Terms of Use
Acceptance of Terms
By accessing the Ratioforma Website, you agree to comply with these Terms of Use, all applicable laws and regulations, and acknowledge that you are responsible for complying with all applicable local laws. If you do not agree with any of these terms, you are prohibited from using or accessing this Website. The materials contained on this Website are protected by applicable copyright and trademark laws.
License to Use
Permission is granted to temporarily download one copy of the materials (information or software) available on this Website solely for personal, non-commercial viewing. This license does not transfer ownership, and under this license you may not:
- Modify or copy the materials;
- Use the materials for any commercial purpose or public display (commercial or non-commercial);
- Decompile or reverse engineer any software contained on the Website;
- Remove any copyright or other proprietary notices from the materials;
- Transfer the materials to another person or “mirror” the materials on any other server.
If you violate any of these conditions, this license will automatically terminate without prior notice, and Ratioforma may take any appropriate legal or administrative action. Upon termination of this license or when you stop viewing the materials, you must delete any downloaded materials in your possession, whether in electronic or printed format.
Disclaimer
The materials on this Website are provided “as is.” Ratioforma makes no warranties, express or implied, and hereby disclaims all other warranties, including, without limitation, implied warranties of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other rights.
Ratioforma does not warrant the accuracy, likely results, or reliability of the use of the materials on this Website, nor does it assume responsibility for any errors, omissions, or outdated information.
We do not guarantee that the Website will operate without interruptions, defects, or protection against third-party attacks (such as viruses, malware, or server failures).
Limitations of Liability
In no event shall Ratioforma or its suppliers be liable for any damages (including, without limitation, damages resulting from loss of data, loss of profits, or business interruption) arising out of the use of or inability to use the materials on the Website, even if Ratioforma or an authorized representative has been notified orally or in writing of the possibility of such damages.
Accuracy of Materials
The materials displayed on the Ratioforma Website may contain technical, typographical, or photographic errors. Ratioforma does not warrant that any of the materials on its Website are accurate, complete, or current. Ratioforma may make changes to the materials contained on its Website at any time without prior notice. However, Ratioforma does not undertake any obligation to update the materials.
Links
This Website may contain links to third-party websites that are not affiliated with Ratioforma. These links are provided solely for the convenience of users. Ratioforma has not reviewed all linked websites and is not responsible for the content, privacy policies, or practices of any third-party website. The inclusion of any link does not imply endorsement by Ratioforma. Accessing any third-party website is at the user’s own risk.
Modifications
Ratioforma reserves the right to revise these Terms of Use at any time without prior notice. By continuing to use the Website after such revisions, you agree to be bound by the current version of these Terms of Use. We recommend that you review this page periodically to stay informed of any changes.
Governing Law
These Terms of Use shall be governed by and construed in accordance with the laws of the Federative Republic of Brazil, without regard to its conflict of law principles.
Any controversy, question, or dispute relating to these Terms shall first be addressed through good-faith negotiations between the parties in an attempt to reach an amicable resolution. If no agreement is reached, either of the following procedures may be initiated:
a) Arbitration, conducted by a recognized arbitration institution in accordance with its applicable rules;
b) If the parties do not agree to arbitration, the dispute shall be submitted to the competent court in the user’s place of residence.
If the user chooses not to pursue arbitration, they may file legal proceedings before the court with jurisdiction over their place of residence, to the exclusion of any other court, regardless of any privilege otherwise applicable.
Legal Notice
Original Content and Updates
All publications and materials made available on Ratioforma are the responsibility of their respective authors. We strive to ensure that all information is accurate and up to date; however, the Website is not responsible for any outdated information, errors, or omissions.
Advertising and Sponsored Content
Ratioforma displays third-party advertisements (through advertising networks such as Google AdSense) and may contain sponsored links or affiliate marketing programs. We do not have complete control over the content displayed in advertisements and do not guarantee any products or services promoted by third parties. The display of advertisements does not constitute our endorsement of, or responsibility for, such products or services.
Third-Party Responsibility
Events, offers, products, or services promoted through advertisements or external links are the sole responsibility of the respective advertisers or service providers. Ratioforma shall not be held responsible for the performance, quality, availability, or fulfillment of any obligations by such third parties.
Last updated: July 17, 2026.
