Terms of Service

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1. Acceptance of Terms

By accessing or using any digital application, subscription platform, or service operated by COMERCIAL DISKOL LTDA (CNPJ: 03.353.087/0001-79), trading as Comercial Diskol ("Company", "we", "us", or "our"), you agree to be fully bound by these Terms of Service ("Terms").

If you are using our Services on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms. In that case, "you" refers to both you individually and the organization.

If you do not agree to these Terms, you must immediately discontinue use of our Services.

2. Description of Services

Comercial Diskol provides subscription-based digital applications and platforms delivering educational content, interactive tools, and personalized digital experiences across the following consumer verticals:

• Wellness and healthy lifestyle
• Personal development and self-improvement
• Financial education and empowerment
• Relationships and communication
• Lifestyle and daily habits
• Digital education and skills

Our Services are delivered entirely online through subscription-based access. We reserve the right to modify, suspend, or discontinue any aspect of our Services at any time with reasonable notice.

3. Eligibility

You must be at least 18 years of age to subscribe to and use our platforms. By creating an account, you represent and warrant that:

• You are at least 18 years old.
• You have the legal capacity to enter into a binding agreement.
• Your use of the Services does not violate any applicable law or regulation in your jurisdiction.

Use of our Services by individuals under the age of 18 is strictly prohibited. If we become aware that a user is under 18, we will immediately terminate their account and delete associated data.

4. Account Registration and Security

To access our platforms, you must create an account and provide accurate, current, and complete information during the registration process. You agree to:

• Keep your account credentials confidential and not share them with any third party.
• Notify us immediately at comercialdiskol@gmail.com if you suspect unauthorized access to your account.
• Be solely responsible for all activities that occur under your account.
• Maintain and promptly update your account information to keep it accurate and complete.

We reserve the right to suspend or terminate accounts that we believe have been compromised or used in violation of these Terms.

5. Subscription and Billing

Our Services are offered on a subscription basis with recurring billing at the frequency specified at checkout (monthly, quarterly, or annual). By subscribing, you:

• Authorize us to charge your designated payment method on a recurring basis until you cancel.
• Acknowledge that subscription fees are charged in advance for each billing period.
• Agree that failure to pay may result in suspension or termination of your access.

We reserve the right to modify subscription pricing at any time. We will provide at least 30 days' advance notice of any price changes. Continued use of the Services after a price change takes effect constitutes acceptance of the new pricing.

All payments are processed securely by our third-party payment processors. We do not store your full payment card details.

6. Acceptable Use

You agree to use our Services only for lawful purposes and in compliance with these Terms. You must not:

• Share, resell, sublicense, or otherwise distribute access to our subscription content or platforms to any third party.
• Reproduce, copy, screen-capture, or create derivative works from our content without prior written permission.
• Use our platforms for any unlawful, fraudulent, or harmful purpose.
• Attempt to circumvent security measures, access unauthorized areas of our systems, or reverse-engineer our software or platforms.
• Upload, transmit, or distribute any content that is harmful, offensive, defamatory, or that infringes the rights of others.
• Use automated tools, bots, or scrapers to access, collect, or index any content from our platforms without our express written consent.
• Interfere with or disrupt the integrity or performance of our Services or related systems.

Violation of these terms may result in immediate account suspension or termination without refund.

7. Intellectual Property

All content, software, design elements, trademarks, service marks, logos, and technology on our platforms are the exclusive property of COMERCIAL DISKOL LTDA or our licensors and are protected by applicable intellectual property laws.

Your subscription grants you a limited, personal, non-exclusive, non-transferable, revocable license to access and use our content solely for your own personal, non-commercial purposes during your active subscription period. This license does not grant you any right to:

• Download, copy, or cache content for redistribution.
• Modify, adapt, or create derivative works based on our content.
• Use our trademarks, logos, or branding without our express written consent.

8. Cancellation

You may cancel your subscription at any time through your account settings or by contacting us at comercialdiskol@gmail.com. Upon cancellation:

• Your access to the platform will remain active until the end of the current paid billing period.
• No partial refunds will be issued for unused time within a billing cycle, except as required by applicable law or our Refund Policy.
• Your account data will be retained for a reasonable period before permanent deletion, as described in our Privacy Policy.

Please refer to our Refund Policy for full details on refund eligibility.

9. Limitation of Liability

To the fullest extent permitted by applicable law, COMERCIAL DISKOL LTDA, its directors, employees, partners, agents, suppliers, or affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of our Services, including but not limited to loss of data, loss of revenue or profits, loss of business opportunity, or interruption of business.

Our total liability to you for any claim arising out of or related to these Terms or our Services shall not exceed the total amount paid by you for our Services in the 12-month period immediately preceding the event giving rise to the claim.

Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, or for fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited by law.

10. Disclaimers

Our Services are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We do not warrant that our Services will be uninterrupted, error-free, or free from harmful components. The content on our platforms is for informational and educational purposes only and should not be considered professional advice in any field, including medical, legal, financial, or psychological advice.

11. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting an updated version of these Terms on this page with a revised effective date and, where appropriate, by email notification. Continued use of our Services after changes are posted constitutes your acceptance of the modified Terms.

12. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the Federative Republic of Brazil, including the Brazilian Consumer Protection Code (Código de Defesa do Consumidor — Law 8,078/1990) and the Brazilian Civil Code (Law 10,406/2002).

Any disputes arising from or related to these Terms or our Services shall be subject to the exclusive jurisdiction of the courts of Belo Horizonte, Minas Gerais, Brazil, unless otherwise required by applicable law.

13. Contact

For questions or concerns regarding these Terms, please contact us: