Yoursbank privacy policy

When you use Yours Bank, you trust us with your data and information. Therefore, we are committed to maintaining this trust. In this sense, this Privacy Policy explains in a clear and accessible way how your information and data will be collected, used, shared and stored through our systems. 

Acceptance of our Policy will be made when you access or use the Yours Bank website and application, both provided by Yours Bank limited liability company.

This will indicate that you are aware of and fully agree with how we will use your information and data. 

This Privacy Policy indicates how your information and Personal Data will be collected, used, shared and stored due to the use of Services related to the partnership. 

This document is an integral part of the Terms of Use, which contain an overview of the Services and, without prejudice to other definitions attributed in this Policy, the definitions that are contemplated in the Terms of Use, apply to this Policy. 

Yours Bank limited company with headquarters in the city of Santa Rosa, state of Rio Grande do Sul, at Rua Guaporé, n° 235, Sala 1, Centro, CEP 98.780-082, registered with the CNPJ under nº 33.632.173/0001- 81 (“Yours Bank”), and DOCK SOLUÇÕES EM MEIOS DE PAGAMENTO SA, a privately held corporation with headquarters in the city of Barueri, state of São Paulo, at Avenida Tamboré, nº 267, Torre Norte, Edifício Canopus Corporate Alphaville, 10th floor, set 101-B, Alphaville, CEP 06460-000, registered with CNPJ under nº 08.744.817/0001-86 (“Partner”), provide a digital payment account with the aim of facilitating your purchases in Establishments and which also allows you to make withdrawals, transfer between accounts, pay bills and utility bills, top up your cell phone, among other features. 

In the context of your subscription to the Services and their use, you will have established a direct relationship with Yours Bank, which will be guided by the Terms of Use and any other documents that govern such relationship, as applicable. The Partner, in turn, is a business partner of Yours Bank and is part of the relationship established between You and Yours Bank insofar as the Partner makes available to You, together with Yours Bank, the financial components necessary to provide the Services, including, where applicable, card issuance and provision of a payment account. Due to the existence of this relationship, this Privacy Policy applies to the way in which Yours Bank and the Partner use your Personal Data jointly to enable the provision of Services. 

When You use the Services, You entrust Yours Bank and the Partner with your Personal Data. They are committed to preserving this trust. Therefore, this document was prepared with the aim of clarifying which Personal Data is collected from You and how such Personal Data is processed in the context of providing the Services.

ACCEPTANCE OF THIS POLICY MUST BE MADE WHEN YOU REGISTER ON OUR APPLICATIONS TO USE THE SERVICES. ACCEPTANCE WILL TAKE PLACE AT THE MOMENT YOU AFFIRMATIVELY AGREE TO THE USE OF YOUR DATA FOR EACH OF THE PURPOSES DESCRIBED HERE. THIS WILL INDICATE THAT YOU ARE AWARE OF AND IN FULL AGREEMENT WITH THE WAY IN WHICH YOUR INFORMATION AND DATA WILL BE USED. IF YOU DO NOT AGREE WITH THIS POLICY, PLEASE DO NOT ACCEPT IT AND DO NOT CONTINUE YOUR REGISTRATION PROCEDURE. HOWEVER, IF THIS HAPPENS, PLEASE EXPLAIN US THE REASON FOR THE DISAGREEMENT THROUGH THE CHANNELS INDICATED AT THE END OF THIS POLICY SO THAT WE CAN IMPROVE THE SERVICES. 

We have divided this Policy as follows, to facilitate your understanding: 

1. What do you need to know to understand this Policy? 
2. What types of data are collected? 
3. How do we use your data?
4. Who is your data shared with? 
5. Is personal data transferred internationally? 
6. What are your rights as a holder of personal data?
7. How long is data stored? 
8. How does Information Security work? 
9. How to talk to Yours Bank?
10. Policy Changes

This document should be read in conjunction with our Terms of Use (insert link), which contains an overview of our digital wallet. If you have questions or need to discuss any matter related to this Policy, please contact us via email: contato@yoursbank.com.br.

1. WHAT DO YOU NEED TO KNOW TO UNDERSTAND THIS POLICY?

This document was written in a simple and accessible way, with several examples of the collection and use of Personal Data, precisely so that You can read and understand how we use your Personal Data to offer you a safe and comfortable experience during use. of Services. 

With this in mind, we have systematized the definition of some key terms used in this Policy. In this sense, the words below, when used in the singular or plural, will have the following meanings, without prejudice to other definitions attributed in this Policy and in the Terms of Use. 

(i) Personal Data: any information related to an identified or identifiable natural person 

(ii) You or Data Holder: is the natural person to whom the Personal Data that is the subject of Processing refers.

(iii) Processing: any and all operations carried out with Personal Data, including, for example, but not limited to, collection, storage, alteration, consultation, sharing, transmission, access or deletion thereof.

(iv) Legal bases: these are the legal hypotheses that authorize the Processing of Personal Data, such as the consent of the Data Subject, the need to fulfill a contract we have with You, or compliance with a legal obligation, for example.

2. WHAT TYPES OF DATA ARE COLLECTED?

In general, the Personal Data that You provide is used so that You can enjoy the Services, as well as so that they can be improved. Your Personal Data is used to achieve the purposes presented in the table below, with the respective legal bases, which authorize its Processing:

 3. HOW DO WE USE YOUR DATA?

All data and information about you is treated as confidential and we will only use it for the purposes described here and authorized by you, mainly so that you can use Yours Bank fully, always aiming to improve your user experience. 

3.1. Authorized uses 

In this way, we may use your data to: 

• Allow you to access and use all Yours Banks features; 
• Send you messages regarding support or service, such as alerts, notifications and updates; 
• Communicate with you about products, services, promotions, news, updates, events and other matters in which you may be interested; 
• Analyze user traffic on our applications; 
• Personalize the service to increasingly suit your tastes and interests; 
• We create new services, products and features; 
• Detection and prevention of fraud, spam and security incidents; 
• Verify or authenticate the information you provide, including comparing it to data collected from other sources; 
• Better understand user behavior and build behavioral profiles; 
• Understand consumption patterns to provide special offers to our users, together with partner commercial establishments; 
• For any purpose that you authorize at the time of data collection; 
• Comply with legal obligations. 

Yours Bank collects location data to strengthen security and prevent fraud, even when the app is closed or not actively in use.

From time to time, we may use data for purposes not provided for in this privacy policy, but these will be within your legitimate expectations. Any use of your data for purposes that do not comply with this prerogative will be done with your prior authorization.

3.2 Monitoring 

Yours Bank reserves the right to monitor the entire platform, mainly to ensure that the rules described in our Terms of Use are being observed, or that there is no violation or abuse of applicable laws. 

3.3 User deletion 

Yours Bank reserves the right to exclude a specific user, regardless of type, if this Policy or the Terms of Use are not respected. As we value good relationships with users, we recognize that they have the right to seek to understand the reasons and even contest them, which can be done via the following email: enter email.

4. WHO IS YOUR DATA SHARED WITH? 

As it is a Service that involves payment operations, Yours Bank and the Partner may work together with other companies to carry out various activities, including assessing your financial capacity, such as checking your credit score and monitoring the status of your your registration with the CPF. Therefore, Yours Bank and the Partner reserve the right to share your Personal Data with third parties, in order to receive, analyze and make decisions on requests related to the Services. 

Such sharing with third parties may include Personal Data relating to your financial situation and, whenever possible, the sharing will be in a pseudo-anonymized form, aiming to preserve your privacy as much as possible.

Yours Bank and the Partner do not license or transfer your Personal Data, except for the types of companies listed below.

BAND: Your Personal Data, including your Card number, may be shared with Visa for integration (and its additional features, when indicated) into Visa's promotional platforms, so that You have access (and its additional , when indicated) to discounts, offers and promotions made available by Visa and its partners. We recommend reading the platform's Terms of Use and Privacy Notices available at www.vaidevisa.com.br. If You are not interested in participating in the promotional platform, you can access it and request your exclusion, or, if you prefer, activate one of Visa's communication channels and request your exclusion.

CREDIT BUREAU: Yours Bank and the Partner will share your Personal Data, when You consent to subscribing to the Services, with companies that carry out the analysis of your personal profile, in order to provide greater security to operations and avoid possible fraud, for This may indicate that your data has been consulted by Yours Bank and/or the Partner.

FINANCIAL INSTITUTION: Yours Bank and the Partner will share your Personal Data with BANCO VOTORANTIM SA, a financial institution headquartered at Avenida das Nações Unidas, 14.171, Torre A, 18th floor, City of São Paulo, State of São Paulo, registered with CNPJ/ME under No. 59.588.111/0001-03 responsible for payment account individualization services with the SPB (Brazilian Payment System), which will integrate your relationship with Yours Bank and the Partner, whenever You have a number bank, agency and account linked to the Services.

DIRECT PARTICIPANT: Your Personal Data may be shared with the financial institution selected by the Partner to enable services related to PIX.

PROCESSOR: Refers to the company responsible for processing your transactions, which may have access to your Personal Data.

Yours Bank and the Partner declare to You that your Personal Data will be shared between them, and must be maintained, for the purposes of complying with user identification rules and preventing money laundering, in accordance with current regulations.

TO SAFEGUARD AND PROTECT THE RIGHTS OF YOURS BANK AND THE PARTNER: WITHOUT PREJUDICE TO THE PROVISIONS OF APPLICABLE BRAZILIAN LEGISLATIONS, YOURS BANK AND THE PARTNER RESERVE THE RIGHT TO ACCESS, READ, PRESERVE AND DISCLOSE ANY PERSONAL DATA NECESSARY TO COMPLY WITH A LEGAL OR A JUDICIAL ORDER ISSUED FROM COMPETENT AUTHORITIES; ENFORCE OR APPLY THE TERMS OF USE AND OTHER AGREEMENTS MADE WITH YOU; OR PROTECT THE RIGHTS, PROPERTY OR SAFETY OF YOURS BANK AND THE PARTNER, AND THEIR RESPECTIVE REPRESENTATIVES, SERVICE PROVIDERS, EMPLOYEES OR USERS.

5. IS AN INTERNATIONAL TRANSFER OF PERSONAL DATA PERFORMED?

Yours Bank and the Partner may transfer Personal Data collected in Brazil to the USA. This transfer will occur when the company responsible for hosting the Personal Data, which may be contracted by Yours Bank and/or the Partner, is located in American territory. However, before transferring your Personal Data to another country, it will be ensured that the country provides the degree of protection of Personal Data required in this Privacy Policy, or that Yours Bank and the Partner will guarantee compliance, regardless of foreign legislation, with principles, rights of the holder and protection of Personal Data set out in this Privacy Policy, in accordance with applicable regulations.

Yours Bank and Partner are headquartered in Brazil and the Personal Data we collect is governed by Brazilian law. By accessing or using the Services or providing Personal Data to Yours Bank and the Partner, You agree to the processing and transfer of such Personal Data to Brazil and the USA, if applicable, subject to the conditions set out above. 

6. WHAT ARE YOUR RIGHTS AS A PERSONAL DATA HOLDER?

You can always choose not to disclose your Personal Data to Yours Bank and the Partner, but keep in mind that some of this Personal Data may be essential to allow you to register, access and use the Services or some of the features and products offered. to You in connection with this Privacy Policy.

Regardless, You will always have rights regarding privacy and protection of your Personal Data. In addition to Yours Bank and the Partner being concerned about the security of your Personal Data, they are also concerned that You have access and knowledge of all your rights relating to them.

Therefore, below are summarized all the rights that You have under Brazilian laws relating to data protection, which are:

1. Right to confirm the existence of processing activity;
2. Right of access;

iii. Right to rectification;

1. Right to exclusion or cancellation;
2. Right to object or oppose treatment;
3. Right to restrict processing;

viii. Right to review automated decisions made based on your data;

viii. Right to data portability;

1. Right to withdraw your consent;
2. Right to anonymize or block your data;
3. Right not to provide consent and to be informed about the related consequences;

xii. Right to Petition before the Public Power and exercise your Rights and Interests in Court

In this sense, below is a brief explanation and examples of some of these rights:

• Request for access to your Personal Data. This right allows You to request and receive a copy of the Personal Data that Yours Bank and the Partner have about You.
• Request for rectification of your Personal Data. This right allows You to request correction and/or rectification of your Personal Data at any time, if You identify its inaccuracy. However, for this correction to be effective, we will have to check the validity of the data You provide and, to this end, we may request additional documents or confirmations from you, as a security measure. You can rectify your Personal Data by contacting Yours Bank through the Communication Channels.
• Request for deletion or cancellation of your Personal Data. This right allows You to request the deletion of your Personal Data stored in Yours Bank and Partner databases. All Personal Data collected will be deleted from servers when You so request or when it is no longer necessary or relevant for us to offer you the Services, unless there is any other reason for its maintenance, such as any legal obligation to retain Personal Data or need preservation of these to protect the rights of Yours Bank and the Partner.

To change your Personal Data or delete it from these companies' databases, simply contact Yours Bank through the Communication Channels.

• Request for anonymization or blocking of your Personal Data. If You understand that the request for Personal Data is excessive or unnecessary for the purposes set out in this Privacy Policy, or that the Processing carried out does not comply with the terms and conditions set out in this Privacy Policy, in such a way that it would be violating data protection rules personal data, You can request the blocking, anonymization or deletion of this Personal Data.
• Right to object to the processing of Personal Data. If You understand, in relation to Personal Data whose processing is not based on your consent, that Yours Bank and the Partner are not processing in a way that protects your rights and complies with the protections set out in this Privacy Policy, in such a way that they would be violating personal data protection standards, You may object to the processing of this Personal Data. When the Processing is justified by the Legal Basis of legitimate interest and there is something about your specific situation that makes You wish to object to such Processing, as you believe that it causes a negative impact on your fundamental rights and freedoms, You will also have the right to object to the way in which we process your Personal Data, such as for marketing purposes.

In some cases, even if this occurs, we can demonstrate to You that we have legitimate reasons to process your Personal Data, which may override your rights, such as in cases where your Personal Data is essential for the provision of of the Services to You, so that a contract signed by You is fulfilled, or even to fulfill a legal obligation to which Yours Bank and/or the Partner are subject as a consequence of the relationship established with You.

• Restrict the Processing of your Personal Data. This right allows You to request to suspend the Processing of your Personal Data in the following scenarios: (a) if You want Yours Bank and the Partner to establish the accuracy of the Personal Data; (b) where You require Personal Data to be retained by us even when we no longer need it, as necessary, for example, to make, exercise or respond to legal requests; or (c) You object to the use of your Personal Data, even though we need to verify that we have legitimate grounds for using it.
• Request review of automated decisions made based on Personal Data collected. We will provide You with the ability to question a decision made automatically by Yours Bank and/or Partner systems, based on Your Personal Data.
• Request the transfer of your Personal Data to You or to third parties. We will provide You, or a third party You choose, with Your Personal Data in a structured format.
• Right to withdraw consent at any time. You have the right to withdraw your consent, however, this will not affect the legality of any Processing carried out before You withdraw your consent. If You withdraw your consent, certain products and/or certain services may no longer be provided. And if this is the case, Yours Bank will notify you the moment this happens.
• Right not to provide consent. You have the right not to provide your consent. However, as the Personal Data indicated in this Privacy Policy are necessary to provide the Services, Yours Bank and the Partner will not be able to provide them to You if you fail to provide your consent to do so. If you disagree with part of the Personal Data requested or with a certain purpose that Yours Bank and the Partner will attribute to your Personal Data, You have the alternative of submitting an objection to the Processing of Personal Data that you disagree with and/or requesting access to your Personal Data .

To present your manifestations, requests and objections related to this Privacy Policy, You must submit an express request, in your name or through your legally constituted representative. This request will not cost anything and can be sent to Yours Bank to the email indicated in clause 8 below. Information and Personal Data that You request may be provided via electronic mail or in printed form, at your discretion.

We may need to request documents and/or specific information from you to help Yours Bank and the Partner confirm your identity and ensure your right to access your Personal Data (or to exercise your other rights). This is a security measure to ensure that Personal Data is not disclosed to anyone who does not have a right to receive it.

Yours Bank may also contact you for further information in relation to your request in order to speed up its response. Confirmations of the existence of Personal Data Processing and immediate access to them will be provided, in a simplified format or through a detailed statement, within a period of up to 15 days. For other communications and responses to your requests, such as the portability of your Personal Data, Yours Bank will attempt to respond to all legitimate requests within a maximum of 30 days. However, fulfillment of requests of this nature may take longer than 30 days if Your request is particularly complex or if You have made multiple requests. In this case, Yours Bank will notify you and keep you updated on the progress of your request.

If You have any questions about these issues and how You can exercise the rights provided for in this Privacy Policy, feel free to contact Yours Bank through the Communication Channels.

7. HOW LONG IS DATA STORED?

Yours Bank and the Partner keep your Personal Data only for as long as necessary to achieve the purposes for which we collected it, including for the purposes of complying with any legal, contractual, accountability obligations or requests from competent authorities, subject to a deadline minimum of 5 (five) years from the date of collection of Personal Data, in compliance with the provisions of Circular No. 3,909 of the Central Bank of Brazil.

To determine the appropriate retention period for storing Personal Data, we consider the amount, nature and sensitivity of the Personal Data, the potential risk of harm from unauthorized use or disclosure of your Personal Data, the purpose of the Processing and whether we can achieve such purposes through other means, observing applicable legal requirements.

And if You have registered an Account on the Services, your Account information will be maintained as long as You keep that Account active, subject to the legal period mentioned above, or until the purpose for which the Personal Data was requested is achieved. If certain Personal Data is no longer necessary to achieve a certain purpose, it will be deleted or subject to anonymization. Personal Data will also be deleted in the event that the Public Authority determines the termination of the Processing.

If You request the deletion of your Personal Data and/or your Account, Yours Bank and the Partner will delete them or subject them to anonymization, as soon as the legal period of 5 (five) years mentioned above has elapsed, unless your maintenance is determined based on legal obligations, or requests from competent authorities. 

8. HOW DOES INFORMATION SECURITY WORK? 

In our products and services we apply strict technological and procedural controls to ensure the security and protection of all Personal Data collected and stored in our environment.

In order to ensure the protection of your Personal Data and provide a safe environment, we adopt practices related to information security, such as user authentication, strict access control, encryption of Personal Data and transaction content, intrusion prevention and detection and unauthorized access, prevention of information leaks, periodic testing and scanning to detect vulnerabilities, protection against malicious software, traceability mechanisms, access controls and segmentation of the computer network, maintenance of backup copies of Personal Data and information, among others.

However, in addition to the protections that Yours Bank applies, it is also important that You behave safely, identifying and avoiding situations that may threaten the security of your Personal Data and our products and services. If You identify or become aware of something that compromises the security of your Personal Data, it is essential that you contact Yours Bank.

In situations where You use your Personal Data and Card for registration or transactions on third-party websites or services, the responsibility for protecting and storing Personal Data in these locations lies with the providers of such service and You must pay attention to the content of the privacy policies applicable to your use of such third party sites or services. 

9. HOW TO SPEAK TO THE COMPANY? 

If You believe that your personal information has been used in a way that is incompatible with this Policy or your choices as a Data Subject, or if You have other questions, comments, suggestions or requests related to this Policy, You can contact at the following contact addresses: E-mail: contato@yoursbank.com.br . Telephone: +55 3003 0768. 

10. POLICY CHANGES 

As we are always seeking to improve the Services, this Policy may undergo updates. Therefore, we recommend periodically visiting this page so that You are aware of the changes. If material changes are made that require new consent from You, we will publish this update and request new consent from You.

* In compliance with relevant legal obligations, contact with those in charge can be made via email at contato@yoursbank.com.br and dpo@dock.tech.***