Privacy Policy

Welcome to Dividendos.me ("the App"). We value your privacy and are committed to protecting your personal information.

This Privacy Policy explains what information we collect, how we use it, how we protect it, and the choices you have regarding your data.

1. Information We Collect

Depending on the features you use, Dividendos.me may collect the following information:

• Account information, such as your name and email address.
• Authentication information required to access and protect your account.
• Investment, portfolio, asset, transaction, and dividend-related information that you choose to enter manually or import into the App.
• Device information, such as device model, operating system, application version, language, and device identifiers.
• Usage information, including interactions with the App, feature usage, performance data, and diagnostic data.
• Crash reports and technical logs used to identify and correct errors.
• Communications and information you provide when contacting customer support.

We seek to collect only the information necessary to provide, secure, maintain, and improve the App.

2. How We Use Your Information

We may use the information we collect to:

• Create and manage your account.
• Provide portfolio tracking, dividend monitoring, investment organization, and related features.
• Process, organize, calculate, and display the investment information provided by you.
• Synchronize your information across compatible devices.
• Personalize and improve the functionality and user experience of the App.
• Analyze performance, identify errors, and develop new features.
• Provide customer support.
• Detect and prevent fraud, abuse, security incidents, and unauthorized access.
• Comply with applicable legal and regulatory obligations.

3. Financial Information Disclaimer

Dividendos.me is an informational and portfolio management tool. The App does not provide individualized financial, investment, legal, accounting, or tax advice.

Information displayed in the App may be obtained from third-party sources and may be delayed, incomplete, or inaccurate. Users are responsible for verifying information before making financial or investment decisions.

4. Data Sharing

We do not sell your personal information.

We may share limited information in the following situations:

• With trusted service providers that help us operate the App, including cloud hosting, authentication, analytics, error monitoring, customer support, and payment processing providers.
• When necessary to provide a feature or integration requested by you.
• When required by law, court order, regulation, or a valid request from a competent governmental authority.
• When necessary to protect the rights, property, integrity, or security of Dividendos.me, our users, or third parties.
• In connection with a merger, acquisition, restructuring, financing, or transfer of all or part of our business, subject to applicable legal requirements.

Service providers are permitted to process information only as necessary to perform services on our behalf and must apply appropriate security and confidentiality measures.

5. Third-Party Services

The App may use or integrate with third-party services, including authentication providers, analytics platforms, cloud infrastructure, financial data providers, payment processors, and application distribution platforms.

These third parties may process information according to their own privacy policies. We recommend reviewing the privacy policies of any third-party service you choose to use.

6. Data Security

We implement reasonable technical, administrative, and organizational security measures designed to protect your information from unauthorized access, alteration, disclosure, loss, or destruction.

These measures may include encrypted communications, restricted access controls, secure cloud infrastructure, monitoring, and other industry-standard practices.

However, no electronic transmission, storage system, or security measure is completely secure. Therefore, we cannot guarantee absolute protection against every possible security risk.

7. Data Retention

We retain personal information only for as long as reasonably necessary to:

• Provide and maintain the App.
• Fulfill the purposes described in this policy.
• Comply with legal and regulatory obligations.
• Resolve disputes.
• Prevent fraud and abuse.
• Enforce our agreements.

When information is no longer required, we may delete, anonymize, or securely isolate it, subject to applicable legal retention requirements and backup cycles.

8. Account and Data Deletion

You may request the deletion of your account and associated personal information by contacting us using the information provided below or by using an account deletion feature available within the App, when applicable.

Following a valid deletion request, we will delete or anonymize the applicable information, except when retention is required for legal, security, fraud prevention, dispute resolution, accounting, or regulatory purposes.

9. Your Privacy Rights

Depending on your location and applicable law, including the Brazilian General Data Protection Law (LGPD), you may have the right to:

• Confirm whether we process your personal information.
• Access your personal information.
• Correct incomplete, inaccurate, or outdated information.
• Request anonymization, blocking, or deletion of unnecessary or unlawfully processed information.
• Request deletion of information processed based on consent, subject to applicable exceptions.
• Request information about third parties with whom your information has been shared.
• Withdraw consent when processing is based on consent.
• Request data portability where applicable and technically feasible.

We may request information necessary to verify your identity before processing a privacy-related request.

10. Children's Privacy

Dividendos.me is not intended for children under the minimum age required by applicable law.

We do not knowingly collect personal information from children without appropriate authorization. If you believe that a child has provided personal information through the App, please contact us so we can evaluate and address the situation.

11. International Data Processing

Your information may be processed or stored using service providers located in countries other than your country of residence.

When international transfers occur, we take reasonable measures to ensure that personal information receives an appropriate level of protection in accordance with applicable law.

12. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes to the App, our practices, legal requirements, or third-party services.

The updated version will be published on this page with a revised "Last updated" date. Where required, we may also provide notice within the App or through another appropriate communication channel.

13. Contact Us

For questions, requests, or concerns regarding this Privacy Policy or the processing of your personal information, contact us at: