Terms of Use

Last Updated: May 29, 2026

1. Acceptance of Terms

By accessing and using any product or service sold through My Checkout Hub (mycheckouthub.com) and its associated pages, you agree to comply with and be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use our services.

These Terms constitute a legally binding agreement between you (“user,” “customer,” or “you”) and CLUSTER MARKETING LTDA, registered under CNPJ No. 45.515.460/0001-90 (“we,” “us,” “the company,” or “My Checkout Hub”).

2. Description of Services

We market digital educational products in the areas of wellness, healthy eating habits, and personal development, which may include:

Access to web applications and digital platforms
E-books and downloadable digital guides
Members-only area with exclusive content
Complementary materials (recipes, schedules, additional resources)
Periodic content updates (when applicable to the product)
Customer support via email

The specific scope of each product, including available content, access duration, and included materials, will be detailed on the corresponding sales page at the time of purchase.

3. Eligibility

To use our services, you represent and warrant that:

You are at least 18 years of age (or the legal age of majority in your jurisdiction to enter into binding contracts)
You have the legal capacity to accept these Terms
You are not using third-party payment details without proper authorization
All information provided during registration and purchase is true, accurate, and complete

If you are making a purchase on behalf of a minor, you assume full responsibility for their use of the service.

4. Purchase and Payment

4.1 Payment Options

Our products may be offered under the following payment models:

One-time purchase: A single payment granting access to the product according to the terms of the offer.
Recurring subscription: Automatic periodic charges (monthly, annual, or other interval specified in the offer) that keep your access active while the subscription remains valid.

The payment model will be clearly stated on the checkout page before you confirm your purchase.

4.2 Consent for Recurring Charges

By purchasing a recurring subscription product, you expressly authorize us to:

Process automatic charges to your registered payment method according to the frequency established in the offer (for example, every 30 days).
Continue recurring charges until you cancel your subscription as described in Section 6 of these Terms.
Perform automatic retries for a reasonable period in the event of a payment failure (e.g., expired card or insufficient funds).

You will receive an email notification prior to each automatic renewal stating the amount and date of the upcoming charge.

4.3 Payment Processing

All payments are securely processed through Stripe (stripe.com), a PCI-DSS Level 1 certified payment processor. Your complete credit or debit card details are never stored on our servers. All financial information is processed and protected exclusively by Stripe. For more information, please review Stripe’s Privacy Policy at stripe.com/privacy.

4.4 Currency and Pricing

Prices are displayed in the currency indicated on the checkout page. Depending on your location, the price may be shown in your local currency. Currency conversion, when applicable, is handled by Stripe at the time of payment using current exchange rates. Your card issuer may apply additional conversion fees according to their own policies. Prices may vary based on promotions, campaigns, or periodic adjustments. The price in effect at the time of purchase will apply to your transaction.

4.5 Statement Identification

Charges made through our platform will appear on your bank or credit card statement under the descriptor “My Checkout Hub” or a similar descriptor associated with the purchased product.

If you do not recognize a charge, please contact us directly at [email protected] before initiating a dispute with your bank. We will resolve any issue quickly and efficiently.

5. Product Access and Digital Delivery

5.1 Delivery Method

All of our products are 100% digital. Upon payment confirmation, you will receive an email with access instructions and/or relevant download links.

Access is granted according to the purchased model:

One-time purchase: Access for the timeframe specified in the offer (perpetual or time-limited, as stated on the sales page).
Recurring subscription: Continuous access as long as your subscription is active and payments are up to date. If the subscription is canceled or payment fails, access will be revoked at the end of the paid billing period.

5.2 Technical Requirements

To access our digital products, you require:

A stable internet connection
An updated web browser (Chrome, Safari, Firefox, or Edge)
A compatible device (computer, tablet, or smartphone)

We are not responsible for access issues caused by technical limitations of your device, internet connection, or browser configurations.

5.3 Access Credentials

Access credentials (email and password) are personal and non-transferable. You are responsible for maintaining the confidentiality of your credentials and for all activities performed under your account.

6. Subscription Cancellation

6.1 Your Right to Cancel

If you purchased a recurring subscription product, you may cancel at any time with no penalties or cancellation fees.

6.2 How to Cancel

Option 1 — Customer Portal (Fastest): Access your subscription management portal using the link provided in your purchase confirmation email. Through the portal, you can autonomously cancel, update your payment method, or view your billing history.
Option 2 — Email: Send a message to [email protected] with the subject line “Subscription Cancellation,” including your full name and the email address used for the purchase. We will process your request within 24 business hours.

6.3 Effects of Cancellation

Upon cancellation:

No further charges will be made.
Your access will remain active until the end of the current paid billing cycle.
Once the paid cycle ends, your access will be revoked.
No automatic prorated refund is issued for the remaining days of the current billing cycle (except as provided under our Refund Policy).

7. Refund Policy (Summary)

We offer a 7-day unconditional money-back guarantee from the date of purchase. Within this timeframe, you may request a full refund without providing any justification. For full details regarding refunds, cancellations, recurring billing, and exceptions, please refer to our Refund & Cancellation Policy available on our website.

8. Acceptable Use

By using our services, you agree not to:

Share your access credentials with third parties
Reproduce, distribute, market, or resell any part of the content by any means
Use the service for commercial or non-personal purposes
Attempt to gain unauthorized access to restricted areas of the system or other user accounts
Use the content for unlawful, defamatory, or infringing purposes
Reverse engineer, decompile, or attempt to extract the source code of our applications

Failure to comply with these rules may result in the immediate suspension or permanent termination of your access without refund, without prejudice to any applicable legal actions.

9. Intellectual Property

All content made available through our products — including but not limited to text, videos, images, audio, graphics, interfaces, source code, visual identity, trademarks, and supplementary materials — is the exclusive property of CLUSTER MARKETING LTDA or its licensors, protected by applicable copyright and intellectual property laws.

Purchasing a product grants you a personal, non-exclusive, non-transferable, and revocable license to access and use the content strictly for personal purposes. This license does not constitute a transfer of ownership or intellectual property rights. Reproduction, redistribution, modification, publication, or commercial use of the content without prior written consent from CLUSTER MARKETING LTDA is strictly prohibited.

10. Important Content Disclaimer

10.1 Educational Nature

Our products are strictly for educational and informational purposes. They do not constitute medical, nutritional, psychological, or other professional health advice.

10.2 Consult a Professional

Before implementing any changes to your diet, exercise routine, or lifestyle based on our content, consult a qualified healthcare professional. This is especially critical if you have pre-existing medical conditions, are pregnant, nursing, or taking medications.

10.3 Individual Results

Results obtained from our products vary from person to person and depend on numerous individual factors, including program adherence, baseline physical condition, dietary habits, and overall lifestyle. We do not guarantee specific outcomes. Testimonials or success stories displayed on our pages reflect individual experiences and should not be interpreted as a guarantee of results.

10.4 User Responsibility

The use of information and content provided is at the user’s sole risk. The company assumes no liability for decisions made based on the content of its products.

11. Limitation of Liability

To the maximum extent permitted by applicable law, CLUSTER MARKETING LTDA shall not be liable for:

Indirect, incidental, special, or consequential damages
Loss of profits, revenue, or business opportunities
Damages resulting from the improper use of the content
Service interruptions caused by technical failures, scheduled maintenance, or external factors beyond our control
Issues related to third-party service providers, including the payment processor (Stripe)
Incompatibility of the product with your device, browser, or internet connection

Our total aggregate liability for any claim arising out of or related to our services shall not exceed the total amount paid by you in the 12 months preceding the claim.

12. Dispute Resolution

In the event of any dispute or claim related to our services:

Contact us first: Send an email to [email protected] outlining your issue. We commit to seeking an amicable resolution within 15 business days.
Mediation: If an agreement is not reached, both parties may resort to mediation as an alternative dispute resolution method.
Governing Law & Jurisdiction: These Terms are governed by the laws of the Federative Republic of Brazil. Any dispute shall be submitted to the courts of the company’s headquarters, without prejudice to consumer rights to file in their local jurisdiction where mandated by law.

13. Modifications to these Terms

We reserve the right to modify these Terms of Use at any time. When material changes occur, we will notify you by email or via a prominent notice on our website at least 7 days before the changes take effect. Continued use of our services after the effective date constitutes acceptance of the revised Terms. If you disagree with the changes, you may cancel your subscription prior to their effective date.

14. General Provisions

Entire Agreement: These Terms, together with our Privacy Policy and Refund Policy, constitute the entire agreement between you and the company regarding the use of our services.
Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.
Waiver: Failure by the company to enforce any right under these Terms shall not constitute a waiver of such right.
Assignment: You may not assign or transfer your rights under these Terms without our prior written consent. The company may assign its rights and obligations in connection with a merger, acquisition, or sale of assets.

15. Contact Information

For questions regarding these Terms of Use:

CLUSTER MARKETING LTDA
CNPJ: 45.515.460/0001-90
Address: Estrada Francisco da Cruz Nunes, 3095, Sala 209, Itaipu, Niterói – RJ, CEP 24340-000, Brazil
Email: [email protected]
Response Time: Within 48 business hours