Our Privacy Commitment

Last Updated: February 18, 2026

Introduction and Scope

Crediexpress LTDA ("Crediexpress," "we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy governs the collection, use, and disclosure of personal data through our website crexhub.com and related services. By accessing or using our platform, you acknowledge that you have read, understood, and agree to be bound by the terms of this Privacy Policy. This policy applies to all users, visitors, and customers who interact with our financial services platform.

Information We Collect

We collect various types of information to provide and improve our services. Personal information may be collected directly from you when you register, apply for services, or interact with our platform. The categories of information we collect include:

SMS Communications and TCPA Compliance

By providing your mobile phone number and consenting to receive text messages, you expressly agree to receive SMS communications from Crediexpress regarding your account, applications, promotional offers, and service updates. You understand and consent that these messages may be sent using an automatic telephone dialing system. Message frequency may vary but will not exceed four (4) messages per week. Standard message and data rates may apply as determined by your mobile carrier. You may opt out of receiving SMS messages at any time by replying "STOP" to any text message from us. Upon sending "STOP," you will receive a confirmation message, and no further messages will be sent unless you re-subscribe. For assistance, reply "HELP" or contact our support team.

Cookie Policy and Tracking Technologies

Our website utilizes cookies and similar tracking technologies to enhance user experience, analyze site performance, and provide personalized services. Cookies are small text files stored on your device that help us recognize your preferences and improve our platform functionality. We employ both session cookies that expire when you close your browser and persistent cookies that remain on your device for a specified period. You may control cookie settings through your browser preferences, though disabling certain cookies may limit some website features. We also use web beacons, pixel tags, and analytics tools to gather usage statistics and optimize our services.

How We Use Your Information

The personal information we collect serves multiple legitimate business purposes essential to our financial services operations. We process your data to evaluate creditworthiness, verify your identity, and facilitate loan applications and approvals. Your information enables us to communicate important account updates, service notifications, and respond to customer inquiries effectively. We utilize collected data to enhance our platform security, prevent fraudulent activities, and ensure compliance with applicable financial regulations. Additionally, we may use your information for marketing purposes, service improvements, and to develop new financial products that better serve our customers' needs.

Information Sharing and Third-Party Disclosure

Crediexpress may share your personal information with carefully selected third parties under specific circumstances and in accordance with applicable privacy laws. We may disclose information to financial institutions, credit bureaus, and lending partners to process your applications and provide requested services. Service providers and vendors who assist with platform operations, customer support, and technical maintenance may receive limited access to your data under strict confidentiality agreements. We may also share information when required by law, court orders, or to protect our legal rights and interests. In the event of a business merger, acquisition, or asset sale, your information may be transferred as part of the transaction.

Data Security Measures

We implement comprehensive security measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction. Our security infrastructure includes industry-standard encryption protocols, secure server environments, and regular security audits conducted by qualified professionals. Access to personal data is restricted to authorized personnel who require such information to perform their job duties. We maintain physical, electronic, and procedural safeguards that comply with applicable data protection regulations. While we strive to protect your information, no internet transmission or electronic storage method is completely secure, and we cannot guarantee absolute security.

California Consumer Privacy Act (CCPA) Rights

California residents have specific rights regarding their personal information under the California Consumer Privacy Act. You have the right to know what personal information we collect, use, disclose, and sell about you. California consumers may request deletion of their personal information, subject to certain exceptions, and have the right to opt-out of the sale of personal information. You also have the right to non-discrimination for exercising your CCPA rights. To exercise these rights, please contact us using the information provided in this policy. We will verify your identity before processing CCPA requests and respond within the timeframes required by law.

Children's Privacy Protection

Crediexpress is committed to protecting the privacy of children and does not knowingly collect personal information from individuals under the age of eighteen (18) years. Our financial services are designed exclusively for adults who can legally enter into binding financial agreements. If we become aware that we have inadvertently collected personal 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 internet usage and educate them about sharing personal information online.

International Data Transfers

As a Brazil-based company, Crediexpress primarily processes personal information within Brazilian territory in accordance with the Lei Geral de Proteção de Dados (LGPD). However, some data processing activities may involve transfers to international service providers or partners located in other jurisdictions. When international transfers occur, we ensure appropriate safeguards are in place to protect your personal information, including contractual protections and adequacy determinations. We comply with applicable cross-border data transfer requirements and maintain the same level of protection regardless of where your information is processed.

Data Retention Policies

We retain your personal information only for as long as necessary to fulfill the purposes outlined in this Privacy Policy and to comply with legal obligations. Financial records and transaction data are typically retained for the periods required by banking and financial regulations. Account information for active customers is maintained throughout the duration of our business relationship and for a reasonable period thereafter. Marketing preferences and communication records are retained until you request removal or opt-out of our services. When personal information is no longer needed, we securely dispose of or anonymize the data in accordance with our internal procedures and legal requirements.

User Rights and Data Control

You have various rights regarding your personal information that we collect and process. These rights include the ability to access, correct, update, or delete your personal information stored in our systems. You may request a copy of the personal data we hold about you and receive information about how we process such data. Additionally, you have the right to object to certain processing activities and to request data portability under applicable circumstances. To exercise any of these rights, please contact our privacy team using the contact information provided. We will respond to your requests within reasonable timeframes and in accordance with applicable privacy laws.

Marketing Communications and Preferences

We may send you promotional emails, newsletters, and other marketing communications about our financial services and special offers. You can control your communication preferences by updating your account settings or using the unsubscribe links provided in our emails. Even if you opt-out of marketing communications, we may still send you important service-related notifications, account updates, and legally required communications. Your marketing preferences are stored securely and respected across all our communication channels. We do not sell your email address or contact information to third-party marketing companies.

Third-Party Links and Services

Our website may contain links to third-party websites, services, or applications that are not owned or controlled by Crediexpress. This Privacy Policy does not apply to such third-party services, and we are not responsible for their privacy practices or content. We encourage you to review the privacy policies of any third-party services before providing personal information or engaging with their platforms. Social media plugins, external payment processors, and partner websites operate under their own privacy policies and terms of service. Your interactions with these third parties are governed by their respective privacy policies.

Privacy Policy Updates and Modifications

We reserve the right to update, modify, or revise this Privacy Policy at any time to reflect changes in our practices, legal requirements, or business operations. When we make material changes to this policy, we will notify you through prominent website notices, email communications, or other appropriate channels. The updated policy will become effective on the date specified in the revision, and your continued use of our services after such date constitutes acceptance of the updated terms. We encourage you to review this Privacy Policy periodically to stay informed about how we protect your personal information.

Contact Information and Support

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please contact Crediexpress LTDA using the following information: