Privacy Policy

1. Introduction

Welcome to Carreira Finance LLC, your reliable partner in managing and securing your financial information. In this digital age, our foremost commitment is to the meticulous handling and protection of your personal and financial data. This Privacy Policy is a declaration of our unwavering dedication to preserving the confidentiality and integrity of your data while providing you with superior financial services tailored to your needs.

2. Our Privacy Commitment

At Carreira Finance LLC, our core principles revolve around ensuring the utmost security and confidentiality of your data. We prioritize your interests in every decision we make, ensuring the safety of your data is never compromised. We share your personal and financial information solely to the extent necessary for delivering our services and stringently prevent its distribution to any external third parties. Our approach is rooted in transparency and ethical handling of your data, upheld through the implementation of industry-leading security measures such as end-to-end encryption for your financial data, sophisticated secure login systems, and a resilient infrastructure hosted on reliable platforms adhering to the highest security protocols.

3. Legal Entity and Contact Information

Carreira Finance LLC is the legal entity responsible for the collection and processing of your data. Our postal address is 10531 4S Commons Dr. Ste 166-470, San Diego, CA, 92127, United States. If you have any questions or concerns about this Privacy Policy, you can contact us via email at

4. Understanding Our Service Model

Our web app provides a comprehensive suite of financial services, necessitating the use of your financial data. By engaging with our services, you grant consent to share specific financial information, which is indispensable for the functionality and personalization of these services. We acknowledge the significance of your data preferences and provide flexible options to modify these at any time. However, it is crucial to understand that any alterations in your data sharing preferences may influence the delivery and continuity of our services.

5. Data Collection

Our data collection strategy encompasses a variety of sources to provide a comprehensive and efficient service offering. This includes direct inputs via our website, account-related information through Plaid APIs, and data generated through your interactions with our services, encompassing both technical and usage data. We collect personal identifiers and financial information through Plaid, as well as usage and technical data. It is important to note that our use of Plaid for accessing financial data is governed by Plaid's privacy policy. We retain your data for the duration of your use of our services, and upon your request, we will proceed with the deletion of your data, though this process may require some time to complete.

6. Use of Information

We utilize your information in a multitude of ways to enhance and personalize your experience. This includes tailoring our services to meet your specific financial needs and goals, offering customized financial advice, timely alerts, and insightful analytics based on your transaction history. The data you provide is fundamental to basic account functionalities, such as balance inquiries, transaction tracking, and financial reporting. Additionally, we leverage usage patterns, customer feedback, and transaction data to continually refine the user experience, the design of our app interface, and our feature offerings, ensuring they evolve to meet your changing financial needs.

7. Data Sharing and Disclosure

We only share data with third parties as necessary and with strict guidelines. Service providers help us deliver our services, such as payment processors, cloud storage providers, and analytics services, and are bound by strict confidentiality agreements. We may disclose your information if required by law, court order, or governmental regulation, or if such action is necessary to protect the rights, property, or safety of Carreira Finance, our users, or the public. In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.

8. Cookies and Tracking Technologies

At Carreira Finance, we employ cookies and other tracking technologies to enhance your experience and improve our services. Functional cookies are essential for the basic functioning of our web app, enabling you to navigate our platform and use its features. Analytical cookies collect information about how you use our web app, helping us understand user behavior and improve performance. Performance cookies help us understand how visitors interact with our website by collecting and reporting information anonymously. You have the right to decide whether to accept or reject cookies. Most web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies if you prefer. However, disabling cookies may affect the functionality of our services.

9. Data Security

The security of your account and data is of paramount importance to us. We utilize your data to fortify your account against unauthorized access and potential fraudulent activities, vigilantly monitoring for irregular transaction patterns and ensuring the utmost security of your account information. We implement robust security measures, including the use of end-to-end encryption, limiting access to your data to authorized employees, contractors, and agents who need to know the data to process it for us, and conducting regular audits of our security systems and practices. We also have procedures in place to deal with any suspected data breaches and will notify you and any applicable regulator of a breach where we are legally required to do so. Our operations are firmly aligned with financial laws and regulations, and your data plays a vital role in enabling us to meet our legal and regulatory obligations, including compliance with tax legislation and anti-money laundering directives.

10. User Rights and Preferences

As a user of Carreira Finance, you are endowed with the right to access, review, and influence the handling of your personal and financial data. This encompasses the right to request access to the personal data we hold about you, to ask for corrections or updates to this information, and, under specific circumstances, to request the deletion of your personal data. To exercise any of these rights, please contact us at We will respond to your request within a reasonable timeframe and in compliance with applicable laws. You also have the option to opt out of marketing communications and certain data uses. However, please be aware that opting out of essential data usage for the core functionality of our web app may result in limitations to your service use.

11. Third-Party Links and Services

Our platform may include links to other websites or integrate with third-party services for enhanced functionality and user experience. These external sites and services operate independently and are not under our control. We encourage you to read the privacy statements of any linked websites. Your interaction with these third parties, including any provision of personal data, is governed by the privacy policy of the third-party service. We do not accept any responsibility or liability for their policies, procedures, or actions.

It's important to note that when you proceed to make payments on our platform, you will be redirected to our payment processing partner, Stripe, to securely handle your payment information. Stripe is a trusted payment gateway that adheres to industry-leading security standards to ensure the protection of your financial data. When you make payments through Stripe, your payment information is encrypted and securely transmitted to Stripe for processing. We do not store or have access to your full payment details, such as credit card numbers or bank account information. Stripe's privacy policy governs the collection, use, and disclosure of your payment information when you make transactions through their platform. We encourage you to review Stripe's privacy policy to understand how they handle your payment data. Please note that while we have chosen Stripe for payment processing based on their reputation for security and reliability, we do not control their privacy practices. Your interaction with Stripe, including any provision of payment data, is governed by Stripe's privacy policy. We do not accept any responsibility or liability for Stripe's policies, procedures, or actions. However, we are committed to ensuring that your payment experience on our platform is safe, secure, and convenient. If you have any questions or concerns about payment processing or the security of your payment information, please don't hesitate to contact us. This addition clarifies the role of Stripe in handling payment information, informs users about their privacy policy, and reassures them about the security measures in place during payment processing.

When it comes to accessing and securely managing your financial data, we rely on the services of Plaid. Plaid is a trusted third-party provider of financial data aggregation services, facilitating the secure exchange of financial information between our platform and your financial institutions. Through Plaid's APIs, we are able to securely access and retrieve your financial account data, such as transaction history and account balances, to power various features and services offered on our platform. Plaid adheres to rigorous security standards and protocols to ensure the confidentiality and integrity of your financial information during transmission and storage. While we have chosen Plaid for its reputation for security and reliability in handling financial data, it's important to note that Plaid operates independently of our platform, and your interactions with Plaid are governed by Plaid's own privacy policy and terms of service. We do not control Plaid's privacy practices, but we are committed to working with trusted partners like Plaid to safeguard your data and ensure a seamless user experience. By including Plaid in both sections, users are informed about its role in data collection and its status as a third-party service provider, enhancing transparency and clarity regarding the handling of their financial information.

12. Open Communication

We are committed to maintaining an open dialogue about our data practices. If you have any inquiries or wish to discuss the implications of your data preferences, please do not hesitate to contact us at Our dedicated team is always ready to provide comprehensive assistance and information, fostering a relationship grounded in trust and transparency.

13. Your Role in Privacy

We believe in empowering you to take an active role in the privacy process. We encourage a thorough reading of this policy to fully understand your rights and our responsibilities regarding your data. We offer tools and resources to help you manage and control your personal and financial information, striving to not only meet legal requirements but also to set a new benchmark in user trust and data integrity.

14. Operational Uses

Your data is vital in providing prompt and efficient customer support. When you seek assistance, having access to your data enables our support team to deliver effective and personalized help. Additionally, we may utilize your contact information to gather your feedback on our services or to inform you about new features and enhancements, as part of our commitment to continuous improvement and customer satisfaction.

15. Policy Updates

Our Privacy Policy is dynamic and subject to regular reviews and updates to reflect any changes in our data practices, technological advancements, legal requirements, and user feedback. We will communicate significant changes through our website and via email notifications. We encourage our users to regularly review our Privacy Policy to stay informed. Your continued use of our services following the effective date of these changes signifies your acceptance of the updated policy.

16. Contact Information for Complaints or Concerns

If you have any complaints or concerns about the Company or about this privacy statement, please contact us via email at

17. Compliance Statements

We adhere to the financial industry regulations and data protection laws relevant to our operations in the United States. Our team conducts regular audits and maintains complete transparency in our operational practices. Please note that while we are responsible for the privacy practices within our platform, we do not control the privacy practices of third parties, including Plaid and Stripe. Our services are designed for use in the United States and are not intended for children.

Last Updated: May, 2024