Privacy Policy

Welcome to our Privacy Policy! Here we will explain who we are, how we handle your information, and the protection measures we take to ensure the greatest possible security in our relationship.

First, who are we?

We are an informative platform dedicated to sharing valuable financial information with you in an accessible, clear, and efficient way. Our goal is to help you understand and choose financial products and services that best meet your needs and preferences. We also promote related products and services as we publish our informative content. Furthermore, this promotion may be indirect, through our banners, displaying ads for products and services that best fit your reality, not necessarily related to our main subject, according to your other needs and preferences, which we will explain later.

Our objective is to promote knowledge in the best way for you. Therefore, it is important that you are fully aware that we protect your information when browsing our website, just as we protect ours, and we always respect your privacy.

We also aim to clarify how your data is processed by the companies in our group. For this, we present our Privacy Policy, which complies with international and national data protection standards.

This Policy explains how your personal data will be used on our website, to promote not only our services, products and publications, but also those of third parties.

It is important to note that these guidelines do not apply to websites or other related services over which we have no control and, therefore, there are no responsibilities in the relationships established between you and third-party products and services that may be recommended to you.

To begin, let’s answer a very common question:

What is data? What data are we talking about?

Answering this question is very important, so let us explain some words or terms that will be used from now on:

Personal Data: means any information provided and/or collected on our site and/or its affiliates, by any means, even if public, that identifies you directly, or that, when used in combination with other information, is capable of identifying you. It is important to remember that your Personal Data can be in any media or format, including electronic or computerized records, as well as paper-based files.
Non-Personal Data: are those that do not allow your identification, such as which pages of the site were visited by the user, when they were visited, which hyperlinks were clicked, which contents or services were requested or indicated, among other data that are not capable of providing personal information, that is, do not allow your identification.
User: any natural or legal person who accesses or uses, through any means, including mobile devices, cell phones, tablets, personal computers, internet browsers and other means of access that may be developed.

The user of a website is also known as Personal Data Subject. In this “Policy” you may also be referred to as a user.

How can we access your data?

The amount and type of information collected may vary according to your wishes, authorization, as well as the use you make of our websites and our tools.

Let us explain how we can access your data:

Data provided by you: are the data provided when you register and/or fill out forms, to have access to free content on our websites and platforms (e-books, quizzes and similar) or to participate in the personnel selection process. For example, data such as email, full name, phone number, address and date of birth.
Third-party data: we may also collect data about you from publicly available sources, service providers and partners who provide us with your data in accordance with applicable legislation and respecting your privacy rights. Other websites, such as Facebook, Google and Instagram, may provide us with some data, as long as you have previously authorized them, so that we can improve your experience, providing you with the best products and services.
Browsing data: are the data we obtain even when you do not fill out forms or do not request free content. Browsing data, by itself, cannot be considered personal data, therefore, they are non-personal data that indicate, for example, which pages of the site were visited, when they were visited, which hyperlinks you clicked, which content or services were requested or indicated by you, your approximate location (latitude and longitude); your IP address; your access device information (such as unit identifier, advertising identifier, name and type of operating system); and your internet connection information among others.

Why do we use your data?

We seek to provide information and knowledge to users about finance and personal credit.

To achieve this objective, we develop the best research to provide you with valuable content, capable of clarifying all your doubts regarding financial education.

But if content is provided for free, how is the site monetized?

It’s simple, let’s go…

Revenue generation both for website maintenance and to finance our technology investments consists primarily of displaying advertisements to you, mainly related to products or services related to personal loans or other items you have already shown interest in.
Targeted advertising based on data is not only necessary and legitimate, but efficient by allowing you to access relevant ads suitable to your profile, as well as constant access to website content, which requires revenue to maintain itself.
It is important to clarify that we use services from other companies to display ads on our site. These ads may contain Cookies and/or Web Beacons to collect data during the display process itself, such as whether you clicked on the ad, showing interest in that product or service offered. We do not have access to this information and also do not take responsibility for data and information collected by third-party companies, since this procedure is not under our control.
We display ads served by the Google AdSense network. Google uses cookies to display ads on sites that publish them. The DART Cookie allows ads to be displayed according to your preferences and browsing habits.
Some of the platform’s functionalities can be used without you needing to create a prior registration, inform or present any type of personal data, however, for registration in some course promoted on our website, or even the request for some product and/or service, it may be necessary to carry out the initial registration with the presentation of some personal data, such as your name and email.

How do we use your data?

We use your data to:

Make your accurate and correct identification, thus ensuring your greater security and protection, avoiding possible fraud;
Provide our products, services and also third parties, based on the analysis of your profile. With this we aim to indicate the best products and information according to your real need and reality, improving and personalizing your experience on our website;
Improve our communication with you, sending you emails so you have access to our content and our offers; and
For studies and improvement of our data processing technologies, such as the formation of user profiles, making this data non-identifiable.

It is important that you know that we do not sell your personal data.

In relation to third-party companies, or partners, as a rule, we only share non-personal data, such as behavioral data. Personal data will be shared for the purpose of indicating products and services that best suit your needs and/or to provide products and/or services requested by you, as long as you are interested. Our partners are only authorized to use personal data for the specific purposes for which they were contracted, therefore, they will not, and are not authorized, to use your personal data for other purposes, in addition to providing the services contractually provided. Thus, any companies that have access to your personal data must treat them consistently and according to the purposes for which they were collected (or with which you previously consented), as well as according to what was determined by this Privacy Policy and all applicable privacy and data protection laws.

For administrative purposes such as: research, planning, service development, security and risk management; and

When necessary due to legal obligation, determination of competent authority, or judicial decision.

We reserve the right to assist or cooperate with any judicial authority or governmental body and may share Users’ Personal Data, in order to establish or exercise our legal rights or protect our properties or when we consider that our assistance or cooperation are necessary, to enforce or apply other agreements and/or contracts; or protect the rights, property or security, as well as our employees and/or other users.

When complying with an administrative request, we may provide information to the requester of the information, provided that authorized by you, as determined in the General Terms and Conditions of Use.

What are your rights and how can you contact us?

It is very important that you, the data holder, know that you have the right not only to obtain, but to control, at any time, upon request:

confirmation of the existence of processing of your data;
access to data;
correction of incomplete, inaccurate or outdated data;
anonymization, blocking or elimination of unnecessary, excessive or processed data in non-compliance with the provisions of the General Data Protection Law (GDPR);
portability of data to another service or product provider. In this case, your express request is required, in accordance with the regulation of the national authority to be created, observing commercial and industrial secrets;
elimination of personal data processed with your consent, except in the cases provided for in the GDPR;
information, if any, of public and private entities with which we share data;
information about the possibility of not providing your consent and about the consequences of this refusal, in addition to those already mentioned in this Policy;

In addition…

You may, at any time, change the acceptance or not of Cookies in your browser configuration, noting that by disabling browsing Cookies, some functionalities may be impaired and your experience may be compromised; and
You may also choose to disable the DART Cookie on the page that contains the privacy policy of Google’s advertising and content network. If you do not agree with Google’s Cookies and want to disable them, just access the official page, to control how Google uses Cookies collected in its advertising network.

If you are interested in resolving your doubts, solving any requests, presenting complaints or having other information about products and/or services made available on the platform, you may contact us through online chat or by sending an email to: [email protected].

In addition, you should also use this service if you have any questions related to our relationship with your Personal Data or understand that your information was used in a manner incompatible with this Policy or with your choices as a data holder.

How do we protect your data?

We adopt practices and technologies that are constantly reviewed and improved, according to technical and regulatory advances, national and foreign.

All our measures to preserve your data against unauthorized access, use, alteration, disclosure or destruction include physical and logical data protection, encrypted communications, access control, adherence to secure software development, internal compliance policies, accountability measures and risk mitigation that allow security in the data lifecycle. In addition, your data is stored in secure, renowned and internationally recognized databases, such as GoogleCloud.

Even so, we cannot guarantee that our services and those of other components of the business group, as well as the security of the databases used are completely inviolable. But don’t worry, in addition to adopting the best existing information security practices, in the event of an incident that compromises the security of your data, we will adopt quick measures to inform you and reverse such situation.

IMPORTANT INFORMATION! READ CAREFULLY!

By accessing and/or using the site, you are aware, declare and agree that:

You are at least 18 (eighteen) years old and have full and express capacity to accept the terms and conditions of this Privacy Policy for all legal purposes. If you do not fit the description above and/or do not agree, even in part, with the Terms and Conditions contained in this Privacy Policy, you will not access and/or use our sites and/or services;
Follows international security standards and norms for data storage, protection, privacy and transmission, highlighting that no method of storage, protection, privacy and transmission of data is 100% secure and inviolable,
We do not send emails to your users requesting payments, or confirmation of personal data;
We may conduct research within your history to obtain greater and better information about your profile and thus, indicate personalized products and services according to your preferences and needs; and
We may invite you to participate in satisfaction surveys, where you will be sent messages with necessary guidance and the data collected will be used to administer the survey, with the objective of seeking improvements in the system and in the products, content and services offered by us and by partner companies.

If you contact us to report a problem, a question or to get support with us, you are aware and agree that we collect and store information from this contact, as well as the respective messages and other data necessary to investigate the problem or question and that this data will be used to solve any questions based on the information collected, resolve doubts, correct problems and improve the system, improving your experience on our site.

The world is always changing and evolving, so we reserve the right to review and change our Policy from time to time. Therefore it is important that you return to this page, periodically, to ensure that you are familiar with the most current version, that you are aware and agree with all the information we collect and also with the way we treat your data.

If you do not return to this page, we will assume that you are aware and agree with everything stated in this Policy and its updates.

The date of the last update is: 01/11/2021