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 our business management consultancy services.

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

Information We Collect

As a business management consultancy, we may collect the following types of information:

• Client Information: Business owner name, contact details, and company information.
• Business Information: CNPJ, business structure, and organizational details.
• Financial Data: Revenue, expenses, cash flow, and financial statements for analysis.
• Operational Data: Business processes, staffing, and operational information.
• Strategic Information: Business goals, challenges, and market position.
• Communication Records: Meeting notes, recommendations, and project correspondence.

How We Use Your Information

We use the collected information for the following purposes:

• To provide business management consultancy services
• To analyze your business situation and develop recommendations
• To create strategic plans and action items
• To monitor progress and adjust strategies
• To communicate about consultancy projects
• To issue invoices and process payments
• To comply with legal and regulatory requirements

Business Analysis & Planning

Our consultancy work requires detailed understanding of your business operations, finances, and goals. Information collected for analysis is used solely to develop recommendations and strategies. Analysis findings and strategic recommendations are confidential to your engagement.

Financial Information

When providing financial management guidance, we may review sensitive financial data including revenue, expenses, and cash flow. Financial information is treated with strict confidentiality. We do not share your financial data with third parties except as required for our consultancy services or by law.

Strategic & Competitive Information

Information about your business strategy, competitive position, and market opportunities is highly confidential. We implement strict safeguards to protect strategic information. Competitive insights are never shared with other clients or third parties.

Consultancy Records

We maintain records of consultancy sessions, recommendations, and action plans. These records help ensure continuity of service and track progress toward goals. Project documentation is retained for the duration of our engagement and for a reasonable period afterward.

Confidentiality Commitment

All information shared during consultancy engagements is treated as confidential. Our consultants are bound by professional confidentiality standards. We do not discuss your business with other clients or use your information for any purpose other than serving your consultancy needs.

Payment Processing

Payments for consultancy services are typically processed via bank transfer or other business payment methods. We retain billing records as required for accounting purposes. Financial information is treated with strict confidentiality.

Fiscal Documentation

For all services, we issue fiscal receipts (nota fiscal) as required by tax regulations. Business registration information (CNPJ) is collected and transmitted to tax authorities as required by law. We retain fiscal records as required by Brazilian tax legislation.

Data Security

We implement appropriate security measures to protect your business information against unauthorized access, alteration, disclosure, or destruction. Consultancy records and client information are stored securely. Access to client information is limited to consultants directly involved in your engagement.

Data Retention

Transaction and billing records are retained for the periods required by Brazilian tax regulations. Consultancy records may be retained to provide continuity of service. Records can be deleted upon request, subject to legal requirements.

Information Sharing

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

• With your explicit written consent
• With payment processors for transaction completion
• With tax authorities for fiscal compliance
• When required by law or legal process

Your Rights

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

• Access your business data and consultancy records held by us
• Request copies of recommendations and strategic plans
• Request correction of inaccurate information
• Request deletion of data (subject to legal requirements)
• Request information about how your data is processed
• File a complaint with the National Data Protection Authority (ANPD)

Changes to This Policy

We may update this Privacy Policy from time to time to reflect changes in our practices or regulatory requirements. Significant changes will be communicated to clients. 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: