Fundos de investimento e a adesão na contratação digital

Detalhes bibliográficos
Ano de defesa: 2019
Autor(a) principal: Silva, João Luiz Frossard Pestana da lattes
Orientador(a): Finkelstein, Maria Eugênia Reis
Banca de defesa: Não Informado pela instituição
Tipo de documento: Dissertação
Tipo de acesso: Acesso aberto
Idioma: por
Instituição de defesa: Pontifícia Universidade Católica de São Paulo
Programa de Pós-Graduação: Programa de Estudos Pós-Graduados em Direito
Departamento: Faculdade de Direito
País: Brasil
Palavras-chave em Português:
Fundos de investimento
Contratos eletrônicos
Documentos eletrônicos
Palavras-chave em Inglês:
Investment funds
Electronic contracts
Electronic documents
Área do conhecimento CNPq:
CNPQ::CIENCIAS SOCIAIS APLICADAS::DIREITO
Link de acesso: https://tede2.pucsp.br/handle/handle/22920
Resumo: When a client invests for the first time in a mutual fund, she must sign the document of adhesion and risk awareness. Considering this, the present investigation aimed to verify whether such a document is a valid instrument of proof in court even when it was electronically signed in divergence to the standard set by the ICP-BR rules. It was found that such a signature would be effective in proving the investor's identity if this way of identification has been previously agreed between the parties. This agreement could be tacit if the investor uses that signature continually to identify himself. Besides that, a technical expert could also demonstrate the veracity of the signature and the integrity of the document. Such a document is effective proof in court. Another aspect investigated regards the fact that the mutual fund administrator provides the bylaws and other information concerning the investment characteristics and risks so that the client could read it. It was found that just providing information for reading does not meet the law when dealing with retail investors. Consumer law protects these investors and requires that the mutual fund administrator take a proactive approach to educate them regarding the investment characteristics and risks
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spelling Finkelstein, Maria Eugênia Reishttp://buscatextual.cnpq.br/buscatextual/visualizacv.do?id=K8610346A0Silva, João Luiz Frossard Pestana da2020-02-11T13:06:27Z2019-12-19Silva, João Luiz Frossard Pestana da. Fundos de investimento e a adesão na contratação digital. 2019. 162 f. Dissertação (Mestrado em Direito) - Programa de Estudos Pós-Graduados em Direito, Pontifícia Universidade Católica de São Paulo, São Paulo, 2019.https://tede2.pucsp.br/handle/handle/22920When a client invests for the first time in a mutual fund, she must sign the document of adhesion and risk awareness. Considering this, the present investigation aimed to verify whether such a document is a valid instrument of proof in court even when it was electronically signed in divergence to the standard set by the ICP-BR rules. It was found that such a signature would be effective in proving the investor's identity if this way of identification has been previously agreed between the parties. This agreement could be tacit if the investor uses that signature continually to identify himself. Besides that, a technical expert could also demonstrate the veracity of the signature and the integrity of the document. Such a document is effective proof in court. Another aspect investigated regards the fact that the mutual fund administrator provides the bylaws and other information concerning the investment characteristics and risks so that the client could read it. It was found that just providing information for reading does not meet the law when dealing with retail investors. Consumer law protects these investors and requires that the mutual fund administrator take a proactive approach to educate them regarding the investment characteristics and risksQuando um cliente aplica pela primeira vez em um fundo de investimento, deve assinar o Termo de Adesão e Ciência de Riscos. Considerando isso, a presente investigação teve como objetivo verificar se esse documento é um instrumento válido como prova judicial, mesmo quando assinado eletronicamente fora do padrão estabelecido pelas normas da ICP-BR. Verificou-se que essa assinatura seria eficaz para provar a identidade do investidor caso esse meio de identificação tivesse sido previamente acordado entre as partes. Esse acordo pode ser tácito, caso o investidor utilize essa assinatura normalmente para se identificar. Além disso, um perito técnico também pode demonstrar a veracidade da assinatura e a integridade do documento. Esse documento é uma prova efetiva em tribunal. Outro aspecto investigado diz respeito ao fato de o administrador do fundo mútuo fornecer o regulamento e outras informações sobre as características e riscos do investimento para que o cliente possa lê-los. Verificou-se que apenas fornecer informações para leitura não atende à lei ao lidar com investidores de varejo. A lei consumerista protege esses investidores e exige que o administrador do fundo de investimento adote uma abordagem proativa para educá-los sobre as características e riscos do investimentoapplication/pdfhttp://tede2.pucsp.br/tede/retrieve/51374/Jo%c3%a3o%20Luiz%20Frossard%20Pestana%20da%20Silva.pdf.jpgporPontifícia Universidade Católica de São PauloPrograma de Estudos Pós-Graduados em DireitoPUC-SPBrasilFaculdade de DireitoFundos de investimentoContratos eletrônicosDocumentos eletrônicosInvestment fundsElectronic contractsElectronic documentsCNPQ::CIENCIAS SOCIAIS APLICADAS::DIREITOFundos de investimento e a adesão na contratação digitalinfo:eu-repo/semantics/publishedVersioninfo:eu-repo/semantics/masterThesisinfo:eu-repo/semantics/openAccessreponame:Repositório Institucional da PUC_SPinstname:Pontifícia Universidade Católica de São Paulo (PUC-SP)instacron:PUC_SPTEXTJoão Luiz Frossard Pestana da Silva.pdf.txtJoão Luiz Frossard Pestana da Silva.pdf.txtExtracted texttext/plain374857https://repositorio.pucsp.br/xmlui/bitstream/handle/22920/4/Jo%c3%a3o%20Luiz%20Frossard%20Pestana%20da%20Silva.pdf.txtf47d7e74f6e74412a9f8497b10ea4ba0MD54LICENSElicense.txtlicense.txttext/plain; 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dc.title.por.fl_str_mv Fundos de investimento e a adesão na contratação digital
title Fundos de investimento e a adesão na contratação digital
spellingShingle Fundos de investimento e a adesão na contratação digital
Silva, João Luiz Frossard Pestana da
Fundos de investimento
Contratos eletrônicos
Documentos eletrônicos
Investment funds
Electronic contracts
Electronic documents
CNPQ::CIENCIAS SOCIAIS APLICADAS::DIREITO
title_short Fundos de investimento e a adesão na contratação digital
title_full Fundos de investimento e a adesão na contratação digital
title_fullStr Fundos de investimento e a adesão na contratação digital
title_full_unstemmed Fundos de investimento e a adesão na contratação digital
title_sort Fundos de investimento e a adesão na contratação digital
author Silva, João Luiz Frossard Pestana da
author_facet Silva, João Luiz Frossard Pestana da
author_role author
dc.contributor.advisor1.fl_str_mv Finkelstein, Maria Eugênia Reis
dc.contributor.authorLattes.fl_str_mv http://buscatextual.cnpq.br/buscatextual/visualizacv.do?id=K8610346A0
dc.contributor.author.fl_str_mv Silva, João Luiz Frossard Pestana da
contributor_str_mv Finkelstein, Maria Eugênia Reis
dc.subject.por.fl_str_mv Fundos de investimento
Contratos eletrônicos
Documentos eletrônicos
topic Fundos de investimento
Contratos eletrônicos
Documentos eletrônicos
Investment funds
Electronic contracts
Electronic documents
CNPQ::CIENCIAS SOCIAIS APLICADAS::DIREITO
dc.subject.eng.fl_str_mv Investment funds
Electronic contracts
Electronic documents
dc.subject.cnpq.fl_str_mv CNPQ::CIENCIAS SOCIAIS APLICADAS::DIREITO
description When a client invests for the first time in a mutual fund, she must sign the document of adhesion and risk awareness. Considering this, the present investigation aimed to verify whether such a document is a valid instrument of proof in court even when it was electronically signed in divergence to the standard set by the ICP-BR rules. It was found that such a signature would be effective in proving the investor's identity if this way of identification has been previously agreed between the parties. This agreement could be tacit if the investor uses that signature continually to identify himself. Besides that, a technical expert could also demonstrate the veracity of the signature and the integrity of the document. Such a document is effective proof in court. Another aspect investigated regards the fact that the mutual fund administrator provides the bylaws and other information concerning the investment characteristics and risks so that the client could read it. It was found that just providing information for reading does not meet the law when dealing with retail investors. Consumer law protects these investors and requires that the mutual fund administrator take a proactive approach to educate them regarding the investment characteristics and risks
publishDate 2019
dc.date.issued.fl_str_mv 2019-12-19
dc.date.accessioned.fl_str_mv 2020-02-11T13:06:27Z
dc.type.status.fl_str_mv info:eu-repo/semantics/publishedVersion
dc.type.driver.fl_str_mv info:eu-repo/semantics/masterThesis
format masterThesis
status_str publishedVersion
dc.identifier.citation.fl_str_mv Silva, João Luiz Frossard Pestana da. Fundos de investimento e a adesão na contratação digital. 2019. 162 f. Dissertação (Mestrado em Direito) - Programa de Estudos Pós-Graduados em Direito, Pontifícia Universidade Católica de São Paulo, São Paulo, 2019.
dc.identifier.uri.fl_str_mv https://tede2.pucsp.br/handle/handle/22920
identifier_str_mv Silva, João Luiz Frossard Pestana da. Fundos de investimento e a adesão na contratação digital. 2019. 162 f. Dissertação (Mestrado em Direito) - Programa de Estudos Pós-Graduados em Direito, Pontifícia Universidade Católica de São Paulo, São Paulo, 2019.
url https://tede2.pucsp.br/handle/handle/22920
dc.language.iso.fl_str_mv por
language por
dc.rights.driver.fl_str_mv info:eu-repo/semantics/openAccess
eu_rights_str_mv openAccess
dc.format.none.fl_str_mv application/pdf
dc.publisher.none.fl_str_mv Pontifícia Universidade Católica de São Paulo
dc.publisher.program.fl_str_mv Programa de Estudos Pós-Graduados em Direito
dc.publisher.initials.fl_str_mv PUC-SP
dc.publisher.country.fl_str_mv Brasil
dc.publisher.department.fl_str_mv Faculdade de Direito
publisher.none.fl_str_mv Pontifícia Universidade Católica de São Paulo
dc.source.none.fl_str_mv reponame:Repositório Institucional da PUC_SP
instname:Pontifícia Universidade Católica de São Paulo (PUC-SP)
instacron:PUC_SP
instname_str Pontifícia Universidade Católica de São Paulo (PUC-SP)
instacron_str PUC_SP
institution PUC_SP
reponame_str Repositório Institucional da PUC_SP
collection Repositório Institucional da PUC_SP
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