Privacy Notice

Before starting any interaction on our website (“Site”), we would like You to carefully read our operating rules. By accessing this Site, You, as an individual and/or legal entity, fully accept and agree to these Terms of Use (“ToU”), which regulate the conditions of use of the pages maintained by HORIENS CONSULTORIA E CORRETORA DE SEGUROS LTDA., a private company, CNPJ/MF registration nº 14.588.248/0002-00, headquartered at Av. das Nações Unidas, 14401, 6º andar, Torre Aroeira – B1, Chácara Santo Antônio, São Paulo, SP – 04794-000. (“Horiens”). In this way, You are committing Yourself to respect, under any circumstances of fact or of law, the following rules:

2.1. Horiens is committed to making its best efforts to ensure the security, uninterrupted availability, and quality of information transmitted through the Site. You acknowledge that Horiens cannot in any way be held responsible for causes beyond its best, economically reasonable efforts as to the integrity, timeliness and accuracy of such information.

2.2. Access and use of the Site is the sole responsibility of the user and depends on other service providers, such as internet access providers and telecommunications companies, and must be carried out using compatible equipment. Horiens is not responsible for any failure or unavailability of the Site, nor does it guarantee the impossibility of its system and servers being attacked, invaded, or modified by third parties. You understand that, due to the characteristics inherent to the Internet environment, Horiens cannot guarantee that access to the Site and the SERVICES is adequate to Your technological needs or free of problems, which may be caused by fortuitous events, internal or external, force majeure events or others not entirely under Horiens’ direct control, including, but but not limited to, viruses or any type of programming routine or codes, which may cause damages. Under these conditions, You agree to hold Horiens harmless in any claims, from You or third parties, relating to interruptions, interceptions, invasions, spread of viruses or other unlawful acts.

2.3. It is the user’s full responsibility to keep their computer environment safe, using tools such as antiviruses and firewalls, contributing to the prevention of electronic risks.

4.1. You agree not to: (i) reproduce, modify, reverse engineer, compile, decompile, copy or modify source codes, transmit, publish, sublicense, permit, authorize, rent, sell and/or distribute, or in any way otherwise not permitted in these ToU, use or transfer, in whole or in part, any CONTENT contained on the Site or directly or indirectly related to these ToU, without prior and express written authorization from Horiens, (ii) circumvent or break any security system on the Site, (iii) try to disseminate materials that collect information (such as gifs, cookies and spyware), viruses or any malicious program, (iv) use tools to make Your IP (Internet Protocol) address anonymous, and (v) violate these ToU and any applicable municipal, state, federal or international laws.

4.2. You acknowledge that, if Horiens makes available on the Site the option to download documents of interest, You must not use such documents on other media except in the memory of the computer on which You have downloaded them. Any exception to this rule must be expressly indicated on the Site, or be subject to specific authorization, in writing, by Horiens.

4.3. You will be responsible for providing any technical specifications, including product codes, if You intend to obtain from Horiens, through the Site, any budgetary information with Horiens’ products or services.

4.4. If You, Your company or institution makes available on the Site any information about Your products or services, including price lists, freight, technical specifications, transport routes, availability of insurance or guarantees, or any other such information, You and Your company or institution will be solely responsible for compliance with what is made available and for updating and ensuring the accuracy of such information, which may not violate any competition laws.

4.5. In relation to links related to the Site sent by Your users, Horiens’ prior and written authorization is required, and the following additional conditions must also be respected: (a) the link may only allow access to the Site pages, and may not lead to pages with partial or total reproduction of the Site pages; (b) no links can be established with any page on the Site other than Your homepage; (c) a browser or a border environment should not be created on the Site pages; (d) no declaration or implication can be made that Horiens supervises or in any way assumes the contents or services offered or made available to the page on which the link to the Site is established; (e) except for the signs that form part of the link, the page on which the link is established will not contain any brand, commercial name, title of establishment, denomination, logo, slogan or other distinctive signs belonging to or referring to Horiens; and (f) the page on which the link is established will not contain illicit information or content, contrary to human dignity, morals and generally accepted morals, in particular, to the rules of behavior on the Internet, nor will it contain content that is discriminatory or contrary to any rights of third parties or public order. The establishment of a link does not in any way imply the existence of commercial relations or a legal-contractual relationship between Horiens and the owner of the page on which the link is established, nor the acceptance, approval or responsibility by Horiens of its contents or services.

4.6. Regarding frames, You should observe the same rules contained in the previous section related to links, and should allow for easy identification, by the visitors of the page where the frame is established, that the frame is not originally part of the page in which it has been established.

4.7. Regarding meta tags and keying, You must secure Horiens’ prior agreement, in writing, before any contact with search engines on the Internet and/or with advertisers.

6.1. The Site may be accessed by means and services provided directly by Horiens, by companies hired by Horiens or by companies that access it.

6.2. Information about Horiens is available on the Site for different audiences, depending on its nature, and is intended for shareholders or investors, suppliers, customers or third parties in general. In some areas of the website, access will be restricted. To access them, You must have a username (“LOGIN”) and password, both individual, confidential and non-transferable, and which cannot be shared or transferred to third parties. We recommend that You adopt a strong password, not using obvious sequences of numbers and letters or those that can be easily deduced. You are the only one responsible for safeguarding them, You must keep them in a safe place, being responsible for all acts that are performed with Your access data.

6.3. In case of corporate access, Horiens will provide a LOGIN and an administrator password to a member/employee formally appointed by the company/client by means of a registered letter to Horiens, who will be the main responsible party for free access to the restricted areas. The administrator designated by the company/client must sign a receipt acknowledging delivery of the provisional Master Password for the first access, and must then create their own passwords, without any knowledge or control by Horiens. Access with the provisional password will imply company/client agreement with these ToU. The Master Password will be under the responsibility of the company/client and the employee appointed by the company, who will be able to manage the creation and distribution of access profiles and passwords to other members/employees of the company. The Master Password will also allow the responsible party, the editing and blocking of access profiles created by it. Horiens will have no knowledge nor will it inspect the security policies and practices adopted by the company/client and their compliance. The password administrator can create up to 10 (ten) profiles and distribute them among its members/employees. Therefore, Horiens is not responsible for the creation and internal distribution of passwords and access profiles within companies, for their use, updating, conservation, security or for blocking them. Horiens may, at any time, rescind the general access of the company/client, including that of the system administrator and/or that of any other employee, as a result of potential violations of these ToU.

6.4. In restricted access areas, You must observe the rules for internal access levels defined by Your company or institution and communicated by it to Horiens. If You are the System Administrator of Your company or institution, You must follow the specific rules communicated in writing by Horiens to You or Your company’s or institution’s management team.

6.5. We hereby inform You that Horiens and/or its employees do not request access data from any Site users. If You suspect any breach of security or unauthorized use of Your password, You must notify Horiens immediately by email at contato@horiens.com and immediately change Your password on the Site.

8.1. Any violation by You of the rules contained in the present ToU or in the applicable legislation will, when applicable, give rise to Horiens’ initiation of action with the competent authorities to safeguard its rights and execute applicable sanctions, without prejudice to the rights, by Horiens or by any third parties eventually affected, to any loss or damage indemnification.

8.2. You acknowledge that Horiens may, at any time and without application of any penalty, limit access to any part of the Site to a restricted scope, suspend or terminate the provision of any of the SERVICES, define that its respective availability shall be compensated, or change the terms of these ToU at its discretion. Horiens will make advance notice available on the Site as early as possible.

8.3. You acknowledge that messages and electronic files are skillful means of proof, for all purposes, when using computer resources that allow respective expertise or evidence.

8.4. The rules contained in these ToU may be complemented by specific rules present in other parts of the Site due to reasons of pertinence and specificity in relation to audiences with individual needs and/or interests.

8.5. Tolerance of Your failure to comply with any duties provided for in these ToU or applicable law does not imply a renewal or waiver by Horiens to the exercise its rights, at any time.

8.6. Enabling Your access to the Site presupposes that You also observe the duties of good faith and observance of morals and good customs recognized on the Internet. In case of violation of any duties mentioned in this section, Horiens may suspend Your access to the Site, at any time, without the need for prior notice.

8.7. The limitation of the scope of guarantees and responsibilities in these ToU represents an essential condition for access by You to the Site and the SERVICES, and Horiens must be considered free of any commitments and obligations if such limitation is, for any reason, disregarded or ignored. In the case of any non-conformity between information and data contained on the Site and those contained in other communications or Horiens systems, the latter will prevail.

8.8. You may not assign or transfer to any third party, in whole or in part, Your rights and obligations under these ToU.

8.9. These Terms of Use were registered in São Paulo’s Second Official Title and Document Registrar, number 3.708.857 on December 20th, 2019.