Compare
Empréstimos - Terms of Use and Privacy Policy
Effective as of: September 24, 2024
App Name: Compare Empréstimos
App ID: co.apps.emprestimoideal
App Link: Compare Empréstimos on Google Play
Developer Name: 4AppsHub
● A simplified guide to helping you compare and choose a loan.
● A resource for understanding loan options and features.
● We are not a financial institution.
● We do not provide loans directly and are not affiliated with financial institutions.
By using the Compare Empréstimos app, you agree to this Privacy Policy and Terms of Use. If you do not agree with any of the conditions set forth, please discontinue the use of the Service.
This Privacy Policy of Compare Empréstimos, developed by UNIVERSO CURIOSO SOLUÇÕES EM NETWORK LTDA ("UNIVERSO CURIOSO," "we," "us," or "our"), explains how we collect, use, and share your information when you use our Service. It also outlines your rights and obligations regarding your data.
4AppsHub is the developer account under which Compare Empréstimos is published. This account is managed by UNIVERSO CURIOSO SOLUÇÕES EM NETWORK LTDA, responsible for all the content and maintenance of the app. UNIVERSO CURIOSO is the registered legal entity (CNPJ) behind the operations of 4AppsHub.
● Personal Data: We do not collect or store any personally identifiable information.
● Usage Data: We collect anonymized information that your browser or mobile device sends when accessing the Service, including IP address, browser type and version, pages visited, time spent on pages, device identifiers, and other diagnostic data. For mobile access, we may also collect device type, unique device ID, and mobile operating system data.
The collected data is used for:
● Service Maintenance: To provide and maintain the Service.
● User Support: To assist users with issues or inquiries.
● Service Improvement: To enhance the Service based on user feedback.
● Monitoring and Security: To ensure secure use of the Service.
● Business Analytics: To improve the user experience through aggregated insights.
We retain Usage Data for internal analysis and compliance with legal obligations. Data will be anonymized or deleted once no longer required, in accordance with applicable laws.
These Terms of Use govern your use of the Compare Empréstimos app. By using the Service, you agree to these terms.
Compare Empréstimos is a loan comparison platform that helps users find and compare personal loan offers from various financial institutions. The app does not provide loans directly but connects users to third-party lenders.
Users can compare personal loan options with details including:
● Minimum and Maximum Period for Repayment: 3 to 48 months.
● Annual Percentage Rate (APR): 210% to 435.02% per year.
● Loan Amount: R$250.00 to R$30,000.00.
● Monthly Interest Rate: 9.9% to 20.8%.
● Total Effective Cost (CET): 12.06% to 25.18% per month.
For example, a loan of R$1,000.00 over 18 months would consist of 18 monthly payments of R$166.37. The total amount repayable would be R$2,994.66, with an interest rate of 14.8% per month (423.96% per year) and a CET of 435.02% per year.
● NO GUARANTEE OF ACCURACY: Compare Empréstimos does not guarantee the accuracy of information and disclaims all liability for errors in content.
● INFORMATIONAL PURPOSES ONLY: The Service is for educational and informational purposes and does not constitute legal or financial advice.
Compare Empréstimos is controlled and operated by UNIVERSO CURIOSO in Brazil. Usage Data may be transferred to servers outside your jurisdiction in compliance with applicable data protection laws.
We may engage third-party companies to help us operate the Service. These providers may have access to anonymized Usage Data to perform tasks on our behalf and are bound by confidentiality obligations. They are prohibited from disclosing or using the data for any other purpose.
|
Provider |
Purpose of Sharing |
|
Google Analytics |
To track and monitor the use of our Service. Data may be used by Google to personalize ads. More info: Google Privacy |
|
Firebase |
An analytics service provided by Google Inc. You can disable certain features through your device settings. More info: Firebase Privacy |
|
Google AdSense & DoubleClick |
Third-party ads via Google. You can opt out of DoubleClick cookies. More info: Google Ads Preferences |
|
AdMob by Google |
Ads service by Google Inc. You can deactivate AdMob through your device settings. More info: Google AdMob Privacy |
|
MoPub |
Ad service by MoPub Inc. You can opt out of MoPub tracking. More info: MoPub Privacy |
|
AppLovin |
Ad service by AppLovin Corporation. You can opt out of AppLovin tracking. More info: AppLovin Privacy |
All data is stored in anonymized form on secure servers. We use industry-standard security measures to protect against unauthorized access, but no system is completely secure.
We take significant steps to secure your data but cannot be held responsible for unauthorized access or breaches caused by third parties.
Compare Empréstimos complies with all state and local regulations related to financial services. Our app ensures that users receive clear information about personal loans, including detailed disclosures about loan terms, fees, repayment schedules, and associated risks.
We respect your privacy and do not collect or store any personal data without consent. For requests or questions about your data, contact us at: contato@universocurioso.com.br.
For support or questions about this Privacy Policy or Terms of Use, contact us at: contato@universocurioso.com.br.