General Terms of Service

1. Acceptance of Terms

These Terms and Conditions ("Terms") govern your use of the banking services provided by Votorantim Corretora ("we", "us", or "our"). By accessing or using our services, you agree to comply with and be bound by these Terms. If you do not agree to these Terms, you may 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 your account information if it changes
• Be responsible for all activities that occur under your account

3. Services Offered

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

• Savings and checking accounts
• Investment services
• Loans and credit facilities
• International money transfers
• Digital banking services

All services are subject to these Terms and any additional agreements applicable to specific services.

4. Fees and Charges

Our fee structure is outlined in our Schedule of Fees, which is incorporated by reference into these Terms. You agree to pay all applicable fees and charges associated with your use of our services. We reserve the right to change our fees with 30 days' notice.

5. Privacy and Data Protection

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 your information as described in our Privacy Policy.

Account Management

6. Account Access

You may access your account through our online banking platform, mobile applications, or at our physical branches. We reserve the right to limit or restrict access to your account for security reasons or to comply with applicable laws and regulations.

7. Transactions

All transactions conducted through your account are subject to verification and approval by us. We may refuse to process any transaction that we believe may violate these Terms or applicable laws.

8. Liability for Unauthorized Transactions

You must notify us immediately if you believe your account has been compromised or if an unauthorized transaction has occurred. Your liability for unauthorized transactions is limited as provided by applicable law, provided you notify us promptly.

Intellectual Property

9. Ownership

All content, trademarks, logos, and other intellectual property on our website and applications are owned by or licensed to Votorantim Corretora. You may not use, copy, reproduce, modify, or distribute any of our intellectual property without our express written permission.

10. License to Use

We grant you a limited, non-exclusive, non-transferable license to access and use our services for your personal, non-commercial use in accordance with these Terms.

Limitation of Liability

11. Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that our services will be uninterrupted, secure, or error-free.

12. Limitation of Liability

To the maximum extent permitted by law, Votorantim Corretora shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your access to or use of our services.

Miscellaneous

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of Brazil, without regard to its conflict of law principles.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes through our website or by email. Your continued use of our services after such changes constitutes your acceptance of the new Terms.

15. Termination

We may terminate or suspend your access to our services at any time, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.