Terms of Use

Agreeing to these terms

By accessing our websites, creating an account, or purchasing any product from JMS Infoprodutora LTDA, you agree to be bound by these Terms of Use and by our Privacy Policy and Refund Policy, which are incorporated by reference.

What we sell

We sell digital products — ebooks, infoapps and lightweight SaaS tools — delivered electronically. Products are for personal, non-commercial use unless a specific license states otherwise, and are provided "as is" for informational and educational purposes.

What you can and can't do

• You receive a personal, non-transferable license to access and use the product you purchased.
• You may not resell, redistribute, publicly share, or create derivative works from our products without written permission.
• You may not reverse-engineer, scrape or attempt to bypass access controls on any infoapp or SaaS tool.

Account responsibilities

If a product requires an account, you're responsible for keeping your login details confidential and for all activity under your account. Let us know immediately at jmsinfoprodutora@gmail.com if you suspect unauthorized access.

Pricing and payment

Prices are shown at checkout in the currency applicable to your market and are processed by third-party payment providers. All purchases are subject to our Refund Policy.

Educational content only

Our ebooks and infoapps share general, educational information. They are not a substitute for professional medical, legal, financial or other individualized advice, and you should consult a qualified professional before acting on anything they contain.

Limits on our liability

To the extent permitted by Brazilian law, JMS Infoprodutora LTDA is not liable for indirect, incidental or consequential damages arising from the use of our products, and our total liability for any claim is limited to the amount you paid for the relevant product.

Changes to these terms

We may update these terms from time to time. Continued use of our products after an update means you accept the revised terms. Material changes will be reflected by an updated "last updated" date at the top of this page.

Jurisdiction

These terms are governed by the laws of Brazil, and any dispute will be subject to the courts of São Paulo, SP, unless mandatory local consumer law provides otherwise.

Questions about these terms

JMS Infoprodutora LTDA — Avenida Brig. Faria Lima, 1811, Conj. 1119, Jardim Paulistano, São Paulo — SP, 01452-001, Brazil. Email: jmsinfoprodutora@gmail.com.