Privacy Policy

Responsible Entity

The responsible entity (Controller) for the data processing regulated in this Terms Policy is “Mútua” (hereinafter "we", "us“ or Mútua Systems”).

Our contact details are:

São Paulo - SP

contact@mutua.systems

Last updated:

September 28, 2024

  1. MUTUA’S PRIVACY POLICY

We are MUTUA TECNOLOGIA LTDA, a limited liability company headquartered at Rua Coronel José Eusébio, São Paulo/SP, Brazil registered with the Taxpayer’s Number CNPJ/MF under no. 53.405.294/0001-06, hereinafter simply "Mútua" or "We", and we are the controllers of the publicly available personal data (as defined by applicable law) that make up our Platform.

This means that we make decisions about what data to collect, where and how to store it, how to process it, and so on - all in accordance with our Privacy Policy below (the "Policy"). 

Mútua's taxonomies and Services depend on a wide range of information, both personal and non-personal. Therefore, Mútua collects, from publicly available information, various non-personal data, in particular information about legal entities, as well as personal data, such as information about employees of such legal entities. This Policy applies to both: such information is treated with the security standards and rules outlined here.

If you have any questions or need to deal with any matter related to this Policy, as well as to exercise any of your rights, please contact us at contact@mutua.systems. 

You, the holder of publicly available personal data collected by Mútua, will be referred to as "You" in our Policy. Your personal data, i.e. information that identifies you or may identify you, as defined by applicable law, may be collected and processed by us under the terms of this Policy.

This Policy is divided as follows to make it easier to understand:

  1. PUBLICLY AVAILABLE DATA

  2. NON-PERSONAL DATA

  3. USE AND SHARING OF YOUR INFORMATION

  4. OTHER AUTHORIZED USES

  5. COOKIES

  6. OWNERS' RIGHTS

  7. INFORMATION SECURITY

  8. PRIVACY POLICY UPDATES

  9. APPLICABLE LAW


    1. PUBLICLY AVAILABLE DATA

The purpose of this policy is to provide you with transparent information on the uses we make of your personal data.

The personal data we collect and integrate into our tool is publicly available on the internet, and is collected from sites such as LinkedIn, Phantombuster, Crunchbase, Bright Data, among others. The data collected has been made manifestly public by You, and we will only use it for the purposes set out in this Policy, always respecting the context of its publication by You. For example, contact details made manifestly public by You on LinkedIn may be used for our clients to make professional contacts with You.

We collect your full name, links to your social networks, the name of the company where you work and other information about you company (see below), your job title, as well as your contact details such as your e-mail address and telephone number.

  1. NON-PERSONAL DATA

In addition, Mútua also collects non-personal data from publicly available information. In particular, information relating to legal entities, such as company names, CNPJ numbers, areas in which companies operate, their website, number of followers on social networks, address, telephone number, etc. 

This information is never cross-referenced with any information capable of identifying natural persons, nor can it, by its very nature, identify such persons, so the Brazilian General Data Protection Law does not apply to it. 

However, in the interests of maximum transparency, this Privacy Policy applies, where applicable, to such information, for example with regard to where it is stored and the security measures applied.

  1. USE AND SHARING OF YOUR INFORMATION

  • Anonymization. All your personal data is treated as confidential by Mútua, and we will only use it for the purposes described in this Policy. However, we may anonymize the data submitted and use it, in aggregate form, for other reasonable purposes, never allowing it to be identified, even later, in such a way as to de-characterize such information as "personal". 

  • General purpose. As a rule, your data will be used as part of Mútua's taxonomy and business intelligence platform, and will be offered to Mútua clients who wish to allocate resources to projects related to the company where you work, as a rule associated with social and environmental projects. Your personal data will be used exclusively to help these Mútua clients find business and investment opportunities, including the possibility of contacting you for these purposes. Through our Terms of Use, our clients are obliged to respect this purpose in the use of their personal data.

  • Servers. All the data you provide us with is stored on servers external to Mútua, on the Google Cloud Platform, following a restriction model called IAM (Identity and Access Management), and physically located in the United States. We recommend that you contact their Privacy Policy if you wish to find out about their use of your personal data.

  • Economic group. We may also share your data with other companies in the same economic group as Mútua, exclusively for the same purposes described in this Policy. In addition, for these same purposes, in the case of corporate operations, such as mergers, acquisitions, incorporations, investment rounds and assignment of rights.

  • Judicial request. Mútua reserves the right to provide data and information if requested to do so by a court of law, exclusively to the extent that such sharing is required by law.

  • No other sharing. Unless otherwise stated in this Policy, no personal data about you will be shared by Mútua with any third parties, such as business partners or other companies. 

  1. OTHER AUTHORIZED USES

We may also use your data to:

  • Detection and prevention of fraud, spam and security incidents;

  • Comply with legal obligations; and

  • Monitor our systems, mainly to ensure that the rules described in this Policy are being observed, or that there is no violation or abuse of applicable laws. 

  1. RIGHTS OF DATA HOLDERS

By law, you have a number of rights relating to privacy and the protection of your personal data. These rights are summarized below. If you wish to exercise any of these rights, please contact the data controller, or send an e-mail to contact@mutua.systems, and we will comply with your request as soon as possible. If you contact us to exercise any of these rights, we will need to access your corresponding personal data in order to comply with your requests.

  • Right of access. This right allows you to request and receive a copy of the personal data we hold about you.

  • Right of rectification. This right allows you, at any time, to request the correction and/or rectification of your personal data if you identify that some of it is incorrect. However, in order to carry out this correction, we will have to check the veracity of the data you provide us with.

  • Right of deletion. This right allows you to ask us to delete your personal data. All data collected will be deleted from our servers at your request, unless there is another reason for retaining it, such as a legal obligation to retain data.

  • Right to object to processing. You also have the right to object to where and in what context we are processing your personal data for different purposes. In certain situations, we can demonstrate that we have legitimate grounds for processing your data, which override your rights, if, for example, the data controller has a legitimate legal basis for retaining your data and sharing it with us.

  • Right to request anonymization, blocking or deletion. This right allows you to ask us to suspend the processing of your personal data in the following scenarios: (a) if you want us to establish the accuracy of the data; (b) when you need us to keep the data even if we no longer need it, as necessary to establish, exercise or defend legal claims; or (c) if you have objected to the use of your data, but in this case we need to check whether we have legitimate reasons for using it.

  • Right to portability. We will provide you, or third parties you have chosen, with your personal data in a structured and interoperable format.

  • Right to review automated decisions. You also have the right to request a review of decisions made solely on the basis of automated processing of your personal data that affect your interests, including decisions aimed at defining personal, professional, consumer and credit profiles and/or aspects of your personality.

We may need to request specific information from you to help us confirm your identity and guarantee your rights above. This is a security measure to ensure that personal data is not disclosed to anyone who is not entitled to receive it.

  1.  INFORMATION SECURITY

All your data is confidential and only people with the appropriate authorizations and needs will have access to it. Any use of your personal data will be in accordance with this Policy. Mútua will make every reasonable effort to ensure the security of our systems and your data. Access to the servers where your data is stored can only be made through previously authorized communication channels, and only people with a need to know will have access to your data. Data can only be accessed using a specific login and password, which must be changed every 6 months. There are administrative restrictions on any attempt to alter the data. We store logs of access to your personal data, in accordance with the law. All your information is encrypted on the servers where it is stored, as is your traffic between the servers and our computers. 

Without prejudice to these deadlines, we will keep your data and information only until it is necessary or relevant for the purposes described in this Policy, or in the event of periods predetermined by law. 

  1. PRIVACY POLICY UPDATES

Mútua reserves the right to change this Policy as often as necessary, provided that it complies with legal regulations, and always notifying You. That is why it is very important to access our Policy periodically. To make things easier, we have indicated the date of the last update at the beginning of the document.

  1. APPLICABLE LAW

This document shall be governed by and construed in accordance with the laws of the Federative Republic of Brazil. The Court of the District of São Paulo, SP, is hereby elected as the competent court to settle any questions arising from this document, with express waiver of any other, however privileged.

  1. MUTUA’S TERMS AND CONDITIONS OF USE

BY USING THE PLATFORM, WHETHER FOR A FEE OR AS A SIMPLE DEMONSTRATION, THE USER, BE HE A PERSON OR LEGALITY ("You" or "User") AUTOMATICALLY AGREES TO THESE TERMS OF USE, TAKING FULL RESPONSIBILITY FOR ANY AND ALL ACTS PERFORMED BY YOU ON THE PLATFORM OR RELATED SERVICES. IF YOU DO NOT AGREE WITH ANY OF THE TERMS AND CONDITIONS SET OUT BELOW, YOU MUST NOT USE THE PLATFORM, NOT EVEN AS A DEMONSTRATION. TO USE OUR PLATFORM, YOU MUST ALSO AGREE TO THE TERMS DESCRIBED IN OUR PRIVACY POLICY.

If you would like to give us any feedback on the Platform, have any questions or need to deal with any matter relating to these Mútua Terms and Conditions of Use (the "Terms" or "Terms of Use"), please contact us at contact@mutua.systems.

  1. MAIN OBLIGATIONS

  • MUTUA RESERVES THE RIGHT TO SUSPEND OR TERMINATE THE USER'S ACCESS TO THE SERVICES IN THE EVENT OF IMPROPER, ILLEGAL OR UNAUTHORIZED USE, AS WELL AS VIOLATION OF THE TERMS AND CONDITIONS SET FORTH HEREIN. MUTUA MAY, AT ITS DISCRETION, TEMPORARILY SUSPEND OR PERMANENTLY TERMINATE THE SERVICES PROVIDED, WITH PRIOR NOTICE TO USERS, FOR TECHNICAL, OPERATIONAL, REGULATORY OR FORCE MAJEURE REASONS. MUTUA SHALL NOT BE LIABLE FOR ANY DAMAGES CAUSED BY THE USE OF THE SERVICES IN DISAGREEMENT WITH THE INSTRUCTIONS PROVIDED OR BY FAULTS ARISING FROM THIRD PARTY EQUIPMENT, SOFTWARE OR CONNECTIONS.


  • THE RESULTS, INFORMATION AND DATA OBTAINED THROUGH THE USE OF THE PLATFORM ARE PROVIDED SOLELY FOR INFORMATIONAL PURPOSES. THE USER ACKNOWLEDGES AND AGREES THAT HE/SHE SHOULD NOT RELY COMPLETELY ON THE INFORMATION PROVIDED, SINCE THIS PRODUCT DOES NOT GUARANTEE OR PROMISE ANY TYPE OF SPECIFIC RESULT, WHETHER EXPLICIT OR IMPLICIT. USE OF THE PLATFORM IS THE SOLE RESPONSIBILITY OF THE USER, WHO UNDERSTANDS THAT ANY DECISIONS OR ACTIONS TAKEN ON THE BASIS OF THE INFORMATION PROVIDED ARE MADE AT THE USER'S OWN RISK. THE USER ACKNOWLEDGES THAT THE USE OF MUTUA'S SERVICES IS AT THEIR OWN RISK, AND MUTUA ASSUMES NO RESPONSIBILITY FOR ANY DAMAGE OR LOSS ARISING FROM SUCH USE.


  • THE PERSONAL DATA AVAILABLE ON THE PLATFORM IS PUBLICLY AVAILABLE, SO THAT ITS USE MUST TAKE INTO ACCOUNT THE PURPOSE, GOOD FAITH AND PUBLIC INTEREST THAT JUSTIFIED ITS AVAILABILITY. ALL USES MADE OF THIS INFORMATION MUST COMPLY WITH LEGITIMATE AND SPECIFIC PURPOSES AND THE PRESERVATION OF THE RIGHTS OF THE DATA SUBJECT, AS WELL AS THE GROUNDS AND PRINCIPLES PROVIDED FOR IN THE GENERAL DATA PROTECTION LAW. THEREFORE, YOU REPRESENT AND WARRANT THAT YOUR USE OF THE PLATFORM AND THE CONTENT OF THE PLATFORM WILL NOT BE IN A MANNER THAT CONTRAVENES THE LAW APPLICABLE TO YOUR COUNTRY OR THIS AGREEMENT, OR THAT VIOLATES ANY RIGHTS OF THIRD PARTIES, IN PARTICULAR ANY RIGHTS THEY MAY HAVE IN RELATION TO YOUR PERSONAL DATA AND PRIVACY. YOU REPRESENT AND WARRANT THAT YOU WILL NOT USE THE PERSONAL DATA, THE PLATFORM OR THE CONTENT OF THE PLATFORM FOR ANY PURPOSES THAT ARE NOT CONSISTENT WITH THE PURPOSE OF MAKING THE PERSONAL DATA PUBLICLY AVAILABLE, SUCH AS MARKETING AND TARGETING CAMPAIGNS, PROFILING PEOPLE, SELECTING CANDIDATES, TRANSFERRING DATA TO THIRD PARTIES, OR ANY ACTIVITIES THAT ARE NOT COMPATIBLE WITH THESE TERMS, FOR THE PURPOSE OF PROFESSIONAL CONTACTS FOR SOCIO-ECONOMIC PROJECTS FOR WHICH THE PLATFORM IS INTENDED, OR THAT MAY INVADE THE PRIVACY OF DATA SUBJECTS OR DISCRIMINATE AGAINST THEM IN ANY WAY.


  • IF THE USER IS A LEGAL ENTITY, THE PERSON CARRYING OUT THE PROCEDURE OF ACCEPTING THE TERMS OF USE ON BEHALF OF THE COMPANY DECLARES THAT HE/SHE HAS THE AUTHORITY TO BIND THE COMPANY TO THESE TERMS, AND IS JOINTLY AND SEVERALLY LIABLE TO THE MUTUA IF HE/SHE UNDULY BINDS A LEGAL ENTITY TO THESE TERMS.


  • Non-transferable password. As you will see below, Your license to use the Platform is non-exclusive, limited, revocable, onerous and non-transferable. This means that You may not share Your password and login with third parties, and no person other than the person for whom the login was created may access the Platform and use its features. Mútua reserves the right to monitor Your use of the Platform under the terms of our Privacy Policy and to suspend Your access to the Platform if it finds that You are in breach of this clause, without any compensation or other amounts being due to You as a result of such suspension. Therefore, all user passwords provided are individual, confidential and non-transferable, and must not be shared with third parties, especially coworkers. You are responsible for the safekeeping of passwords by users who access the platform from your subscription, and you are responsible for the use, safekeeping, maintenance and secrecy of all such passwords, and guarantee to Mútua that you will not share passwords with any unauthorized third parties or similar situations.


  • Access. To access the Platform and use its features, you must register. To register, you will provide us with personal information, as described in our Privacy Policy. To find out more about the privacy of your personal data on the Platform, visit our Privacy Policy.


  • Updating Information. You hereby agree to keep your personal information up to date. You also agree that you will keep your login and password secure and out of the reach of third parties, taking responsibility for all actions carried out on your account.


  • Support. Mútua undertakes to provide technical support to users to clarify doubts and solve problems related to the services, through the available communication channels, such as e-mail or online support. The technical support referred to in this clause refers exclusively to the correction of errors, unavailability, slowness and other technical problems related solely and exclusively to the Platform and over which Mútua has the possibility of control and interference, for whose rapid solution Mútua will make its best efforts.


  • Other matters. You represent and warrant that you also agree to the following:


  • The user must comply with all applicable laws and regulations in force when using Mútua's services, including, but not limited to, data protection, copyright and intellectual property laws.


  • The user agrees not to use Mútua's services for illegal, fraudulent, defamatory, harmful, obscene or otherwise improper purposes.


  • The user agrees not to violate the security of Mútua's systems, attempt to gain unauthorized access or interfere with the proper functioning of the services.


  • Mútua reserves the right to carry out updates, improvements and modifications to the services, provided that they do not substantially impair their functionality or quality. Mútua will endeavor to notify users of any relevant changes to the services reasonably in advance, by means of electronic communications or publications on its website.


  • Mútua does not guarantee the continuous and uninterrupted availability of the services, and there may be temporary interruptions for technical, security or maintenance reasons. However, Mútua will make every effort to minimize such interruptions and will take the necessary steps to restore the services as soon as possible.


  • In the event of termination of the contract and access to the Platform, for whatever reason, Mútua shall have no obligation to keep or provide the user with copies of the data stored in the services. The user is responsible for backing up and maintaining copies of their data.


  • Mútua undertakes to act in accordance with the ethical and professional principles applicable to the provision of services, maintaining a safe and respectful environment for users.

  • Mútua reserves the right to monitor the services in order to ensure security and proper performance, as well as to comply with legal and regulatory obligations.

  1. USE LICENSE

  • License to Use. The services and content offered by the Platform are the property of Mútua. By means of these Terms, Mútua is offering You a non-exclusive, limited, revocable, onerous, personal and non-transferable license of use, exclusively for the purposes and with the limitations provided for in these Terms of Use. The Platform will allow You to carry out customs clearance in a simplified manner, for example by managing documents and forms and organizing applicable information.

  • Platform content. Unless otherwise provided by law or contract, all rights relating to the Platform and its functionalities are the exclusive property of Mútua, in particular with regard to its texts, images, taxonomies, results, reports, layouts, software, codes, databases, graphics, articles, photographs and other content produced directly or indirectly, or organized, by the Platform ("Platform Content"). Except as otherwise expressly provided in these Terms, the license granted herein does not include any assignment of any kind, nor the ability to copy, reproduce, modify, translate, publish, transmit, distribute, perform, license, sell or exploit and reverse engineer the Platform Content, make or run any programs for the purpose of scraping, indexing, searching or otherwise obtaining data from any part of the Platform, or unduly burdening or impairing our operation or functionality; or attempt to gain unauthorized access to the Platform or impair any aspect of the Platform or its related systems or networks, without Mútua's prior express consent.

  • Suspension. We reserve the right to suspend or terminate your access to the Platform at any time in the event of suspected fraud, obtaining a benefit or advantage unlawfully, or for non-compliance with any conditions set out in these Terms of Use, the Privacy Policy or applicable law, in particular in the event of your non-payment of the subscription fee. In these cases in particular, you will not be entitled to any compensation for such suspension.

  • Maintenance. Mútua will use its best efforts to keep the Platform stable and fully usable at all times. However, and without prejudice to other provisions of these Terms relating to situations over which we do not and cannot have control and interference, the Platform may be unavailable for maintenance, upgrades or the like, at Mútua's sole discretion, during reasonable maintenance hours and with reasonable notice.

  1. PRICE

  • Price. In return for the license to use the Platform, the Contracting Party undertakes to pay the Contractor a recurring amount to be defined in writing between the Parties, or in accordance with the conditions set out in the Platform itself. 

  • Adjustment. The amount to be paid for the use of the Platform may be changed unilaterally by Mútua, by giving You at least 30 (thirty) days' written notice, and if You do not manifest this within the aforementioned period, the aforementioned notice of readjustment shall become valid. If You do not agree with the increase indicated, You must indicate this in writing, and the contractual relationship between Mútua and You may be terminated immediately after notice to this effect, and without any cost to either party. Without prejudice to other readjustments, these amounts may also be readjusted after 12 (twelve) months in accordance with the variation in the Brazilian Broad National Consumer Price Index - IPCA.

  1. USE OF INFORMATION

  • Non-Disclosure Policy. Mútua will not disclose, share or give access to third parties to any commercial information uploaded to its Platform, unless otherwise provided in these Terms, in other contracts signed between the Parties, or in Mútua's Privacy Policy. Therefore, as a general rule, all information stored on our Platform will be treated as confidential, at least for the duration of our contractual relationship and for 5 (five) years after its termination, whatever such information may be, including price and commercial conditions signed between us or other confidential information and documents pertaining to transactions, operations, activities, products, services and technologies related to your commercial activity, the Platform or contained therein. However, Mútua may use such information freely for its own purposes, such as developing and improving internal products, creating customer profiles, creating reports, creating products or reports shared or marketed with third parties, among others, and any other uses for the purpose of operating the Platform and promoting improvements to it, provided that such new uses or products do not imply the sharing or direct disclosure of the information submitted by You to the Platform. Mútua's use of your personal data is governed by our Privacy Policy.

  1. RESPONSIBILITIES

  • RESPONSIBILITY FOR USE. YOU ARE SOLELY RESPONSIBLE FOR YOUR USE OF THE PLATFORM AND MUST COMPLY WITH THE RULES OF THESE TERMS OF USE, AS WELL AS THE LEGISLATION APPLICABLE TO YOUR USE OF THE PLATFORM. IT IS YOUR SOLE RESPONSIBILITY TO KEEP THE ENVIRONMENT OF YOUR DEVICE (COMPUTER, CELL PHONE, TABLET, AMONG OTHERS) SECURE, USING AVAILABLE TOOLS SUCH AS ANTIVIRUS, FIREWALL, AMONG OTHERS, IN ORDER TO CONTRIBUTE TO THE PREVENTION OF ELECTRONIC RISKS. MUTUA SHALL NOT BE LIABLE FOR ANY DIRECT OR INDIRECT, MATERIAL OR MORAL DAMAGES, INCLUDING LOSS OF PROFITS OR REVENUE, RESULTING FROM POOR SECURITY PRACTICES ON THE DEVICE USED TO ACCESS THE PLATFORM.


  • NON-RESPONSIBILITY. IN VIEW OF THE INHERENT CHARACTERISTICS OF THE ONLINE ENVIRONMENT, OVER WHICH MUTUA DOES NOT AND CANNOT HAVE ANY INTERFERENCE, MUTUA IS NOT RESPONSIBLE FOR INTERRUPTIONS OR SUSPENSIONS OF CONNECTION, INCOMPLETE OR FAILED COMPUTER TRANSMISSIONS, AS WELL AS TECHNICAL FAILURES OF ANY KIND, INCLUDING, BUT NOT LIMITED TO, THE MALFUNCTIONING OF ANY NETWORK, HARDWARE OR SOFTWARE. THE UNAVAILABILITY OF ACCESS TO THE INTERNET OR TO THE PLATFORM, AS WELL AS ANY INCORRECT OR INCOMPLETE INFORMATION ON THE PLATFORM AND ANY HUMAN, TECHNICAL OR OTHER FAILURE IN THE PROCESSING OF INFORMATION ON THE PLATFORM SHALL NOT BE CONSIDERED THE RESPONSIBILITY OF THE PLATFORM. MUTUA DISCLAIMS ANY LIABILITY ARISING FROM SUCH FACTS AND/OR ACTS. MUTUA SHALL ALSO NOT BE HELD LIABLE FOR DAMAGES, DIRECT OR INDIRECT, RESULTING FROM THE MISUSE OF THE PLATFORM OR WHICH HAVE ANY CONNECTION WITH THE MISUSE OR USE IN BAD FAITH OF THE PLATFORM'S FUNCTIONALITIES, ITS ACCESS, USE OR THE INABILITY TO ACCESS OR USE THE PLATFORM.


  • External links. It is possible that the Platform may contain links to third-party websites and applications, as well as having third-party technologies integrated into its code. This in no way implies that the Platform endorses, verifies, guarantees or has any connection with the owners of these websites or applications, and it is not responsible for their content, accuracy, policies, practices or opinions. The Platform recommends that You read the terms of use and privacy policies of each third-party website or service that You visit or use.

  1. GENERAL PROVISIONS

  • Changes. To improve your experience, the Platform is constantly being updated. For this reason, these Terms may be amended at any time to reflect the adjustments made. However, whenever any changes occur, You will be informed in advance by the e-mail address provided by You at the time of registration or by a prominent notice on the application. If You do not agree to the new Terms of Use, You may reject them, but unfortunately this means that You will no longer be able to access and make use of the Platform. If You use the Platform in any way even after these Terms of Use have been amended, this means that You agree to all modifications.

  • Partial Invalidity. The partial invalidity of these Terms shall not affect them in the part considered valid, provided that the obligations are severable from each other.

  • Autonomy of the parties. Each party is fully responsible for its actions and obligations under these Terms. The parties acknowledge that they have no authority or power to, directly or indirectly, negotiate, contract, assume any type of obligation or create liability on behalf of the other party, under any circumstances. No provision of these Terms shall be construed to constitute a partnership or relationship of any kind, including labor, between any of the parties and/or between a party and the employees or service providers of the other party, nor shall it be construed, unless expressly stated otherwise, to constitute any of the parties as an agent or representative of the other party, nor to create any fiduciary relationship between the parties.

  • Conciliation. The parties choose negotiation and conciliation as the priority means of resolving any disputes or controversies arising from this Contract, always seeking to reach an amicable and satisfactory solution for both parties.

  • Partial Invalidity. The partial invalidity of this Instrument shall not affect the part considered valid, provided that the obligations are severable from each other. In the event of the provisions of this Clause, the parties hereby undertake to negotiate, as soon as possible, the inclusion of valid terms and conditions to replace the invalidated Clause, reflecting the terms and conditions of the invalidated Clause, observing the objective and intention of the parties when negotiating the invalidated Clause and the context in which it is inserted.

  • Assignment. The user may not assign or transfer the rights and obligations arising from these Terms, in whole or in part, to third parties without the prior express consent of the other party.

  • Forbearance. Tolerance by either party with regard to the requirement of regular and timely fulfillment of the other party's obligations or extension of deadlines granted by either party to the other shall not constitute waiver, alteration, modification, or novation of any of the rights or obligations established by means of this Instrument, but shall constitute mere liberality, which shall not prevent the tolerant party from requiring the other party to faithfully and fully comply with this Instrument at any time.

  • Notifications. Both parties shall update the other party of any changes to their electronic and physical addresses. All notices and communications required hereunder shall be in writing and delivered to the opposite party at the last address communicated to the other party in writing. In the event that the party receiving the notification via electronic address does not acknowledge receipt, even implicitly, within (2) two working days, said notifications shall be sent to the physical address of the party in question. Notices sent in accordance with this Clause shall be deemed to have been delivered: (i) on the date on which the communication is sent by electronic means, if there is acknowledgement of receipt, even if by implication; and, in the case of sending the notice to the physical address of the party in question, (ii) on the date on which they are delivered, if delivered by hand; (iii) on the date on which they are received, if posted with acknowledgement of receipt; or (iv) within three (3) working days of their delivery, if posted by courier service.

  • Law and jurisdiction. These Terms of Use are governed by the laws of the Federative Republic of Brazil. Any doubts and situations not provided for in these Terms of Use shall be resolved first by the Platform and, if they persist, shall be resolved by the Court of the District of São Paulo, São Paulo, to the exclusion of any other, however privileged it may be or may become.


Questions. If you have any questions, comments or suggestions, please contact us at contact@mutua.systems.