Terms of Use

1. Introduction
Welcome to HcDigital (“we,” “our,” or “the site”). By accessing and using our site, you agree to comply with these Terms of Use. If you do not agree with the terms set forth, please refrain from using this site.

2. Purpose of the Site
HcDigital provides content related to financial education for informational and educational purposes only. The content made available does not constitute financial, legal, or professional advice. Always consult a specialist before making any financial decisions.

3. Use of Content
3.1. You may access, download, and share the site’s content exclusively for personal and non-commercial purposes, provided all copyright notices and other legal notices remain intact.
3.2. It is strictly prohibited to reproduce, distribute, modify, or exploit the site’s content for commercial purposes without prior written authorization.

4. Limitation of Liability
4.1. While we strive to provide accurate and up-to-date information, we make no guarantees as to the accuracy, completeness, or relevance of the published content.
4.2. HcDigital will not be held responsible for any losses or damages arising from the use of the site or decisions made based on its content.

5. Intellectual Property
All texts, graphics, logos, icons, and other visual and textual elements are the property of HcDigital or its content providers and are protected by applicable copyright and intellectual property laws.

6. Third-Party Links
The site may contain links to third-party websites. These links are provided solely for user convenience and do not imply endorsement or responsibility for the content of such websites.

7. Changes to These Terms
HcDigital reserves the right to modify these Terms of Use at any time, without prior notice. We recommend reviewing this page regularly to stay informed about updates.

8. Governing Law
These Terms of Use are governed by the laws of Brazil. If you access the site from another jurisdiction, it is your responsibility to comply with any local laws that may be more restrictive.

9. Contact
If you have any questions or concerns about these Terms of Use, please contact us at: contact@hcdigitalstore.com.

Date of Last Update: January 8, 2025