Terms built for clarity.

1. Agreement to these Terms

These Terms form a binding agreement between you and ANA CLARA ROCHA CLAUDINO, doing business as ACR DIGITAL BUSINESS (“ACR,” “we,” “us” or “our”). By accessing or using a service, creating an account, starting a trial, or completing a purchase, you acknowledge that you have read and agree to these Terms and our Privacy Policy.

If you do not agree, do not use or purchase our services. Additional product-specific terms presented before purchase become part of this agreement.

2. Company information

3. Description of our services

ACR develops and operates digital solutions involving technology, education, automation and online business growth. Offerings may include health-focused InfoApps, SaaS products, online platforms, digital tools, educational content, process automation and related digital services.

The specific features, access period, system requirements, included content, limitations and customer deliverables are described on the applicable product or checkout page. Those descriptions are incorporated into these Terms. We may improve or update service features, provided that changes do not remove paid rights contrary to applicable law.

4. Eligibility and accounts

Our paid services are intended for persons who are legally capable of entering into a contract. By using a service, you represent that the information you provide is accurate, that you are authorized to use the selected payment method and that your use complies with applicable law.

You are responsible for maintaining the confidentiality of account credentials and for activity performed through your account. Notify us promptly of suspected unauthorized access. Accounts may not be sold, transferred or shared beyond any expressly permitted license.

5. Orders and digital delivery

Before purchase, the applicable page will identify what is being sold and whether access is one-time, time-limited or subscription-based. An order is accepted when payment is authorized and we make the purchased digital service available or send confirmation, subject to fraud and availability checks.

Digital access is generally delivered through an on-screen confirmation, email, account activation, download, link or access credentials. Delivery timing shown at checkout applies. You must provide a valid email address and check spam or filtered folders. If access is not received within the stated period, contact us at contact@acrdigitalbusiness.com.

No physical shipping applies unless a product page expressly states otherwise.

6. Pricing, currency and taxes

Prices and purchase currency are displayed before checkout. Because we may serve different markets, currency can vary by offer or customer location and will be identified using a currency code or clear description, such as BRL, USD or another supported currency.

The checkout will indicate whether applicable taxes are included or added. You are responsible for taxes, fees or foreign-exchange charges imposed by your bank or jurisdiction, except where we are legally required to collect and remit them. We may change future prices, but changes do not retroactively alter completed one-time purchases.

7. Payments and payment security

You authorize us and our payment providers to charge the displayed amount to your selected payment method. Payments may be processed by Stripe or another disclosed provider. Payment details entered into a hosted payment form may be transmitted directly to that provider and handled under its terms and privacy practices.

Payment processing is subject to fraud-prevention, authentication and authorization procedures. We may decline, cancel or request verification for suspicious, unauthorized or incomplete transactions. Card-data security is a shared responsibility, and our checkout and payment integrations must use HTTPS and applicable PCI DSS-aligned practices.

8. Subscriptions, renewals and cancellation

If an offer is a subscription, the price, billing interval, renewal terms and any minimum commitment will be disclosed before checkout. Unless clearly stated otherwise, subscriptions renew automatically at the end of each billing period until cancelled.

You authorize recurring charges to the payment method on file. You may cancel through any cancellation method described in the product, account area or purchase confirmation, or by emailing contact@acrdigitalbusiness.com. Cancellation prevents future renewals when received before the next billing date. Unless required by law or stated in the Refund Policy, cancellation does not automatically refund amounts already charged, and access may continue until the end of the paid period.

If a recurring payment fails, we may retry the charge, request an updated payment method, limit access or suspend the subscription after reasonable notice.

9. Refunds and charge concerns

Refund eligibility, request periods, exclusions, processing method and expected timing are explained in our Refund Policy, which forms part of these Terms. Nothing in these Terms limits mandatory consumer rights that cannot legally be waived.

Before initiating a payment dispute, please contact us so we can investigate access, billing or delivery issues. This does not remove any rights you have with your bank or under applicable law.

10. Trials, discounts and promotions

Any trial, coupon, discount or promotion is subject to the specific eligibility, duration, price, conversion, renewal and expiration conditions displayed with the offer. Unless stated otherwise, promotions cannot be combined, transferred, redeemed for cash or applied retroactively.

If a trial converts into a paid subscription, the conversion date, price and billing frequency must be disclosed before enrollment. You may cancel before the disclosed charge date to avoid the first recurring charge.

11. Acceptable use

You may use the services only for lawful personal or authorized business purposes and according to the license provided. You must not:

• Use the services for unlawful, fraudulent, harmful or deceptive activity.
• Attempt unauthorized access, probe security, introduce malicious code or interfere with service operation.
• Copy, resell, sublicense, scrape or redistribute protected content except where expressly permitted.
• Reverse engineer or attempt to extract source code except where such restriction is prohibited by law.
• Impersonate another person, submit false information or misuse another person’s data.
• Use the services to make unlawful, discriminatory or high-risk decisions about another person.
• Violate intellectual-property, privacy, consumer-protection, export or other applicable laws.

12. Health and wellness disclaimer

Health-focused InfoApps and content are provided for general informational, educational and organizational purposes. They are not medical devices unless expressly identified as such, and they do not provide diagnosis, treatment, emergency care or a substitute for advice from a qualified healthcare professional.

Individual results vary. Do not disregard professional medical advice or delay seeking it because of information presented through a service. Consult a qualified professional before making material changes to diet, exercise, medication or treatment, particularly if you have a medical condition, are pregnant, use medication or experience concerning symptoms. In an emergency, contact local emergency services.

13. AI-assisted and personalized content

Some services may use automated systems or artificial intelligence to organize information, generate suggestions or personalize a user experience. Automated outputs can be incomplete, inaccurate or unsuitable for a specific situation. You are responsible for reviewing outputs and applying appropriate judgment before relying on them.

AI-assisted content does not constitute medical, legal, financial or other regulated professional advice. Material decisions should be confirmed with a qualified professional.

14. Intellectual property and license

The services, software, interfaces, designs, text, graphics, trademarks and other materials provided by ACR are owned by or licensed to us and are protected by applicable intellectual-property laws. Subject to payment and compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable and revocable right to access the purchased service for its intended purpose.

No ownership rights are transferred to you. Feedback may be used to improve our services without restriction, provided that we do not publicly identify you without permission.

15. Suspension and termination

You may stop using the services at any time, subject to subscription cancellation and refund rules. We may suspend or terminate access where reasonably necessary because of nonpayment, security risk, fraud, illegal conduct, material breach of these Terms or risk to other users or the service.

Where appropriate, we will provide notice and an opportunity to resolve the issue. Sections that by their nature should survive termination—including payment obligations, intellectual property, disclaimers, liability and dispute provisions—remain effective.

16. Availability and warranties

We work to provide reliable digital services but cannot promise uninterrupted, error-free or universally compatible operation. Maintenance, internet conditions, third-party services, security events or circumstances beyond our reasonable control may affect availability.

To the maximum extent permitted by law, services are provided “as is” and “as available,” without warranties not expressly stated in the applicable offer. This clause does not exclude warranties or consumer protections that cannot be excluded under applicable law.

17. Limitation of liability

To the maximum extent permitted by applicable law, ACR will not be liable for indirect, incidental, special, exemplary or consequential losses, lost profits or loss of data arising from use of the services. Where liability may lawfully be limited, our aggregate liability relating to a paid service will not exceed the amount you paid for that service during the twelve months preceding the event giving rise to the claim.

These limitations do not apply where prohibited by law, including liability that cannot be excluded under applicable consumer-protection rules.

18. Privacy and third-party services

Our Privacy Policy explains how we process personal data. Services can include links or integrations operated by third parties. Their terms and privacy practices apply to their services, and we are not responsible for content or practices outside our control.

19. Changes to services and Terms

We may update these Terms to reflect changes in services, law, security or business practices. The current version will be posted with an updated effective date. When required by law or when a change materially affects existing rights, we will provide appropriate notice. Continued use after the effective date constitutes acceptance where permitted by law.

20. Governing law and disputes

These Terms are governed by the laws of the Federative Republic of Brazil, without limiting any mandatory rights available in the consumer’s place of residence. The parties should first attempt to resolve concerns through our customer-support channel.

Subject to mandatory consumer and jurisdiction rules, disputes may be submitted to the competent courts of Londrina, Paraná, Brazil. If any provision is found unenforceable, the remaining provisions continue in effect. Failure to enforce a provision is not a waiver.

21. Customer support and contact

For questions about services, billing, delivery, subscriptions, cancellations or these Terms, contact us directly: