# TERMS OF USE
**Last Updated: September 15, 2026**
Welcome to the websites, sales pages, platforms, products, services, courses, digital content, and other online properties operated by **Mercado E-commerce Treinamento e Consultoria Ltda.** (“Mercado E-commerce,” “Company,” “we,” “us,” or “our”).
These Terms of Use (“Terms”) govern your access to and use of our websites, products, services, digital materials, educational content, books, eBooks, courses, training programs, software tools, artificial intelligence tools, and any other products or services offered by Mercado E-commerce.
By accessing our website, purchasing a product, creating an account, or using any of our products or services, you acknowledge that you have read, understood, and agree to be bound by these Terms.
If you do not agree with these Terms, you should not use our website, products, or services.
## 1. COMPANY INFORMATION
The products and services offered through this website are provided by:
**Mercado E-commerce Treinamento e Consultoria Ltda.**
CNPJ: 24.732.602/0001-00
Rua Pernambuco, 1389 – Suite 1409
Belo Horizonte, Minas Gerais
Brazil
For purposes of these Terms, references to “Mercado E-commerce,” “Company,” “we,” “our,” or “us” refer to Mercado E-commerce Treinamento e Consultoria Ltda.
## 2. ELIGIBILITY
You must be at least 18 years old, or the age of legal majority in your jurisdiction, to purchase our products or enter into a binding agreement with us.
By making a purchase, you represent that you have the legal capacity to enter into this agreement and that the information you provide is accurate and complete.
If you are purchasing on behalf of a company or other organization, you represent that you have authority to bind that organization to these Terms.
## 3. PRODUCTS AND SERVICES
Mercado E-commerce may offer products and services including, but not limited to:
* Digital books and eBooks;
* Printed books and physical products;
* Online courses and training programs;
* Educational videos and classes;
* Templates, guides, checklists, and downloadable materials;
* Consulting and mentoring programs;
* Software and digital tools;
* Artificial intelligence tools;
* Memberships and online communities;
* Other educational or commercial products and services.
The specific features, contents, delivery method, price, bonuses, access period, guarantees, and conditions applicable to each product will be described on the applicable sales or checkout page.
In the event of a conflict between these general Terms and specific terms clearly disclosed on a product’s sales or checkout page, the specific terms presented for that offer will apply to that purchase, to the extent permitted by applicable law.
## 4. PRODUCT IMAGES AND ILLUSTRATIONS
Images, photographs, mockups, graphics, product representations, device screens, book covers, packaging, and other visual elements displayed on our websites, sales pages, advertisements, or promotional materials are provided **for illustrative purposes only**.
Such images are intended to help demonstrate, represent, or contextualize the product or service being offered and may include digital mockups, simulations, artistic representations, or staged images.
The actual product, format, appearance, dimensions, colors, packaging, interface, or other characteristics may differ from the images displayed, where applicable.
Customers should rely on the **written product description, specifications, format, delivery method, and conditions stated on the applicable sales page or checkout page** when making a purchase decision.
Nothing in this section is intended to permit misleading representations or to limit any consumer rights that cannot be waived under applicable law.
## 5. DIGITAL PRODUCTS AND DELIVERY
Digital products may be delivered through email, download links, membership platforms, online course platforms, third-party platforms, or other electronic means.
When purchasing a digital product, you are responsible for providing a valid email address and maintaining access to the email account used during your purchase.
Delivery of digital content is generally initiated after payment confirmation.
Certain products may require you to create an account or access a third-party platform.
You are responsible for maintaining the confidentiality of your login credentials and for all activities performed through your account.
## 6. PHYSICAL PRODUCTS AND SHIPPING
When physical products are offered, applicable shipping costs, estimated delivery times, geographic restrictions, and other shipping conditions will be disclosed during the purchasing process whenever applicable.
Shipping and delivery estimates are estimates and may be affected by carriers, customs authorities, weather conditions, incorrect addresses, or other circumstances outside our reasonable control.
If we are unable to ship an order within the time stated in the offer, or within the period otherwise required by applicable law, we will provide any notice, cancellation opportunity, consent request, or refund required by applicable law.
Customers are responsible for providing a complete and accurate shipping address.
International orders may be subject to customs duties, taxes, import fees, or other governmental charges. Unless expressly stated otherwise during checkout, such charges are the responsibility of the customer.
## 7. PRICES AND PAYMENT
Prices are displayed in the currency indicated on the applicable sales or checkout page.
For products marketed to customers in the United States, prices may be displayed in U.S. dollars (USD).
You agree to pay the total price and any applicable taxes, shipping charges, or other charges clearly disclosed before completing your purchase.
Payments may be processed by third-party payment processors. Your use of those payment services may also be subject to the payment provider’s own terms and privacy policies.
We reserve the right to change our prices at any time. Price changes will not retroactively affect purchases already completed.
## 8. REFUNDS AND GUARANTEES
Refund and guarantee terms may vary depending on the product.
When a product includes a money-back guarantee, trial period, cancellation right, or specific refund policy, the applicable conditions and period will be clearly disclosed on the sales page, checkout page, or other materials associated with that offer.
For example, certain products may include a **7-day money-back guarantee**. When such a guarantee is expressly offered, eligible customers may request a refund within the stated period in accordance with the conditions disclosed at the time of purchase.
Unless otherwise required by applicable law, products that do not expressly include a refund guarantee are subject to the refund terms disclosed at the time of purchase.
Nothing in these Terms is intended to limit any non-waivable refund, cancellation, or consumer protection rights available under applicable federal, state, or local law.
Approved refunds will generally be issued through the original payment method whenever reasonably possible.
## 9. EDUCATIONAL PURPOSES
Our books, courses, training programs, tools, materials, and other content are provided for educational and informational purposes.
Mercado E-commerce provides education related to areas such as sales, marketing, retail, e-commerce, customer behavior, digital marketing, artificial intelligence, and business strategies.
The information provided does not constitute legal, accounting, tax, investment, financial, or other regulated professional advice.
You are responsible for evaluating whether the strategies and information presented are appropriate for your individual circumstances and business.
## 10. NO GUARANTEE OF RESULTS
We strive to provide practical, high-quality educational content. However, business and sales results vary significantly from person to person and business to business.
We do not guarantee that you will achieve any particular level of revenue, sales, profit, business growth, customer acquisition, inventory turnover, or other financial or commercial result.
Examples, testimonials, case studies, demonstrations, and customer stories are provided to illustrate how certain strategies may be applied or what particular customers have experienced. They should not be interpreted as a promise or guarantee that you will achieve identical or similar results.
Your results may depend on numerous factors, including your market, products, pricing, experience, implementation, effort, location, audience, economic conditions, and other circumstances outside our control.
## 11. ARTIFICIAL INTELLIGENCE TOOLS
Some of our products or services may include or provide access to artificial intelligence features or tools.
Artificial intelligence systems may generate inaccurate, incomplete, unexpected, or inappropriate results.
You are responsible for reviewing and evaluating AI-generated content before using, publishing, distributing, or relying upon it.
We do not guarantee that AI-generated results will be error-free, unique, accurate, suitable for a specific purpose, or free from similarities to content generated for other users.
Users remain responsible for ensuring that their use of AI-generated materials complies with applicable laws, third-party rights, advertising rules, platform policies, and intellectual property requirements.
## 12. INTELLECTUAL PROPERTY
Unless otherwise expressly stated, all content made available by Mercado E-commerce—including books, eBooks, courses, videos, lessons, methods, frameworks, designs, graphics, text, images, presentations, templates, training materials, software, branding, and other proprietary materials—is owned by or licensed to Mercado E-commerce and is protected by applicable intellectual property laws.
Purchasing a product gives you a limited, personal, non-exclusive, non-transferable license to access and use the purchased materials for your own lawful purposes.
Purchasing a product does not transfer ownership of any intellectual property rights to you.
## 13. PROHIBITED USE OF CONTENT
Unless we provide express written authorization, you may not:
* Copy or reproduce our products for distribution;
* Resell or redistribute our digital products;
* Share paid access credentials with third parties;
* Upload our paid materials to file-sharing websites or platforms;
* Reproduce substantial portions of our books or courses;
* Record and redistribute our training programs;
* Sell, sublicense, or commercially exploit our proprietary materials;
* Remove copyright, trademark, or ownership notices;
* Falsely represent our content as your own.
Nothing in this section is intended to restrict rights that cannot lawfully be restricted, including rights that may exist under applicable copyright exceptions or other applicable law.
## 14. ACCEPTABLE USE
You agree not to use our websites, platforms, tools, or services to engage in unlawful, fraudulent, abusive, harmful, or unauthorized activities.
You may not attempt to interfere with the security or operation of our websites or platforms, gain unauthorized access to accounts or systems, distribute malware, scrape protected content in violation of applicable law or contractual restrictions, or use our services in a manner that infringes the rights of others.
We may suspend or terminate access when we reasonably believe these Terms have been materially violated.
## 15. THIRD-PARTY SERVICES
Our websites and products may integrate with or contain links to third-party websites, payment processors, hosting services, social networks, messaging platforms, artificial intelligence providers, course platforms, or other external services.
Those third parties operate independently and may have their own terms of service and privacy policies.
We are not responsible for the availability, policies, security practices, content, or actions of independent third-party services.
## 16. TESTIMONIALS AND REVIEWS
Customers may voluntarily provide reviews, testimonials, comments, or feedback regarding our products and services.
We will not prohibit or penalize customers for providing honest reviews or opinions about their experiences.
If you voluntarily submit a testimonial, review, photograph, video, or other content to us for promotional use, any use of that material will be subject to the authorization provided by you and applicable law.
## 17. COPYRIGHT COMPLAINTS
We respect intellectual property rights.
If you believe content available through our services infringes your copyright or other intellectual property rights, please contact us with sufficient information to identify the protected work, the allegedly infringing material, your contact information, and the basis for your claim.
We may remove or restrict access to content when appropriate.
## 18. DISCLAIMER OF WARRANTIES
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR WEBSITES, EDUCATIONAL MATERIALS, DIGITAL PRODUCTS, AND SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.
EXCEPT FOR WARRANTIES THAT CANNOT LEGALLY BE DISCLAIMED, WE MAKE NO EXPRESS OR IMPLIED WARRANTIES REGARDING THE OPERATION, AVAILABILITY, ACCURACY, COMPLETENESS, RELIABILITY, OR FITNESS FOR A PARTICULAR PURPOSE OF OUR PRODUCTS OR SERVICES.
THIS SECTION DOES NOT AFFECT ANY STATUTORY WARRANTY OR CONSUMER RIGHT THAT CANNOT BE WAIVED UNDER APPLICABLE LAW.
## 19. LIMITATION OF LIABILITY
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MERCADO E-COMMERCE AND ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AND AFFILIATES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM OR RELATED TO YOUR USE OF OUR PRODUCTS OR SERVICES.
WHERE PERMITTED BY LAW, OUR AGGREGATE LIABILITY ARISING OUT OF A PARTICULAR PURCHASE WILL NOT EXCEED THE AMOUNT ACTUALLY PAID BY YOU FOR THE PRODUCT OR SERVICE GIVING RISE TO THE CLAIM.
These limitations do not apply where prohibited by applicable law and do not exclude liability that legally cannot be limited or excluded.
## 20. INDEMNIFICATION
To the extent permitted by applicable law, you agree to indemnify and hold harmless Mercado E-commerce from third-party claims, damages, liabilities, and reasonable expenses arising from your unlawful use of our services, your material violation of these Terms, or your infringement of another person’s rights.
This obligation does not apply to claims resulting from our own unlawful conduct or where indemnification is prohibited by applicable law.
## 21. PRIVACY
Your use of our websites and services is also subject to our Privacy Policy.
Our Privacy Policy explains how we collect, use, store, and otherwise process personal information.
By using our services, you acknowledge that you have had the opportunity to review our Privacy Policy.
## 22. ELECTRONIC COMMUNICATIONS
By purchasing our products or contacting us electronically, you agree that transactional communications—including purchase confirmations, receipts, access instructions, security notifications, and customer service communications—may be provided electronically.
Marketing communications will be handled in accordance with applicable law and our Privacy Policy.
Where required, you may unsubscribe from promotional emails through the unsubscribe mechanism provided in those communications.
## 23. CHARGEBACKS AND PAYMENT DISPUTES
If you believe a charge was made incorrectly, we encourage you to contact our customer support so we can investigate and attempt to resolve the matter.
Nothing in these Terms limits your lawful right to dispute a charge with your bank, credit card issuer, payment provider, or other financial institution.
Fraudulent or knowingly false payment disputes may result in suspension of access to the associated products or services, to the extent permitted by law.
## 24. CHANGES TO PRODUCTS AND SERVICES
We may update, improve, replace, or discontinue features of our products or services from time to time.
For products sold with a defined access period or specifically promised features, we will honor our contractual obligations or provide an appropriate remedy where required by applicable law.
## 25. TERMINATION
We may suspend or terminate access to our services if a user materially violates these Terms, engages in fraud, infringes our intellectual property rights, compromises the security of our systems, or uses our services for unlawful purposes.
Termination does not eliminate any refund or consumer protection rights that cannot legally be waived.
## 26. GOVERNING LAW
Because Mercado E-commerce is a Brazilian company that may sell products to customers located in the United States and other jurisdictions, different mandatory consumer protection laws may apply depending on the customer’s location.
Except where mandatory consumer protection law requires otherwise, these Terms and the contractual relationship between you and Mercado E-commerce will be governed by the laws applicable to Mercado E-commerce at its principal place of business, without giving effect to conflict-of-law principles.
Nothing in these Terms is intended to deprive a consumer of mandatory protections available under applicable federal, state, or local law.
## 27. DISPUTE RESOLUTION
Before initiating formal proceedings, we encourage customers to contact us and provide a reasonable opportunity to resolve any dispute informally.
Nothing in these Terms prevents either party from exercising rights or remedies that cannot legally be waived.
Any jurisdiction, venue, arbitration, class-action waiver, or similar dispute-resolution provision applicable to a specific product or transaction must comply with the laws applicable to that customer and transaction.
## 28. SEVERABILITY
If any provision of these Terms is determined to be invalid, illegal, or unenforceable, that provision will be enforced to the maximum extent permitted by law, and the remaining provisions will remain in effect.
## 29. NO WAIVER
Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or of our right to enforce it later.
## 30. ENTIRE AGREEMENT
These Terms, together with the Privacy Policy and any specific terms disclosed on the applicable sales page, checkout page, guarantee, or product offer, constitute the agreement between you and Mercado E-commerce regarding your purchase and use of the applicable products or services.
## 31. CHANGES TO THESE TERMS
We may update these Terms periodically to reflect changes in our products, business practices, technologies, or applicable laws.
The updated version will be identified by the “Last Updated” date at the beginning of these Terms.
Material changes will apply prospectively to the extent required by applicable law.
## 32. CONTACT INFORMATION
Questions regarding these Terms, purchases, refunds, or our products may be directed to Mercado E-commerce through the customer support channels provided on the website or purchase platform.
**Mercado E-commerce Treinamento e Consultoria Ltda.**
CNPJ: 24.732.602/0001-00
Rua Pernambuco, 1389 – Suite 1409
Belo Horizonte, Minas Gerais
Brazil
**© 2026 Mercado E-commerce Treinamento e Consultoria Ltda. All Rights Reserved.**
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