Terms of Service

1. Acceptance of Terms

By accessing or using Essentia Business (the "Site"), operated by Robertyman Ribeiro ("we", "us"), you agree to be bound by these Terms of Service. If you do not agree with any part of these terms, please do not use the Site.

2. Use of the Site

You may use the Site for lawful, personal and informational purposes only. You agree not to:

• Attempt to gain unauthorized access to the Site, its servers or databases;
• Interfere with the normal operation of the Site, including via automated scraping, bots or denial-of-service techniques;
• Republish, sell or redistribute the Site's content without prior written consent;
• Use the Site to transmit malicious code or unlawful material.

3. Content & Intellectual Property

All articles, reviews, graphics, logos and interactive tools published on the Site are the property of Essentia Business or its licensors and are protected by copyright and other intellectual property laws. You may share links to our content and quote short excerpts with attribution, but you may not reproduce substantial portions without permission.

4. Affiliate Disclosure & Advertising

Essentia Business is reader-supported. Some of the links on the Site — including links to Amazon and other retailers — are affiliate links. If you click on an affiliate link and make a purchase, we may earn a commission at no additional cost to you. This does not influence our editorial opinions, which are based on independent research and hands-on testing.

We also display advertising (including Google AdSense). Advertisers are responsible for the accuracy of their own claims.

5. No Professional Advice

The content on the Site is provided for general informational and educational purposes only. It does not constitute financial, tax, legal, accounting or professional advice. Interactive calculators are provided "as is" and are intended as estimation tools; you should verify any decision with a qualified professional before acting.

6. Third-Party Links & Products

The Site may link to third-party websites and products. We have no control over, and assume no responsibility for, the content, policies or practices of any third-party sites or the availability, quality or suitability of third-party products. Purchases made through external retailers are subject to those retailers' own terms.

7. Limitation of Liability

To the maximum extent permitted by law, Essentia Business and its owner shall not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits or data, arising from your use of, or inability to use, the Site or its tools. The interactive calculators and forecasts are estimates and may contain errors.

8. Privacy

Your use of the Site is also governed by our Privacy Policy, which explains how we collect, use and protect personal data, including your rights under the GDPR and US privacy laws.

9. Changes to These Terms

We may update these Terms from time to time. The "Last updated" date at the top of this page indicates the most recent revision. Continued use of the Site after changes constitutes acceptance of the revised terms.

10. Contact

Questions about these Terms can be sent to contato@essentiabusiness.com or through our Contact page.