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Privacy Policy


Last Updated: March 10, 2026

The Net Dinheiro portal establishes this Privacy Policy to reaffirm its commitment to security, transparency, and respect in the handling of users’ personal data. This document explains how data is collected, used, and processed, in strict compliance with Brazil’s General Data Protection Law (Law No. 13.709/18 – LGPD) and Google’s global Publisher Policies.

1. TRANSPARENCY: WHO IS RESPONSIBLE FOR THIS PORTAL?
1.1. Controller Identification: This financial news and education portal is owned and operated by SPUN MIDIA LTDA, registered under CNPJ No. 43.629.487/0001-89, with headquarters in Rio Grande do Sul, Brazil. For legal purposes, this company acts as the Data Controller of the collected information.
1.2. Contact Channel (DPO): In accordance with Article 41 of the LGPD, we have appointed a Data Protection Officer (DPO) to serve as the communication channel between the portal, users, and the Brazilian Data Protection Authority (ANPD). Requests can be sent to: [email protected].

2. TARGET AUDIENCE AND AGE RESTRICTION
2.1. Scope: This Privacy Policy applies to all individuals who access any website, portal, or digital platform operated by SPUN MIDIA LTDA or companies within its corporate group.
2.2. Adults Only: The content provided on this portal is intended exclusively for individuals aged 18 or older.
2.3. Protection of Minors: We do not knowingly collect or request data from children or minors. If such data is identified, it will be promptly deleted without prior notice, in accordance with Article 14 of the LGPD.

3. DATA CATEGORIES AND PURPOSES OF PROCESSING
We only process data strictly necessary for the operation of the platform:

3.1. User-Provided Personal Data:
Data:

  • Full name

  • Email address

Purpose: Registration in our mailing list to send newsletters, market updates, educational materials, and marketing communications.
Legal Basis: Consent (Article 7, I, LGPD).

3.2. Automatically Collected Data:

  • IP address

  • Browser type

  • Operating system

  • Pages visited

  • Time spent on pages

  • Site interactions

  • Cookies and online identifiers

Purpose: Monitoring access for cybersecurity, fraud prevention, and compliance with legal obligations regarding log storage.
Legal Basis: Legal obligation (Brazilian Internet Civil Framework) and fraud prevention.

3.3. Browsing and Profiling Data (Cookies):
Data:

  • Page view history

  • Interaction with banners

  • Time spent on the site

Purpose: Audience analytics and personalized advertising based on user interests.
Legal Basis: Legitimate interest (Article 7, IX, LGPD).

4. ADVERTISING, GOOGLE ADS, AND THIRD PARTIES
To keep our content free, we use third-party advertising technologies:
4.1. Third-Party Providers: Google, as an advertising provider, uses cookies to display ads based on users’ previous visits.
4.2. Advertising Cookies: These cookies allow Google and its partners to deliver relevant ads based on browsing behavior and interests.
4.3. User Control: Users may opt out of personalized advertising by accessing Google Ads Settings.

5. DATA SHARING WITH THIRD PARTIES AND STAFF
5.1. Internal Access: Access to user data is restricted to authorized employees and collaborators who require it for operational purposes. All are bound by strict confidentiality agreements.
5.2. Limited Use: Service providers are required to use shared data solely for the purposes defined in this Policy and are prohibited from using it for their own benefit or selling it.
5.3. Legal Requests: We may disclose data to law enforcement or authorities when required by law or court order.

6. DATA RETENTION AND LIFECYCLE
We follow the principle of necessity, retaining data only as long as needed:
6.1. Personal Data: Name and email remain in our database while the user maintains interest in our content. Data is deleted upon request (opt-out) as quickly as possible.
6.2. Connection Logs: Stored for at least 6 months, in accordance with Brazilian law.
6.3. Tracking Data: Cookies may be stored for up to 24 months.
6.4. Exceptional Retention: Data may be retained longer to comply with legal obligations or for legal defense purposes.

7. INTERNATIONAL DATA TRANSFER AND SECURITY
7.1. Global Infrastructure: As we use cloud services and international analytics tools (such as Google servers), personal data may be processed outside Brazil. We ensure such providers follow international security standards.
7.2. Security Measures: We implement robust technical safeguards, including HTTPS (SSL/TLS) encryption, to ensure secure communication between users and our servers.

8. DISCLAIMER AND AFFILIATE LINKS
8.1. External Navigation: Our portal is informational and educational. By clicking on links to banks or financial institutions, users will be redirected to external websites.
8.2. Limitation of Liability: We do not control third-party privacy practices. Once users leave our domain, responsibility for data processing lies with the external site. We recommend reviewing their privacy policies.

9. DATA SUBJECT RIGHTS
In accordance with Article 18 of the LGPD, users (or their legal representatives) have the right to:

  • Confirm and access their data

  • Request corrections of inaccurate or incomplete data

  • Request deletion of data processed based on consent

  • Withdraw consent for marketing communications at any time

To exercise these rights, contact our DPO at: [email protected]
Users may also unsubscribe at any time via the opt-out link included in emails.