Acceptance of Terms
By accessing or using this website, you agree to these Terms and to any additional notices posted on the site. If you do not agree, you should not use the website or rely on its content.
Terms
Document overview
Acceptance of Terms
By accessing or using this website, you agree to these Terms and to any additional notices posted on the site. If you do not agree, you should not use the website or rely on its content.
Clause ledger
Full terms pageScope of Services
The website provides general information about insurance selection services for retirees. Any guidance is informational only and does not create an obligation to approve, arrange, or place any insurance coverage.
Referenced materials
Core Terms
Fees and Charges
Any fees, charges, or commercial terms that may apply will be communicated separately where relevant. We may decline or suspend any request that cannot be processed under our internal criteria or applicable law.
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Fees and Charges
HCCHAny fees, charges, or commercial terms that may apply will be communicated separately where relevant. We may decline or suspend any request that cannot be processed under our internal criteria or applicable law.
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User Responsibilities
UN DeclarationYou agree to provide accurate and complete information when interacting with the website or requesting assistance. We may rely on the information provided and are not responsible for errors arising from incomplete or incorrect details.
All website content, including text, layout, graphics, and other materials, is owned by us or used with permission and is protected by applicable intellectual property laws. You may not copy, modify, distribute, or reuse such materials without prior written consent, except as allowed by law.
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Intellectual Property
All website content, including text, layout, graphics, and other materials, is owned by us or used with permission and is protected by applicable intellectual property laws. You may not copy, modify, distribute, or reuse such materials without prior written consent, except as allowed by law.
Reference
Consumer Rights BR
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Disclaimer of Warranties
The website is provided on an 'as is' and 'as available' basis. To the fullest extent permitted by law, we disclaim warranties of accuracy, completeness, availability, and fitness for a particular purpose, and we are not liable for indirect or consequential losses.
Reference
WIPO
Legal Summary
Governing Law
These Terms are governed by the laws applicable in Brazil, without regard to conflict of law rules. Any dispute arising from the website or these Terms should be addressed through the contact process made available on the site, subject to any mandatory legal rights or procedures.
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Governing Law
These Terms are governed by the laws applicable in Brazil, without regard to conflict of law rules. Any dispute arising from the website or these Terms should be addressed through the contact process made available on the site, subject to any mandatory legal rights or procedures.
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Changes to Terms
We may update these Terms from time to time by posting a revised version on this website. Continued use of the website after an update means you accept the revised Terms, and you should review this page periodically.