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We know that it is sometimes “tempting” to skip these terms and conditions, but it is essential to establish what we expect from you and what our service (SMS) should offer you. These SMS Terms and Conditions of Use reflect the way our services – INFOPRODUCTS, are presented to our users and which laws, regulations or policies are applied. So, below is the information:  What do we expect from you?  Transparency, clarity and respect when using our services; What can you expect from us?  Respect, clarity, honesty and access to provide our service (SMS) with absolute transparency – whether in these terms or access to information. What can you expect from our content? Information and tips on the financial market and services to improve financial life, from our partners in the same field and also in the investment sector. It is worth mentioning that the understanding of these terms is necessary to guarantee our services and relationship with our users, including their acceptance. Always aiming to guarantee the transparency of our services – Infoprodutos, with users, in addition to these terms, we make available our  Privacy Policy ,  Disclaimer  and  General Terms and Conditions of Use .


– “TEXT MESSAGING SERVICE” – SMS, comprises any situation or agreement in which MMV – Memivi, sends one or more text messages in relation to the services of Info-products.

– “USER”, is any individual – aged 18 (eighteen) years or older, sole holder and holder of a valid telephone number registered in the country of origin – in any of the authorized and regulated operators by the competent organs in telecommunications of the country, provided by the same in our “QUIZ”.

– “OPT-IN” refers to register, register, request, agree and consent to the receipt of one or more SMS – Text Messaging Service, from our team.

– “MULTIFINANÇA“, means the Blog that performs the management of the shots of SMS – Text Messaging Service, with the contents of Infoproducts.


By registering through our “QUIZ” and “ACTIVATING” our notification services – Info-products, via SMS – Text Messaging Service, at, you (USER) agree and accept the conditions of these terms:  We are committed to the “unique” relationship with our USERS, therefore, these terms are conditioned to the USER’s waiver of composing any CLASS ACTION, even if the USER disagrees in part or in full with these terms, we will present the ARBITRATION solution ( Law No. 9,307 of 1996) prior to any judicial solution.


By registering for our “QUIZ”, clicking on “Opt-In”, you affirm that you agree with all the terms and conditions contained in this  SMS Term of Use  – Text Messaging Service,  Privacy Policy and General Terms and Conditions of Usage . In addition, he declares to be the holder, subscriber and sole owner of the telephone number provided at the time of registration, authorizing the receipt of SMS – Text Messaging Service and stating that he is 18 (eighteen) years old or older.


The firing of SMS – Text Messaging Service, with the contents of Info-products is available to the Telecommunications Operators registered in the competent organs of the user’s country of origin.


To ensure transparency in the offer of content with info-products through SMS – Text Message Service, we provide an indirect trigger activated with the word “STOP”, in this way, you will no longer receive the SMS – Text Message Service . However, if you return to the “QUIZ” and re-register your phone number, “IT WILL ACTIVATE” the receipt of new messages.


We use the technologies of the companies: TWILLO.INC and AKNA, to send out SMS – Text Message Service.


By agreeing to receive our SMS triggering – Text Messaging Service, and consent ing to data collection, you accept the conditions for processing, storing and sharing the data – telephone number, safeguards by laws or regulations of your country of origin, for example, CCPA, PIPEDA, GDPR among others.  However, you may at any time REPEAL consent at any time with respect to the processing and storage of the data by sending a message to the e-mail [email protected]  


The legislation applicable in this contract will be the one that fits and is in force in Brazil, in conflicts between the USER and the Info-products portal (, the order of preference will follow Law n.º 9.307 of 1996 – Arbitration  , safeguarding the provisions of  Law No. 8078 of 1990 – Consumer Defense Code.


In case of refusal in the composition of the Arbitration for the resolution of conflicts with the USER, the forum to settle any judicial conflicts will be the city of Belo Horizonte – MG. Version 1.1 of January 2023