These terms apply to anyone who visits the website of VersatilSeg Insurance Brokers (VersatilSeg Corretora de Seguros). By browsing this site, you agree to the rules below. If you do not agree, please do not use the site.
This English version is provided for convenience. If there is any discrepancy, the Portuguese version (available through the Brazilian flag at the top of the page) prevails.
1. About VersatilSeg and this site
VersatilSeg is an insurance broker: we help you understand your needs, compare proposals and broker the purchase with insurers. We are not an insurer and do not issue policies in our own name.
This site is informational. It presents the types of insurance we work with and makes it easy to reach our team by WhatsApp, phone or email.
2. Insurance and coverage information
The descriptions of insurance and coverage on this site are general and meant as guidance. Coverage, limits, waiting periods, deductibles and exclusions vary by insurer and plan.
What applies is always what is stated in the general terms and in the policy issued by the insurer. When we quote, we explain every item in the proposal before you decide.
3. Quotes and purchase
- A quote is an estimate based on the information you provide and the insurer's terms at that moment. It does not guarantee coverage or the final price.
- The purchase depends on the insurer's assessment and acceptance of the risk.
- You are responsible for providing true and complete information. Incorrect or omitted information may change the price or void the right to compensation, under the Brazilian Civil Code.
- No policy is purchased without your express confirmation.
4. Acceptable use
When using the site, you agree not to:
- Provide false data or someone else's data without authorization.
- Try to access restricted areas, interfere with the site or exploit security flaws.
- Use bots or automated tools to copy content in bulk.
- Use the site for any unlawful purpose or one that harms others.
5. Intellectual property
The brand, logo, texts, images and layout of this site belong to VersatilSeg or are used with permission. You may not copy, reproduce or use this content for commercial purposes without our written permission.
6. Third-party links and services
The site links to third-party services, such as WhatsApp and insurer websites. These services have their own terms and privacy policies, and we are not responsible for their content or practices.
7. Availability and liability
We work to keep the site online and up to date, but it may be unavailable due to maintenance or technical issues, and some information may change without notice. We are not responsible for decisions made solely based on the site's content, without our team's guidance and a reading of the insurer's terms. Nothing in these terms limits rights guaranteed by the Brazilian Consumer Protection Code.
8. Privacy and cookies
How we process your personal data and use cookies is described in our Privacy Policy, which is part of these terms.
9. Changes to these terms
We may update these terms at any time. The version in force is always the one published on this page, with the date of the last update at the top.
10. Governing law
These terms are governed by the laws of Brazil. Any dispute will be settled in the courts of the consumer's place of residence, as provided by the Brazilian Consumer Protection Code.
11. Contact us
Questions about these terms? Write to contato@versatilseg.com.br or reach us on WhatsApp (11) 99947-1206.