Learn about the practices we adopt to protect your data
Protecting your data and your privacy is very important to Banco SEMEAR.
By browsing our website, requesting, or contracting products and services made available, you acknowledge and agree with our Privacy Policy, which describes how your information is collected, stored, used, and shared.
Our Privacy Policy will always be available for consultation.
Want to contact our team? Reach us at dpo@bancosemear.com.br.
Introduction
This Privacy Policy (“Policy”) regulates access to the content of the website, internet banking, mobile application, or any other digital channels developed and/or provided by Banco SEMEAR S.A., a financial institution duly registered with the CNPJ/MF under number 00.795.423/0001-45 (“Banco SEMEAR”).
Purpose
This Policy was created to reaffirm Banco SEMEAR’s commitment to security, privacy, and transparency in the processing of information collected from users of our digital channels.
It is available for consultation at any time in our Digital Channels. By using our channels, the user acknowledges and consents to the collection, storage, processing, and use of their information under the terms described herein.
The processing of such information by Banco SEMEAR is essential to ensure the security and quality of operations performed through our Digital Channels.
Legal Reference
This Policy is based on Law No. 13.709/2018 – LGPD (Brazilian General Data Protection Law).
Collection and Processing
Banco SEMEAR collects user information in the following ways:
- Information provided by the user when interacting with, contracting, or using products and services offered through our Digital Channels (e.g., name, CPF and RG, “selfie,” address, email, professional and income data).
- The user is solely responsible for the accuracy of the information provided.
- Banco SEMEAR may verify the accuracy of the data, request additional documents, or validate information through research and data checks.
- Information collected from user activity within the Digital Channels (e.g., financial transactions, credit/debit operations, payments, investments, device specifications, operating system, device model, geolocation, access time, IP address).
- These data help increase transaction security through real-time monitoring of unusual movements.
Information provided by third parties, such as credit bureaus, to validate user data and provide statistical behavior analysis.
Purposes of Data Use
The collection and processing of personal data by Banco SEMEAR are limited to what is necessary to:
- Verify and validate identity for registration and compliance purposes;
- Prevent and combat fraud and financial crimes;
- Ensure credit protection;
- Comply with regulatory obligations imposed by the Central Bank of Brazil;
- Enable offers and provide contracted services efficiently and securely;
- Develop, maintain, and enhance products and features;
- Serve as legal evidence in judicial, administrative, or arbitration proceedings, and comply with court or regulatory orders.
Access to Information
Access to stored information is restricted to authorized and qualified professionals, within the limits required to perform their duties.
Data Sharing
Banco SEMEAR may share some personal data (e.g., name, CPF, selfie, device specifications, geolocation, IP address) with third-party service providers and companies within the same economic group, for purposes such as:
- Providing contracted services (identification, authentication, fraud prevention through biometrics and facial recognition, proof of life);
- Protecting credit operations and preventing fraud (e.g., fraud scoring models);
- Enabling offers and services;
- Developing and improving resources, features, and systems.
👉 In cases where data sharing with third parties is necessary, Banco SEMEAR will sign confidentiality agreements to ensure information security and compliance with legal requirements.
Protection
Banco SEMEAR is committed to adopting technical, administrative, and organizational measures to protect information, including:
- Advanced technology solutions to prevent unauthorized access;
- Encryption and anonymization of data;
- Authentication and access logging mechanisms;
- Secure data storage;
Regularly audited processes aligned with our Cybersecurity, Information, and Privacy Policy.
User Rights and Assistance
Through Banco SEMEAR’s customer service channels, users may exercise their rights guaranteed by law, such as:
- Requesting information on data processing;
- Accessing or updating personal data;
- Obtaining details about data protection measures;
- Requesting status updates on data usage.
If the user no longer wishes their personal data to be processed or wishes to update their information, they may request this through our service channels, provided it does not conflict with legal or regulatory obligations.
For any questions, requests, or suggestions, our communication channels are always available.
