Material de Nivelamento Marketing Digital Digital House Brasil 1 2020 05 27 19751 - Bra
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Bhrl`tfni Mfifthj Bht`rfhj m` Nfv`jhb`nto
Hv. Mr. Ahrmoso m` B`jo, 67 - Tfjh Ojâbpfh Qáo Whujo, QW
er.mfifthjcous`.aob er.mfifthjcous`.aob
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Q`kh e`b-vfnmo ç Mfifthj Cous`! Hnt`s m` tumo, iosthrâhbos m` hirhm`a`r p`jh aondfhnéh m`posfthmh `b nñs, nosso bætomo m` `nsfno ` `b tomh nossh `qufp`. Quh kornhmh m` trhnsdorbhéáo `b ub(h) prodfssfonhj mfifthj kè aob`éou ` nñs `sthbos hquf phrh hkumè-jo(h) ho jonio m` tomo `ss` proa`sso fnarâv`j m` dorbhéáo ` trhnsdorbhéáo. Whrh fsso, s`bpr` qu` pr`afshr m` hjiubh hkumh, náo c`sft` `b dhjhr aob h i`nt`!
Whrh dhjhr aob h i`nt` Ht`nmfb`nto ho Hjuno ● ● ●
]`j`don`; (88) =303-=304 YchtsHpp; (88) 60057-=983 hjunosGmfifthjcous`.aob @-bhfj; hjunosGmfifthjcous`.aob
Aoorm`nhéáo Hahmëbfah ● ● ●
Cuio Uosso (Aoorm`nhmor mo Aurso); cuioGmfifthjcous`.aob cuioGmfifthjcous`.aob Hnh Borhfs (Aoorm`nhmorh W`mhiñifah); sborhfsGmfifthjcous`.aob sborhfsGmfifthjcous`.aob Fior Jh Juz (I`r`nt` Hahmëbfao); fiorjhjuzGmfifthjcous`.aob fiorjhjuzGmfifthjcous`.aob
O qu` æ o Nfv`jhb`nto? O Nfv`jhb`nto æ h dhs` fnfafhj m` suh kornhmh aonosao. Htrhvæs mo `stumo m`st` bht`rfhj, voaë t`rè h ehs` n`a`ssèrfh phrh haobphnchr ` hprov`fthr ho bèxfbo suhs hujhs quhnmo aob`éhr`b. Æ o bht`rfhj qu` voaë m`v` `stumhr eèsfaos phrh `ntrhr aurso m`h Bhrl`tfni Mfifthj. Aob``j` voaë vhf hmqufrfr os aonc`afb`ntos phrhnoaob`éhr haobphnchr hs hujhs hbpjfhr o s`u mobânfo soer` os t`bhs `b qu`stáo. qu `stáo. Os trës phssos sáo; 8. @stumo mo bht`rfhj m` Dunmhb`ntos mo Iooij` Hms 5. @stumo mo bht`rfhj t`ñrfao ` r`hjfzhéáo mo M`shdfo Mfifthj Cous` 1. @ntr`vfsth m` hmbfssáo
@stfbhbos qu` hs htfvfmhm`s aonsubfráo m` 80 ` 50 corhs.
Hv. Mr. Ahrmoso m` B`jo, 67 - Tfjh Ojâbpfh Qáo Whujo, QW
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Qoer` h @ntr`vfsth m` Hmbfssáo H `ntr`vfsth m` hmbfssáo s`rè r`hjfzhmh aob o Aoorm`nhmor ou Wrod`ssor`s mo aurso m` Bhrl`tfni Mfifthj ` t`b os s`iufnt`s oek`tfvos; 8. Aonc`a`r o hjuno, suh cfstñrfh, oek`tfvos ` `xp`athtfvhs soer` o aurso 5. Hpr`s`nthr h bhtrfz m` hujhs, r`irhs phrh hprovhéáo no aurso ` Wrok`to
Fnt`irhmor h trhvæs m`st` bht`rfhj 1. Hvhjfhr suh aobpr``nsáo soer` os t`bhs `stumhmos htrhvæs (s`ráo d`fths p`riunths soer` o bht`rfhj `stumhmo) Ho dfnhj mh `ntr`vfsth, o `ntr`vfsthmor pom`rè r`provhr o hjuno ahso, n`st` bob`nto, náo o aonsfm`r` hpto phrh aurshr. N`st` ahso, o hjuno pom`rè utfjfzhr mo ao-j`hrnfni phrh `stumhr ` tfrhr suhs mûvfmhs ` hi`nmhr ubh novh `ntr`vfsth hnt`s mo fnâafo mo aurso. Ahso t`nch mûvfmhs, aont` aob h nossh hkumh murhnt` mu rhnt` tomo o proa`sso. Toaë pom` s` aobunfahr aonosao `nvfhnmo ub `-bhfj phrh hjunosGmfifthjcous`.aob. hjunosGmfifthjcous`.aob.
Whsso F; Dunmhb`ntos mo Iooij` Hms Whrh dhz`r h j`fturh mo aont`ûmo ` mhs orf`nthéð`s, voaë pr`afsh arfhr ou t`r ubh aonth no Iooij`.
Arfhnmo suh aonth Iooij` Toaë pr`afsh t`r ubh aonth no Ibhfj. Ahso náo t`nch, `ntr` n`st` jfnl phrh arfhr h suh. Whrh arfhr ubh novh aonth, ha`ss`; cttps;//haaounts.iooij`.aob/QfinPp?cj2pt cttps;//haaounts.iooij`.aob/QfinPp?cj2pt..
Ha`sshnmo o Qlfjjscop 8. U`ifstr U`ifstr`-s` `-s` n no o Qlfj Qlfjjscop jscop,, pjht pjhthdorbh hdorbh m` tr` tr`fnhb` fnhb`nto nto ` a`rtfdf a`rtfdfahéáo ahéáo mh Io Iooij`. oij`. Toaë pom` ushr o s`iufnt` jfnl; cttps;//slfjjscop.`xa``mjbs.aob/stum`nt/ahthjoi FBWOU]HN]@; s`j`afon` no romhpæ o fmfobh qu` hachr bhfs hm`quhmo.
Iufh m` @stumos mos Dunmhb`ntos mo Iooij` Hms Hms Whrh s` pr`phrhr phrh h Hvhjfhéáo m` Dunmhb`ntos mo Iooij` Hms, voaë m`v`rè `stumhr os s`iufnt`s tñpfaos; Hv. Mr. Ahrmoso m` B`jo, 67 - Tfjh Ojâbpfh Qáo Whujo, QW
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on-jfn` 8. O qu` voaë pr`afsh she`r soer` bhrl`tfni on-jfn` 5. O qu` sáo hnûnafos mh U`m` m` W`squfsh W`squfsh 1. @xfefr hnûnafos nh pèifnh m` r`sujthmos mh W`squfsh Iooij` Iooij` `dfaf`nt`s =. Hnûnafos m` t`xto `dfaf`nt`s 0. Aobo haobphnchr ` b`jcorhr os r`sujthmos r`sujthmos 4. M`ntro mo Qlfjjscop, proaur` p`jo tñpfao Iooij` Hms `, nh s`quënafh, U`m` m` W`squfsh mo Iooij` Hms 9.
@ntr` no ft`b Aonc`éh os prfnaâpfos eèsfaos mh r`m` m` p`squfsh mo Iooij` Hms Hms
M`ntro mo ft`b ‚Aonc`éh os prfnaâpfos eèsfaos mh r`m` m` p`squfsh mo Iooij` Hms‒, dhéh hs huto-hvhjfhéð`s ` `stum` tomos os tñpfaos aontfmos no ejoao ‚Hpr`nmh soer` puejfafmhm` nh r`m` m` p`squfsh mo Iooij` Hms‒.
Whsso FF; M`shdfo Mfifthj Cous` O aont`ûmo t`ñrfao ` o m`shdfo on-jfn` `stáo mfsponâv`fs no `nm`r`éo hehfxo; cttps;//moas.iooij`.aob/dorbs/m/8ajq[t4qUBa@89CTCVwtX6p9TAtDrHfvB]CLY8be M1Al/`mft?ts20h6977aa M1Al/`mft?ts20h6977aa O b`sbo aont`ûmo t`ñrfao pom` s`r `naontrhmo no WMD `nvfhmo aob o `-bhfj. Ht`nt`-s`;
J`v` `b aonth qu` `stumhr o aont`ûmo t`ñrfao æ dunmhb`nthj phrh dhz`r o M`shdfo.
Whsso FFF; @ntr`vfsth m` hmbfssáo N`sth `thph voaë m`v` r`sponm`r h hjiubhs p`riunths phrh aondfrbhr os aont`ûmos mos phssos F ` FF, ` thbeæb phrh qu` posshbos aonc`a`r hs suhs `xp`athtfvhs quhnto ho aurso. ●
Æ ubh aonv`rsh aob ub prod`ssor `/ou aoorm`nhmor mo aurso.
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Murh hproxfbhmhb`nt` 17 bfnutos.
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Æ pr`s`nafhj, on-jfn` ou por t`j`don`.
Hv. Mr. Ahrmoso m` B`jo, 67 - Tfjh Ojâbpfh Qáo Whujo, QW
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hjunosGmfifthjcous`.aob phrh phrh Ho aonajufr os phssos F ` FF, aobunfqu`-s` aob hjunosGmfifthjcous`.aob hi`nmhr h `ntr`vfsth m` hmbfssáo.
Aont`ûmo M`shdfo Mfifthj Cous` 8. Dunfj m` Aonv`rsáo 8.8. O qu` æ ub Dunfj m` Aonv`rsáo Æ ub t`rbo utfjfzhmo phrh m`dfnfr o proa`sso p`jo quhj ub usuèrfo s` vfnaujh aob ubh bhrah ou promuto. Whrh oet`r os b`jcor`s r`sujthmos no dunfj m` aonv`rsáo æ fbporthnt` she`r `b qu` `thph o usuèrfo `stè< h `thph vhf vhrfhnmo ho jonio mo nâv`j m` vfnaujhéáo aob h bhrah.
@thph m` `xpjorhéáo ou aonc`afb`nto Æ h `thph fnfafhj, `b qu` o usuèrfo t`b hjiub fnt`r`ss` por ub t`bh, bhs hfnmh náo t`b aonsafënafh mo s`u proej`bh ou n`a`ssfmhm`.
@thph m` aonsfm`rhéáo H p`ssoh kè she` qu` t`b ub proej`bh ou n`a`ssfmhm` aonar`tos ` eusah fndorbhéð`s phrh r`sojvë-jos.
@thph m` aobprh Æ h `thph `b qu` o usuèrfo r`unfu fndorbhéð`s, ` kè `stè pr`phrhmo phrh `saojc`r qu` promuto ou s`rvféo mh od`rth mfsponâv`j æ o bhfs hm`quhmo phrh r`sojv`r s`u proej`bh ou shtfsdhz`r suh n`a`ssfmhm`.
@thph m` dfm`jfzhéáo Æ h `thph `b qu` o usuèrfo kè æ ajf`nt` dr`qu`nt`.
Hv. Mr. Ahrmoso m` B`jo, 67 - Tfjh Ojâbpfh Qáo Whujo, QW
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Dunfj m` aonv`rsáo;
8.5. O qu` s` pom` od`r`a`r ho ajf`nt` `b ahmh `thph @thph m` `xpjorhéáo ou aonc`afb`nto ●
Hrtfios puejfahmos `b ub ejoi aorporhtfvo ou `b sft`s mo s`tor ‑ @st`s t`xtos
m`v`b s`r orfifnhfs, m` quhjfmhm` ` vojthmos phrh hs n`a`ssfmhm`s mo usuèrfo. ●
Y`efnhrs ‑ Bufto ût`fs, porqu` tëb ub oek`tfvo `muahtfvo ` m` mfvujihéáo. Æ ub
dorbhto fm`hj phrh mhr r`sposths çs qu`stð`s fnfafhfs m` ub usuèrfo, quhnmo `j` hfnmh náo t`b pj`nh aonsafënafh mh suh n`a`ssfmhm`.
@thph m` aonsfm`rhéáo ●
@-eools, iufhs ` wcft` php`rs ‑ ]ëb ub nâv`j bhfs hjto m` quhjfmhm`, thnto no
aont`ûmo aobo no m`sfin, ` sáo fm`hfs phrh hprodunmhr t`bhs m` fnt`r`ss` mo usuèrfo. Bhs phrh ehfxè-jos o usuèrfo pr`afsh pr``nac`r ub dorbujèrfo aob os s`us mhmos.
Hv. Mr. Ahrmoso m` B`jo, 67 - Tfjh Ojâbpfh Qáo Whujo, QW
er.mfifthjcous`.aob er.mfifthjcous`.aob
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Fndoirhdfhs ‑ Qáo hpr`s`nthéð`s `st`tfahb`nt` bufto htrhtfvhs qu` `xfe`b
fndorbhéð`s r`j`vhnt`s phrh o usuèrfo m` dorbh `squ`bètfah ` aob bht`rfhj humfovfsuhj, achbhtfvo ` aob pouao t`xto. ●
Ahsos m` sua`sso ‑ Qáo m`pofb`ntos m` outros usuèrfos aob o oek`tfvo m` hpr`s`nthr `xp`rfënafhs posftfvhs aob o promuto ou h bhrah.
@thph m` aobprh ●
Aupons m` m`saonto, phrh hkumhr o ajf`nt` h tobhr h m`afsáo, ` hahehr
aobprhnmo. ●
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M`bonstrhéð`s ou v`rsáo trfhj (t`bpo jfbfthmo), no ahso m` ub sodtwhr`, ou aonvft`s phrh ubh m`bonstrhéáo irhtufth mo promuto. @strhtæifhs m` `-bhfj bhrl`tfni ‑ Qáo `-bhfjs aob fndorbhéð`s htuhjfzhmhs mh
`bpr`sh, bhrah, promutos ou s`rvféos.
@thph m` dfm`jfzhéáo ●
Wroirhbh m` bfjchi`b/pontos bfjchi`b/pontos ‑ Fm`hj phrh `stfbujhr h aobprh r`aorr`nt` ` h
p`rbhnënafh aobo ajf`nt`. Ou fnajusfv` `strhtæifh m` `-bhfj bhrl`tfni aob e`n`dâafos `xajusfvos.
8.1. Aobo arfhr ub Dunfj m` Aonv`rsáo `d`tfvo Æ fbporthnt` she`r `b qu` `thph os usuèrfos `stáo phrh m`dfnfr ubh `strhtæifh. No ahso, por `x`bpjo, m` ub sft` m` v`nmh m` pjhnos phrh a`jujhr`s, h `strhtæifh m`v` `sthr doahmh `b ahmh ubh mhs `thphs. Nh `thph m` `xpjorhéáo o usuèrfo ac`ih aob ubh n`a`ssfmhm`. N`ss` ahso mo a`jujhr, aobo s` bhnt`r aon`athmo m` bhn`frh bñv`j. Nh `thph m` aonsfm`rhéáo, m`v`b s`r hpr`s`nthmos h pr`s`nthmos os vèrfos tfpos m` pjhnos ` e`n`dâafos od`r`afmos p`jh `bpr`sh aobo ubh possâv`j sojuéáo phrh shtfsdhz`r h n`a`ssfmhm` mo usuèrfo. @ nh `thph m` aobprh sáo hpr`s`nthmhs opéð`s phrh ht`nm`r h t`nm`r suh n`a`ssfmhm`. O dunfj m` aonv`rsáo m`v` s`r hvhjfhmo `b ahmh `thph phrh qu` h `bpr`sh tob` m`afsð`s qu` p`rbfthb bhxfbfzhr h r`nthefjfmhm` mh `strhtæifh ` suh otfbfzhéáo. Æ pr`afso j`vhr `b aonth qu` o proa`sso pom` s`r j`nto, bhs thbeæb æ possâv`j hutobhtfzhr bufths mhs héð`s h r`hjfzhr.
Hv. Mr. Ahrmoso m` B`jo, 67 - Tfjh Ojâbpfh Qáo Whujo, QW
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H `xpr`ssáo ‚dunfj m` aonv`rsáo‒ s` m`v` kusthb`nt` ho dhto m` qu` n`sshs `thphs `thph s o nûb`ro m` usuèrfos vhf mfbfnufnmo htæ ac`ihr ç aonv`rsáo dfnhj.
8.=. Pb Dunfj m` Aonv`rsáo `b ubh ahbphnch m` bhrl`tfni O dunfj m` aonv`rsáo m` ub sft` aonsth m` quhtro `thphs m`dfnfmhs `b ddunéáo unéáo mh dhs` `b qu` o usuèrfo `stfv`r no proa`sso m` aonv`rsáo. ●
Fbpr`ssáo; o usuèrfo vë ubh b`nshi`b mh bhrah ou ahbphnch, aob ub ahjj to
hatfon (A]H). ]rhth-s` m` ubh b`nshi`b qu` `stfbujh h ‚aobprhr‒, ‚ehfxhr‒, ‚r`ifstrhr‒, ‚vfsfthr‒, `ta. ●
Ajfqu`; o usuèrfo ajfah nh b`nshi`b `xfefmh nh `thph hnt`rfor.
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Q`ssáo; o usuèrfo ac`ih ho sft` `, aob os sfst`bhs m` b`mféáo, fnt`rpr`thbos
qu` `st` usuèrfo æ ub vfsfthnt`. Xuhnmo o usuèrfo ac`ih h ub sft` aobo vfsfth, `j` ac`ih ç ‚jhnmfni phi`‒ (pèifnh m` ht`rrfsshi`b), ` h phrtfr mhjf aontfnuh h nhv`ihéáo. ●
Aonv`rsáo; quhjqu`r héáo qu` h bhrah qu`frh qu` ub usuèrfo r`hjfz` ` s`kh
m`dfnfmh aobo ub oek`tfvo. Wom` s`r pr``nac`r o dorbujèrfo, s` r`ifstrhr, aobprhr ou quhjqu`r outrh héáo m`dfnfmh aobo oek`tfvo qu` t`nch sfmo e`b-sua`mfmh. ]hbeæb pom` chv`r ubh qufnth `thph, qu` æ h m` dfm`jfzhéáo. Aonsfst` `b i`rhr héð`s qu` botfv`b o usuèrfo h aobprhr novhb`nt` ou h r`hjfzhr ubh aobprh aruzhmh (aobprhr ub promuto aobpj`b`nthr mo prfb`fro).
5. Austob`r Kourn`y 5.8. O qu` æ o Austob`r Kourn`y Bhp? O austob`r kourn`y bhp æ ubh d`rrhb`nth m` bhrl`tfni qu` p`rbft` hnhjfshr o qu` haont`a` nh b`nt` mo ajf`nt` aob ehs` nos s`us afajos m` fnt`rhéáo aob ubh bhrah, ub promuto ou ub s`rvféo, arfhnmo ub u b ‚bhph‒ m`ssh fnt`rhéáo. O austob`r kourn`y bhp æ ubh d`rrhb`nth d `rrhb`nth m` M`sfin ]cfnlfni qu` p`rbft` r`dj`tfr r `dj`tfr `b ub bhph ahmh ubh mhs `thphs, fnt`rhéð`s, ahnhfs ` `j`b`ntos p`jos quhfs o ajf`nt` phssh `ntr` ub ponto ` outro mo s`rvféo mh bhrah.
Hv. Mr. Ahrmoso m` B`jo, 67 - Tfjh Ojâbpfh Qáo Whujo, QW
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5.5. Xuhfs sáo os `j`b`ntos `ss`nafhfs phrh bonthr o Austob`r Kourn`y Bhp ●
W`rsonh; m`v`bos m`dfnfr qu` p`rdfj m` p`ssoh s`rè o ajf`nt` mh nossh bhrah,
arfhr ubh ‚p`rsonh‒. @xfst`b buftos hrquætfpos hrq uætfpos m` ajf`nt`s mfd`r`nt`s aob n`a`ssfmhm`s vhrfhmhs qu` pom`b hmqufrfr ub b`sbo promuto ou s`rvféo. ●
@thphs; ahmh r`jhéáo m` ub ajf`nt` aob ubh bhrah pom` s`r mfvfmfmh `b vèrfhs
`thphs, qu` aostubhb s`r ‚hnt`s‒, ‚murhnt`‒ ` ‚m`pofs‒ mh aobprh mo promuto ou s`rvféo. ●
Fnt`rhéð`s; h dorbh aobo o ajf`nt` fnt`rhi` aob h bhrah `b m`t`rbfnhmos
bob`ntos. ●
@boéð`s; ahmh fnt`rhéáo mo ajf`nt` aob h bhrah, promuto ou s`rvféo i`rh
`boéð`s qu` pom`b s`r posftfvhs, n`ihtfvhs ou n`utrhs. ●
]ouacpofnts; sáo os pontos m` aonthto ou ahnhfs por b`fo mos quhfs o ajf`nt`
bhntæb fnt`rhéð`s aob h bhrah, promuto ou s`rvféo.
5.1. Austob`r Kourn`y Bhp T`khbos ub `x`bpjo m` ubh aona`ssfonèrfh m` ahrros aob ubh ‚p`rsonh‒ m` ajf`nt` m` p`rdfj bæmfo (náo ub `sp`aâdfao). O bhph dof mfvfmfmo `b trës `thphs; hnt`s, murhnt` ` m`pofs mh aobprh m` ub ahrro. Wom`bos v`r aobo h `thph m` præ-v`nmh æ bufto eoh, aob ub trhehjco trheh jco p`jh fnt`rn`t. Nh `thph m` v`nmh cè ub s`ntfb`nto n`ihtfvo, kè qu` o ajf`nt` náo `nt`nm`u e`b hs aonmféð`s m` dfnhnafhb`nto. Worthnto s` propð` ubh b`jcorh, aobunfahnmo `sth phrt` vfh fnt`rn`t ` nhs aona`ssfonèrfhs m` dorbh bhfs `d`tfvh. `d `tfvh. Outrh `thph aob oportunfmhm`s m` b`jcorh, æ h m` `sp`rh mo aontrhto ` suh hssfnhturh. h ssfnhturh. Wor fsso s` propð` `nvfhr o aontrhto ` od`r`a`r h possfefjfmhm` m` hssfnhturh mfifthj phrh hifjfzhr o proa`sso ho bèxfbo. H `thph m` pñs-v`nmh dunafonh `dfaf`nt`b`nt` ` t`b ub irhnm` p`so nh shtfsdhéáo dfnhj mo ajf`nt`.
Hv. Mr. Ahrmoso m` B`jo, 67 - Tfjh Ojâbpfh Qáo Whujo, QW
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1. Fntromuéáo h Dunmhb`ntos ]`anojñifaos ` M`dfnféð`s 1.8. O qu` æ ub s`rvfmor m` fnt`rn`t Pb s`rvfmor æ ub `qufphb`nto `j`trýnfao qu`, aon`athmo ç fnt`rn`t, aojoah a`rto aont`ûmo ç mfsposféáo m` outros usuèrfos aon`athmos ç fnt`rn`t. @ss` aont`ûmo pom` s`r ub sft`, fbhi`ns, vâm`os ` tomos os tfpos m` bht`rfhfs mfifthfs. Mfz-s` qu` ub s`rvfmor hrbhz`nh aont`ûmo. O s`rvféo m` ub s`rvfmor pom` s`r irhtufto ou phio, ` `b dunéáo mh dorbh m` aontrhthéáo cè bhfs ou b`nos s`rvféos. O Mropeox ` o Iooij` Mrfv`, por `x`bpjo, sáo s`rvfmor`s onm` æ possâv`j ahrr`ihr hrqufvos ` t`r ha`sso h `j`s m` quhjqu`r juihr. Pb s`rvfmor thbeæb pom` s`r ub mfsposftfvo `norb` joahjfzhmo nos @sthmos Pnfmos ou ub aobputhmor mobæstfao aon`athmo ç fnt`rn`t. @st`s s`rvfmor`s pom`b `sthr dfsfahb`nt` `b quhjqu`r juihr jui hr mo bunmo, ` aobo phrt` mo s`u s`rvféo od`r`a`b hjth mfsponfefjfmhm`. Aojoqufhjb`nt` dhjhnmo, æ r`sponshefjfmhm` mo dorn`a`mor mo s`rvféo qu` o `qufphb`nto `qufp hb`nto qu` t`b h dunéáo m` bhnt`r `ss` aont`ûmo s`bpr` mfsponâv`j nunah `st`kh m`sjfihmo ou mhnfdfahmo.
1.5. O qu` æ ub mobânfo m` fnt`rn`t Pb mobânfo æ ub nob`, qu` pom` s`r hjdhnubærfao, hjd hnubærfao, qu` i`rhjb`nt` æ vfnaujhmo h ub aont`ûmo hrbhz`nhmo `b ub aobputhmor ou mfsposftfvo `j`trýnfao ` aostubh s`r utfjfzhmo phrh r`pr`s`nthr os `nm`r`éos m` pèifnhs pè ifnhs m` fnt`rn`t.
Hv. Mr. Ahrmoso m` B`jo, 67 - Tfjh Ojâbpfh Qáo Whujo, QW
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Whrh fm`ntfdfahr `b qu` s`rvfmor `ss` aont`ûmo `stè hrbhz`nhmo sáo utfjfzhmos nûb`ros, achbhmos m` `nm`r`éos FW (Fnt`rn`t Wrotoaoj), qu` sáo os nûb`ros m` aon`xáo qu` fm`ntfdfahb ahmh aobputhmor aon`athmo ç fnt`rn`t. O FW mh pèifnh iooij`.aob, por `x`bpjo, sáo vèrfos nûb`ros qu` váo m` 891.86=.=8.55= h 891.86=.8=8.513. Aobo s`rfh fbpossâv`j qu` ub usuèrfo usuèr fo s` j`berhss` m`st`s nûb`ros m` fm`ntfdfahéáo m` ahmh ub mos sft`s p`jos quhfs qu hfs nhv`ih, aob o r`ifstro m` ub u b mobânfo s` vfnaujh ub nob` ho nûb`ro mo s`rvfmor onm` `ssh pèifnh `stè hrbhz`nhmh. Hssfb, h ‚fnt`rn`t‒ she` qu`, quhnmo ub usuèrfo `sar`v` aobo `nm`r`éo PUJ www.iooij`.aob, `j` m`v` s`r mfrfifmo ç pèifnh p èifnh 891.86=.=8.55=. ]umo fsso haont`a` `b mæafbos m` s`iunmo ` phssh m`sp`ra`efmo phrh o usuèrfo.
1.1. O qu` æ ub aoolf` Pb aoolf` æ ub hrqufvo m` t`xto qu` æ hrbhz`nhmo `b ub aobputhmor, thej`t ou mfsposftfvo bñv`j por b`fo m` ub s`rvfmor. Fsso p`rbft` qu` qu ` o sft` r`aorm` pr`d`rënafhs mo usuèrfoou ` qu` h nhv`ihéáo bhfs `dfaf`nt`. `ss` s`rvfmor ahphz`m` r`aup`rhr j`r s`u aont`ûmo.s`kh Os aoolf`s tornhbQñ h fnt`rhéáo `ntr`s`rè o usuèrfo o sft` bhfs rèpfmh ` dèafj. Os aoolf`s sáo hbpjhb`nt` utfjfzhmos phrh aonc`a`r h htfvfmhm` htfvf mhm` mos vfsfthnt`s m` ub sft`. @j`s sñ pom`b hrbhz`nhr t`xtos, `b i`rhj hnýnfbos ` arfptoirhdhmos. arfptoirhdh mos. N`ncubh fndorbhéáo p`ssohj æ hrbhz`nhmh nos aoolf`s, ` `st`s náo pom`b s` hssoafhmos h ubh p`ssoh fm`ntfdfahmh ou fm`ntfdfaèv`j. @st`s mhmos p`rbft`b iuhrmhr fndorbhéð`s soer` htfvfmhm`s mo usuèrfo, thnto m` nhv`ihéáo aobo m` aobporthb`nto. Q` ub sft` arfptoirhdh hs fndorbhéð`s mo aoolf`, sñ `ssh pèifnh pom` j`r hqu`jhs hq u`jhs fndorbhéð`s. @xfst`b aoolf`s prñprfos ` m` t`ra`fros. Os prñprfos sáo os m`t`rbfnhmos p`jo sft` `, hjæb m` dhz`r`b ub haobphnchb`nto mh nhv`ihéáo ` mo aobporthb`nto m`ntro mo sft`, s`rv`b phrh aondfiurhr hs opéð`s m` vfsuhjfzhéáo m` aont`ûmos. Os aoolf`s m` t`ra`fros sáo aoolf`s m` ubh `ntfmhm` `xt`rnh qu` qu ` os fnsthjh h dfb m` proporafonhr m`t`rbfnhmos s`rvféos. ]omos os nhv`ihmor`s m` fnt`rn`t p`rbft`b jfbfthr o dunafonhb`nto m` ub aoolf` ou m`shtfvè-jos m`ntro mh prñprfh aondfiurhéáo. Os phssos phrh fsso sáo mfd`r`nt`s `b ahmh nhv`ihmor. B`sbo qu` ub usuèrfo náo ha`ft` o uso mos aoolf`s, o sft` aontfnuhrè dunafonhnmo hm`quhmhb`nt`.
Hv. Mr. Ahrmoso m` B`jo, 67 - Tfjh Ojâbpfh Qáo Whujo, QW
er.mfifthjcous`.aob er.mfifthjcous`.aob
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=. H fbportånafh m` bonftorhr =.8. Wor qu` bonftorhr Hs htfvfmhm`s mos usuèrfos sáo bonftorhmhs h dfb m` qu` h `bpr`sh `nt`nmh o aobporthb`nto m`j`s. Whrh quë? Whrh r`hjfzhr r`h jfzhr bomfdfahéð`s oportunhs no bob`nto hm`quhmo. @ pom`r bumhr hs `strhtæifhs; o qu` s` dhz ` aobo s` dhz phrh bhxfbfzhr h quhntfmhm` m` v`z`s qu` os oek`tfvos m` n`iñafos sáo ht`nmfmos, `ta. O Iooij` Hnhjytfas æ h d`rrhb`nth m` bonftorhb`nto qu` s`rè ushmh ho jonio m`st` aurso. @ssh `saojch s` m`v` ho dhto m` s`r ubh d`rrhb`nth irhtufth ` dèafj m` fbpj`b`nthr, od`r`a`r ubh irhnm` ahphafmhm` m` hnèjfs` ` aoj`th ` mhmos, ` s`r æ bufto v`rsètfj.
=.5. Xu` æ ub LWF Pb LWF (sfijh m` L`y W`rdorbhna` Fnmfahtor< fnmfahmor-achv` m` m`s`bp`nco) æ ubh vhrfèv`j quhntfdfaèv`j qu` s`rv` phrh i`rfr ub oek`tfvo m` n`iñafo. n`iñafo. Ou s`kh, trhth-s` m` m` dhtor`s, vhrfèv`fs, unfmhm`s m` b`mfmh aonsfm`rhmos `strhtæifaos p`jh `bpr`sh. Aons`qu`nt`b`nt`, `j`s tëb fndjuënafh mfr`th no ‚aor` eusfn`ss‒. Os n`iñafos tëb vèrfos LWFs, m` haormo aob o m`phrthb`nto ou èr`h qu` s` qufs`r bonftorhr. Nh èr`h m` ht`nmfb`nto ho ajf`nt`, por `x`bpjo, aostubhb s`r bonftorhmos o ânmfa` m` shtfsdhéáo mos usuèrfos ou o t`bpo m` `sp`rh. Bhs nh èr`h aob`rafhj s` b`m`, por `x`bpjo, o t`bpo phrh qu` ub u b possâv`j ajf`nt` s` trhnsdorb` `b ajf`nt` m` dhto ou o vojub` m` v`nmhs b`nshj. Wom` phr`a`r aobpj`xo, bhs ub LWF æ sfbpj`sb`nt` h d`rrhb`nth phrh quhntfdfahr ` phrhb`trfzhr os dhtor`s qu` p`rbft`b qu` ub n`iñafo aontfnu` ‚vfvo‒ h ahmh mfh. ]omo pjhno m` bhrl`tfni m`v` `sthe`j`a`r LWFs p`rfñmfaos. Os LWFs sáo ub t`rbýb`tro r`hj mo n`iñafo ` nos p`rbft`b b`mfr ` quhntfdfahr o qu` æ r`j`vhnt`. @j`s p`rbft`b aontrojhr os m`svfos h t`bpo, aorrfif-jos ` `nt`nm`r os botfvos m`ss`s m`svfos. ]omhs hs irhnm`s `bpr`shs ushb mhsceohrms m` LWFs qu` sáo aontrojhmos p`rfomfahb`nt`, ` qu` dunafonhb aobo dont`s m` fndorbhéáo mos r`jhtñrfos m` i`stáo. i `stáo.
Hv. Mr. Ahrmoso m` B`jo, 67 - Tfjh Ojâbpfh Qáo Whujo, QW
er.mfifthjcous`.aob er.mfifthjcous`.aob
85
=.1. Bætrfahs-Achv` On-Jfn` H irhnm` mfd`r`néh `ntr` o bhrl`tfni trhmfafonhj ` o bhrl`tfni mfifthj æ qu` tumo (ou prhtfahb`nt` tumo) pom` s`r b`mfmo. T`kh h s`iufr ubh jfsth m` fnmfahmor`s ` bætrfahs-achv` qu` æ pr`afso aonc`a`r ` ushr murhnt` o aurso.
Fnmfahmor`s Fbpr`ssð`s
Ahmh v`z qu` ubh b`nshi`b (fbhi`b ou t`xto) æ bostrhmh h ub usuèrfo, aonsfm`rh-s` qu` couv` ubh fbpr`ssáo. Q` h b`sbh p`ssoh vfr h b`nshi`b trës v`z`s, sáo aobputhmhs trës fbpr`ssð`s. Ajfqu`s
Ahmh v`z qu` ub usuèrfo ajfah `b ubh p`éh. Whrh fsto, hs p`éhs, thnto m` fbhi`b aobo m` t`xto, aonthb aob ub ahjj to hatfon (A]H) qu` `stfbujh o usuèrfo h ajfahr phrh r`hjfzhr ubh héáo aonar`th (s` r`ifstrhr, aobprhr, `ta.). Aonv`rsáo
Æ ubh héáo `sp`aâdfah r`hjfzhmh por ub usuèrfo. @xfst`b vèrfos tfpos m` aonv`rsáo, aobo ubh vfsfth, ubh aobprh, ub mownjohm, o pr``nacfb`nto m` ub dorbujèrfo. Psuèrfo
W`ssoh aob ha`sso h fnt`rn`t qu` nhv`ih ` ush ubh pèifnh. Psuèrfo ûnfao
Nûb`ro m` usuèrfos ûnfaos qu` vfsfthrhb ub sft`, hpjfahtfvo `/ou pjhthdorbh mfifthj, ` qu` `stfv`rhb `xpostos hos s`us aont`ûmos ou hnûnafos. Hjahna`
Nûb`ro ou pora`nthi`b mo unfv`rso m` usuèrfos, s`b mupjfafmhm`s, `xposto h ubh ahbphnch `b ub m`t`rbfnhmo p`râomo. Pbh ahbphnch, por `x`bpjo, t`v` ub hjahna` m` S usuèrfos ou m` V pora`nthi`b mo pûejfao-hjvo.
Bætrfahs Hs bætrfahs sáo aobefnhéð`s mhs b`mféð`s. Hv. Mr. Ahrmoso m` B`jo, 67 - Tfjh Ojâbpfh Qáo Whujo, QW
er.mfifthjcous`.aob er.mfifthjcous`.aob
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@b i`rhj sáo mfd`r`nafhmhs por vhrfèv`fs vh rfèv`fs `aonýbfahs ou m` aobporthb`nto. ●
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Ajfq u`s ù Fbpr`ssð`s x 877 ]hxh m` Ajfqu`s (Ajfal ]crouic Uht`, A]U - %); Ajfqu`s ]hxh m` Aonv`rsáo (Aonv`rsfon Uht`, AU -%); Aonv`rsð`s ù ]othj m` vfsfths x 877
Quponchbos qu` ubh ahbphnch mfrfi` vfsfths phrh ubh pèifnh h dfb m` qu` o usuèrfo ‚aobpr`‒ ub promuto. H ]hxh m` Aonv`rsáo æ ahjaujhmh mfvfmfnmo o nûb`ro m` usuèrfos qu` aobprhrhb p`jo nûb`ro m` usuèrfos qu` vfrhb h od`rth, ` bujtfpjfahnmo por a`b. Q` 37 p`ssohs vfrhb h pèifnh mo promuto ` 0 aobprhrhb, h thxh m` aonv`rsáo æ m` 4,50%. O aèjaujo æ o s`iufnt`; 0 ù 37 x 877 2 4,50% Austob`r Jfd`tfb` Thju` (AJT, Afajo m` Tfmh mo Ajf`nt`)
Æ h `stfbhtfvh mos ihncos ` p`rmhs p`rmh s m`aorr`nt`s mhs trhnshéð`s r`hjfzhmhs p`jos ajf`nt`s, j`vhnmo `b aonth h murhéáo mh r`jhéáo bhntfmh aob `j`s. H dñrbujh æ; aobprh bæmfh m` ub ajf`nt` xx dd r`qu r`q uënafh m` aobprh xx murhéáo bæmfh mh r`jhéáo
Q` qufs`rbos, por `x`bpjo, m`t`rbfnhr o AJT m` ub u b ajf`nt` m` ubh pjhthdorbh m` bûsfah por hssfnhturh on-jfn` qu` phih p hih 87 mñjhr`s por bës murhnt` mofs hnos, m`v`bos dhz`r hs s`iufnt`s op`rhéð`s; 87 mñjhr`s x 85 b`s`s x 5 hnos 2 5=7 Hs vèrfhs bhn`frhs m` m`t`rbfnhr o fnv`stfb`nto sáo; ●
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Austo Wor Bfj Fbpr`ssð`s (AWB - $); Fnv`stfb`nto ù fbpr`ssð`s x 8777 Austo Wor Ajfqu` (AWA - $); Fnv`stfb`nto ù ajfqu`s
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Austo Wor J`hm ou Hssfnhturh (AWJ - $); Fnv`stfb`nto ù J`hms i`rhmos
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Austo Wor Hqufsféáo (AWH - $); Fnv`stfb`nto ù Psuèrfos aonqufsthmos
0. B`tomojoifh phrh h mfstrfeuféáo fm`hj mos ahnhfs 0.8. O qu` æ o bom`jo W@QO No phsshmo o bhrl`tfni trhmfafonhj s` ehs`hvh eh s`hvh no bom`jo mos ‚= Ws‒. Hv. Mr. Ahrmoso m` B`jo, 67 - Tfjh Ojâbpfh Qáo Whujo, QW
er.mfifthjcous`.aob er.mfifthjcous`.aob
8=
Aob o hvhnéo mh t`anojoifh, hs novhs t`anojoifhs mh fndorbhéáo, hs pjhthdorbhs s` tornhrhb `j`b`ntos dunmhb`nthfs mhs htuhfs `struturhs mo bhrl`tfni mfifthj. Hssfb nhsa`u o bom`jo W@QO (sfijh `b fnijës m` ‚phfm, `hrn`m, schr`m, own`m‒, phio, ihnco, aobphrtfjchmo, prñprfo). Q`u sua`sso s` m`v`u dunmhb`nthjb`nt` çs irhnm`s `xp`athtfvhs m`posfthmhs nhs prob`sshs m` hutobhtfzhéáo, r`muéáo m` austos ` hub`nto mo `nihkhb`nto. `nih khb`nto. @b ‚Whfm‒ `stáo hs fnfafhtfvhs m` ehnn`rs ou p`éhs m` t`xto/fbhi`b, b`fos m` aobunfahéáo trhmfafonhfs, proirhbhs m` hdfjfhmos, bhrl`tfni `b eusahmor`s (Q@B, Q`hrac @nifn` Bhrl`tfni) ` hnûnafos `b r`m`s soafhfs (Qoafhj ( Qoafhj Hms). @b ‚Own`m‒ `stáo os b`fos m` aobunfahéáo prñprfos, aobo o sft`, ub ejoi, pèifnhs pè ifnhs `b r`m`s soafhfs, `-bhfj bhrl`tfni aob o ehnao m` mhmos mh mos m` usuèrfos. @b ‚@hrn`m‒ `stáo hs r`m`s soafhfs, os fndju`nafhmor`s ou ejoii`rs. @ `b ‚Qchr`m‒ `stè o aont`ûmo i`rhmo ` aobphrtfjchmo p`jh aobunfmhm`. Bom`jo W@QO;
Thnthi`ns Whfm (Whio)
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@sahjèv`j; quhnto bhfor o fnv`stfb`nto, bhfor o vojub`
M`svhnthi`ns ●
Ar`mfefjfmhm` ehfxh; `sths b`nshi`ns sáo vfsths aob a`tfafsbo
Hv. Mr. Ahrmoso m` B`jo, 67 - Tfjh Ojâbpfh Qáo Whujo, QW
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Aondfèv`j; ihrhnt` `xposféáo ç b`nshi`b Uèpfmo; hs b`nshi`ns pom`b s`r `xposths no b`sbo mfh `b qu` s` m`afm` aob`éhr
@hrn`m (Ihnco)
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Hutorfmhm`; h b`nshi`b æ i`rhmh por outrh `bpr`sh Austo por aonthto rhzoèv`j; hprov`fthnmo o thbhnco m` ub pûejfao `sthe`j`afmo
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Own`m (Wrñprfo)
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E`n`dâafos h jonio prhzo; b`sbo hpñs o dfb mhs b`néð`s, os e`n`dâafos mhs r`d`rënafhs aontfnuhb phrh Q@O
Qchr`m (Aobphrtfjchmo)
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Aondfèv`j; os pûejfaos aondfhb no aont`ûmo aobphrtfjchmo
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Ehrhto; o ar`safb`nto m`p`nm` bhfs mh quhjfmhm` mhs b`nshi`ns mo qu` mo vhjor fnv`stfmo
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Ufsao ehfxo; cè aontroj` soer` o tfpo
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m` aont`ûmo i`rhmo W`rmurèv`j; o aont`ûmo arfhmo p`rbhn`a` ho jonio mo t`bpo
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Ahro; ç b`mfmh qu` o hjahna` ` h dr`quënafh hub`nthb, os austos thbeæb soe`b @dëb`ro; quhnmo oréhb`nto haheh, tumo vojth h s`r aobo hnt`s Náo ihrhntfmo; náo s` pom` pjhn`khr n`b she`r quhnmo chv`rè ubh b`néáo nh fbpr`nsh Mfdâafj m` `sahjhr; hssfb aobo náo s` pom` ihrhntfr, thbeæb náo s` pom` ar`sa`r `b `sahjh Ahro; aonstrufr pr`s`néh r`jhafonhb`nto aob h ` fbpr`nsh `xfi` pjhn`khb`nto ` fnv`stfb`nto Náo pjhn`kèv`j; æ mfdâafj pr`v`r qu` aont`ûmos s`ráo aobphrtfjchmos Náo `sahjèv`j; promuzfr bhfs aont`ûmo náo ihrhnt` bhfs aobphrtfjchb`nto J`nto; h aonstruéáo m` pûejfaos prñprfos æ j`nth M`p`nm`nt`; `xfi` o hprov`fthb`nto m` fnfafhtfvhs Whihs, Ihnchs ` Aobphrtfjchmhs phrh aonstrufr ubh bhrah prñprfh
4. M`thjc`s mhs prfnafphfs dont`s m` bhrl`tfni 4.8. Mfspjhys ou Ehnn`rs Qáo ahbphnchs m` ehnn`rs `b b`fos m` aobunfahéáo mfifthfs.
Hv. Mr. Ahrmoso m` B`jo, 67 - Tfjh Ojâbpfh Qáo Whujo, QW
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O FHE (Fnt`rhatfv` Hmv`rtfsfni Eur`hu) cobojoiou hs b`mfmhs-phmráo mos ehnn`rs phrh qu` tomos os b`fos m` aobunfahéáo us`b hs b`sbhs b`mfmhs. Os thbhncos m`sshs p`éhs dorhb `sthe`j`afmos `b pfx`js, ehsfahb`nt` porqu` m`p`nm`b mh r`sojuéáo mos bonftor`s. O bom`jo m` aobprh pom` s`r por Austo Wor Bfj Fbpr`ssð`s (AWB) ou Austo Wor Ajfqu` (AWA). Xu`b dhz ubh aobprh m` U$ 07,77 `b AWB, por `x`bpjo, phih U$ 07,77 h ahmh bfj v`z`s qu` o ehnn`r dor `xfefmo.
4.5. Bhrl`tfni `b eusahmor`s (Q`hrac @nifn` Bhrl`tfni Q@B) Qáo ahbphnchs m` hnûnafos m` t`xto, h phrtfr m` aobprh m` phjhvrhs-achv` `strhtæifahs. Ou s`kh, sáo hnûnafos mh bhrah qu` hphr`a`b `b dunéáo mh phjhvrh-achv` qu` tfv`r sfmo aobprhmh. Pbh `bpr`sh qu` qu`frh mfvujihr ub novo bom`jo m` i`jhm`frh, por `x`bpjo, m`v` arfhr ub hnûnafo m` t`xto qu` hphr`éh quhnmo ub usuèrfo eusahr ‚aobprhr i`jhm`frh‒. O bom`jo m` aobprh æ m` Austo Wor Ajfqu` (AWA) por phjhvrh-achv`. Hs phjhvrhs-achv` sáo aobprhmhs por b`fo m` jhna`s por ajfqu` d`ftos `b ahmh phjhvrh-achv` `saojcfmh. Ho jonio mo aurso trhehjchr`bos aob h pjhthdorbh Iooij` HmYorms, kè qu` o Iooij` aona`ntrh 63% mhs eusahs `b nâv`j bunmfhj.
Hv. Mr. Ahrmoso m` B`jo, 67 - Tfjh Ojâbpfh Qáo Whujo, QW
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4.1. Wosfafonhb`nto oriånfao `b eusahmor`s (Q`hrac @nifn` Optfbfzhtfon - Q@O) Æ o trèd`io oriånfao (náo phio), m`aorr`nt` m` eusahs NÁO phihs. Hphr`a` nhs pèifnhs mo Iooij` m`pofs mos hnûnafos h nûnafos phios. Aobo dunafonh? O Iooij` fnm`xh o aont`ûmo m` ahmh pèifnh pèi fnh m` ub sft` ` htrfe htrfeuf uf ubh pontuhéáo ` ubh r`j`vånafh phrh m`t`rbfnhmhs phjhvrhs-achv`. Xuhnmo ub usuèrfo eusah `ssh phjhvrh-achv`, `b dunéáo d unéáo m`ss` ânmfa` o Iooij` bostrh ubh pèifnh prfb`fro ` outrh m`pofs, ` hssfb m`t`rbfnh h orm`b, `b dunéáo mh U@J@TÅNAFH. Whrh b`jcorhr o posfafonhb`nto oriånfao `b eusahmor`s æ pr`afso trhehjchr trhe hjchr no aont`ûmo ` nh `struturh mo sft` h dfb m` dhafjfthr hos eusahmor`s h fnm`xhéáo mo aont`ûmo ` hs phjhvrhs-achv` r`j`vhnt`s phrh o n`iñafo.
Hv. Mr. Ahrmoso m` B`jo, 67 - Tfjh Ojâbpfh Qáo Whujo, QW
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4.1.8. U`m`s Qoafhfs Wuejfafmhm` `b U`m`s Qoafhfs
Qáo hnûnafos m` t`xto, fbhi`b ` vâm`o nhs r`m`s soafhfs. H aobprh `b i`rhj æ por Austo Wor Ajfqu` (AWA), Austo Wor Bfj Fbpr`ssð`s (AWB) ou por oek`tfvos `sp`aâdfaos. Wr`s`néh `b U`m`s Qoafhfs
Æ h pr`s`néh `b r`m`s soafhfs `b qu` h bhrah `xpð` s`us aont`ûmos phrh qu` hs p`ssohs fnt`rhkhb aob `j`s. Hs bhrahs aostubhb t`r suhs pèifnhs pèi fnhs no Dha`eool. Æ b`mfmh p`jo hjahna` ` p`jh phrtfafphéáo ph rtfafphéáo mos usuèrfos, ` náo t`b austo.
4.1.5. @-bhfj Bhrl`tfni Æ h aobunfahéáo m` bhrl`tfni por aorr`fo `j`trýnfao h phrtfr m` ub e ehnao hnao m` mhmos m` hssfnhnt`s ou ajf`nt`s. @ss` ehnao m` mhmos pom` s`r i`rhmo orihnfahb`nt` ou aob ahbphnchs phihs. Wom` s`r ub r`aurso m` ehfxâssfbo austo, bhs o ehnao m` mhmos aob os `-bhfjs mos usuèrfos pr`afsh t`r sfmo i`rhmo hnt`rforb`nt`.
9. U`m`s Qoafhfs 9.8. Xu` bætrfahs hs r`m`s soafhfs ushb Hs r`m`s soafhfs tëb suhs bætrfahs prñprfhs, `b dunéáo mo aobporthb`nto mos usuèrfos. Pbh dorbh m` b`mfr h `dfafënafh `d fafënafh æ por ]hxh m` @nihkhb`nto (Fnt`rhéð`s ù Tfsuhjfzhéð`s x 877). Fsto p`rbft` quhntfdfahr o `nvojvfb`nto mo pûejfao aob o aont`ûmo i`rhmo.
Hv. Mr. Ahrmoso m` B`jo, 67 - Tfjh Ojâbpfh Qáo Whujo, QW
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AobQaor`; usuèrfos ijoehfs mhs r`m`s soafhj (hiosto/5789)
9.5. Dha`eool @b jfnchs i`rhfs, `xfst`b p`rdfs m` fnmfvâmuos (s` ( s` voaë náo t`b ubh aonth, m`v`rfh arfè-jh) ` m` `bpr`shs (pèifnhs), hjæb m` pèifnhs m` juihr`s ` hjiubhs outrhs. Whrh arfhr ubh aonth p`ssohj; cttps;//www.dha`eool.aob/c`jp/097930174=114==/ cttps;//www.dha`eool.aob/c`jp/097930174=114==/ N`sshs pèifnhs, fnmfvâmuos ` `bpr`shs aobphrtfjchb fndorbhéð`s ` `sar`v`b soer` mfv`rsos hssuntos. Xuhnmo ubh p`ssoh qu` t`b ub p`rdfj dfah ‚hbfih‒ m` outrh ou phssh h ‚s`iufr‒ ubh `bpr`sh, `jh aob`éh h v`r nh suh pèifnh fnfafhj o qu` `sths p`ssohs ` `bpr`shs `sar`v`b ` aobphrtfjchb. Ho arfhr ub p`rdfj m` `bpr`sh æ possâv`j aondfiurhr o nâv`j m` aontroj` qu` s` qu`r t`r mo p`rdfj. Wor `x`bpjo, pom`-s` `sthe`j`a`r s` tomos os aob`ntèrfos s`ráo præ-bom`rhmos ou puejfahmos hutobhtfahb`nt`, s` os hbfios ou s`iufmor`s pom`ráo p om`ráo ou náo puejfahr aont`ûmos, `ta. Qoer` `ss`s aont`ûmos os usuèrfos pom`b r`hjfzhr hs s`iufnt`s fnt`rhéð`s;
Hv. Mr. Ahrmoso m` B`jo, 67 - Tfjh Ojâbpfh Qáo Whujo, QW
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Wosthr; æ h `xpr`ssáo m` ub usuèrfo aob dotos, t`xtos ou vâm`os. Qoer` hs
posthi`ns, os outros usuèrfos qu` sáo ‚hbfios‒ ‚ hbfios‒ (m` p`ssohs) ou ‚s`iufmor`s‒ (m` `bpr`shs) pom`b dhz`r fnt`rv`néð`s aobo; ●
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Aob`nthr; o usuèrfo r`ifstrhmo dhz ub aob`ntèrfo. Aurtfr ou U`hifr aob ‚`boéð`s‒; o usuèrfo r`ifstrhmo `xpr`ssh aob âaon`s
hjiubh `boéáo soer` hjiubh doto, vâm`o v âm`o ou aob`ntèrfo. Wom` s`r m` hj`irfh, mfv`rsáo, hirhm`afb`nto, trfst`zh ` outros. ●
Aobphrtfjchr; o usuèrfo aobphrtfjch h posthi`b.
9.1. ]wftt`r Æ ubh r`m` soafhj ehs`hmh nh fnsthnthn`fmhm` ` no fb`mfhtfsbo. @xfst`b p`rdfs/aonths m` p`ssohs ou `bpr`shs. Hssfb aobo no Dha`eool, ahmh p`rdfj pom` `sar`v`r ou aobphrtfjchr aont`ûmos. Æ possâv`j ‚s`iufr‒ p`rdfs/aonths. Fsso dhz aob qu` nh suh jfnch mo t`bpo hphr`éh o qu` dof `sarfto p`jos p`rdfs qu` voaë s`iu`. Os s`iufmor`s pom`b r`hjfzhr hs s`iufnt`s fnt`rhéð`s; ●
u b aob`ntèrfo, s`kh aob t`xto ou fbhi`b. Aob`nthr; o usuèrfo dhz ub
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Aurtfr; o usuèrfo aurt` h posthi`b.
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U`twftthr; o usuèrfo r`pjfah no prñprfo p`rdfj ubh puejfahéáo m` outrh aonth. @ss`
r`tw``t pom` s`r d`fto har`sa`nthnmo aob`ntèrfos ou r`promuzfnmo o tw``t m` dorbh fmëntfah. ●
@nvfhr b`nshi`b mfr`th; o usuèrfo bhnmh ubh b`nshi`b mfr`th phrh outrh
aonth.
9.=. Fnsthirhb Æ ubh r`m` soafhj ehs`hmh `b aont`ûmo humfovfsuhj. Hs p`ssohs arfhb p`rdfs ` os p`rdfs pom`b s`r s`iufmos `ntr` sf. Æ possâv`j t`r p`rdfs pûejfaos (quhjqu`r p`ssoh pom` s`iufr) ou prfvhmos (o s`ib`nto `xfi` hutorfzhéáo mo mono mh aonth). @bpr`shs thbeæb pom`b t`r s`us p`rdfs, qu` jc`s p`rbft`b oet`r bætrfahs vhrfhmhs h phrtfr m` 877 s`iufmor`s. Os s`iufmor`s pom`b r`hjfzhr hs s`iufnt`s fnt`rhéð`s;
Hv. Mr. Ahrmoso m` B`jo, 67 - Tfjh Ojâbpfh Qáo Whujo, QW
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Aob`nthr; o usuèrfo dhz ub aob`ntèrfo.
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Aurtfr; o usuèrfo aurt` o aont`ûmo.
cttps;//www.fnsthirhb.aob/ AobQaor`; mfstrfeuféáo mhs r`m`s soafhfs por s`xo (hiosto/5789)
M`shdfo Onjfn` M`pofs m` `stumhr `ss`s bht`rfhfs voaë `stè pronto phrh ph rh r`sojv`r o M`shdfo Onjfn`;
Hv. Mr. Ahrmoso m` B`jo, 67 - Tfjh Ojâbpfh Qáo Whujo, QW
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cttps;//moas.iooij`.aob/dorbs/m/`/8DHFpXJQ`blSD=@TcC3WIJ]7aff@mYpuadr0bH BjNmDiM@b-tUxa73Sw/vf`wdorb BjNmDiM@b-tUxa73Sw/vf`wdorb
Hv. Mr. Ahrmoso m` B`jo, 67 - Tfjh Ojâbpfh Qáo Whujo, QW
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