Privacy Policies

Acceptance

By using the services, the user declares that they have read, understood, and accepted the Terms of Use, Privacy Policy, and Cookie Policy. The user agrees to adhere to these conditions, acknowledging that FLUDROID LTDA (CNPJ: 47.716.849/0001-20), located at Rua Rio Grande do Norte 1435, Room 708, Belo Horizonte – MG, BR, is responsible for managing their personal data and making decisions related to the processing of this information.

If, after reading this Privacy Policy, you have any questions, wish to file complaints, or exercise your rights regarding your personal data, please contact us through our customer service channels.

We collect data in the following situations:

• When you fill out the form or use the chat to register
• While browsing our websites and applications
• Other situations involving the provision of data

Types of Data Collected

Personal data such as identification information, including name, email, and documents numbers, as well as personal details like age, marital status, and gender, may be requested and provided by the data subject. Information about family situation, such as household composition, and educational level may also be requested. Regarding professional status, data about being self-employed, a freelancer, unemployed, employed, or retired may be collected. Consumption habits and financial information, such as negative credit status or financial restrictions, may also be requested, along with other relevant and necessary personal information for the intended service or operation.

We may collect personal data from third parties, including registration information like name, date of birth, CPF, phone number, and address. We also gather financial restriction data such as records of negative credit status, amounts owed, and due dates, as well as credit history and scores generated by credit bureaus. Additionally, we include information about outstanding or overdue debts, co-obligations, and guarantees, as well as other relevant and necessary personal data for the requested service or operation.

Browsing and device data include the IP address of the device used to access, information about performed interactions and site usage profile, as well as technical details such as accessed URLs, network connection, internet provider, and device characteristics. These data may involve cookies, specific device attributes like ID, operating system, browser, and model, as well as geolocation information if authorized. Application access logs, including usage date and time, and browsing data indicating visited areas are recorded. Additionally, other relevant and necessary personal information for the intended service or operation may be collected.

How We Collect Data

• Google Analytics 4 (Google LLC): an internet analysis service provided by Google LLC (“Google”). Google uses collected data to track and examine the use of this service (this Application) to prepare reports on activities and share them with other Google services. Google may use collected data to contextualize and personalize ads within its own advertising network.
• Google Ads Conversion Tracking: an analysis service provided by Google LLC that connects Google Ads network data with actions performed on this service (this Application).
• Meta Ads Conversion Tracking (Meta Pixel) (Meta Platforms, Inc.): an analysis service provided by Meta Platforms, Inc. that connects Meta’s advertising network data with actions performed on this service (this Application). The Meta Pixel tracks conversions related to Facebook, Instagram, and Audience Network platforms.
• Firebase Cloud Messaging (Google LLC): a messaging service provided by Google LLC. Firebase Cloud Messaging allows the Owner to send messages and notifications to Users through platforms such as Android, iOS, and the web. Messages can be sent to individual devices, device groups, specific topics, or User segments.
• Firebase Authentication / Google GSI (Google LLC): a registration and authentication service provided by Google LLC. To simplify the registration and authentication process, Firebase Authentication / Google GSI may use other identity providers and save information on the site/apps.
• Google AdSense (Google LLC): an advertising service provided by Google LLC. This service uses the “DoubleClick” Cookie, which tracks the use of this service (this Application) and the User’s behavior concerning the ads, products, and services offered. Users can disable all DoubleClick Cookies by accessing Ad Settings. To understand Google’s data usage, consult Google’s Partner Policy.
• AdMob (Google LLC): an advertising service provided by Google LLC. To understand Google’s data usage, consult Google’s Partner Policy.
• Google Ad Manager (Google LLC): an advertising service provided by Google LLC that allows the Owner to run advertising campaigns with external advertising networks, unless otherwise specified in this document. To understand Google’s data usage, consult Google’s Partner Policy. This service uses the “DoubleClick” Cookie, which tracks the use of this service (this Application) and the User’s behavior concerning ads, products, and services offered. Users can disable all DoubleClick Cookies by accessing Ad Settings.
• Meta Audience Network (Meta Platforms, Inc.): an advertising service provided by Meta Platforms, Inc. To understand Meta’s data usage, consult Meta’s Data Policy. This Application may use identifiers for mobile devices (including the Android Advertising ID or iOS Advertising Identifier) and technologies similar to cookies to operate the Meta Audience Network. One way the Audience Network displays ads is by using User ad preferences.
• Proprietary Tracking Tools: We also develop and use our own tools to monitor and analyze user interactions, behavior, and preferences to offer a personalized and efficient experience.

Mode and Location of Processing

The Owner will take appropriate security measures to prevent unauthorized access, disclosure, alteration, or destruction of the Data. Data processing is carried out using computers and/or IT-enabled tools, following organizational procedures and methods strictly related to the purposes indicated. In addition to the Owner, in some cases, Data may be accessed by certain types of individuals in charge, involved with the operation of this Service (this Application) (administration, sales, marketing, legal system administration) or external parties (such as third-party technical service providers, mail carriers, hosting providers, IT companies, communication agencies) appointed, if necessary, as Data Processors by the Owner.

Data is processed at the Owner’s operating headquarters and any other locations where the parties involved in the processing are located. Depending on the User’s location, data transfers may involve transferring User Data to a country other than their own. For more information about the location of processed Data, Users may check the section containing details about Personal Data processing.

Unless otherwise specified in this document, Personal Data will be treated and stored for as long as necessary for the purposes for which it was collected and may be retained longer due to any applicable legal obligation or based on User consent.

Data related to the User is collected to enable the Owner to provide its Service, fulfill its legal obligations, respond to execution requests, protect its rights and interests (or those of its Users or third parties), detect malicious or fraudulent activity, as well as for Advertising, Statistics, Registration and authentication, Contact management and messaging, Hosting and backend infrastructure, Platform and hosting services, and Remarketing and behavioral targeting.

Data Use and Sharing

We collect and use your personal data to offer and improve our services, personalize your experience, and present content and offers that may interest you. This data may be shared with companies within our economic group or sold to third parties for marketing and product and service offers, always respecting current data protection legislation.

The personal data provided by the holder primarily aim to allow precise and secure identification, ensuring protection for both the user and the services offered. These data enable access to the provided products and services, as well as profile analysis to suggest products and information best suited to individual needs. They are also used for identification, authentication, and verification of requirements necessary for the use of services, as well as to meet requests, clarify doubts, and contact users through various means, such as phone, email, SMS, or WhatsApp, including sending notifications and other forms of communication.

Additionally, the data may be used for marketing actions, prospecting, market research, and promoting partner products and services, enabling the sharing of information about news, features, content, events, and other actions aimed at maintaining a relationship with the user. They are also applied to credit protection, such as granting credit and increasing limits, preventing and solving technical or security problems, and conducting investigations aimed at preventing and combating fraud, illegal activities, and financial crimes, ensuring client protection.

Data may also be used to comply with court orders, competent authorities, or regulatory bodies and fulfill legal or regulatory obligations. Finally, they are essential to solve queries, correct issues, and improve the system, providing a more efficient and satisfying user experience.

Your registration data may be shared or sold to companies within the same economic group, partners, third parties, authorities, and regulatory bodies whenever necessary and within the limits and objectives related to our activities.

Data is used to operate and manage our services, improve internal processes, and analyze performance. We may share information with our affiliated companies to develop more relevant and tailored offers for your profile. In some situations, your data may be shared or sold to business partners, such as advertisers and marketing operators, to promote products and services that may interest you.

All data processing operations are carried out based on consent, compliance with legal or regulatory obligations, contract execution, or legitimate interest, as provided by applicable legislation. As a data subject, you can revoke consent, request access or deletion of your information, or exercise other rights guaranteed by the General Data Protection Law at any time.

Data Deletion

To delete your data, you can take different measures depending on the situation. For example, when receiving or locating old newsletter messages, simply click on the cancellation link located at the footer of the email to stop receiving new promotional or informational content.

Another option is to remove cookies directly in your browser’s privacy settings, preventing the storage of new information on the device, although this may impact the functioning of some websites.

You can also disable ad personalization by accessing platforms such as AboutAds.info, Preferences-mgr.truste.com, or Google’s settings page, where you can adjust your preferences to limit data collection for targeted advertising.

Finally, if necessary, you can directly contact the responsible team and manually request the deletion of your personal information.