Every rating shown on this page was made by real people who purchased the product and gave their opinion about the product. When a person buys a product through Hotmart, they are invited to rate the content. The rating shown on this page is the average of these ratings by the buyers, and is from 1 to 5 stars.

The Guarantee Period is the time you have to request the total refund of what you paid for your purchase if you are not satisfied. As soon as it is requested, your refund is processed automatically by the platform in up to 5 days. For payments via "boleto" it is necessary to provide bank account information for the refund to be made. After the information has been provided and the processing period of 5 days, the amount will be credited in your account in up to 7 business days. As for refunds on your credit card statement, it varies according to the payment method and may take from 30 to 60 days.

Hotmart products have benefits that change according to the type of product and availability. For example, products in the category "Online courses" may or may not offer a digital certificate of completion. If the certificate is available, students can issue it within the course Members Area or by contacting the Author. Certificates can be shared on social networks like LinkedIn and included in the student's CV. The guarantee is also a benefit of our products and can vary from 7, 15, or 30 days, according to what is set by the Author. To see the benefits available for this product, just check the Advantages section.

You'll receive access to PLANILHA DE PLANEJAMENTO E ORÇAMENTO FAMILIAR + CLOSE FRIENDS by email. It may be an online course, an eBook, a series of video lessons, a service, an event, etc. This content will be accessed or downloaded through a computer, mobile phone, tablet, or any other digital device. You can also access the product you purchased on this page:

A product available for purchase shows the price of the product, along with the payment methods. To order this product, click “Buy” on the top of this page. Keep in mind that not all products will always be available to be purchased. A Producer may be preparing a new class and registration for the course may be temporarily unavailable.

If you wish to become an Affiliate, we recommend that you read the guides that we provide on all Hotmart channels. A great way to get more information is by visiting our blog. The product on this page is only available for purchase, to view affiliation products, go to the Affiliate Market.

We have an exclusive channel to receive reports on products that do not comply with the guidelines of the Hotmart platform.

Access our Help Center where we explain, in detail, every question you may have before, during, or after purchasing a digital product through Hotmart.