Welcome to Rico aos Poucos (ricoaospoucos.com.br), an independent financial education project that brings together market analysis, educational content, calculators, simulators, and tools aimed at investors interested in building wealth over the long term.
These Terms of Service (also referred to as "Terms of Use" or simply "Terms") govern access to and use of the site, in compliance with the Brazilian Consumer Protection Code (Law No. 8,078/1990), the Brazilian Internet Civil Rights Framework — Marco Civil da Internet (Law No. 12,965/2014), the Brazilian General Data Protection Law — LGPD (Law No. 13,709/2018), and CVM Resolution No. 20/2021 on securities analysts, where applicable.
1. Acceptance of Terms
By accessing, browsing, or using any part of the Rico aos Poucos website, you declare that you have read, understood, and fully agreed to these Terms and our Privacy Policy. If you do not agree with any provision, you must immediately stop using the site.
Use of features restricted to authenticated users (such as comments and watchlist) requires login via a Google account and reinforces your acceptance of these Terms.
2. Description of Services
Rico aos Poucos offers, free of charge:
- Editorial and educational content on financial markets, macroeconomics, Brazilian REITs (FIIs), fixed income, equities, and other topics.
- Analysis of Brazilian Real Estate Funds (FIIs) based on public data (monthly reports, management reports, material disclosures, B3/CVM filings).
- Calculators and simulators (retirement, construction cost, mortgage, installment payments, portfolio).
- Intraday and historical tracking of quotes and FII indicators.
- User area: Google login, personalized watchlist, and article comments.
- Multimedia materials (videos, audio, infographics) produced for educational support.
3. LEGAL DISCLAIMER — NOT INVESTMENT ADVICE
Rico aos Poucos is a financial education project. It is NOT a licensed research house, investment advisory firm, independent investment agent, or asset manager. No content on the site constitutes personalized advice, a public offering, a solicitation to buy or sell securities, or any guarantee of return.
The author is not a certified analyst registered with APIMEC nor registered with the CVM as an analyst under CVM Resolution No. 20/2021. All content published here represents personal opinion based on publicly available data, for exclusively educational and journalistic purposes.
Investments involve risks, including the total loss of invested capital. Past performance does not guarantee future results. Each investor has their own profile, objectives, time horizon, and risk tolerance, and should seek qualified professionals before making any financial decision.
4. Registration and User Account
4.1. Login with Google
To access restricted features (comments, watchlist), the user must authenticate via Google's OAuth 2.0 protocol. By logging in, you authorize Google to share with us your name, email address, profile picture, and unique identifier, as described in the Privacy Policy.
4.2. Requirements
- Be at least 18 years old or legally emancipated;
- Have full legal capacity to contract;
- Provide accurate and up-to-date information via Google;
- Maintain the security of your associated Google account (password, 2FA, devices).
4.3. Account Responsibility
You are solely responsible for all activity carried out with your account. In the event of unauthorized use, notify us immediately via the contact email.
5. Usage Rules and Conduct
By using the site, you agree NOT to:
- Post illegal, offensive, discriminatory, defamatory, obscene, or third-party rights-infringing content;
- Engage in spam, unauthorized promotion of products, pyramid schemes, or misleading advertising;
- Recommend specific assets to other users while posing as a licensed advisor;
- Disclose privileged information, manipulate markets, or mislead third parties;
- Reverse-engineer, mass-copy, scrape, or mine data from the site without written authorization;
- Attempt to access restricted areas, other users' accounts, or bypass security mechanisms;
- Overload the site's infrastructure with abusive automated requests;
- Reproduce content from the site in other channels without authorization and proper attribution;
- Use the site for any unlawful purpose or contrary to good faith.
Violations may result in content removal, account suspension, or permanent ban, without prejudice to any applicable legal measures.
6. User-Generated Content (Comments)
By posting comments, opinions, or any content in the site's interaction area, you:
- Declare that you are the author or hold the necessary rights for publication;
- Grant Rico aos Poucos a free, non-exclusive, worldwide, and perpetual license to display, reproduce, adapt, and distribute the content within the context of the site and related communications;
- Accept full civil and criminal responsibility for the content;
- Acknowledge that Rico aos Poucos may moderate, edit, or remove comments at its sole discretion.
Rico aos Poucos acts as an internet application provider under the terms of the Marco Civil da Internet. We only remove third-party content upon a specific court order, except in cases provided by law (non-consensual intimate images, manifestly illegal content, etc.).
7. Intellectual Property
All original content on Rico aos Poucos — texts, analyses, layouts, site source code, logo, illustrations, videos, and audio — is protected by Brazilian Copyright Law (Law No. 9,610/1998) and the Marco Civil da Internet, and is owned by the author or licensed to them.
Permitted uses:
- Sharing links to site pages on social media;
- Quoting brief excerpts with clear attribution and a link to the original article;
- Printing/downloading content for personal, non-commercial use.
Prohibited uses:
- Reproducing full articles on other websites, blogs, social networks, or newsletters;
- Commercializing any part of the content;
- Using the "Rico aos Poucos" brand without written authorization;
- Training artificial intelligence models with site content without prior authorization.
8. Calculators, Simulators, and Displayed Data
Calculators and simulators use standard mathematical formulas and assumptions explicitly stated in each tool. Results are educational estimates and do not account for taxation, operating costs, extraordinary events, future actual inflation, or the specific circumstances of your case.
Quotes, indicators, and FII data are sourced from public sources (B3 (Brazil's stock exchange), CVM, FNET, Brapi, Yahoo Finance, management reports). They may be delayed, contain errors, or diverge from official sources. Always verify critical data at the original source before making decisions.
9. Availability and Service Modifications
The site is provided "as is" and "as available". While we endeavor to keep it accessible 24/7, interruptions may occur for maintenance, updates, hosting failures (GitHub Pages, Cloudflare), or force majeure events.
We reserve the right, at any time, to:
- Modify, suspend, or discontinue features, tools, or entire sections of the site;
- Update content, analyses, and educational recommendations;
- Change layout, navigation, and technologies employed;
- Shut down the project, with reasonable prior notice where possible.
10. Limitation of Liability
To the fullest extent permitted by applicable law, Rico aos Poucos is not liable for:
- Investment decisions made by users based on content from the site;
- Financial losses, lost profits, or indirect damages arising from use or inability to use the site;
- Inaccuracies, delays, or errors in quotes and data provided by third parties;
- Content posted by other users (comments);
- Content on third-party sites accessed via links;
- Force majeure events, unforeseeable circumstances, cyberattacks, network unavailability, or external service provider failures.
No clause excludes the civil liability of Rico aos Poucos for willful misconduct, gross negligence, or violation of consumer rights established by mandatory public-order rules.
11. Privacy and Data Protection
The processing of personal data is governed by our Privacy Policy, which forms part of these Terms for all legal purposes. We recommend reading it carefully before using the site.
12. Account Cancellation and Deletion
You may, at any time:
- Stop using the site;
- Request deletion of your account and associated data by sending an email to [email protected];
- Revoke the application's access to your Google account at myaccount.google.com/permissions.
After deletion, public comments may be preserved in anonymized form to maintain the integrity of discussion history, unless you specifically request otherwise.
13. Amendments to These Terms
These Terms may be updated at any time. The date of the most recent update is indicated at the top of the document. Material changes will be highlighted on the site's home page. Continued use of the site after the publication of a new version constitutes acceptance of the revised terms.
14. General Provisions
- Severability: the invalidity or unenforceability of any provision of these Terms shall not affect the remaining provisions, which shall remain in full force and effect.
- Waiver: Rico aos Poucos's failure to enforce any obligation under these Terms shall not constitute a novation or waiver.
- Communications: notices may be sent via the email address linked to your Google account or by prominent posting on the site.
- Assignment: you may not assign your rights and obligations under these Terms to third parties. Rico aos Poucos may assign them to successors in the event of a project reorganization.
15. Governing Law and Jurisdiction
These Terms are governed by the laws of the Federative Republic of Brazil. In consumer relations, the court of the user's domicile is elected; in all other cases, the court of the domicile of the project owner shall have jurisdiction to resolve any disputes arising from these Terms.
16. Contact
Questions, suggestions, abuse reports, and requests related to these Terms may be sent to:
- Email: [email protected]
- Website: ricoaospoucos.com.br
By continuing to use Rico aos Poucos, you confirm that you have read, understood, and fully accepted these Terms of Service and the Privacy Policy.