Take Rate (Ricardo Wodianer de Mello LTDA) CNPJ: 44.189.505/0001-11 ("Take Rate", "we", "our") is a senior B2B consultancy in credit engineering, agentic AI and risk models.
This Privacy Policy describes how we collect, use, store, share and protect personal data of visitors to our website (takerate.ai) and of clients and business partners, in accordance with Brazil's General Data Protection Law (Law 13.709/2018 — LGPD).
By accessing our site or using our services, you confirm that you have read and understood this Policy. If you disagree with any point, do not continue using our services and contact us for clarification.
We collect only the data needed to operate our services. Personal data may be provided directly by you or collected automatically while browsing.
| Category | Data | Source |
|---|---|---|
| Contact | Email address, phone/WhatsApp number | Website contact form |
| Browsing | IP address, browser type, pages visited, session time, traffic source | Cookies and automatic logs |
| Communication | History of email or WhatsApp conversations | Direct interaction with our team |
| Business | Company name, role, sector, size (when provided) | Forms, meetings, contracts |
Minors: Our services are exclusively for companies and adult professionals. We do not intentionally collect data from anyone under 18.
We use your data for the following purposes:
We do not sell your data to third parties or use it for mass behavioral advertising.
Every processing of personal data we perform has a legal basis under the LGPD (Art. 7), including consent, contract performance, legitimate interest and legal obligation, as applicable to each purpose described above.
We may use essential cookies for site operation and, with your consent, analytics cookies (e.g. Google Analytics 4). Plausible, when configured, measures visits in aggregated form without tracking cookies. You can manage analytics consent via the cookie banner.
We may share data with processors that support our operations (hosting, email, form delivery, analytics), under confidentiality agreements; with authorities when legally required; and with corporate successors in case of merger or acquisition, ensuring continuity of this Policy.
We retain personal data only for as long as necessary for the purposes stated, contractual obligations and legal requirements. Contact-form data is kept while the commercial relationship is active or under evaluation, and deleted or anonymized afterward according to our retention schedule.
Under the LGPD you may request confirmation of processing, access, correction, anonymization, blocking or deletion, portability, information about sharing, revocation of consent and opposition to processing based on legitimate interest, as applicable.
We respond to requests within 15 business days, as provided by the LGPD. Complex cases may be extended by another 15 days with prior notice.
We adopt technical and organizational measures to protect your data, including HTTPS/TLS, role-based access control, access monitoring and confidentiality agreements with collaborators and vendors.
We may update this Policy periodically. The latest version will always be available on this page with the update date at the top. Material changes will be communicated with at least 15 days notice when we have your contact details, or via a site notice.
To exercise your rights or ask questions about this Policy, contact our Data Protection Officer (DPO):
