By this instrument, the natural or legal person identified and qualified in the registration, who is an integral part of this Term (“User”); and Revenu OPEN TECNOLOGIA LTDA., registered with CNPJ under nº 51.235.341/0001-87 with headquarters at Av. Brig. Faria Lima, nº 1811 – Room 1119, Jardim Paulistano, São Paulo/SP, ZIP code 01.452-001; have agreed on these Terms and Conditions of Use of Revenu (“Agreement”), under the terms and conditions below:

By using the Revenu platform, the User must read the content of these Terms and, if they agree with the presented conditions, provide their free, express, and unequivocal consent by checking the dialog box “I have read and agree to the Terms and Conditions of Use”, so that they automatically adhere to and agree with the terms and conditions of this Agreement, as well as the Privacy Policy.

The use of the System or any tool made available by Revenu will be interpreted as full acceptance of this Agreement, and the User will be legally bound to all the conditions herein.

Revenu may periodically modify the conditions of this Agreement at its sole discretion; the User may, if they disagree with the modification, terminate it without any costs or penalties.

For the purposes of this Terms of Use, the following definitions apply:

“Revenu App”: Mobile application owned by Revenu, made available to the User for the use of the Features and execution of Transactions.

BCB: Central Bank of Brazil.

Registration: form completed by the User on the Platform, containing their personal data and other information necessary for accreditation to the System and creation of the Digital Account.

Prepaid Card: Plastic or digital card that, if requested by the User, may be used with funds previously deposited in the User's Payment Account, for the acquisition of goods or services, within national territory, at establishments affiliated with the brand indicated on the respective Card, whose issuance will be carried out in accordance with the Card's Terms and Conditions of Use, which are attached to this Term.

Malicious Codes: any computer programs, or parts of a program, designed to cause damage, obtain unauthorized information, or disrupt the operation of computer systems and/or networks.

Digital Account: payment account owned by the User, intended for loading, transferring, and redeeming funds, whose amounts, converted into electronic money, will be managed and held by Revenu’s partner clearing payment institutions.

Agreement: these Terms and Conditions of Use of the Revenu Platform, which constitute an electronic contract available at https://revenu.com.br/ and on the Revenu App.

Dispute: procedure for analyzing the User’s request for cancellation or refund of a Transaction due to transfers between Payment Accounts made available through the Revenu platform and held by partner institutions.

Suppliers: third parties offering products and/or services to the User through the Platform.

Internet: system composed of a set of logical protocols, structured worldwide for public and unrestricted use, with the purpose of enabling data communication between terminals through different networks.

Platform: website available at https://revenu.com.br/ or the Revenu App for the use of Features and execution of Transactions by the User.

Privacy Policy: policy available at https://revenu.com.br/, which is an integral part of this Agreement, governing the collection, use, storage, processing, sharing, protection, and deletion of the data of the Data Subject, as a result of using the System.

Third-Party Services: products and services available to the User on the Platform, offered by accredited Suppliers.

System: services related to the opening of a Digital Account and execution of Transactions by the User, including the provision of information and issuance of statements through the Platform.

Third Party: person or entity that does not directly participate in a contract, legal act, or business, or who, beyond the involved parties, may have an interest in a legal process.

Transaction: operation in which the User moves funds in their Digital Account, including loading funds into this Account; transferring funds to Digital Accounts of other Users accredited in the System; or redeeming funds by the User, whether an Individual or Legal Entity, who, by adhering to this Agreement, is authorized to execute Transactions through the System.

This Agreement governs the provision of technology services by Revenu, for:

• (I) Registration and accreditation of the User in the System;
• (II) Creation of a Digital Account within the Revenu Platform, enabling the User to perform Transactions for loading, transferring, and redeeming funds;
• (III) Management and custody of funds held in the Digital Account owned by the User.

Through the Platform, the User may:

• (I) Load and redeem funds available in the Payment Account;
• (II) Check the balance and statement of movements related to the Payment Account;
• (III) Perform transfers between Users holding a Payment Account;
• (IV) Execute a transfer order to a bank account, either their own or third parties' (via TED, Pix, or another solution eventually provided);
• (V) Make payments and transfers via QR Code, as available;
• (VI) Issue bank slips;
• (VII) Make payments for bank slips and utility bills;
• (VIII) Make payments and transfers via proximity, as available;
• (IX) Request issuance of a Prepaid Card;
• (X) Make payments and transfers through the Payroll service;
• among other Features available.

Revenu may, at any time and without prior notice, remove, change, or modify the functionalities available on the Platform.

The services will be provided remotely, under the license to use the functionalities made available to the user on the Platform.

Revenu, under its sole and exclusive responsibility, may subcontract third parties or enter into partnerships for the provision of part of the services that comprise the System, being fully accountable for such actions.

Revenu does not guarantee uninterrupted operation or speed of its Platform’s operating system, which may experience unavailability, slowness, or processing errors, including for an indefinite period, in cases of preventive or corrective maintenance, operational failures, system errors, failures from other service providers, and eventual fortuitous events or force majeure.

Revenu shall not be responsible for:

• (I) Intermittence or unavailability of the Internet connection adopted by the User;
• (II) Technical incapacity of the mobile device or operating system;
• (III) Unavailability of the Platform in the app store or Internet browser used by the User;
• (IV) Activities of persons not authorized to use the Platform’s systems.

The legislation applicable to the services offered by Revenu includes the following legislative and regulatory acts:

• Law No. 12,965, of April 23, 2014 - Brazilian Internet Framework (Marco Civil da Internet) which establishes principles, guarantees, rights, and duties for the use of the Internet in Brazil.
• Law No. 12,527, of November 18, 2011 - Access to Information Law that regulates access to information as provided in the Federal Constitution.
• Law No. 13,460, of June 26, 2017 - Provides for participation, protection, and defense of the rights of users of public administration services.
• Law No. 13,709, of August 14, 2018 – General Data Protection Law (LGPD) which governs the processing of personal data, including in digital media, by natural persons or legal entities of public or private law, aiming to protect the fundamental rights of freedom, privacy, and the free development of the personality of the natural person.
• Law No. 13,444, of May 11, 2017 - Provides for the National Civil Identification (ICN).
• Decree No. 8,777, of May 11, 2016 - Establishes the Open Data Policy of the Federal Executive Power.
• Decree No. 7,724, of May 16, 2012 - Regulates Law No. 12,527, of November 18, 2011 (Access to Information Law), which provides for access to information as set forth in the Constitution.
• Decree No. 7,845, of November 14, 2012 - Regulates procedures for security accreditation and handling of classified information at any level of secrecy, and establishes the Security and Accreditation Core.
• Decree No. 10,046, of October 9, 2019 - Provides for governance in data sharing within the Federal Public Administration and establishes the Citizen Base Registry and the Central Data Governance Committee.
• Supplementary norms from the Information Security Office of the Presidency (GSI/PR) that regulate Information and Communications Security Management in the Federal Public Administration, direct and indirect, and provide other measures.
• Decree No. 9,637, of December 26, 2018 - Establishes the National Information Security Policy, provides for information security governance, and amends Decree No. 2,295, of August 4, 1997, which regulates the provisions in art. 24, caput, item IX, of Law No. 8,666, of June 21, 1993, and provides for exemption from bidding in cases that may compromise national security.
• Law No. 12,737, of November 30, 2012 - Provides for the criminal typification of computer crimes.
• Other laws, decrees, resolutions, normative instructions, ordinances, and additional regulations may be included in this section, depending on the needs of the service. The list depends on the specific regulations applicable to the agency or entity and the services provided.

Enrollment in the system will be carried out through the User's adherence to this Agreement, which will be effective by:

• (I) Completion of the Registration;
• (II) Express electronic acceptance on the Platform.

To use the System, the User must obligatorily complete the Registration, providing their personal data and information requested on the Platform, which must include at minimum:

• (a) For individuals, the following must be provided: full name and valid and active CPF/MF registration number;
• (b) For legal entities, the following must be provided: corporate name or designation, valid and active CNPJ/MF registration number, and the information indicated above for their representatives, proxies, or authorized agents.

Revenu may limit the use of the System according to the value and quantity of transactions. Whenever necessary, including to allow the use of the System for Transactions exceeding the previously established value and quantity, Revenu may request that the User provide additional information beyond what is indicated in the Registration, and may, at any time and at its sole discretion, request copies of documents to verify the accuracy of the information provided by the User, in compliance with best market practices in the areas of Money Laundering and Terrorism Financing Prevention.

If Revenu identifies incorrect or false data provided by the User or if the User refuses or fails to send the requested information and documents, Revenu may temporarily suspend access to the System and prevent the use of Features until regularization occurs.

Revenu may, at its sole discretion, conduct searches in public or private databases to verify the accuracy of the data and information provided by the User in the registration, who is civilly and criminally responsible for the truthfulness of the information provided, including towards third parties, and is obliged to keep their data updated with Revenu.

Revenu will not be responsible for errors or non-performance of the services that comprise the System if the User provides inaccurate, false, or outdated information when completing the registration or first accessing the System; the User must create a login and password for using the Features and performing Transactions.

The login and password are for personal, exclusive, and non-transferable use by the User, who must keep them confidential and not allow third-party access; in the case of a legal entity, the User agrees to provide login and password access only to its legal representatives, partners, administrators, and/or agents with authority to enter into legal transactions on its behalf, being responsible, vis-à-vis Revenu, other Users, and third parties, for all acts and transactions conducted through the System.

The User must provide a valid email for communication with Revenu, and any communication or notification sent by email will be considered valid and effective between the Parties.

To use the services provided by Revenu, the User, among other obligations provided in this Agreement, must be:

• (I) an individual, over 18 (eighteen) years old, with valid and regular registration with the Federal Revenue of Brazil;
• (II) a legal entity duly constituted, with headquarters or office in Brazil, with valid and regular registration with the Federal Revenue of Brazil.

Due to the nature of the services provided, Revenu is not able to verify the User's legal capacity or regularity, and will not be liable for any damages caused due to non-compliance with the above conditions.

The use of the System and the execution of Transactions is prohibited for conducting business:

• (I) Considered illegal under Brazilian law;
• (II) That violate the National Financial System, the rules of the Central Bank of Brazil, and the regulations of financial institutions, card networks, acquirers, and issuers of credit and debit cards;
• (III) Considered financial crimes, with the intent of money laundering, terrorism financing, corruption, or other related crimes, even indirectly;
• (IV) That do not constitute a regular legal transaction and are intended for fraud;
• (V) That, in any way, may cause harm to Revenu, its partners, other Users, or third parties.

Transactions with indications or suspicions of fraud may be subject to non-processing, blocking, or cancellation, even if performed knowingly or unknowingly by the User.

Revenu may suspend access to the Features and stop performing Transactions through the System whenever it identifies or understands that the User's activity or the nature of the Transactions violates any provision of this Agreement or applicable law; and may subject the User to cancellation of their enrollment and immediate removal from the System, without any prior notice or notification, without generating any compensation or reimbursement to the User.

Digital Account: by adhering to this Agreement, the User agrees to open an individual and exclusive Digital Account, which can be operated through the Features. Registration on the Platform alone does not imply the opening of the Digital Account, which will only occur after:

• (I) Prior deposit of funds through one of the available methods;
• (II) Performing any transaction in the system.

Loading the Digital Account will be done through one of the methods available in the system, at the User's choice, including:

• Payment of a bank slip by the User themselves – or third parties on behalf of the User – with unique identification allowing the deposited amount to be credited to the Digital Account;
• Bank transfer made by the User themselves – or third parties on behalf of the User – directly to the current account indicated by Revenu, via TED, Pix, or another solution eventually provided;
• Receipt through transfers made by other Users within the System;
• Financial settlement resulting from Transactions made with credit or debit cards.

Revenu may, at any time, establish other methods for loading the Digital Account by the User, by amending this Agreement and making them available through the Features.

Once the Digital Account is loaded through one of the permitted methods, the funds will be available in the System within 01 (one) business day, allowing the User to perform Transactions using the available Features.

Funds deposited in the Digital Account may be used for transfer or withdrawal, using one of the available methods in the System, including:

• Performing transfer Transactions to the Digital Accounts of other accredited Users in the system;
• Withdrawing funds via transfer to the User's bank account or, if available, to a third-party bank account not registered in the system;
• Loading a Prepaid Card in guaranteed limit mode issued for the User, if available;
• For the purchase of products or services contracted on the platform, if available;

The transfer of funds between Payment Accounts within the System will occur on the same day the Transaction is executed. Withdrawal of funds via bank transfer will be made within 02 (two) business days from the date of the Transaction.

Transactions performed through the Features will not be executed by Revenu when:

• (I) There are insufficient funds in the Digital Account;
• (II) The User fails to provide sufficient information or provides incorrect information for the transaction;
• (III) There are indications of fraud or suspicion of unlawful activity, as provided in this Agreement and applicable law.

Revenu may set minimum and maximum limits for loading Revenu Accounts and performing transactions, which may vary according to the User's Registration information, type of Transaction, or other criteria defined by Revenu. The above criteria may be changed at any time by Revenu, with 05 (five) days' notice, and publication on the Platform.

Funds credited to the User's Digital Account will be held in a bank account owned by Revenu, at a top-tier financial institution, and, under the terms of art. 12 of Law 12,865/2013:

• (I) Constitute separate assets, which are not commingled with Revenu's assets;
• (II) Do not directly or indirectly answer for any obligation of Revenu, nor can they be subject to attachment, seizure, search and seizure, or any other judicial constraint due to Revenu's debts;
• (III) Cannot be used as collateral for debts assumed by Revenu;
• (IV) Are not part of Revenu's assets for purposes of bankruptcy, judicial or extrajudicial liquidation.

The burdens arising from maintaining funds in a bank account owned by Revenu shall not be imputable to the User, nor can they be claimed by the User.

Funds held in the Digital Account, unless expressly agreed otherwise, will not accrue any type of increase or adjustment, such as monetary correction or interest; and no remuneration will be paid to the User, regardless of the period they remain deposited.

Funds deposited in the Digital Account must be used for payments and transfers, being considered by Revenu as funds in transit owned by the User.

The User may not assign or encumber, under any title, the rights over funds deposited in their Digital Account without prior written authorization from Revenu, under penalty of ineffectiveness of the assignment or encumbrance vis-à-vis Revenu.

The User will have access to performed or pending transactions through the statement of their Digital Account, being able to view in the System the balance and transaction history. Providing the balance and statement constitutes an accounting record for all legal purposes.

Revenu will provide access to transactions performed in the last 12 (twelve) months; after this period, Revenu is not responsible for maintaining the information, and it is the User's responsibility to control and archive it, including the possibility of printing the provided statement.

The User acknowledges that the services provided in this Agreement are intended solely for making payments and receipts in national currency, and to ensure that all funds moved in their Digital Account originate from lawful and declared sources, exempting Revenu from any liability.

Revenu may cancel a transaction whenever it verifies that:

• (I) it was processed incorrectly by Revenu, due to erroneous information provided by the User at the time of the transaction;
• (II) it was rejected by the recipient User of the funds;
• (III) it was carried out in non-compliance with the provisions of this Agreement and Revenu conditions;
• (IV) there is suspicion of fraud, unlawful act, or any irregularity.

The User declares and guarantees that they will be fully responsible for the truthfulness, accuracy, and compliance of the information and amounts in the commercial relationships related to the Transactions; being responsible, if applicable, for the quality, quantity, safety, adequacy, price, term, delivery, functionality, and warranties of the products or services that gave rise to the Transactions.

All complaints and disputes arising from any Transactions carried out between Users within the System must be resolved directly between the Users; so that Revenu shall be exempt from any liability, without prejudice to the possibility of retention and/or compensation as provided in this Agreement.

If the User disputes a Transaction, the Dispute procedure will be initiated, with retention of the Transaction amount until the Dispute is resolved. The Dispute must be opened by the User within a maximum period of 10 (ten) days from the date of the Transaction, directly through Revenu's customer service available on the Platform; it being understood that opening the Dispute does not guarantee the return of the disputed amounts.

The request to open a Dispute must be properly substantiated and accompanied by relevant documentation. Upon opening the Dispute procedure, Revenu will request explanations and documents from the involved Users to prove the transaction’s underlying business. It is solely up to Revenu, at its own discretion, to analyze the documentation and decide on the Dispute within 30 (thirty) days from the submission of information and documents by the last notified User.

If the dispute is accepted, the respective amount will be refunded to the Digital Account of the User who initiated the Dispute. If the dispute is not accepted, the executed Transaction will be maintained. If the User who requested the Dispute fails to provide the requested information and documents, the procedure will be automatically closed.

If excessive levels of Dispute requests by a User are identified, Revenu may, among other measures:

• (I) fully or partially retain the amounts in the Digital Account, as a guarantee to cover potential damages to Revenu or other Users;
• (II) suspend or permanently disable the User's access to the Platform.

Transactions will be automatically canceled by Revenu when:

• (I) duplication is verified;
• (II) there is an indication of incomplete or inaccurate information;
• (III) there are indications of irregularity or fraud;
• (IV) in other cases provided for in this Agreement.

The User acknowledges and agrees that Revenu, in accordance with the provisions of this Agreement, shall have the right to:

• (I) retain the amounts held in the User's Digital Account to fully guarantee any payments due to Revenu or to safeguard Revenu against financial risks related to the User's obligations;
• (II) offset, with the amounts held in the Digital Account, the User's debts to Revenu, of any nature.

Revenu will proceed with the retention and offset of amounts, existing or future, held in the User's Digital Account under the following circumstances:

• When Revenu understands that there is a high level of operational or credit risk associated with the User's Transaction history;
• In case of indications of irregularity or risk of Transaction cancellation, due to complaints, disputes, Dispute procedures, or misuse of the System;
• In cases where illiquidity, insolvency, judicial or extrajudicial recovery requests, bankruptcy filings, cessation of activities, or any other scenario arises demonstrating the User's difficulty in fulfilling their contractual and/or legal obligations;
• Whenever there is non-compliance with the obligations provided in this Agreement or in the applicable legislation.

If there is insufficient balance to cover the payment of debts owed, the User will be notified by Revenu to immediately fund their Digital Account, under penalty of being considered in default, automatically and without the need for notice or any formality.

The absence or delay in payment of any amounts owed by the User will result in a late payment penalty of 10% (ten percent), monetary correction by IGPM/FGV or another index that may replace it, and interest of 1% (one percent) per month, calculated on the amount due.

User default will also result in the immediate termination of this Agreement and the adoption of legal measures for debt collection, including the registration of the debt with credit protection agencies.

The User will have a period of 90 (ninety) days to point out any discrepancy or error regarding the amounts posted to the Digital Account, counted from the date of the transaction, debit posting, or compensation. After this period, the User may no longer contest the postings, granting full and definitive discharge to Revenu.

The User may, at any time, provided they have sufficient balance to cover the withdrawal fee, applicable bank fees, and payment of any debts owed to Revenu, fully withdraw the funds held in the Digital Account, as well as close it, upon request to Revenu via the System.

The withdrawal of funds will be carried out at the User's request, through the transfer of the net amount in national currency, according to the methods established for using the funds held in the Digital Account.

If available, the User may also request that the credit resulting from transactions be transferred to a third-party bank account, on behalf of and under the User's instruction.

The User is responsible for the accuracy of the information provided regarding the bank account, whether their own or a third party's (if available); exempting Revenu from any liability for transfers made due to inaccurate or incorrect information provided by the User.

If it is not possible to withdraw funds due to irregularities in the indicated bank account, the respective amounts will remain retained in the Digital Account until regularization by the User, without any charges, penalties, or fees.

In the event of a technical and/or operational failure in the System or the banking system, Revenu may, without incurring any charges or penalties, exceed the established timeframe to complete the Digital Account withdrawal by up to 01 (one) business day.

If the scheduled withdrawal date falls on a holiday or a non-banking business day, the payment will be made on the next 1st (first) business day.

Non-use of the Digital Account, defined as no activity for a period of 06 (six) months, will result in an inactivity fee to cover maintenance expenses, which will be deducted from the existing balance in the Digital Account.

Once the User has no balance in their account for more than 90 (ninety) days, their Digital Account will be closed by Revenu without prior notice.

In consideration for the provision of technology services that integrate the System, custody and management of funds in the Digital Account, and the license to use the Functionalities, the User will pay Revenu the fees, fixed or percentage-based, applicable to each Transaction carried out.

The User will pay Revenu:

• fee for each Transaction carried out in the System;
• withdrawal fee for funds;
• fee for inactivity of the Digital Account;
• fee for transferring funds to a third-party bank account (if available);
• additional fees for other services provided by Revenu and described in specific contractual instruments, cumulatively with other fees.

The amount of fees will be informed to the User at Registration and/or published on the Platform at the time of the Transaction.

The fees charged by Revenu vary according to the nature of each Transaction, and are always available for consultation by the User on the Platform or upon request through the available customer service channels.

For the collection of fees, including for additional services contracted by the User, Revenu may, alternatively:

• record debit entries in the Digital Account;
• offset the amount of debits with any other credits, present or future, owed to the User.

If there are insufficient funds to pay the fees, Revenu will request that the User immediately credit their Digital Account. As soon as there are funds in the Digital Account, the amounts will be automatically debited without prior notice.

Without prejudice to the suspension of services provided through the System, if the User fails to credit their Digital Account, the late payment charges stipulated in this Contract will apply.

Revenu may adjust or change the amount of fees charged, informing the User in advance, by e-mail or prior notice on the Platform.

If the User does not agree with the new remuneration conditions, they may terminate this Contract without any charges or penalties. Failure to terminate will be interpreted as consent to the new fee amounts charged.

If taxes are created or the conditions for calculating and/or collecting taxes on the current remuneration are changed, Revenu, with 10 (ten) days’ prior notice, will adjust the fees charged to restore economic-financial balance.

Revenu may establish other forms of remuneration, including for additional services that may be agreed upon in separate contractual instruments, with prior communication to the User, 10 (ten) days in advance.

After registration in the System, the User may, at any time, request the cancellation of their enrollment and the closure of their Digital Account with prior formal notice to Revenu, 30 (thirty) days in advance.

The User agrees that Revenu, at its sole discretion, may sell, assign, pledge, or otherwise dispose of receivables arising from its remuneration, without affecting the User's right to receive the net amount resulting from the transactions.

This Contract is entered into for an indefinite term, and takes effect from the date of the User's free, express, and unequivocal consent.

This Contract may be terminated at any time, upon 30 (thirty) days’ prior notice, by either Party.

Except for the cases below, the termination of this Contract shall occur without any charges, fees, or penalties; except for pending obligations which must be duly fulfilled for the necessary period.

Immediate and justified termination of this Contract shall occur in the following cases:

• declaration of bankruptcy, request for judicial or extrajudicial recovery, or cessation of activities of either Party, at the sole discretion of the other Party;
• breach of any obligation established in this Contract that is not remedied within the stipulated period or, in the absence of a stipulated period, within 10 (ten) days from the notification or notice.

If the termination of the Contract occurs due to the User’s fault, it is hereby established that their access to the Platform and the System will be immediately blocked, with suspension of their Digital Account and retention of the User’s credits for the time necessary to safeguard the rights of Revenu, other Users, and third parties; without prejudice to the adoption of other necessary legal measures and the assessment and compensation of any additional damages.

The User is responsible for the accuracy and truthfulness of the provided data and acknowledges that any inconsistency may result in the inability to use the services and tools provided by Revenu.

During the use of the services, in order to safeguard and protect the rights of third parties, the User agrees to provide only their personal data and not that of third parties. The login and password may only be used by the registered User. The User agrees to keep the password confidential, which is personal and non-transferable, and in no case may claim misuse after sharing it.

The User is responsible for updating their personal data and for the consequences of any omission or errors in the provided information; the User is liable for all direct or indirect damages caused to the Public Administration, Revenu, any other User, or any third party, including due to non-compliance with these Terms of Use and Privacy Policy or any act performed using their access to the service.

Revenu shall not be held liable for the following:

• Equipment infected or hacked by attackers;
• Equipment damaged at the time of using the services;
• Protection of the computer and/or smartphone;
• Protection of information stored on Users' computers;
• Abuse of Users' computers;
• Unauthorized monitoring of Users' computers;
• Vulnerabilities or instabilities present in Users' systems;
• Unsafe perimeter;
• Under no circumstances shall Revenu be responsible for installing malicious codes (viruses, trojans, malware, worms, bots, backdoors, spyware, rootkits, or any others that may be created) on the User’s or third-party equipment as a result of the User’s Internet browsing.

All taxes applicable to the provision of services and the license to use the Functionalities available in the System are the sole responsibility of the User, and Revenu may deduct the corresponding amounts from the User's credits.

Bank transfers, boleto payments, and other operations may be subject to fees, charges, or costs, according to the criteria and amounts established by financial institutions; Revenu has no influence over the amounts charged to the User.

The User acknowledges and agrees that Transactions through the System are subject to applicable laws, including anti-money laundering, counter-terrorism financing, and anti-corruption legislation; the transfer of Transaction amounts is subject to strict compliance with applicable law.

To use the Functionalities and access the System, the User must have equipment (computer, smartphone, tablet, or other similar devices) with Internet access and in conditions compatible with its use, being solely responsible for obtaining, maintaining, and funding such access and necessary equipment (including taxes, fees, or charges from service providers). Revenu shall not be responsible for the non-execution of a transaction due to equipment incompatibility or lack/failure of Internet access.

The User agrees to indemnify Revenu from any claim or judicial or extrajudicial dispute arising from the use of the System, including regarding the User's own activities and legal transactions conducted outside the System. The User shall reimburse Revenu for all amounts provenly spent in lawsuits or administrative proceedings filed against Revenu due to non-compliance by the User. Revenu may retain User credits and offset them to cover debts resulting from judgments, costs, and procedural expenses, including attorneys’ fees.

Revenu has a Privacy Policy indicating how data of the Data Subjects is collected, used, stored, processed, shared, disclosed, and protected. The User must carefully read the Privacy Policy, which is an integral part of this Contract.

Revenu will adopt all necessary measures and use appropriate technologies to protect the collection, processing, and storage of User data; however, it cannot guarantee that unauthorized third parties will not use fraudulent means to steal, misuse, alter, or access the User’s data.

By agreeing to these Terms and Conditions of Use, the User also provides their free, express, and unequivocal consent to the Terms and Conditions of Use and other policies.

Revenu authorizes the User to use the Functionalities that are part of the System, owned by Revenu, during the term of this Contract, under the terms and conditions herein established.

The User acknowledges and agrees that the intellectual property of the Functionalities is the full and exclusive property of Revenu.

The User is prohibited from:

• Copying or transferring, in any form, wholly or partially, any Functionalities or information related to the Functionalities;
• Modifying the characteristics of the Functionalities or integrating them with other systems or software;
• Copying data extracted from the System, except for those related to the User’s Digital Account transactions;
• Undertaking not to infringe any rights related to trademarks, patents, software, Internet domain, trade secrets, or any Industrial Property or copyright of any services or Functionalities provided under this Contract;
• Using the name, trademark, logo, or any distinctive sign of Revenu or its partners without prior written consent.

Revenu may establish partnerships with Providers, offering the User the possibility of contracting various services and products available on the Platform.

Regarding Third-Party Services, Revenu is merely an intermediary between the User and the Provider, since the technology available on the Platform aims to bring the parties together.

Revenu will provide information on the Platform about providers, their products, and services, enabling the User to contract directly with such providers.

For the use of Third-Party Services, the User may or may not be redirected to a website or another platform. In addition, providers may require new information, documents, and/or data related to the User.

As this is an intermediation activity, Revenu has no influence over the conditions, prices, or execution of Third-Party Services, including contract terms, document requests, and other relevant acts.

Providers are solely and exclusively responsible for all matters related to the Third-Party Services offered on the Platform.

Revenu cannot, under any circumstances, be held liable for any complaints arising from the contracting of Third-Party Services; the User must contact the responsible Provider directly.

The Provider is exclusively responsible for all information disclosed on the Platform regarding Third-Party Services, including images, characteristics, and respective prices, as well as for the quality, existence, quantity, safety, delivery, and warranty of what is promised; therefore, Revenu will not exercise any control or oversight and will have no responsibility for the Third-Party Services and/or the accuracy of the information made available on the Platform.

Furthermore, Revenu is not responsible for the integrity, technical-operational capacity, or financial capacity of the Providers, acting only as a mere intermediary in their relationship with the User.

The publisher reserves the right to modify these rules on the website at any time, especially to adapt them to the evolution of Revenu's services, whether by providing new functionalities or by removing or modifying existing ones in the Terms of Use and Privacy Policy.

The User is also subject to changes and amendments to the terms of use.

Any change and/or update to the Terms of Use and Privacy Policy will take effect from the date of its publication on the service website and must be fully observed by the Users.

The User acknowledges and agrees that, regardless of the location from which they are using the services that are part of the System, the relationship between the Parties will always be governed by Brazilian law.

The User expressly authorizes Revenu to use the data, even if related to their Registration, Digital Account, bank account, and Transactions carried out in the system, for the formation of a database, preserving the individuality and identification of each user.

The User authorizes Revenu to verify and exchange registration, credit, and/or financial information about them at a national level, with financial entities or credit protection agencies, including making queries to credit risk systems regarding any debts of the User and providing the mentioned authority with registration and credit information.

Under the applicable law and the Privacy Policy, the User agrees that Revenu or any of its partners may send informative or advertising messages.

Revenu will assist and cooperate with any judicial authority, regulatory body, or public agency that requests information, and may, in such case, provide any information about the User regarding the use of the Platform.

The Parties elect the Court of the City of São Paulo/SP as the sole competent jurisdiction to resolve any issues arising from this Agreement, with express waiver of any other, however privileged it may be.

This instrument governs the use of the Pix product available to holders of the digital transactional account (“User”), in accordance with BCB Resolution No. 1, dated 08/12/2020. The User is advised to read it carefully, as by adhering to this instrument, the User accepts and agrees with all its terms, as well as its acceptance each time the Pix product is used.

Pix is the instant payment arrangement established by the Central Bank of Brazil (“BCB”), intended to facilitate the transfer of funds between accounts, allowing the User to carry out transfer or receipt transactions 24 (twenty-four) hours a day, every day of the year (“Pix Transactions”).

For the User to use the Pix product in their Digital Account, it will be necessary to request registration of a “Pix Key” through the Internet Banking portal or the Revenu app. The “Pix Key” is information related to the account holder, stored in the Directory of Transaction Account Identifiers (“DICT”); it allows the paying User to identify the receiving User's account, facilitating instant payment processes and mitigating fraud risks within Pix.

By requesting registration of the “Pix Key,” the User authorizes Revenu to register a Pix Key linked to their account in the DICT, and is aware that the following data will be stored: Individuals: CPF number, mobile number, email; Legal Entities: CNPJ number, mobile number, email. Registration requests for a “Pix Key” that correspond to an already registered Pix Key, refer to a Pix Key linked to a transactional account of another institution in the Instant Payments System, or contain syntax errors or incorrect registration order will not be accepted.

If the User has registered a “Pix Key” in an account of another institution, they may request portability of the “Pix Key” to their Revenu account. After requesting Pix Key registration, the User may use the Pix product for payments and receipts via the Internet Banking portal or the Revenu app.

By adhering to this instrument, Users, both individuals and legal entities, declare that they are aware of the cases of free usage and applicable fees as provided in Revenu’s Fee Policy.

The User acknowledges and agrees that, when acting as a receiving User, data such as their name, digital account, and “Pix Key” will be made available to the paying User intending to transfer funds.

The holder of the Digital Account acknowledges and agrees that, when acting as a paying User: Instant payment via Pix will only be executed if there are sufficient funds in the paying holder's account at the time of the transaction.

Revenu may limit the daily number of Pix transfers, as well as establish transaction amount limits, based on criteria to mitigate fraud risks and violations of anti-money laundering and counter-terrorism financing regulations, also considering the profile of the paying User.

The User acknowledges and agrees that the “Pix” brand (“Pix Brand”) is owned by the Central Bank of Brazil, granting the User no ownership rights or other benefits regarding the brand, which must be used strictly as authorized, in accordance with the Pix regulation and the brand manual.