Privacy Policy

1. Privacy Notice

FINTALK is committed to the privacy and confidentiality of the information provided by all types of individuals it interacts with. In this Privacy Notice, the term "Personal Data" refers to information that can identify or individualize the same. Examples include name, phone number, and email address, among others, and may include online identifiers such as IP address and URLs, for example.

2. What is the General Data Protection Law – LGPD?

The 13.709/2018, also known as the General Data Protection Law, was published on August 14, 2018, and addresses the protection of personal data. The law became effective on September 18, 2020, aiming to ensure the protection of individuals who are data subjects, who provide their data to companies located within Brazilian territory. To guarantee this protection to individuals, the LGPD established rules applicable to ALL companies for the use of this data, providing legal security to individuals, always aiming to minimize possible impacts on individual rights and guarantees of freedom, privacy, and free personality development of the data subject (protection of the rights of the data subject).

3. What is the content of this privacy notice?

This Privacy Notice describes in a simple and clear manner FINTALK's procedures and practices regarding the processing of personal data. We provide information on how the collection, processing, and sharing of Personal Data of users of our website is done. This Notice applies to anyone who accesses the site https://fintalk.ai so that we can process the necessary information to offer our products and services, always reinforcing transparency in our relationship. Read carefully.

4. Who are we and how to contact us?

Fintalk provides technology for its clients to speak directly with their consumers. The company offers all the infrastructure to optimize service channels through artificial intelligence – all through audio conversations. Thus, customers can pay bills, place orders, and access other services via app or social networks. Our activity is carried out in full compliance with applicable Brazilian laws, as well as Resolution no 3.954/2011 of the CMN - National Monetary Council. In this Privacy Notice, references to "we" are to FINTALK S.A

4.1. Data Protection Officer Details

OF FINTALKIf you have any questions about how we collect, store, or use your personal information, or wish to exercise any of your rights under data protection legislation (as detailed in section 11), you can contact us at any time through our Data Protection Officer: [email protected]

5. What personal data do we collect and how do we collect it?

Data is collected on behalf of contracting clients for the exclusive use of contractors. We collect only the strictly necessary data for forwarding:Proposals for opening a checking account and credit operations; Proposals for credit card requests; Refinancing proposals with guarantee; Information updates; Opening tickets; etc. We collect only the necessary data so that our partners can properly track the proposals and projects.

6. Data Storage Location

The data we use is stored on secure servers of our business partners/operators, such as AWS, Google, and Microsoft, which are our suppliers of computing environment and applications, in the “Cloud Computing” modality, also known as the public cloud. The captured data can be used for the period defined by the contractor up to a maximum of 365 days when they are completely deleted.

7. Legal bases for processing personal data

We only process Personal Data when we have a legal basis to do so, in the following cases:Due to legal or regulatory obligation: covers situations where the purpose is to comply with Brazilian legislationDue to contractual necessity or preliminary contractual procedures: covers situations where we must process Personal Data to fulfill our contractual obligations or preliminary contractual preparation.Due to the Controller's legitimate interest: covers the use of personal data for activities related to promotion, prospecting, and general offering of credit and/or financial products and services from our partners, which are Banks and other financial institutions.IMPORTANT: We ensure that data processing carried out based on legitimate interest is performed in full compliance with the General Data Protection Law, always prevailing the fundamental rights and freedoms of the data subject, who can opt-out at any time.

8. How do we use your personal data?

We collect Personal Data for the following reasons:To provide the information requested by visitors to our site who want to obtain initial calculations and quotes for the various types of financial services we offer, where we need a minimum set of information for calculations with our partner banks;To respond to any messages sent via our site: Responses are provided through email or WhatsApp messages by our professionals, always according to the contact preferences informed on our site;To improve visitors' navigation on our site: Our site utilizes technology platforms that use cookies and pixel tags to collect data about the navigation and use of our site, always aiming to improve the experience of using and consuming our content and services;To offer new financial products and services compatible with the profile, in the best interest of the data subject, always ensuring the confidentiality and privacy of the information provided, and full respect for individual freedoms and guarantees. At any time, the data subject can contact us to exercise their rights regarding personal data. In cases where FINTALK intends to process personal data for a different purpose from which they were originally collected, we will provide information about this other purpose and any additional relevant information before such processing. FINTALK does not use personal data in automated decision-making processes.

9. How and when does FINTALK share personal data with third parties

FINTALK may share personal data it holds in the following cases:for credit operation mediation purposes, where FINTALK, acting as Correspondent, can share data with the financial institution for credit analysis and granting;due to legal or regulatory obligation; or for the purpose of fulfilling its contractual obligations with its clients. The data sharing procedure is carried out in full compliance with the LGPD, and if the personal data subject decides to exercise the rights listed in article 18 of the LGPD, particularly correction, deletion, anonymization, or blocking of data, FINTALK will promptly comply with the request, under § 6 of article 18, immediately informing any processing agents with which data sharing was carried out to replicate the same procedure, except in cases where this communication is proven to be impossible or implies disproportionate effort.

10. How do we keep your personal data secure?

FINTALK takes all necessary security measures to restrict access to the Personal Data processed, to protect against unauthorized or illegal processing and against accidental damage, loss, or destruction of your Personal Data. The security measures applied by FINTALK include storing your personal data on secure servers and granting access to personal data only to authorized individuals, when necessary, to achieve a specific purpose.

11. How long do we store your personal data?

Personal Data is retained for as long as necessary concerning the purpose for which we are processing that information, and in accordance with legal requirements (when applicable). To determine the appropriate retention period for Personal Data, we consider: the amount, nature, and sensitivity of the Personal Data; the potential risk of harm from unauthorized use or disclosure of your Personal Data; the purposes for which we process your Personal Data and if we can achieve the same objectives by other means, using applicable legal bases and appropriate security measures. We retain your personal data according to the timeframes established for each personal data treatment we have in our Personal Data Inventory. When personal information is no longer necessary, it is securely disposed of.

12. Other websites

This Privacy Notice applies only to the site: Fintalk.ai Therefore, when you link to other sites, you should read their own privacy notices and information regarding cookies, as we are not responsible for their content, use of Personal Data, or security practices.

13. Your rights

In accordance with the General Data Protection Law, every individual has rights concerning the Personal Data we process. These rights include: Confirmation of the existence of processing of your personal data; Access to your personal data; Correction of your personal data that is incomplete, inaccurate, or out-of-date; Anonymization, blocking, or elimination of unnecessary, excessive, or non-compliance processed data; Data portability to another service or product supplier, upon express request and subject to commercial and industrial secrecy, according to the regulation of the control body; Elimination of personal data processed with the consent of the data subject, except in the cases of article 16 of the Law; Information of the public and private entities with which we share data; Information about the possibility of not providing consent and about the consequences of denial; Revocation of consent, under the terms of § 5 of art. 8 of the Law. Our site is not intended for children or teenagers under the age of 18. We do not knowingly collect or use any information from children and/or adolescents.

14. How to Exercise Your Rights?

The data subject may exercise their rights by contacting our Data Protection Officer using the contact details already provided in section 3, formally, via email at [email protected]

15. Changes to our privacy notice

We may change the content of our sites without prior notice to improve, add new features, and resources to this site, as well as to improve and add existing products, services, and promotions. Due to these possible changes, changes in the law, and the ever-changing nature of technology, our data practices and, consequently, our Privacy Notice will change from time to time. When our data practices change, we will post the changes on our site to notify those who access it. Therefore, we recommend that our visitors periodically check our Privacy Notice to stay informed about how we are using your Personal Data.