Privacy Policy

Terms of Use and Privacy Policy

Learn about the Terms of Use and Privacy Policy for accessing and using the electronic.

Individuals

TERMS OF USE

The purpose of these Terms of Use (hereinafter “Terms”) is to regulate, in a general and corporate manner, access to and use of the portals, banking and financial services websites and applications (hereinafter the “Platforms”) made available by Harmakis Investment Group. These Terms are available and can be accessed, at any time, via the following link any time, via thelink http://www.harmakisinvestmentgroup.pt in quick access

“Terms of Use " Accordingly, the User is aware that these. Terms may be amended at any time, except in the event of a legal prohibition to that effect. and should therefore check them periodically. These Terms are supplemented by the Corporate Privacy Policy (availableat http://www.harmakisinvestmentgroup.pt the

Terms and Use Agreements specific to the Platforms used by the User, which must also be read, understood and accepted by the User prior to use.

1. Acceptance and Access

By using any of the Platforms and services provided by Harmakis Investment Group, the User grants his/her consent to all the provisions of these Terms.

If the User does not accept or agree with any of the provisions or any changes made to these Terms, the User must refrain from using the Platforms. The User declares that he/she is solely responsible for all the information made available and entered when accessing the Platforms, being exclusively liable, including to third parties, for any damage or loss arising from incorrect, incomplete or untrue information, incorrect, incomplete or untrue information entered into the Platforms

After registering, the User may use the services Harmakis Investment Group through the Platforms; They may also have access to data and information and, to the extent that they are available, contract products and services provided by Harmakis Investment Group.

2. Access to the Platform

The Platforms can be accessed by registering your registration, account details, login, electronic password, token, biometrics or, in the App, by means of a fingerprint sensor registered by the fingerprint sensor registered by the User on their mobile device in the Touch ID/Fingerprint function (available for some types of device: IOS from iPhone 5s and Android for devices with a biometric sensor).

When the User chooses to access the App using the biometric data stored on their mobile device, Harmakis Investment Group will not have access to such personal data, the biometric information being restricted to the manufacturer of the mobile device, subject to the terms of the Privacy Policy of the latter (manufacturer). Harmakis Investment Group may have access to the biometric data of the collected directly on the App or Platforms. Biometrics may allow access to information available on the Platforms, but will not replace the transactional password and token when financial transactions carried out on the current account, payment account or brokerage account.

The password policy used for authentication on the Platforms must meet at least the following requirements:

a. Contain at least 06 characters;

b. Block after 03 invalid access attempts;

c. Have encryption.

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3. User declarations and prohibitions

By using the Platforms, the User acknowledges:

(i) to be civilly capable and criminally liable, or to be duly represented or assisted under Brazilian law; and Brazilian legislation; and

(ii) that he/she will use the Platforms only for lawful purposes, acknowledging that he/she is exclusively responsible for the use of the Platforms, exempting Harmakis Investment Group from any liability for damages or losses arising from the use of the Platforms andservices offered through it.

Furthermore, the User acknowledges that he/she shall not:

(i) make available through the Platforms any content that is unlawful or contrary to morality and good or capable of violating the rights of third parties, as well as material that incorporates viruses or other harmful elements into the Platforms or that harms the electronic systems of Harmakis Investment Group or other Users

(ii) transmit any content that incites prejudice, racism or any form of any form of discrimination, as well as any erotic content, obscene, defamatory, slanderous or that advocates or constitutes the commission of a crime;

(iii) practicing any illicit acts, such as fraud, and/or violations of legislation in force, including the provisions of Law No. 9.613/98 and Law No. 12.846/13; and

(iv) altering, decoding, decompiling, reverting and/or modifying the Platforms' software of the Platforms, or use any improper or unlawful means to access confidential information of Harmakis Investment Group or any other way that constitutes misuse or improper use of the Platforms in accordance with paragraphs “a” to “g” of item V of this term.

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4. Intellectual Property

The following are the property of the Harmakis Investment Group companies Group:

(a) any software, application or functionality relating to the Platforms;

(b) distinctive signs of which Harmakis Investment Group is the owner or owner or licensee, including, but not limited to, the corporate name “Harmakis Investment Group”and the ‘Harmakis Investment Group’ logos on the Platforms; and

(c) any and all content made available on the Platforms, which may not be Platforms, which may not be used by Users for purposes other than those the Platforms, in any form whatsoever.

The User declares that he/she is aware that it is forbidden to copy, reproduce or any other type of use, for profit or not, of the intellectual property of Harmakis Investment Group.Harmakis Investment Group's intellectual property, with violators being subject to the corresponding civil and criminal criminal sanctions, under the terms of Laws 9.279/96, 9.609/98 and 9.610/98. The User assumes any and all liability, of a civil and/or criminal nature, for the improper use of the criminal, for the improper use of information, texts, graphics, trademarks, patents, domain names, works, images, logos, in short, of any and all any intellectual or industrial property rights existing on the Platforms or owned by Harmakis Investment Group.

5. Security

The User understands that, through the Platforms, it is possible to carry out financial transactions with Harmakis Investment Group. In order to prevent access to and the carrying out of improper transactions or operations through the Platforms, the User the Platforms, the User acknowledges that he/she must adopt the measures considered minimally adequate throughout the duration of the relationship with Harmakis Investment Group. relationship with Harmakis Investment Group, including the following include

a. Users must not share their passwords and credentials with third parties, even if theyaccess credentials to the Platforms, as well as the tokens made available by Harmakis Investment Group to confirm transactions, and this information is for personal and nontransferable use. personal and non-transferable;

b. The Platforms must not be accessed through computers or electronic devices that are in public use or that cannot be trusted;

c. The Platforms must not be accessed through public networks or networks that do not guarantee networks or that do not guarantee security against undue access to the information through them;

d. The devices used to access the Platforms must have updated antivirus and firewall programs;

e. Harmakis Investment Group does not send e-mails containing executable Harmakis Investment Group does not send emails containing executable files as attachments.personal information or login credentials to the Platforms. Platforms, and the User must refrain from replying to any such e-mails. mails in this regard;

f. When creating your password to access the Platforms, do not use information that can be easily discovered by third parties, such as, dates of birth and telephone numbers;

g. If you have any questions about security, please contact Harmakis Investment Group , using the contact information provided in these Terms and on the Platforms.

h. Users must ensure that their computers or electronic electronic devices, the versions of software or functionality made available by Harmakis Investment Group for each and every Platform they use.

i. It is the User's responsibility to keep the system up to date at all times of their computers or electronic devices as provided by their respective manufacturers. The User declares that he/she is aware that the password registered by him/her when using the Platforms is his/her sole responsibility. use of the Platforms is their sole responsibility and must not be shared with third parties. be shared under any circumstances with third parties, so that the User is solely and exclusively responsible for undue access resulting from inadequate or negligent use of their passwords. The User acknowledges that Harmakis Investment Group is not responsible for security breaches resulting exclusively from the User's actions or imprudence, malpractice or negligence on the part of the User and/or the User'sfailure to respect the minimum security precautions indicated in these Terms.

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6. Liability of Harmakis Investment Group shall not be liable to Users for:

(i) any unavailability, errors or failures of the Platforms, as well as any misuse that may be attributed to them by the User, the failure of the system, or any access difficulties

(ii) for errors or inconsistencies in the transmission of data or the quality or availability of the Internet signal;

(iii) the existence of viruses or harmful elements on the Platforms that may cause alterations to its computer systems (software and hardware) or in the electronic documents stored in the computer system, in order to exempt itself from any liability for damages that may arise from any such harmful elements

(iv) any faults and errors arising from services provided by third parties, such as other institutions provided by third parties, such as other financial institutions and companiesinvolved in any financial transactions and other operations;

(v) for damages of any kind arising from the knowledge that unauthorized third parties may have of any of the unauthorized third parties may have of any of the information provided to the Platforms, as a result of to the Platforms, as a result of faults exclusively attributable to the User or third parties, which are beyond the reasonable control of Harmakis Investment Group ;

(vi) direct or indirect damage caused by events of third parties, such as hacker attacks, including malicious software such as viruses, Trojan horses, and others that may, in any way, damage the User's equipment or the User's connection and browsing; and (vii) browsing by the User's browsing of external links contained in the Platforms.

IT IS EXPRESSLY STATED THAT HARMAKIS INVESTMENT GROUP IS UNDER NO OBLIGATION TO CONTROL ALL ACTIONS PERFORMED BY USERS IN THE USE OF THE PLATFORMS AND, CONSEQUENTLY, THE ACTS OF USERS, INCLUDING THOSE OF AN ILLEGAL, IMMORAL OR UNETHICAL NATURE.UNLAWFUL, IMMORAL OR UNETHICAL, THAT MAY BE PERFORMED, USERS SHALL BE PERSONALLY AND EXCLUSIVELY LIABLE AND UNLIMITED LIABILITY FOR ANY THIRD PARTY CLAIMS OR JUDICIAL DEMANDS, AND MUST KEEP SAFRA FREE FROM ANY LIABILITY OR BURDEN IN THIS REGARD.

The User has no right to demand the availability of the Platforms as they see fit, nor may they claim compensation or reparation of damages in the event that the Platforms remain offline, regardless of the reason. down, regardless of the reason.

Harmakis Investment Group does not verify, control, approve or guarantee the adequacy or accuracy of the information or data made available on information or data made available on such links, and is therefore not liable for any loss, damage or injury occurred by visiting such sites, and it is up to the interested party to verify the reliability of the information and data displayed there before making any decision or act.

7. Provision of Access

Harmakis Investment Group may, at its sole and exclusive discretion, and at any time at any time, regardless of any notice or notification to the User or to any third party, in any form or manner whatsoever, suspend, cancel or limit access to the Platforms, or take any other action it deems necessary to comply with these Terms. it deems necessary for compliance with these Terms, without prejudice to other applicable measures, in the event of non-compliance by the User with any legal provision or these Terms. No compensation shall be due to the User as a result of the termination of the access to the Platforms.

8. Contact

Communications and contact by the User to Harmakis Investment Group shall be made through the Harmakis Investment Group Customer Service Center. Harmakis Investment Group Customer Service Center. In turn, notifications and communications by Harmakis Investment Group to the User shall be deemed to be fully effective, for all purposes, when they are made through contact information provided by the User for use of the Platform.

Contact may also be made through the Customer Service (“SAC”). In turn, Harmakis Investment Group, including through third parties contracted, may make telephone calls, send electronic messages to the USER's telephone (home or mobile), e-mail, whatsapp or other means of contact provided.

9. General provisions This legal relationship is exclusively governed by Brazilian law.

Any clause or condition of this instrument which, for any reason, or ineffective by any court or tribunal shall not affect the validity of the other provisions of these Terms. affect the validity of the remaining provisions of these Terms, which shall emain in full force and effect to their fullest extent. maximum extent

The failure of Harmakis Investment Group to enforce any rights or provisions of these Terms shall not constitute a waiver, and you may exercise the legal time limits.

The jurisdiction of the User's place of domicile in Brazil is hereby elected to settle any doubts, questions or disputes arising from these Terms, the parties waive any other, however privileged.