Terms of Use

Garcia e Tavares Negócios Digitais Ltda., CNPJ 68.149.492/0001-15, established at R. Arcelina Souza Brand, 788 — Vila Antônio David, Anitápolis — SC, 88475-000, Brazil. Contact: contact@garciaetavaresltda.com · +55 55991663043.

We develop and sell exclusively digital products: SaaS platforms, web applications, educational programs, digital guides, interactive tools, video and audio content, digital assistants and members areas. Products are delivered online and accessed through compatible devices, according to the characteristics described for each service.

You need a compatible device, an updated browser and a stable internet connection. Access is personal and non-transferable; account credentials must not be shared. You are responsible for the accuracy of the registration data you provide.

All content, software, brands, layouts and materials are owned by Garcia e Tavares Negócios Digitais Ltda. or licensed to it. Purchasing a product grants a limited, personal, non-exclusive and revocable licence to use it. Copying, redistributing, reselling, publicly displaying or creating derivative works without written authorisation is prohibited.

• Permitted: personal use of the content and tools included in your plan, on your own devices.
• Prohibited: sharing credentials, mass downloading, reverse engineering, scraping, circumventing technical protections, or using our products for unlawful, abusive or misleading activities.
• We may suspend or terminate accounts that breach these rules, without refund of amounts related to the violation period.

Products may be sold as a one-time payment or as a recurring subscription, as indicated at checkout. Prices, billing periodicity, currency and cancellation conditions are shown clearly before the purchase is completed. Subscriptions renew automatically for equal periods until cancelled. Cancellation stops future charges and access remains available until the end of the paid period.

Refund conditions are described in our Refund Policy, which forms part of these terms and matches what is presented at checkout.

Our wellbeing, habits, relationships and personal development materials are informative and educational. They do not constitute medical, psychological, nutritional or therapeutic advice and do not replace diagnosis, treatment or follow-up by qualified professionals.

Our prosperity and financial education materials cover general concepts of organisation, habits and planning. They do not constitute financial or investment advice, recommendation of any product, or a promise of financial results. Decisions are your sole responsibility.

We continuously improve our products and may update, add or discontinue features. We aim for uninterrupted availability but do not guarantee that the service will be free of interruptions, maintenance windows or errors.

To the extent permitted by applicable law, our liability is limited to the amount paid by you for the product in the twelve months preceding the event. We are not liable for indirect damages, loss of profits or results expected from the use of educational content. Nothing here limits rights granted to consumers by mandatory law.

These terms are governed by Brazilian law, with the courts of the company's domicile elected, without prejudice to the consumer's right to file suit at their own domicile. Questions: contact@garciaetavaresltda.com.