STRUCTURED FINANCERules for using the First Icon Securitizadora website, client portal and payment area.
Effective October 21, 2026
These Terms of Use govern access to and use of the website, the client portal and the boleto payment area of First Icon Securitizadora S.A. ("First Icon"), headquartered at Av. Brigadeiro Faria Lima, 1.819, cj. 1.118, São Paulo/SP.
By browsing or using any feature, you represent that you have read and agree to these terms and to the Privacy Policy. If you do not agree, do not use the website. The services contracted by each client are also governed by the respective agreement, which prevails in case of conflict.
First Icon is a securitization company subject to Law No. 14,430/2022, Law No. 6,385/1976 and the regulations of the Brazilian Securities and Exchange Commission (CVM), in particular CVM Resolution No. 60/2021. First Icon acquires credits and links them to securitization securities, and also provides custody, escrow, management and recovery services for receivables.
First Icon is not a bank and does not take deposits from the public. Transaction accounts, boletos and Pix charges are operated by a payment institution authorized by the Central Bank of Brazil, pursuant to Law No. 12,865/2013.
No content on this website constitutes an offer, recommendation, solicitation or investment advice regarding securities. Offerings of securitization securities are made exclusively through the documents of each issuance (securitization agreement, prospectus or fact sheet, when required), pursuant to CVM Resolution No. 160/2022, and may be restricted to qualified or professional investors, in accordance with CVM Resolution No. 30/2021.
Investments in receivables certificates are not covered by the Credit Guarantee Fund (FGC), are subject to credit, liquidity and market risks, and past performance is no guarantee of future results. Read the offering documents, especially the risk factors, before investing.
The English content does not constitute an offer of securities in the United States. First Icon securities are not registered under the U.S. Securities Act of 1933 and may only be offered in that country under an applicable exemption.
Product descriptions, examples and cases on the website are general and for informational purposes only. Rates, terms, amounts and conditions of each transaction depend on credit review, onboarding, identity verification and anti-money laundering checks, and are set only in the signed proposal and agreement. Submitting a form does not create an obligation to contract for either party.
You agree to use the website in good faith and in accordance with the law, and not to:
Any breach authorizes blocking of access, without prejudice to applicable legal measures.
The portal is for the exclusive use of registered clients. Credentials are personal and non-transferable, and the user is responsible for keeping them confidential and for all actions taken with their access. If you suspect unauthorized use, notify customer service immediately.
In the payment area, payers can look up and pay their boletos and settlements. Before paying, check that the beneficiary of the boleto or Pix charge is First Icon or the segregated estate stated in the notice of assignment.
When a credit is assigned to First Icon, the debtor is notified (Civil Code, art. 290) and begins paying through the channels indicated. Collection from consumers follows the Consumer Protection Code, arts. 42, 42-A and 43, and Law No. 14,181/2021. Settlements entered into on the portal are valid once confirmed and generate a receipt. Complaints about collections may be filed with the Ombudsman.
The First Icon brand, logo, text, images, layout, icons and software of the website and portal belong to First Icon or are licensed to it, and are protected by Law No. 9,279/1996 (Industrial Property), Law No. 9,610/1998 (Copyright) and Law No. 9,609/1998 (Software). Reproducing, modifying, distributing or commercially exploiting this content without written authorization is prohibited. Quoting excerpts with attribution to the source is permitted.
The website may contain links to or integrations with third parties, such as payment institutions, notary offices and government agencies. These services have their own terms and policies, and First Icon is not responsible for their content or practices.
We work to keep the website and portal available and secure, but interruptions may occur for maintenance, updates or events beyond our control, such as provider and network failures. First Icon is not liable for damages caused by the user's misuse of the website, false information provided by the user, temporary unavailability, or the user's equipment and connections.
Nothing in these terms excludes or limits rights guaranteed to consumers under the Consumer Protection Code.
First Icon complies with Law No. 9,613/1998, CVM Resolution No. 50/2021 and the Anti-Corruption Law (Law No. 12,846/2013). We may request additional documents and information, decline or terminate relationships, and report transactions to the competent authorities, including COAF, as provided by law. Suspected irregularities may be reported through the Ethics hotline, including anonymously.
The processing of personal data on the website, the portal and in transactions follows the Privacy Policy and Law No. 13,709/2018.
Questions and requests: Contact us and Help center. If customer service does not resolve the issue, file the case with the Ombudsman, which reviews it independently and replies to the email provided.
These terms may be updated at any time. The current version is the one published on this page, with the date at the top. Use of the website after an update constitutes acceptance of the new version. Changes affecting ongoing agreements require a signed amendment.
These terms are governed by the laws of the Federative Republic of Brazil. The courts of the Judicial District of São Paulo/SP are elected to resolve any dispute, without prejudice to the consumer's right to bring an action in the courts of their domicile (CDC, art. 101, I). In case of any discrepancy between this version and its translations, the Portuguese version prevails.