Terms and conditions of use

General Terms and Conditions of Website/Platform Use | BHub

Hi! BHUB SERVIÇOS E TECNOLOGIA LTDA. (“TECNOLOGIA”), headquartered at Rua Cardeal Arcoverde, nº 2365, 3º andar, Pinheiros, CEP (Zip Code) 05407-003, registered with CNPJ (Corporate Taxpayer Registration) under No. 42.330.545/0001-06, as well as the other companies of BHub group (“BHUB” or “Group”) would like to welcome you!

Thank you for visiting our pages! However, before you start your journey on our websites/applications/platforms, experiencing all the best they have to offer, especially our products (“Products”) and services (“Services”), please read these General Terms and Conditions (“General Terms”) carefully, as well as the other Terms and Conditions of Use relating to specific BHUB platforms (“Specific Terms”).

The main purpose of these General Terms is to regulate the general conditions of access and use of our websites/applications/platforms, providing clarification, mainly, on the features, functionalities, Services, and Products offered by BHUB in its environments. These General Terms apply to all users who use our tools.

We thank you for your visit and wish you an unforgettable journey in our virtual environments!

IMPORTANT!

BHUB hereby clarifies that, by accessing and/or using any features, functionalities, Services, Products, and/or benefits of its websites/applications/platforms, the user is hereby legally and formally bound by these General Terms, the Privacy and Personal Data Protection Policy (“Privacy Policy”), the Cookies Policy (“Cookies Policy”), any Specific Terms and other regulations governing the BHUB’s activities, in particular, its Service provision, and the supply of its Products (“Acceptance”).

What does that mean?

Acceptance means that users declare and attest to their full and complete awareness of how their interaction with BHUB shall take place, including concerning the processing of personal data, when using the features, functionalities, Services, Products, and other benefits offered by BHUB on its websites/applications/platforms.

ATTENTION!

If you do not agree with these General Terms and/or the other terms, policies, and regulations of BHUB, please immediately stop using our websites/applications/platforms, registering in our environments, consuming any Products and Services offered, and/or otherwise providing any information to BHUB.

Please be aware that if you do not agree to our General Terms, Privacy Policy, Cookies Policy, or any Specific Terms and/or other regulations governing the activities of this company, such activities, including the supply of our Products and the provision of our Services, may not take place.

Although our joint journey cannot continue if the above documents are rejected, your opinion is extremely important to us! Therefore, we kindly ask you to let us know why you disagree so that we can continuously improve our activities.

We at BHUB hereby inform you that we make every reasonable effort, according to current technology, to ensure the security of our websites/applications/platforms, in short, our systems in general, in the interests of privacy and the protection of the data and information we process, in particular personal data.

Information on access, security, browsing, data processing, and cookies of third parties/partners may be found in their respective policies, terms, and/or regulations, and it is the sole liability of each party to adopt measures according to current legislation, in particular Law No. 13.709/2018 (“General Data Protection Law” or “LGPD”), for the protection of privacy and any data relating to identified or identifiable individuals. Under no circumstances is BHUB liable for the policies, terms, and/or regulations of third-party/partner websites/applications/platforms, nor for the processing of data carried out by them.

We would also like to clarify that these General Terms are mainly based on BHUB’s Privacy Policy https://bhub.com/politica-de-privacidade, which in turn incorporates provisions of the LGPD, available at the following link: LGPD.

WHAT SERVICES/PRODUCTS DO WE OFFER ON OUR WEBSITES/APPLICATIONS/PLATFORMS?

Without prejudice to the other provisions of these General Terms, our websites/applications/platforms are intended to offer our Services and Products, available mainly at the following link: https://bhub.com/, as well as allowing the user to access information and content related to BHUB, such as: services, products, news and various announcements, campaigns, career, blog, events, advertisements, launching of new services and/or products related to back office (“BACK OFFICE”).

That said, users of our environments declare full and complete knowledge that they may, subject to the applicable legislation in force, in particular the LGPD, and other provisions contained in the policies and regulations of the BHUB and/or the competent authorities:

(i) receive, via e-mail and/or telephone/WhatsApp, information that has been requested on our websites/applications/platforms, as well as news, offers of products and services, announcements of campaigns and possible selection processes, launching of new BHUB services and/or products, and other related information;

(ii) receive calls and/or direct messages from BHUB employees to answer questions, carry out surveys, and/or provide information on products, services, campaigns, news, updates, events, and other related matters;

(iii) receive, via e-mail and/or telephone/WhatsApp, advertising, according to interests and preferences, including in a customized manner;

(iv) have contact with links from third parties/partners while browsing our sites/applications/platforms, related to topics of interest.

Notwithstanding the above, it is possible to unsubscribe from receiving advertising messages at any time. For more information on this, please visit our Privacy Policy.

WHO MANAGES OUR WEBSITES/APPLICATIONS/PLATFORMS?

Our websites/applications/platforms, as well as the Products, Services, and activities that we offer/perform through them, are administered/managed by BHUB, which may, from time to time, grant such powers and rights to third parties/partners, pursuant to the law and in accordance with the agreements signed between BHUB and the respective third parties/partners.

BHUB reserves the right to include, delete, or change the contents, features, and functionalities of its websites/applications/platforms, as well as to temporarily suspend them at any time, regardless of prior notice. Likewise, it may change these General Terms, as well as its other terms, policies, and regulations, the most recent versions of which shall always be available on our tools for consultation.

By continuing to access, use, or otherwise interact with our websites/applications/platforms after the publication of the aforementioned changes, users attest to their full and complete awareness of how they will interact with BHUB as of the update in question. If you do not agree with the new General Terms, policies, and/or regulations, please stop using our website/application/platform immediately and do not register on our tools, consume any Products and/or Services offered, and/or otherwise provide any information to BHUB.

INITIAL REGISTRATION, ACCESS AND USE OF OUR WEBSITES/APPLICATIONS/PLATFORMS

Our websites/applications/platforms are only intended for people over the age of 18. Anyone who does not fit this classification shall be automatically banned from our platform.

By accessing, using or otherwise interacting with our websites/applications/platforms, the user declares to comply with the above conditions. If you are accessing, using or otherwise interacting with our environments on behalf of any organization, you hereby declare that you have all the legal powers to bind said organization to these General Terms, to the Privacy Policy, as well as to the other terms, policies, and regulations of BHUB.

3.1. Registration

Registration on our websites/applications/platforms is always optional. However, in order to take advantage of all the Products, Services, benefits, and/or other facilities offered by BHUB, it is essential to register.

For registration purposes, BHUB generally collects the following personal data: name/surname, e-mail address, and telephone number. BHUB may, at any time, at its sole and exclusive discretion, request the updating and/or provision of data to complete the registration.

The information provided at the time of registration must be true, complete, and kept up to date. Under no circumstances shall BHUB be liable for any result and/or damage arising from the falsity of the information provided and/or its failure to be updated. BHUB may, at any time, at its sole and exclusive discretion, request the updating and/or provision of data to complete the registration

Users are liable for the secrecy and confidentiality of all data they provide to BHUB, as well as for the actions and/or omissions carried out in our environments.

3.2. Use of our websites/applications/platforms

It is hereby declared and acknowledged that any and all actions or omissions during the use of our websites/applications/platforms shall be the user’s sole and full liability, and BHUB, its affiliates, and/or subsidiaries shall be held harmless from any claims and/or liabilities arising therefrom, as well as indemnified for any losses, damages and/or expenses incurred, including, but not limited to, attorneys’ fees and court costs, which they may suffer as a result of such actions or omissions.

Users are solely and exclusively liable for the means they use to access BHUB’s sites/applications/platforms, including but not limited to devices, internet providers, and/or browsers, and therefore exclusively assume the risk of any possible breach of privacy and/or security arising from such means.

Users declare and attest to full and complete knowledge that, due to the nature and purposes for which BHUB’s websites/applications/platforms are intended, BHUB may collect, access, process, store, reproduce, share, delete, in short, process personal data (“Processing”), under the LGPD, in particular art. 5, item X, in accordance with these General Terms, its Privacy Policy and its other terms, policies and regulations, subject to the applicable legislation and legal bases in force.

We also clarify that the Processing extends to all the Group’s companies, which may even be located and/or headquartered outside Brazil.

WHAT INFORMATION/DATA DO WE COLLECT ON OUR WEBSITES/APPLICATIONS/PLATFORMS?

BHUB respects the rights to personality and privacy and hereby undertakes to use the data/information made available on its websites/applications/platforms as described in these General Terms, the Privacy Policy, the Specific Terms, the Cookies Policy, other BHUB regulations and in accordance with current legislation, in particular the LGPD.

Considering the nature and purpose of BHUB’s websites/applications/platforms, the following personal data shall generally be collected through these channels:

Registration information (“Registration Information”): name/surname, e-mail address, and telephone number.

Browsing/device information on our websites/applications (“Browsing/Device Information”): IP address, geographical location, reference source, type of browser, duration/frequency of visits, and pages visited. This information is usually obtained through cookies installed in your browser. For more information, please visit our Cookies Policy.

Without prejudice to the above, other personal data may also be collected, in accordance with the Specific Terms and other policies, terms, and regulations of BHUB, subject to the applicable legislation and legal bases in force. So be sure to check them out!

Registration Information, Browsing/Device Information, and/or other data collected and used by BHUB may be kept and stored by BHUB in the following cases: (i) for as long as the registration and/or account remain active; and (ii) for as long as necessary: (ii.i) for the purposes of the Products and Services, (ii.ii) for the resolution of any dispute or litigation, (ii.iii) by judicial determination and/or by an entity with jurisdiction over the activities of BHUB; (ii.iv) to comply with a specific legal provision, under the applicable legislation in force; (ii.v) for as long as they are necessary to maintain the legitimate interests of BHUB, under the law.

PURPOSE AND USE OF DATA/INFORMATION

The data/information referred to in item 4 of these General Terms may be processed by BHUB for the following purposes, subject to the applicable legislation and legal bases in force:

(i) Service Provision and/or supply of Products, as well as for the launch of new Products and Services, campaigns, and selection processes, among other activities carried out by BHUB;

(ii) Sending information requested on our websites/applications/platforms;

(iii) Sending news, Products and Services offers, announcements, and/or other information, always related to topics of interest to the registered users;

(iv) Carrying out surveys, disclosing events, and other matters that may be of interest to the registered user;

(v) Advertising according to the interests and preferences of the registered users, as well as for the customization of the Services and Products in order to adapt them to such interests and preferences;

(vi) Customer support, service and/or related services.

Once again, we would like to point out that, despite the provisions of the previous sections, you can unsubscribe from receiving advertising messages at any time. For more information on canceling your registration and/or changing/deleting your personal data, please visit our Privacy Policy.

We also point out that BHUB may share personal data processed with companies located in other countries, such as Google, Microsoft, and/or Amazon, mainly for cloud storage, as stated in its Policy.

BHUB hereby informs that, in the event of an international data transfer, this shall take place according to the security measures necessary to ensure confidentiality, integrity, and availability of the personal data transferred, in compliance with the applicable legislation in force, in particular the LGPD.

ACCESS AND USE OF DATA/INFORMATION BY THIRD PARTIES/PARTNERS

The data/information referred to in item 4 of these General Terms may also be processed by third parties/partners duly authorized by BHUB, located or with a registered office in Brazil or abroad, for the purposes set out in item 5 above.

For technical and operational reasons, the data/information referred to in item 4 of these General Terms may also be stored or operated in facilities, datacenters and servers owned by third parties/business partners of BHUB, located or with registered office in Brazil or abroad.

We hereby clarify that the aforementioned third parties/business partners, service providers, are subject to the rules, obligations and duties of confidentiality, secrecy and protection of the privacy of the information and personal data processed, consistent with the provisions of these General Terms, the Privacy Policy, other BHUB terms, policies and regulations and current applicable legislation, in particular the LGPD, without prejudice to any other applicable legislation, due to their location.

THIRD-PARTY LINKS

In order to improve your browsing experience on our websites/applications/platforms, these may contain links referring you to third-party websites, systems, applications, services and products. The indication of these links does not constitute an endorsement or sponsorship of the services and/or products of these third parties. Under no circumstances is BHUB liable for the policies, terms, and/or regulations of the websites/applications/platforms of these third parties, nor for the processing of data carried out by them and/or for any errors, faults, irregularities, or defects in the provision of their services and/or supply of their products. We therefore recommend that you carefully read the privacy policies, terms and conditions of use, and other regulations of these third parties.

Any complaints or doubts about the services and/or products of third parties, used and/or acquired by the user through links published on our websites/applications/platforms, should be directed to the respective third parties’ sectors/services.

INTELLECTUAL PROPERTY RIGHTS:

Any and all techniques, ideas, concepts, methods, processes, software, utilities, data, documents, directories, designs, user interfaces, know-how, graphics, images, photographs, logos, slogans, sounds, trademarks, texts, statements, drawings, including domain names, user interfaces and color combinations used, incorporated and contained in our websites/applications/platforms constitute the sole and exclusive intellectual property of BHUB or are duly authorized and licensed by third parties/partners. The use, reproduction, distribution, or display, in whole or in part, of any intellectual property of BHUB by the user or by any third party is not permitted or authorized without their prior, express and written consent.

Any content, features, functionalities, and tools made available on our websites/applications/platforms are the property of BHUB and/or, where applicable, of third parties/partners, under the terms of any agreements signed between BHUB and the respective third party/partners, being understood that: (i) under no circumstances may such ownership be claimed by the user of our sites/applications; and (ii) if said content, features, functionalities, and tools are the property of third parties/partners, BHUB shall obtain the necessary rights, authorizations and licenses.

The user hereby undertakes not to carry out any of the activities listed below and, in the event of a breach, must fully indemnify BHUB, its affiliates, and/or subsidiaries for any and all damage caused, regardless of its nature, without prejudice to the applicable legal sanctions:

to copy, store, modify, prepare works, distribute, license, sell, transfer, publicly display, publicly perform, transmit, or exploit any software that is part of our websites/applications/platforms as well as any content owned by us, except to the extent expressly permitted by BHUB, due to the use of the features, functionalities, services, products, and/or other benefits made available by BHUB;

attempt to expose the source code or attempt to recreate any software that is part of our websites/applications/platforms;

use software, devices, scripts, manual or automated robots, or any other means or process to access or track any web pages or other services contained on our websites/applications/platforms;

violate the rights of any person or entity, including, without limitation, their intellectual property, privacy, publicity, and/or contractual rights;

attempt to probe, scan, or test the vulnerability of any BHUB system or network or breach any security or authentication measures;

avoid, ignore, remove, disable, impair, decrypt, or circumvent any technological measure implemented by BHUB, any of its suppliers, or any other third party to protect its websites/applications/platforms;

forge any TCP/IP packet elements or any parts of such elements in any e-mail posting or newsgroup, or in any way use our websites/applications/platforms, including the Entrepreneur Hub, and/or the features, functionalities, services, products, and/or other benefits made available by BHUB to submit altered, misleading or false source identifying information;

attempt to decipher, decompile, disassemble, or reverse engineer any software used by BHUB for the supply of its products and/or the provision of its services;

advocate, encourage, or assist any third party to do any of the above;

use BHUB’s websites/applications/platforms for any activities not provided for herein and in BHUB’s other terms, policies, and regulations.

If there is evidence of any of the above activities, BHUB may, at its sole and exclusive discretion, suspend or close the account of the subversive user, being understood that any suspension or termination of the user’s account, under the terms indicated above, shall not exempt the user from any of their obligations.

DATA SECURITY POLICY, INFORMATION AND COMMUNICATIONS

BHUB always seeks to use adequate and appropriate processes, techniques, mechanisms, and prevention procedures, in accordance with current technology, to ensure proper protection against any security incidents, occurrences, or suspicions of unauthorized access, use, changes, appropriation, and/or destruction by third parties, which may compromise or threaten the integrity, confidentiality, authenticity, and/or availability of the information/data collected by us.

We make every effort, in accordance with current technology, to protect the personal data of users of our websites/applications/platforms against loss, unauthorized use, and/or other types of abuse. For this reason, not only do we store the data/information we collect in a secure operating environment, inaccessible to the general public, but we may also make anonymous or encrypt them for reasons of relevance, provided that this does not make it impossible for BHUB to use them in the supply of its Products and/or in the provision of its Services.

BHUB, at its sole and exclusive discretion, may ban from its environments users who attempt to damage or tamper with its websites/applications/platforms and/or its security mechanisms, whether through the use of viruses, cancellation bots, Trojan horses, harmful code, denial of service attacks, packet or IP falsification, forged routing or the use of any other method/technology capable of causing damage and/or tampering with BHUB’s environments. Any attempt to do so constitutes a violation of civil and criminal law, and the user must fully indemnify BHUB for any and all damage caused, regardless of its nature, without prejudice to other applicable legal sanctions.

Information on security mechanisms adopted by third parties or by our business partners can be found in their respective policies, terms, and/or regulations, and it is the sole responsibility of each party to adopt measures in accordance with current legislation, in particular the LGPD, for the protection of privacy and any data relating to identified or identifiable natural persons.

CANCELING REGISTRATION OR CHANGING/DELETING DATA/INFORMATION

The information and personal data that we process may be reviewed, changed, and/or updated at any time by the registered user, who may even delete certain data and information, subject to the provisions of these Terms and Conditions of Use, the Policy, as well as BHUB’s other policies, regulations, and contractual relationships, in compliance with the applicable legislation in force, in particular the LGPD.

Personal data shall be securely deleted/made anonymous if: (i) it is not being actively used; (ii) we have no legal obligation to retain it (e.g. for tax purposes); (iii) BHUB is not permitted to keep it for legal and/or compliance reasons; and/or (iv) it is not supported by BHUB’s legitimate interest.

Inaccurate or outdated personal data shall be destroyed or deleted as soon as possible unless it is required to be kept due to a legal obligation to retain it for a certain period and/or the regular exercise of rights.

CONTACT FOR CLARIFICATIONS, QUESTIONS AND EXERCISE OF RIGHTS

Still have questions? Relax! BHUB allows you to ask questions at any time through the channel privacidade@bhub.ai. If BHUB acts as Controller of the processing of personal data, pursuant to the Policy, it shall also be available for the holder of said data to exercise directly, through its channel, the rights provided for in the LGPD, in particular in its art. 18. If this is not the case and BHUB acts as an Operator pursuant to the Privacy Policy, please directly contact the Controller of your personal data processing to exercise these rights.

VERSIONS OF THESE TERMS

These Terms and Conditions of Use may be revised and updated from time to time by BHUB. Any and all revisions and updates shall only be valid and enter into force at the time of their publication on our websites/applications. Don’t worry! You shall be informed of relevant revisions/updates.

APPLICABLE LAW AND JURISDICTION

This document is governed by the laws of the Federative Republic of Brazil.

The Judicial District of State of São Paulo, of the State of São Paulo, is hereby elected as competent to settle any questions arising from this document, with express waiver of any other, however privileged.

These Terms and Conditions of Use were last modified on December 12, 2022.

Terms and Conditions of Use Entrepreneur Hub

Hi! BHUB SERVIÇOS E TECNOLOGIA LTDA. (“TECNOLOGIA”), headquartered at Rua Cardeal Arcoverde, nº 2365, 3º andar, Pinheiros, CEP (Zip Code) 05407-003, registered with CNPJ (Corporate Taxpayer Registration) under No. 42.330.545/0001-06, as well as the other companies of BHub group (“BHUB” or “Group”) would like to welcome you!

Thank you for visiting our pages! Before starting your journey on the Entrepreneur Hub platform (“Platform” or “Entrepreneur Hub”), please read these Entrepreneur Hub Terms and Conditions of Use (“Hub Terms”) carefully, as well as the other terms and policies of BHUB, in particular the Privacy and Personal Data Protection Policy (“Privacy Policy”), the General Terms and Conditions (“General Terms”), the Cookie Policy (“Cookies Policy”), and the other regulations governing BHUB’s activities.

The main purpose of the Hub Terms is to regulate the conditions of access to and use of the Entrepreneur Hub, clarifying the features, functionalities, services, products, and/or benefits offered on the Platform, such as, for example, the provision of financial indexes capable of enabling you to better manage your business.

We thank you for your visit and wish you an unforgettable journey in our virtual environments!

IMPORTANT!

BHUB hereby clarifies that, by accessing and/or using any features, functionalities, services, products, and/or benefits of the Entrepreneur Hub, the user is hereby formally bound by these Hub Terms, the Privacy Policy, the General Terms, the Cookies Policy and the other regulations governing the activities of BHUB, in particular the provision of its services and the supply of its products (“Acceptance”).

What does that mean?

Acceptance means that users declare and attest to their full and complete awareness of how their interaction with BHUB shall take place, including concerning the processing of personal data, when using the features, functionalities services, products, and/or other benefits offered on the Entrepreneur Hub.

ATTENTION!

If you do not agree with these Hub Terms and/or the other terms, policies, and regulations of BHUB, please immediately stop using the website, application, and/or Platform, not registering in said environments, not consuming any feature, functionality, service, product or other benefits offered and/or otherwise providing any information to BHUB.

Please be aware that if you do not agree to these Hub Terms, our Privacy Policy, General Terms, Cookies Policy, and/or the other regulations governing the activities of this company, the features, functionalities, services, products, and/or other benefits of the Entrepreneur Hub may not be provided to you.

Although our joint journey cannot continue if the documents above are rejected, your opinion is extremely important to us! Therefore, we kindly ask you to let us know why you disagree so that we can continuously improve our activities.

We at BHUB hereby inform you that we make every reasonable effort, according to current technology, to ensure the security of our websites/applications/platforms, including the Entrepreneur Hub, in the interests of privacy and the protection of the data and information we process, in particular personal data.

We also clarify that these Hub Terms are mainly based on the BHUB’s Privacy Policy <https://bhub.com/politica-de-privacidade/> and General Terms <https://bhub.com/termos-e-condicoes-de-uso/>.

WHAT FEATURES/FUNCTIONALITIES DO WE OFFER IN OUR ENTREPRENEUR HUB?

Through the Entrepreneur Hub, users have free access to financial indicators which, based on data automatically extracted from their bank account(s), allow them to gain greater visibility of their business, as well as greater financial control and more transparent and efficient business management.

By integrating the user’s company bank account(s) with the Entrepreneur Hub, BHub can provide them with financial indexes that automatically indicate, in a graphical, categorized, analytical and up-to-date way, among other information, history, inflows, outflows, and cashburn, enabling a quick analysis on the main transactions and the financial health of your business in real-time.

Without prejudice to the other provisions of these Hub Terms, our Entrepreneur Hub is also intended to allow the user to access information and content related to BHUB, including from third parties/partners, such as: services, products, news, and various announcements related mainly to the back office.

That said, users of Entrepreneur Hub declare full and complete knowledge that they may, subject to the applicable legislation in force, in particular the LGPD, and other provisions contained in the policies and regulations of the BHUB and/or the competent authorities:

(i) receive, via e-mail and/or telephone/WhatsApp, information that has been requested on our websites/applications/platforms, as well as news, offers, and announcements of BHUB products and services, and other related information;

(ii) receive calls and/or direct messages from BHUB employees to answer questions, carry out surveys, and/or provide information on products, services, events, and other related matters;

(iii) receive, via e-mail and/or telephone/WhatsApp, advertising, according to interests and preferences, including in a customized manner;

(iv) have contact with links from third parties/partners while browsing our sites/applications/platforms, related to topics of interest.

Notwithstanding the above, it is possible to unsubscribe from receiving advertising messages at any time. For more information on this, please visit our Privacy Policy.

WHO RUNS THE ENTREPRENEUR HUB?

The Entrepreneur Hub, as well as the features, functionalities, services, products, and/or benefits offered on the Platform, are managed by BHUB, which may grant such powers and rights to third parties/partners, under the law and the agreements signed between BHUB and the respective third parties/partners.

BHUB reserves the right to include, delete, or change the contents, features, and functionalities of the Entrepreneur Hub, as well as to temporarily suspend it at any time, regardless of prior notice. Likewise, you may modify these Hub Terms, the latest version of which shall always be available on our tools for consultation.

INITIAL REGISTRATION, ACCESS AND USE OF THE ENTREPRENEUR HUB

Access to and use of our websites/applications/platforms, including the Entrepreneur Hub, is restricted to persons over the age of 18. Anyone who does not fit this classification shall be automatically banned from our platform.

By accessing, using or otherwise interacting with our websites/applications/platforms, including the Entrepreneur Hub, the user declares to comply with the above conditions. If you are accessing, using or otherwise interacting with our environments on behalf of any organization, you hereby declare that you have all the legal powers to bind said organization to these Hub Terms, to the Privacy Policy, as well as to the other terms, policies, and regulations of BHUB.

3.1. Registration

Registration on our websites/applications/platforms is always optional. However, in order to take advantage of all the features, functionalities, services, products, and/or other benefits offered by BHUB, including those of the Entrepreneur Hub, it is essential to register.

To register on the Entrepreneur Hub, BHUB collects personal data (name/surname, e-mail, telephone/WhatsApp), as well as business data (company name, CNPJ, and bank).

In order to access the Entrepreneur Hub, the user must also create a login and password, as well as carry out the procedures referred to in item 3.2 hereof.

Users are liable for the secrecy and confidentiality of all data they provide to BHUB, as well as for the actions and/or omissions carried out in our environments, including regarding the use of login and password. So don’t share them with third parties. Sharing them with third parties is an express breach of these Hub Terms and other BHUB policies, terms, and regulations, and may compromise the security of both the data and our environments. If the user identifies or suspects that a third party has gained access to their login/password, they must immediately change it in our systems or request assistance to do so through the channels indicated in these Hub Terms.

If BHUB finds, through testing, that the user’s credentials (login/password) have been compromised (made accessible by third parties), for security reasons and in order to prevent inappropriate access to the user’s account and data, BHUB may preventively suspend said credentials. BHUB may also, at its sole and exclusive discretion, prevent the creation of new registrations or cancel those already made if it detects any adversity capable of compromising its environments and/or other users.

3.2. Use of our websites/applications/platforms

It is hereby declared and acknowledged that any and all actions or omissions during the use of our websites/applications/platforms, including the Entrepreneur Hub shall be the user’s sole and full liability, and BHUB, its affiliates, and/or subsidiaries shall be held harmless from any claims and/or liabilities arising therefrom, as well as indemnified for any losses, damages and/or expenses incurred, including, but not limited to, attorneys’ fees and court costs, which they may suffer as a result of such actions or omissions.

3.2.1. Connecting the user’s bank account(s) to the Entrepreneur Hub

In order to take advantage of the features and functionalities made available by the Entrepreneur Hub, users must authorize BHUB to connect to the bank accounts indicated by them and thus access/process the financial data associated with it, in accordance with these Hub Terms and other BHUB policies, terms and regulations, subject to the applicable legislation in force.

Users declare full and complete knowledge that, to connect the aforementioned bank account(s) to the Entrepreneur Hub, BHUB shall rely on the assistance of the partner Belvo., whose policies and terms of use can be accessed via the following link: Policies and Terms of Use

In order to connect the bank accounts indicated by the user to the Entrepreneur Hub, the user must:

expressly authorize BHUB to connect to said accounts, access the financial data associated with it and carry out

any periodic synchronizations;

expressly authorize Belvo. to carry out the integration between the bank accounts and the Entrepreneur Hub, via API, providing BHUB with access to the financial data associated with said accounts;

fill in certain fields for integrating said bank accounts and the Entrepreneur Hub, providing bank details such as: bank, branch, account, login, and/or password.

Users also declare that they are fully aware that they may revoke, at any time, the authorization referred to in the above items, and it is certain that, upon revocation, the Entrepreneur Hub, as well as its features, functionalities, services, products, and/or other benefits shall be unavailable to the user. In order to access and use the Entrepreneur Hub again, the user must authorize a new connection to their bank account, under the terms set out herein.

3.2.2. User’s declarations

Users declare and attest that they are fully and completely aware that:

Access to the features, functionalities, services, products, and/or other benefits of the Entrepreneur Hub necessarily depends on the processes provided for in these Hub Terms, in particular, the processes referred to in item 3, according to this instrument, as well as the other terms, policies, and regulations of BHUB;

They shall keep their IDs, passwords, and/or other access codes relating to the API confidential and protected from all unauthorized persons, in accordance with good information security and privacy practices, and in accordance with the provisions set forth in these Hub Terms and BHUB’s other terms, policies and regulations;

BHUB does not carry out any transactions on the bank accounts integrated into the Entrepreneur Hub, nor does it interfere in any way with its assets or liabilities, access to which is restricted to the reading and processing of data, in accordance with this instrument and BHUB’s other terms, policies, and regulations;

Due to the nature and purposes for which the Entrepreneur Hub is intended, BHUB may access, collect, process, store, update, share, dispose of, in short, process personal data (“Processing”), under the LGPD, in particular art. 5, item X, in accordance with these Hub Terms, as well as the other terms, policies and regulations of BHUB, in particular the Privacy Policy, subject to the applicable legislation and legal bases in force. The Processing extends to all the Group’s companies, which may even be located and/or headquartered outside Brazil, in which case the legislation in force in the countries in which these companies are located and/or headquartered shall also be complied with;

The financial data obtained by BHUB depends on the services provided by the financial institutions to which the bank accounts indicated by the user are linked. Therefore, despite the efforts to maintain the timeliness and accuracy of the information available on the Entrepreneur Hub, BHUB does not guarantee that the data obtained from these institutions is free of flaws or inaccuracies. Under no circumstances shall BHUB be liable for any such faults or inaccuracies;

They are the sole and exclusive liable for checking any and all information made available on the Entrepreneur Hub, starting with the financial data referred to in item 5 above, before basing any decision on it. Under no circumstances shall BHUB be responsible for checking this information;

They are the sole and exclusive liable for making decisions based on the information available on the Entrepreneur Hub and for the results arising therefrom. Under no circumstances shall BHUB be liable for such decisions and/or the results thereof.

Under no circumstances shall BHUB be liable for any loss or damage caused by hackers and/or programs/codes harmful to the Platform, such as, but not limited to, viruses, worms, denial attacks;

Under no circumstances shall BHUB be liable for products and/or services offered by the financial institutions to which the accounts connected to the Platform, indicated by the user, are linked.

They must comply with this instrument, as well as the other terms, policies, and regulations of BHUB, as well as the applicable legislation in force.

3.2.3 Access Management

BHUB will grant each client’s legal representative one (1) primary access to the Entrepreneur Hub (“Primary User”). The Primary User will have the authority to add, edit, or remove users within the Hub and assign the Primary User profile to another user, thereby transferring the same rights and responsibilities. In this capacity, the Primary User will manage access rights for all other users, ensuring that these rights are limited exclusively to the information and functionalities essential for the proper and efficient performance of their roles. It is imperative that the Primary User exercises due care when configuring access profiles.

BHUB disclaims any liability for direct, indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, business interruption, loss of information or data, or any other harm resulting from:

a) Improper or unauthorized access to the Entrepreneur Hub system, arising from errors, negligence, or lack of diligence by the Primary User in managing access for other users;

b) Inadequate granting of access permissions by the Primary User that results in the exposure of personal data or sensitive information, when not undertaken by BHUB;

c) Data breaches caused by malicious acts, such as cyberattacks, social engineering, or any other form of unauthorized access to the devices of the Primary User or users with access granted by them;

d) Coercion or undue influence on the Primary User leading to unauthorized access grants to third parties, whether by physical, psychological, or manipulative means;

e) Misconfigurations in access profiles managed by the Primary User that enable inappropriate viewing or handling of information;

f) Failures in safeguarding the personal data of users added by the Primary User, arising from poor access management or lack of consent from data subjects;

g) Any breach of legal or regulatory obligations, including but not limited to data protection laws, resulting from inadequate management of access and handling of personal data by the Primary User.

Should any of the above events occur, or in the case of any other incident, BHUB must be notified immediately to take appropriate measures, in accordance with its internal processes and deadlines. BHUB is committed to providing necessary support to the extent of its capabilities and applicable timeframes.

Each Primary User who adds other users to the Entrepreneur Hub acts as the data controller for the personal data accessible by these new users. The Primary User is responsible for ensuring the accuracy of the information provided and for guaranteeing that the entry of personal data and granting of access are performed with the data subjects’ explicit consent.

The user is responsible for ensuring that personal data processing strictly complies with applicable data protection laws. Non-compliance with legal obligations related to privacy and data protection may result in civil and/or criminal liability, and the user will be held accountable for any violations resulting from improper access and processing of data.

WHICH INFORMATION/DATA DO WE COLLECT IN THE ENTREPRENEUR HUB?

BHUB respects the rights to personality and privacy and hereby undertakes to use the data/information made available on the Entrepreneur Hub as described in these Hub Terms, as well as in the General Terms, the Privacy Policy, the Cookies Policy, other regulations of this company and in compliance with current applicable legislation, in particular the LGPD, in the case of personal data.

Considering the nature and purpose of the Entrepreneur Hub, the following personal and business data shall be collected:

Identification/registration information (“Identification/Registration Information”): name/surname, e-mail address, telephone number, access data, as well as company name, and CNPJ.

The company’s banking/financial information (“Banking/Financial Information”): bank, branch, account, overdraft, balances, transactions, investments, loans, credit.

Browsing/device information on our websites/applications (“Browsing/Device Information”): IP address, geographical location, reference source, type of browser, duration/frequency of visits, and pages visited by the user. This information is usually obtained through cookies installed in your browser. For more information, please visit our Cookies Policy.

Identification/Registration Information, Banking/Financial Information, Browsing/Device Information and/or other data collected and used by BHUB may be kept and stored in the following cases: (i) for as long as the user’s registration, account, and/or use of the Entrepreneur Hub’s features, functionalities, services, products, and/or other benefits remain active; and (ii) for as long as necessary: (ii.i) for the resolution of any dispute or litigation, (ii.ii) by judicial determination and/or by an entity with jurisdiction over the activities of BHUB; (ii.iii) to comply with a specific legal provision, under the legislation in force; and (ii.v) for as long as they are necessary to maintain the legitimate interests of BHUB, under the law.

PURPOSE AND USE OF DATA/INFORMATION

The data/information referred to in item 4 of these Hub Terms may be processed by BHUB for the following purposes, subject to the applicable legislation and legal bases in force:

(i) To provide/use the features, functionalities, services, products, and/or other benefits of the Entrepreneur Hub, as well as to launch new products and/or services;

(ii) Sending information requested on our websites/applications/platforms, in particular through the Entrepreneur Hub;

(ii) Sending news, products and services offers, announcements, and/or other information, always related to topics of interest to the registered users;

(iv) Carrying out surveys/statistics, disclosing events, and other matters that may be of interest to the registered user;

(v) Advertising according to the interests and preferences of the registered users, as well as for the customization of the services, products, and/or other benefits, in order to adapt them to such interests and preferences;

(vi) Customer support, service and/or related services.

We also point out that BHUB may share personal data processed with companies located in other countries, such as Google, Microsoft, and/or Amazon, mainly for cloud storage, as stated in its Privacy Policy.

INTELLECTUAL PROPERTY RIGHT

Any and all techniques, ideas, concepts, methods, processes, software, utilities, data, documents, directories, designs, user interfaces, know-how, graphics, images, photographs, logos, slogans, sounds, trademarks, texts, statements, drawings, including domain names, user interfaces and color combinations used, incorporated and contained in our websites/applications/platforms, including the Entrepreneur Hub, constitute the sole and exclusive intellectual property of BHUB or are duly authorized and licensed by third parties/partners. The use, reproduction, distribution, or display, in whole or in part, of any intellectual property of BHUB by the user or by any third party is not permitted or authorized without their prior, express and written consent.

Any content, features, functionalities, and tools made available on our websites/applications/platforms are the property of BHUB and/or, where applicable, of third parties/partners, under the terms of any agreements signed between BHUB and the respective third-party/partners, being understood that: (i) under no circumstances may such ownership be claimed by the user of our sites/applications; and (ii) if said content, features, functionalities, and tools are the property of third parties/partners, BHUB shall obtain the necessary rights, authorizations and licenses.

to copy, store, modify, prepare works, distribute, license, sell, transfer, publicly display, publicly perform, transmit, or exploit any software that is part of our websites/applications/platforms, including the Entrepreneur Hub, as well as any content owned by us, except to the extent expressly permitted by BHUB, due to the use of the features, functionalities, services, products, and/or other benefits made available by BHUB;

attempt to expose the source code or attempt to recreate any software that is part of our websites/applications/platforms;

use software, devices, scripts, manual or automated robots, or any other means or process to access or track any web pages or other services contained on our websites/applications/platforms, including the Entrepreneur Hub;

violate the rights of any person or entity, including, without limitation, their intellectual property, privacy, publicity, and/or contractual rights;

attempt to probe, scan, or test the vulnerability of any BHUB system or network or breach any security or authentication measures;

attempt to decipher, decompile, disassemble, or reverse engineer any software used by BHUB for the supply of its products and/or the provision of its services;

advocate, encourage, or assist any third party to do any of the above;

use BHUB’s websites/applications/platforms for any activities not provided for herein and in BHUB’s other terms, policies, and regulations.

DATA SECURITY POLICY, INFORMATION AND COMMUNICATIONS

Information on security mechanisms adopted by our partners can be found in their respective policies, terms, and/or regulations, and it is the sole responsibility of each party to adopt measures in accordance with current legislation, in particular the LGPD, for the protection of privacy and any data relating to identified or identifiable natural persons.

CANCELING REGISTRATION OR CHANGING/DELETING DATA/INFORMATION

The information and personal data that we process may be reviewed, changed, and/or updated at any time by the registered user, who may even delete certain data and information, subject to the provisions of these Hub Terms, the Policy, as well as BHUB’s other policies, regulations and contractual relationships, in compliance with the applicable legislation in force, in particular the LGPD.

CONTACT FOR CLARIFICATIONS, QUESTIONS AND EXERCISE OF RIGHTS

Still have questions? Relax! BHUB allows you to ask questions at any time through the channel privacidade@bhub.ai.

If BHUB acts as Controller of the processing of personal data, pursuant to the Policy, it shall also be available for the holder of said data to exercise directly, through its channel, the rights provided for in the LGPD, in particular in its art. 18. If this is not the case and BHUB acts as an Operator pursuant to the Policy, please directly contact the Controller of your personal data processing to exercise these rights.

VERSIONS OF THESE TERMS

These Hub Terms may be revised and updated from time to time by BHUB. Any and all revisions and updates shall only be valid and enter into force at the time of their publication on our websites/applications. Don’t worry! You shall be informed of relevant revisions/updates.

GENERAL PROVISIONS, APPLICABLE LAW AND JURISDICTION

In the event of any discrepancy between this instrument and the General Terms, the provisions of this instrument shall prevail.

This document is governed by the laws of the Federative Republic of Brazil.

These Hub Terms were last modified on October 23, 2024.