Privacy Policy

1. Introduction

Muralha Investario ("we", "us", or "our") is committed to protecting the privacy of visitors to our website and clients who engage with our services. This Privacy Policy describes the categories of information we may collect, how that information is used, the circumstances under which it may be shared, and the choices available to you regarding your data.

By accessing or using our website, you acknowledge that you have read and understood this Privacy Policy. If you do not agree with the practices described here, please refrain from using our website or services.

2. Information We Collect

2.1 Information You Provide Directly

We may collect information you voluntarily submit through contact forms, analysis requests, or correspondence, including but not limited to your name, email address, phone number, company name, and any details you choose to share regarding your business or financial circumstances.

2.2 Information Collected Automatically

When you visit our website, certain information may be collected automatically through cookies, log files, and similar technologies. This may include your IP address, browser type, device information, pages visited, time spent on pages, and referring URLs.

2.3 Information from Third Parties

We may, where applicable, receive information about you from third-party services such as analytics providers, marketing platforms, or professional referral partners, in each case consistent with their own privacy practices.

3. How We Use Your Information

We may use the information we collect for purposes including:

• Responding to inquiries and requests for analysis or consultation
• Providing, maintaining, and improving our website and services
• Communicating updates, administrative notices, or relevant information
• Analysing website usage to improve content and user experience
• Complying with legal obligations and enforcing our terms
• Detecting, preventing, and addressing technical issues or fraudulent activity

4. Legal Basis for Processing

Where applicable law requires a legal basis for processing personal data, we rely on one or more of the following: your consent, the necessity of processing to perform a contract with you, compliance with a legal obligation, or our legitimate interests in operating and improving our business, provided such interests are not overridden by your rights and freedoms.

5. Cookies and Tracking Technologies

Our website may use cookies and similar tracking technologies to enhance functionality and analyse traffic. Cookies are small text files stored on your device. You may configure your browser to refuse cookies or alert you when cookies are being sent; however, some portions of the website may not function properly without them.

6. Sharing and Disclosure of Information

We do not sell personal information. We may share information with:

• Service providers who perform functions on our behalf, such as hosting, analytics, or communication tools, under appropriate confidentiality obligations
• Professional advisors, including legal, financial, or compliance consultants, where necessary
• Regulatory or governmental authorities where required by law or to protect our legal rights
• A successor entity in connection with a merger, acquisition, or sale of assets

7. Data Retention

We retain personal information only for as long as necessary to fulfil the purposes outlined in this Policy, including satisfying legal, accounting, or reporting obligations, unless a longer retention period is required or permitted by applicable law.

8. Data Security

We implement reasonable technical and organisational measures designed to protect personal information against unauthorised access, alteration, disclosure, or destruction. However, no method of transmission over the internet or electronic storage is entirely secure, and we cannot guarantee absolute security.

9. International Data Transfers

If information is transferred across borders, we aim to ensure appropriate safeguards are in place consistent with applicable data protection law. Specific transfer mechanisms depend on the jurisdictions and service providers involved and should be documented separately as applicable.

10. Your Rights

Depending on your jurisdiction, you may have rights regarding your personal data, including the right to access, correct, delete, restrict, or object to processing, as well as the right to data portability and the right to withdraw consent where processing is based on consent. To exercise any such rights, please contact us using the details provided on our website.

11. Children's Privacy

Our website and services are intended for business professionals and are not directed to individuals under the age of 18. We do not knowingly collect personal information from minors. If you believe a minor has provided us with personal information, please contact us so we can take appropriate action.

12. Third-Party Links

Our website may contain links to third-party websites or services. We are not responsible for the privacy practices or content of such third parties. We encourage you to review the privacy policies of any external sites you visit.

13. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or operational needs. Any updates will be posted on this page with a revised "Last updated" date. We encourage you to review this Policy periodically.

14. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our data practices, please reach out through the contact channels listed on our website. We will make reasonable efforts to respond to legitimate inquiries in a timely manner.