Terms of Service

Last updated: [Pending: Date of last legal review].

These Terms of Service (the Terms) are entered into between Pedro Henrique de Arruda Loureiro, trading as Pedro Arruda Vendas, registration number CNPJ 55.043.222/0001-83, with its registered address at Rua Arthur Bliss, 85, Fundos Casa 1, Jardim Casablanca, São Paulo – SP, 05842-020, Brazil (we, us or our), and the business or organisation that accepts them (the Customer or you).

The Terms apply to the Insider Magazin analytics workspace and to this website. They become binding on the Customer when the Customer signs an order form that refers to them, or when it first uses the Service under such an order form, whichever happens first. If you accept the Terms on behalf of an organisation, you confirm that you have authority to bind it.

Where an order form and these Terms conflict, the order form prevails for the matters it specifically addresses. Visitors who only browse the public website are bound only by the sections on intellectual property, acceptable use, disclaimers, limitation of liability and applicable law, to the extent these are relevant to browsing.

Service

The Insider Magazin analytics workspace, its onboarding and configuration (including any data adapter configured for the Customer) and the related support described in the order form.

Order form

The written proposal or order document signed by both parties that states the scope, price, billing period, renewal and cancellation terms for the Customer's subscription.

Customer Data

Datasets and other information that the Customer makes available to the Service, including data retrieved from the Customer's own API.

Authorised User

An employee or contractor of the Customer whom the Customer permits to use the Service.

Insider Magazin is descriptive statistics and visualisation software for exploring historical, time-stamped datasets. It describes distributions, computes frequencies, compares periods and groups, and exports structured reports. A description of the implemented features is available in the documentation.

The Service does not forecast or predict outcomes and does not provide investment, betting, financial or other professional advice. Statistics are computed from the data loaded into the workspace and describe that data only.

The exact scope of the Service for each Customer, including which datasets are connected and which support is included, is defined in the order form. Features that are described as planned are not part of the Service until they are made available and, where relevant, added to the order form.

Our primary markets are the United Kingdom, France, Israel and Brazil. The Service, its documentation and support are provided in English. Customers in other countries may be served only where agreed in the order form.

There is no self-service sign-up on this website. Access to the Service is provisioned by our team after both parties have signed an order form. Requesting a demo or sending a message through the website does not create an account or any obligation for either party.

• The Customer is responsible for ensuring that only Authorised Users access the Service and that any access details provided to it are kept confidential.
• The Customer must tell us promptly at support@insidermagazin.com if it becomes aware of any unauthorised access or use.
• We may suspend access where we reasonably believe it is necessary to protect the Service, other customers or third parties, or where these Terms or the Acceptable Use Policy have been materially breached. Where practicable, we will notify the Customer in advance and restore access once the issue is resolved.

Subject to these Terms and payment of any applicable fees, we grant the Customer a non-exclusive, non-transferable, non-sublicensable right, for the subscription term stated in the order form, to access and use the Service for its internal business purposes through its Authorised Users.

Reports, CSV exports and printed or saved PDF outputs generated by the Customer from its own data may be used freely by the Customer for its internal business purposes and shared with its advisers, provided they are not presented as forecasts, guarantees or advice.

Any usage limits, such as the number of Authorised Users or connected datasets, are set out in the order form. [Pending: Standard usage limits, if any]

The Customer retains all rights in its Customer Data. The Customer grants us the rights needed to host, retrieve, process and display Customer Data solely to provide the Service and to support the Customer.

• The Customer is responsible for the accuracy and lawfulness of its Customer Data and for having the rights and, where personal data is involved, a valid legal basis to make it available to the Service.
• Where Customer Data is retrieved from the Customer's HTTPS API, the data adapter is configured by our team during onboarding, the data is validated against the documented format before use, and the credentials used to access that API are kept on the server.
• Statistics shown in the workspace are computed in the user's browser from the data loaded into it.
• Where Customer Data contains personal data, we will process it only on the Customer's documented instructions and under a data processing agreement where one is required by law. [Pending: Data processing agreement template]
• On termination, Customer Data held by us will be returned or deleted as described in the order form. [Pending: Data return and deletion period after termination]

Information about personal data we process for our own purposes, for example through the website forms, is set out in the Privacy Policy.

We and our licensors own all rights in the Service, the software, the website, the documentation and the illustrative datasets, including any improvements. No rights are granted other than those expressly set out in these Terms.

If the Customer provides suggestions or feedback about the Service, we may use them without restriction or obligation, provided that we do not identify the Customer publicly without its consent.

The Customer and its Authorised Users must use the Service in accordance with the Acceptable Use Policy, which forms part of these Terms. In particular, the Service must not be used to present descriptive statistics as predictions, guarantees or advice, or to market lottery, gambling or financial "prediction" or "signal" products.

There is no public checkout and no online payment on this website. Prices are not published; each subscription is priced individually.

Where fees apply, the order form states the price, currency, billing period, payment method, renewal terms and cancellation terms. These are presented to the Customer in writing before any contract is signed. No fees are payable unless they are set out in a signed order form.

• Payment terms and late payment consequences: [Pending: Standard payment terms]
• Taxes: [Pending: Tax treatment and invoicing details]
• Price changes on renewal: [Pending: Renewal price adjustment rules]

Cancellation and refunds are addressed in the Cancellation & Refund Policy and in the order form.

Each party may receive non-public information from the other that is marked as confidential or would reasonably be understood to be confidential, including Customer Data, pricing and the terms of the order form. The receiving party will use such information only to perform or exercise its rights under these Terms, will protect it with at least reasonable care, and will disclose it only to employees, contractors and advisers who need to know it and are bound by equivalent obligations.

These obligations do not apply to information that is or becomes public through no fault of the receiving party, was lawfully known to it beforehand, is independently developed, or must be disclosed by law or court order (in which case the receiving party will give notice where legally permitted). They continue for [Pending: Duration of confidentiality obligations after termination] after the end of the contract.

The Service provides descriptive analytics. Figures such as means, frequencies, quantiles, trends and effect sizes describe the data that was loaded; they do not predict future values or events, and past patterns do not determine future outcomes. Cohen's d and similar measures are descriptive effect sizes, not tests of statistical significance.

The Customer remains solely responsible for decisions it makes using outputs of the Service. Nothing in the Service, the documentation or this website is investment, betting, financial, legal or other professional advice.

The illustrative datasets on this website are synthetic and are provided for demonstration only. They do not describe any real organisation or person.

To the extent permitted by law, and except as expressly stated in these Terms or the order form, the Service is provided "as is" and "as available", and we do not warrant that it will be uninterrupted or error-free or that it will meet requirements not stated in the order form.

To the extent permitted by applicable law:

• neither party is liable for indirect or consequential loss, or for loss of profits, revenue, business opportunity or goodwill, arising out of or in connection with these Terms;
• each party's total aggregate liability arising out of or in connection with these Terms is limited to [Pending: Liability cap (for example, fees paid in a defined period)].

Nothing in these Terms limits liability that cannot be limited by law, including liability for fraud, wilful misconduct or, where the Customer is a consumer under applicable law, rights that cannot be waived.

The subscription term, renewal and notice periods are stated in the order form. [Pending: Default subscription term and renewal mechanism]

• Either party may terminate the contract by written notice if the other party materially breaches these Terms and does not remedy the breach within [Pending: Cure period] of being notified.
• Either party may terminate by written notice if the other party becomes insolvent or enters into a comparable procedure, to the extent permitted by law.
• On termination, access to the Service ends, any fees accrued up to the termination date remain payable unless the order form or mandatory law provides otherwise, and Customer Data is handled as described in section 5.

Sections that by their nature are intended to survive termination, including confidentiality, intellectual property, disclaimers, limitation of liability and applicable law, survive.

We may update these Terms from time to time, for example to reflect changes to the Service or to the law. The date of the latest version is shown at the top of this page. Changes that materially affect an existing Customer will be notified in writing at least [Pending: Notice period for material changes] before they take effect and will not alter the terms of a signed order form during its current term unless both parties agree.

We may also change the Service, provided that changes do not materially reduce the functionality the Customer has subscribed to during the current term.

These Terms and any dispute arising out of or in connection with them are governed by the laws of Brazil (São Paulo, SP), unless the order form states otherwise.

Disputes will be submitted to [Pending: Competent court or dispute resolution forum]. The parties will first try in good faith to resolve any dispute through discussion between their representatives.

Where the Customer qualifies as a consumer under applicable law, nothing in this section deprives it of the protection of mandatory provisions of the law of its place of residence or of its right to bring proceedings before the courts that such law designates.

• Neither party may assign the contract without the other's written consent, which will not be unreasonably withheld, except in connection with a merger or sale of substantially all of its relevant business.
• Neither party is liable for failure or delay caused by events beyond its reasonable control.
• If any provision is held invalid, the remaining provisions remain in effect.
• A failure to enforce a provision is not a waiver of it.
• Notices must be given in writing, including by email, to the addresses stated in the order form.

Company

Pedro Henrique de Arruda Loureiro (Pedro Arruda Vendas)

Registration number

CNPJ 55.043.222/0001-83

Address

Rua Arthur Bliss, 85, Fundos Casa 1, Jardim Casablanca, São Paulo – SP, 05842-020, Brazil

Commercial enquiries

support@insidermagazin.com

Support

support@insidermagazin.com

Phone

+55 11 97775-5759