TERMOS DE USO E PRIVACIDADE

TERMS OF USE – COPYBELL APP

GENERAL CONDITIONS AGREEMENT FOR PROVISION OF SERVICES
This agreement is entered into between, to COPYBELL LTDA, registered with EIN under No. 99-4669954, headquartered at 429 Lock Rd, 35, Deerfield Beach, FL 33442-1837, USA and the “USER” denomination given to the natural person who is contracting the products and/or services we offer through the application COPYBELL: community and payments (“Application”).

1 – Acceptance.
Considering that this Agreement, its rules and conditions were accepted by the USER when creating their account on COPYBELL: community and payments, it will also be considered that the USER allows the application to have access to their information such as personal data and phone book and that they will be reaffirming their acceptance and permissions each time they make a transaction, even if changes occur according to the clause below. So, if you do not agree with this Agreement, do not create your Account, do not become a USER.

2 – Changes.
We may change this Agreement, our rules and conditions, the content or the service of COPYBELL: community and payments (including for new versions) at any time, without prior notice. The updates will be available in the store, our website and Application, with the USER being entirely responsible for checking them. If any questions arise, contact us through the service channels available in the App. The USER who does not accept the changes to this Agreement must close their Account.

3 – Blocks and closure.
3.1 – We may suspend, block, interrupt, totally or partially, in case of conduct with registration irregularities, signs of fraud or violation of this Agreement and/or any other product that the USER has with COPYBELL: community and payments, or even permanently terminate the provision of products and services for them at any time and without the need to present our reasons, ceasing to grant or denying access to the Application. The user may also close their COPYBELL Account with us by accessing the “Settings” menu of the Application or through the service channels.
3.2 – COPYBELL: community and payments may, at any time and to continue ensuring the security of the Application, provide new versions of it, with it being the duty of the USER to ensure they keep the App updated. COPYBELL: community and payments may cease to grant access to the USER who is not using the latest version provided.

4 – Account.
To use the payment services of this Agreement, you must complete the initial registration to create an account in the Application (“Account”), providing your registration data, which will be subject to our analysis and approval. If your registration is not approved, it will not be possible to create the Account or become a USER.

4.1 – Wallet.
Creating your Account grants you the right to hold a prepaid payment account (“Wallet”), created and managed by COPYBELL: community and payments. You can add, transfer, or receive amounts in your Wallet, which will form your electronic money balance, which you can use to make withdrawals, transfers, payments and purchases of products available on the platform.
The term for deposits and withdrawals of amounts derived from some of the modalities in the Wallet of the Holder of the COPYBELL Application: community and payments, will be carried out in the forms below:

Deposits of values in the wallet
TYPE OF TRANSACTION	TIME
Lottery and electronic deposit	within 30 (thirty) minutes
TED	within 1 (one) hour
PIX	instant or within 30 (thirty) minutes
DOC	within 24 (twenty-four) hours
Boleto	within 2 (two) days
Credit Card	within 30 (thirty) minutes

Withdrawals of values from the wallet
TYPE OF TRANSACTION	TIME
TED	within 1 (one) hour
PIX	instant or within 30 (thirty) minutes
DOC	within 24 (twenty-four) hours

4.2 – Limitation.
Your Wallet cannot exceed the balance of $5,000.00 (five thousand reais). You also cannot receive or deposit amounts greater than this per month. To exceed these limits, we will need to perform a registration validation of your identity, in compliance with regulatory requirements and as a security measure for fraud prevention, the USER must provide the following additional data:
a – Your mother's full name;
b – Address;
c – Income range;
d – Photo ID; and
e – Photo (selfie)
4.2.1 – In addition to these mentioned documents above, in exceptional cases, we may request additional documents to finalize your registration.
4.2.2 – While your identity is not validated, your Wallet cannot exceed the mentioned limits above. This means that the USER will not receive commission credits (cashback), deposits (balance top-up), payments from other users, income or any other credits, if they have already reached the limit of $5,000.00 (five thousand reais) mentioned above. However, the USER may still normally use the balance in electronic money that is in their Wallet.
4.2.3 – During the validation of your data, if inconsistencies are found in the information that the USER provided, COPYBELL: community and payments may suspend, block, interrupt, totally or partially, or even close your Account.
4.2.4 – If you wish to withdraw funds from your Wallet to third-party accounts, the USER must register the SSN of the account holder along with the destination bank account data. It is worth remembering that, from this point on, the USER assumes full responsibility for filling in the data and authorizes the amounts to be transferred to the registered account. At this stage, the USER will also use as confirmation: entering a password, their fingerprint or facial recognition.
4.3 – In case of a request for a Refund/chargeback, a period of 7 business days will be necessary for the possibility of the refund being processed by COPYBELL APP to be analyzed; However, in case of a positive confirmation of the refund request, the amount will be refunded within 7 business days after the analysis period.

5 – Cards.
You can register a credit card, issued in physical (plastic) or virtual form (“Card”), in your Account. The use of the Card will be always to make deposits of electronic money into your Wallet for making payments.

6 – Deposits.
Deposits into the Wallet depend on valid registrations and authorization from the issuer of your Card (“Issuer”), according to the rules of the card schemes. The term established by the card schemes for the delivery of the amounts to COPYBELL:community and payments for credit in your Wallet can be up to 32 (thirty-two days) from the date of the transaction or installment, according to the rules of your Card's scheme. However, in the Application, deposits into the Wallet occur immediately after the Issuer's authorization, unless the transaction is selected for security analysis and fraud prevention, in which case the Wallet will only receive the amounts after a positive result of the analysis performed. If the transaction is denied by the Issuer, COPYBELL: community and payments will not receive the respective amounts for the deposit in your Wallet, and the payment will not be completed. In this case, you should contact the Issuer of your Card.

7 – Assignment
The amounts will be deposited immediately into your Wallet. This can be done, including, at COPYBELL: community and payments by making the cash sale, in your name, of the right that the USER has to receive these amounts within the card scheme's term, as we explained above, to financial institutions or credit rights investment funds. Once the sale of this right has occurred and the corresponding amount has been credited to your Wallet, the USER cannot withdraw or cancel this sale. The conditions applicable to these transactions will be informed to you before the effective transaction.

8 – Cost
To use Cards in the Application for the purposes of depositing into your Wallet, as described above, COPYBELL: community and payments may charge a fee for the provision of services, which will also remunerate other institutions, such as the issuers of the Cards, the acquirers and the card schemes. Additionally, in some cases, it may be necessary to add to the transaction cost the discount amount that Third Parties will charge to anticipate the receipt of your deposit in the Wallet before the deadline provided for in the rules of the card scheme of your Card. Before completing the transaction, the USER must check all applicable costs and conditions, which will be informed prior to the acceptance of the transaction.

9 – Mandate
To enable the assignment provided for in item 5.2., the USER grants us powers to negotiate and formalize, in your name and without limitation, the terms, fees and discounts related to the assignment of credit rights when necessary, as described above. The assignment will be carried out according to the contracts. This authorization will not allow COPYBELL: community and payments to take out loans and/or financing in your name.

10 – Use
To use the Application, the USER must:
a – make sure you are in official stores (Apple Store and Google Play) for download and installation, as COPYBELL: community and payments is not responsible for damages caused by a pirated application;
b – only use the Application's services in your name, because the Account is yours and no one else's;
c – do not share your password and do not let anyone access the Application with your name and your data. The user will be held responsible for any act resulting from the improper use of their data, especially when they share the Application, password or their cell phone with someone, or when they have lost the device where the Application is installed without communicating immediately to COPYBELL APP. We will not be responsible for any emergent, moral or material damage resulting from the improper use of the Application or your access data (e-mail, password, etc.);
d – check the price, conditions and all expenses involved when acquiring goods or services from a third party (freight, administrative fees, etc.); and
e – offer only products and services that the USER can guarantee the delivery and fulfillment of the conditions agreed upon with their client, if they are a liberal professional or self-employed.

11 – How the Application works:
After downloading and installing the Application, we need to get to know you, so you must fill out the registration, which will be subject to analysis and approval, to start making your payments and withdrawing accumulated values in your Wallet, all possible transactions through the Application depend on internet access, which the USER must provide and bear any costs;
a – Payments through COPYBELL: community and payments will only be made using the existing balance in your Wallet. The USER will always confirm the payments by entering a password or their fingerprint;
b – The payments made will be analyzed to protect you against possible fraud, with our own tools for risk analysis. You can also cancel the transaction, if it is deemed necessary;
c – When the transaction is completed, a message will be sent to your e-mail. If you don't check your e-mail every day, no problem, COPYBELL: community and payments itself registers all your transactions;
d – You can make one withdrawal at a time, which will be effective within two business days. As with any transaction, withdrawals will be analyzed by COPYBELL: community and payments;
e – Every time a payment is canceled, with a pending withdrawal, the system will cancel the withdrawal and then the USER will need to request it again;
f – Be careful when making your transactions. COPYBELL: community and payments will not be responsible for errors, regardless of the reason. Cancellations and refunds requested will be evaluated, but it is always better to avoid the headache; and
g – The USER must report immediately any error or misuse of the Application through our Help Center. This information is essential for us to keep the APP safe.

12 – Prohibited Conduct
There are actions that the USER is prohibited from doing, because they violate our purpose and values and may lead to the cancellation of your account, including:
a – disrespect the laws, especially those of copyright or industrial property; that is, do not sell pirated products;
b – adopt any type of discriminatory conduct and/or that stimulate or characterize and/or are related to, among other things, hatred, intolerance, physical or moral violence, racism and apology for crime, content related to pornography, erotic or inappropriate for minors, or associate the name or brand COPYBELL with such conduct, directly or indirectly;
c – use illegal labor, such as work analogous to slavery or child labor, either directly or indirectly;
d – employ a minor under 18 (eighteen) years of age, including a minor apprentice, in places detrimental to their training, to their development, as well as in dangerous or unhealthy places and services, at times that do not allow them to attend school and, also, at night;
e – adopt practices related to activities that involve the criminal proceeds of prostitution or sexual exploitation;
f – make negative and limiting discrimination regarding access to employment or its maintenance, such as, for example, those motivated by: sex, origin, race, color, physical condition, religion, marital status, age, family situation or pregnancy;
g – adopt practices harmful to the environment;
h – send unsolicited advertising material to your potential buyers or customers;
i – transmit programs and files with any type of virus, which may cause damage to the recipient or to third parties, or violate their privacy;
j – attempt to obtain access or obtain access to any privileged information without authorization;
k – interrupt or harm the service of the Application, the servers or networks connected to it;
l – interfere with the use of the Application by another user;
m – practice any act that overloads the Application; harm no one and do not harm yourself; make use or carry out inappropriate activities on the platform, such as excesses, harassment, abuse or misconduct of any kind;
n – link, without authorization, the image and/or brand of COPYBELL APP to political or party movements, unions, religious or that are related to one of the activities or conduct described in this item 8; and
o – copy, reproduce, modify, create derivations, distribute or publicly disclose any content of the site, or, application, unless you have our express authorization.

13 – Prohibited goods and services
Some products and services cannot be bought or sold using the application, although some are not illegal. This list also can be changed at any time:
a – shares and other securities traded on the stock exchange, both national and international, as well as any other banking and financial product or service, securities and securities or investment raising;
b – antennas, decoder systems or any devices intended to decode signals from cable, antenna or satellite television transmission;
c – databases and mailing lists that contain personal data and sufficient information to individualize a person;
d – lottery tickets, raffles, horse or other animal races, betting or any other game of chance without due authorization;
e – diplomas, certificates or academic works;
f – offers of credit or debit cards, active or not, and related services;
g – compilations that offer programs extracted from a certain source on the same support;
h – factoring or dropshipping;
i – medicines for exclusive sale, by medical prescription or not, utensils intended for the production, handling or consumption of medicines, including any hospital equipment, as well as any anabolic or steroid substances;
j – coins and banknotes, national or foreign, as well as any instrument with pecuniary value, counterfeit or imitation;
k – narcotics, toxic substances, hallucinogenic substances, as well as material for their use or any other related material, in addition to pesticides and insecticides for controlled sale;
l – objects intended for opening locks, or that may cause any type of break-in;
m – products that depend on prior homologation or registration by government bodies and that are not homologated, registered or that the USER does not have authorization to sell, such as, but not limited to firearms; controlled drugs/medicines; anabolic steroids;
n – products capable of altering, duplicating, modifying or replacing the procedure, or operation of cell phone equipment;
o – academic software sold under special conditions for students and educational institutions;
p – motor vehicles that have documentary restrictions, or any encumbrances;
q – products or services that offer a risk to consumer safety;
r – products or services related to pyramid schemes, "get rich quick" or "make money easy" schemes and other multi-level marketing, multi-level marketing or network marketing programs; and
s – Any activity considered illegal.

14 – Social Network
The Application is also a social payment network, as through it the USER can see and interact with the activities (payments and receipts) and with the profile of other Users, being in a community, respecting the privacy settings of each one. That is, if the USER wants to, of course. Be sure to adjust your privacy preferences in the “Settings” section of the Application.

15 – COPYBELL APP Transfer
15.1 – The “PIXBELL Transfer: community and payments” allows the USER to send money to people who are not registered in the Application”. But, attention, the USER is solely responsible for entering the payment data and sending the link to the recipient. Be aware that anyone who receives the link can withdraw the money from your payment. Therefore, arrange all the details of the transaction in advance, be careful when using the link and only do so when you are safe and sure of who can receive the transaction.
15.2 – We may establish some limits for the USER to use the COPYBELL:community and payments Transfer, as a way to guarantee your security.
15.3 – If within two days the money that the USER sends is not withdrawn, we will return the amount as a balance in your Wallet.

16 – Data.
16.1 – You are responsible for the veracity of your personal data, the data of the Card you register in the Application and the bank account you provide. If we ask, the USER must prove that they are the owner of the Card.
16.2 – The shared and processable data of the users registered in the application will be stored by the COPYBELL: community and payments application for a period of 10 years after the deactivation of the user's account in the application.
16.3 – Additional information: For more information about the personal data collected, the purposes of processing, sharing of personal data and about your rights in relation to your personal data (e.g., correction, access to data and information about processing, elimination, blocking, deletion, opposition, etc.), access our Privacy Policy in the Application and on our website.
16.4 – We are a digital payment platform that complies with the legislation regulated by the Central Bank of Brazil, the General Data Protection Law 13.709/2018 and the applicable legislation. For this reason, we comply with regulatory obligations for the USER to use COPYBELL: community and payments, such as: registration validations, fraud prevention, money laundering and terrorist financing, among others. To comply with these and other tasks while at the same time working on the continuous improvement of your experience, we need to collect and use your data (such as name, SSN, address, selfie and documents with photos).
16.5 – The use of your data may serve various purposes related to the performance of our activities and, as mentioned before, to improve your experience, such as:
a – preliminary procedures or execution of your contracts with us;
b – disclosure, offer, provision of services and supply of products;
c – evaluation of the most suitable products and services for your profile;
d – compliance with legal, regulatory obligations and requests from administrative and judicial authorities;
e – for the regular exercise of rights in administrative, judicial and arbitration proceedings;
f – analysis, management and treatment of potential risks, including credit, fraud and security risks;
g – Verification of your identity and personal data (including biometrics), for authentication, security and/or fraud prevention purposes, carried out in our own or third-party electronic systems;
h – evaluation, maintenance and improvement of our products and services;
i – sending communication to the USER;
j – hypotheses of legitimate interest, such as development and offers of products and services.
16.6 – To meet the purposes provided for in this Agreement and in our Privacy Policy, we may share your personal data, adopting all necessary technical and organizational measures, in accordance with applicable legislation, with:
a – Companies of our economic group;
b – partner service providers, located in Brazil or abroad.
c – regulatory bodies and public entities, including administrative and judicial; and
d – Strategic partners to enable the offer of products and services.
16.7 – For more information about the personal data collected, the purposes of processing, sharing of personal data and about your rights in relation to your personal data (e.g., correction, access to data and information about processing, elimination, blocking, deletion, opposition, etc.), access our Privacy Policy in the Application and on our website.

17 – Intermediation.
17.1 – The Application is a payment platform. We only intermediate your payments – we deliver the money from one user's hands to another's, at your request. Therefore, we are not responsible for any disagreement in the relationships between the USER and the people with whom you interact.
17.2 – We hope not, but if you need to sue the Issuer of your Card, some recipient or associated third party, the USER will immediately exempt us from any responsibility, as we are mere intermediaries.

18 – Marketplace
18.1 – You can purchase products offered by commercial establishments that are partners with COPYBELL: community and payments (“Partners”) through the sales platform of the COPYBELL:community and payments application (“Marketplace COPYBELL APP”).
18.2 – Before purchasing a product or service via the Marketplace COPYBELL:community and payments, we suggest that you check the rules and conditions, terms of use and privacy policies established exclusively by the Partners and published on their websites and/or applications.
18.3 – One or more offers may be excluded or suspended from the Marketplace COPYBELL: community and payments at any time, for technical reasons or any other reason, without prior notice.
18.4 – The descriptions of the products and services of the Partners displayed on the Marketplace COPYBELL are provided by the Partners themselves or their respective suppliers and/or manufacturers. For this reason, the USER must be aware that the information given about each product and/or service, as well as photographs, images or videos related to them, including trade names, trademarks, distinctive symbols of any class contained in the Application, are displayed for guidance and illustrative purposes.
18.5 – We are not responsible for any damages, of any kind, that may arise from your decisions as a User of the Marketplace based on the opinions, recommendations contained in content displayed and proposed by our Partners, including about the procedures of the Technical Assistance indicated by our Partners, if the USER chooses to exercise this alternative for the purchased Product.
18.6 – In case of questions or complaints regarding your purchases on the Marketplace COPYBELL APP, you can contact us through our customer service channel.

19 – Responsibility
Your relationship with us needs to be one of trust. So, we have the following duties and responsibilities:
a – We provide the service with the utmost diligence and technique, according to parameters adopted by similar services, but we are not responsible for any damage eventually caused by failure or interruption of services.
b – We archive your data in a virtual environment with a security certificate and encrypted using public keys. We will record and archive all your operations and transactions in accordance with applicable legislation, and we may use them as evidence before administrative, judicial and/or arbitration authorities, if necessary.
c – We cannot guarantee that the Application service will not have failures, be uninterruptedly usable and immune to corruption, attacks, viruses, interference, computer piracy (hacking) or any security attacks, which will be considered force majeure events, for all purposes.
d – We may suspend or terminate any of our products and services provided through the Application, temporarily or permanently, partially or totally, for technical reasons or any other reason, without prior information.

20 – License
We will grant the USER a personal, non-exclusive and limited use license of the Application, solely to access and use, in a strictly personal capacity. You cannot sell or resell the Application or its content. The nature of the license and its limits will remain the same in any new versions of the Application.

21 – Assignment
21.1 – We may assign the rights and obligations arising from this Agreement to third parties, whether from the same economic group or not.
21.2 – Because your Account is personal and non-transferable, your rights under this contract may not be assigned or transferred, in whole or in part, directly or indirectly, without our prior written consent, under penalty of immediate termination of this Agreement and the impossibility of using the Application.
22 – Intellectual Property
The Application, its parts, systems and accessories, belong to COPYBELL:community and payments. All intellectual property rights related to the Application are owned or licensed by us and are protected by Brazilian law. Our users, like you, agree that they are not authorized to copy, modify, transfer or exploit the Application, to try to copy or imitate it.

23 – Term.
We want our relationship to be continuous, so this Agreement has an indefinite term. But we may terminate it without prior notice or indemnity.

24 – Communication.
The USER can talk to us through the e-mail address, through the customer service channel or phone number that is inside our Application. Feel free, always.

25 – Amicable solution.
We are committed to amicably resolving the problems that may eventually arise in relation to this Agreement. Get in touch, we are and will be your partners.

26 – Confirmation.
Since you have read this far, the USER confirms and declares, for all legal purposes, that they have become aware of the entire content of this Agreement, fully understood its clauses and conditions, and agree with everything through the creation and access to your Account in the Application.

27 – Third-party content.
The Application may have links to third-party sites and applications. By accessing these links, you will be in an environment that has other applicable contracts, terms of use and privacy policies, which are not our responsibility. The existence of these links does not mean any relationship of endorsement, sponsorship or responsibility between us and these third parties.

28 – Fees and Tariffs
Transactions carried out through COPYBELL APP will be carried out free of charge, however, purchases made by credit card in the Application and withdrawals made in the modalities of item 4.2 of this term, will be charged according to annex I. The fees and tariffs may be changed at any time by LTDA.

29 – Mobile Top-Up
Through COPYBELL: community and payments the user can perform mobile top-up for the operators registered in the Application; in this way, in the transitions of acquiring top-up in this modality, the following tariffs will be withdrawn, which may be changed at any time:
i – 2.99% in cash;
ii – 4.99% with payment made by credit card.
24.2 – The receipt period, after the purchase payment of the top-up, is from 24 hours on business days, for the analysis of the payment and the top-up to be carried out.

30 – Recurring Cashback
30.1 – Recurring cashback is a modality offered by COPYBELL: community and payments, being carried out for each payment made within the COPYBELL: community and payments application. You can reverse the value of a cashback in the following cases: (a) if the USER wishes to cancel the payment that generated cashback and provided that the USER has an available balance in the COPYBELL: community and payments wallet, so that we can make the debit of the received amount; or (b) if the cashback amount is the result of illegitimate or undue transactions; that is, that do not have a real purpose or payment purpose. Examples of illegitimate transactions, not eligible for the purpose, are:
a – transactions between related parties or accounts (autoreward);
b – reciprocal transactions; and
c – transactions between accounts whose holder is not in fact the one stated in the registration.
30.2 – Credits received unduly can be reversed from your Wallet at any time, without prior notice, and/or we can also send a bill to the USER.
30.3 – The purchase within COPYBELL APP for PRO user is 0.50%, and the value of the fees may be changed at any time by COPYBELL: community and payments.
30.4 – the PRO user receives cashback from the first and second community.
30.5 – The subscription value for COPYBELL PRO is $19.90 (nineteen reais and ninety cents), and may be subject to changes at any time by COPYBELL LTDA.
30.6 – The receipt of cashback in the digital wallet has a limit of $50,000.00 (Fifty Thousand Reais);
30.7 – after receiving $50,000.00 (Fifty Thousand Reais) as cashback, the user with the wallet with the limit value of cashback reached, will indicate 5 (five) registered users to be receiving up to the same limit, the values referring to the cashbacks that the holder of the wallet that reached the limit would receive if there were no limit.
30.8 – After the holder of the digital wallet and their indicated users reach the limit value of receiving cashback, all cashback received after the limits of item 30.5 AND 30.6, will be destined for the COPYBELL LTDA fund

COPYBELL 57.547.071.0001-26

TERMS OF COMMITMENT – COPYBELL BUSINESS

AGREEMENT ON GENERAL CONDITIONS FOR THE PROVISION OF SERVICES
The following rules and conditions will be considered accepted by you, Establishment, from the creation of the account (exclusive and non-transferable) and each time you use the COPYBELL Business Application. Thus, before using the COPYBELL Business Application, read carefully the rules provided for in this instrument. If you do not agree with these terms, you are not authorized to use the services of the COPYBELL Business mode Application.

1 – Definitions
For a full understanding of the rules and conditions, the definitions of the terms used herein are given below:
1.2 – COPYBELL Business: software owned by the company COPYBELL LTDA, intended for use by Establishments, to allow the receipt of Transactions from Users (initiated with the Application), and for the management and control of the amounts received. It works on mobile devices (smartphones and tablets), with its own screens and functionalities for the completion of receipts.
1.3 – Account: To use the payment services of this Agreement, an initial registration must be carried out to create an account in the Application (“Account”), providing your registration data, which will be subject to our analysis and approval. If your registration is not approved, it will not be possible to create the Account or become a user of the COPYBELL Application
1.4 – Wallet: The creation of your Account grants the right for You to be the holder of a prepaid payment account (“Wallet”), created and managed by the COPYBELL Business application. You may receive amounts in your Wallet, which will form your electronic money balance, which you can use to make withdrawals, transfers, payments and purchases of products available on the platform.
1.5 – The Term for withdrawals/withdrawals of amounts derived from some of the modalities of item 1.3 in the wallet of the Holder of the COPYBELL BUSINESS Application, will be carried out in the forms below:

Withdrawals of funds from the wallet
TYPE OF TRANSACTION	TIME
TED	within 1 (one) hour
PIX	instantaneous or within 30 (thirty) minutes
DOC	within 24 (twenty-four) hours

1.6 – Establishment: legal entity with a physical or virtual commercial establishment, that (1) downloads, (2) registers (EIN, company name, responsible person's information and contact telephone), (3) registers its personal Passwords (non-transferable and exclusive) and (4) uses the COPYBELL Business Application to receive Transactions from Users.
1.7 – User: natural person who uses the Application to make payments to the Establishment in reason for the purchase of products/services, under his exclusive responsibility.
1.8 – Transaction: payment via smartphone and tablets, from the use of the Application, through the use of the available payment methods.
1.9 – Transaction Intermediation: service provided by COPYBELL as a provider of payment services, with the Establishment being responsible for pricing, delivery time, shipping method, quality, exchange of merchandise, cancellation of the purchase and any other type of relationship that has not been previously mentioned, in relation to the User.
1.10 – Terms: this agreement between the Establishment and COPYBELL, with rules for using the COPYBELL Business Application;
1.11 – COPYBELL: the COPYBELL (EIN No. 99-4669954), holder of all rights to the COPYBELL APP Application and the COPYBELL Business Application, acting as a provider of payment services via smartphones and tablets on the platforms (Apple Store and Google Play);
1.12 – Password: personal, exclusive and non-transferable password, biometric or composed of a numerical sequence chosen by the Establishment, at the time of its registration, the presentation of which is necessary for the identification of the responsible for the actions carried out through the COPYBELL Business Application;
1.13 Chargeback/Chargeback: procedure for contesting a Transaction by the User, due to fraud, commercial disagreement, error in processing or authorization of the Transaction; However, the deadline for analyzing the transaction is 7 business days and the deadline for returning the amount in case of effective consummation of an error is 7 business days.

2 – Preliminary conditions
2.1 – The COPYBELL Business Application has the purpose of intermediating online Transactions, for the fulfillment of the sales of products and services made available by the Establishment.
2.2 – In addition to these Terms, the conditions and rules of the Payment Services Provision Agreement of the COPYBELL Business Application, available at https://copybell.com.br/termos-de-uso-copybell-empresas/.
2.3 apply to the Establishment. – These Terms may be changed at any time, without prior notice, with the Establishment being responsible for checking for updates in future versions. The versions come into force at the time of the update of the COPYBELL Business Application, and its use represents consent to the new conditions.
2.4 – COPYBELL LTDA may stop providing the services at any time, without the need for justification, with the obligations regarding the balance in the wallet or outstanding receivables of the Establishment always being respected. In case of violation of these Terms, the balance in the wallet or outstanding receivables may be blocked to compensate for damages and losses.
2.5 – COPYBELL LTDA is a provider of payment services, with its activity being to intermediate Transactions between Users and Establishments. Therefore, COPYBELL LTDA is not responsible for any disagreement in commercial relations and information, even if carried out through the COPYBELL APP Application or COPYBELL Business Application.
2.6 – The COPYBELL Business Application will not have access to create a community or to any service offered by COPYBELL. It will only have access to the pix tool so that you can transfer your funds to another account.

3 – General conditions for the use of the services
Only legal entities may use the services of the COPYBELL Business Application, by registering a representative with powers to enter into contracts and carry out operations on behalf of the company.
3.2 – The Establishment must take all necessary measures so that the Password is not used by another person. The use of a third party's login and/or password is prohibited, as is a third party using the login and/or password of another person. Machine addresses or the IP (Internet Protocol) of a network or e-mail may not be changed in an attempt to hold third parties responsible or hide identity or authorship.
3.3 – The Establishment must follow all the provisions of the contracts it enters into with users. It must also ensure that it has the economic conditions to bear the payments, costs and expenses related to the operations, especially ensuring the delivery and quality of the products sold or services provided.
3.4 – The Establishment is responsible for the cashback made available in the geolocator, and must guarantee the conditions offered to the user of the COPYBELL Business application, so if any incongruity arises, it must be reported to the support of the COPYBELL Business Application.
3.5 – The Establishment must comply with all provisions regarding consumer protection, including with respect to the offer, advertising and supply of products and services. The establishment assumes full responsibility for the risks of the commercial relationship, including for the potential harmfulness or dangerousness, for defects, for quality defects and for quantity defects of the products or services offered.
3.6 – It is prohibited to sell, commercialize, and other activities through the COPYBELL Business Application that disrespect the law, morality and good customs, whether national or local, either because their commercialization is not licit or because it is regulated by specific legal or regulatory norms.
3.7 – The list below contains an exemplary list of prohibitions for the use of the COPYBELL Business Application, regardless of its lawfulness:
A – Transmit or propagate programs and files that contain viruses, including “Trojan horses”, or any other code that may cause damage to the recipient or to third parties or violate privacy;
B – Obtain or attempt to obtain unauthorized access to other systems or computer networks connected to the COPYBELL Business Application service;
C – Impair, interrupt, or attempt to impair or interrupt, the COPYBELL Business Application service or the servers or networks connected to it;
D – Interfere with the COPYBELL Business Application of another Establishment;
E – Practice any act that imposes on the infrastructure of the COPYBELL Business Application an overload or disproportionate use;
F – Carry out Transactions that do not directly involve the sale of goods or the provision of services;
G – Copy, reproduce, modify, create derivative works, distribute or publicly disclose any content from the COPYBELL Business Application website or application or from a third-party website, except with the prior and express authorization of COPYBELL LTDA or of such third party, as the case may be;
H – Shares and other securities traded on the stock exchange, both national and international, as well as any other banking and financial product or service, securities and securities or raising of investments;
I – Coins and banknotes, as well as any instrument with pecuniary value, counterfeit or imitation;
J – Foreign currency;
K – Products or services prohibited by law.

4 – Of the Establishment
The Establishment must have an active registration in the National Register of Legal Entities (EIN), in the terms of the current legislation, and the declaration of this legal status is made when registering in the database of the COPYBELL Business Application.
4.2 – To use the COPYBELL Business Application, a prior registration must be filled out, in which the Establishment's data will be informed (EIN, company name, responsible person's information, and contact telephone), in order to carry out the transactions. It is the Establishment's duty to keep all data duly updated.
4.3 – All of the Establishment's registration data are archived in a virtual environment with a security certificate and encrypted using public keys, and its archiving on the Establishment's device will be protected by access using the individual, exclusive and confidential password.
4.4 – The Establishment undertakes not to allow the COPYBELL Business Application installed on its device to be used by third parties, as well as not to disclose its password to any other person.
4.5 – The Establishment declares to be aware that it should not write down its password on the device or store it in files, being of its own responsibility if it does so.
4.6 – The Establishment authorizes COPYBELL LTDA to record and archive its operations and transactions in order to use them as a means of proof before administrative and/or judicial authorities. The Establishment agrees to authorize such documents of probative value.
4.7 – The COPYBELL Business Application can analyze any Transaction carried out, through an internal procedure to identify possible risks, seeking to avoid conflicts with internal compliance policies. If necessary, contact will be made with the parties involved, and the Invoice or other document referring to the Transaction may be requested.
4.8 – After the completion of the Transaction, carried out from the use of the COPYBELL Business Application, an informative message will be sent to the electronic address contained in the Establishment's registration and a confirmation message for the User in the Application itself. The record of all transactions carried out can be freely consulted by the Establishment in the COPYBELL Business Application itself.
4.9 – In case of commercial disagreement, COPYBELL LTDA may open a dispute through internal procedures to validate the operation and, if it deems necessary, freeze the amounts for up to 60 days.
4.10 – COPYBELL LTDA is not responsible for Transactions carried out erroneously or due to the negligence of Users or Establishment, regardless of the reason presented.
4.11 – The Establishment has the autonomy to cancel payments received directly in the COPYBELL Business Application.
4.12 – The User may request cancellation directly to the Establishment or to COPYBELL LTDA . In case of a request, the decision on the acceptance of cancellation and refund requests for transactions are exclusively of COPYBELL LTDA.
4.13 – The COPYBELL Business Application has a period of 02 (two) days from the conclusion of the analysis of the Cancellation and Return Request to carry out the transactions arising from the analysis.

5 – Of the fees
The COPYBELL Business Application has charges of fixed amounts from the Establishments for its use. A fee of 2.99% per operational transaction of receipt will be applied and the user's amount paid to the establishment will be available immediately in the Establishment's wallet, and the fee may be changed at any time.
5.2 – COPYBELL may change the values of any fee of the COPYBELL Business Application without prior notice and at any time, with the Establishment being fully responsible for keeping itself updated. This happens, for example, when lower fees are applied for a certain period in view of promotional campaigns.
5.3 – COPYBELL may also round up amounts to be delivered to the Establishment, considering the third decimal place.
5.4 – The withdrawal fees will be in the amounts indicated in Annex I of this term, and may be changed at any time by COPYBELL LTDA
5.5 – The cost of installments in case of payment by credit card, must be paid by the company, unless the application is updated by COPYBELL LTDA
5.6 – In case of installments by credit card, the costs of installments will be in the amounts described in Annex I of this Term, and may be changed at any time by COPYBELL LTDA

6 – Of the responsibilities of the Establishment
The Establishment is responsible for the veracity of all its data informed to COPYBELL LTDA . If requested to the Establishment, it must present the documents to resolve any doubt.
6.2 – The Establishment will be held responsible for the acts of third parties carried out from the use of its account in the COPYBELL Business Application. COPYBELL BUSINESS cannot be held responsible for any emergent, moral, material or loss of profit damage resulting from such circumstance.
6.3 – The Establishment is responsible for the bank account linked to the EIN or credit card registered in the COPYBELL Business Application, through the use of the personal password by third parties, if:
A – it has shared the COPYBELL Business Application or its smartphone with another person;
B – it has shared or disclosed its password to third parties;
C – it has lost the device on which the COPYBELL Business Application is installed.
D – it did not immediately communicate to COPYBELL and the telephone company, requesting the blocking of the respective telephone line and internet access.
6.3.1 – The Establishment is responsible for the bank details informed for withdrawing funds from the COPYBELL Business wallet to a bank account. For wallets whose EIN has the legal nature of a Micro-entrepreneur Individual (MEI), the withdrawal may be made to the natural person's bank account, in other cases it may only be made to the company's bank account.
6.4 – The Establishment must immediately report any error or misuse of the COPYBELL Business Application through the Support, located in the COPYBELL Business Application itself.
6.5 – The Establishment may only install the COPYBELL Business Application from the access and download from sources expressly authorized by PIXBELLLTDA, under penalty of being personally responsible for the damages and risks caused by the use of the COPYBELL Business Application outside these conditions.
6.6 – The Establishment is solely responsible for the telephone and internet access fees incurred in the use of the COPYBELL Business Application.
6.7 – COPYBELL BUSINESS may analyze, at its own and exclusive discretion and without limitation of other resources, whether the Establishment is abusing the COPYBELL Business Application in any way, and may limit, suspend or terminate its account(s) and access to the services of the UUDI Business Application.
6.8 – COPYBELL LTDA may cancel unconfirmed accounts or accounts that have been inactive for a long period, and may modify or discontinue the services. It may also refuse or terminate the provision of all or part of the services to any person for any reason and at the discretion of the COPYBELL Company.
6.9 – Transactions with a QR Code may be carried out by scanning a QR code available to the Establishment, which undertakes to display it visibly in the establishment. Under no circumstances may the QR code be modified by the Establishment. COPYBELL LTDA will be responsible for any improper modification of the QR code, and will not be responsible for any damages or losses caused to Users and/or third parties resulting from such improper modification or misuse of the QR code.

7 – Of the responsibility of COPYBELL LTDA

7.1 – COPYBELL LTDA undertakes to provide the Payment Services through the exercise of the Irrevocable Mandate of Transfer of value granted by the User of COPYBELL BUSINESS.

7.2 – COPYBELL LTDA will exercise the condition of agent by complying with the Payment Requests in the exact terms defined by the User and in accordance with these Terms of Use, acting for and on behalf of the User.
7.3 – COPYBELL LTDA will strive to ensure compliance with the deadlines of these Terms of Use. Nevertheless, the Establishment is aware that, due to certain external factors or force majeure beyond the control of COPYBELL LTDA , delays may occur, which is why the Establishment exempts COPYBELL technology services ltda from any and all liability arising from any inconvenience or prejudice.
7.4 – COPYBELL LTDA undertakes to provide the services of the COPYBELL Business Application with diligence and the best available techniques, according to minimum parameters adopted by similar services, not being responsible for any damage caused in consequence of failure or interruption of the respective services.
7.5 – COPYBELL LTDA undertakes to provide the services of the COPYBELL Business Application with diligence and reasonable technique, according to minimum parameters adopted by similar services, not being responsible for any damage caused as a result of failure or interruption of the respective services.
7.6 – There is no guarantee that the service provided by the COPYBELL Business Application:
A – will not present failures in its use;
B – will be usable without interruption;
C – will be immune to losses, corruptions, attacks, viruses, interference, computer hacking or other “security attacks”, which will be considered force majeure events for all cases.
7.5 – The Establishment acknowledges and agrees that COPYBELL LTDA does not act as a financial institution, nor as an insurer, but rather as a provider of payment services for products and services offered by the Establishment, so that it is not responsible:
A – For the content of the advertisements for products, services and events made by the Establishments;
B – For the delivery, specification, characteristics, quality, punctuality, accuracy, guarantee or defects of the products, services or events sold by the Establishments;
C – For cancellations of sales or Chargebacks requested, for any reason;
D – For any emergent, material, moral and loss of profit damages caused by the non-completion or by the defective completion (in relation to quantity, nature, quality, efficiency or punctuality) of the Transaction carried out through the COPYBELL Business Application;
E – The Establishment is aware that in case of cancellation of the completed Transactions, COPYBELL has no responsibility;
7.6 – Blocks and closure: We may suspend, block, interrupt, totally or partially, in case of conduct with registration irregularities, indications of fraud or violation of this Agreement and/or any other product that the Establishment has with the COPYBELL Business Application, or even permanently terminate the provision of products and services for it at any time and without the need to present our reasons, ceasing to grant or denying access to the Application. The Establishment may also close its COPYBELL Account with us by accessing the “Settings” menu of the Application or through the service channels.

8 – Data
You are responsible for the veracity of your personal data, the data of the Card you register in the Application and the bank account you provide to carry out bank transactions. If we ask, the Establishment must prove that it is the owner of the card registered in the application.
8.1 – Use of data: We are a digital payment platform that complies with the legislation regulated by the Central Bank of Brazil. For this reason, we comply with regulatory obligations for the Establishment to use the COPYBELL Business, such as: registration validations, fraud prevention, money laundering and financing of terrorism, among others. To comply with these and other tasks while working on the continuous improvement of your experience, we need to collect and use your data (such as name, SSN/EIN, address, selfie and documents with photos).
8.2 – Purpose: The use of your data may serve various purposes related to the performance of our activities and, as mentioned before, to improve your experience, such as:
A – Preliminary procedures or execution of your contracts with us;
B – disclosure, offer, provision of services and supply of products;
C – evaluation of the most suitable products and services for your profile;
D – Compliance with legal, regulatory and requests from administrative and judicial authorities;
E – For the regular exercise of rights in administrative, judicial and arbitration proceedings;
F – analysis, management and treatment of potential risks, including credit, fraud and security;
G – Verification of your identity and personal data (including biometrics), for authentication, security and/or fraud prevention purposes, carried out in our own or third-party electronic systems;
H – evaluation, maintenance and improvement of our products and services;
I – sending of communication to the Establishment;
J – hypotheses of legitimate interest, such as development and offers of products and services.
8.3 – Sharing: To meet the purposes provided for in this Agreement and in our Privacy Policy, we may share your Personal Data, adopting all necessary technical and organizational measures, in accordance with the General Law of Data Protection 13.709/2018, and the applicable legislation, with:
A – Companies of our economic group;
B – partner service providers, located in Brazil or abroad.
C – regulatory bodies and public entities, including administrative and judicial; and
D – Strategic partners to enable the offer of products and services.
8.4 – The shared and processable data of the users registered in the application will be stored by the COPYBELL BUSINESS application for a period of 10 years after the deactivation of the user's account in the application.
8.5 – Additional information: For more information about the personal data collected, the purposes of processing, sharing of personal data and about your rights in relation to your personal data (e.g., correction, access to data and information about processing, elimination, blocking, deletion, opposition, etc.), access our Privacy Policy in the Application and on our website.

9 – Intellectual Property
The COPYBELL Business Application, as well as any of its integral parts, belong to COPYBELL APP. All intellectual property rights (copyright and industrial property rights) related to the Business Application, including text, trademarks, software codes, architecture, graphics, logos and designs, are owned or licensed by COPYBELL and are protected by copyright, trademark, patent and other intellectual property rights.
9.2 – COPYBELL LTDA grants the Establishment a limited, non-exclusive license to use the Business Application, specifically to access and use for transactions related to the provision of payment services.
9.3 – The license granted herein is limited, not allowing the Establishment to sell or resell the COPYBELL Business Application or its content, to carry out the collection or use of any information on products, descriptions, listings and other prices published through the said COPYBELL Business Application; or to make any derivative use of the COPYBELL Business Application or its contents, such as: copying, duplicating, modifying, transferring, alienating, reproducing the COPYBELL Business Application, not even exploring or creating (whether for oneself or for another person) any product or service seeking to copy or imitate the COPYBELL Business Application.

10 – Recurring Cashback
The recurring cashback is a modality offered by the COPYBELL Business Application, being carried out for each payment made within the COPYBELL Business application;
10.2 – The COPYBELL Business Application can reverse the value of a cashback in the event that the value of the cashback is the result of illegitimate or undue transactions; that is, that do not have a real purpose or payment purpose.
Examples of illegitimate transactions, not eligible for the promotions are:
A – transactions between related parties or accounts (autoreward);
B – reciprocal transactions; and
C – transactions between accounts whose holder is not in fact the one stated in the registration.
10.3 – Credits received unduly can be reversed from your Wallet at any time, without prior notice, and/or we can also send a bill to the USER.
10.4 – The CASHBACK will be sent with all the taxation provided for in law.
10.5 – The receipt of cashback in the new digital wallet has no limits of receipt.

11 – Top-up
Through COPYBELL Business the user can perform mobile top-up of the operators registered in the Application; in this way, in the transitions of acquiring top-up in this modality, the following fees will be withdrawn, according to annex I of this Term, and the fees may be changed at any time:
I – 2.99% in cash;
II – 4.99% with the payment made by credit card.
11.2 – The receipt period, after the effective payment of the top-up purchase is instantaneous.

12 – General Conditions
COPYBELL LTDA may modify the content of this term at any time, and must publish the new version duly updated on its website, at which time the contractual changes will come into full force.
12.2 – This Term will be in force for an indefinite period. COPYBELL LTDA and the Establishment may, at any time during the term of this Term, terminate it without the need to express any cause, which will imply the closure of the Establishment's account and the end of access to all or part of the services, but will not suspend the fulfillment of all requests for payment management already authorized by the Establishment.
12.3 – COPYBELL LTDA may, if the Establishment does not comply with the conditions of this term or the applicable legislation, terminate the provision of services without any type of prior notice, reserving the right to claim the damages and losses that the non-compliance has caused.
12.4 – Communications with the Establishment may be made by the electronic address registered in the personal account in the COPYBELL Business Application, by text message sent to the cell phone registered in the personal account or by a telephone call made to the telephone.
12.5 – Both parties undertake to make efforts to amicably resolve any conflicts that arise for any matter related to the object of this term.
12.6 – The Establishment agrees, from now on, that COPYBELL LTDA may assign, totally or partially, the rights and obligations arising from this term to third parties.
12.7 – COPYBELL LTDA may, at its sole discretion, grant more beneficial conditions of fees and charges to the Establishment, due to its promotional actions. These more beneficial conditions will be considered mere liberality, without being characterized as novation or waiver of the rights agreed upon herein.
If you agree with all the clauses present herein, proceed with the installation of the COPYBELL Business Application and create your account. Otherwise, the use of the COPYBELL Business Application will be impossible.