Terms of Use

Company identification

This website (takerate.ai) and the services described here are owned by:

By accessing and using this site, the user declares that they have read, understood and agreed to all terms set out herein.

Acceptance of terms

Access to and use of this site imply full acceptance of these Terms of Use and of our Privacy Policy. If you disagree with any provision, please do not use the site or Take Rate services.

These Terms apply to all visitors, users and companies that access or use any site feature, including submitting the contact form.

Description of services

Take Rate provides B2B consulting in:

• Credit Strategy & Journey: design and implementation of credit decision pipelines for individuals and companies, BaaS operations and Corban channels.
• Risk Engineering & Modeling: building and calibrating scoring, LGD and default-probability models with Machine Learning.
• Agentic Operations (AI): automation of KYC, digital credit desk and preventive collections with AI agents.
• Cross-Channel Orchestration: orchestration of credit journeys across app, SMS, WhatsApp, email and in-person channels.

All services are provided exclusively to legal entities (companies). Take Rate does not provide services directly to end consumers (individuals).

Nature of consulting — important notice

Indicators and results presented on this site (Gini, LGD, Approval Rate, TTD, among others) refer to real projects conducted by Take Rate. Past results do not guarantee identical results in future projects. Each credit operation has its own characteristics, data, regulatory context and market variables.

Information on this site is for informational purposes only and does not constitute financial, legal or regulatory advice.

Use of the site

By using this site, the user agrees to:

• Not use the site for illegal or unauthorized purposes;
• Not attempt to access restricted areas, systems or data without authorization;
• Not transmit viruses, malware or malicious code;
• Not copy, reproduce or distribute site content without prior written authorization from Take Rate;
• Provide true and up-to-date information when submitting the contact form;
• Not use the contact form to send spam or unsolicited communications.

Intellectual property

All content on this site — including text, logo, visual identity, diagrams, described methodologies and source code — is the exclusive property of Ricardo Wodianer de Mello LTDA or licensed for the company's use, protected by Brazilian copyright and industrial-property laws.

Third-party brands mentioned (FICO, Experian, Neurotech, etc.) belong to their respective owners and are cited only for technical and methodological reference.

Limitation of liability

The site is provided "as is", without warranties of uninterrupted availability or fitness for a particular purpose. Take Rate is not liable for business decisions based on site information, consequential damages from use or inability to use the site, third-party linked content, or outages caused by factors beyond our control.

Where applicable, Take Rate's contractual liability is limited to the value of services actually delivered to the client for the project in question.

External links

This site may contain links to third-party sites. Take Rate does not control their content and assumes no responsibility for their privacy policies, terms or content. A link does not imply endorsement or commercial partnership.

Changes to the terms

Take Rate may update these Terms at any time. The updated version will be published on this page with a new effective date. Continued use of the site after material changes implies acceptance of the new terms.

Governing law and venue

These Terms of Use are governed by the laws of the Federative Republic of Brazil. Disputes arising from use of this site or Take Rate services shall be submitted to the courts of São Paulo/SP, to the exclusion of any other venue.

Contact

For questions about these Terms or our services: