Privacy Policy

Introduction

CAMED MICROCREDITO E SERVICOS LTDA ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you engage with our business management consulting and microcredit services.

By engaging with our services, you agree to the collection and use of information in accordance with this policy.

Information We Collect

We may collect the following types of information:

• Personal Identification: Name, CPF, RG, date of birth, and identification documents.
• Contact Information: Phone number, email address, and residential address.
• Financial Information: Income details, bank account information, credit history, and financial statements.
• Business Information: Company name, CNPJ, business address, business financial records, and operational data.
• Consulting Records: Business assessments, strategic plans, recommendations, and service history.
• Credit Application Data: Loan applications, credit assessments, repayment records, and collateral information.

Financial Information & Credit Services

As a microcredit service provider, we collect detailed financial information to assess creditworthiness and provide appropriate financial products. This information is essential for responsible lending practices and is handled with the highest level of confidentiality and security in compliance with Brazilian financial regulations.

How We Use Your Information

We use the collected information for the following purposes:

• To provide business management consulting services
• To assess credit applications and determine loan eligibility
• To process microcredit disbursements and manage loan accounts
• To develop strategic business plans and recommendations
• To monitor loan repayments and account status
• To communicate about services, account updates, and payment reminders
• To comply with financial regulations and reporting requirements
• To prevent fraud and protect against financial risks
• To improve our services and develop new solutions

Credit Reporting & Financial Bureaus

In accordance with Brazilian regulations, we may report credit information to credit bureaus and financial information systems. This includes payment history, loan status, and default information. We may also consult credit bureaus as part of our credit assessment process.

Data Security

We implement robust security measures to protect your personal and financial information against unauthorized access, alteration, disclosure, or destruction. This includes encryption, secure storage systems, access controls, and regular security assessments. Financial data is handled in compliance with Central Bank of Brazil regulations and industry security standards.

Data Retention

We retain your information for the periods required by Brazilian financial regulations, tax laws, and Central Bank requirements. Credit and loan records are maintained as required by applicable regulations, which may extend several years after the end of the business relationship. Consulting records are maintained for the duration of our engagement and as required for legal purposes.

Information Sharing

We do not sell or rent your personal information to third parties. We may share your information only in the following circumstances:

• With your explicit consent
• With credit bureaus and financial information systems (as required by law)
• With regulatory authorities (Central Bank, tax authorities)
• With financial partners for loan processing (under confidentiality agreements)
• To comply with legal obligations or court orders
• To protect our rights and recover outstanding debts (within legal limits)

Consulting Confidentiality

All business information shared during consulting engagements is treated as strictly confidential. We do not disclose your business strategies, financial data, or competitive information to third parties without your explicit consent. Our consultants are bound by confidentiality obligations.

Your Rights

In accordance with Brazilian data protection laws (LGPD - Lei Geral de Proteção de Dados) and financial consumer protection regulations, you have the right to:

• Access your personal and financial data held by us
• Request correction of inaccurate or incomplete data
• Request deletion of your data (subject to legal and regulatory retention requirements)
• Receive information about credit decisions made about you
• Object to the processing of your data
• Request data portability
• Withdraw consent for optional data processing
• File a complaint with the National Data Protection Authority (ANPD)

Regulatory Compliance

Our operations comply with Brazilian financial regulations, including Central Bank of Brazil requirements for microcredit institutions, anti-money laundering (AML) regulations, and consumer protection laws. We maintain all required documentation and follow established protocols for financial services.

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or regulatory requirements. We will notify clients of significant changes and update the "Last updated" date. We encourage you to review this Privacy Policy periodically.

Contact Us

If you have any questions about this Privacy Policy, wish to exercise your rights, or have concerns about how we handle your information, please contact us: