Privacy Policy

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

Firstly, 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 related products and services as we publish our informative content. Additionally, this promotion may be indirect, through our banners, featuring advertisements for products and services that best suit your needs and preferences, not necessarily related to our main topic, as explained later.

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

We also aim to clarify how your data is handled by companies within our group. To achieve 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, not only to promote our services, products, and publications but also those of third parties.

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

To start, let’s address a common question:

What are data? What data are we talking about?

Answering this question is crucial, 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 directly identifies you or, when used in combination with other information, can identify you. It’s essential 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: refers to information that does not allow your identification, such as which pages of the site were visited, when they were visited, which hyperlinks were clicked, which content or services were requested or indicated, among other data that cannot provide personal information, i.e., 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 the Personal Data Owner. 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 will, authorization, and the use you make of our websites and tools.

We will explain how we can access your data:

Data provided by you: These are the data provided when you register and/or fill out forms to access free content on our websites and platforms (e-books, quizzes, etc.) or to participate in the personnel selection process. Examples include 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 law and respecting your privacy rights. Other websites, such as Facebook, Google, and Instagram, may provide us with some data, provided you have previously authorized them, so that we can enhance your experience by offering you 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, by themselves, cannot be considered personal data, so 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 unit identifier, advertising identifier, name, and type of operating system), and information about your internet connection, among others.

Why do we use your data?

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

To achieve this goal, we conduct the best research to provide you with valuable content that clarifies all your doubts regarding financial education.

But if the content is free, how is the site remunerated? It’s simple, let’s go…

The generation of revenue, both for website maintenance and to cover our investments in technology, primarily consists of displaying advertisements to you. These ads are mainly related to products or services related to consignment loans or other items you have expressed interest in. Targeted advertising based on data is not only necessary and legitimate but also efficient, allowing you access to relevant ads tailored to your profile, as well as continuous access to website content, which relies on revenue to sustain itself.

It’s 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, such as whether you clicked on the ad, indicating interest in that offered product or service. We do not have access to this information and are not responsible for the data and information collected by third-party companies, as this procedure is beyond our control.

We do not 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 platform features can be used without creating a prior account or providing any personal data. However, for registration in a course promoted on our website or for the request of a product and/or service, initial registration may be necessary, requiring the presentation of some personal data, such as your name and email.

How do we use your data?

We use your data to:

Accurately and correctly identify you, ensuring your greater security and protection, and avoiding potential fraud; Provide our products, services, and those of third parties, based on the analysis of your profile. This aims to recommend the best products and information according to your real needs and circumstances, enhancing and customizing your experience on our website; Improve our communication with you by sending emails for you to access our content and offers; and For studies and improvement of our data processing technologies, such as user profile formation, making these data unidentifiable.

It’s important to note that we do not sell your personal data.

Regarding third-party companies or partners, we generally only share non-personal data, such as behavioral data. Personal data will be shared for the purpose of recommending products and services that best suit your needs and/or providing products and/or services requested by you, provided there is interest. Our partners are only authorized to use personal data for specific purposes for which they were hired, so they will not and are not authorized to use your personal data for purposes other than providing the contracted services. Therefore, any companies accessing 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 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, competent authority determination, or court decision.

We reserve the right to assist or cooperate with any judicial authority or government agency and may share Users’ Personal