Dolafy Payment Terms of Service

Payment Platform Terms of Use

THIS PARAGRAPH CONTAINS AN IMPORTANT NOTICE. PLEASE READ IT CAREFULLY. SECTION 14 OF THIS DOCUMENT REQUIRES ARBITRATION ON AN INDIVIDUAL BASIS, AND SECTION 15 LIMITS THE TIME PERIOD WITHIN WHICH YOU MAY BRING A CLAIM AGAINST US.

Last Modified: April 2, 2026

1. Acceptance

These Payment Platform Terms of Use are entered into by and between you (acting in your personal capacity or capacity as an employee or other representative of your company or other entity, if applicable) (“you”) and AETERNUM CAPITAL LTDA, doing business as Dolafy, registered under CNPJ 59.983.687/0001-75 (“Dolafy,” “Company,” “we” or “us”). The following terms and conditions, together with any documents they expressly incorporate by reference (collectively, this “Agreement”), govern your access to and use of the Dolafy platform, including the Dolafy dashboard and related services (collectively, the “Platform”).

Dolafy is a financial technology company, not a bank. Banking services, payment processing, and card issuance are provided by regulated financial institutions and third-party partners (“Financial Partners”). By accessing and using the Platform, you acknowledge and agree that Dolafy facilitates cross-border payments, virtual accounts, prepaid cards, and currency exchange services through its Financial Partners.

Dolafy is the principal provider responsible for the coordination and execution of payment transactions initiated through the Platform. By initiating a transaction, you establish a direct relationship with Dolafy, governed by these Terms of Service. Dolafy may rely on Financial Partners for the delivery and processing of payments but remains the principal service provider for the overall transaction.

In jurisdictions where Dolafy does not currently hold required licenses or registrations, the services available to customers may be limited and are provided directly by regulated Financial Partners. In these instances, the user interface and experience are provided by Dolafy, but Dolafy does not directly handle, custody, or process any customer funds. All exchanges, transactions, and related fund flows in these jurisdictions occur directly between customers and regulated Financial Partners.

Any virtual or physical payment card and associated card account (“Dolafy Card”) provided to you in connection with your Dolafy account is governed exclusively by the separate Dolafy Card Terms of Service (“Card Terms”). Dolafy Cards are provided by a regulated Financial Partner (“Issuer”) on behalf of Dolafy. These Issuers are not parties to this Agreement and disclaim any liability regarding the performance of services described herein. Similarly, this Agreement does not govern Dolafy Cards or related card account services, which remain subject exclusively to the Card Terms.

Please read this Agreement carefully before you start to use the Platform. By using the Platform or by clicking to accept or agree to this Agreement, you accept and agree to be bound by this Agreement. If you do not want to agree to this Agreement, you must not access or use the Platform. You acknowledge that this Agreement contains legally binding terms and conditions that affect your legal rights and remedies.

2. Changes to These Terms

We reserve the right to change this Agreement at any time upon notice. We may give notice by posting the updated Agreement on the Platform, by providing notice to the contact information you have provided to us, or by any other reasonable means. You can review the most current version of this Agreement at any time on the Platform. The version of the Agreement in effect at the time of your use of the Platform applies. The updated Agreement is binding on you with respect to your use of the Platform on or after the date indicated in the updated Agreement. If you do not agree to the updated Agreement, you must stop using the Platform. Your continued use of the Platform after the date of the updated Agreement will constitute your acceptance of the updated Agreement.

3. Accessing the Platform

We reserve the right to withdraw or amend the Platform in our sole discretion without notice. We will not be liable if, for any reason, all or any part of the Platform is unavailable at any time. From time to time, we may restrict access to the Platform to certain users. To access the Platform, you may be asked to provide certain registration details or other information. It is a condition of your use of the Platform that all the information you provide on or in connection with the Platform is correct, current, and complete. You hereby consent to all actions we take, consistent with this Agreement, with respect to all information you provide to or in connection with the Platform, including through the use of any interactive features on the Platform (collectively, “User Submissions”). We may disable any username, password, or other identifier at any time, in our sole discretion for any or no reason, including if, in our opinion, you have violated any provision of this Agreement. By accessing or using the Platform, you understand and acknowledge that your personal information may be collected, shared, and otherwise processed by us or other third parties acting on our behalf. We may, at any time and in our sole discretion, refuse any transaction or transfer submitted on the Platform, impose limits on the transaction or transfer amount permitted on the Platform, or impose any other conditions or restrictions upon your use of the Platform without prior notice.

4. Account

You understand and agree that in order to use and access certain portions of the Platform, you must open an account (“Account”). You are responsible for all activities and events relating to your Account. You agree that Dolafy may engage subcontractors and other third parties to perform services in connection with opening your Account and other services under this Agreement. You understand that your Account on the Platform is not a bank, deposit, or custodial account. Dolafy is a financial technology company, not a bank. Banking services are provided by regulated Financial Partners. You acknowledge and understand that Dolafy or third parties acting on our behalf may be responsible for all onboarding procedures (including processes commonly known as “KYC” and “AML”) and execution of Transactions. By accessing or using the Platform, you agree to grant the third-party providers that we may engage with for onboarding procedures and the execution of Transactions, the right, power, and authority to access and transmit your transaction data, activity, and personal information directly from you to us in accordance with and pursuant to their terms and conditions, privacy policy, and/or other policies. We may, at our sole discretion, stop supporting any particular service, payment method, or feature without notice to you.

5. Transactions

You represent and warrant that you have all rights necessary to execute all Transactions involving funds in your Account or virtual account. You represent that no part of your funds is the result of or used to facilitate any criminal or illegal activity. By executing any Transaction on our Platform, you hereby agree to the exchange rates or conversion ratios, and any fees and costs, set forth on our Platform related to such Transactions.

For purposes of this Agreement, “Transactions” include, without limitation: fund transfers (domestic and cross-border), currency exchange and conversion, prepaid card loading, payouts and withdrawals, and deposits into virtual accounts. Once you submit or confirm any Transaction on our Platform, the terms and parameters of such Transaction are final and non-cancellable by you. All Transactions are non-cancellable, non-refundable, and irreversible, except as required by applicable law.

Dolafy may rely on Financial Partners to execute payments and transfers. These Financial Partners are engaged by Dolafy to facilitate transactions but do not establish a direct relationship with the end user. All payment processing is conducted under information collected via the Platform; however, Dolafy remains the principal service provider responsible for the overall transaction.

Financial Partners act independently to facilitate payment transactions and are not owned, controlled, or operated by Dolafy. Any issues arising from payment execution will be resolved in accordance with the terms set by Dolafy, which remains the principal point of contact for dispute resolution.

We shall not be responsible in any manner whatsoever for any fluctuations in exchange rates or conversion ratios between the time you initiate a Transaction and the time it is completed. You acknowledge that currency exchange rates may vary and are subject to market conditions. However, if we suspect fraudulent or malicious activity, any activity that violates this Agreement, or that any Transaction will not be completed successfully (including because of a failure of any third-party system or Financial Partner), we may cancel or reverse any Transaction, to the extent feasible, in our sole discretion.

6. Use of Information Provided by You

You acknowledge, represent, and agree that any User Submission is submitted voluntarily and is not confidential or proprietary, and that your User Submission does not establish a relationship between you and us not otherwise contemplated in this Agreement. You hereby grant Dolafy and its sublicensees a worldwide, royalty-free, non-exclusive, transferable, perpetual, and irrevocable license to use, distribute, transmit, reproduce, modify, publish, translate, publicly perform and display, and create derivative works of your User Submissions, except as otherwise prohibited by applicable law or this Agreement. You waive any right to compensation of any type for your User Submissions. You represent and warrant that you either own all User Submissions or otherwise have all the rights necessary to grant the rights in this Agreement and that use of User Submissions by us does not violate any law.

Without limiting the generality of the foregoing, you acknowledge and agree that all the confidential and proprietary information uploaded by you on our Platform may be shared with one or more third-party service providers for repository and KYC/AML purposes. One or more third-party service providers shall be responsible for your confidential and proprietary information. You acknowledge that we cannot guarantee, nor are we in any way responsible for, the acts or omissions of third parties or the performance of their products or services that may relate or otherwise be relevant to the Platform.

You may not upload to, distribute, or otherwise publish through or in connection with the Platform any content that is libelous, defamatory, obscene, threatening, invasive of privacy or publicity rights, abusive, illegal, or otherwise objectionable, or that may constitute or encourage a criminal offense, violate the rights of any party, or that may otherwise give rise to liability or violate any law.

We shall not be liable for any breach of confidentiality obligations or data breach wherein any confidential information is being shared with any third party. We are subject to various legal and regulatory obligations imposed by the laws and supervisory authorities of various jurisdictions, e.g., anti-money laundering laws, financial services laws, corporation laws, privacy laws, and tax laws. These obligations may require us to process certain personal data for identity verification, payment processing, compliance with court orders, tax laws, or other purposes not disclosed herein. These obligations may arise at various times, including but not limited to client onboarding, payment processing, and systemic checks for risk management. We reserve the right to lock, disable, and/or close accounts as deemed necessary by us in order to comply with any such legal and regulatory obligations now existing or hereinafter imposed.

7. Intellectual Property Rights

The Platform (including all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement of those things), and associated know-how, are owned by Dolafy, its licensors, or other providers and are protected by Brazilian and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws (“Platform IP”). Dolafy retains all right, title, and interest in and to the Platform IP. This Agreement contains no implied licenses. You will not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any part of our Platform without our prior written consent.

8. Permitted Uses

You represent and warrant that (a) you are at least 18 years of age; (b) you have full power and authority to enter into this Agreement; (c) you are not located in, under the control of, or a national or resident of any country subject to sanctions by Brazil, the United Nations, or other applicable international sanctions regimes; (d) you are not identified on any applicable sanctions, embargo, or restricted persons list maintained by any government authority; (e) you will not access the Platform if you have previously been prohibited from doing so or if any laws prohibit you from doing so; and (f) you will comply with all applicable laws and regulations in connection with your use of the Platform.

We do not intend for the Platform to be used by persons or entities in countries or jurisdictions that require us to obtain any additional registration or license. If you are in such a country or jurisdiction, you are not authorized to and agree that you will not use the Platform. For example, utilizing a virtual private network (VPN) or any other geolocation obfuscation tools for the purpose of concealing your country of residence or Platform access constitutes a violation of this Agreement and will be treated as a breach of this Agreement. You may use the Platform only for lawful purposes and in accordance with this Agreement. You understand and accept that we are not liable for any losses or liability relating to your eligibility or ineligibility to access or use our Platform.

9. Prohibited Uses

You agree not to (a) use the Platform in any way that violates any applicable law, including federal, state, local, or international law or regulation; (b) use the Platform for any unauthorized, fraudulent, or malicious purpose; (c) engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Platform, or which, as determined by us, may harm Dolafy or users of the Platform or expose them to liability; (d) use the Platform in any manner that could disable, overburden, damage, or impair the Platform; (e) use any robot, spider, or other automatic device, process, or means to access the Platform for any purpose, including monitoring or copying any of the material on the Platform; (f) access systems, data, or information not intended by us to be made accessible to a user; (g) obtain or attempt to obtain any materials or information through any means not intentionally made available by us; or (h) use the Platform for any use other than the purpose for which it was intended.

For example, you will not use the Platform in connection with money laundering, the financing of terrorism, tax evasion, or any other illegal financial activity. You further understand and agree that we strictly prohibit unfair practices. We reserve the right to restrict your access to our Platform if you perform or we suspect you are in breach of this Agreement, including if you are performing any of the following actions: (1) price manipulation or any other market manipulation; (2) harming the Platform or other users of the Platform; or (3) violating or attempting to violate another user’s legal rights.

We reserve the right to contact and cooperate with relevant legal or regulatory authorities regarding your behavior if we deem that to be necessary in our sole discretion. Additionally, we reserve the right to block certain accounts that we determine to be associated with illegal activity or activity that otherwise violates this Agreement (“Blocked Accounts”). In the event that you send funds to a Blocked Account, or receive funds from a Blocked Account, we may (i) terminate your access to the Platform, including suspending your Account, and/or (ii) freeze such funds. We may also freeze funds or surrender associated currency held in segregated accounts in the event we receive a legal order from a valid government authority requiring Dolafy to do so. You understand and agree that we shall not be liable for any losses that you may incur as a result of any of the aforementioned.

This Platform is exclusively for facilitating cross-border payments, virtual accounts, prepaid cards, currency exchange, and related financial services, and we do not provide any other services apart from those categorically mentioned herein. The content available on the Platform, including but not limited to text, data, audio, images, and other materials, is protected by copyright and other intellectual property laws. You are strictly prohibited from using any content from this Platform for the purpose of training, developing, or improving any machine learning or artificial intelligence models, including but not limited to large language models, without the explicit written permission of Dolafy. Any unauthorized use of content for such purposes is a violation of this Agreement and may result in legal action.

10. Service Fees

During the course of accessing the Platform, you may incur various fees including but not limited to Transaction fees, currency conversion fees, banking fees, card fees, wire transfer fees, and third-party Financial Partner fees. Service fees and transaction fees applicable to payment transactions are collected by Dolafy as the principal service provider. You agree to pay all such fees and, if applicable, in the form of a price spread or markup on exchange rates. There may also be third-party fees, including but not limited to fees related to transfers, card transactions, or other financial operations. You are solely responsible for paying any and all of these fees that may arise.

We reserve the right to charge service fees and Transaction fees for providing our services to you. The service fees may be a flat fee or a percentage of your Transaction amount. From time to time, we may change these fees. The service fees we charge will be displayed prior to you making any Transaction. If any commissions, fees, or costs are not clear to you, you must request clarification of what fees will be applicable before entering into any Transaction. By entering into any Transaction, you hereby accept any such commissions, fees, or costs.

11. Reliance on Information Posted

We do not warrant the accuracy, completeness, or usefulness of any information presented on or through the Platform. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Platform, or by anyone who may be informed of any of its contents.

Nothing on this Platform constitutes (a) advice or a recommendation of any kind (legal, financial, or otherwise), or (b) an indication of results that may be achieved. Please consult with professional advisors in connection with your use of the Platform. The content on this Platform is updated frequently, including based on interaction with users of the Platform, but the Platform’s content is not necessarily complete or up-to-date. Any of the material on the Platform may be out of date at any given time, and we are under no obligation to update such material.

12. Taxes and Accounting

Payment transactions may be subject to various tax laws and regulations in applicable jurisdictions. Please note that the tax treatment of cross-border payments, currency exchange, and related financial services may vary by jurisdiction and may be subject to changes and further development. Tax authorities may reach out to us with queries, notices, requests, or summons that we may be required to respond to, including providing certain information about you or your Account.

It is your responsibility to determine if any taxes apply to the transactions you complete via the Platform, and it is your responsibility to report and remit the correct tax to the appropriate tax authority. You agree that we shall not be responsible for determining whether taxes apply to your transactions or for collecting, reporting, withholding, or remitting any taxes arising from any transactions, except as required by applicable law. If required by applicable law, we may withhold tax from any payments made to you and report such tax to the relevant taxing authority.

13. Disclaimer of Warranties

YOUR USE OF THE PLATFORM IS AT YOUR OWN RISK. THE PLATFORM IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER DOLAFY NOR ANY PERSON ASSOCIATED WITH DOLAFY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE PLATFORM.

WITHOUT LIMITING THE FOREGOING, NEITHER DOLAFY NOR ANYONE ASSOCIATED WITH DOLAFY REPRESENTS OR WARRANTS THAT THE PLATFORM WILL BE ACCURATE, RELIABLE, ERROR-FREE, OR UNINTERRUPTED, THAT DEFECTS WILL BE CORRECTED, THAT OUR PLATFORM OR THE SERVER THAT MAKES IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT THE PLATFORM WILL OTHERWISE MEET YOUR NEEDS OR EXPECTATIONS.

TO THE FULLEST EXTENT PROVIDED BY LAW, DOLAFY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, AND FITNESS FOR PARTICULAR PURPOSE.

YOU ACKNOWLEDGE THAT INFORMATION YOU STORE OR TRANSFER THROUGH OUR PLATFORM MAY BECOME IRRETRIEVABLY LOST OR CORRUPTED OR TEMPORARILY UNAVAILABLE DUE TO A VARIETY OF CAUSES, INCLUDING SOFTWARE FAILURES, INTERNET OUTAGES, FORCE MAJEURE EVENTS OR OTHER DISASTERS INCLUDING THIRD-PARTY CYBER ATTACKS, SCHEDULED OR UNSCHEDULED MAINTENANCE, OR OTHER CAUSES EITHER WITHIN OR OUTSIDE OUR CONTROL. YOU ARE SOLELY RESPONSIBLE FOR BACKING UP AND MAINTAINING DUPLICATE COPIES OF ANY INFORMATION YOU STORE OR TRANSFER THROUGH OUR SERVICES.

YOUR ACCOUNT IS NOT A BANK DEPOSIT ACCOUNT. DOLAFY IS A FINANCIAL TECHNOLOGY COMPANY, NOT A BANK. FUNDS HELD IN CONNECTION WITH YOUR ACCOUNT ARE NOT INSURED BY ANY GOVERNMENT DEPOSIT INSURANCE PROGRAM. BANKING SERVICES ARE PROVIDED BY REGULATED FINANCIAL PARTNERS.

14. Limitation of Liability

TO THE FULLEST EXTENT PROVIDED BY LAW, IN NO EVENT WILL DOLAFY, ITS AFFILIATES, OR THEIR LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS (COLLECTIVELY, “DOLAFY PARTIES”) BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES RELATED TO THIS AGREEMENT OR YOUR USE, OR INABILITY TO USE, THE PLATFORM, ANY WEBSITES LINKED TO IT, OR ANY CONTENT ON THE PLATFORM OR SUCH OTHER WEBSITES, INCLUDING PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, OR LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.

THE AGGREGATE LIABILITY OF THE DOLAFY PARTIES TO YOU FOR ALL CLAIMS AND DAMAGES RELATED TO THIS AGREEMENT OR YOUR USE OR INABILITY TO USE THE PLATFORM, ANY WEBSITES LINKED TO IT, ANY CONTENT OR SERVICES ON OR PROVIDED IN CONNECTION WITH TRANSACTIONS ON THE PLATFORM WILL NOT EXCEED THE GREATER OF THE FEES ACTUALLY PAID BY YOU TO DOLAFY (EXCLUDING ANY TRANSACTION FEES AND SIMILAR FEES IMPOSED BY THIRD PARTIES) DURING THE TWELVE MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM OR R$500 (FIVE HUNDRED BRAZILIAN REAIS).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF SUCH DAMAGES OR LIABILITY. NOTHING IN THIS SECTION WILL BE INTERPRETED AS EXCLUDING LIABILITY THAT CANNOT, UNDER APPLICABLE LAW, BE EXCLUDED.

15. Indemnification

You will defend, indemnify, and hold harmless the Dolafy Parties from and against any third-party claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorney’s fees) arising out of or relating to (a) your violation of this Agreement; (b) your use of the Platform; (c) any User Submission made by you, including with respect to violations of any other party’s rights, such as intellectual property or other proprietary rights, and laws related to privacy or information security; or (d) your violation of any other party’s rights or applicable law.

16. Arbitration and Governing Law

YOU WILL SUBMIT ANY DISPUTES ARISING FROM THIS AGREEMENT OR THE PLATFORM, INCLUDING DISPUTES ARISING FROM OR CONCERNING THEIR INTERPRETATION, VIOLATION, INVALIDITY, NON-PERFORMANCE, OR TERMINATION, TO FINAL AND BINDING ARBITRATION UNDER THE RULES OF THE CENTER FOR ARBITRATION AND MEDIATION OF THE BRAZIL-CANADA CHAMBER OF COMMERCE (CAM-CCBC), APPLYING BRAZILIAN LAW. THE SEAT OR LEGAL PLACE OF ARBITRATION WILL BE SÃO PAULO, STATE OF SÃO PAULO, BRAZIL.

YOU AGREE TO ARBITRATE IN YOUR INDIVIDUAL CAPACITY ONLY — NOT AS A REPRESENTATIVE OR MEMBER OF A CLASS — AND YOU EXPRESSLY WAIVE ANY RIGHT TO FILE A CLASS ACTION OR SEEK RELIEF ON A CLASS-ACTION BASIS. FURTHERMORE, UNLESS YOU AND DOLAFY AGREE IN WRITING, THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS, AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING.

ALL ARBITRATION PROCEEDINGS ARE CONFIDENTIAL. ARBITRATION ORDERS AND AWARDS REQUIRED TO BE FILED WITH APPLICABLE COURTS OF COMPETENT JURISDICTION ARE NOT CONFIDENTIAL AND MAY BE DISCLOSED BY THE PARTIES TO SUCH COURTS. A PARTY WHO IMPROPERLY DISCLOSES CONFIDENTIAL INFORMATION WILL BE SUBJECT TO SANCTIONS. THE ARBITRATOR AND FORUM MAY DISCLOSE CASE FILINGS, CASE DISPOSITIONS, AND OTHER CASE INFORMATION AS REQUIRED BY A COURT ORDER OF PROPER JURISDICTION.

This Agreement will be governed by and construed in accordance with the laws of the Federative Republic of Brazil, without giving effect to its conflict of laws provisions.

17. Limitation on Time to File Claims

ANY CAUSE OF ACTION OR CLAIM YOU MAY HAVE ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE PLATFORM MUST BE COMMENCED WITHIN ONE YEAR AFTER THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION OR CLAIM IS PERMANENTLY BARRED.

18. Suspension; Termination

In the event of any force majeure event, breach of this Agreement by you, or any other event that would make provision of the services commercially unreasonable, we may, in our discretion and without liability to you, with or without prior notice, suspend your access to all or a portion of our Platform. We may terminate your access to the Platform in our sole discretion, immediately and without prior notice, and delete or deactivate your Account and all related information and files in such Account without liability to you, including, for instance, in the event that you breach any of the terms in this Agreement. In the event of termination, we may, in our sole discretion and without liability to you, with or without prior notice and at any time, modify or discontinue, temporarily or permanently, any portion of the Platform.

Upon termination, any pending Transactions may be cancelled or completed at Dolafy’s sole discretion. You acknowledge that Dolafy is not liable for any losses arising from the termination of your access to the Platform or the cancellation of pending Transactions in accordance with this section.

19. Service Disruptions

You understand and agree that we shall not be liable for any losses if any systems malfunction, or if you are unable to use the Platform or cannot perform Transactions due to external circumstances, such as (a) any service being suspended, discontinued, or terminated by a Financial Partner; (b) any service suspension due to maintenance; (c) any system failure to transmit data; (d) force majeure event(s) that lead to the suspension of any services; (e) any service interruption or delay arising from hacking, computer viruses, technical adjustments or failure, banking system outages, temporary closures arising from legal or government regulations; (f) any service interruption or delay caused by computer systems being damaged, defective, or unable to normally perform; (g) technical problems that cannot be predicted or solved by existing technology in the industry; (h) the fault or delay of any third party, including Financial Partners; or (i) changes in laws, regulations, or government orders. You understand and agree that the aforementioned reasons may lead to abnormal Transactions or service interruptions. We may refuse to execute your instructions in connection with any such events. You understand and agree that we shall not be liable for any losses arising from or related to any of the aforementioned circumstances.

20. Links from the Platform

If the Platform contains links to other sites or resources provided by third parties, these links are provided for your convenience only. We have no control over the contents of those sites or resources and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you access any such third-party sites or resources, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

21. General

If any provision of this Agreement is held by a court of competent jurisdiction or arbitrator to be illegal, invalid, or unenforceable, the remaining provisions will remain in full force and effect. You and Dolafy intend that the provisions of this Agreement be enforced to the fullest extent permitted by applicable law. Accordingly, you and Dolafy agree that if any provision is deemed unenforceable, where possible, it will be modified to the extent necessary to make it enforceable, which may include its deletion.

Dolafy may assign this Agreement, in whole or in part, at any time with or without notice to you. You may not assign this Agreement or assign, transfer, or sublicense your rights, if any, to access or use the Platform or its content, and any attempt by you to do so is void. Dolafy’s failure to act with respect to a breach by you or others does not waive its right to act with respect to subsequent or similar breaches. A waiver will only be binding on Dolafy if it is in a written document signed by Dolafy.

This Agreement (including any incorporated terms) constitutes the entire agreement between you and Dolafy with respect to the Platform and its contents. Both you and Dolafy warrant to each other that, in entering into this Agreement, neither Dolafy nor you have relied on or will have any right or remedy based upon any statement, representation, warranty, or assurance other than those expressly stated in this Agreement. The preceding sentence will not limit or exclude any liability that cannot be limited or excluded under applicable law.

No one other than you and Dolafy, or Dolafy’s successors and assigns, will have any right to enforce any of this Agreement. Neither this Agreement nor the Platform create a partnership, joint venture, employment, or other agency relationship between us. You may not enter into any contract on our behalf or bind us in any way.

22. Contact

If you have questions about this Agreement or your use of the Platform, please contact us at:

AETERNUM CAPITAL LTDA (d/b/a Dolafy) CNPJ: 59.983.687/0001-75 Email: support@dolafy.com Website: dolafy.com

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