Terms and Conditions

Acceptance of Terms

By accessing and using the vornetilam.com 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 website.

Description of Services

Vornetilam offers educational content about personal finance. We are not a financial institution and do not provide financial, investment or personalized financial advisory services. All content is for informational and educational purposes only.

Disclaimer

The content available on our website does not constitute financial, investment, legal or professional advice. The information is provided 'as is' without warranties of any kind. You should consult qualified professionals before making financial decisions.

Intellectual Property

All website content, including texts, graphics, logos, icons and images, is the property of Vornetilam or its licensors and is protected by copyright laws.

Permitted Use

You may use our website only for personal and non-commercial purposes. It is prohibited to:

• Reproduce or distribute content without authorization
• Use the website for illegal or unauthorized purposes
• Attempt to gain unauthorized access to our systems
• Transmit viruses or malicious code

Limitation of Liability

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

Governing Law

These Terms and Conditions 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, Brazil.

Changes to Terms

We reserve the right to modify these terms at any time. Changes will take effect immediately upon posting on the website. Continued use of the site after such changes constitutes your acceptance of the new terms.

Contact

For questions about these Terms and Conditions, contact us at: legal@vornetilam.com