Terms and conditions

TERMS AND CONDITIONS OF SERVICE

Effective Date: October 21, 2025

These Terms and Conditions of Service (“Terms”) govern your use of the website (cesarramos.com), the purchase of the IFRS 9 Hedging Quick Start Toolkits (“the Toolkits”, “Authored works”), and the provision of any associated remote consulting services (“Remote Services”) offered by César Ramos.

By accessing or using the Site, purchasing any Toolkit, or booking Remote Services, you agree to be bound by these Terms, which include the Privacy and Data Protection Policy, the License Agreement, and the Governing Law and Jurisdiction provisions set forth below.

1. TERMS AND CONDITIONS OF SERVICE

1.1. DEFINITIONS

Provider, Author and Licensor: Refers to César Ramos, the individual expert and service provider, legally operating through CÉSAR RAMOS & CIA LTDA, registered in São Paulo, SP, Brazil as CNPJ 17.688.279/0001-40.

Site: The website cesarramos.com.

Toolkit: The digital product known as the IFRS 9 Hedging Quick Start Toolkit, including all templates, Excel models, documentation, and training videos.

1.2. DIGITAL PRODUCT LICENSE (THE TOOLKIT)

1.2.1 Grant of License: The Provider grants the Client a non-exclusive, non-transferable, perpetual license to use the Toolkit materials solely for the Client’s internal business purposes.

1.2.2 Restrictions and Permitted Third-Party Disclosure: The Client may not sublicense, resell, redistribute, or transfer the Toolkit or any of its components to any third party outside of the Client’s legal entity. EXCEPTION: The Client may share the Authored Works (documents and models) with its external auditors or legal counsel solely for the purpose of the Client’s statutory financial audit or legal review, provided that these third parties are informed that the materials are Confidential Information of the Provider.

1.2.3. Full License Agreement: The complete terms governing the Toolkit’s intellectual property, usage restrictions, perpetuity, and termination for cause are detailed in the License Agreement displayed in the corresponding section below. By purchasing the Toolkit, the Client fully accepts these terms.

1.3. REMOTE CONSULTING SERVICES

1.3.1 Scope: The scope of Remote Services will be defined in a separate written agreement or service proposal agreed upon by both the Provider and the Client.

1.3.2 Disclaimer of Audit Responsibility: The Provider acts as an independent consultant providing implementation and advisory support. The Provider is NOT responsible for making the Client’s final accounting decisions.

1.4. FEES, PAYMENTS, AND REFUNDS

1.4.1 Toolkit Payment: Payment for the Toolkit is due in full at the time of purchase. All sales of the Toolkit are final, and no refunds will be issued once the digital product has been downloaded or accessed.

1.4.2 No Warranty of Outcome: The Provider does not guarantee any specific financial outcome, tax treatment, or audit acceptance result from the use of the Toolkit or the Remote Services.

1.5. LIABILITY AND WARRANTY

1.5.1 Disclaimer: The Site and the Toolkit are provided on an “as is” and “as available” basis. The Provider makes no warranties, expressed or implied, regarding the content, models, or documentation.

1.5.2 Limitation of Liability: To the maximum extent permitted by law, the Provider shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from the use of the Site or the Toolkit.

1.6. INTELLECTUAL PROPERTY (IP) AND USER CONTENT

1.6.1 Provider’s IP: The Provider retains all rights, title, and interest in and to the Site, the Toolkit, the Authored Works, and all related documentation. The Client obtains only the limited license rights expressly granted in these Terms and the License Agreement.

1.6.2. Client Content (Forum/Support): Any information, data, or documents shared by the Client in the support forum or during Remote Services remain the Client’s Confidential Property. The Client grants the Provider a non-exclusive, worldwide, royalty-free, and limited license to use this information solely for the purpose of providing and improving the contracted services (e.g., answering support questions).

1.6.3. Responsibility for User Generated Content (UGC): The Client is solely responsible for all information, materials, or content they submit, post, or share on the Site’s forum or support channels. The Client warrants that their shared content does not violate any third-party intellectual property, confidentiality obligations, or laws.

1.7. MUTUAL CONFIDENTIALITY

Both Parties agree to maintain the confidentiality of all non-public, proprietary, or sensitive information disclosed by the other Party (referred to as “Confidential Information”). Confidential Information includes, but is not limited to, the structure of the Toolkit, financial data of the Client, trade secrets, and business plans. The receiving Party shall use the Confidential Information only for the purpose of performing under these Terms and shall use the same degree of care to protect it as it uses to protect its own confidential information of a similar nature. The obligation of confidentiality shall not apply to information that is required to be disclosed by law or court order.

2. PRIVACY AND DATA PROTECTION POLICY

2.1. DATA CONTROLLER IDENTIFICATION

The Data Controller responsible for processing personal data is:

  • Name: César Ramos
  • Legal Entity: CÉSAR RAMOS & CIA LTDA
  • Location: São Paulo, Brazil.
  • CNPJ: 17.688.279/0001-40.
  • Email for Data Privacy/DPO: adm@cesarramos.com

2.2. DATA COLLECTED, PURPOSE, AND LEGAL BASIS (LGPD)

The personal data collected and their purposes include:

A. Contact and Identification Data (Name, Email, Phone, Company):

  • Purpose: To process the Toolkit purchase, deliver the contracted Remote Services, schedule consultations, and respond to inquiries.
  • Legal Basis (Brazilian LGPD): Performance of the contract (Article 7, V) and Legitimate Interest (Article 7, IX).

B. Navigation Data (IP, Geolocation, Pages Visited):

  • Purpose: Site improvement, performance analysis, and compliance with legal obligations (e.g., Brazilian Civil Rights Framework for the Internet).
  • Legal Basis (Brazilian LGPD): Legitimate Interest (Article 7, IX) and Compliance with a legal obligation (e.g., Marco Civil da Internet – Article 7, II).

2.3. DATA SHARING AND DISCLOSURE

César Ramos does not sell or rent personal data to third parties. Data is shared only with external processors necessary for service provision:

  • Payment Processors: For secure transaction processing (PayPal).
  • Analytics and Marketing Providers: For traffic analysis and communication management (with consent).
  • Governmental Authorities: In case of legal obligation or court order.

2.4. DATA SUBJECT RIGHTS (LGPD)

As per Article 18 of the LGPD, the User has the right to request the exercise of the following rights:

  • Confirmation and Access: Confirm the existence of data processing and access their data.
  • Correction: Request the correction of incomplete, inaccurate, or outdated data.
  • Anonymization, Blocking, or Deletion: Request the blocking or deletion of unnecessary data or data processed in non-compliance with the LGPD.
  • Withdrawal of Consent: Withdraw consent for data processing when consent is the legal basis.

To exercise any of these rights, the Data Subject must contact the Controller via the email adm@cesarramos.com.

2.5. SECURITY AND RETENTION

We implement technical and administrative security measures to protect personal data. Data is retained only for the time necessary to fulfill the purposes for which it was collected, or to comply with legal and regulatory obligations.

3. LICENSE AGREEMENT

4. GOVERNING LAW AND JURISDICTION

These Terms shall be governed by and construed in accordance with the laws of the State of São Paulo, Brazil. The parties agree to submit to the exclusive jurisdiction of the courts located in São Paulo.

IP: 216.73.216.172