Privacy Policy

Effective as of: April 15, 2024

This Privacy Policy of CreditTips, developed by 3APPS SOLUTIONS AND ADVISORY LTDA (“3APPS”, “we”, “us”, or “our”), explains how your information is collected, used, and shared when you use our website, mobile application, and related services (collectively, the “Service”). This document also describes your rights and choices regarding the use, access, correction, and deletion of your information. By using the Service, you agree to the collection and use of information in accordance with this Policy.

Disclaimer: No Guarantee of Accuracy

CreditTips does not guarantee the accuracy of, and disclaims all liability for, any errors or inaccuracies in the information, content, recommendations, and materials made available through the Service. When evaluating offers, please review the financial institution’s terms and conditions.

Informational Nature of the Services

The content and information provided through the Service are for informational, educational, and entertainment purposes only. They do not constitute legal, financial, or tax advice. CreditTips is not a financial institution and does not provide financial products or services directly.

1. Data Collected

1.1 Personal Data

We do not collect or store personal data such as names, email addresses, or identification numbers.

1.2 Usage Data

We may collect anonymized Usage Data to improve the performance and experience of our Service. This data may include IP address, browser type and version, pages visited, time and date of visit, time spent on pages, device identifiers, diagnostic data, and interactions with advertisements or content displayed.

2. How We Use the Data

We may use anonymized data for the following purposes: to operate, maintain, and improve our Service; to provide user support and troubleshooting; to monitor usage and detect technical issues; to analyze aggregated user behavior and optimize performance; and to ensure compliance with legal obligations.

3. Data Retention

We retain anonymized data only for as long as necessary for internal analysis, improving the Service, and complying with applicable legal obligations. Data that is no longer required will be securely deleted or anonymized.

4. Access to Data

The Service is operated by 3APPS in Brazil, but anonymized data may be processed on servers located in other countries. Regardless of location, we comply with international data protection standards. We may share anonymized data with third-party service providers who assist us in operating the Service or analyzing its use. These providers are contractually bound to maintain confidentiality and use the data only for the purposes specified by 3APPS.

5. Data Security

We apply technical and organizational measures to protect data against unauthorized access, alteration, disclosure, or destruction. However, no system is completely secure, and 3APPS cannot guarantee absolute security against malicious actions or unauthorized access by third parties.

6. Privacy and Personal Data Protection

3APPS does not collect or store personal data from users. All collected data is anonymous and used exclusively for analytical or operational purposes.

7. Cookies and Third-Party Advertising

7.1 Use of Cookies

The Service uses cookies and similar technologies to improve user experience, analyze performance, and display relevant advertisements. Cookies are small text files stored on your device.

7.2 Third-Party Advertising

We use third-party ad networks such as Google AdSense, Google Ad Manager, and AdMob to display personalized ads. These partners may use cookies, identifiers, and other tracking technologies to tailor advertising content based on your interactions with the Service and other websites.

7.3 Opt-Out Options

You can manage or opt out of personalized advertising at any time through the following links:

• Google Ads Settings
• Google Ad Personalization Opt-Out
• Network Advertising Initiative Opt-Out
• Your Online Choices (EU)
  You can also configure your browser to block or delete cookies. However, some features of the Service may not function properly if cookies are disabled.

7.4 Consent Banner

Upon first access, users will see a cookie consent banner allowing them to: accept all cookies, reject non-essential cookies, or customize cookie preferences. The Service will only use non-essential cookies (such as advertising or analytics) after explicit user consent.

8. Your Rights and Consent

In accordance with applicable data protection laws, including the LGPD (Brazil), GDPR (EU), and CCPA (US) where applicable, you have the right to request access to or deletion of your data, request correction of inaccurate information, withdraw consent for the use of cookies or advertising personalization, and file a complaint with a data protection authority. You may exercise these rights by contacting us at [email protected]. By using our Service, you consent to the collection and processing of data as described in this Privacy Policy and the display of advertisements based on your preferences.

9. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Any changes will be effective immediately upon posting. The “Effective as of” date at the top of this document indicates the most recent revision. Continued use of the Service after updates constitutes your acceptance of the revised Policy.