Despezzas
Despezzas
Your chance to win R$ 1,000* with Despezzas!
Your chance to win R$ 1,000* with Despezzas!
It's easy to participate: just fill out our form between 10/07 and 11/07. It’s that simple!
It's easy to participate: just fill out our form between 10/07 and 11/07. It's that simple!
I want to participate
Learn more
Promotion by BGJ RESEARCH LTDA. Draws guaranteed by CAPEMISA Capitalization S/A, SUSEP Process 15414.629765/2023-36. The sale of Capitalization Titles to minors under the age of sixteen is prohibited. Before contracting, please consult the General Conditions in advance. Customer Service 0800 940 1130. Ombudsman 0800 707 4936. Prizes net of income tax.
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Waiting for the big moment!
Waiting for the big moment!
Could you be our big winner? Stay tuned, the results will be out soon!
Could you be our big winner? Stay tuned, the results will be out soon!
The result will be released on November 12, 2024
But after all, how does it work?
But after all, how does it work?
By filling out the form, you already secure your lucky participation number.
By filling out the form, you guarantee your lucky participation number.
Ah! Each CPF is entitled to a single lucky number, and the draw will be based on the Federal Lottery.
Ah! Each CPF is entitled to a single lucky number, and the draw will be based on the Federal Lottery.
Participation Period
Participation Period
You can participate in the drawing from 07/10/2024 to 07/11/2024
You can participate in the draw from 10/07/2024 to 11/07/2024
Extraction date
The lottery drawing will take place on 09/11/2024, based on the results of the Federal Lottery.
The lottery drawing will take place on 11/09/2024, based on the results of the Federal Lottery.
Disclosure of the result
The result will be announced on 11/12/2024, at 4:00 PM (Brasília time).
The result will be announced on 11/12/2024, at 4:00 PM (Brasília time).
Stay tuned to the regulations and follow the announcement of the winner's number and name right here! 👇
Stay tuned to the regulations and follow the announcement of the winner's number and name right here! 👇
Regulation
Regulation
COMMERCIAL PROMOTION "AWARDED RESEARCH DESPEZZAS"
COMMERCIAL PROMOTION "AWARDED RESEARCH DESPEZZAS"
BGJ RESEARCH LTDA.
Avenida Afonso Pena, Number 3351, Room 1102 Letter BG, Serra, Belo Horizonte/MG, ZIP: 30.130-008
CNPJ/MF: 51.292.115/0001-38
BGJ RESEARCH LTDA.
Avenida Afonso Pena, Number 3351, Room 1102 Letter BG, Serra, Belo Horizonte/MG, ZIP: 30.130-008
CNPJ/MF: 51.292.115/0001-38
BGJ RESEARCH LTDA., CNPJ 51.292.115/0001-38, in the capacity of Promoter of the Event and owner
of Single Contribution Incentive Capitalization Titles, issued and managed by
CAPEMISA Capitalização S/A, CNPJ 14.056.028/0001-55, whose technical notes and General Conditions were
approved through SUSEP Process No. 15414.629765/2023-36, available for consultation and printing
at www.susep.gov.br, according to the above number, will grant free of charge the right to the draw of
the titles to the client who meets the conditions of this regulation, who will receive a number composed of
05 (five) digits (Lucky Number) to participate in the draws that will be based on
the draws of the Federal Lottery.
BGJ RESEARCH LTDA., CNPJ 51.292.115/0001-38, as the Event Promoter and owner of one-time Contribution Incentive Capitalization Titles, issued and managed by CAPEMISA Capitalização S/A, CNPJ 14.056.028/0001-55, whose technical notes and General Conditions have been
approved through SUSEP Process No. 15414.629765/2023-36, available for consultation and printing at www.susep.gov.br, in accordance with the above number, will grant the right to raffle the titles free of charge to the client who meets the conditions of this regulation, who will receive a number composed of
05 (five) digits (Lucky Number) to compete in the raffles that will be calculated based on the draws of the Federal Lottery.
BGJ RESEARCH LTDA., CNPJ 51.292.115/0001-38, as the Event Promoter and owner of one-time Contribution Incentive Capitalization Titles, issued and managed by CAPEMISA Capitalização S/A, CNPJ 14.056.028/0001-55, whose technical notes and General Conditions have been
approved through SUSEP Process No. 15414.629765/2023-36, available for consultation and printing at www.susep.gov.br, in accordance with the above number, will grant the right to raffle the titles free of charge to the client who meets the conditions of this regulation, who will receive a number composed of
05 (five) digits (Lucky Number) to compete in the raffles that will be calculated based on the draws of the Federal Lottery.
OBJECTIVE
All customers who fully respond to the survey prepared by the promoter and within the stipulated period will be able to participate in the promotion. The account holder will have the right to participate free of charge,
as specified in these regulations, available at www.despezzas.com.br/pesquisa, in
the following draw:
01 (one) unique draw on 11/09/2024, entitled to a net prize of R$ 1,000.00 (one thousand reais),
according to SUSEP Process No. 15414.629765/2023-36 and current legislation.
All customers who fully respond to the survey prepared by the promoter within the specified period will be able to participate in the promotion; the account holder will have the right to participate for free, as specified in these regulations, available at www.despezzas.com.br/pesquisa, in the
following raffle:
One (1) unique raffle on 11/09/2024, with the right to a net prize of R$ 1,000.00 (one thousand reais), according to SUSEP Process No. 15414.629765/2023-36 and current legislation.
All customers who fully respond to the survey prepared by the promoter within the specified period will be able to participate in the promotion; the account holder will have the right to participate for free, as specified in these regulations, available at www.despezzas.com.br/pesquisa, in the
following raffle:
One (1) unique raffle on 11/09/2024, with the right to a net prize of R$ 1,000.00 (one thousand reais), according to SUSEP Process No. 15414.629765/2023-36 and current legislation.
LUCKY NUMBER
The Customer will receive, among other information, the Lucky Number(s) with which they will participate in the draw,
the number of draws they will participate in, and the start date of participation.
The Customer will receive, among other information, the Lucky Number(s) with which they will compete in the raffle, the number of raffles they will participate in, and the start date of participation.
The Customer will receive, among other information, the Lucky Number(s) with which they will compete in the raffle, the number of raffles they will participate in, and the start date of participation.
DRAW
Only one participation per CPF will be allowed.
The draws will be based on the results of the draws of the Brazilian Federal Lottery, held
on Saturdays.
The result of the Federal Lottery can be followed through the website
https://loterias.caixa.gov.br/Paginas/Federal.aspx and at any lottery house.
If there is no draw of the Federal Lottery on the scheduled date, the corresponding draw will be postponed to the
first draw that is held up to the day before the following Saturday.
Participation will be limited to one per CPF.
The draws will be determined based on the results of the Federal Lottery of Brazil, held on Saturdays.
The result of the Federal Lottery can be followed through the website
https://loterias.caixa.gov.br/Paginas/Federal.aspx and at any Lottery House.
If there is no extraction of the Federal Lottery on the scheduled date, the corresponding draw will be postponed to the first extraction that takes place until the day before the next Saturday.
Participation will be limited to one per CPF.
The draws will be determined based on the results of the Federal Lottery of Brazil, held on Saturdays.
The result of the Federal Lottery can be followed through the website
https://loterias.caixa.gov.br/Paginas/Federal.aspx and at any Lottery House.
If there is no extraction of the Federal Lottery on the scheduled date, the corresponding draw will be postponed to the first extraction that takes place until the day before the next Saturday.
For the purpose of determining the winner, the Title in effect on the date of the draw will be considered, whose NUMBER OF THE LOTTERY
informed on the Individual Insurance Certificate, coincides, following the order of prizes, with the reading
of the digit of the tens place of the first prize of the Federal Lottery, plus the column formed by the
digits of the unit place of the 5 (five) first prizes of the same extraction, read vertically from
top to bottom, as exemplified:
For the purpose of verification, the Title in effect on the date of the draw will be considered, whose LUCKY NUMBER indicated on the Individual insurance Certificate matches, observed in the order of awards, with the reading of the digit of the ten of the first prize of the Federal Lottery, plus the column formed by the digits of the simple unit of the first 5 (five) prizes of the same draw, read vertically from top to bottom, as exemplified:
For the purpose of verification, the Title in effect on the date of the draw will be considered, whose LUCKY NUMBER indicated on the Individual insurance Certificate matches, observed in the order of awards, with the reading of the digit of the ten of the first prize of the Federal Lottery, plus the column formed by the digits of the simple unit of the first 5 (five) prizes of the same draw, read vertically from top to bottom, as exemplified:
In the case of the combination for the drawing, determined as above, if it has not been distributed to a Customer
of this Promotion or is linked to a Customer that does not meet the conditions set forth in this
regulation, it will be disqualified and will not be entitled to the prize. To identify a new
winner, the following approximation rule will be applied: the participating customer who
has the next Lottery Number immediately following the Lottery Number effectively determined
will be the winner, and so on until a winning participant is identified, within the same series,
who meets all the conditions of the regulation.
If the combination for the draw, determined in the manner above, has not been distributed to a Client of this Promotion or is linked to a Client who does not meet the conditions set forth in these regulations, this will be disqualified and will not be entitled to the prize. To identify a new winner, the following rule of proximity will be applied: the participating customer who
has the next Winning Number immediately after the Winning Number effectively determined, and so on until a winning participant is identified, within the same series, who meets all the conditions of the regulations.
If the combination for the draw, determined in the manner above, has not been distributed to a Client of this Promotion or is linked to a Client who does not meet the conditions set forth in these regulations, this will be disqualified and will not be entitled to the prize. To identify a new winner, the following rule of proximity will be applied: the participating customer who
has the next Winning Number immediately after the Winning Number effectively determined, and so on until a winning participant is identified, within the same series, who meets all the conditions of the regulations.
AWARD
The chosen combination and the name of the winner, abbreviated in respect to LGPD, will be disclosed
at www.despezzas.com.br/pesquisa. The winner will be notified via email, phone
or letter and will only be entitled to the prize if the plan is active, and the payment of the plan is strictly
up to date and the promotion is active.
The selected combination and the name of the selected participant, abbreviated in accordance with LGPD, will be disclosed at www.despezzas.com.br/pesquisa. The participant will be notified via email, phone, or letter and will only be entitled to the prize if the plan is active, the plan payment is strictly up to date, and the promotion is ongoing.
The selected combination and the name of the selected participant, abbreviated in accordance with LGPD, will be disclosed at www.despezzas.com.br/pesquisa. The participant will be notified via email, phone, or letter and will only be entitled to the prize if the plan is active, the plan payment is strictly up to date, and the promotion is ongoing.
The award will be paid by CAPEMISA Capitalization S/A within a maximum period of 15 calendar days, counted
from the submission of the complete documentation and necessary information for the payment of the award:
The prize will be paid by CAPEMISA Capitalization S/A within a maximum period of 15 calendar days, counted from the submission of the complete documentation and necessary information for the payment of the prize:
The prize will be paid by CAPEMISA Capitalization S/A within a maximum period of 15 calendar days, counted from the submission of the complete documentation and necessary information for the payment of the prize:
a) individual: full name, CPF/MF number, complete home address, phone number with area code, and bank account details for payment via bank deposit;
b) legal entity: complete corporate name, CNPJ/MF number, address, phone number with area code, and bank account details belonging to the company for payment via bank deposit;
c) if necessary, other information/documents may be requested in accordance with and compliance with SUSEP regulations.
a) individual: full name, CPF/MF number, complete home address, phone number with area code, and bank account details for payment via bank deposit;
b) legal entity: complete corporate name, CNPJ/MF number, address, phone number with area code, and bank account details belonging to the company for payment via bank deposit;
c) if necessary, other information/documents may be requested in accordance with and compliance with SUSEP regulations.
Participation in the promotion implies automatic acceptance of the terms of this regulation, as well as in
authorization for the sharing of the winner's data with CAPEMISA Capitalização S/A,
specifically for the payment of the prize, which will be available to the Oversight Bodies
(SUSEP/Federal Revenue) for the legal period.
Participation in the promotion implies automatic acceptance of the terms of this regulation, as well as authorization for the sharing of the winner's data with CAPEMISA Capitalization S/A, specifically for the payment of the prize, which will be available to the Regulatory Authorities (SUSEP/Federal Revenue) for the legal period.
Participation in the promotion implies automatic acceptance of the terms of this regulation, as well as authorization for the sharing of the winner's data with CAPEMISA Capitalization S/A, specifically for the payment of the prize, which will be available to the Regulatory Authorities (SUSEP/Federal Revenue) for the legal period.
The personal data collected will be used solely and exclusively for the purpose of promotion in
compliance with and in respect to Law No. 13,709/2018 - General Law on the Protection of Personal Data (LGPD).
The personal data collected will be used solely and exclusively for the purpose of promotion in accordance with and in respect to Law No. 13.709/2018 - General Data Protection Law (LGPD).
The personal data collected will be used solely and exclusively for the purpose of promotion in accordance with and in respect to Law No. 13.709/2018 - General Data Protection Law (LGPD).
In the event that the beneficiary passes away, the prize will be delivered to the estate, in the person of the
executor and upon presentation of the Inventory Term. If there is no inventory process,
it will be delivered to the legal successors upon presentation of a judicial authorization, in accordance with the applicable
legislation.
In the event that the awarded party passes away, the prize will be delivered to the estate, in the person of their administrator, upon presentation of the Inventory Term. If there is no inventory process, it will be delivered to the legal heirs upon presentation of a court order, according to the applicable legislation.
In the event that the awarded party passes away, the prize will be delivered to the estate, in the person of their administrator, upon presentation of the Inventory Term. If there is no inventory process, it will be delivered to the legal heirs upon presentation of a court order, according to the applicable legislation.
The promoter is obliged to identify all participants assignees of the rights of any eventual titles
fully assigned, as well as the winning participants of the prizes from raffles.
The promoter is obligated to identify all participants who are assignees of the rights to any titles fully assigned, as well as the winning participants of the raffle prizes.
The promoter is obligated to identify all participants who are assignees of the rights to any titles fully assigned, as well as the winning participants of the raffle prizes.
Before hiring, please consult the General Terms available at www.susep.gov.br.
Before hiring, please consult the General Terms available at www.susep.gov.br.
By agreeing to the terms of the promotion, the winner may freely consent to the use of their name, image, and voice for a period of one year, starting from the draw, specifically for the promotion's advertising, in any type of media, at the promoter's discretion, without frequency restrictions and without this implying any kind of cost.
By agreeing to the terms of the promotion, the winner may freely consent to the use of their name, image, and voice for a period of one year, starting from the draw, specifically for the promotion's advertising, in any type of media, at the promoter's discretion, without frequency restrictions and without this implying any kind of cost.
The deadline for claiming the prize entitlement by the awarded party is that established by the legislation
in force. The amount not claimed within the statutory period will result in the loss of this right.
The deadline for claiming the prize by the awarded party is that established by the legislation in force. The amount not claimed within the statute of limitations will result in the loss of that right.
The deadline for claiming the prize by the awarded party is that established by the legislation in force. The amount not claimed within the statute of limitations will result in the loss of that right.
The sale of lottery bonds to individuals under 16 (sixteen) years of age is prohibited.
The sale of lottery bonds to individuals under 16 (sixteen) years of age is prohibited.
The promotion may be terminated at any time with a notice of 30 days in advance, in accordance with Circular SUSEP 656/2022.
The promotion may be terminated at any time with a notice given 30 days in advance, in accordance with SUSEP Circular 656/2022.
The promotion may be terminated at any time with a notice given 30 days in advance, in accordance with SUSEP Circular 656/2022.
SCOPE AND PERIOD OF THE PROMOTION
The Commercial Promotion has national coverage, starting on 10/07/2024 and lasting until 11/07/2024.
The Commercial Promotion has national coverage, starting on 10/07/2024 and lasting until 11/07/2024.
The Ombudsman of CAPEMISA Capitalization S/A will be available free of charge at the phone number 0800-707-4936, from Monday to Friday, from 8 a.m. to 5 p.m., as a higher decision-making instance, after service by other available channels at http://www.capemisa.com.br/a-capemisa/capemisa-capitalizacao/, including through the SAC 0800-940-1130, available 24 hours a day, seven days a week.
The Ombudsman of CAPEMISA Capitalization S/A will be available free of charge at the phone number 0800-707-4936, from Monday to Friday, from 8 a.m. to 5 p.m., as a higher decision-making instance, after service by other available channels at http://www.capemisa.com.br/a-capemisa/capemisa-capitalizacao/, including through the SAC 0800-940-1130, available 24 hours a day, seven days a week.