Terms and Conditions

By accessing or using the services provided by Banc Title & Escrow Services ("Company," "we," "us," or "our"), you agree to be bound by these Terms and Conditions. If you do not agree to these terms, you may not use our services. These Terms and Conditions govern your use of our website, escrow services, title services, and all related services (collectively, "Services"). Your continued use of our Services constitutes acceptance of these terms and any updates or modifications.

Banc Title & Escrow Services provides professional escrow and title services in Brazil, including but not limited to: • Real estate transactions (residential and commercial) • Business mergers and acquisitions • Legal settlement coordination • Estate planning and inheritance matters • Construction and service contract escrow • International transaction facilitation • Title searches, reviews, and insurance coordination Our services are provided in accordance with Brazilian law, U.S. law where applicable, and all relevant international regulations. All escrow services are conducted through licensed and bonded professionals.

To use our Services, you must: • Be at least 18 years of age or the age of majority in your jurisdiction • Have the legal capacity to enter into binding contracts • Provide accurate, current, and complete information during registration • Maintain the security and confidentiality of your account credentials • Notify us immediately of any unauthorized use of your account We reserve the right to refuse service to anyone for any reason at any time, in compliance with applicable anti-discrimination laws.

When you engage our escrow services: • Funds will be held in a secure, segregated escrow account • Release of funds will occur only when all documented contractual conditions are met • You agree to provide all necessary documentation for identity verification (KYC/AML compliance) • You authorize us to conduct necessary due diligence checks as required by law • You acknowledge that transaction timelines may vary based on third-party dependencies • You understand that we act as a neutral third party and do not provide legal advice All escrow agreements are subject to separate escrow instructions signed by all parties to the transaction.

Service fees are determined based on: • Transaction complexity and value • Type of service requested • Required research and documentation • International coordination requirements All fees will be disclosed in writing before engagement. Payment terms include: • Fees are non-refundable once services have commenced • Payment may be required upfront or at closing, as specified in your service agreement • Additional fees may apply for expedited services or out-of-scope work • Currency conversion rates (if applicable) will be based on PTAX or agreed-upon market rates We accept payment via wire transfer, bank transfer (PIX), and other methods as specified in your engagement agreement.

You agree to: • Provide accurate and complete information for all transactions • Respond promptly to requests for documentation or clarification • Comply with all applicable laws and regulations • Not use our Services for any illegal or fraudulent purpose • Not attempt to interfere with or disrupt our Services • Maintain confidentiality of sensitive transaction information • Notify us immediately of any changes to your contact information You are solely responsible for the accuracy of information you provide and any consequences of providing false or misleading information.

We are committed to protecting your privacy and complying with: • Brazil's Lei Geral de Proteção de Dados (LGPD) • U.S. privacy regulations where applicable • International data transfer requirements Your personal information will be collected, stored, and processed in accordance with our Privacy Policy. By using our Services, you consent to such collection and processing. We implement appropriate technical and organizational measures to protect your data, but cannot guarantee absolute security. You acknowledge the inherent risks of transmitting data over the internet.

By providing your contact information, you consent to receive communications from us via: • Email • SMS/text messages • WhatsApp or other messaging platforms • Phone calls • Postal mail These communications may include: • Transaction updates and status notifications • Document requests and reminders • Service announcements • Marketing communications (with opt-out option) SMS/TEXT MESSAGE TERMS: • You may receive automated text messages related to your transactions • Message frequency varies based on transaction activity • Standard message and data rates may apply from your carrier • You can opt-out at any time by replying "STOP" to any text message • For help, reply "HELP" or contact us directly • Carriers are not liable for delayed or undelivered messages We comply with: • U.S. Telephone Consumer Protection Act (TCPA) • CAN-SPAM Act • A2P 10DLC regulations • Brazilian telecommunications regulations You may withdraw consent for non-essential communications at any time by contacting us or using opt-out mechanisms provided in our messages.

All content on our website and in our materials, including but not limited to text, graphics, logos, images, software, and design, is the property of Banc Title & Escrow Services or our licensors and is protected by copyright, trademark, and other intellectual property laws. You may not: • Copy, modify, distribute, or reproduce our content without written permission • Use our trademarks or branding without authorization • Reverse engineer or attempt to extract source code from our software • Create derivative works based on our materials Limited use rights are granted solely for accessing and using our Services for their intended purpose.

TO THE MAXIMUM EXTENT PERMITTED BY LAW: • We provide Services "as is" without warranties of any kind, express or implied • We are not liable for indirect, incidental, consequential, or punitive damages • Our total liability shall not exceed the fees paid by you for the specific service at issue • We are not responsible for delays or failures caused by third parties, government agencies, or circumstances beyond our reasonable control • We do not guarantee specific outcomes for transactions This limitation applies to all claims, whether based on contract, tort, negligence, strict liability, or any other legal theory. PROFESSIONAL SERVICES DISCLAIMER: We coordinate escrow and title services but do not provide legal, tax, financial, or investment advice. You should consult appropriate licensed professionals for such advice.

You agree to indemnify, defend, and hold harmless Banc Title & Escrow Services, its officers, directors, employees, agents, and affiliates from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from: • Your use or misuse of our Services • Your violation of these Terms and Conditions • Your violation of any applicable law or regulation • Your infringement of any third-party rights • Any false or misleading information you provide This indemnification obligation survives termination of your use of our Services.

GOVERNING LAW: These Terms and Conditions are governed by the laws of Brazil, with specific provisions subject to U.S. law where applicable to U.S.-based parties or U.S. aspects of transactions. DISPUTE RESOLUTION: Any disputes arising from these Terms or our Services shall be resolved through: 1. Good faith negotiation between the parties 2. Mediation, if negotiation is unsuccessful 3. Arbitration or litigation in appropriate jurisdiction if mediation fails For transactions involving Brazilian real property or Brazilian parties, disputes shall be subject to the jurisdiction of Brazilian courts. For transactions involving U.S. parties or U.S. aspects, appropriate U.S. jurisdiction may apply. Class Action Waiver: You agree to resolve disputes individually and waive any right to participate in class action lawsuits, to the extent permitted by law.

We reserve the right to modify these Terms and Conditions at any time. Changes will be effective immediately upon posting to our website or upon notification to active clients. Material changes will be communicated via: • Email notification • Prominent website notice • Direct communication for active transactions Your continued use of our Services after changes are posted constitutes acceptance of the modified terms. If you do not agree to modified terms, you must discontinue use of our Services.

We may terminate or suspend your access to our Services immediately, without prior notice or liability, for any reason, including: • Breach of these Terms and Conditions • Fraudulent or illegal activity • Failure to provide required documentation • Non-payment of fees • Conduct that damages our reputation or interests Upon termination: • Your right to use our Services ceases immediately • Provisions regarding confidentiality, indemnification, and limitation of liability survive • Funds held in escrow will be handled according to the specific escrow agreement and applicable law

If any provision of these Terms and Conditions is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving the original intent.

These Terms and Conditions, together with our Privacy Policy and any specific service agreements, constitute the entire agreement between you and Banc Title & Escrow Services regarding use of our Services, superseding any prior agreements or understandings.

For questions about these Terms and Conditions, please contact us: Banc Title & Escrow Services Email: legal@banctitle.com Phone: [Contact Number] Address: [Business Address] For immediate transaction support, please contact your assigned transaction coordinator.

These Terms and Conditions are provided in both English and Portuguese. In the event of any conflict between versions, the English version shall prevail for interpretation purposes, except where Brazilian law requires otherwise for Brazilian consumers or transactions.