Terms of Use and Privacy Policy

Cookie Policy

We use cookies and analytics tools, such as Google Analytics and Microsoft Clarity, to understand how you interact with our website and continuously improve your browsing experience.

Tools used:

  • Google Analytics: collects anonymized data about visited pages, browsing time, and other metrics, helping us understand user behavior and improve our services.
  • Microsoft Clarity: records user interactions, such as clicks and mouse movements, to help us improve the website experience.

Legal basis:

The use of these tools falls under the legal concept of “legitimate interest” provided for in article 7, item IX, and article 10 of Federal Law 13.709/2018, the General Data Protection Law (LGPD), which allows the processing of personal data without express consent when necessary for legitimate purposes of the controller or third parties. The collected data is properly processed, anonymized, and used only for statistical purposes and website improvement.

Cookie settings:

Although the cookies used are necessary for our analysis, you may adjust your browser settings to block cookies if you prefer. Please refer to your browser instructions to manage cookies.

By continuing to browse our website, you agree to the use of these tools as described in this policy.

User's exclusive responsibilities:

The platform offers tools and information to facilitate financial management, but it is not responsible for any personal financial problems that may arise, even while using our services. It is the user's sole responsibility to interpret the information provided by our service and, above all, to assess and manage their own personal finances.

If the platform's reminder functionality fails, the platform shall not be responsible for the user's failure to meet payment obligations, and it is the user's responsibility to maintain additional control over the due dates of their obligations.

Advertising and Remarketing

We may use your contact details, certain registration information, and platform usage data to improve our marketing campaigns and communication about our services, including on advertising platforms.

When you accept advertising cookies, we may also use information from your browsing for result measurement, ad personalization, and performance analysis purposes.

This data is shared with partners that provide technology and media services, such as advertising platforms, exclusively for result measurement, ad personalization, and performance analysis purposes. We do not sell your personal data to third parties.

In some cases, this processing is carried out based on the controller's “legitimate interest,” in accordance with the LGPD, only for the purposes provided for in this policy.

We may also use platform usage information (e.g., time of use, performance of specific actions) to create events that help us measure engagement and promote campaigns on marketing platforms.

Data is always processed using protection techniques, such as encryption and anonymization, and is never sold to third parties.

You may manage or revoke your consent at any time through cookie options and, if you do not want your data to be used for advertising or targeting on ad platforms, you may object to such processing by contacting our support channels.

Communication policy:

We may contact you via WhatsApp or email to inform you about new features, updates, and other matters related to our services. Your contact information will be used exclusively for these specific purposes and will not be shared with third parties without your consent, except when required by law or necessary to fulfill contractual obligations.

Processing of personal data in compliance with the LGPD:

Subject to the data use permissions provided for in this instrument, we will process users' personal data and information in connection with our services, committing, during and after the term of this Agreement, to comply with the legislation applicable to personal data protection and the privacy rights of Data Subjects, especially the General Data Protection Law (Law No. 13.709/2018) and the Brazilian Civil Rights Framework for the Internet (Law No. 13.543/2014).

In our capacity as operators of the personal data subject to processing in the course of providing the Services, we undertake, within our possibilities, to protect such personal data against unlawful or unauthorized processing, accidental or unlawful destruction by third parties, accidental damage or loss, and unauthorized alteration, disclosure, access, or processing;

After 03 (three) months counted from subscription cancellation, GranaZen may permanently delete and eliminate all user data, subject to legal retention obligations. Once deleted, the data cannot be recovered.

Default and collection

By contracting our services, you automatically acknowledge and agree that:

  • The system remains active until there is a formal cancellation request made through the GranaZen platform itself, since cancellation occurs on the user's own initiative.
  • The simple cancellation of the registered credit card or its disablement does not constitute cancellation of the services for the purposes of this agreement, and the financial obligations inherent to the use of our services remain in force;
  • If a charge attempt is made and the debit cannot be processed due to cancellation, disablement, or other issues with the registered credit card, the user will be considered in default;
  • In any case of default, collection may be carried out by a third-party company, and the customer's name may be reported to credit protection services, under the terms of applicable law, without prejudice to the interruption of access to the services at GranaZen's discretion.
  • Any failure to use GranaZen services, without formal cancellation, does not remove the obligation to pay while the contract remains active.

Withdrawal and Refund Policy

Pursuant to article 49 of Law 8078/1990 (Consumer Protection Code), the contracting party has the right to withdraw from the purchase of our services and receive a full refund of amounts already paid, provided that the request is made strictly within 07 (seven) uninterrupted days from the date of contracting, through our support channels.

The 07 (seven) day period for exercising the right of withdrawal begins on the day immediately following the contracting date and applies regardless of whether the user has used the services.

If the 07 (seven) day period from contracting has elapsed, the cancellation request will not be characterized as withdrawal, but rather as unilateral termination of the contract, and there will be no right to any refund of amounts already paid.