1. General Information
This Privacy Policy contains information about the collection, use, storage, processing, and protection of personal data of users and visitors of the perspec.com.br website, with the purpose of demonstrating absolute transparency regarding the subject and clarifying to all interested parties about the types of data collected, the reasons for collection, and how users can manage or delete their personal information.
This Privacy Policy applies to all users and visitors of the perspec.com.br website and integrates the General Terms and Conditions of Use of the perspec.com.br website.
2. How do we collect the user's and visitor's personal data?
The user and visitor's personal data is collected by the platform as follows:
- When the user creates a proposal (proposal form): this data is basic identification data, such as full name, CPF, email address, and phone number. From them, we can identify the user, aiming at providing our bank correspondence service.
- When a user accesses and navigates our website: when you access and navigate our website, some personal data is collected through cookies, as described in this Privacy Policy.
- Through third parties: Perspec may receive personal data from third parties, such as business partners, financial institutions, and marketing platforms.
3. What personal data do we collect about the user?
The user's personal data collected are the following:
- Identification data (name, CPF, RG)
- Contact data (email, phone, address)
- Financial data (income, assets — only for credit simulation)
- Navigation data (cookies, IP address, time and duration of access)
4. For what purposes do we use the user's personal data?
The user's and visitor's personal data collected and stored by Perspec have the following purpose:
- User and visitor well-being: improving the product and/or service offered
- Platform improvements: understanding how the user uses the services
- Commercial: the data is used for commercial contact and credit proposals
- User profile prediction: automated processing of personal data
- Registration data: to allow user access to certain contents
5. How long is the personal data stored?
The user's and visitor's personal data are stored by the platform for the period necessary to legally provide the service or fulfill the purposes provided in this document, according to the provisions of item I of article 15 of Law 13.709/18 (LGPD - General Data Protection Law of Brazil).
6. Security of stored personal data
The platform commits to applying technical and organizational measures capable of protecting personal data from unauthorized access and situations of destruction, loss, alteration, communication, or diffusion of such data.
7. Will the stored personal data be transferred to third parties?
Personal data may be shared with partner financial institutions, exclusively for the purpose of credit analysis and approval, upon the user's consent.
8. Cookies
Cookies are small text files sent by the platform to the user's and visitor's computer and stored there, with information related to navigation on the site. The cookies used by the platform are:
- Necessary: essential for the site to function
- Functional: remember user preferences
- Analytical: collect data about navigation for improvements
9. Consent
By using the services and providing personal information on the platform, the user is consenting to this Privacy Policy. The user, when registering, manifests knowing and can exercise their rights to cancel their registration, access and update their personal data, and guarantees the veracity of the information provided by them.
10. Changes to this Privacy Policy
We reserve the right to modify this Privacy Policy at any time, so it is recommended that the user and visitor review it frequently. Changes and clarifications will take effect immediately after their publication on the platform.
11. Legislation and Jurisdiction
This Privacy Policy will be governed, interpreted, and executed following the Laws of the Federative Republic of Brazil, especially Law No. 13.709/2018 (LGPD), regardless of the Laws of other states or countries, being competent the forum of the user's domicile to resolve any doubt arising from this document.