Terms designed for clarity and trust.

1. Acceptance of Terms

These Terms of Service form an agreement between you and IS Empreendimentos regarding your use of our website, digital products, applications, subscriptions and related services.

If you do not agree with these terms, you should not use the services.

2. Eligibility

You may use our services only if you are legally capable of entering into a binding agreement under the laws that apply to you.

If you use our services on behalf of a company, organization or other entity, you represent that you have authority to bind that entity to these terms.

3. Our Services

IS Empreendimentos develops and provides digital products, online content, app-based services, subscriptions and related support.

The features, content, format and availability of a particular product or service may vary according to the offer presented at the time of purchase, registration or access.

4. Accounts and Access

Certain services may require registration, account creation or use of credentials provided after a confirmed purchase.

• You are responsible for providing accurate and up-to-date information.
• You are responsible for keeping your login information confidential.
• You must not share, sell, transfer or make your account available to unauthorized third parties.
• You must promptly notify us if you suspect unauthorized access to your account.

Access may be restricted, suspended or terminated if we reasonably believe an account is being used fraudulently, unlawfully or in violation of these terms.

5. Payments and Subscriptions

Prices, billing frequency and payment conditions are displayed before purchase. By submitting an order, you authorize the applicable payment provider to process the amount shown at checkout.

Some products or services may be offered on a recurring subscription basis. When a recurring subscription applies, the applicable billing cycle and renewal conditions will be disclosed during checkout.

Payment processing may be performed by third-party payment providers, and their own terms may also apply to the transaction.

6. Refunds and Cancellations

Refund and cancellation eligibility depends on the specific product, service, offer and applicable consumer law.

Where a refund or cancellation policy is presented during checkout or in connection with a specific offer, that policy forms part of these terms.

To request support regarding a purchase, cancellation or refund, contact contact@isempreendimentosmei.com.

7. Acceptable Use

You agree to use our services only for lawful purposes and in accordance with these terms.

You must not:

• Use the services in violation of applicable law or third-party rights.
• Attempt to gain unauthorized access to accounts, systems, networks or restricted areas.
• Interfere with, disrupt, overload or damage the operation or security of the services.
• Copy, scrape, reproduce, redistribute, resell or commercially exploit protected content except where expressly authorized.
• Reverse engineer, bypass access controls or attempt to extract source code except where permitted by applicable law.
• Use the services to distribute malware, fraudulent content, spam or other harmful material.

8. Intellectual Property

Unless otherwise stated, the website, applications, text, designs, graphics, interfaces, software, branding, videos, course materials and other content made available by IS Empreendimentos are owned by or licensed to us and are protected by applicable intellectual property laws.

Your purchase or subscription grants you a limited, personal, non-exclusive, non-transferable and revocable right to access and use the applicable content for its intended purpose.

No ownership rights are transferred to you unless expressly stated in writing.

9. Third-Party Services

Our services may integrate with or link to third-party providers, including payment processors, hosting providers, communication tools or other technology services.

We are not responsible for the separate terms, privacy practices, availability or conduct of third-party services. Your use of those services may be subject to their own agreements and policies.

10. Service Availability and Changes

We may update, improve, modify, suspend or discontinue features, content or services from time to time.

We work to provide reliable access, but we do not guarantee that every service will be uninterrupted, error-free or available at all times. Maintenance, updates, technical failures, external providers or events outside our reasonable control may temporarily affect availability.

11. Disclaimers

Our services and content are provided for their stated purposes and, to the extent permitted by applicable law, are provided without guarantees beyond those expressly stated or legally required.

Educational or informational content does not guarantee a particular professional, financial, commercial or personal result. Outcomes may vary depending on each user's circumstances, effort, decisions and other factors outside our control.

12. Limitation of Liability

To the maximum extent permitted by applicable law, IS Empreendimentos will not be liable for indirect, incidental, special, consequential or punitive damages arising from or related to use of the services.

Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited under applicable consumer protection or other mandatory law.

13. Indemnification

To the extent permitted by applicable law, you agree to be responsible for losses, claims or expenses resulting from your unlawful use of the services, violation of these terms or infringement of third-party rights.

14. Suspension and Termination

We may suspend or terminate access to a service when reasonably necessary to protect our systems, enforce these terms, respond to fraud or abuse, comply with law or address non-payment where applicable.

Provisions that by their nature should survive termination, including intellectual property, liability limitations and dispute-related provisions, remain effective after termination where applicable.

15. Governing Law

These terms are governed by the laws applicable to the contracting relationship, including mandatory consumer protection rules where they apply.

For customers in Brazil, applicable Brazilian law may govern the relationship, including consumer and civil law provisions where relevant.

16. Changes to These Terms

We may update these Terms of Service from time to time to reflect changes to our services, business practices or legal requirements.

The “Last updated” date at the top of this page indicates when these terms were most recently revised. Continued use of the services after updated terms become effective may constitute acceptance where permitted by applicable law.

17. Contact Us

If you have questions about these Terms of Service, a purchase or your access to our services, contact us using the information below.