1. Acceptance of Terms

By accessing or using the services provided by Votorantim Corretora ("we," "us," or "our"), you agree to be bound by these Terms of Service. If you do not agree to all of these terms, do not use our services.

2. Account Registration

To access certain features of our services, you must register for an account. When registering, you agree to:

• Provide accurate, current, and complete information
• Maintain the security of your password and accept all risks of unauthorized access
• Promptly update any information that becomes outdated
• Be responsible for all activities that occur under your account

3. Banking Services

Votorantim Corretora provides various banking services including but not limited to:

• Deposit accounts
• Loan services
• Investment products
• Payment processing
• Digital banking services

All services are subject to additional terms and conditions which will be provided at the time of service enrollment.

4. Privacy Policy

Your privacy is important to us. Our Privacy Policy explains how we collect, use, and protect your personal information. By using our services, you consent to the collection and use of information as described in our Privacy Policy.

4.1 Information Collection

We collect information that you provide directly to us, such as when you create an account, apply for services, or contact customer support. This may include:

• Personal identification information (name, address, date of birth)
• Financial information (income, assets, credit history)
• Contact information (email, phone number)
• Government-issued identification numbers

4.2 Information Use

We use the information we collect to:

• Provide, maintain, and improve our services
• Process transactions and send related information
• Detect and prevent fraud
• Comply with legal obligations
• Personalize your experience

5. Regulatory Compliance

Votorantim Corretora operates under the regulatory oversight of financial authorities in the jurisdictions where we provide services. We are committed to full compliance with all applicable laws and regulations, including:

• Anti-Money Laundering (AML) regulations
• Know Your Customer (KYC) requirements
• Data protection laws
• Consumer protection regulations

6. Fee Disclosures

Certain services may be subject to fees as described in the specific service agreements. We will always disclose any applicable fees before you incur them. Common fees include: