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Privacy Policy

All the information collected will be used to improve your experience on our site. The information collected may include your name, email, phone number, and/or others.

The use of Clube do Resumo implies acceptance of this Privacy Agreement.

If the user does not agree, even partially, with the terms and conditions contained in this Privacy Policy, they should not access and/or use the content offered by Clube do Resumo. By using the site, the User acknowledges and fully agrees with the processing of their data, in accordance with the terms of this Privacy Policy and the General Terms and Conditions of Use.

We reserve the right to modify this privacy policy at any time, without the consent or notification of Users, so please review it frequently.

Changes and clarifications will take effect immediately upon publication on the site. If we make material changes to this policy, we will notify you here that they have been updated, so you are aware of what information we collect, how we use it, and under what circumstances, if any, we use and/or disclose it.

Clube do Resumo respects the privacy of its users and is transparent in how data is used. Our Privacy Policy has been developed in compliance with international and national data protection standards.

This Privacy Policy should be read and interpreted in conjunction with the General Terms and Conditions of Use of Clube do Resumo, available at https://clubedoresumo.com/terms-of-use/

General Information for Users

Clube do Resumo aims to share financial information with its Users, making knowledge accessible to everyone. Users can browse the Clube do Resumo site without needing to have previously registered.

Clube do Resumo follows international security standards for the storage, protection, privacy, and transmission of data, noting that no method of storage, protection, privacy, or data transmission is 100% secure and inviolable.

Clube do Resumo adopts practices and technologies that are constantly being reviewed and improved, in line with technical and regulatory advancements, both national and international. When we talk about protection, we are referring to any unauthorized access, use, alteration, disclosure, or destruction of your data. To prevent this, we invest in measures such as encrypted communications, access control, secure software development practices, internal compliance policies, and risk mitigation and accountability measures to ensure data security throughout its lifecycle. Users’ information is also stored in secure, renowned, and internationally recognized databases.

Clube do Resumo does not request, under any circumstances, money for the release of any type of financial product, whether credit card, financing, or loan. If this happens, please notify us immediately.

We work to keep all information as up-to-date as possible. However, it is worth noting that this information may differ from the information found on the websites of financial institutions and/or service providers of a specific site. Regarding institutions with which we do not have a partnership: we do not guarantee the accuracy or timeliness of the information. Always remember to read the terms of use and acquisition conditions of the financial institutions you choose. We receive a small fee from advertisements on our site and from our partners when we refer a user who requests a product or proposal. Everything we publish is based on quantitative and qualitative assessments of each product. It is worth noting that our partners can directly influence the products we write and review about, as well as the order of the “best” articles and product positioning on Clube do Resumo. Given the amount of information on our site, we do not provide any guarantees about the quality or timeliness of the information; therefore, we prioritize information from our partners.

To protect your personal information, we take reasonable precautions and follow industry best practices to ensure that it is not inappropriately lost, misused, accessed, disclosed, altered, or destroyed.

Links to Third-Party Sites

Clube do Resumo has links to other websites, which, in our opinion, may contain useful information/tools for our visitors. Our Privacy Policy does not apply to third-party sites. We are not responsible for the privacy policy or content on these sites. Clube do Resumo exercises no control over them and, therefore, is exempt from any liability in the relationships established between the User and the products and services of third parties advertised on the blog.

Once you leave our site or are redirected to a third-party website or application, you will no longer be governed by this Privacy Policy or our website’s Terms of Service.

If after providing your data you change your mind, you may withdraw your consent for us to contact you, for the continued collection, use, or disclosure of your information, at any time, by contacting us.

Non-Personal Data

When users do not request free content from Clube do Resumo (e-books, quizzes, articles, infographics, financial tips, etc.), tracking and collection of non-personal data may occur, indicating, among other details, which pages of the site were visited, when they were visited, which hyperlinks were clicked, and which content or services were requested or indicated, among others.

Cookies

Google, as a third-party vendor, uses cookies to display ads. With the DART cookie, Google can display ads based on visits that the reader has made to other websites on the Internet. Users can disable the DART cookie by visiting Google’s content and ad network privacy policy.

Clube do Resumo uses cookies to assist in the collection of data and identification of IP (Internet Protocol) to facilitate the User’s navigation, helping to ensure security, protection, and data authenticity.

Additionally, we use third-party advertising on our website to support maintenance costs. Some of these advertisers may use technologies such as cookies when advertising on our website, which will also cause those advertisers (such as Google through Google AdSense and Ad Exchange) to receive your personal information, such as your IP address, your ISP, your browser, etc. This function is generally used for geotargeting (showing ads that make sense based on your geographical location).

The User may, at any time, change their acceptance of cookies in their browser settings, noting that disabling navigation cookies may affect some functionalities of Clube do Resumo.

Personally Identifiable Data

To access free content on Clube do Resumo, such as articles, ebooks, quizzes, among others, the user must provide some personally identifiable data, which include: email and full name.

The personally identifiable data processed by Clube do Resumo has the following purposes:

– Correct and accurate identification of the User, thus ensuring greater security and protection for the Users themselves;

– Access to the services and products provided by Clube do Resumo;

– Analysis of User profiles by Clube do Resumo to suggest the best products and information according to their actual needs and circumstances.

Aiming for a more accurate analysis of the User’s profile, Clube do Resumo may conduct research to obtain more and better information about you and thus recommend personalized products and services according to each User’s preferences and needs.

Thus, Clube do Resumo and partner companies may invite Users to participate in satisfaction surveys, where emails will be sent with the necessary instructions. The data collected will be used primarily to seek improvements in systems, products, content, and services offered by Clube do Resumo and partner companies.

If a user contacts us to report a problem, ask a question, or request support, we collect and store the user’s contact information, as well as the corresponding messages and other data necessary to investigate the problem or question. This data will be used to address any inquiries based on the information collected, resolve doubts, correct problems, and improve the system, further enhancing the User’s experience on Clube do Resumo.

About Data Sharing

Clube do Resumo will not sell its Users’ information or personal data but may share it with partner companies to recommend products and services that best suit their profile and needs or to provide products and/or services requested by the User themselves.

Clube do Resumo reserves the right to assist or cooperate with any judicial authority or government agency and may share Users’ personally identifiable data to:

a) establish or exercise its legal rights;

b) protect its properties;

c) when it considers that its assistance or cooperation is necessary to protect its Users, employees, administrators, or any person harmed by the action or omission.

About Untreated and Uncollected Data

Clube do Resumo does not process the personal data of children under 13 (thirteen) years old without prior authorization from their parents or legal guardians.

If personal data from children under 13 (thirteen) years old is collected and processed without the express authorization of their parents or legal guardians, unintentionally, Clube do Resumo will delete all collected data without any prior notice.

If a User becomes aware that we have mistakenly processed a child’s data, we ask that they contact us immediately so we can take the appropriate measures.