Terms of Use

1. Introduction and Acceptance

These Terms of Use (the "Terms") govern your access to and use of the Kigar application, together with all associated software, interfaces, features, and services (collectively, the "Platform"). The Platform is a global payments ecosystem built to help businesses and individuals move money domestically and across borders, manage payables and receivables, settle invoices with suppliers and partners worldwide, and operate multi-currency workflows from a single mobile-first experience.

Kigar is the intellectual property and software product of Zenite Ventures S/A ("Zenite," "we," "us," or "our"), which owns and licenses the Platform. By downloading, accessing, registering for, or using the Platform, you ("you," "User," or "Account Holder") acknowledge that you have read, understood, and agree to be bound by these Terms and by any additional policies referenced herein, including our Privacy Policy. If you are entering into these Terms on behalf of a company or other legal entity, you represent and warrant that you have the authority to bind that entity, and "you" refers to that entity.

If you do not agree with these Terms, you must not access or use the Platform. Your continued use of the Platform constitutes ongoing acceptance of these Terms as they may be updated from time to time.

2. Definitions

For the purposes of these Terms, the following capitalized terms have the meanings set out below:

"Account" means the registered profile through which you access and use the Platform.

"Business Day" means a day on which banks are generally open for business in Brazil, excluding Saturdays, Sundays, and national holidays.

"Licensed Partners" means the duly authorized and regulated financial institutions, payment institutions, custodians, crypto-asset service providers, card issuers, and other licensed third parties that provide the underlying regulated banking, custody, crypto-asset, payment, settlement, card, and related services made accessible through the Platform.

"KYC" means Know Your Customer identity verification procedures applicable to individual Users.

"KYB" means Know Your Business verification procedures applicable to corporate Users, including verification of legal existence, ownership, control structure, and beneficial owners.

"PF" means an individual natural person (pessoa física).

"PJ" means a legal entity or company (pessoa jurídica).

"Platform" means the Kigar application and all associated software, features, content, and services as described in these Terms.

"Transfer Password" means the dedicated security credential required to authorize outbound movements of funds and other sensitive operations.

"User Content" means any data, documents, information, or materials that you submit, upload, or transmit through the Platform.

Defined terms used in the singular include the plural and vice versa, and headings are for convenience only and do not affect interpretation.

3. Description of the Platform

The Platform is a comprehensive, technology-driven payments ecosystem designed primarily for businesses (PJ) and equally available to individuals (PF). Through a single application, the Platform enables Users to hold and organize balances in more than one currency, initiate and receive domestic transfers, settle invoices and supplier obligations, send and receive funds internationally, with payment to the beneficiary in the local currency of the destination, and manage day-to-day treasury and payment operations that would otherwise require multiple providers, accounts, and intermediaries. Where made available to you, the Platform also gives access to a prepaid card, topped up only from your own balance (Section 9).

The Platform is engineered to solve real operational problems for organizations that move money at home and abroad: reducing the friction, delay, and cost of cross-border payments; consolidating multi-currency operations; streamlining supplier and invoice settlement; and giving finance teams and business owners a clear, unified view and control of their money in real time. Individuals benefit from the same speed, transparency, and multi-currency capabilities.

Kigar acts as the software and technology layer of this ecosystem. The regulated financial services accessed through the Platform — including deposit-taking, custody, crypto-asset transactions, settlement, card issuance, and cross-border payment execution — are provided by Licensed Partners, as described in Section 6. The specific features available to you may depend on your verification status, your Account type (PJ or PF), your jurisdiction, and applicable legal and regulatory requirements. We may add, modify, or discontinue features at any time in accordance with these Terms.

4. Eligibility, Registration, and Verification (KYC/KYB)

To open an Account and use the Platform, you must meet applicable eligibility requirements. Individual Users (PF) must be at least eighteen (18) years old and have full legal capacity to enter into binding contracts. Corporate Users (PJ) must be validly constituted, in good standing, and duly represented by a person authorized to bind the entity.

By registering, you agree to provide true, accurate, current, and complete information and to keep such information updated at all times. As a condition of access, you must complete identity and eligibility verification. This includes KYC procedures for individuals and KYB procedures for companies, which may require submission of identification documents, corporate and registration records, proof of address, information regarding beneficial owners and controlling persons, tax identifiers, source-of-funds information, and any additional documentation required to comply with applicable anti-money-laundering, counter-terrorism-financing, sanctions, and regulatory obligations.

Verification is performed by us and/or by Licensed Partners. We and our Licensed Partners reserve the right, at our sole discretion, to accept or refuse any application, to request additional information at any time, to re-verify your identity or your business periodically, and to limit, suspend, or close an Account where verification cannot be completed or where information is found to be false, incomplete, or outdated.

You may not open or maintain an Account if you are subject to applicable sanctions, are located in or acting on behalf of a restricted jurisdiction or restricted party, or if providing services to you would violate applicable law. Each User may hold Accounts only as permitted by these Terms and applicable policies.

5. Account, Access, and Security

You are responsible for maintaining the confidentiality and security of your Account credentials and for all activity that occurs under your Account. The Platform provides layered security controls designed to protect your Account and your funds, including device-based biometric authentication (such as Face ID or fingerprint recognition, where supported by your device) and a dedicated Transfer Password that is required to authorize outbound movements of funds and other sensitive operations.

The Transfer Password is distinct from your device unlock and login credentials and constitutes an additional authorization layer. You agree to keep your Transfer Password, biometric enrolments, device, and any other authentication factors secure and confidential, and never to share them with any third party. Any operation authorized through your valid credentials, biometric authentication, or Transfer Password will be deemed to have been authorized by you.

You agree to notify us immediately if you suspect any unauthorized access to or use of your Account, loss or theft of your device, or compromise of your credentials. We may suspend access, require re-authentication, or apply additional security measures where we detect unusual, suspicious, or potentially unauthorized activity, in order to protect you, other Users, and the integrity of the Platform.

You are responsible for ensuring that your device, operating system, and network are secure and up to date. To the extent permitted by applicable law, we are not responsible for losses arising from your failure to safeguard your credentials or device, or from your use of compromised or unsupported hardware or software.

6. Nature of Services — Kigar Is Not a Bank

Kigar is a technology platform and payments ecosystem. Kigar is not a bank, and Zenite Ventures S/A does not operate as a financial institution. The Platform itself does not take deposits, does not custody or hold your funds, and does not carry out regulated banking, custody, crypto-asset, payment, or settlement activities on its own account.

All regulated financial services accessible through the Platform — including the holding and safekeeping of balances, deposit and withdrawal processing, the purchase of crypto-assets (USDT) with reais in Brazil, payment settlement, cross-border transfers, and the issuance and processing of the prepaid card — are provided by duly authorized and regulated Licensed Partners under their own terms, licenses, and regulatory supervision. Custody of funds, where applicable, is provided on an institutional basis by such Licensed Partners. Your use of those regulated services may be subject to the separate terms, verification requirements, and policies of the relevant Licensed Partner, which you agree to comply with.

Kigar's role is to provide the software, user experience, orchestration, and technology that make these services accessible in a unified and efficient manner. References in the Platform or these Terms to holding, sending, receiving, or spending money describe the functionality made available to you through Licensed Partners and do not represent that Zenite itself performs regulated financial activities. Nothing in these Terms shall be construed as an offer by Zenite to provide banking or other regulated financial services.

7. Acceptable Use

You agree to use the Platform only for lawful purposes and in accordance with these Terms. You must comply with all applicable laws, regulations, and Licensed Partner requirements, including those relating to anti-money laundering, counter-terrorism financing, sanctions, tax, foreign exchange, and consumer protection.

You agree that you will not, and will not permit any third party to: (a) use the Platform to facilitate or conduct any illegal, fraudulent, deceptive, or unauthorized activity, including money laundering, terrorism financing, sanctions evasion, tax evasion, or the financing of prohibited goods or services; (b) provide false, misleading, or inaccurate information, or impersonate any person or entity, or misrepresent your affiliation with any person or entity; (c) use the Platform on behalf of an undisclosed third party or otherwise circumvent verification requirements; (d) access or attempt to access another User's Account, or interfere with the security, integrity, or availability of the Platform; (e) reverse engineer, decompile, disassemble, copy, modify, or create derivative works of the Platform or any part of it, except to the extent expressly permitted by applicable law; (f) use robots, scrapers, or other automated means to access the Platform, or introduce viruses, malware, or other harmful code; (g) resell, sublicense, or commercially exploit the Platform without our prior written authorization; or (h) use the Platform in any manner that could damage, disable, overburden, or impair it or interfere with any other party's use.

We and our Licensed Partners may monitor, review, delay, block, reverse, or refuse transactions and may report activity to competent authorities where required or where we reasonably suspect a violation of these Terms, applicable law, or applicable risk and compliance policies. You are solely responsible for the accuracy of the payment details, beneficiary information, and instructions you submit.

8. Fees

Your use of certain features of the Platform may be subject to fees, which may include, without limitation, transaction fees, cross-border transfer fees, prepaid card fees, and service or maintenance charges. Applicable fees, and the manner in which they are calculated, will be disclosed to you within the Platform before you confirm a relevant operation or otherwise made available to you in accordance with applicable law. Fees applicable to the prepaid card, and when they are charged, are disclosed within the Platform before you top up the card.

Wherever practicable, the Platform is designed to present the applicable fee, the estimated total, and your resulting balance before you authorize an outbound operation, so that you can review the full cost before confirming. By confirming an operation, you agree to the fees disclosed for that operation.

Fees may vary depending on the type of operation, the currencies involved, the Account type (PJ or PF), the destination, the amount, prevailing market conditions, and the requirements of Licensed Partners. We may introduce new fees or modify existing fees prospectively in accordance with Section 18. Fees charged for completed operations are generally non-refundable except as required by applicable law. Taxes, levies, and charges imposed by third parties or by law may apply in addition to our fees and are your responsibility.

9. Cross-Border Payments, Settlement, and the Prepaid Card

The Platform enables you to hold balances in more than one currency and to send payments abroad. The Platform does not offer currency conversion or foreign exchange services. When you send a payment abroad, a Licensed Partner settles the payment in USDT and pays the beneficiary in the local currency of the destination, under its own terms and licenses. In Brazil, your acquisition of USDT with reais is a purchase of crypto-assets carried out through a Licensed Partner.

Before you confirm a payment abroad, the Platform shows the amount the beneficiary will receive, the applicable fees, and the total. Where an amount or price shown is indicative, it may change until the operation is confirmed and executed. Certain operations may complete promptly, while others — particularly cross-border operations — may require additional processing time, may be subject to settlement windows, cut-off times, intermediary processing, and verification or compliance checks, and may therefore be completed asynchronously rather than instantaneously. You acknowledge and accept that timing of completion is not guaranteed and may depend on factors outside our control.

Cross-border payments may be subject to additional requirements, including reporting obligations, beneficiary and correspondent verification, and the rules of the receiving jurisdiction and receiving institution. You are responsible for ensuring that the beneficiary details and purpose information you provide are accurate and complete, and for complying with any applicable tax and regulatory obligations arising from your cross-border activity. We and our Licensed Partners are not responsible for delays, rejections, or additional charges imposed by intermediary or beneficiary institutions.

Where made available to you, the Platform gives access to a prepaid card issued by a Licensed Partner. The card is topped up only from your own balance on the Platform, and you can spend only the amount loaded onto it. The card is currently offered in a pilot, before general release, and may not be available to all Users. Fees applicable to the card, and when they are charged, are disclosed within the Platform before you top up the card (Section 8). Use of the card is also subject to the terms of the card issuer and of the card network.

10. Transactions, Authorization, and Irrevocability

You are responsible for reviewing and confirming the details of each operation before authorizing it. Once an outbound operation has been authorized using your credentials, biometric authentication, and/or Transfer Password and submitted for processing, it may not be possible to cancel, reverse, or recover the funds, particularly where the operation has already been executed or settled by a Licensed Partner or credited to a beneficiary.

We employ measures designed to prevent duplicate or unintended operations, including confirmation and review steps prior to authorization. Nonetheless, you bear responsibility for the accuracy of the information you submit, including amounts, beneficiary identifiers, and payment references. We and our Licensed Partners are not obligated to reverse an operation that was correctly executed in accordance with your instructions.

Credits to your Account, including deposits, may be reflected after processing and confirmation, and the timing of such reflection may depend on the processing method and on Licensed Partner confirmation. We may place holds, limits, or additional review on operations for security, compliance, risk, or legal reasons, and may decline to process operations that would breach applicable law, sanctions, or risk policies.

11. Intellectual Property

The Platform, including the Kigar name, brand, logos, visual identity, user interfaces, designs, text, graphics, software, source and object code, architecture, features, and all related intellectual property, is owned by Zenite Ventures S/A and/or its licensors and is protected by copyright, trademark, trade secret, and other intellectual property laws. Kigar is the exclusive intellectual property and software product of Zenite Ventures S/A.

Subject to your compliance with these Terms, Zenite grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and use the Platform solely for its intended purposes and in accordance with these Terms. This license does not transfer to you any ownership rights in the Platform or any part of it.

You may not copy, reproduce, distribute, modify, adapt, translate, publicly display, create derivative works from, reverse engineer, decompile, or disassemble the Platform or any of its components, except to the extent expressly permitted by applicable mandatory law. All rights not expressly granted to you are reserved by Zenite. Any feedback, suggestions, or ideas you provide regarding the Platform may be used by Zenite without restriction or obligation to you.

You retain ownership of your User Content. You represent that you have the rights necessary to submit your User Content and grant Zenite and, where applicable, its Licensed Partners a license to use, host, store, process, and transmit your User Content solely as necessary to provide, operate, secure, and improve the Platform and to comply with legal and regulatory obligations.

12. Third-Party Services and Licensed Partners

The Platform integrates with and relies upon services provided by Licensed Partners and other third parties to deliver its functionality. Your access to certain services may require you to accept the terms and policies of the relevant Licensed Partner, and your use of those services is subject to such terms in addition to these Terms.

While we select Licensed Partners with care, we do not control and are not responsible for the acts, omissions, availability, performance, or decisions of third parties, including any decision by a Licensed Partner to delay, hold, decline, or reverse an operation, or to request additional information. Where a Licensed Partner suspends, limits, or terminates the underlying regulated service, the corresponding functionality on the Platform may be affected.

The Platform may also contain links to or integrations with third-party websites, applications, or services that are not operated by us. We are not responsible for the content, security, or practices of such third parties, and your interactions with them are solely between you and the relevant third party.

13. Data Protection and Privacy

Zenite processes personal data in accordance with the Brazilian General Data Protection Law (Lei Geral de Proteção de Dados Pessoais — Law No. 13.709/2018, "LGPD") and other applicable data protection laws. In connection with your use of the Platform, we and our Licensed Partners collect and process personal and business data for purposes including account creation, identity and business verification (KYC/KYB), provision and operation of the Platform, transaction processing, security and fraud prevention, compliance with legal, regulatory, and anti-money-laundering obligations, and communication with you.

The legal bases for such processing may include the performance of a contract, compliance with legal and regulatory obligations, the legitimate interests of Zenite and its Licensed Partners, and, where applicable, your consent. Personal data may be shared with Licensed Partners, service providers, and competent authorities to the extent necessary for these purposes and as permitted or required by law, including in the context of cross-border transactions.

As a data subject, you have the rights afforded to you under the LGPD, including rights of access, correction, portability, information about sharing, review of automated decisions, and, subject to legal and regulatory retention requirements, deletion. We retain personal and transaction data for as long as necessary to fulfil the purposes described above and to comply with applicable legal, regulatory, accounting, and audit obligations. Full details regarding the processing of personal data are set out in our Privacy Policy, which forms an integral part of these Terms and of your relationship with us.

14. Electronic Communications and Notices

You consent to receive communications from us in electronic form, including through the Platform, by email, by push notification, or by other electronic means, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing.

We may send you operational, security, compliance, and administrative communications relating to your Account and the Platform; these are part of the Services and you cannot opt out of them while you maintain an Account. Marketing communications, where sent, are subject to your preferences and applicable law.

Notices to us must be sent through the support and contact channels made available within the Platform or as otherwise specified by Zenite. It is your responsibility to keep your contact details current so that you receive our communications; communications are deemed received when sent to the details associated with your Account.

15. Disclaimers

To the maximum extent permitted by applicable law, the Platform is provided on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, statutory, or otherwise, including any implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, or availability.

We do not warrant that the Platform will be uninterrupted, timely, secure, or error-free, that defects will be corrected, or that the Platform will be free of viruses or other harmful components. We do not guarantee any particular processing time, price, or outcome for any operation, and estimated times and quoted amounts are indicative only and subject to change until execution.

The Platform does not provide financial, investment, tax, accounting, or legal advice, and nothing on the Platform should be construed as such. You are solely responsible for evaluating the suitability of any operation for your circumstances and for obtaining independent professional advice where appropriate. Access to and availability of features may vary by jurisdiction, Account type, and verification status, and may change over time.

Nothing in this Section limits any rights or protections you may have as a consumer under applicable mandatory law, including the Brazilian Consumer Protection Code (Código de Defesa do Consumidor) where it applies to you. Some jurisdictions do not allow the exclusion of certain warranties; in such cases, the exclusions in this Section apply only to the extent permitted by applicable law.

16. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall Zenite Ventures S/A, its affiliates, directors, officers, employees, agents, or licensors be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, business, goodwill, data, or anticipated savings, arising out of or in connection with your use of, or inability to use, the Platform, whether based in contract, tort, strict liability, or any other legal theory, even if advised of the possibility of such damages.

Without limiting the foregoing and to the extent permitted by law, Zenite shall not be liable for losses arising from: the acts, omissions, delays, holds, or decisions of Licensed Partners or other third parties; fluctuations in market prices or conditions, including the price of crypto-assets; delays or failures in cross-border processing, settlement, or beneficiary crediting; inaccurate, incomplete, or fraudulent instructions or information submitted by you; unauthorized access resulting from your failure to safeguard your credentials, device, or Transfer Password; or events beyond our reasonable control, including force majeure events, network or telecommunications failures, and interruptions of third-party services.

To the extent that liability cannot lawfully be excluded, the aggregate liability of Zenite arising out of or relating to these Terms and the Platform shall be limited to the amount of fees actually paid by you to Zenite for the specific operation or service giving rise to the claim during the three (3) months immediately preceding the event giving rise to the liability. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable mandatory law, including liability for fraud, willful misconduct, or rights afforded to consumers under applicable consumer protection law.

17. Indemnification

You agree to defend, indemnify, and hold harmless Zenite Ventures S/A, its affiliates, and their respective directors, officers, employees, agents, and licensors from and against any and all claims, demands, actions, proceedings, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising out of or in connection with: (a) your use or misuse of the Platform; (b) your violation of these Terms or of any applicable law or regulation; (c) your violation of the rights of any third party, including any Licensed Partner; (d) the inaccuracy or incompleteness of any information, instruction, or documentation you provide; or (e) any operation you authorize through the Platform.

This indemnification obligation survives the termination or expiration of these Terms and your use of the Platform. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with our defense of such claim. This Section applies to the extent permitted by applicable law and does not require you to indemnify us for losses caused by our own fraud or willful misconduct.

18. Changes to the Terms and the Platform

We may modify these Terms from time to time to reflect changes in the Platform, in our services, in applicable law or regulation, in the requirements of Licensed Partners, or in our business practices. When we make material changes, we will provide notice through the Platform or by other reasonable means, and, where required by applicable law, we will obtain your consent or provide advance notice.

The updated Terms will indicate their effective date. Your continued access to or use of the Platform after the updated Terms take effect constitutes your acceptance of the changes. If you do not agree with the updated Terms, you must stop using the Platform and may close your Account in accordance with Section 19.

We may also add, modify, suspend, or discontinue any feature or functionality of the Platform, in whole or in part, at any time, including as required by Licensed Partners or applicable law. We will endeavor to provide reasonable notice of material changes that adversely affect your use, where practicable.

19. Suspension, Termination, and Inactive Accounts

You may stop using the Platform and request closure of your Account at any time, subject to the settlement of any pending operations and obligations and to applicable legal and regulatory retention requirements.

We may, at our discretion and to the extent permitted by applicable law, suspend, restrict, limit, or terminate your access to the Platform or your Account, in whole or in part, with or without prior notice, where: (a) we reasonably believe you have violated these Terms or applicable law; (b) verification (KYC/KYB) cannot be completed or your information is found to be false, incomplete, or outdated; (c) we detect or reasonably suspect fraud, unauthorized access, money laundering, sanctions exposure, or other unlawful or high-risk activity; (d) required by a Licensed Partner, competent authority, or applicable law; (e) necessary to protect the security or integrity of the Platform, other Users, or Zenite; or (f) the underlying regulated service provided by a Licensed Partner is suspended or withdrawn.

Upon suspension or termination, your right to use the Platform ceases immediately. Where funds are held through Licensed Partners, the handling and return of any remaining balance will be subject to applicable law, compliance requirements, and the policies of the relevant Licensed Partner. We may treat an Account as inactive or dormant after a prolonged period without activity, and may apply additional verification, limits, or closure procedures to such Accounts in accordance with applicable law and Licensed Partner requirements. Provisions of these Terms that by their nature should survive termination — including those relating to intellectual property, disclaimers, limitation of liability, indemnification, data retention, and governing law — shall survive.

20. Complaints and Consumer Support

If you have a complaint or concern relating to the Platform, you may contact us through the support and contact channels made available within the Platform. We maintain procedures to receive, register, and respond to complaints within the timeframes required by applicable law, and we will endeavor to resolve them fairly and promptly.

Where a complaint relates to a regulated service provided by a Licensed Partner, we will, where appropriate, direct or coordinate your complaint with the relevant Licensed Partner so that it can be addressed by the responsible party. Nothing in these Terms affects your right, where you qualify as a consumer, to seek redress through the competent consumer-protection bodies or courts under applicable mandatory law.

21. Force Majeure

Zenite shall not be liable for any failure or delay in the performance of its obligations under these Terms to the extent such failure or delay results from causes beyond its reasonable control, including but not limited to acts of God, natural disasters, epidemics or pandemics, war, terrorism, civil unrest, governmental or regulatory actions, changes in law, failures or interruptions of telecommunications, internet, or power infrastructure, cyberattacks, and failures or interruptions of third-party or Licensed Partner services. During the continuance of such an event, the affected obligations shall be suspended, and we will use reasonable efforts to resume performance as soon as practicable.

22. Assignment

You may not assign, transfer, or delegate these Terms or any of your rights or obligations under them, in whole or in part, without our prior written consent. Any attempted assignment in violation of this Section is void. Zenite may freely assign or transfer these Terms and its rights and obligations hereunder, in whole or in part, including to an affiliate or in connection with a merger, acquisition, corporate reorganization, or sale of assets, upon reasonable notice where required by law.

23. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of the Federative Republic of Brazil, without regard to conflict-of-law principles. The Platform serves businesses and individuals globally; however, the contractual relationship between you and Zenite Ventures S/A is governed by Brazilian law.

Subject to any mandatory provisions of applicable consumer protection or other law that may grant you the right to bring proceedings in another forum (including, for consumers in Brazil, the courts of their own domicile), the courts of the domicile of Zenite Ventures S/A in Brazil shall have jurisdiction to resolve any dispute arising out of or in connection with these Terms or the Platform. You and Zenite agree to attempt in good faith to resolve any dispute amicably before initiating formal proceedings.

24. General Provisions

These Terms, together with the Privacy Policy and any policies and additional terms expressly incorporated by reference, constitute the entire agreement between you and Zenite Ventures S/A regarding the Platform and supersede any prior agreements or understandings on the subject matter.

If any provision of these Terms is held to be invalid, illegal, or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, or, if it cannot be so modified, severed, and the remaining provisions shall continue in full force and effect. Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that or any other right or provision, and any waiver must be in writing to be effective.

These Terms may be provided to you in more than one language for convenience; in the event of any conflict, and to the extent permitted by applicable law, the version designated by Zenite as controlling shall prevail. The relationship between you and Zenite is that of independent parties, and nothing in these Terms creates any partnership, agency, joint venture, or employment relationship.

25. Contact

If you have any questions, requests, or complaints regarding these Terms or the Platform, or if you wish to exercise your rights, including your rights under the LGPD, you may contact Zenite Ventures S/A, the owner and licensor of Kigar, through the support and contact channels made available within the Platform. We will endeavor to respond to your inquiries within a reasonable time and in accordance with applicable law.

Zenite Ventures S/A is the entity responsible for the Kigar Platform. Requests relating to the underlying regulated services may, where appropriate, be directed to or coordinated with the relevant Licensed Partner in accordance with applicable procedures.