Terms of Use

1 Identification of the Operator

This website is owned and operated by FCB HEALTH PUBLICIDADE LTDA, a limited liability company incorporated under the laws of Brazil, registered under CNPJ 02.995.792/0001-07, with registered address at Av. Pres. Juscelino Kubitschek, 1909, Conj. 191 Parte, Vila Nova Conceição, São Paulo — RS, CEP 04.543-907, Brazil.

For any questions relating to these Terms, you may contact us at contato@ipghealth.com or by phone at +55 (11) 3775-3522, Monday through Friday from 9am to 6pm (Brasília time).

2 Acceptance of Terms

By accessing, browsing or using this website in any way — including viewing content, making a purchase or submitting any form — you confirm that:

• You have read, understood and agree to be bound by these Terms of Use in their entirety
• You are at least 18 years of age or have reached the age of majority in your jurisdiction
• If you are accessing on behalf of an organization, you have authority to bind that organization to these Terms

3 Description of Services

FCB HEALTH PUBLICIDADE LTDA operates a digital platform offering educational and informational programs focused on personal wellness, lifestyle habits and daily routines. Our programs are delivered digitally and are designed for educational and informational purposes only.

Our services include, but are not limited to:

• Digital educational programs delivered via online access
• Supplementary content, guides and reference materials
• Access to participant support communities
• Digital certificates of completion

4 Digital Access & Purchases

When you complete a purchase on our website, the following terms apply:

• Immediate access: Digital access to purchased content is granted upon confirmation of payment
• Personal and non-transferable: Your access is for your personal use only and may not be shared, sold or transferred to third parties
• Lifetime access: Unless stated otherwise, a single purchase grants you lifetime access to the purchased digital content, including future updates
• Device compatibility: You are responsible for ensuring your device meets the technical requirements to access our digital content
• Account responsibility: You are responsible for maintaining the confidentiality of any account credentials and for all activity that occurs under your account

Prices are displayed in US Dollars (USD) unless otherwise stated. FCB HEALTH PUBLICIDADE LTDA reserves the right to modify pricing at any time; changes will not affect purchases already completed.

5 Refund Policy

We offer a 30-day satisfaction refund policy on all digital program purchases. If you are not satisfied with the content for any reason within 30 days of your purchase date, you are entitled to a full refund of the amount paid.

To request a refund:

• Contact us at contato@ipghealth.com within 30 days of your purchase
• Include your full name, the email address used at purchase and your order reference number
• We will process your refund within a reasonable time, typically within 5–10 business days

Conditions and limitations:

• Refund requests submitted after 30 days from purchase will not be eligible unless required by applicable consumer protection law
• Refunds are issued to the original payment method used at the time of purchase
• We reserve the right to deny refund requests where there is evidence of abuse of our refund policy

6 Intellectual Property

All content on this website — including but not limited to text, graphics, images, video, audio, program materials, design elements, logos and software — is the exclusive property of FCB HEALTH PUBLICIDADE LTDA or its licensed content providers, and is protected by applicable Brazilian and international copyright, trademark and intellectual property law.

You may not, without prior written authorization from FCB HEALTH PUBLICIDADE LTDA:

• Copy, reproduce, republish, upload, post or transmit any content from this website
• Distribute, sell, license or sublicense any part of our digital content to third parties
• Create derivative works based on our programs or materials
• Remove, alter or obscure any copyright, trademark or proprietary notices
• Use our content for any commercial purpose without express written consent

Your purchase grants you a limited, non-exclusive, non-transferable, personal license to access and use the purchased digital content for your own personal, non-commercial purposes.

7 Permitted & Prohibited Use

You agree to use this website and its content only for lawful purposes and in accordance with these Terms. The following conduct is strictly prohibited:

• Using the website in any way that violates applicable local, national or international law or regulation
• Attempting to gain unauthorized access to any part of our website, systems or networks
• Transmitting any unsolicited or unauthorized advertising, spam or promotional material
• Introducing viruses, malware or any other harmful code or technology
• Engaging in any conduct that restricts or inhibits anyone's use or enjoyment of the website
• Misrepresenting your identity or affiliation with any person or organization
• Collecting or harvesting any personally identifiable information from this website
• Using automated tools, bots or scrapers to access, download or index content from this website

FCB HEALTH PUBLICIDADE LTDA reserves the right to suspend or terminate access for any user who violates these Terms, without prior notice.

8 Disclaimer of Warranties

This website and all content, programs and services offered through it are provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied, to the fullest extent permitted by applicable law.

FCB HEALTH PUBLICIDADE LTDA expressly disclaims all warranties, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose or non-infringement
• That the website will be uninterrupted, error-free or free of viruses or other harmful components
• That the results obtained from use of the content will be accurate, reliable or meet your expectations
• That any errors in the content will be corrected

Individual results from using our educational programs will vary depending on personal effort, circumstances and other factors outside our control. No specific outcomes are promised or guaranteed.

9 Limitation of Liability

To the fullest extent permitted by applicable law, FCB HEALTH PUBLICIDADE LTDA, its directors, employees, agents and partners shall not be liable for any indirect, incidental, special, consequential or punitive damages arising from or related to your use of, or inability to use, this website or its content — including but not limited to loss of revenue, loss of data or loss of anticipated savings — even if we have been advised of the possibility of such damages.

In no event shall our total aggregate liability to you for any claims arising from these Terms or your use of the website exceed the amount you paid us in the 12 months preceding the event giving rise to the claim, or R$100.00, whichever is greater.

Nothing in these Terms shall limit or exclude our liability for death or personal injury caused by our negligence, or for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded by applicable law.

10 Third-Party Links & Content

This website may contain links to third-party websites, products or services. These links are provided for convenience only and do not constitute an endorsement, recommendation or guarantee by FCB HEALTH PUBLICIDADE LTDA of any third-party content, products or services.

We have no control over, and accept no responsibility for, the content, privacy practices or terms of any third-party websites. When you leave our website by following a link, you do so at your own risk. We encourage you to review the terms and privacy policies of any third-party sites you visit.

11 Privacy

Your use of this website is also governed by our Privacy Policy, which is incorporated into these Terms by reference. The Privacy Policy explains how we collect, use and protect your personal information in accordance with the Brazilian General Data Protection Law (LGPD).

By using this website, you consent to the collection and use of your information as described in our Privacy Policy.

12 Modifications to These Terms

FCB HEALTH PUBLICIDADE LTDA reserves the right to modify these Terms of Use at any time. When we make material changes, we will update the "Last updated" date at the top of this page and, where appropriate, provide notice through our website or by email.

Your continued use of this website after any changes are posted constitutes your acceptance of the revised Terms. If you do not agree to the updated Terms, you must stop using the website immediately.

We encourage you to review these Terms periodically to stay informed of any updates.

13 Governing Law & Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of Brazil, without regard to conflict of law principles.

Any disputes arising from or relating to these Terms or your use of this website shall be submitted to the exclusive jurisdiction of the courts of São Paulo, State of São Paulo, Brazil, unless otherwise required by applicable consumer protection law in your jurisdiction.

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

14 Contact Information

If you have any questions, concerns or requests relating to these Terms of Use, please contact us:

• Company: FCB HEALTH PUBLICIDADE LTDA — CNPJ 02.995.792/0001-07
• Address: Av. Pres. Juscelino Kubitschek, 1909, Conj. 191 Parte, Vila Nova Conceição, São Paulo — RS, CEP 04.543-907, Brazil
• Email: contato@ipghealth.com
• Phone: +55 (11) 3775-3522
• Hours: Monday to Friday, 9am–6pm (Brasília time)