Welcome to Loki.
These Terms and Conditions ("Terms") govern the access and use of our website (www.loki.global) and establish the general conditions for contracting services provided by Loki Soluções Corporativas Ltda (CNPJ 63.809.730/0001-58) and Loki Capital Fomento Mercantil Ltda (CNPJ 64.852.630/0001-77), both headquartered at Av. Prof. Francisco Morato, 4886, Conj 187, Vila Sonia, São Paulo/SP, CEP 05520-200, hereinafter jointly referred to as "Loki" or "We".
Our services include: Financial BPO, CFO as a Service, Business Consulting and Capital (factoring).
By accessing our website, filling out our forms or contracting our services, you ("Client", "User" or "Contracting Party") declare that you have read, understood and accepted the following clauses in full.
1. Definitions
- Financial BPO (Business Process Outsourcing): Outsourcing of operational financial process management.
- CFO as a Service: Financial intelligence, controllership and management reporting services.
- Business Consulting: Analysis of financial processes, operational diagnostics and strategic recommendations.
- Capital (Factoring): Receivables assignment, invoice discounting and factoring operations.
- Platform: Any software, website, application or BI dashboard developed internally or used by Loki for service delivery.
2. Nature of Services
Loki acts as a provider of administrative and financial management services, business consulting and factoring.
Loki Soluções Corporativas Ltda provides Financial BPO, CFO as a Service and Business Consulting. We expressly declare that Loki Soluções Corporativas is not a bank, financial institution or insurer.
Loki Capital Fomento Mercantil Ltda operates as a factoring company. It is not a financial institution under Brazilian law and does not collect deposits from the public.
3. Security and Access
3.1. Master Password Prohibition
It is strictly PROHIBITED for the Client to provide their personal banking password, "Master" password or final authorization tokens to any Loki employee.
3.2. Maker-Checker Model
All access to Client bank accounts is performed exclusively through secondary users or operators with restricted profiles. Loki schedules payments; the Client authorizes with their bank token.
4. Limitation of Liability
Loki shall not be liable for:
- Failures or unavailability of banking systems or third-party software
- Business decisions made by the Client based on reports and recommendations
- Insufficient funds in Client accounts for scheduled payments
5. Data Protection
Both parties agree to comply with applicable data protection laws. Loki acts as a Data Processor for personal data processed during service delivery.
6. Intellectual Property
Financial data and generated reports belong exclusively to the Client. Methodologies, proprietary spreadsheets, dashboards and processes developed by Loki are our exclusive intellectual property.
7. Termination
The service contract may be terminated by either party with 30 days' written notice. Upon termination, Loki will return all Client data in an organized manner.
8. Governing Law
These Terms are governed by Brazilian law. The parties submit to the jurisdiction of São Paulo/SP.