Privacy Policy for Empréstimo Pessoal Fácil

Effective Date: September, 2024

Welcome to Empréstimo Pessoal Fácil! Your privacy is important to us. This Privacy Policy outlines the types of information we collect, how we use and protect that information, and our practices regarding data handling and user privacy.

Information Collection and Use
1. No Account Creation
Our app does not require users to create an account. You can fully use the services offered by Empréstimo Pessoal Fácil without registering or providing personal identification.

2. Data Collection for Financial Purposes
While using the app, we collect specific data to provide you with relevant loan options and improve your experience. The data collected includes:

User interactions within the app (such as search preferences and clicked loan options).
Device identifiers, such as the Advertising ID (for Android devices) and the Identifier for Advertisers (IDFA, for iOS devices). These identifiers are used for advertising purposes through AdMob and to deliver personalized ads to users. As per regulatory guidelines, IDFA and Advertising IDs are considered Personally Identifiable Information (PII).
Analytics data related to app performance and user behavior through Firebase Analytics, which helps us improve the functionality and user experience of the app.
IDFA and Advertising ID are shared with AdMob for advertising purposes and with Firebase for analytics and app performance tracking. Both AdMob and Firebase are Google services, and we ensure that these data-sharing activities comply with applicable privacy laws, including GDPR and CCPA.

You can manage how your IDFA and Advertising ID are used via your device settings, allowing you to opt-out of personalized advertising at any time. Both identifiers are used solely for the purposes of advertising and analytics, and we do not sell your personal data to third parties.

We use industry-standard security measures to protect the data we collect, and we retain this information only as long as is necessary for the purposes outlined in this Privacy Policy, or as required by law.

3. Analytics and Advertising
3.1. Analytics
We use Firebase Analytics, a service provided by Google, to collect and analyze data about how users interact with our app. This helps us improve the functionality, performance, and user experience. The data collected includes:

User interactions within the app (e.g., pages viewed, search preferences, and loan options clicked).
Session durations and the frequency of app usage.
Device information, including model, operating system, and device identifiers such as the Advertising ID or IDFA.
Firebase Analytics collects and processes this data in an anonymized and aggregated manner. We do not receive any personally identifiable information (PII) from Firebase Analytics unless explicitly provided by the user. The information is used solely for internal purposes, including:

Understanding how users engage with the app.
Identifying and resolving bugs or performance issues.
Making data-driven decisions to enhance the app's features and functionality.
You can opt out of Firebase Analytics tracking by adjusting your device's privacy settings or opting out of the Advertising ID or IDFA through your device's settings.

3.2. Advertising
We use AdMob, another service provided by Google, to display personalized ads within the app. AdMob collects the Advertising ID (for Android devices) and the Identifier for Advertisers (IDFA) (for iOS devices) to deliver targeted advertisements based on user interests and app usage patterns. The collected data includes:

Device identifiers such as Advertising ID and IDFA, which are considered PII.
App usage data to help deliver ads that are more relevant to users based on their interactions with the app.
Location data (if the user has enabled location services) to provide region-specific advertisements.
The Advertising ID and IDFA are shared with AdMob for the purpose of delivering targeted ads. These identifiers are used to track user interactions with ads, measure ad performance, and prevent fraud. The data is handled in compliance with applicable privacy regulations, such as the GDPR and CCPA, ensuring user consent where required.

You can manage how your Advertising ID or IDFA is used for advertising by adjusting your device's privacy settings:

On Android, you can reset or opt-out of interest-based ads by going to Settings > Google > Ads > Opt out of Ads Personalization.
On iOS, you can reset or limit ad tracking by going to Settings > Privacy > Tracking, and disabling the "Allow Apps to Request to Track" option.
3.3. Third-Party Data Sharing
Both Firebase Analytics and AdMob are services provided by Google, and the data collected by these services may be shared with third parties as part of Google’s own privacy policies. We ensure that our use of these services is compliant with all relevant privacy laws, and we do not directly share or sell any PII to unauthorized third parties.

In addition, you can review Google’s privacy policy to understand more about how Firebase Analytics and AdMob handle your data by visiting: https://policies.google.com/privacy.

4. Disclosure of Lending Partners
While Empréstimo Pessoal Fácil helps users search for loans, we are not affiliated with any banks or financial institutions. The following lending partners are featured within the app based on your search preferences:

Singulare Corretora de Títulos e Valores Mobiliarios S.A
Creditas Sociedade de Crédito Direto
OXY COMPANHIA HIPOTECÁRIA S.A.
Socinal S.A. – Crédito, financiamento e investimento
BANCO DO BRASIL S.A.
Aymoré Crédito, Financiamento e Investimento S.A.
RODOBENS ADMINISTRADORA DE CONSORCIOS LTDA.
LH1010 Serviços de Correspondente Bancário Ltda.
NoVerde Tecnologia e Pagamentos S/A
Lecca - Crédito, Financiamento e Investimento S.A.
Money Plus Sociedade de Crédito
QI Sociedade de Crédito Direto S.A.
Itaú Unibanco Holding S.A.
LOFT BRASIL TECNOLOGIA S.A.
BANCO SANTANDER (BRASIL) S.A.
Jeitto Instituição de Pagamento LTDA.
SOCINAL S.A. - CRÉDITO, FINANCIAMENTO E INVESTIMENTO
BANCO VOTORANTIM S.A.
BANCO BV S.A.
MOVA SOCIEDADE DE EMPRÉSTIMO ENTRE PESSOAS S.A.
CASHME SOLUÇÕES FINANCEIRAS S.A.
BMP Sociedade de Crédito Direto S/A
Companhia Hipotecária Piratini S.A.
Qi Sociedade de Crédito Direto S.A.
UY3 Sociedade de Crédito Direto SA
PicPay Instituição de Pagamento S.A.
BANCO DIGIO S.A.
No Financial Recommendations or Affiliation
The app does not provide financial advice or recommendations. It acts solely as a tool to help users search for the best loan offers. We are not affiliated with any banks or financial institutions. The information provided is for informational purposes, and we encourage users to consult a financial expert before making any decisions.

5. Children's Privacy
This app is not intended for users under the age of 13. We do not knowingly collect personal information from children under this age.

6. Changes to This Privacy Policy
We may update our Privacy Policy from time to time. We will notify you of any changes by posting the new Privacy Policy on this page. We encourage you to review this Privacy Policy periodically for any changes.

7. Disclaimer
Empréstimo Pessoal Fácil is a tool designed to assist in searching for loan options. However, it may not provide comprehensive or personalized recommendations. By using the app, you acknowledge that the information presented is for general search purposes, and we are not responsible for any decisions made based on the app’s content.

8. Contact Us
If you have any questions or concerns about our Privacy Policy or how your data is handled, please contact us at: contactvibeapp@gmail.com