Service Agreement

Last Updated: January 28, 2026

Welcome to Our Community

Hey there! Welcome to Libera (liberaco.com), operated by Libera Credito Solucoes Financeiras LTDA. By using our platform, you're agreeing to these terms - think of them as our friendly ground rules. We're here to help you on your financial journey, and these terms make sure we're all on the same page about how things work around here.

Who Can Join Us

To use Libera's services, you need to be at least 18 years old and legally able to enter into agreements. We want to make sure everyone using our platform is ready for the responsibility that comes with financial services. If you're under 18, we'd love to have you back when you reach the right age!

Your Libera Experience

Our platform is designed to be your financial companion, but we ask that you use it responsibly. Don't try to hack, spam, or misuse our services. Keep your login details safe, be honest in your interactions, and respect other users. We reserve the right to suspend or terminate accounts that don't follow these guidelines. Remember, you're responsible for all activity under your account.

Stay Connected with SMS

By providing your phone number, you're opting in to receive up to 4 SMS messages per week from Libera. These might include account updates, financial tips, or promotional offers. Message and data rates may apply from your carrier. Don't want messages anymore? Just text STOP to any message, and we'll remove you from our list. This complies with TCPA regulations because we care about your communication preferences.

What's Ours and What's Yours

All the cool stuff you see on Libera - our logo, design, content, and technology - belongs to us or our partners. You can use our platform, but please don't copy, distribute, or steal our intellectual property. On the flip side, when you share content with us, you're giving us permission to use it to improve our services. Fair's fair!

Important Health Disclaimer

If we offer any supplements or health-related products, remember they're not intended to diagnose, treat, cure, or prevent any disease. These statements haven't been evaluated by health authorities. Always consult with a healthcare professional before starting any new supplement regimen. Your health is important to us, but we're not doctors!

Service Modifications and Updates

We're always working to make Libera better for you! This means we might update these terms, change features, or modify our services from time to time. We'll do our best to let you know about significant changes, usually by posting updates on our platform or sending you a message. Continuing to use Libera after changes means you're cool with the new terms.

No Promises, But We Try Hard

While we work super hard to provide great service, we can't guarantee that everything will always be perfect. Our services are provided "as is" without warranties of any kind. We can't promise uninterrupted service, complete accuracy, or that our platform will meet all your specific needs. We're human, and sometimes things don't go exactly as planned!

Liability Limits

If something goes wrong, we're sorry! But our liability to you is limited to the amount you've paid us in the past 12 months. We won't be responsible for indirect damages, lost profits, or consequential losses. This might sound formal, but it helps us keep providing affordable services while protecting our business.

Legal Stuff and Getting Help

These terms are governed by Brazilian law, and any disputes will be handled in Brazilian courts. Questions, concerns, or just want to chat? We're here for you! Contact Libera Credito Solucoes Financeiras LTDA at [email protected], call us at +15035979136, or write to us at 92 Alameda Euvaldo Luz, Salvador, BA 41098020, Brazil (CNPJ: 48974783000130). For privacy questions, check out our Privacy Policy on our website.