Terms of Use and 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”) 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. CREDIT TIPS MAKES NO REPRESENTATIONS, WARRANTIES, OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE RESULTS THAT MAY BE OBTAINED THROUGH THE USE OF THE SERVICES.

BEFORE MAKING ANY FINANCIAL DECISIONS OR IMPLEMENTING ANY FINANCIAL STRATEGY, INCLUDING RECOMMENDATIONS OF THIRD PARTIES IDENTIFIED THROUGH THE SERVICES, CREDIT TIPS RECOMMENDS THAT YOU OBTAIN ADDITIONAL INFORMATION AND ADVICE OF ACCOUNTANTS OR OTHER FINANCIAL ADVISORS WHO ARE FULLY AWARE OF YOUR INDIVIDUAL CIRCUMSTANCES.

Services provided for informational purposes. CreditTips is not a financial institution. When evaluating offers, please review the financial institution’s Terms and Conditions.

3APPS may modify these Terms of Use and Privacy Policy in order to improve, adapt or update it to changes in legislation or business decisions.

Registration and subsequent browsing and use of CreditTips app depends on acceptance of the provisions of these Terms of Use and Privacy Policy. Therefore, if the User does not agree with any of the conditions set out, it is recommended that they do not use the Service.

WE ARE THIS	A simplified guide to helping you choose a credit card	A way of understanding credit cards.
WE ARE NOT THIS	We are not a financial institution..	We have no connection or any type of agreement with financial institutions

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.

When you access the Service via a mobile device, this Usage Data may include information such as the type of mobile device you use, your mobile device’s unique ID, your mobile device’s IP address, your mobile operating system, the type of mobile Internet browser you use, unique 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 (for example, if we need to retain it to comply with applicable laws), resolve disputes and enforce our legal agreements and policies.

4. WHO HAS ACCESS TO THE DATA?

4.1 The 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 to 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:

Provider	Purpose of Sharing
Google Analytics	To track and monitor the use of our Service. This data is shared with other Google services. Google may use the data collected to contextualize and personalize the ads of its own advertising network. For more information about Google’s privacy practices, please visit the Google Privacy and Terms page: http://www.google.com/intl/en/policies/privacy/
Firebase	Firebase is an analytics service provided by Google Inc. You can disable certain Firebase features through your mobile device settings, such as your device’s advertising settings, or by following the instructions provided by Google in its Privacy Policy:http://www.google.com/intl/en/policies/privacy/
Ads:Google AdSense e DoubleClick CookieAdMob do GoogleMoPubAppLovin	We may use third-party service providers to show you ads; to help support and maintain our Service.Google, as a third party vendor, uses cookies to serve ads on our Service. Google’s use of the DoubleClick cookie enables it and its partners to serve ads to our users based on their visit to our Service or other sites on the Internet. You can opt out of the use of the DoubleClick Cookie for interest-based advertising by visiting the Google Ads settings page:  http://www.google.com/ads/preferences/ .AdMob by Google is provided by Google Inc. You can deactivate the AdMob by Google service by following the instructions described by Google: https://support.google.com/ads/answer/2662922?hl=pt-BR.  For more information on how Google uses the information it collects, please visit the “How Google uses data when you use our partners’ site or app” page: http://www.google.com/policies/privacy/partners/ or visit the Google Privacy Policy: http://www.google.com/policies/privacy/ . MoPub is provided by MobPub Inc.You can cancel the MobPub service by following the instructions on the MoPub deactivation page: http://www.mopub.com/optout/ For more information about what information MobPub collects and how it is used, please read MoPub’s Privacy Policy: http://www.mopub.com/legal/privacy/ AppLovin is provided by AppLovin Corporation.If you wish to cancel the AppLovin service, please visit the AppLovin deactivation page: https://www.applovin.com/optout If you would like to learn more about AppLovin, please visit the AppLovin Privacy Policy page: https://www.applovin.com/privacy

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% (one hundred percent) secure system to protect against hackers or third parties with methods of obtaining information improperly. For this reason, 3APPS is not responsible for illicit access, or for the acts of third parties who succeed in collecting or using, by any means, data and information 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. If you have any requests, comments, or questions about this Privacy Statement or your user information, please contact:  [email protected]

7. CONTACT AND QUESTIONS

7.1 If you have any support requests, please contact our team by e-mail: [email protected]