In the daily operations of Banco Luso Brasileiro (BLB), whether in conducting business, pursuing new products, services, and opportunities, or organizing its internal structure, the processing of personal data is an integral part of this reality. Although such data processing is fundamental to its activities, the Bank understands that it must act responsibly and transparently, safeguarding such information and providing it with appropriate technical and administrative security measures. To this end, we provide this website so that you can learn more about our operations and establish contact with us, whether for information, inquiries, requests, or to access our reports and client portals.

Accordingly, these Terms of Use, together with the Privacy Policy, govern the Banco Luso Brasileiro website (https://bancoluso.com.br/en/) and define its users’ relationship with the institution.

If after reading these Terms of Use you do not understand or agree with any provision, we ask that you contact us via our contact form, email, or phone before continuing to browse, enter into any agreements, or access secure areas.

1. ABOUT THE WEBSITE

The website serves as an informational platform for promoting the Bank’s services, including secure client portals or specific service inquiries for our clients, accessible via login and password. The website is not, in any way, a platform for purchasing or contracting services. Accordingly, its use alone does not create a commercial relationship between you and the Bank.

If you wish to engage any of our services, you must contact us by requesting registration through the “Sign Up” option, available on the homepage of the website (https://bancoluso.com.br/en/).

Access to and use of the website does not require your registration, except when necessary for a specific functionality, such as the “Account Access” section referenced in these Terms of Use.

The website does not contain or disseminate information directed at minors or, conversely, content inappropriate for such ages; therefore, it is exempt from content age classification.

2. APPLICATION OF THE TERMS OF USE

These Terms of Use apply exclusively to the website. Each of the services featured on our website is governed by its respective terms and conditions, which must be reviewed in specific contracts and documents at the time of engagement.

3. CONTACTING THE BANK

In addition to in-person contact at one of our branches, you can reach us by phone through the numbers available on the website (https://bancoluso.com.br/en/contacts/) or via the forms available in our Customer Service channels — SAC (https://bancoluso.com.br/en/contacts/#atendimento) and Ombudsman (https://bancoluso.com.br/en/contacts/#ouvidoria). Providing complete information regarding your request is mandatory for submission and internal processing.

Messages sent via contact form, email, or phone are for informational purposes only and do not constitute engagement of services or products, which will only occur through the execution of a specific contract.

4. CONTENT AND NEWSLETTER SUBSCRIPTION

Through our website, you can access our informational content. Additionally, if you wish to receive information about Banco Luso, you may subscribe through the pages that may be available.

The contact information and personal data provided by you may be used for communications and delivery of content produced by the Bank, in accordance with the Privacy Policy, which can be accessed at: Privacy Policy.

5. CLIENT ACCESS AREAS

Our clients have access to the secure area “Account Access” on our website. For registration, you must provide accurate, complete, and truthful information, ensure the security of your account, and assume responsibility for all actions performed through it. For your security, the Bank may deny or cancel access to secure areas if it discovers any inaccurate information.

Each user maintains an individual access account. Therefore, you must not share your login credentials with others or use your account unlawfully to circumvent or harm the Bank’s systems. If you become aware of unauthorized use of your account or any system malfunction, you must immediately notify the Bank, which may suspend the suspected user’s access or resolve the reported issue.

6. INTELLECTUAL PROPERTY

The information and content available on the website are authored by the Bank or obtained from public sources considered reliable. We periodically enhance, correct, and update the information published on the website; however, there is no guarantee that the materials are current at the time of your access.

The information and content of external links referenced on the website are for informational purposes only and are not under the Bank’s responsibility or control. These external links, when applicable, are provided for your convenience, which does not imply that the Bank endorses the external content or maintains any association with its operators.

All content made available on the website is the exclusive property of the Bank or has been duly licensed or assigned to the institution. Therefore, you are not granted any license or assignment of intellectual property rights, and reproduction of any part of the website or its content is prohibited, under penalty of sanctions provided for by applicable law.

The use of the name “Banco Luso Brasileiro,” the domain (https://bancoluso.com.br/en/) (including its subdomains), as well as the content of the website’s pages, are the property of the Bank and are protected by intellectual property laws and international treaties. Unauthorized use and total or partial reproduction of such content is prohibited, except with our express written permission.

7. LIMITATION OF LIABILITY

Given the informative and educational nature of the website, the Bank is not responsible for any damages resulting from the misuse of the content, external links, and other documents available on the website, nor for actions taken by you based on such information.

Given that we have no control over third-party websites and content, you understand that these Terms of Use do not apply to third parties — including social media — even if you use such platforms to access the website. You should always review the terms and policies applicable to the third-party websites you visit.

The Bank is not liable, within the limits of applicable law, for any damages resulting from the use of the website, equipment failure, connectivity issues, data transmission errors, interruptions, delays in operation, computer viruses, failures in the telecommunications system or internet service provider, or any incompatibility between the website and your web browser.

8. SECURITY

By continuing to browse, you agree to use the website in good faith and respect the informational and educational purpose of the available content and the operational purpose of transactions available in the secure areas.

It is prohibited to use the website in any way that may impair its operation, including but not limited to attempts to introduce malicious code, denial-of-service attacks, or exploitation of any vulnerability or error on the website.

Any intrusion, attempted intrusion, or activity that violates or contradicts applicable Brazilian laws, including Law No. 13.709/2018 (General Data Protection Law — LGPD), will subject the responsible party to relevant legal actions, as well as liability for compensation for any damages caused.

In operating the website, we are committed to using tools compatible with current industry-standard security protocols in order to prevent the transmission of malicious code and corrupted files.

The Bank is not responsible for any damage, loss, or harm suffered by you due to internet, system, or server failures on systems you use, or those resulting from third-party actions, acts of nature, or force majeure. We are also not responsible for any virus that may infect your equipment due to access, use, or browsing the internet or as a result of the transfer of data, files, images, text, or audio content.

9. PERSONAL DATA PROTECTION

In addition to the information collected through specific forms, the website collects personal data and browsing information via cookies, which may be shared with domestic and international service providers for storage, hosting, and maintenance of the website, email campaigns, among other services.

The collection, processing of personal data, their respective purposes, and your rights as a data subject are governed by a specific policy, which can be accessed at: Privacy Policy.

10. FINAL CONSIDERATIONS AND JURISDICTION

These Terms of Use constitute a standard form agreement and are subject to periodic revisions; advance notification is not required. Therefore, it is important that you review the document to confirm whether you continue to agree with its terms before continuing your use of the website.

These Terms of Use comply with and should be interpreted under the laws in force in the Federative Republic of Brazil. To resolve any disputes or issues related to them, the parties submit to the jurisdiction of the Court of the District of São Paulo/SP, to the exclusion of any other.

Last updated on: February 23, 2021.