Privacy Policy

Welcome to our Privacy Policy! Here, we will explain who we are, how we handle your information, and the protective measures we’ve implemented to ensure the highest level of security for our relationship.

First, who are we? 

We are an informative portal with the goal of sharing financial information in a simple, accessible, clear, and efficient manner. We may also promote products and services related to finance as we publish our informative content. Furthermore, this promotion may be indirect, through our banners, featuring advertisements for products and services that best align with your circumstances, not necessarily related to our main subject, according to your other needs and preferences, which we will explain further.

Our objective is to promote knowledge in the best way for you. Therefore, it’s important for you to be fully aware that we protect your information while browsing our website, just as we protect our own, while always respecting your privacy.

We also aim to clarify how your data is handled by companies within our group. For this purpose, we present our Privacy Policy, which is in compliance 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’s important to emphasize 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 the third-party products and services that may be recommended to you.

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

What are data? What kind of data are we talking about?

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

• Personal Data: It refers to any information provided and/or collected on our website and/or its affiliates, through any means, even if publicly available, that directly identify you, or when used in combination with other information, can identify you. It’s important to note that your Personal Data can exist in any media or format, including electronic or computerized records, as well as paper-based files.
• Non-Personal Data: These are data that do not allow your identification, such as which pages of the website were visited by the user, when they were visited, which hyperlinks were clicked, which content or services were requested or indicated, among other data that are not capable of providing personal information, in other words, they do not allow your identification.
• User: Any individual or legal entity that 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 in the future.

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

How can we access your data?

The quantity and type of information collected may vary according to your willingness, authorization, as well as the usage you make of our websites and tools.

We will explain how we can access your data:

• Data provided by you: These are the data you provide when you register and/or fill out forms to access free content on our websites and platforms (e-books, quizzes, and similar) or to participate in the personnel selection process. Examples include 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 laws and respecting your privacy rights. Other websites, such as Facebook, Google, and Instagram, may provide us with certain data if you have previously authorized them, so that we can enhance your experience by providing you with the best products and services.
• Browsing data: These are the data we obtain even when you do not fill out a form or request free content. Browsing data, on their own, 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; information about your access device (such as device identifier, advertising identifier, name and type of operating system); and information about your internet connection, among others.

Why do we use your data?

Why do we use your data? To achieve this goal, we conduct thorough research to provide you with valuable content that can address all your doubts regarding financial education.

But if content provision is free, how is the website monetized?

It’s simple, here’s how it works…

• The generation of revenue for both maintaining the website and funding our technology investments primarily involves displaying advertisements to you. These ads are primarily related to products or services related to consignment or other items you have shown interest in.
• Targeted advertising based on data is not only necessary and legitimate but also efficient as it allows you to access relevant and appropriate ads based on your profile, while also providing continued access to website content, which requires revenue to sustain itself.
• It’s important to clarify that we utilize services from other companies to display ads on our site. These ads may use Cookies and/or Web Beacons to collect data during the ad display process, such as whether you clicked on the ad and showed interest in the offered product or service. We do not have access to this information and are also not responsible for data and information collected by third-party companies, as this process is beyond our control.
• We do not display ads served by the Google Adsense network. Google uses cookies to display ads on websites that publish them. The DART Cookie allows ads to be displayed according to your preferences and browsing habits.
• Some platform functionalities can be used without requiring prior registration, providing any personal data, or revealing any type of personal information. However, for registering in a course promoted on our website or requesting a product and/or service, an initial registration with the presentation of some personal data, such as your name and email, may be required.

How do we use your data?

We use your data for:

• Ensure accurate and correct identification: This is done to provide you with enhanced security and protection, preventing potential fraud.
• Provide products and services: We utilize your data, including the analysis of your profile, to offer not only our products and services but also those from third parties. This allows us to recommend the best products and information based on your actual needs and circumstances, enhancing and personalizing your experience on our website.
• Improve communication: We send you emails to grant you access to our content and offers, aiming to enhance our communication with you.
• Conduct studies and enhance data processing technologies: We utilize your data for the improvement and refinement of our data processing technologies, such as creating user profiles, with the objective of making this data non-identifiable.

Please note that all these uses are in accordance with applicable data protection regulations and prioritize your privacy and security.

Regarding third-party companies or partners, as a general rule, we typically share non-personal data, such as behavioral data. Personal data will be shared for the purpose of recommending products and services that align with your needs and/or to provide requested products and services, provided there is your interest. Our partners are only authorized to use personal data for the specific purposes for which they were contracted, so they will not and are not authorized to use your personal data for other purposes beyond the provision of services as contractually agreed upon. Therefore, any companies that have access to your personal data must treat them consistently and in accordance with the purposes for which they were collected (or with your prior consent), as well as in accordance with what is determined by this Privacy Policy and all applicable privacy and data protection laws.

Sharing may occur for administrative purposes such as research, planning, service development, security, risk management, and when required by legal obligations, orders from competent authorities, or court decisions.

We reserve the right to assist or cooperate with any judicial authority or government agency and may share Users’ Personal Data in order to establish or exercise legal rights or protect our property, or when it deems assistance or cooperation to be necessary to enforce or apply other agreements and/or contracts; or to protect rights, property, safety, as well as our employees and/or other users.

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

What are your rights and how can you get in touch with us?

It’s crucial for you, the data subject, to know that you have the right not only to obtain but also to control, at any time, upon request: 

• the confirmation of the existence of data processing;
• access to the data;
• correction of incomplete, inaccurate, or outdated data;
• anonymization, blocking, or deletion of unnecessary, excessive, or data processed in violation of the General Data Protection Law (LGPD);
• data portability to another service or product provider. In this case, your explicit request is required, in accordance with the regulations of the national authority to be created, while respecting trade secrets and industrial secrets;
• deletion of personal data processed with your consent, except in cases provided for by the LGPD;
• information, if applicable, about public and private entities with which we share data;
• information about the possibility of not giving consent and the consequences of such refusal, beyond those already mentioned in this Policy;

If you have any questions, concerns, or wish to exercise any of your rights, you can contact us through the contact details provided in our Privacy Policy or on our website. We are here to assist you and ensure your data rights are respected.

Furthermore…

You can change your acceptance of Cookies at any time by configuring your browser. Please note that disabling navigation Cookies may impair some functionalities and compromise your experience.

You can change your acceptance of Cookies at any time by configuring your browser. Please note that disabling navigation Cookies may impair some functionalities and compromise your experience.

If you’re interested in resolving your questions, addressing any requests, filing complaints, requesting the removal of your stored data, or obtaining other information about products and/or services provided on the platform, you can get in touch with us through the online chat or by sending an email to: [email protected]

Additionally, you should also use this service if you have any doubts related to our relationship with your Personal Data or if you believe that your information has been used in a manner incompatible with this Policy or your choices as a data subject.

How do we protect your data?

We employ practices and technologies that are under constant review and improvement, in line with technical and regulatory advancements, both nationally and internationally.

All of our measures to preserve your data against unauthorized access, use, alteration, disclosure, or destruction include physical and logical data protection, encrypted communications, access controls, adherence to secure software development, internal compliance policies, accountability measures, and risk mitigation that ensure security throughout the data lifecycle. Additionally, your data is stored in secure, reputable, and internationally recognized databases such as Google Cloud.

However, 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 invulnerable. But don’t worry, besides adopting the best existing information security practices, in the event of an incident that compromises the security of your data, we will take swift action to inform you and rectify the situation.

IMPORTANT INFORMATION! PLEASE READ CAREFULLY!

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

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

If you contact us to report a problem, question, or seek support, you are aware and agree that we collect and store the information from this contact, as well as the respective messages and other necessary data for investigating the problem or question. These data will be used to resolve any queries based on the collected information, address doubts, correct issues, and enhance the system, improving your experience on our website.

The world is constantly changing and evolving, so we reserve the right to review and change our Policy from time to time. Therefore, it’s important that you revisit this page periodically to ensure you are familiar with the most current version and that you are aware of and agree with all the information we collect and how we handle your data.

If you do not revisit this page, we will assume that you are aware of and agree with everything outlined in this Policy and its updates.

Last update: 09/09/2023