Last Updated: 02/03/2024

Welcome to our Privacy Policy! Here we will explain who we are, how we handle your information, and the protective measures we adopt to ensure the highest level of security in our relationship.

First, what is the Financial Credit Sherpa website?

We are the informative portal Financial Credit Sherpa, aiming to share information in a simple, accessible, clear, and efficient way. Additionally, we may promote related products and services as we publish our informative content. This promotion can also occur indirectly, through our banners, by displaying advertisements for products and services that best suit your needs, not necessarily related to our main topic, based on your additional preferences, which we will explain further.

Our goal is to provide you with knowledge in the best way possible. To achieve this, it’s important for you to understand that we protect your information when you browse our website, just as we protect ours, while always respecting your privacy.

We also aim to clarify how your data is handled by companies within our group. To this end, we present our Privacy Policy, which complies with both international and national data protection regulations.

This policy explains how your personal data will be used on our website, not only to promote our services, products, and publications but also those of third parties.

It is essential to note that these guidelines do not apply to websites or other related services over which we have no control. Therefore, we do not bear any responsibility for the relationships established between you and third-party products and services that may be recommended to you.

To start, let’s answer a common question:

What is data? What data are we talking about?

Answering this question is very important, so let’s clarify some terms you’ll encounter from now on:

  • Personal Data: Refers to any information provided and/or collected by Financial Credit Sherpa and/or its affiliates, by any means, even public ones, that identifies you directly or that, when combined with other information handled by Financial Credit Sherpa, can identify you. Personal data can exist in any media or format, including electronic or computerized records as well as paper-based files.
  • Non-Personal Data: Refers to information that does not allow your identification, such as which pages on the website were visited, when they were accessed, which hyperlinks were clicked, what content or services were requested, among other data that cannot provide personal details or allow your identification.
  • User: Any individual or legal entity accessing or using, through any means, including mobile devices, smartphones, tablets, personal computers, web browsers, and other access methods that may be developed.

A website user is also known as a Data Subject. In this “Policy,” you may also be referred to as the user.

How can we access your data?

The quantity and type of information collected by Financial Credit Sherpa can vary based on your consent, authorization, and the way you use our websites and tools.

Here’s how we might access your data:

  • Data provided by you: These are the details you provide when registering or filling out forms offered by Financial Credit Sherpa to access free content on our websites and platforms (e-books, quizzes, etc.) or to participate in our recruitment process. Examples include your email, full name, phone number, address, and date of birth.
  • Third-party data: We may also collect data about you from publicly available sources, service providers, and partners who provide your data following applicable laws and respecting your privacy rights. Other websites, such as Facebook, Google, and Instagram, may provide some data, provided you have authorized them to do so, enabling Financial Credit Sherpa to enhance your experience by offering you the best products and services.
  • Navigation data: These are the details we collect even if you do not fill out any form or request any free content from Financial Credit Sherpa. Navigation data, by itself, cannot be considered personal data. These include information like which pages you visited, when you accessed them, which hyperlinks you clicked, what content or services you requested, your approximate location (latitude and longitude), your IP address, device information (such as unit identifier, advertising identifier, OS name and type), and internet connection details, among others.

Why do we use your data?

Financial Credit Sherpa is a website dedicated to providing users with information and knowledge about .

To achieve this goal, we conduct in-depth research to deliver valuable content capable of addressing all your questions regarding .

How is Financial Credit Sherpa monetized?

  • Revenue generation for website maintenance and investment in technology primarily consists of displaying advertisements, mainly related to products or services connected to your interests.
  • Targeted advertising, based on data, is not only necessary and legitimate but also efficient. It ensures you access relevant ads tailored to your profile while allowing free access to website content, which requires funding to stay operational.
  • It is important to note that we use third-party services to display ads on our site. These ads may contain Cookies and/or Web Beacons to collect data during the display process, such as whether you clicked on an ad, showing interest in the advertised product or service. Financial Credit Sherpa does not access this information and is not responsible for the data collected by third-party companies, as these processes are beyond our control.
  • Financial Credit Sherpa displays ads served by Google AdSense. Google uses cookies to display ads on publishing sites. The DART Cookie enables ads tailored to your preferences and browsing habits.
  • Some features of Financial Credit Sherpa can be accessed without requiring prior registration or providing personal data. However, to enroll in a course promoted on our website or request a product/service, initial registration with personal data, such as name and email, may be necessary.

How Do We Use Your Data?

  • To ensure your accurate and precise identification, guaranteeing your safety and protection while preventing potential fraud;
  • To provide our products, services, and those of third parties by analyzing your profile. This allows us to suggest the best products and information suited to your real needs and circumstances, enhancing and personalizing your experience on our website;
  • To improve our communication with you by sending emails with access to our content and offers;
  • For research and improvement of our data processing technologies, such as user profiling, while anonymizing this data.

Personalized Advertising

Users can disable personalized advertising by accessing the Ad Settings. Alternatively, you can guide users to visit the website www.aboutads.info to opt out of third-party personalized advertising cookies.

Does Financial Credit Sherpa Share Your Data?

First, it is important to note that Financial Credit Sherpa does not sell your personal data.

Financial Credit Sherpa may share the personal data provided or collected with other companies in the group, as well as with third parties, to process your information and offer content, products, and services related to our activities.

Regarding third-party companies or partners, we generally share only non-personal data, such as behavioral information. Personal data will be shared for the purpose of suggesting products and services that best meet your needs and/or to provide products and/or services requested by you, only when it aligns with your interest. Our partners are authorized to use personal data only for the specific purposes for which they were contracted. They are not authorized to use your personal data for other purposes beyond those stipulated in their agreements.

Any company granted access to your personal data must process it in a manner consistent with the purposes for which it was collected (or previously consented to by you), as well as in accordance with this Privacy Policy and applicable privacy and data protection laws.

For administrative purposes, such as research, planning, service development, security, and risk management;

When necessary due to legal obligations, authoritative requests, or judicial decisions.

Financial Credit Sherpa reserves the right to assist or cooperate with any judicial authority or government agency and may share users’ personal data to establish or exercise its legal rights or protect its properties or when it deems such assistance necessary to enforce agreements/contracts or protect the rights, property, or safety of our employees and/or other users.

When complying with an administrative request, Financial Credit Sherpa” may provide information to the requester only if authorized by you, as determined by the Terms and Conditions of Use.

What Are Your Rights, and How Can You Contact Us?

As a data subject, you have the right to not only access but control your data at any time by submitting a request to Financial Credit Sherpa to:

  • Confirm the existence of data processing;
  • Access the data;
  • Rectify incomplete, inaccurate, or outdated data;
  • Anonymize, block, or delete unnecessary, excessive, or non-compliant data under the General Data Protection Law (LGPD);
  • Transfer your data to another service or product provider, upon express request, following the regulations established by the national authority, observing Financial Credit Sherpa trade and industrial secrets;
  • Delete personal data processed with your consent, except as provided under LGPD;
  • Be informed about public and private entities with whom Financial Credit Sherpa has shared your data;
  • Be informed about the possibility of denying consent and the consequences of such denial, among other scenarios mentioned in this Privacy Policy.

For more information, see Law No. 13.709/18, Article 18.

Furthermore…

  • You can change your acceptance of cookies in your browser settings at any time. Note that disabling browsing cookies may affect some functionalities of Financial Credit Sherpa and compromise your experience;
  • You can also choose to disable the DART cookie on the Google Ads and Content Network Privacy Policy page. If you disagree with Google’s cookies and wish to deactivate them, simply access the official page to control how Google uses cookies collected across its ad network.

If you wish to resolve doubts, address requests, submit complaints, or obtain more information about products and/or services provided on the platform, you can contact us via online chat or email:

Additionally, you should use this service if you have any doubts about our relationship with your personal data or believe your information has been used in a manner incompatible with this Privacy Policy or your choices as a data subject.

How Do We Protect Your Data?

Financial Credit Sherpa employs practices and technologies under constant review and improvement, in line with technical and regulatory advancements both nationally and internationally.

Our measures to safeguard your data from unauthorized access, use, alteration, disclosure, or destruction include physical and logical data protection, encrypted communications, access controls, adherence to secure software development, internal compliance policies, accountability measures, and risk mitigation strategies that ensure data security throughout its lifecycle. Your data is stored in secure, internationally recognized databases, such as Google Cloud.

However, Financial Credit Sherpa cannot guarantee that its services or those of the group companies, or the security of the databases used, are entirely invulnerable. Rest assured that in the unlikely event of a security breach compromising your data, we will promptly inform you and take measures to rectify the situation.

IMPORTANT INFORMATION! PLEASE READ CAREFULLY!

By accessing and/or using Financial Credit Sherpa, you acknowledge, declare, and agree that:

  • You are at least 18 years old and have the full capacity to accept the terms and conditions of this Privacy Policy for all legal purposes. If you do not meet this description and/or disagree, even partially, with the terms contained in this Privacy Policy, you will not access or use the services provided by Financial Credit Sherpa, including its sites and services.
  • Financial Credit Sherpa adheres to international standards for storing, protecting, and transmitting data but emphasizes that no method is 100% secure or inviolable.
  • Financial Credit Sherpa DOES NOT send emails requesting payments or personal data confirmation;
  • Financial Credit Sherpa may analyze your history to better understand your profile and recommend products and services personalized to your preferences and needs;
  • Financial Credit Sherpa and its partner companies may invite you to participate in satisfaction surveys to improve the system and the products, content, and services offered by Financial Credit Sherpa and its partners.

If you contact us to report a problem, ask a question, or seek support, you agree that Financial Credit Sherpa collects and stores the information shared in this interaction, including related messages and data necessary to investigate the issue. These data will be used to address questions, resolve problems, and enhance the system for better user experiences with Financial Credit Sherpa.

Privacy Policy Updates

The world is always changing and evolving, and so is our Privacy Policy. We reserve the right to revise and update this Policy periodically.

Please return to this page regularly to ensure you are familiar with the latest version and agree with all the terms and practices outlined here. If you do not revisit this page, Financial Credit Sherpa will assume you are aware of and agree with the terms presented in this Policy and its updates.