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Privacy Policy

Effective as of: June 16, 2026

This Privacy Policy explains how CreditTips, operated by 3APPS SOLUTIONS AND ADVISORY LTDA (“3APPS,” “we,” “us,” or “our”), collects, uses, stores, and shares information when you access our website, applications, and related services collectively referred to as the “Service.”

By using the Service, you acknowledge the practices described in this Privacy Policy. Where required by law, non-essential cookies and similar technologies will only be used after you provide consent.

1. Informational Disclaimer

CreditTips provides informational, educational, and promotional content only. Nothing available through the Service constitutes legal, financial, tax, investment, or professional advice.

CreditTips is not a bank, lender, financial institution, or credit provider and does not directly offer loans, credit cards, financing, or other financial products.

We do not guarantee that all information, offers, rates, eligibility conditions, or recommendations are complete, accurate, or current. Before accepting an offer, users should review the official terms provided by the relevant advertiser, financial institution, or third-party provider.

2. Information We Collect

We do not require users to create an account or directly provide sensitive information such as banking passwords, credit card numbers, or government identification documents.

When you use the Service, we and our service providers may automatically process information such as:

  • IP address;
  • Browser and device type;
  • Operating system;
  • Device, cookie, and advertising identifiers;
  • Approximate location;
  • Pages visited and links clicked;
  • Date, time, and duration of visits;
  • Interactions with content and advertisements;
  • Security, diagnostic, and performance data.

If you contact us, we may process your name, email address, message, and any information you voluntarily provide.

Some technical information, including IP addresses and online identifiers, may be considered personal data under applicable privacy laws.

3. How We Use Information

We may use information to:

  • Operate, maintain, and improve the Service;
  • Analyze traffic, performance, and user interactions;
  • Provide and measure advertisements;
  • Display personalized advertising when consent has been provided;
  • Detect fraud, invalid traffic, abuse, and security incidents;
  • Respond to support or privacy requests;
  • Comply with legal obligations;
  • Protect our rights and the security of the Service.

We may also use aggregated or anonymized information for statistical and analytical purposes.

4. Cookies and Advertising

The Service may use cookies, pixels, local storage, tags, and similar technologies for essential functionality, analytics, security, advertising, and performance measurement.

We may work with third-party providers, including Google AdSense, Google Ad Manager, Google Analytics, and Google AdMob.

These providers may process device information, cookie identifiers, IP addresses, and advertising interactions according to your consent choices and their own privacy policies.

Where legally required, non-essential cookies will not be activated before the user provides consent.

Users may accept, reject, or customize non-essential cookies through the cookie consent banner or the Cookie Settings option available on the Service.

5. Consent Management and Google Consent Mode v2

For users in the European Economic Area, the United Kingdom, Switzerland, and other applicable regions, the Service uses a Google-certified Consent Management Platform (“CMP”) integrated with the IAB Transparency and Consent Framework (“TCF”).

The CMP allows users to:

  • Accept optional cookies;
  • Reject non-essential cookies;
  • Customize consent choices;
  • Review advertising providers;
  • Change or withdraw consent at any time.

The Service also implements Google Consent Mode v2, including the following consent signals:

  • ad_storage;
  • analytics_storage;
  • ad_user_data;
  • ad_personalization.

Where prior consent is required, these signals are set to denied by default and are updated according to the user’s choices.

When advertising consent is denied, personalized advertising will not be enabled. Users may still see contextual, non-personalized, or limited advertisements, depending on applicable law and provider configuration.

6. Sharing and International Processing

We may share information with providers that assist us with:

  • Hosting and website operation;
  • Analytics and performance measurement;
  • Advertising services;
  • Consent management;
  • Security and fraud prevention;
  • Legal and regulatory compliance.

These providers may process information in Brazil, the United States, the European Economic Area, or other countries.

Where required, we use reasonable contractual, technical, and organizational safeguards for international data transfers.

We may also disclose information when required by law, court order, government request, or when necessary to protect users, prevent fraud, or defend our legal rights.

7. Data Retention and Security

Information is retained only for as long as reasonably necessary for operational, analytical, security, advertising, and legal purposes.

When information is no longer required, it may be deleted, anonymized, or aggregated.

We apply reasonable technical and organizational measures to protect information against unauthorized access, loss, misuse, alteration, or disclosure. However, no website, application, storage system, or internet transmission can be guaranteed to be completely secure.

8. Your Privacy Rights

Depending on your location, you may have the right to:

  • Request access to your personal data;
  • Request correction or deletion;
  • Object to or restrict certain processing;
  • Withdraw consent;
  • Opt out of personalized or targeted advertising;
  • Request data portability;
  • File a complaint with a data protection authority.

These rights may apply under laws such as Brazil’s LGPD, the European Union’s GDPR, the UK GDPR, and applicable United States privacy laws.

To exercise your rights, contact:

[email protected]

We may request reasonable information to verify your identity before responding.

9. Children’s Privacy

The Service is intended for a general audience and is not specifically directed to children.

We do not knowingly request personal information from children in violation of applicable law. If we become aware that information was improperly collected from a child, we will take reasonable steps to delete or restrict it.

10. Third-Party Links

The Service may contain links, offers, or advertisements provided by third parties.

3APPS does not control the content, availability, privacy practices, security, eligibility requirements, or terms of these third parties. Users should review the applicable privacy policy and official terms before providing information or accepting an offer.

11. Changes to This Policy

We may update this Privacy Policy to reflect changes in our services, technologies, legal obligations, or data-processing practices.

The updated version will be published with a revised effective date. Where required by law, we will request consent again before applying material changes to consent-based processing.

12. Contact

For questions, complaints, or privacy requests, contact:

3APPS SOLUTIONS AND ADVISORY LTDA
Email: [email protected]

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