The commercial terms of the mentoring, in writing and before you engage.
This is a translation provided for convenience. The Portuguese version of these Terms, published at novidaro.com.br/termos, is the binding one. Where the two diverge in sense, the Portuguese prevails. These are the commercial terms of NOVIDARO individual mentoring. They apply to anyone who engages through this site, and they are the same terms as in the contract you sign before the first session.
The conduct and ethics of the practice are in Commitments. How your data is handled is in the Privacy Policy. This page covers the rest: what is sold, what it costs, how you pay, how you withdraw and how the money comes back.
1. Who is on the other side
NOVIDARO MENTORIA E CONSULTORIA LTDA, CNPJ 67.020.452/0001-06, registered in Barueri, São Paulo, Brazil. Contact for anything on this page: [email protected].
Mentoring is delivered by Murilo Pachioni. Every payment generates a Brazilian electronic service invoice, and billing documents carry NOVIDARO's name, address and CNPJ.
2. What is being sold
Individual executive mentoring: a structured professional development process covering career, development, positioning, leadership and outlook, delivered through the five-stage NOVIDARO Method.
Three modalities, one per career moment:
Moment I, high-potential talent. Cycle of 3 sessions of 60 minutes. R$ 750.00.
Moment II, moving into management. Cycle of 3 sessions of 60 minutes. R$ 750.00.
Moment III, expanding scope. Single diagnostic session of 60 to 90 minutes. R$ 300.00. Continuation, if any, is quoted separately under its own contract, with price and number of sessions agreed in writing before it starts.
Sessions are held by video, or in person if we agree on that. They depend on minimum conditions that bind both sides: a private place, no third party within earshot, no foreseeable interruption, audio on headphones and camera on.
What this engagement is, legally: a best-efforts obligation. I bring method, experience and professional diligence, and I answer for proper delivery of the service. Career decisions are yours. Promotion, pay rises and recognition depend on third-party decisions and are not promised here or in any NOVIDARO material.
What it is not: therapy, psychotherapy, medical, psychological, legal or financial advice, and it replaces none of them. If I see that another form of professional support would serve you better, I say so and refer you on, even if that interrupts the cycle.
The service is for adults in a professional context. NOVIDARO does not work with people under 18.
3. How you engage
You write through the contact page and tell me your moment. I reply, and it is in that exchange that both sides check whether it makes sense. I say no when it does not.
If it makes sense, I send the contract and the payment details. The contract, the Commitments and the Cancellation and Refund Policy are delivered in full before signature, with time for you to read them. The first session is scheduled once payment is confirmed.
The package price is fixed and is not adjusted during its validity. There is no automatic renewal: a new cycle requires a new contract, at the price current on that date.
4. Payment methods
Pix or credit card, both received in a NOVIDARO account at Itaú Unibanco S.A. Payment in full when the first session is booked.
Instalments: available on credit card only, with no surcharge from NOVIDARO. NOVIDARO extends no credit to you. If instalments ever carry a surcharge, the contract states beforehand the price in Brazilian reais, the interest amount, the effective annual rate, the number and frequency of instalments, the total payable and the total effective cost, and you may settle early with a proportional reduction of interest.
5. Right of withdrawal: 7 days
You may withdraw from the contract within 7 calendar days of signature or of receiving the service, whichever is later, with no justification required.
On withdrawal, everything you paid comes back immediately and monetarily adjusted, with no deduction, retention or penalty, even if a session has already been held in that period. That is article 49 of the Brazilian Consumer Protection Code, and this contract guarantees the period in any form of engagement, in person or electronic.
How to exercise it: write to [email protected], or use the same tool through which you engaged. I confirm receipt within 1 business day.
6. First-session guarantee
Beyond the right of withdrawal, which is a separate thing and remains fully available, NOVIDARO grants its own unconditional guarantee, valid across all three modalities.
If, after the first session has taken place, you conclude that mentoring is not the right path for your moment, I return 100% of the amount paid, with no justification, no retention and no deduction for the session held.
When to claim: within 7 calendar days of payment confirmation or within 48 hours of the end of the first session, whichever is later.
Final term: the guarantee expires, in any event, 60 calendar days after payment confirmation. If the first session has not taken place within that period for a reason that is not yours, the period is suspended until it does.
Conditions, stated with the same prominence as the guarantee: it applies once per person; it does not apply to cycle renewals or to a subsequent contract; and it does not affect, restrict or replace the right of withdrawal in §5 or the statutory warranty in §16.
How to claim: write to [email protected]. I confirm receipt within 1 business day.
7. Rescheduling and no-shows
You may reschedule at no cost, up to 2 sessions per cycle, by asking in writing at least 24 hours in advance.
Cancelling with less than 24 hours' notice, or not showing up within 20 minutes of the scheduled time, means the session counts as held and is deducted from the package.
That deduction does not apply in four cases, and the list is exhaustive:
A health problem of yours or of a family member, evidenced by a medical certificate or declaration.
The death of a family member.
Evidenced force majeure, including a prolonged power or connection outage.
The absence of the minimum session conditions, recognised by either side at the start of the session.
In all four the session is rescheduled at no cost and without consuming the package.
8. If I cancel or run late
If I cancel: rescheduling on an agreed date or a full refund of the balance, at your choice.
If I am more than 10 minutes late: you choose between extending the session by the length of the delay or rescheduling it in full, without consuming the package. If I miss a session without notice, it is rescheduled without consuming the package, on the date you choose.
This reciprocity is not a commercial courtesy. It is what article 51, XI of the Consumer Protection Code requires of a contract that allows cancellation.
9. Package validity
6 months, counted from the first session.
Deadline for holding the first session: 60 calendar days from payment confirmation. If it does not take place within that period for a reason attributable to you, validity starts counting from the end of that period.
Validity is extended: on your written request, once per cycle, by 3 months; and automatically, by an equivalent period, whenever either side is justifiably unavailable.
If validity lapses without extension and sessions remain unused, the balance is not lost. You choose between a further extension and a full refund of the balance, with no retention. Under no circumstances is paid value lost without something in return.
10. Ending it yourself, outside the periods in §5 and §6
You may end the engagement at any time, without justification.
Once the withdrawal and guarantee periods have passed, sessions already held are payable at the value attributed to each, and the entire remaining balance is returned, with no retention of any kind.
Value attributed to each session, in Moments I and II:
First session: R$ 150.00.
Second session: R$ 300.00.
Third session: R$ 300.00.
The scale is deliberately uneven: the first session costs less than the average, to lower the cost for someone still trying the service. In practice, cancelling after the first session returns R$ 600.00; after the second, R$ 300.00; after the third there is no balance.
In Moment III the session is single and the value attributed to it is the full R$ 300.00.
This contract provides for no retention percentage, no administrative fee and no booking fee on the unused balance.
You owe nothing, and the refund is full, in four cases: ending within the 7-day withdrawal period; ending within the first-session guarantee; ending at my initiative; and ending because I failed to perform.
11. How the money comes back
Refunds follow the method you paid with.
Paid by Pix: within 5 business days of the request, by transfer to an account in your own name. This deadline is firm, because it depends only on me. Pix has no chargeback: the refund is a fresh transfer made by NOVIDARO.
Paid by credit card: I notify the card issuer within 1 business day of the request, so the charge is not posted or is reversed, as article 5 of Decree 7,962/2013 requires. The credit on your statement follows the issuer's billing cycle, which I do not control and about which I make no commitment. Promising a card-credit date would be promising something I cannot deliver.
Your bank details, when needed for a Pix refund, are collected only for that transfer and deleted within 30 days of it, keeping only the receipt for tax retention periods.
12. The channel between sessions, and what it is not
Between sessions there is a messaging channel, named in the contract, end-to-end encrypted and with no use of the platform's AI features in conversations with you.
It is for logistics and for following up on what was already agreed in session: recording a commitment met, reporting a situation prepared in session, a specific question about something already settled. New topics, new decisions and anything needing context go to the next session.
The channel is ancillary and free, is not part of the contracted service and has no guaranteed response time. I reply on business days, within a variable period depending on the hour, my schedule and the complexity. While I am with any mentee I do not answer messages. A slow reply on that channel is not a breach of contract: my obligations with fixed deadlines are those covering sessions and the complaints deadline in §16.
At the end of the cycle I delete the conversation on my side. The copy on your device is yours and is outside my control.
13. If I become unavailable
NOVIDARO maintains a service continuity plan, delivered to you with the contract.
Short breaks and unforeseen events: you are notified within 48 hours, sessions are rescheduled and your package validity is automatically extended by the length of the break, at no cost.
Unavailability beyond 30 days: you choose between keeping the extended package and receiving a proportional refund of the balance, with no penalty.
Permanent unavailability: a designated person of trust notifies you, the unused balance is refunded in full and, if you want, I point you to another qualified mentor. No record of yours is passed to anyone without your written authorisation.
Planned closure of the practice: at least 30 days' notice, with priority given to finishing cycles under way and a proportional refund for what cannot be finished.
14. Ending, and what survives it
I may end the engagement, with a full refund of the balance and no retention, in three cases: when I identify that another form of professional support would serve you better; when a conflict of interest arises that cannot be managed; and when your conduct is incompatible with a professional relationship, including harassment, threat, discrimination or breach of the boundaries set in the contract, or non-payment not regularised after notice.
At the end of the cycle I offer a closing session, at no additional cost if there is a balance, to compare the starting point with where you arrived, including what did not move. I apply an evaluation form and we agree the follow-up actions.
Once the contract ends, four duties of mine continue indefinitely: confidentiality over everything you brought; safekeeping and secure deletion of your records; the prohibition on my drawing any benefit, financial or otherwise, from the relationship that existed; and carrying out the follow-up actions we agreed.
15. Authorship of materials
The NOVIDARO Method, the templates, tracks, forms and other original artefacts are the intellectual property of NOVIDARO, a trademark filed with Brazil's INPI under applications 943685923 and 943685478. You receive a personal, non-transferable, non-commercial licence to use them.
Third-party material occasionally used in the process is not NOVIDARO property: it is identified with its author's name in the material itself and follows the owner's terms of use.
What you produce is yours. Your completed career track, your notes and whatever you write during the process belong to you, to use freely, including inside your organisation.
16. Quality, complaints and the statutory warranty
I answer for proper delivery of the service, within the limits of the best-efforts obligation described in §2.
Where a defect makes the service unfit or reduces its value, you choose freely between:
Re-performance of the service, at no cost.
Immediate restitution of the amount paid, monetarily adjusted, without prejudice to damages.
A proportional reduction of the price.
That is article 20 of the Consumer Protection Code, and nothing in these terms waives or weakens the statutory warranty.
Deadline to complain about an apparent or easily detectable defect: 30 days from the end of delivery. A complaint made to me suspends the lapse of that right until my unequivocal negative answer.
Complaints about deadlines, billing or service quality. Write to [email protected]. Receipt confirmed within 1 business day and a conclusive answer within 5 business days. This channel is separate from and independent of the ethical conduct channel, which is in Commitments.
17. The clauses that limit your rights
Article 54, §4 of the Consumer Protection Code requires clauses limiting consumer rights to be drafted with prominence. There are six, and they are gathered here on purpose, so you do not have to hunt for them:
No-shows and last-minute cancellations. Cancelling with less than 24 hours' notice, or not showing up within 20 minutes, means the session counts as held and is deducted from the package. §7 above, with its four exhaustive exceptions.
Non-payment. More than 10 days late allows sessions to be suspended until settled, with 5 days' written notice, and IPCA adjustment, 1% monthly interest and a 2% penalty apply. The suspension does not consume package validity. Collection is carried out without exposing you to embarrassment, and any listing with a credit bureau is preceded by written notice.
Sessions already held are payable. Ending outside the periods in §5 and §6, sessions held are charged at the values in §10 above.
The package has a validity period. 6 months from the first session, extendable. §9 above.
The first-session guarantee has a final term. 60 calendar days from payment, suspended while the first session has not taken place for a reason that is not yours. §6 above.
The channel between sessions has no response deadline. §12 above.
18. Which document prevails
Your engagement includes, besides this page: the contract you sign, the Commitments and the Cancellation and Refund Policy, in the version current at the date of signature, all delivered to you in full, plus whatever this site, the proposal and the messages preceding the engagement said.
Where any of those documents diverges from the contract, the provision more favourable to you prevails. That is not generosity: it is article 47 of the Consumer Protection Code and it is what the contract itself provides.
A contract is amended only by a written amendment signed by both sides. A change on this page does not alter a contract already signed.
19. Governing law and jurisdiction
Brazilian law applies, in particular Law 8,078/1990, the Consumer Protection Code, and Decree 7,962/2013, which governs electronic commerce.
The courts of your domicile are elected, seeking an amicable solution first where possible, which neither conditions nor limits your immediate access to administrative and judicial remedies.
The invalidity of any provision does not affect the others.
20. Where the other rules live
Commitments: ethics and conduct of the practice, confidentiality and its limits, what a sponsoring company receives, supervision, and what this practice does not promise.
Privacy Policy: how your data is handled, recording and AI use, international transfer, retention periods and your rights under Brazilian data protection law.
This page is reviewed at least once a year, and whenever the contract changes. Previous versions are available on request.