Privacy Policy

Your privacy is important to us. It is 4P Finance's policy to respect your privacy regarding any information we may collect on our sites.

By using our services, you understand that we will collect and use your personal information as described in this Policy, under the norms of the Federal Constitution of 1988 (art. 5º, LXXIX; and art. 22º, XXX – included by EC 115/2022), the Data Protection norms (LGPD, Federal Law 13.709/2018), the consumer provisions of Federal Law 8078/1990, and other applicable norms of the Brazilian legal system.

Thus, B4U Soluções de Cobrança e Pagamentos Ltda, trading name 4P Finance, registered under CNPJ/MF No. 46.977.494/0001-60, in the role of Data Controller, commits to the provisions of this Privacy Policy.

Request for Personal Information

We request personal information only when we really need it to provide you with a service. We do so by fair and legal means, with your knowledge and consent. We also inform you why we are collecting it and how it will be used.

Information Security Protocols

We understand the need to develop and integrate strict Information Security Standards to safeguard Personal Data and Sensitive Data.

Our mission is to guarantee the fundamental right to informational self-determination, while remaining faithful to the principles that guide Information Security:

Confidentiality
Integrity
Accountability and Non-repudiation
Authenticity
Data Availability

All 4P Finance employees with access to personal data are bound by the confidentiality and data protection duties defined in this policy from the moment they join the company.

Privacy by Default

By using the platform, the user assumes the inherent risks of transmitting information over the internet.

Data Collected

Our site collects and uses some of your personal data to enable the provision of services and improve the user experience.

Personal data provided by the data subject:

Name
Email
Decentralized wallet address
PIX key
CPF or CNPJ
Phone

Personal data collected automatically:

IP Address
Longitude and Latitude
City/State/Country
Provider
Autonomous System Number (ASN)

SMS Sending

Authorization for SMS Sending:
By accepting this Privacy Policy, the user expressly authorizes the sending of SMS messages by our application to the provided mobile phone number. These messages are used exclusively for operational purposes, such as two-factor authentication (2FA) and sending one-time passwords (OTP).
Cancellation of SMS Sending:
The user can, at any time, cancel the receipt of SMS messages by sending one of the following words: “CANCEL”, “QUIT“, “END“, “UNSUBSCRIBE“, “STOP“ or “STOPALL“ to the corresponding number. After cancellation, no SMS messages will be sent, except when necessary to restore account access, upon new authorization from the user.
Prohibition of Marketing Campaigns and Spam:
We do not use SMS messages for marketing, advertising, or any promotional campaigns. We are completely against the sending of spam and guarantee that SMS messages will be sent only for the purposes described in this Privacy Policy.
Purpose of Collecting the Mobile Number:
The mobile number provided by the user is collected exclusively for sending SMS messages necessary for two-factor authentication (2FA) and sending one-time passwords (OTP). We do not use the mobile number for other purposes.
Security and Data Protection:
The mobile number and all information provided by the user are stored in an encrypted form and with the best available security practices. Furthermore, we guarantee that no personal user information, including the mobile number, will be shared with third parties under any circumstances.
Help and Information:
If the user needs assistance or additional information about the SMS sending service, they can send the word “HELP” or “INFO” to the corresponding number. We will respond with instructions or detailed information to meet the request.

Consent

It is from your consent that we process your personal data. Consent is the free, informed, and unequivocal expression by which you authorize 4P Finance to process your data.

User Commitment

The user commits to making appropriate use of the content and information that 4P Finance offers on the site, such as:

Not engaging in illegal activities or those contrary to good faith and public order.
Not providing false information that compromises the integrity of the system.
Not disseminating propaganda or content of a racist, xenophobic nature, or related to gambling, among others.

Data Sharing

4P Finance shares user data only with third parties that have a legitimate need to comply with norms and the regular functioning of the service.

Storage Period

Your data will be stored for the time allowed by current law.

User Rights

Right of Access
Right to Information
Right to Rectification
Right to Anonymization
Right to Data Portability
Right to Deletion or Forgetting
Right to Object and Restrict Processing

Amendment

This Policy may be modified at any time by B4U, after approval by 4P Finance's administrators.

Validity

This policy is effectively valid from January 28, 2023.