"[...] the legal entity that takes out insurance seeking to protect its own assets shall be end user of insurance services, thus calling for the application in its favor of the rules provided for in the Consumer Code." Based on such rationale the Brazilian Superior Court of Justice (STJ), which is charged with determining how federal laws must be construed by all other courts across the country, held void an exclusionary clause provided for by the insurance policy available on the insurer's website. 


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