Terms of Use

hiSofi provides a digital platform that allows users to identify existing debts with partner creditors and access negotiation and payment options, under conditions defined directly by such creditors.

hiSofi acts as a technological intermediary between creditors and users, enabling the communication, negotiation and payment of financial obligations, without interfering in the commercial conditions originally established between the parties.

hiSofi may act:

• as Controller, in the processing of personal data arising from navigation and direct use of the portal; and
• as Processor, when processing personal data on behalf of contracting creditors, in the context of providing communication and collection management services.

The negotiation conditions, values, discounts and payment methods are established exclusively by the creditors, and are not defined or altered by hiSofi.

Access to certain platform features may require prior registration by the user.

The user declares that:

• they have legal capacity to use the services;
• they will provide true, updated and complete information;
• they will maintain the confidentiality of their access credentials.

Misuse of the platform may result in the suspension or deletion of the user account.

By using the platform, the user acknowledges that they may receive communications related to debts, negotiations or payments through:

• email
• phone
• SMS
• messaging apps
• portal notifications

Such communications may occur on behalf of partner creditors, as per instructions provided by them, under applicable law.

hiSofi will make its best efforts to ensure the availability and security of the platform.

Temporary unavailability may occur due to:

• technical maintenance;
• third-party failures;
• events beyond the reasonable control of hiSofi.

hiSofi is not a party to the credit relationship between user and creditor, being responsible exclusively for providing the technological platform.

The creditor remains responsible for:

• validity of the debt;
• definition of negotiation conditions;
• payment clearance;
• issuance of documents related to the obligation.

hiSofi's liability for any damages arising from the use of the platform will be limited to direct damages provably caused by its actions, except in cases of willful misconduct or gross negligence.

hiSofi adopts adequate technical and administrative measures to protect the personal data processed, as described in its Privacy Policy.

All rights relating to the hiSofi platform, including software, brand, layout, databases and content, are exclusively owned by hiSofi or its licensors.

Reproduction, modification or reverse engineering of the platform is prohibited without prior and express authorization.

The platform may contain links to third-party websites, whose use will be governed by their respective terms and privacy policies.

hiSofi is not responsible for the content or practices of such environments.

These Terms may be updated at any time, upon publication on the portal.

These Terms are governed by Brazilian law, with the courts of the District of São Paulo/SP elected to resolve any disputes.