Terms of Use

This website is operated by Matera Systems Informática S.A., a Brazilian corporation registered under CNPJ 57.040.040/0001-84 (hereinafter referred to as "Matera Systems," "we," "us," or "the Company"). By accessing, browsing, or otherwise using this website — whether from a desktop computer, mobile device, or any other platform — you acknowledge that you have read, understood, and agree to be legally bound by these Terms of Use, as well as by our Privacy Policy.

If you do not agree with any provision of these Terms, you must immediately discontinue your use of this website. Your continued use following any revision or update to these Terms constitutes your binding acceptance of those changes.

These Terms form a legally enforceable agreement between you (the visitor) and Matera Systems. If you are accessing this website on behalf of a company, organization, or other legal entity, you represent and warrant that you have full authority to bind that entity to these Terms, and all references to "you" apply to both you individually and to that entity.

This website is provided solely for institutional, informational, and corporate communication purposes. The content herein describes Matera Systems' business activities, areas of expertise, corporate values, and general contact information. All use of this site must remain consistent with these purposes.

You are granted a limited, non-exclusive, non-transferable, and revocable license to access and view the pages of this website for personal, non-commercial informational use. This license does not include:

• Systematically downloading, scraping, or extracting content from any section of this website using automated tools, bots, spiders, or similar technologies;
• Copying, reproducing, republishing, or distributing any portion of the website's text, images, graphics, or other materials without the prior written consent of Matera Systems;
• Using the website's content to create derivative works, compilations, or databases for commercial purposes;
• Reverse engineering, decompiling, or otherwise attempting to extract source code from any technology embedded in the website's presentation or functionality;
• Framing this website — or linking to specific pages in a manner that creates a false impression of endorsement, partnership, or affiliation with Matera Systems — without express written approval.

Matera Systems reserves the right to monitor usage patterns and to restrict, suspend, or terminate access to the website — or to any specific section of it — at its sole discretion and without prior notice, including in response to conduct that we believe violates these Terms or is otherwise harmful to the Company, its clients, or third parties.

All content published on this website — including but not limited to the Matera Systems name, logotype, trademarks, service marks, trade dress, text, articles, data, graphics, photographs, illustrations, icons, software code, interface designs, color schemes, and page layouts — constitutes the exclusive intellectual property of Matera Systems Informática S.A. or is used under valid license from its respective rights holders.

The Matera Systems brand, including all associated marks and visual identifiers, is protected under applicable Brazilian intellectual property law, particularly Law No. 9.279/1996 (Industrial Property Law), as well as applicable international trademark conventions to which Brazil is a signatory.

Nothing in these Terms, and nothing in your use of this website, shall be construed as granting you — expressly, by implication, by estoppel, or otherwise — any license or right to use any trademark, logo, or proprietary mark of Matera Systems without our prior written authorization. Any unauthorized use of the Matera Systems name or branding constitutes infringement and may expose the infringing party to civil and criminal liability under Brazilian law.

Matera Systems respects the intellectual property rights of others. If you believe that any content on this website infringes upon your intellectual property rights, please contact us at the address provided in Section 11 of these Terms with a detailed description of the alleged infringement.

While this is a purely informational, read-only institutional website with no user accounts, comment sections, or interactive submission features, certain behavioral standards apply to all visitors. By accessing this website, you agree that you will not:

• Attempt to gain unauthorized access to any portion of the website's server infrastructure, hosting environment, or associated systems through hacking, password mining, or any other exploitative means;
• Transmit any malware, ransomware, spyware, adware, viruses, trojans, worms, or other code of a destructive or disruptive nature through any channel connected to this website or its hosting environment;
• Use this website in any manner that could unreasonably impair, overload, damage, or disable any server or network infrastructure used by Matera Systems or its service providers, including through denial-of-service attacks or similar techniques;
• Engage in any conduct that is unlawful, fraudulent, misleading, defamatory, or that infringes upon the rights of Matera Systems, its employees, clients, or any third party;
• Harvest, collect, or compile personal data of Matera Systems staff or partners visible on this site for commercial, unsolicited marketing, or any other unauthorized purpose;
• Impersonate Matera Systems, any of its directors or employees, or any other person or entity in connection with content derived from this website.

This website may contain hyperlinks to external websites, publications, industry resources, partner organizations, or regulatory bodies that are not owned, controlled, or operated by Matera Systems. These links are provided solely as a convenience and for informational enrichment. Their inclusion does not imply our endorsement, sponsorship, recommendation, or approval of the content, products, services, policies, or practices of any linked third-party site.

Matera Systems has no control over the content, privacy practices, or availability of external websites. We make no representations or warranties regarding the accuracy, completeness, legality, or reliability of any information found on third-party sites. When you leave our website by following a link to a third-party destination, you do so at your own risk, and we encourage you to review the terms of use and privacy policy of any external site you visit.

Third parties wishing to link to this website are permitted to do so provided that the link is not presented in a misleading or disparaging manner, does not falsely suggest any affiliation with or endorsement by Matera Systems, and does not embed our pages within a frame that obscures the site's origin or branding. We reserve the right to request removal of any link at any time.

This website and all of its content are provided on an "as is" and "as available" basis without any warranties of any kind, whether express or implied. To the maximum extent permitted by applicable Brazilian law, Matera Systems expressly disclaims all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement;
• Warranties that the website will be uninterrupted, error-free, or free from viruses, malicious code, or other harmful components;
• Warranties that defects, inaccuracies, or omissions in the content will be corrected in a timely manner;
• Warranties regarding the suitability, reliability, availability, or timeliness of any information presented on the website for any specific purpose.

The information published on this website is intended to provide a general overview of Matera Systems' institutional profile and services. It does not constitute legal, financial, regulatory, or technical advice. Visitors who require professional guidance relating to financial technology, payment infrastructure, regulatory compliance, or any other specialized matter should seek independent professional counsel.

While Matera Systems endeavors to keep information current and accurate, corporate circumstances, regulatory environments, and service offerings evolve. We make no guarantee that all content is up to date at the time of viewing.

To the fullest extent permitted under applicable Brazilian law, Matera Systems Informática S.A. — and its directors, officers, employees, affiliates, agents, contractors, and licensors — shall not be liable for any direct, indirect, incidental, special, consequential, punitive, or exemplary damages arising out of or in any way connected with your access to or use of (or inability to use) this website or its content.

This limitation of liability covers, without limitation, damages for loss of profits, loss of data, loss of goodwill, business interruption, reliance on information presented on the site, or the cost of procuring substitute services — even if Matera Systems has been advised of the possibility of such damages.

Nothing in these Terms limits or excludes liability for fraud, willful misconduct, or any other matter for which it would be unlawful for Matera Systems to exclude or limit liability under Brazilian law, including the Brazilian Consumer Protection Code (Law No. 8.078/1990) where applicable.

You agree to defend, indemnify, and hold harmless Matera Systems Informática S.A., together with its directors, officers, shareholders, employees, agents, affiliates, successors, and assigns, from and against any and all claims, liabilities, damages, losses, costs, and expenses — including reasonable attorneys' fees and legal costs — arising out of or in any way related to:

• Your access to or use of this website in a manner inconsistent with these Terms of Use;
• Your violation of any applicable law, regulation, or third-party right, including any intellectual property right, right of privacy, or contractual right;
• Any content, data, or communication you transmit to Matera Systems in connection with this website;
• Any misrepresentation made by you regarding your identity, authority, or intended use of information obtained from this website;
• Any unauthorized attempt to access, probe, or interfere with the technical systems or infrastructure supporting this website.

Matera Systems reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate fully with Matera Systems in asserting any available defenses.

These Terms of Use, and any dispute, claim, or controversy arising out of or in connection with them — whether contractual, tortious, or otherwise — shall be governed by and construed in accordance with the laws of the Federative Republic of Brazil, without giving effect to any choice-of-law or conflict-of-law rules that would cause the laws of any other jurisdiction to apply.

The parties irrevocably submit to the exclusive jurisdiction of the courts of the State of São Paulo, Brazil, for the resolution of any dispute arising from or relating to these Terms or your use of this website. Notwithstanding the foregoing, Matera Systems retains the right to seek injunctive or other equitable relief in any court of competent jurisdiction to prevent unauthorized use of its intellectual property or to protect the security of its systems.

This website is operated from Brazil and is intended primarily for audiences operating within the Brazilian legal and regulatory context. Matera Systems makes no representation that the content or services described on this website are appropriate or available for use in locations outside Brazil. Users who access this website from other countries do so on their own initiative and are responsible for compliance with applicable local laws.

Matera Systems reserves the right to review, revise, update, or replace any part of these Terms of Use at any time, at its sole discretion, in order to reflect changes in our business practices, applicable law, industry standards, or regulatory requirements. Revisions become effective immediately upon publication on this page.

We will indicate the date on which these Terms were most recently revised by updating the "Last updated" date displayed at the top of this page. If a revision is material — in our reasonable judgment — we may also take additional steps to draw it to the attention of visitors, such as displaying a notice on the homepage for a limited period.

Your continued use of this website following the posting of revised Terms constitutes your acceptance of those revisions. If you do not agree to the revised Terms, you should discontinue your use of the website. We encourage you to review these Terms periodically to stay informed of any changes.

If you have any questions, concerns, or requests relating to these Terms of Use — including requests regarding our intellectual property, inquiries about the scope of permitted use of this website's content, or notifications of potential violations — please contact us through the details below. We aim to respond to all written inquiries within ten (10) business days.