Terms of Service

1. Acceptance of These Terms

These Terms of Service (the "Terms") govern your access to and use of hrcmall.com and any associated pages, content, features, or resources operated by HRCMALL Ltda. under the Health Insider brand (collectively, the "Site").

By accessing, browsing, or using the Site, you confirm that you have read, understood, and agree to be bound by these Terms, together with our Privacy Policy and Disclaimer, which are incorporated by reference.

If you do not agree with any part of these Terms, you must stop using the Site immediately.

2. Who We Are

HRCMALL Ltda. is a Brazilian company that operates Health Insider as an independent informational platform. The Site publishes general wellness and health-related educational content and may host affiliate links that direct users to third-party websites, products, or services.

3. Informational and Educational Content Only

All content available on the Site is provided for general informational and educational purposes only. Nothing on the Site is intended to be, or should be interpreted as:

• medical, psychological, nutritional, pharmaceutical, legal, financial, or professional advice;
• a diagnosis, prescription, treatment plan, or therapeutic recommendation;
• a substitute for consultation with a qualified healthcare professional;
• a guarantee of any health, wellness, financial, or personal result;
• the creation of any doctor-patient, provider-patient, advisory, fiduciary, or professional relationship.

Before starting, stopping, or changing any supplement, diet, exercise, medication, or health-related routine, you should consult a licensed healthcare professional. You are solely responsible for any decisions you make based on information available on or through the Site.

4. Affiliate Links and Commercial Disclosure

The Site may contain affiliate links. This means that HRCMALL Ltda. may receive a commission if you click a link and make a purchase from a third-party website, at no additional cost to you.

We aim to make affiliate relationships clear and transparent. Affiliate links do not mean that HRCMALL Ltda. manufactures, sells, ships, guarantees, or provides customer service for any third-party product. We do not control third-party pricing, availability, checkout pages, shipping, refund policies, subscriptions, billing practices, product formulation, or advertising claims.

When you click an external or affiliate link, you leave the Site and become subject to the third party's own terms, policies, disclosures, and business practices.

5. No Product, Health, or Earnings Guarantees

HRCMALL Ltda. does not guarantee that any product, service, method, ingredient, information, or third-party offer mentioned on the Site will be accurate, suitable, safe, effective, available, lawful in your jurisdiction, or appropriate for your personal circumstances.

Statements about third-party products are based on information available at the time of publication, public sources, manufacturer-provided materials, or editorial research. Product information may change without notice.

6. Google Ads, Advertising, and Platform Compliance

HRCMALL Ltda. seeks to maintain a transparent, useful, and functional website experience. The Site is designed to provide clear disclosures regarding our role, third-party links, affiliate relationships, and the informational nature of our content.

However, inclusion of any content on the Site does not guarantee approval by Google Ads or any other advertising platform. Advertising platforms may review landing pages, claims, user experience, business transparency, healthcare-related content, and destination functionality under their own policies.

7. User Conduct

When using the Site, you agree not to:

• use the Site for any unlawful, fraudulent, abusive, or harmful purpose;
• attempt to gain unauthorized access to the Site, its servers, databases, or systems;
• interfere with the security, availability, or normal operation of the Site;
• copy, scrape, crawl, harvest, or extract content through automated means without written permission;
• submit or transmit malicious code, spam, defamatory material, or content that violates the rights of others;
• misrepresent your identity or your relationship with HRCMALL Ltda. or any third party.

8. Intellectual Property

Unless otherwise indicated, the original content, structure, layout, text, graphics, visual elements, code, and branding displayed on the Site are owned by HRCMALL Ltda. or used under permission, license, or applicable law.

You may not reproduce, distribute, modify, republish, sell, exploit, or create derivative works from Site content without prior written authorization from HRCMALL Ltda., except for limited personal, educational, journalistic, or quotation use with clear attribution to hrcmall.com, where permitted by applicable law.

9. Third-Party Websites, Products, and Services

The Site may include links to external websites, advertisers, merchants, manufacturers, payment processors, or other third parties. These links are provided for convenience and informational purposes only.

HRCMALL Ltda. does not control and is not responsible for third-party websites, products, services, content, policies, claims, transactions, data practices, customer service, or legal compliance. Any purchase, dispute, refund request, chargeback, subscription cancellation, warranty claim, health issue, or product complaint must be handled directly with the applicable third party.

10. Availability and Technical Operation

We make reasonable efforts to keep the Site accessible, secure, and functional. However, we do not guarantee that the Site will be uninterrupted, error-free, virus-free, secure, or available at all times. The Site may be modified, suspended, restricted, or discontinued at any time without prior notice.

11. Disclaimer of Warranties

The Site and all content are provided on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, statutory, or otherwise. To the maximum extent permitted by applicable law, HRCMALL Ltda. disclaims all warranties, including warranties of accuracy, completeness, reliability, merchantability, fitness for a particular purpose, non-infringement, availability, and security.

12. Limitation of Liability

To the maximum extent permitted by applicable law, HRCMALL Ltda., its owners, officers, employees, contractors, partners, and affiliates shall not be liable for any direct, indirect, incidental, consequential, special, punitive, exemplary, or similar damages arising from or related to:

• your use of, or inability to use, the Site;
• your reliance on any content published on or linked from the Site;
• any product, service, claim, act, omission, transaction, or policy of any third party;
• health, financial, personal, technical, reputational, or commercial consequences related to your use of information or links on the Site;
• unauthorized access, technical failure, data loss, malware, interruption, or errors.

Some jurisdictions do not allow certain limitations of liability. In such cases, the limitations will apply to the fullest extent allowed by law.

13. Indemnification

You agree to indemnify and hold harmless HRCMALL Ltda., its owners, officers, employees, contractors, partners, and affiliates from and against any claims, damages, liabilities, losses, costs, and expenses, including reasonable legal fees, arising out of or related to your use of the Site, your violation of these Terms, your violation of applicable law, or your infringement of any third-party rights.

14. Changes to These Terms

HRCMALL Ltda. may update these Terms at any time. Updates become effective when posted on this page, unless otherwise stated. The "Last updated" date will indicate the most recent version. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms.

15. Governing Law and Jurisdiction

These Terms are governed by the laws of the Federative Republic of Brazil, without prejudice to any mandatory consumer protection rules that may apply in your place of residence. To the extent permitted by applicable law, the courts of Manaus, State of Amazonas, Brazil, shall have jurisdiction over disputes arising from these Terms or the use of the Site.

16. Contact Us

For questions, legal notices, or requests related to these Terms, please contact us: