Consumer Terms of Service

Application and acceptance

These Terms apply to a checkout, payment link, transfer flow, or interface of the seller or beneficiary when the transaction is processed through Raims infrastructure and the business's own front end states that the payment is being processed by Raims. The payer does not need to open the documents referenced in the notice. Where a purchase or service is involved, these Terms do not replace the sales terms, cancellation policy, refund policy, or privacy notice of the business selling the product or providing the service.

When this notice is displayed in the business checkout or flow, the payer agrees to these Terms by voluntarily completing the payment. The payer does not need to open the links, select a checkbox, provide separate confirmation, or complete an additional step for this acceptance. Rights guaranteed by Brazilian law, including the Consumer Protection Code, remain preserved.

In a transparent checkout, the seller must display the textual notice in a legible manner that is visible to the end customer. The expression ‘Consumer Terms of Service’ must contain a functional link to https://raims.com/en/consumer-terms, as required by the Platform Terms of Use. The notice may be discreet and does not require a checkbox or separate confirmation. Omission of the notice or link is a breach by the seller toward Raims, but it does not automatically eliminate payer rights or Raims' own responsibilities under applicable law.

Participants in the transaction

Where a product purchase or service agreement is involved, the relationship is between the payer and the business identified in the flow as the seller or provider, referred to in these Terms as the seller. For transfers or payments without an associated purchase, the underlying relationship is between the payer and the identified beneficiary. The seller or beneficiary is responsible for the basis, information, and obligations of that relationship.

Raims provides checkout, recording, routing, and payment-tracking technology. Unless expressly stated otherwise, Raims is not the seller of the purchased product or service and does not assume the seller's commercial obligations.

Payment execution, authorization, settlement, reversal, or dispute handling may involve banks, financial institutions, payment institutions, schemes, providers, and other partners subject to their own rules and applicable law.

Payment authorization and processing

By submitting payment, the payer requests that the transaction be processed through the selected method and confirms authorization to use the submitted data and payment instrument.

A transaction may be approved, declined, pending, expired, cancelled, or subject to additional verification. An initial screen or message does not replace final confirmation by the payment method or seller.

• Provide correct and current data needed for identification, security, receipts, and processing.
• Do not use an identity, document, account, code, or payment instrument without authorization.
• Check the final status and keep the receipt, without making duplicate payments while a transaction is pending.

Seller or beneficiary responsibilities

Where a purchase or service is involved, the seller is responsible for the consumer relationship and for information and obligations related to the offered product or service. For transfers or other payments, the beneficiary is responsible for the legitimacy and information of the underlying relationship. Commercial questions should first be directed to the channels provided by the applicable party, without prejudice to Raims channels for processing matters.

• Accurately disclose its identity, product or service, price, conditions, timeframes, and restrictions.
• Deliver the product or perform the service as agreed and provide evidence in the event of a dispute.
• Provide appropriate support for questions, complaints, cancellations, and exercise of rights.
• Review and perform cancellations, reversals, and refunds owed under the offer and applicable law.

Raims responsibilities and limitations

Raims is responsible for operating its checkout technology and transmitting payment instructions using security measures appropriate to the service, as well as maintaining records needed for support, fraud prevention, disputes, and exercise of rights.

Nothing in these Terms excludes Raims' liability for its own proven failure when applicable law requires redress. Any liability will be assessed according to each party's participation, causation, evidence, and limits permitted by law.

Raims does not guarantee the quality, existence, delivery, or fitness of a product or service sold by the seller and is not responsible for commercial information, promises, or conduct it did not create or approve. Unavailability or declines may also result from the payment method, the payer's institution, a financial partner, incorrect data, or legal and antifraud controls.

Security and fraud prevention

To protect payers and the payment ecosystem, Raims and its partners may validate data, apply security and antifraud controls, request additional information, limit attempts, or decline transactions in a proportionate manner and under applicable law.

The payer should check the checkout address, seller identification, amount, and charge details; must not share passwords, authentication codes, or bank credentials; and should promptly report suspected fraud through the appropriate channels.

Cancellations, refunds, and disputes

Requests involving delivery, quality, withdrawal rights, cancellation, or refunds must be submitted to the seller, which is responsible for reviewing the commercial relationship and taking required action. Raims may route information and support the technical flow where applicable.

Disputes, reversals, and payment-method mechanisms may follow deadlines, documentation requirements, and decisions of involved financial institutions, payment institutions, schemes, or partners. The payer must provide truthful information and cooperate with the review.

These Terms do not restrict the right to contact consumer-protection bodies, authorities, courts, or the payer's institution where applicable.

Privacy and personal data

The Raims Privacy Policy explains checkout data processing, the roles of the seller and Raims, purposes, sharing, retention, security, and data-subject rights. Acknowledging that Policy does not constitute generic consent.

Each processing activity relies on a legal basis appropriate to the context, such as contract performance, preliminary procedures, legal obligation, fraud prevention, security, exercise of rights, legitimate interest, or specific consent where required.

Electronic records and communications

Checkout records, identifiers, timestamps, status, receipts, communications, and technical evidence may be retained for the period needed for payment execution, support, reconciliation, fraud prevention, legal compliance, disputes, and exercise of rights.

Receipts, status updates, security requests, and notices may be sent to the email or contact provided, displayed at checkout, or made available by the seller and payment participants.

Law, contact, and updates

These Terms are governed by the laws of the Federative Republic of Brazil. No provision limits any venue, jurisdiction, or right guaranteed to consumers by mandatory law.

Questions about a product, service, delivery, transfer, cancellation, or refund should be directed to the seller or beneficiary, as applicable. Questions about technology processing may be sent to contact@raims.com and privacy requests to dpo@raims.com.

The current version will show its update date. When a material change affects rights, responsibilities, or personal data processing, Raims will highlight the change before new payments and, when it has an appropriate direct contact or a legal obligation applies, will notify the applicable audience by email, checkout notice, communication through the seller, or another reasonable channel. Merely editorial changes, corrections, or clarifications without a material change may be made by updating the version and date without individual notice. Urgent changes required by law, an authority, or security may take effect immediately, with notice as soon as reasonably possible. No update will retroactively reduce vested rights.