Terms of Service

1. Who we are

BRZ News is a financial news and media publisher covering Brazilian markets, companies, and the economy, in English, for a global audience. BRZ News is not a registered investment adviser, broker-dealer, or financial planner. See our Disclaimer for the full scope of what our content is — and is not.

2. Eligibility & accounts

You must be at least 18 years old (or the age of majority in your jurisdiction) to create an account. You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.

You agree to provide accurate registration information and to keep it up to date. We may suspend or terminate accounts that violate these Terms or that we reasonably believe are fraudulent, abusive, or created to circumvent access restrictions.

3. Plans, subscriptions & billing

• BRZ News offers a Free tier and paid tiers (PRO and Institutional; legacy Standard and Premium plans remain available to existing subscribers) with different features, described on our Subscribe page.
• Paid subscriptions renew automatically (weekly, monthly or annually, as selected) until cancelled. You can cancel anytime from your account settings; cancellation takes effect at the end of the current billing period.
• Fees are billed in advance. The 7-day money-back guarantee applies to the annual PRO plan: new annual subscribers may request a full refund within 7 days of their first annual payment. Weekly payments, including the first-week offer described below, have no voluntary refund, and you can cancel anytime. Weekly subscriptions started while our site offered a first-payment guarantee on weekly plans keep that guarantee for their first payment. Beyond that, fees are non-refundable except where required by law or expressly stated at the time of purchase.
• When offered, the PRO first-week offer is for first-time subscribers to weekly PRO: you pay US$1 for your first 7 days, with BRZ.Picks and Albert AI included during that week. Your subscription then renews automatically every week at US$4.50, or US$5.50 if you keep the BRZ.Picks and Albert AI add-on, until you cancel in your billing portal. Without the add-on, BRZ.Picks and Albert AI end when the first week ends. One offer per customer; we do not charge you if you are not eligible.
• The End of Brazil campaign offers eligible new subscribers one 7-day PRO trial with a verified account and valid card. No subscription payment is charged during the trial. After Stripe confirms the card setup and trial, the report can be downloaded. Your selected annual or weekly plan is charged automatically at the price and on the date shown at checkout unless you cancel before the trial ends. Annual PRO includes BRZ.Picks and Albert AI; weekly PRO includes them only with the optional research add-on. Manage cancellation in your billing portal. Card verification may appear as a temporary authorization by your bank; it is not a subscription payment.
• For subscriptions started through The End of Brazil trial, the trial replaces the voluntary 7-day money-back guarantee: there is no additional voluntary refund window after the first charge. This does not limit any refund or cancellation rights required by applicable law. Existing subscriptions and subscriptions purchased outside this campaign retain their applicable terms.
• We may change our pricing or plans prospectively, with notice, and any change will not retroactively affect a billing period you've already paid for.

4. Acceptable use

You agree not to: (a) scrape, resell, or redistribute our content or data without written permission; (b) reverse-engineer, decompile, or attempt to extract the underlying models or logic of Albert (AI) or our other AI systems; (c) use the Services to violate any law, infringe any right, or transmit malicious code; (d) attempt to circumvent access controls, rate limits, or subscription tiers; or (e) misrepresent your identity or affiliation.

5. Not investment advice

Nothing on the Services — including articles, data, the BRZ Model Portfolio, PRO research, alerts, or output from Albert (AI) — is personalized investment, legal, or tax advice, or a recommendation or solicitation to buy or sell any security. See our Disclaimer, which is incorporated into these Terms by reference.

5a. Albert (AI) disclaimer

Albert is an AI chat assistant available to PRO subscribers, grounded in BRZ News' own articles, the BRZ Model Portfolio, and live market data. Albert may provide incorrect, incomplete, or outdated information, and its responses are not reviewed by our editorial team before being shown to you. Always verify anything important through independent sources.

Albert is never financial, legal, or tax advice, and never a recommendation to buy, sell, or hold any security. Nothing Albert tells you reflects a personalized assessment of your financial situation, objectives, or risk tolerance. Before making any investment decision, consult a licensed financial advisor.

Albert is provided “as is,” without warranty of any kind. To the maximum extent permitted by law, BRZ News and NWX Capital Group are not liable for any loss or damage arising from your use of, or reliance on, Albert's responses. Do not share sensitive personal or financial account information in your conversations with Albert.

6. Intellectual property

All content, design, trademarks, and software on the Services are owned by BRZ News/NWX Capital Group or our licensors and are protected by copyright, trademark, and other laws. We grant you a limited, non-exclusive, non-transferable license to access and use the Services for personal, non-commercial use (or internal business use, for Institutional plans), subject to these Terms.

7. Third-party content & links

The Services may link to or reference third-party websites, data providers, or content (including embedded market-data widgets). We do not control and are not responsible for third-party content, and inclusion of a link does not imply endorsement.

8. Disclaimers & limitation of liability

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT MARKET DATA WILL BE ACCURATE OR TIMELY.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BRZ NEWS AND NWX CAPITAL GROUP WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, TRADING LOSSES, OR DATA, ARISING FROM YOUR USE OF THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

9. Indemnification

You agree to indemnify and hold harmless BRZ News, NWX Capital Group, and their officers, employees, and agents from any claim or demand arising from your violation of these Terms or misuse of the Services.

10. Changes to these Terms

We may update these Terms from time to time. Material changes will be posted here with an updated effective date. Continued use of the Services after changes take effect constitutes acceptance of the revised Terms.

11. Governing law

These Terms are governed by the laws applicable in the jurisdiction where NWX Capital Group is organized, without regard to conflict-of-law principles, except where local consumer-protection law requires otherwise.

12. Contact

Questions about these Terms? Contact us at info@brznews.com or through our Contact page.