1. Scope
These Terms of Use apply to all users of the website msbc.today, which is operated by MSBC CONTABILIDADE LTDA, Rua Quinze de Novembro 6901, Andar Primeiro Sala 09 10 e 11, Vila Nova, Joinville/SC, CEP 89.237-003, Brazil (hereinafter “Provider”).
By accessing this website and using the content and services offered, the user agrees to these Terms of Use. If the user does not agree to these terms, the user must refrain from using the website.
Deviating terms and conditions of the user are not recognized unless the Provider expressly agrees to their validity in writing.
2. Conclusion of Contract
The presentation of products and content on the website does not constitute a legally binding offer, but rather a non-binding invitation to the user to place an order.
A contract is concluded as soon as the user completes the ordering process and receives the order confirmation by email. By completing the order, the user makes a binding offer to purchase the selected product.
The Provider reserves the right to refuse orders without stating reasons, in particular in the event of suspected misuse or violations of these Terms of Use.
3. Prices and Payment
The price of the digital product is 49,00 € including applicable sales tax, where applicable. All prices are final prices.
The following payment methods are accepted:
- Credit card (Visa, Mastercard, American Express)
- PayPal
- Instant bank transfer / Klarna
- Other payment methods offered during the ordering process
Payment is due immediately upon ordering. Access to the digital product is granted only after payment has been received in full.
4. Delivery of Digital Products
The product offered is a digital product in PDF format. Delivery takes place immediately after receipt of payment by providing a download link via email to the email address specified by the user.
The user is responsible for providing a valid email address and for ensuring that delivery is not prevented by spam filters or similar technical settings.
If the user does not receive the download link, they are asked to contact the Provider within 14 days of purchase at [email protected] .
5. Copyright
All content on this website — including texts, graphics, images, layouts, logos, and downloadable files — is protected by copyright and is the property of the Provider or the respective rights holders.
The purchased digital product may be used exclusively for the buyer’s personal, non-commercial use. Any form of reproduction, distribution, making publicly available, disclosure to third parties or commercial exploitation — in whole or in part — is prohibited without the Provider’s prior written consent.
Copyright infringements may result in civil and criminal consequences.
6. Disclaimer
The information provided on this website and in the products offered is intended solely for general education and information. It does not constitute medical, therapeutic, or health advice and in no case replaces consultation with a qualified physician, therapist, or other healthcare provider.
The Provider assumes no liability for health decisions made on the basis of the content provided. Any application of the information is at the user's own risk.
The Provider is not liable for damages arising from the use or unavailability of the website or the digital products, to the extent permitted by law. This includes in particular indirect damages, lost profits, and data loss.
This limitation of liability does not apply in cases of intent, gross negligence or breach of essential contractual obligations (cardinal obligations).
7. Right of Withdrawal
Consumers have a statutory right of withdrawal. Complete information on the right of withdrawal, including the withdrawal period, the conditions, and the model withdrawal form, can be found in our separate Cancellation Policy.
Please note that the right of withdrawal for digital content may expire early under certain conditions, in particular if performance of the contract has begun and the consumer has expressly consented to this.
8. Dispute Resolution
The European Commission provides a platform for online dispute resolution (ODR), which can be accessed at the following link: https://ec.europa.eu/consumers/odr/
You can find our email address above in the Legal Notice as well as at: [email protected]
Pursuant to §36 of the German Consumer Dispute Resolution Act (VSBG), we are neither willing nor obligated to participate in dispute resolution proceedings before a consumer arbitration board.
9. Applicable Law
All legal relationships between the Provider and the user are governed by the law of the Federal Republic of Germany, excluding the UN Convention on Contracts for the International Sale of Goods (CISG — United Nations Convention on Contracts for the International Sale of Goods).
With respect to consumers, this choice of law applies only insofar as it does not deprive them of the protection granted by mandatory provisions of the law of the country in which the consumer has their habitual residence (Art. 6(2) Rome I Regulation).
10. Severability Clause
Should individual provisions of these Terms of Use be or become invalid or unenforceable after the conclusion of the contract, the validity of the remaining provisions shall remain unaffected.
The invalid or unenforceable provision shall be replaced by the valid and enforceable provision whose effects come closest to the economic objective that the contracting parties pursued with the invalid or unenforceable provision.
11. Changes to the Terms of Use
The Provider reserves the right to change these Terms of Use at any time and without separate notice. The current version can be viewed on the website. The version of the Terms of Use valid at the time of the order applies.
Users are advised to check the Terms of Use regularly for changes.
Last updated: July 2026