Mutual.Life is not an insurer and does not market insurance policies. The type of protection that the Mutual.Life technological platform offers is shared self-protection. Through the platform's technology, users can partner up and form mutual aid groups to protect each other from common risks pre-agreed on by group members. Not being insurance, Mutual.Life does not receive any premiums or pay damages. As an administrative fee, Mutual.Life charges only a fixed percentage on the amounts provisioned in the platform, eliminating any type of interest in the approval, or not, of indemnities. Nor does it interfere with the dynamics of the groups, which are sovereign in their decisions, either for the approval of new members or for the payment of financial aid to their participants. So, in spite of Mutual.Life eventually providing users with historical information, profiling and risk score analysis, fraud detection, or any other analytical activity, all their efforts are merely informative, aiming to provide the group with information to assist them in decision making. However, it is solely for the members of each group to decide whether or not to approve any of their demands, regardless of the information provided by the platform. It should also be noted that the group's decision always prevails over the individual choices of the participants and, if they do not agree with some choice of the group, they may choose to leave the group after participating in the apportions approved until the moment of the request. Upon exiting the group, its members can take with them the resources contributed and not committed in apportionments, minus the administrative fees.