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Privacy Policy

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Effective as of: April 15, 2024

Introduction
This Privacy Policy of CreditTips, developed by 3APPS SOLUTIONS AND ADVISORY LTDA (“3APPS”, “we”, “us”, or “our”), outlines how your personally identifiable information and other information about you (your “user information”) will be collected, used, and shared by 3APPS, as well as disclose your rights and obligations regarding the use of our Service.

This Privacy Policy also describes your choices and rights regarding the use, access to, and correction or deletion of your user information.

Disclaimer: NO GUARANTEE OF ACCURACY
CREDITTIPS DOES NOT GUARANTEE THE ACCURACY OF, AND DISCLAIMS ALL LIABILITY FOR, ANY ERRORS OR OTHER INACCURACIES IN THE INFORMATION, CONTENT, RECOMMENDATIONS, AND MATERIALS MADE AVAILABLE THROUGH THE SERVICES. WHEN EVALUATING OFFERS, PLEASE REVIEW THE FINANCIAL INSTITUTION’S TERMS AND CONDITIONS.

Services provided for informational purposes
The information provided through the services is provided solely for informational, educational, or entertainment purposes and does not constitute legal, financial, tax planning, or other advice. CREDIT TIPS IS NOT A FINANCIAL INSTITUTION.

1. DATA COLLECTED

1.1 We do not collect or store any personal data.

1.2 We collect several different types of information for various purposes in order to provide and improve our Service to you:

  • Usage Data: We may collect anonymized information that your browser sends whenever you visit our Service or when you access the Service by or through a mobile device (“Usage Data”). This Usage Data may include information such as your computer’s Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Service that you visit, the time and date of your visit, the time spent on those pages, device identifiers, and other diagnostic data.

2. HOW DO WE USE THE DATA?

2.1 3APPS uses Usage Data for the following purposes:

  • To provide and maintain our Service;
  • To provide User support;
  • To gather analysis or valuable information so that we can improve our Service;
  • To monitor the use of our Service;
  • To detect, prevent and resolve technical problems;
  • To conduct business analysis and build the experience journey of current and potential Users;

3. HOW LONG WILL WE KEEP THE DATA?

3.1 3APPS will only retain Usage Data for internal analysis purposes, as well as to comply with our legal obligations.

4. WHO HAS ACCESS TO THE DATA?

4.1 CreditTips is controlled, operated, and administered by 3APPS from its offices within Brazil. Stored usage data may be transferred to – and maintained on – computers located outside of your state jurisdiction where data protection laws may differ from those of your jurisdiction, however, we will respect all Mexican and US data protection regulations.

4.2 We may employ companies and third parties to facilitate our Service (“Service Providers”), provide the Service on our behalf, perform services related to the Service, or help us analyze how the Service is used. These third parties have access to Usage Data, always in anonymized form, only to perform these tasks on our behalf and are obligated not to disclose or use it for any other purpose.

5. DATA SECURITY

5.1 All data is stored anonymously and is synchronized, processed, and stored on servers with a high standard of protection, guaranteeing the security of all the data in our database.

5.2 The security measures taken aim to inhibit and prevent problems involving the processing of the data provided, although there is no 100% secure system to protect against hackers or third parties improperly obtaining information. Therefore, 3APPS is not responsible for illicit access or for acts by third parties who succeed in collecting or using data and information improperly made available on the platform by the User.

6. PRIVACY AND PROTECTION OF PERSONAL DATA

6.1 3APPS does not collect or store any personal data.

7. COOKIES AND THIRD-PARTY ADVERTISING

7.1 We use third-party advertising networks such as Google AdSense, Google Ad Manager, and AdMob to display personalized ads to users. These services may use cookies and similar technologies to collect and store information in order to deliver targeted ads based on your interactions with our Services and other websites.

7.2 Users may opt-out of cookies by visiting the Google Ads settings or adjusting their browser settings to block cookies. For more information on how Google uses data, please visit the Google Privacy Policy.

8. YOUR RIGHTS AND OBTAINING CONSENT

8.1 In accordance with applicable law, you may request access, correction, or deletion of your personal data.

8.2 By using our Service, you consent to the collection, use, and sharing of your data as described in this Privacy Policy.

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