Terms of Use

Last updated: October 29, 2026

This English version is a translation; if there is any difference, the Portuguese version prevails.

1. Acceptance

By browsing Ponto de Ajuste, you agree to these terms and to our Privacy Policy. If you do not agree, please do not continue using the site.

2. Intellectual property

The texts, articles, calculators, images and visual identity of the site belong to Ponto de Ajuste and are protected by copyright law (Brazilian Law No. 9,610/1998).

• You may: share links to the articles and quote short excerpts, as long as you give credit and link to the original text.
• You may not: copy entire articles, republish, sell or use the content commercially without written permission.

3. Nature of the content

Ponto de Ajuste content is informational and educational. It does not replace care from psychologists, doctors, therapists or other health professionals. If you are going through a hard time, please seek professional help or contact your local emergency or crisis line.

4. Calculators and financial content

The calculators run simulations based on the values you enter and on simplified assumptions (rates, taxes and inflation may change). The results are estimates and are not investment, financial, accounting or legal advice. Before important decisions, consult a qualified professional.

5. External links, ads and affiliates

The site shows ads and may contain links to partner stores and other platforms. We do not control those sites and are not responsible for their products, prices, delivery times or policies.

6. Conduct in our communities

In Ponto de Ajuste groups and channels, we expect respect. Hate speech, insults, scams and spam are not tolerated, and anyone who breaks these rules may be removed.

7. Availability

We do our best to keep the site online and the information accurate, but we do not guarantee it will always be available or error-free. If you find something wrong, let us know.

8. Updates to these terms

These terms may change over time. The date at the top of the page shows the version in force.

9. Contact

Questions about these terms: contato@pontodajuste.com.