OpereBem Terminal Terms of Use

These Terms of Use ("Terms") govern access to and use of the platform of content about the financial market and macroeconomic data ("Platform"), made available at https://terminal.operebem.com.br and owned by Mateus Teixeira ("OpereBem").

By using the Platform, you ("User") declare that you have read, understood, and fully agree to the conditions set forth herein, as well as our Privacy Policy (https://group.operebem.com.br/terminal/privacy-policy) and our Risk Advice (https://group.operebem.com.br/terminal/risk-advice), which are an inseparable part of these Terms.

IF YOU DO NOT AGREE WITH THESE TERMS, DO NOT USE THE PLATFORM.

• (i) Platform: The software and website accessible through https://terminal.operebem.com.br, which provides the Services.
• (ii) User: Any natural person who accesses or uses the Platform.
• (iii) Services: The term “Services” encompasses access to the OpereBem Terminal, as well as authenticated access via single sign-on (SSO) to the Student Portal (educational content) and to the Community (Discord server), integrating the OpereBem ecosystem.
• (iv) Content: All information, opinions, news, analyses, data, texts, numbers, images, videos, graphics and other materials available on the Platform.
• (v) OpereBem: Natural person Mateus Teixeira, legal responsible, founder and owner of the project.
• (vi) Parties: OpereBem and User.

1.1. The purpose of these Terms is to regulate the free, non-exclusive license to use the Platform by the User.

1.2. Access to the Services requires prior registration. By registering, the User agrees that their contact data (name, email, phone, etc.) will be integrated into the OpereBem ecosystem and may be used to send communications about our products, services, and content.

2.1. The Platform is intended for Users aged 18 (eighteen) or older or emancipated, with full civil capacity. Use by minors is prohibited, except with the express written authorization of legal guardians, in accordance with Article 14 of the Brazilian General Data Protection Law (LGPD).

2.2. The User undertakes to use the Platform ethically, lawfully, and in accordance with these Terms.

2.3. The User's account on the Terminal works as a Single Identity (OpereBem ID). Cancellation, suspension, or blocking of the Terminal account due to a breach of these Terms will result in the automatic and immediate loss of access to the Student Portal and the Discord Community, without the right to reimbursement if the violation is due to improper conduct.

3.1. THE CONTENT MADE AVAILABLE ON THE PLATFORM AND THROUGHOUT THE OPEREBEM ECOSYSTEM IS FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY AND SHALL NOT, UNDER ANY CIRCUMSTANCES, BE INTERPRETED AS FINANCIAL, INVESTMENT, LEGAL, TAX, ACCOUNTING, OR ANY OTHER PROFESSIONAL ADVICE OR RECOMMENDATION.

3.2. OpereBem obtains data from external, public or private sources considered reliable. However, OpereBem does not guarantee its accuracy, completeness, or timeliness, and it may be subject to delays, interruptions, or inaccuracies. The User acknowledges and assumes the risks inherent in this condition.

3.3. OpereBem disclaims any and all liability for direct or indirect losses or damages that may arise from the use (or inability to use) the Content or the Services.

3.4. As this is a free service, OpereBem’s liability is fully limited to the maximum extent permitted by Brazilian law.

3.5. The Platform may contain links to or indications of third-party companies (“Referred Third Parties”). OpereBem has no control over or responsibility for the services, practices, terms, or policies of such third parties, and it is the User’s sole responsibility to perform their own analysis before engaging with any Referred Third Party.

3.6. OpereBem does not endorse, verify, or take responsibility for messages, proof-of-trade screenshots, analyses, or opinions posted by other Users (“User-Generated Content”). Any decision to speculate or invest is the User’s sole responsibility.

3.7. OpereBem does not guarantee specific financial results, future profits, or success in the User’s financial operations. Learning depends on individual dedication, and the strategies presented involve the risk of capital loss.

3.8. Use of the Platform is at the User’s sole risk. The service is provided “as is” and “as available,” without warranties of any kind.

4.1. OpereBem grants the User a non-exclusive, non-transferable, free license to use the Platform strictly for personal and non-commercial purposes, in accordance with these Terms.

4.2. The Platform, its source code, design, interface, trademarks, logos, and all Content are the exclusive property of OpereBem or its licensors and are protected by intellectual property and copyright laws.

4.3. The User does not acquire any ownership rights over the Content or the Platform by using the Services.

4.4. Access to the Discord Community and to comment areas of the Student Portal is a privilege, not a right. OpereBem reserves the right to moderate, remove content, and ban Users, at its sole discretion, to maintain order and quality of the environment.

4.5. By posting analyses, charts, or feedback in the Community, the User grants OpereBem a perpetual, worldwide, royalty-free license to use, reproduce, and share such content for marketing or educational purposes (e.g., showcasing a student’s trade on OpereBem’s Instagram).

4.6. Any and all content—text, audio, or video—posted or shared live in the Community (or in any physical or virtual environment of the OpereBem group) is strictly educational and informational in nature. No communication should be treated as an investment recommendation.

4.7. The following are expressly prohibited:

• a) Copying, modifying, distributing, selling, or renting any part of the Platform or the Content.
• b) Reverse engineering, decompiling, or attempting to extract the Platform’s source code.
• c) Using any form of automation, such as web scraping, crawling, bots, or data mining, to extract data from the Platform. Violation of this clause subjects the offender to applicable civil and criminal sanctions, under Law No. 9,610/98 (Copyright Law) and Article 184 of the Penal Code.
• d) Using the Platform for illicit, unethical, malicious purposes, or in ways that harm OpereBem or third parties.
• e) Sharing access credentials (login), as well as recording, downloading (except permitted materials), distributing, or publicly displaying video lessons, booklets, or any material from the Student Portal or the Discord Community. The system monitors simultaneous accesses and suspicious IPs.
• f) Failure to comply with the specific Rules of Conduct of the Discord Community, which the User is aware of and are detailed in the “rules” channel of that platform.

5.1. The collection, use, and processing of the User’s personal data are governed by our Privacy Policy, in full compliance with the Brazilian General Data Protection Law (LGPD – Law No. 13.709/2018).

5.2. The Privacy Policy details the purposes of data collection, the rights of the data subject (such as access, rectification, and deletion), and how to exercise them.

5.3. The Platform uses cookies. Our policy on this topic is detailed in the Privacy Policy.

6.1. OpereBem undertakes to follow market best practices, adopting technical and administrative measures to protect the User’s data. However, no system is infallible, and the User acknowledges and agrees that absolute security on the internet cannot be guaranteed.

6.2. The User is solely responsible for the security of their password and for all activities carried out in their account.

7.1. These Terms come into effect on the date of the User’s acceptance and remain valid for an indefinite period, as long as the User maintains their account active.

7.2. By the User: The User may, at any time, request the closure of their account through the support channels of the Platform.

7.3. By OpereBem: OpereBem reserves the right to immediately suspend or terminate, without prior notice, the User’s access if they violate any provision of these Terms or engage in fraudulent or illegal acts.

8.1. OpereBem may change these Terms at any time. Changes will be communicated by email or by prominent notice on the Platform.

8.2. Continued use of the Platform after notification of changes constitutes acceptance of the new Terms. If you do not agree, you must close your account and stop using the service.

9.1. These Terms, the Privacy Policy, and the Risk Advice constitute the entire agreement between the parties, superseding all prior ones.

9.2. OpereBem’s tolerance in requiring compliance with any clause shall not constitute a waiver of rights.

9.3. Official communication from OpereBem to the User will be made through the registered email. User support will be provided through the channels indicated on the Platform.

9.4. These Terms are governed by the laws of the Federative Republic of Brazil, with special reference to the Brazilian Internet Civil Rights Framework (Law No. 12.965/2014) and the LGPD (Law No. 13.709/2018).

9.5. If any provision of these Terms is deemed invalid, illegal, or unenforceable, in whole or in part, by a competent authority, such circumstance shall not affect the remaining provisions, which shall remain in full force and effect. The affected provision should be interpreted or, if necessary, replaced to reflect as faithfully as possible the original intent of OpereBem and the purpose of these Terms.

9.6. The courts of the Judicial District of Belo Horizonte, State of Minas Gerais, are chosen to settle any disputes arising from this instrument, with the waiver of any other, however privileged it may be.