Your Privacy Rights

Last Updated: January 15, 2026

Information We Collect

Jfontes Solucoes Financeiras LTDA collects various types of information to provide our financial services effectively. We gather personal data including your full name, email address, phone number, financial information, and identification documents as required for our services. Our systems automatically collect technical information such as IP addresses, browser types, device identifiers, and usage patterns when you interact with our platform. We may also receive information from third-party sources including credit bureaus, financial institutions, and business partners to verify your identity and assess creditworthiness.

SMS and TCPA Consent

By providing your mobile phone number, you expressly consent to receive SMS messages from Jfontes regarding your account, promotional offers, and service updates. Message frequency may vary but will not exceed 4 messages per week. Standard message and data rates may apply as determined by your wireless carrier. You can opt out at any time by replying STOP to any message. Additional help is available by replying HELP or contacting our support team. Your consent is not required as a condition of purchasing our services, and you may revoke it at any time.

Cookie Policy and Tracking Technologies

Our website utilizes cookies and similar tracking technologies to enhance your browsing experience and analyze site performance. Essential cookies are necessary for basic website functionality and cannot be disabled. We also use analytics cookies to understand user behavior, preference cookies to remember your settings, and marketing cookies for targeted advertising. You can manage cookie preferences through your browser settings, though disabling certain cookies may limit website functionality. We employ web beacons, pixel tags, and local storage technologies to collect usage data and improve our services.

How We Use Your Information

The information we collect serves multiple purposes in delivering our financial services and maintaining our business operations. We use your data to process applications, verify identity, assess creditworthiness, and provide ongoing account management services. Your information helps us communicate important updates, respond to inquiries, and deliver customer support. We analyze usage patterns to improve our services, develop new products, and enhance user experience. Additionally, we use collected data for fraud prevention, regulatory compliance, and internal business analytics.

California Consumer Privacy Act (CCPA) Rights

California residents have specific rights under the CCPA regarding their personal information. You have the right to know what personal information we collect, use, disclose, and sell about you. You can request access to your personal information and obtain a copy of the data we maintain about you. California residents may request deletion of their personal information, subject to certain exceptions for legal and business purposes. You have the right to opt-out of the sale of personal information, though we do not currently sell personal data. We will not discriminate against you for exercising these rights. To exercise your CCPA rights, contact us using the information provided below.

Data Security Measures

We implement comprehensive security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. Our security framework includes industry-standard encryption protocols for data transmission and storage. We maintain secure servers with regular security audits, intrusion detection systems, and access controls limiting employee access to personal information. Our staff receives regular security training, and we have incident response procedures for potential data breaches. While we strive to protect your information, no system is completely secure, and we cannot guarantee absolute security of transmitted data.

Third-Party Information Sharing

We may share your information with carefully selected third parties under specific circumstances and safeguards. Service providers and business partners receive limited information necessary to perform functions on our behalf, including payment processing, identity verification, and customer support. We share information with regulatory authorities and law enforcement when required by applicable laws or legal proceedings. In the event of a merger, acquisition, or sale of assets, your information may be transferred to the acquiring entity. We do not sell personal information to third parties for marketing purposes without your explicit consent.

Children's Privacy Protection

Our services are designed exclusively for adults and individuals who can form legally binding contracts. We do not knowingly collect personal information from children under the age of 18 without verifiable parental consent. If we discover that we have inadvertently collected information from a minor, we will promptly delete such information from our systems. Parents or guardians who believe we may have collected information from their child should contact us immediately. We comply with applicable laws regarding children's privacy, including enhanced protections for minors' personal information.

International Data Transfers

As a Brazilian company operating internationally, we may transfer your personal information across borders to fulfill our services and business operations. We ensure appropriate safeguards are in place for international transfers, including contractual protections and adherence to recognized data protection frameworks. When transferring data outside Brazil, we comply with Lei Geral de Proteção de Dados (LGPD) requirements and implement adequate security measures. We only transfer data to countries or organizations that provide appropriate levels of data protection or have entered into suitable data processing agreements with us.

Your Privacy Rights and Choices

You have various rights regarding your personal information and how we process it. You can request access to your personal data, obtain copies of information we maintain, and request corrections to inaccurate information. You have the right to request deletion of your personal information, subject to legal and regulatory requirements. You can object to certain processing activities and request restriction of processing under specific circumstances. You may withdraw consent for voluntary data processing activities and opt-out of marketing communications. To exercise these rights, please contact our support team with proper identification verification.

Data Retention Policies

We retain your personal information for as long as necessary to fulfill the purposes outlined in this privacy policy and comply with legal obligations. Account information is typically retained for the duration of your relationship with us and for a reasonable period thereafter for business and legal purposes. Financial records and transaction data are maintained according to regulatory requirements, which may extend retention periods beyond account closure. We regularly review our data retention practices and securely dispose of information that is no longer needed. Specific retention periods may vary based on the type of information and applicable legal requirements.

Automated Decision-Making and Profiling

We may use automated systems and algorithms to process your information for credit assessments, fraud detection, and service personalization. These automated processes help us make faster decisions and provide more efficient services while maintaining consistency and fairness. You have the right to request human review of automated decisions that significantly affect you and to understand the logic behind such decisions. We regularly monitor our automated systems for bias and accuracy, implementing safeguards to ensure fair treatment. You can contact us to discuss any concerns about automated decision-making affecting your account or services.

Privacy Policy Updates and Changes

We reserve the right to modify this privacy policy at any time to reflect changes in our practices, services, or legal requirements. Material changes to this policy will be communicated through prominent notices on our website, email notifications to registered users, or other appropriate communication channels. The effective date at the top of this policy indicates when the latest version was implemented. We encourage you to review this policy periodically to stay informed about how we protect your information. Continued use of our services after policy updates constitutes acceptance of the revised terms.

Contact Information and Data Protection Officer

For questions, concerns, or requests regarding this privacy policy or our data practices, please contact us through the following channels:

We are committed to addressing your privacy concerns promptly and will respond to inquiries within 30 days of receipt. This privacy policy is effective as of January 15, 2026.