Privacy Notice
Last Updated: January 28, 2026
Introduction and Scope
This Privacy Policy governs the collection, use, and protection of personal information by Libera Credito Solucoes Financeiras LTDA ("Libera," "we," "us," or "our") through our website liberaco.com and related services. This policy applies to all users accessing our platform and describes our commitment to safeguarding your privacy rights. By using our services, you acknowledge that you have read and understood this Privacy Policy. We reserve the right to update this policy as our services evolve and legal requirements change.
SMS Communications and TCPA Compliance
By providing your mobile phone number and opting into our SMS service, you expressly consent to receive text messages from Libera regarding your account, promotional offers, and service updates. Message frequency may vary but will not exceed 4 messages per week. Standard message and data rates may apply as determined by your mobile carrier. You may opt out of SMS communications at any time by replying "STOP" to any message, and you will receive a confirmation of your cancellation. Reply "HELP" for assistance or contact our support team directly.
Security Measures and Data Protection
We implement comprehensive security measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. Our security infrastructure includes encrypted data transmission, secure server environments, regular security audits, and access controls limiting employee access to personal information. We use industry-standard SSL encryption for all data transfers and maintain firewalls to protect against unauthorized intrusion. Despite our efforts, no internet-based system is completely secure, and we cannot guarantee absolute security of your information.
Information We Collect
We collect various types of information to provide and improve our financial services:
- Personal identification information including name, email address, phone number, and government-issued identification numbers
- Financial information such as income details, employment status, banking information, and credit history
- Device and technical information including IP address, browser type, operating system, and device identifiers
- Usage data encompassing page views, click patterns, session duration, and feature interactions
- Location information derived from IP address or GPS data when permitted
- Communications records including customer service interactions and feedback
Cookies and Tracking Technologies
Our website utilizes cookies, web beacons, and similar tracking technologies to enhance user experience and analyze website performance. Essential cookies are necessary for basic website functionality and cannot be disabled. Analytics cookies help us understand user behavior and improve our services. Marketing cookies enable personalized advertising and promotional content delivery. You can manage cookie preferences through your browser settings, though disabling certain cookies may limit website functionality. We also use third-party analytics services that may collect information about your online activities across different websites.
How We Use Your Information
The information we collect serves multiple purposes in delivering our financial services:
- Processing loan applications and conducting creditworthiness assessments
- Verifying identity and preventing fraudulent activities
- Communicating about account status, payment reminders, and service updates
- Personalizing user experience and recommending relevant financial products
- Complying with legal obligations and regulatory requirements
- Conducting market research and improving our service offerings
- Providing customer support and resolving inquiries
Children's Privacy Protection
Libera's services are designed exclusively for individuals who are 18 years of age or older, and we do not knowingly collect personal information from children under 18. If we become aware that we have inadvertently collected information from a minor, we will take immediate steps to delete such information from our systems. Parents or guardians who believe their child has provided personal information to us should contact our support team immediately. We encourage parents to monitor their children's online activities and educate them about sharing personal information online.
Information Sharing and Third-Party Disclosure
We may share your information with carefully selected third parties under specific circumstances:
- Financial institutions and lending partners for loan processing and servicing
- Credit bureaus and reporting agencies for creditworthiness verification
- Service providers including payment processors, data analytics companies, and customer support platforms
- Legal authorities when required by law, court order, or regulatory compliance
- Business partners for joint marketing initiatives, with your explicit consent
- Professional advisors including attorneys, accountants, and auditors
California Consumer Privacy Act (CCPA) Rights
California residents have specific rights regarding their personal information under the CCPA. These rights include the ability to know what personal information we collect, use, and share about you. You may request deletion of your personal information, subject to certain exceptions. California consumers can opt out of the sale of personal information, though Libera does not sell personal information to third parties. You have the right to non-discrimination for exercising your CCPA rights. To exercise these rights, contact us using the information provided in this policy, and we will verify your identity before processing requests.
Data Retention Policies
We retain personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, comply with legal obligations, and resolve disputes. Financial transaction records are typically retained for seven years following account closure or final payment. Marketing communication preferences are maintained until you opt out or close your account. Technical and usage data may be anonymized and retained indefinitely for analytics purposes. Upon request and where legally permissible, we will delete or anonymize your personal information in accordance with applicable data protection laws.
International Data Transfers
As a Brazilian company, we primarily process and store data within Brazil in compliance with the Lei Geral de Proteção de Dados (LGPD). However, some of our service providers and technology partners may be located outside Brazil, necessitating international data transfers. When transferring data internationally, we ensure appropriate safeguards are in place, including contractual protections and adequacy determinations. We limit international transfers to what is necessary for service provision and maintain the same level of protection regardless of data location.
User Rights and Data Control
You maintain certain rights regarding your personal information, including:
- Access to information we hold about you and how it is used
- Correction of inaccurate or incomplete personal data
- Deletion of personal information in certain circumstances
- Portability of data to another service provider where technically feasible
- Objection to processing for direct marketing purposes
- Restriction of processing under specific conditions
- Withdrawal of consent where processing is based on consent
Privacy Policy Updates and Modifications
This Privacy Policy may be updated periodically to reflect changes in our practices, services, or applicable laws. Material changes will be communicated through email notification, prominent website notices, or SMS messages for users who have opted into text communications. The effective date of any revised policy will be clearly indicated at the top of the document. Continued use of our services after policy updates constitutes acceptance of the revised terms. We encourage users to review this Privacy Policy regularly to stay informed about our data practices.
Contact Information and Support
For questions, concerns, or requests related to this Privacy Policy or your personal information, please contact Libera Credito Solucoes Financeiras LTDA using the following information:
- Email: [email protected]
- Phone: +15035979136
- Mailing Address: 92 Alameda Euvaldo Luz, Salvador, BA 41098020, Brazil
- CNPJ: 48974783000130
- Website: liberaco.com
Our support team is available to assist with privacy-related inquiries and will respond to requests within a reasonable timeframe as required by applicable law. This Privacy Policy is effective as of January 5, 2026.