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Aviso de privacidad de Oobit

Last updated: September 08, 2025Fecha de entrada en vigor: 10 de septiembre de 2025

Oobit Tecnologia LTDA, CNPJ 61.020.917/0001-42, headquartered at Avenida Paulista, 91, 9th floor, Room 01, Suite 901 ("Oobit", "We", "Our"), is committed to the highest level of protection regarding the processing of your Personal Data.

This processing is based on applicable data protection laws and regulations, including, but not limited to, the Brazilian General Data Protection Law (LGPD), the European General Data Protection Regulation (GDPR), and other equivalent privacy legislation ("Applicable Laws").

Please read this Notice carefully!

To inform you about how your data is used, this Privacy Notice ("Notice") describes how we may collect, use, store, disclose, or process Personal Data when You access our services, which include our content published on our website and in the Oobit application, or any other websites, pages, features, or content we own or operate (collectively, the "Services").

HIGHLIGHTS

  • You may have the right to request confirmation of the existence, access, modification, deletion, portability, cancellation, or restriction of the processing of your Personal Data, in accordance with Applicable Law.
  • Note that if You request the deletion or restriction of the processing of your Personal Data, your use of the Services may also be restricted.
  • We do not sell, trade, or rent users' Personal Data to third parties.
  • We only share Personal Data with third parties in connection with the provision of Services to our users or in other limited circumstances specified herein.
  • If You have any questions or requests regarding the processing of your Personal Data or wish to contact us about this Privacy Notice, please send an e-mail to: privacidade@oobit.com.

WHAT IS PERSONAL DATA AND WHAT DATA DO WE COLLECT?

"Personal Data" means any information related to an identified or identifiable natural person.

This includes any data that, alone or in combination with other available information, allows for the direct or indirect identification of an individual, whether currently held by Oobit, its representatives, or service providers, or that may be obtained by them in the course of the company's activities.

CATEGORIES OF PERSONAL DATA WE COLLECT

Oobit collects various categories of Personal Data to provide secure and efficient Services. The data we collect, whether provided directly by You, generated about You, or obtained from other sources, falls into the following categories:

  • Personal Data provided directly by You. This is Personal Data that You send directly to us, regardless of the medium, whether by filling out a form or sending an e-mail. The nature of the Services will determine which Personal Data will be requested, which may include:
    • Registration data: includes basic identification details such as name, age, passport number, and tax identification;
    • Contact information: we store your billing and shipping address, e-mail, and phone numbers;
    • Personal profile: includes educational background, job title, source of funds data, and any information You choose to share with us that constitutes Personal Data.
  • Information we collect or generate about You. This information includes:
    • Financial data: we map your activity on Oobit, including payments, trades, and account balances; and
    • Communications: customer support interactions and other communications within Oobit.
  • Information we obtain from other sources. Includes Personal Data provided to us by third-party service providers, including verification platforms we use for know your client (KYC) processes, agencies, or other publicly available sources, where applicable.
  • Information collected automatically by us through the Data Subject's use of the Platform. This includes information we collect via automated means, such as cookies and personal device identifiers.

Furthermore, for specific regulatory checks, such as Anti-Money Laundering (AML) and KYC processes, we may process special categories of Personal Data, such as criminal records and political affiliations, strictly complying with the legal requirements of Applicable Laws.

HOW DO WE USE YOUR PERSONAL DATA?

Your Personal Data may be stored and processed by us in the following ways and for the following purposes:

  • To ensure the continuous review and improvement of the information provided through our Services;
  • To ensure the Services are easy to use and to prevent potential disruptions or cyberattacks;
  • To allow You to use and access the features provided by the Services;
  • To evaluate your request related to our Services, when applicable;
  • If we cannot provide our Services in your region at the time of your request, so we can notify you later if this changes;
  • To absorb feedback on our Services and help provide more information on how to use them quickly and easily;
  • To communicate with You to provide Services or information about us and our Services;
  • To comply with contractual, legal, or regulatory obligations;
  • For the management and administration of our business;
  • To comply with and evaluate compliance with applicable laws, rules, regulations, and internal policies and procedures;
  • For the administration and maintenance of databases storing Personal Data; or
  • When necessary, with specific consent.

We use Personal Data in accordance with Applicable Laws, which require all processing to be based on different legal bases. Therefore, our use of your Personal Data is supported by one or more of the following legal bases:

  • Execution of a contract or preliminary procedures: to fulfill our contractual obligations to our customers and third parties, such as third-party service providers linked to our Services;
  • Consent: when required by law, we will collect and process your Personal Data based on your prior, free, informed, and unambiguous consent;
  • Compliance with legal and regulatory obligations: to comply with legal, regulatory, or normative requirements applicable to Oobit;
  • Defense of rights: when necessary to establish, exercise, or defend legal rights in judicial, administrative, or arbitral proceedings;
  • Legitimate interests: when necessary to fulfill Oobit's legitimate commercial interests, provided such interests do not override your fundamental rights and freedoms.

Examples include:

  • Managing and administering our business operations effectively and efficiently;
  • Maintaining compliance with internal policies and procedures;
  • Monitoring the use of our copyright-protected materials; and
  • Allowing quick and easy access to information about our Services.

WHAT HAPPENS IF YOUR PERSONAL DATA IS NOT PROVIDED?

If You choose not to provide Personal Data necessary for Oobit's operations, we may not be able to provide the products or services You contracted for, nor comply with applicable legal and regulatory obligations.

Failure to provide data required by law or under our contractual terms may prevent Oobit from initiating or continuing to provide the Services to You. If this occurs, it may be necessary to discontinue a product or service used by You. Rest assured, we will promptly inform you of such impediments!

WILL OOBIT SHARE YOUR PERSONAL DATA?

We share Personal Data in the following circumstances:

  • Oobit may share your Personal Data with third parties acting as Personal Data processors whenever necessary for the provision of Services, for technical support, payment processing, identity verification, fraud prevention, cloud storage, among other legitimate operational purposes. These third parties are contractually obliged to adopt security and confidentiality measures compatible with Applicable Laws.
  • Additionally, when using our Services, You may interact with independent third-party platforms or services that are not controlled or operated by Oobit. In such cases, these third parties will be independently responsible for the processing of your Personal Data, in accordance with their own privacy policies and terms of use.
  • Oobit may also share Personal Data with other companies within the Oobit group, including its parent companies, subsidiaries, and affiliates, whenever necessary for operational, administrative, regulatory compliance purposes, or in the context of corporate transactions, such as mergers, acquisitions, or reorganizations.
  • Personal Data may also be shared with third parties for compliance with legal or regulatory obligations, at the request of competent authorities, or for the regular exercise of Oobit's rights in administrative, judicial, or arbitral proceedings.

All transfers of Personal Data are conducted based on appropriate legal grounds, such as the execution of a contract, compliance with a legal obligation, the regular exercise of rights, Oobit's legitimate interest, or, where applicable, with your consent. In all scenarios, we will take steps to ensure that Personal Data is accessed only by individuals who need to do so for the purposes described in this Privacy Notice.

INTERNATIONAL TRANSFER OF PERSONAL DATA

Oobit is a global company. As a result, we collect and transfer Personal Data on a global basis, headquartered in Singapore, for certain purposes, including:

  • The execution of contracted services, such as account opening, card issuance, and transaction processing;
  • Compliance with applicable legal and regulatory obligations, including anti-money laundering measures, combating the financing of terrorism, international sanctions, and fraud prevention;
  • Implementation of information security measures and risk monitoring;
  • Providing customer service and support;
  • Centralizing governance, compliance, and audit practices within the Oobit group;
  • The development, maintenance, and continuous improvement of Oobit's services and technological solutions.

Whenever we perform international transfers of Personal Data, we will ensure compliance with applicable legal requirements and an adequate level of protection, especially associated with the LGPD. When required by law, we will adopt appropriate safeguards, such as:

  • Transferring Personal Data to countries recognized by competent authorities (such as the European Commission or the UK government) as having an adequate level of data protection;
  • Entering into contracts with data recipients, based on standard contractual clauses or other mechanisms authorized by data protection authorities;
  • Applying the most appropriate legal basis provided in Applicable Laws to enable the transfer.

If You wish, You may request more information about the protection mechanisms applicable to international transfers of your Personal Data, including copies of the contractual safeguards used, by contacting us as indicated in the "Contact Oobit" section of this Notice.

COOKIES – WHAT ARE THEY AND HOW DO WE USE THEM?

We use data files such as cookies, pixel tags, "Flash cookies," or other local storage files provided by your browser or associated applications ("Cookies") on our website.

We use these technologies to recognize You as a specific visitor; customize our website, content, and advertising; measure promotional effectiveness ; help ensure your security is not compromised; reduce risk and prevent fraud; and promote trust and safety on our site.

If You do not wish to accept the use of these cookies, You may disable them by changing your browser settings so that cookies from our website cannot be placed on your computer or mobile device, as detailed below, and/or by visiting our cookie management platform widget, located at the bottom of our website (i.e., the cookie icon). However, it is important that You be aware that if You choose to do so, some or all of our Services may become unavailable.

The following pages contain information on how to change your cookie settings for different browsers:

  • Cookie settings in Chrome
  • Cookie settings in Firefox
  • Internet Explorer cookie settings
  • Cookie settings in Safari and iOS

To the extent we collect Personal Data with the help of Cookies, we will process it in accordance with this Privacy Notice and the Cookie Policy.

COMMUNICATIONS AND MARKETING

In accordance with regulations and Applicable Laws, we may occasionally send You communications or promotional materials related to our products, Services, features, events, facilities, or other Oobit initiatives.

These communications may be sent via different means, such as e-mail, in-app notifications, SMS, or other contact channels You have provided.

Protecting your Personal Data is extremely important to us. Therefore, we will always send these materials in accordance with applicable laws and regulations.

You have the right to opt-out of or object to these marketing communications at any time. If You wish to cancel receipt or object to our communications, You may use the opt-out mechanisms available in the messages You receive or send an e-mail to Oobit at: privacidade@oobit.com.

Upon receipt of your request, Oobit will take the necessary steps to stop sending marketing communications within a reasonable timeframe, in accordance with Applicable Laws.

HOW LONG DO WE KEEP YOUR PERSONAL DATA?

We will retain your Personal Data for the time necessary to fulfill the purposes for which it is intended, as exemplified in this Notice. After these purposes are fulfilled, the data will be deleted or anonymized, whenever possible and permitted by Applicable Laws.

In addition to the purposes stated previously, certain Personal Data may be retained for additional periods to comply with legal, regulatory, or contractual obligations, as well as for the regular exercise of Oobit's rights in administrative, judicial, or arbitral proceedings. Examples include, but are not limited to, requirements arising from tax laws, Anti-Money Laundering (AML), Combating the Financing of Terrorism (CFT), Customer Identification (KYC), Politically Exposed Persons (PEP) monitoring, and fraud prevention.

When defining retention periods, we carefully evaluate factors such as:

  • The nature and sensitivity of the Personal Data;
  • The purpose for which the data is being processed;
  • The risks associated with retention;
  • Applicable legal or regulatory obligations;
  • The possibility of future need for defense in legal proceedings.

HOW DO WE PROTECT YOUR PERSONAL DATA?

We are committed to the security of your Personal Data and adopt all reasonable technical, administrative, and organizational measures available on the market to maintain this protection. We use security systems and take all precautions to protect your Personal Data and prevent any type of incident.

However, it is important to emphasize that no method of transmission or data storage over the Internet is fully secure. Therefore, despite our efforts, we cannot guarantee the absolute security of the measures adopted or the absence of interference by third parties (such as hackers). By its nature, despite our best efforts, any security measure may fail, resulting in an incident involving Personal Data.

The same security requirements also apply to third parties with whom we share your Personal Data, and we strive to work only with partners who adopt recognized information security practices. However, Oobit assumes no liability for security breaches resulting solely from the actions of third parties outside of its reasonable control.

WHAT ARE YOUR RIGHTS AS A DATA SUBJECT?

Depending on your jurisdiction, laws regulating privacy and data protection allow You to exercise certain rights regarding your Personal Data processed by us. The rights of Personal Data subjects include:

  • Right to confirmation: You may request confirmation of the existence of processing of your Personal Data by Oobit;
  • Right to access: Allows You to request a copy of the Personal Data we hold about You;
  • Right to rectification: If your Personal Data is incomplete, inaccurate, or outdated, you may request correction or update;
  • Right to deletion: In certain circumstances, You may request the deletion of your Personal Data, as permitted by Applicable Laws;
  • Right to portability: When applicable, You may request the transfer of your Personal Data to another service provider, in a structured and commonly used format;
  • Right to file a complaint: You have the right to file a complaint with the competent data protection supervisory authority in your jurisdiction;
  • Right to withdraw consent: If the processing of your Personal Data is based on your consent, you may revoke it at any time, without affecting the legality of the processing carried out up to that moment.

Right to file a complaint with the National Data Protection Authority (ANPD): Data Subjects may exercise their rights in cases where their requests are not met or if the Controller's response is considered unsatisfactory. In such cases, they may contact the ANPD by sending a "data subject petition," which can be accessed here.

You may exercise your rights by contacting us at: privacidade@oobit.com. Upon contact, Oobit may request additional information or documentation to verify your identity and support your claims.

Observe that, according to the LGPD, confirmation of the existence of processing or access to your Personal Data will be provided:

  • in a simplified format, immediately upon request; or
  • in a clear and complete statement, within 15 (fifteen) days from the date of your request.

This statement will include the origin of the data, the absence of records (if applicable), the criteria used for processing, and the purposes of the processing, subject to commercial and industrial secrecy.

Personal Data will be stored in a format that facilitates the exercise of your right to access and may be provided, at your discretion, electronically via a secure and appropriate method or in printed form.

For security reasons and to protect your Personal Data, Oobit may request additional information to: (i) verify your identity; (ii) determine Applicable Laws; and (iii) locate your Personal Data.

PROTECTION OF CHILDREN AND ADOLESCENTS' DATA

Our Services are not directed to minors under 18 years of age or the equivalent minimum age to provide consent for the processing of Personal Data in the relevant jurisdiction ("Child"). Therefore, we do not knowingly collect, solicit, or use Personal Data from Children.

If we become aware that a Child has provided us with Personal Data, we will delete such information from our files within a reasonable timeframe. If You are the legal guardian of a Child and become aware that they have provided us with Personal Data, please contact us immediately via e-mail: privacidade@oobit.com.

CHANGES TO THE NOTICE

This Privacy Notice may be modified or updated periodically to reflect changes in our Personal Data processing processes, our Services, or to meet new legal and regulatory requirements.

When such changes have a material impact on how we process your Personal Data or significantly affect your rights as a data subject, we will provide You with appropriate prior notice, as required by Applicable Laws. You may request an updated copy of this Notice at any time using the contact channels indicated below.

CONTACT OOBIT

If You have questions, comments, suggestions, or requests related to this Privacy Notice or the processing of your Personal Data, please contact us by e-mail: privacidade@oobit.com.

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Oobit Technologies Pte (201716443G) se encuentra en 2 Shenton Way #15 -04 SGX Centre 1, Singapur (068804). Oobit Technologies Avenida Paulista, 91, 01311-000, São Paulo.