Terms and Conditions

Acceptance of Terms

By accessing and using the Kelurantiqom website, you agree to comply with and be bound by these Terms and Conditions. If you do not agree with any part of these terms, you should not use our site.

Description of Services

Kelurantiqom offers educational content and guidance on personal financial organization. Important to note:

• We do not provide regulated financial services
• Our materials are educational and informational
• We do not offer investment advice
• Information does not replace specialized professional advice

User Obligations

By using our site, you agree to:

• Provide true and up-to-date information
• Not use the site for illegal or unauthorized purposes
• Not violate intellectual property rights
• Not transmit viruses or malicious code
• Respect the privacy of other users

Intellectual Property

All site content, including texts, graphics, logos, icons, and software, is the property of Kelurantiqom or its licensors and is protected by Brazilian and international copyright laws.

Disclaimer

The content of this site is provided for informational and educational purposes only. Kelurantiqom does not guarantee the accuracy, completeness, or timeliness of the information. Use of the information is at your own risk.

Limitation of Liability

Under no circumstances shall Kelurantiqom be liable for any direct, indirect, incidental, special, or consequential damages resulting from the use or inability to use the site or services.

Termination

We reserve the right to terminate or suspend your access to the site at any time, without notice, for any reason, including violation of these Terms.

Governing Law

These Terms are governed by the laws of the Federative Republic of Brazil. Any dispute shall be submitted to the exclusive jurisdiction of the courts of São Paulo, SP.

Changes to Terms

We may modify these Terms at any time. Changes take effect immediately upon posting. Continued use of the site after changes constitutes acceptance of the new terms.

Contact

For questions about these Terms and Conditions, contact: legal@kelurantiqom.com