Nomad offers US account opening to non-US resident Brazilians. Nomad is not a bank, it is a fintech company. The foreign exchange transactions and fund transfers from Brazil to the deposit accounts in the United States are made in partnership with Ouribank S.A. Banco Múltiplo (“Ouribank”). Ouribank is not responsible for US account opening or management nor for the currency conversions made by Nomad Fintech Inc. (“Nomad Fintech”).

Nomad Tecnologia Ltda., a company of the Nomad business group, is headquartered in the City of São Paulo, State of São Paulo, at Rua Bela Cintra, nº 1149, Sobreloja, Consolação, Zip Code 01.415-907, enrolled with the Corporate Tax ID of the Ministry of Economy under CNPJ/ME No. 34.662.852/0001-66, which is also a foreign exchange correspondent for Ouribank, responsible for conducting foreign exchange transactions for clients, as established in CMN Resolution 4.935, of July 29, 2021. 

Ouribank is not an affiliate, subsidiary or controlled company of either Nomad Fintech or Nomad Tecnologia Ltda. For any questions, complaints, or need for support, clients should contact Nomad's customer service channels (+55 11 4200.0204, support@nomadglobal.com). Ouribank’s customer service channels for complaints regarding foreign exchange transactions are +55 0800-775-0404 (SAC) or SAC@ouribank.com. Should Ouribank’s SAC not resolve the issue, clients may contact Ouribank’s Ombudsman’s Office for matters pertaining foreign exchange transactions under its responsibility, by calling 0800-603-44444 or 0800-775-4000, or via e-mail at ouvidoria@ouribank.com. The Central Bank of Brazil’s Public Service Helpline is 145.

The Nomad Visa debit card (“Nomad Visa Debit Card”) is issued by Community Federal Savings Bank (“Bank”), Member FDIC, under license from Visa U.S.A. Inc. Nomad Fintech is a program manager for the Nomad Visa Debit Card, and is solely responsible for providing customer service to you on the Bank’s behalf for the Nomad Visa Debit Card and the associated U.S. demand deposit account. The Bank has no association to any other services offered by Nomad Fintech.

The Nomad Visa Debit Card requires identity verification by both Nomad Fintech and the Bank. Fund availability in the U.S. demand deposit account depends on the timing of your payment instructions and may be subject to fraud prevention restrictions. Therefore, transfer times may vary.

These Funds loaded in Brazilian reais are not held by the Bank until they are converted into U.S. dollars by Nomad Fintech and transferred to the Bank. The Bank, as a FDIC Member, provides you with FDIC insurance coverage for funds in the U.S. demand deposit account, limited to US$250,000 per depositor, per ownership category, per insured banking institution. For more information about FDIC insurance, please visit www.FDIC.gov. You are responsible for managing your total assets across all banks within the FDIC program to ensure you remain within coverage limits.  

Your U.S. dollar balances may sent to and held the Bank or placed by the Bank at one or more of the other FDIC member and insured depository institutions listed at https://www.cfsb.com/fdic/ (“network banks”). The list of network banks is subject to change from time to time.  Your U.S. dollar balances and other deposits you may hold at the Bank are insured up to US$ 250,000 in the aggregate and, similarly, your U.S. dollar balances we place with any of the network banks on your behalf and other deposits you have at that network bank are insured up to US$ 250,000 in the aggregate in the event the bank that holds the deposit fails. Actual insured amounts may be lower or adversely affected based on any balances you separately hold at a network bank.

The investment services available on the Nomad Global platform (“Nomad”) are offered to investors resident, domiciled or incorporated in the Federative Republic of Brazil through Global Investment Services Distribuidora de Títulos e Valores Mobiliários Ltda. (“Global DTVM”), under the terms of the partnership entered into with Nomad Fintech (for more information, click here) and Nomad Investment Services, Inc (NIS)  (for more information, click here ).

Global DTVM is a securities dealership firm duly authorized to operate by the Brazilian Central Bank (Banco Central do Brasil – “BCB”) and registered as a member of the Brazilian securities distribution system with the Brazilian Securities and Exchange Commission (Comissão de Valores Mobiliários – “CVM”).

Nomad Fintech is an institution that is headquartered in the United States and is registered with the United States Securities and Exchange Commission (“SEC”) as an Investment Advisor, offering its services exclusively in the United States and in relation to U.S. investment products. NIS is a Broker-Dealer registered with the SEC, a member of FINRA (www.finra.org) and the SIPC (www.sipc.org), and headquartered in the state of Florida, United States. NIS provides its services exclusively in the United States and under the rules and regulations applicable to the US. Nomad Investment Service's license can be consulted through FINRA's BrokerCheck tool (www.brokercheck.finra.org/).

Pursuant to CVM Guidance Opinion No. 33, of September 30, 2005, Memorandum No. 112/2020-CVM/SMI/GME, of October 29, 2020, and the decision rendered by the CVM Board through Meeting No. 08, of February 23, 2021, the offer of intermediation services for securities issued and admitted to trading abroad, as in the case of investment services provided by Nomad Fintech and NIS in the United States, must be intermediated by an institution that is a member of the Brazilian securities distribution system, such as Global DTVM. 

Such services were not registered or are subjected to CVM's supervision or another Brazilian regulation institution. Read more in the Legal Notices - Investment Services. To register complaints or ask for support, clients who are residents or domiciled in Brazil who happen to become Nomad's clients through the intermediation of the Brazilian Partner, are welcome to contact us at support@nomadglobal.com or +55 (11) 4200-0204 (Brazil) / +1 (888) 998-2261 (USA).

Certain U.S. investment services provided by Nomad Fintech and NIS rely on integrations with partners, such as DriveWealth LLC (“DriveWealth”) and Apex Clearing Corporation (“Apex”), members of the Financial Industry Regulatory Authority (“FINRA”) (www.finra.org) and the Securities Investor Protection Corporation (“SIPC”) (https://www.sipc.org/).

SIPC protects securities customers of its members' clients holding securities up to US$ 500,000.00 (including US$ 250,000.00 for money claims for cash). Explanatory brochure available upon request or at www.sipc.org. SIPC does not protect against market losses and does not cover bank deposits. Your investments are held in an individual account at DriveWealth or Apex. Check the records of these firms in FINRA's BrokerCheck tool (www.brokercheck.finra.org/).

The protection available by the FDIC, applicable to the U.S. bank account available on the Nomad platform, does not cover balances deposited with DriveWealth or Apex.

The transfer of funds to your investment account may be carried out through Nomad or an Exchange Agent, as provided in the Terms of Use – Nomad Services, Remittance Components.

Your investments abroad may be subject to taxation in Brazil and, additionally, your earnings may be subject to taxation in the United States. For more information, please see the Legal Notices - Investment Services.

A transferência de recursos para sua conta de investimento pode ser realizada por meio da Nomad ou de Agente de Câmbio, na forma prevista nos Termos de Uso – Serviços Nomad, Componentes de Remessa.

Although Nomad Fintech and NIS carefully evaluate the assets available on the App, we make no representation regarding the likelihood of any investment achieving a particular result or objective. Past performance is no guarantee of future results. Asset values fluctuate (volatility), meaning returns in one period may be significantly higher or lower than in a previous period. Investments may lose value. Nomad Fintech and NIS  cannot predict market fluctuations or other uncertainties that may affect the value of any investment. For more information, visit Risk Factors. As an individual, you should carefully consider the suitability of your investments in light of your financial circumstances, including cash flow needs, tax circumstances, risk profile, or other subjective factors. It is recommended that you use all available resources to inform yourself about investments in general and your portfolio's overall composition. Tax or legal considerations regarding investments made through Nomad must be obtained by the clients themselves. Nomad Fintech, NIS and its affiliates do not provide any type of legal or tax advice.

Nomad Wealth Management Ltda (“Nomad Wealth”) is an entity acting as a Brazilian Financial Adviser authorized by the Brazilian CVM, operating independently within Brazilian territory. By engaging its services, clients may receive personalized recommendations and strategic guidance considering their risk profile, objectives, and financial situation. The services of Nomad Wealth aim to assist investors in making investment decisions, but do not guarantee results and are not a substitute for your own analysis. Inform yourself about the risks of each investment and invest responsibly.

The trademarks, logos, and service marks appearing in the Services, including, but not limited to, the registered trademark “Nomad,” are registered trademarks and service marks of Nomad. Other company names, product names, and service names used and displayed in the Services may be trademarks or service marks of their respective owners, who may or may not endorse or be affiliated or connected with us. Nothing in the Services should be construed as granting, implicitly or otherwise, any license or right to use any trademark or service mark displayed in the Services without our prior written permission in each instance. Please read our Privacy Policy and Information Security Policy to learn more about data protection, your rights as a data subject, and cybersecurity.

Learn more about Nomad Fintech on the Investment Adviser Public Disclosure (“IAPD”), available at https://adviserinfo.sec.gov/firm/summary/307764. Check all legal information.