Privacy Policy

What is TILIX?

TILIX has the priority of making life easier for its Users. The TILIX App aims to organize bills that need to be paid, through bills and invoices, as well as the emails of users that contain bills or invoices in their attachments, in an interactive way, where they may categorize such bills, invoices and collected files, facilitating the identification and access to the information in the App.

In order to use TILIX in a satisfactory manner, the User will have to provide us with his / her personal data such as SSN, date of birth, city, telephone and email (or email authentication) in order for them to interact with the Software . We respect the trust deposited by Users regarding TILIX, for this reason we have adopted strict protection standards for our systems and we will not use your data in any way that is not foreseen in this Privacy Policy.

TILIX is designed so that its users organize accounts of Issuers and other personal accounts; manage personal information about their accounts, reminders and documents; and establish connections with Issuers to receive documents in digital format; and pay bills – all in one place. TILIX is committed to maintaining confidentiality, integrity and security of any and all personal information on TILIX users.

This Security and Privacy Policy (the “Policy”) explains how TILIX protects information provided through the website and applications that access this site (the “Site”) and how TILIX uses that information together with the TILIX service offered through the site (the “service”). “Personal Information” for the purposes of this Policy means the information provided to us that identifies you, such as your name, telephone number, email address, account information or other information you hold regarding your relationship with your Issuers, and any documents and information attached thereto that are stored in your name by TILIX.

TILIX‘s privacy standards are designed to protect against identity theft and sensitive data, and to ensure the security of your private information. TILIX regularly reviews privacy and security policies and adapt them as necessary to address new challenges. Capitalized terms used herein and not defined in this Policy shall have the meanings set forth in the Terms of Service.

This Privacy Policy covers the TILIX mobile application and mobile devices (“Application”), as well as the site (“Site”), hereinafter referred to as “TILIX“, with the objective of providing Users and Visitors with a transparent view of the practices related to the collection, storage and use of data by TILIX.

By registering on TILIX or by continuing to use TILIX– in the case of updates to the Privacy Policy – you are effectively indicating your agreement to our Privacy Policy and Terms of Use. We therefore recommend that you read this document carefully, as well as any updates you may have, before making a decision to use or continue using TILIX.

To facilitate your reading, we use certain words / terms with the first letter capitalized. Whenever this occurs, you should understand that this word / term has a defined meaning for the purposes of this Privacy Policy / Terms of Use (such as “Application,” “Personal Data,” or “TILIX Account”). The terms defined have their meaning described in this Privacy Policy or the Terms of Use, but if you have any questions, we have also made a < > for your inquiry.

Your privacy is not for sale!

Let’s get right to it: TILIX does not sell and will never sell your data! Nor will we lend your personal information to anyone, for any reason, at any time. TILIX uses and discloses your personal information only as follows:

  • to analyze site usage and applications and improve service;

  • to give you any administrative notices, alerts and communications relevant to your use of the service;

  • for market research, project planning, problem solving, detecting and protecting against error, fraud or other criminal activity;

  • to contractors of third parties who render services to TILIX and are bound by privacy restrictions, at least as protective as this Policy (eg auditors and technical consultants);

  • to enforce TILIX Terms of Service; and

  • as set forth in this Policy.

Your information will not be passed on to third parties without your prior consent

There are a number of TILIX features that are dependent on you connecting with your Issuers.

If you choose to use these features, you will be required to disclose information about your relationship with that Issuer to that Issuer. You must evaluate the policies of the Issuer before making the decision to provide them with information and to connect it with TILIX.

TILIX is not responsible for the privacy practices of the Issuers.

If you click on a link to a third-party site, TILIX recommends that you review the site’s privacy policy. TILIX can display links in a format that allows us to track whether those links were clicked and whether any action was taken on a third-party website. TILIX uses this information to improve the quality of our Service.

Any information you share with your Issuers is your responsibility, including information that is already known to such Issuers as part of your existing relationship with them. Any additional information that is used to establish a connection with the Issuer will only be shared with your express consent and used by TILIX to optimize your relationship with that Issuer.

Which data does TILIX collect and store

Certain areas and features of the Site are available to you without registration or the need to provide TILIX with any information. However, other features of the site or service require registration, which may involve the provision to

of an email address, user name, user’s SSN, password and an element of security, the city where you live, a mobile number and your zip code (collectively, the “Registration Information”).

In order to benefit from all the features of the service, if you choose to establish a “connection” with a TILIX  Issuer (“Connect” or “Connection”), you may also be required to provide your account credentials to such Issuers (“Account Credentials”). When you connect to an Issuer within the Service, you elect to share certain information from your

user profile or other information (“Account Information”) with this Issuer, and any Account Information or documents you exchange with this Issuer accessible to that Issuer.

From time to time TILIX may request other personal information to provide you with other service benefits. In all these cases, you will be given the option to provide, or not, such information, and the information will be used only for the purposes indicated.

TILIX may generate or aggregate anonymous confidential information and use and disclose such data only in a manner that does not identify any person, to: improve the design, functionality and content of the Service; to enable Issuers to improve their use of the Service and to benefit their customers through the Service; provide reports and analyzes that may benefit users or Issuers; or to develop products and services that may be of interest to users and Issuers. Such information does not identify you individually.

Normally, no TILIX employee will access your personal information. In rare circumstances, if security, fraud, or other problems are identified or suspected and involve your account, a TILIX employee may need to access a portion of your registration information, account credentials, account information, or any other confidential information to eliminate such problems. Any such access is always logged and monitored and is only performed to the extent necessary to resolve the problem. All employees performing this type of activity have been selected in accordance with TILIX’s security policies and practices and are bound by confidentiality obligations. They are subject to discipline, including contract termination and criminal prosecution, if they do not fulfill these obligations. Under these conditions, may share personal information with the Issuer in question as necessary to correct the security, fraud or other problem.


TILIX may store data relating the readings and confirmations, which may be used by third parties, exclusively those who have a contract with TILIX to send bills to its customers in or out of court, to prove the readings via logs


Data update

As soon as there is any change of data or records, or any information stored in TILIX, you can update them at any time by logging in to the service and changing the information online through your account.


Technologies used by TILIX

When you visit the Site, TILIX may collect technical and navigational information such as the type of Internet browser, information on the device used for browsing, Internet protocol address, pages visited and average time spent on the TILIX website and applications and store it in log files.

This information may be used, for example, to alert you to software compatibility issues, or may be reviewed to improve the design and functionality of the site, applications, or the Service.

We may combine this information automatically collected with other information we collect about you. We do this to provide Service support for you, and to improve the quality and functionality of the services we provide you.

Technologies such as “cookies”, “beacons”, “tags” and “scripts” are used by TILIX and by our analysis or by our service providers (for example, a marketing agency). These technologies are used in trend analysis, site administration and applications, to track user movements on the site and collect demographic information about our user base as a whole.

We may receive reports based on the use of these technologies by these companies individually or combined.

We use “cookies” for authentication and personalization of the Service. Users can individually control the use of “cookies” in their browsers. If you block the use of “cookies”, you may still use our site, but your ability to use certain features or areas of our site may be limited.

TILIX can use outsourced service providers to help analyze certain online activities. For instance, these service providers can help TILIX measure the performance of TILIX’s online campaigns or analyze visitor activity on the site. TILIX may allow these service providers to use cookies and other technologies to perform these services for TILIX. TILIX DOES NOT share any personal information of TILIX users with these service providers, and these service providers do not collect such information on behalf of TILIX. TILIX’s outsourced service providers are required to comply fully with this Policy.

If you become a TILIX user by accepting an invitation from another TILIX user, TILIX can notify the person who sent the invitation that you joined TILIX, or that you have taken certain actions if those actions result in a benefit or a prize for the person who sent the invitation. For example, the person who invites you to participate in TILIX may be notified that you have connected to a minimum number of Issuers if this resulted in a premium for that person. If TILIX shares any information with the person who invited you to participate in TILIX, it will only be your username and the action (s) you have taken, which resulted in a prize; and will not include any other registration information, account credentials, or account information.

Our privacy policy must thoroughly disclose the manner in which your application accesses, uses, stores, or shares Google user data. Your use of Google user data must be limited to the practices explicitly disclosed in your published privacy policy.


Bank level security

TILIX uses security technologies and methods that meet or in many cases exceed those used by banks, brokerages and other financial institutions.

Critical data and documents are always encrypted and stored securely.

TILIX systems are built by a team with profound experience on system development and secure, highly reliable transaction processing systems – systems that have processed millions of offline, online, and mobile transactions.

TILIX is designed to increase the security and privacy of your data

E-mail, notes, files, accounts and important paper documents often contain confidential and personal information. Unfortunately, paper documents are often stolen or their information is compromised. According to Javelin Research, 90% of data theft and data compromise occur through offline channels and not through the internet.

TILIX constantly monitors all accounts, acts when necessary to protect our systems and data, and notifies you if it identifies security issues related to your account.

In TILIX, to protect and keep your data and documents secure:

Security encryption for data transmission (HTTPS) is used in conjunction with an RSA key for internal data communication;

Systems are operated in a distributed data center with monitoring and security protection 24 hours a day, 7 days a week;

Login credentials are always encrypted;

TILIX provides alerts and notifications to increase your security. You are notified of critical activity in your account, such as receiving documents.


How to protect your account

The main cause of online security failure is when personal access credentials are compromised (your email and password). The following guidelines are the best ways to secure your TILIX account:

Never share your username or password on TILIX with anyone;

Make sure your password is hard to guess. We recommend that you use a password that is complex, with numbers, capital letters, and / or punctuation characters;

Every time you suspect that your TILIX access credentials have been discovered by someone, you must immediately change your password;

You should never provide any account information or access credentials through an email. TILIX will never ask you to send us any personal information through an email;

When you access your TILIX account (or any other site where personal information is shared), make sure you have a secure internet connection. The internet address or URL for a secure site, which uses encryption to protect the transmitted data, will always start with “https:” instead of just “http:”;

Monitor your account carefully and review the notifications you receive from TILIX. These are your best means to identify any unusual activity;

Always disconnect from your account when you have finished using TILIX services (as an additional protection, TILIX will disconnect your session automatically after a period of inactivity);

Make sure you have anti-virus, anti-spyware, and personal firewall protection on any computer you use to access TILIX;

Do not install programs from people or companies that you do not know;

Keep in mind that most scams and information thefts are carried out through simple, non-technological methods such as theft of mail delivered to the Post Office, or someone scouring your junk. By creating a TILIX account, you store your documents and carefully control your account activity, significantly reducing your risk.


Disclosure of information when required by law

Notwithstanding anything in conflict with this Policy, TILIX reserves the right (and you authorize TILIX) to share and disclose your personal information when TILIX determines, in its sole discretion, that the disclosure of such information is necessary or appropriate:

•To enforce the rights of TILIX against you or in conjunction with a violation of this Policy or the TILIX Terms of Use;

  • To avoid prohibited or illegal activities; or

  • When required by any law, rule, regulation, court order, warrant, subpoena or other legal process.

In this case, if permitted by law, TILIX will make efforts to notify you and give you the opportunity to seek a way to protect yourself.

If TILIX is involved in a merger, acquisition or sale of all or a portion of your assets, you will be notified via email and / or a prominent notice on our site of any change in the ownership or uses of your personal information as well as any decisions they may have regarding your personal information.


Full control of your data!

Your data belongs to you. You can remove them whenever you want.

We will keep your information for as long as your account is active or as necessary to provide the service for you.

If you wish to cancel your account or request that we do not use your information to provide the service to you, you may terminate your account using the settings menus, and if you have any questions you can contact us via email 

We will retain and use your information as necessary to comply with our legal obligations, resolve disputes, and enforce our agreements.

When you request TILIX to delete your TILIX account, your data will be permanently deleted from our primary servers and access to your account will no longer be possible. TILIX will also immediately cancel any connection between you and Issuers in the Service.

But it’s important for you to know one thing: If you have shared bills and proof of payments with another TILIX user, they will be active in your account while that account is still active. In other words, your account, your bills and vouchers will be deleted immediately; but will still be on our servers if you have them forwarded.

Anonymous or aggregate data derived from your account information may remain on TILIX production servers indefinitely. Your data may also remain on a backup server or media. TILIX maintains these backups to ensure TILIX’s continued ability to provide the service to you in the event of malfunction or damage to TILIX’s primary production servers.

If your personal information changes, or you no longer wish to use the service, you may correct, update or delete such information by adjusting within your account. In case of doubts or problems you can contact us through the email We will do our best to respond to your request within 15 days.



TILIX periodically provides your account summaries and alerts for notable events that have to do with your TILIX account – for example, when a connection to an Issuer has been canceled, an Issuer that we believe may interest you in joining TILIX, a new document from an Issuer is received, information on payments, when an account is due, or if new product features become available to you.

These communications can be made via email, SMS or via the notification service on your mobile phone if you are using one of our applications, individually or concomitantly, according to your account settings.

You have the possibility to opt out of receiving some of these communications through the account settings area in TILIX or by email by clicking on the unsubscribe link in the email sent by TILIX.



Data security

TILIX uses a combination of firewall architectures, encryption techniques, authentication procedures, and so on, to maintain the security of your online session and to protect TILIX accounts and systems from unauthorized access.

When you register for the service, TILIX requires a password from you for your privacy and security (unless you choose to register using your Google or Outlook account).

TILIX servers are operated in a secure installation within the largest hosting company in the world. Access requires multiple levels of authentication and facilities are monitored 7 days a week, 24 hours a day.

TILIX databases are protected from employee access in general, physically and logically.

TILIX encrypts your service password so that it can not be retrieved, not even by TILIX.

All backup drives and tapes are also encrypted.

All personal information (including any documents stored on your behalf) is always encrypted with 256-bit encryption, or an equivalent or higher technology, and is only visible to you after entering your login credentials.

No employee can copy any sensitive content on any insecure machine (that is, nothing can be removed from the database and placed on an unsecured notebook, for instance).

TILIX tests your site daily for any points of failure that would allow a hacker attack.

However, it is important to understand that these precautions apply only to the TILIX Site and Systems. We have no control over how your information is stored, maintained or displayed by you, third parties or on third-party sites.

No method of transmission over the Internet, or method of electronic storage is 100% secure. Therefore, we cannot guarantee absolute safety.

From the moment you submit your login credentials, communications between your device and TILIX are encrypted using the industry standard 128-bit Secure Sockets Layer (“SSL3”) technology or equivalent or superior technology. SSL3 enables client-server applications to communicate in a way that prevents spying, tampering, and spoofing messages.

Any data transmitted between one of your Issuers and TILIX (for example when Connecting with the Issuer in TILIX or sending and receiving Issuer documents) has security guaranteed by SSL3 and is encrypted when transmitted between the Issuer and TILIX.


Protect your password and credentials

TILIX maintains strict rules to help prevent others from guessing your password. TILIX also recommends that you change your password periodically. Your password must be at least 6 characters long and contain a combination of letters, numbers, or special characters.

You are responsible for maintaining the security of your username and password on TILIX.

You are strictly prohibited from providing such credentials to any third party.

If you believe they have been stolen or discovered by others, you should contact TILIX immediately via email at

and change your password immediately through the Service.

TILIX is not liable if someone accesses your account through information obtained from you or through a breach by you of this Policy or the TILIX Terms of Use.

If you have a security concern, please contact TILIX at

The TILIX team will work closely with you to ensure a quick and personal response to your concerns.

Our website can offer accessible blogs to the public or community forums. You should be aware that any information you provide in these areas can be read, collected and used by others who access it. To request the removal of your personal information from our blog or community forum, contact us at In some cases, we may not be able to remove your personal information, in which cases we will let you know if we are unable to do so and why.


Possible updates

TILIX reserves the right to modify this policy at any time, so please review it frequently. If TILIX makes changes to this Policy, we will notify you here, by email, via a notice to the TILIX homepage, or by notifying your TILIX account before the change becomes effective. We encourage you to periodically review this page for the latest information on our privacy practices. The last review date appears at the top of the policy.


Still having doubts?

If you have questions, concerns or comments about this Policy or any other privacy or security concerns, please contact us at

Terms of Use

TILIX DIGITAL S.A., incorporated under CNPJ number 28.038.705 / 0001-17, headquartered at Rua Funchal, 539, Sala 24, Vila Olímpia, in the city of São Paulo, State of São Paulo, ZIP CODE 04.551- 060, the sole and exclusive owner of the trademarks and domains associated with the Site and the Application hereinafter referred to simply as “TILIX”, establishes the present conditions of use for the use of the Site and Application (“Term of Use”):



The terms contained in this Term of Use, whenever used with the first letter in capital letters, shall have the meaning set forth below, whether in the plural or in the singular:

Partners: Banks, insurance companies, insurance brokers among others.

Application: means the TILIX app adapted and developed for operation on a mobile phone, tablet or any other mobile device.

Accept: means the act of the User clicking on the “I have read and accept the Terms of Use and Privacy Policy” box on the Site or the Application. Such act implies the prior, express and informed consent of the User in relation to all provisions in such documents.

Content: means any and all information provided by or through the Site or the Application, such as texts, data, software, images, videos, audios, interactive resources, etc., including source codes used to display such content, such as those in HTML, CSS, PHP, among others.

TILIX Account: means the user’s access account to TILIX.

Account Data: means any User data collected by TILIX directly on the websites of financial institutions, which specifically and personally details information about your account (s), including, without limitation, monthly income among other data relevant to the financial planning of the User, including data entered by the User in his / her TILIX Account to identify his / her experience.

Personal Financial Data: means any data provided by the User that in some way identifies you, such as, but not limited to: name, SSN, address, telephone number, fax number or e-mail address.

Personal Data: means any data provided by the User that in some way identifies you, such as, but not limited to: name, SSN, address, telephone number, fax number or e-mail address.

Privacy Policy: means the privacy policy governing the provisions on the use of User data that can be found in the following <>.

Site: means the electronic address or any other that might replace it.

Software: means the proprietary software of TILIX through which the User’s Personal Financial Data will be obtained directly from the websites of the financial institutions (internet banking system), as well as all User data managed and handled, always in an automated manner.

User: means a physical person, legal adult, or legal entity, with full capacity to contract, who accesses the Site or the Application and performs its personal registration in order to enjoy the features offered by TILIX, thereby automatically adhering to this Term of Use and Privacy Policy.



By using the TILIX Services, you agree to:

  1. Provide us with correct information always and promptly update any information provided, including your user data or any other information from your TILIX account;

  2. Keep your access credentials confidential and secure and notify us immediately if they are compromised;

  3. Check, in all cases, the veracity of the bill data and the origin of the debt, before any payments are made; and

  4. Immediately update the compromised credentials for new credentials and take other measures that we or you may deem necessary to protect your account.

You are responsible for any incorrect information you provide when using the TILIX Services and any actions taken under the use of your TILIX account credentials regardless of whether such actions are taken by you or a third party. We are not responsible for any loss or damage arising from any unauthorized use of your account.



You confirm and guarantee that you meet the following requirements:

  1. if you are a private individual, who is at least 18 years old;

  2. if you are a legal entity, that it is legally constituted under your country’s Laws, and that you are the registered legal representative of that legal entity with powers to sign terms and contracts on behalf of the corporation; and

  3. that you declare yourself able to legally enter into legal contracts under existing Laws.




From the moment the User Accepts the Term of Use and the Privacy Policy, the provisions contained therein will be applicable and will fully regulate the relationship between TILIX and the User. In this way, it is advisable to print a copy of them for future reference. It shall be the duty of the User to be aware of possible updates to the Term of Use and the Privacy Policy, which may occur at any time.


For any matter related to the conditions of this Term of Use or Privacy Policy, as well as to the Site / Application / Content / Software, the User must contact TILIX through the following e-mail


This User Agreement grants you a personal, worldwide, revocable, non-exclusive, non-transferable license to use the Software without any royalties, provided that you may not use or permit the use of the Software for any other purpose not expressly provided for in this Term of Use. Hence, the User will not be allowed, without limitation, to copy, modify, distribute, sell or lend the services provided by TILIX and made possible by the Software.

In order to use TILIX, the User will register on the Site and / or the Application, in which the User will provide TILIX with his / herPersonal Data, username (“Login”) and password that will be used to access the TILIX Account of the user.

The User will be responsible for the veracity, validity and accuracy of the Personal Data or Account Data provided by him / her in his / her registration, including in relation to the indication of valid e-mail address of his / her ownership, TILIX shall have no obligation to police or inspect the Personal Data or Account Data provided by Users, but may, in its sole discretion, exclude information that appears to be untrue or offensive.

The password and Login created by the User to access his TILIX Account are confidential and are the sole responsibility of the User, who should contact TILIX, immediately, in the event of compromise of its confidentiality. TILIX does not recommend the use, by the User, of the same password for various Internet sites / purposes or the insertion of Personal Data or Account Data as part of the password.

The User is fully aware and agrees that by providing his / her Personal Data and his / her Account Data to TILIX, he / she authorizes TILIX to use the Software to seek Personal Financial Data from each financial institution informed by the User,

always in an automated manner. TILIX will then use the Software to organize such data in order to fulfill the purpose of TILIX, as well as to use such data in the form of the Privacy Policy.

The use of the Software is personal and non-transferable, solely for lawful purposes related to the purpose to which the Site and the Application are intended, under the terms of this Term of Use. In no event shall the User have access to the source code of the Software now licensed, as the source code of the Software is TILIX’s intellectual property.



In order to enable the full functionality of the Site and the Application, if it is in the User’s interest, he / she shall inform TILIX of his / her Account Data and expressly authorize it, as an agent, to access his / her Personal Financial Data made available in the system of internet banking from financial institutions.

All passwords and / or authorization codes requested by TILIX for access to the User’s internet banking system will be used only and solely in accordance with the Privacy Policy.

TILIX does not transfer or in any way interfere with the assets and bank accounts informed by the User, the passwords and / or authorization codes granted by the User are limited to allowing TILIX to seek Personal Financial Data from each financial institution informed by the User, solely for lawful purposes related to the purpose to which the Site and the Application are intended.

TILIX will not be responsible for the revision of the Account Data provided by the User, as well as for the Personal Financial Data obtained from the websites of financial institutions, whether about the accuracy of the data or the legality or threat of breach based on the supply of the data.

The User is aware and agrees that TILIX does not integrate and can not be considered as an extension of the financial institutions from which the Personal Financial Data is extracted by the Software, and TILIX is not responsible for the products and / or services offered by them, be it in a solidarity or subsidiary manner.

Access to Account Data and User Personal Financial Data depends on services provided by their respective financial institutions. Therefore, the User is aware and agrees that TILIX assumes no responsibility for the timeliness, accuracy, non-delivery or failure to obtain the Personal Financial Data through the websites of these institutions, as this data may be subject to technical problems or other connection difficulties that may result in failure to obtain data, data loss or any other service interruptions.



The User may not:

Use the Site or the Application to disclose information in any way that could imply in violation of applicable standards in Brazil, TILIX and / or third-party property rights or good practices, including, without limitation, infringement of intellectual property rights, and the production and dissemination of illegal, immoral, inappropriate or offensive content;

Copy, assign, sublicense, sell, lease or guarantee, reproduce, donate, alienate in any way, transfer in whole or in part, in any form, gratuitously or onerously, temporarily or permanently, the Software, as well as its modules, parts, manuals or any information relating thereto;

Use of software, techniques and / or devices intended to misuse the Site, the Application and / or the Software for practices harmful to TILIX or to third parties, such as exploits, spamming, flooding, spoofing, crashing, root kits, etc.;

Reproduce, adapt, modify and / or use, in whole or in part, for any purpose, the Software or any Content of the Site or the Application without the express authorization of TILIX;

Publish or transmit any file that contains viruses, worms, trojan horses or any other contaminating or destructive program, or otherwise interfere with the proper functioning of the Site, the Application or the Software;

Use the Software for a purpose other than that for which it was made available by TILIX;

Disclose, use or modify improperly the data of other Users; and,

Use the Software, or permit its use, for the benefit of others.



By subscribing to TILIX the User agrees to the Privacy Policy.

The Privacy Policy Acceptance will authorize TILIX to use User data in the manner described in the document.



The User does not acquire, through this Term of Use or the Privacy Policy, any intellectual property rights or other exclusive rights, including patents, designs, databases, trademarks, copyrights or rights regarding confidential information or business secrets, on or relating to the Software, the Application and / or the Site, which are the exclusive property of TILIX.

In the event that the User develops a new module or product that characterizes a copy, in whole or in part, either from the data dictionary or from the program, it will be considered as part of the Software, being therefore its property incorporated by TILIX and their use subject to these contractual clauses.

You may download or print a copy of the information, spreadsheets and graphics made available through the Site provided for personal and non-commercial use. Any use of this material and / or the Site Content, in whole or in part, other than for the User’s personal use, under the terms of this Term of Use, without prior written consent of TILIX, is expressly prohibited.

Or any Content made available on the Site and / or the Application, such as, but not limited to, texts, graphics, images, logos, icons, photographs, editorial content, notifications, software and any other material, belong exclusively to TILIX and are protected by Brazilian law with respect to intellectual property and copyright.

With respect to Account Data and Personal Financial Data, the User understands and agrees that TILIX will act before the websites of financial institutions, as the User’s representative. Acceptance of the Terms of Use and Privacy Policy implies an express authorization to TILIX to access and use the Account Data and the Personal Financial Data provided through these financial sites.

TILIX may, in its sole discretion, at any time, and without the need for prior communication to the User:

Terminate, modify or suspend, totally or partially, the User’s access to the Site and / or the Application, when said access or registration violates the conditions established in these Terms of Use and / or Privacy Policy;

To exclude, totally or partially, the information registered by the User that is not in accordance with the provisions of this Term of Use; and

Add, delete or modify the Content offered on TILIX.

TILIX may also, in its sole discretion, suspend, modify or terminate the activities of the Site and / or the Application, by prior notice to the User, except in the event of a fortuitous event or force majeure.

At any time, by prior notice to the User at the e-mail address indicated by the user in his / her personal register or by means of notice on the Site and / or the Application, TILIX may also:

Define prices for the offer of certain contents and / or services, even if they were initially offered free of charge, and the use thereof, after said notice, is considered as User’s agreement with such prices; and,

Send to the User e-mail messages or other informative, commercial and / or promotional correspondence, unless expressly requested otherwise by the User, under the terms of the Privacy Policy.



You and a TILIX Issuer (“Issuer”) can “Connect” through TILIX Services. When you agree to connect to an Issuer, you are agreeing:

    1. that the Issuer may deliver all documents, notices and other information and materials from your account (“Documents”) to you, electronically, through the TILIX Services;

  1. that the information submitted may include private, sensitive or confidential information;

  2. that your TILIX credential (your registration email at TILIX or SSN) can be used as connection information to this Issuer; 

  3. that such electronic delivery meets all requirements, whether contractual or legal, as to the mode of delivery or notification that the Issuer may use, including requirements relating to privacy or security, or any other communication now required in writing;

  4. that the Issuer is free from any obligation or requirement to send documents or notices to you in any other manner (including, without limitation, in paper form, by post or other form, or otherwise);

  5. that in order to access documents through TILIX Services, you will need an Internet connection and must be connected to your TILIX account by providing your access credentials. You may print a paper copy or download an electronic copy of any document stored in your TILIX account using the print function or download function within your browser or your TILIX account.

    Your business negotiations, communications and relations with the Issuers, and any terms, conditions, warranties, representations, terms of use and privacy practices and data set forth by the Issuers are not our responsibility, but solely, yours to and with the Issuer.

    When you use TILIX Services, you may also be using the services of one or more third parties, such as a mobile carrier or ISP. The use of such third-party services may be subject to the policies, terms of use and fees of these third parties.



You may receive an unlimited number of documents from Issuers with whom you have connected through TILIX Services, for free. You may, using the TILIX Services interface, add other personal documents, respecting a cumulative monthly limit of 5 MB (5 megabytes) for your TILIX account, also free of charge.

Information submitted

You agree that any materials, including but not limited to questions, comments, suggestions, ideas, plans, notes, drawings, original or creative materials or other information about us or the TILIX Services you provide to us, forms of opinion, suggestion, criticism or other presentation format, belong exclusively to us, without recognition or compensation for you.


TILIX will not respond, under any circumstances, even if in solidarity or subsidiary:

  1. For the authenticity, validity and accuracy of the data provided by the Users and / or collected on the websites of financial institutions, as provided above, it is up to the User to verify for himself whether such information is true and complete before making any decision based thereon;

  2. For the services or products offered on the Site and / or Application by Advertisers or any third party, including as to their availability, quality, quantity, essential characteristics, offers, prices, forms of payment or any other elements related thereto;

  3. For the authenticity, validity and accuracy of the data provided by the Issuers or by the user when paying invoices and / or tickets of any kind via TILIX, and TILIX simply sends the file originating from the ticket without any addition or subtraction of data, and has no responsibility for the accuracy of the data and any changes to dates and values ​​or failures to read the files by the applications or APIs of financial institutions or payment tools.

  4. For any damages suffered by Users due to the decision making based on the information made available on the Site and in the Application;

  5. For any damages suffered by Users due to failures in the computer system or servers that are not guilty of TILIX or in its connectivity to the internet in general, or even as a result of third party services such as APIs, are discontinued and the User maintains, at his / her own expense, the telecommunication line, modem, communication software, e-mail address and other resources necessary to communicate with TILIX.

  6. For situations of unforeseeable circumstances or force majeure, under the terms of article 393 of the Brazilian Civil Code.

  7. For damages caused by programs that are harmful to the Software, such as, but not limited to, viruses, trojans and hackers;

TILIX does not guarantee that the functions contained in the Software meet User’s needs, that the operation of the Software will be uninterrupted or error free, that any functionality will remain available, that defects in the Software will be corrected or that the Software will be compatible or work with any third-party Software, applications or services.

TILIX will do its utmost to keep data safe and secure, and it will adopt security and protection measures compatible with the nature of the data collected, used and stored, however, TILIX does not guarantee in any way that such security measures are free of errors or that are not subject to interference from third parties (hackers among others). By its nature, despite TILIX’s best efforts, any security measure may fail and any User data provided to or collected by TILIX may become public. BY ACCEPTING THE TERM OF USE AND / OR USING TILIX YOU ACKNOWLEDGE AND EXPRESSLY ASSUME THIS RISK AND AGREE THAT TILIX WILL NOT BE RESPONSIBLE FOR SUCH DAMAGE.


including, without limitation, any decision maintained by any administrative information incurred by TILIX. It is the sole responsibility of the User to check any information provided by TILIX, with the banking institution of origin of the respective Personal Financial Data.



The User agrees to defend, indemnify and hold TILIX and its affiliates, directors, employees and agents harmless from and against any charges, actions or demands, including but not limited to reasonable attorneys’ fees, resulting from: (i) his / her eventual improper use of the Site, the Application, the Software and / or its Content; or (ii) breach of the conditions hereunder.

In no event shall TILIX be liable for personal injury or any incidental, consequential or consequential damages, loss of profits, including, without limitation, loss of profit, corruption or loss of data, failure to transmit or receive data, not business or any other commercial loss or loss arising out of or relating to your use or your inability to use the Software or TILIX, for any other reason.

In the event that TILIX is compelled by judicial decision to indemnify or reimburse the User for damages suffered, despite the provisions of the above Item, the value due to the User will be limited to the total amount effectively paid by the User to TILIX as features offered by the Site and the Application.



The Term of Use and the Privacy Policy shall remain in force for an indefinite period, from the User Acceptance, and may be modified or terminated unilaterally by TILIX at any time, without any liens, by means of simple communication through the Site / Application itself or the message to the e-mail indicated in the user’s personal register.

The User may at any time request the termination of his / her TILIX Account, terminating his / her relationship with TILIX, upon request made directly through the Site. In this case, the User data will be treated as provided in the Privacy Policy.


We may suspend access to your account at TILIX Services if we identify that:

  1. there is a risk to the security or privacy of your account;
  2. there is a threat to the security or integrity of the TILIX network or the TILIX Services;
  3. suspension is necessary to protect the rights, property or safety of TILIX, our users or the general public;
  4. there is a basis for the closure of your account; or
  5. you breached these Terms; or
  6. we are required by law.

We will notify you in the event of any suspension. During this suspension, you will not be allowed to use or access the TILIX Services; and other information contained or stored by you in or as part of, TILIX Services will no longer be accessible to you. Any suspension of your access to the TILIX Services will not limit or waive our rights to terminate your access to the TILIX Services. When we determine, in our sole discretion, that the reason for suspending access to your account has been resolved, we will restore access to your account.



You may end your TILIX account at any time through the TILIX Services settings menu.

We can terminate your access to TILIX Services:

  1. immediately if you breach these Terms;
  2. after notification, 30 days in advance, if your TILIX account has been inactive for at least one (1) year; or
  3. if required by law.

We will notify you in advance if we close your account. These Terms become invalid upon termination of your account. As of the effective date of termination of these Terms, you will no longer be able to use or access the TILIX Services; and other information contained or stored by you in or as part of, TILIX Services will no longer be accessible by you.

Upon termination, TILIX no longer has any obligation to store your data, but may do so to meet legal or business requirements for a reasonable time after termination.

The following sections will still be valid upon termination of these Terms: Content, User Prohibitions, Information Submitted, Disclaimer, Limitation of Liability, Termination of Account, Indemnification, Forum, General Provisions, and Copyright Notices, Trademarks and Patents.



TILIX may, at any time, change this Term of Use or the Privacy Policy in its sole discretion. Any changes to these Terms of Use and Privacy Policy will be informed through the Site and / or the Application. If the User continue to use the services provided by the Site and / or the Application, he / she will be deemed to agree to the changes.

The date of the last update made by TILIX to this Term of Use will always be indicated.

The User understands and agrees that as soon as the change of this Terms of Use / Privacy Policy on the Site or the Application is posted, his / her use of the Site and the Application will be subject to the updated Term of Use / Privacy Policy.



This Term of Use does not create any partnership, franchise or employment relationship between TILIX and the User, its partners and / or advertisers.

If any provision of this Term of Use or Privacy Policy is held to be unlawful, void or unenforceable for any reason, the remaining provisions shall not be affected and shall remain valid and enforceable to the fullest extent possible.

The Terms of Use and the Privacy Policy constitute the entire agreement on the conditions of use of the Site, the Application and the Software. The User declares to have knowledge of the rights and obligations arising from this Term of Use and the Privacy Policy, having read, understood and accepted all the terms and conditions.

Any failure by TILIX to enforce, excercise or impose any provision of this Terms of Use, Privacy Policy or related rights, does not constitute a waiver of such right or provision.



This Term of Use shall be construed exclusively under the laws of Brazil.

The parties elect the Forum of the District of São Paulo, State of São Paulo, as the only competent entity to resolve any litigation resulting from this Term of Use or Privacy Policy.