Privacy Policy

Casa do Pix Financial LLC, doing business as Casa do Pix, respects your privacy and is committed to protecting your personal information.

Casa do Pix Financial LLC is an authorized agent, service, brand, and registered DBA of Transamericas Services Corporation.

Transamericas Services Corporation is the licensed money transmitter responsible for regulated money transmission services offered through Casa do Pix where required by law. Casa do Pix operates as an authorized agent, service, brand, and registered DBA of Transamericas Services Corporation.

This Privacy Policy explains how Casa do Pix, Transamericas Services Corporation, and our affiliates, agents, service providers, payment processors, compliance vendors, and business partners may collect, use, disclose, store, and protect your information when you use our services.

By using Casa do Pix, including our website, WhatsApp service, physical locations, customer support channels, agents, or remittance services, you agree to this Privacy Policy.

• Licensee: Transamericas Services Corporation
• Money Transmitter License Number: #L075949
• Regulator: New Jersey Department of Banking and Insurance
• Transamericas Address: 154 Adams St, Newark, NJ 07105, USA
• Casa do Pix Address: 8 The Green, Suite A, Dover, DE 19901, USA
• Website: https://www.casadopix.app
• Support Email: support@casadopix.app
• U.S. Office Phone: 973-288-2128

1. Information We Collect

We collect information needed to provide financial services, process remittance transactions, verify identity, comply with law, prevent fraud, and support our customers.

The information we collect may include:

A. Personal Identification Information

• Full legal name
• Date of birth
• Physical address
• Mailing address
• Phone number
• Email address
• Nationality or country of residence
• Government-issued identification information
• Tax identification number, where required
• Photograph or image of your identification document
• Selfie, photo, or video verification, where required
• Signature, where required

B. Transaction Information

• Amount sent
• Amount received
• Fees
• Exchange rate
• Date and time of transaction
• Transaction number
• Payment method
• Payout method
• Recipient name
• Recipient address or location
• Recipient phone number
• Recipient bank, Pix, wallet, or payment details
• Destination country
• Source of funds
• Purpose of transaction
• Transaction history
• Receipts and confirmations

C. Payment and Financial Information

We may use third-party payment processors, banks, or financial institutions to handle payment information. We may not store complete card numbers if payments are processed directly by a third-party payment provider.

• Bank account information
• Debit card information
• Credit card information, where accepted
• Payment processor records
• Proof of payment
• Chargeback or return information
• Account ownership information
• Financial institution details
• Information needed to process, verify, or reconcile payments

D. Compliance and Verification Information

Because Casa do Pix and Transamericas provide regulated financial services, we may collect information required for anti-money laundering, Know Your Customer, sanctions screening, fraud prevention, and regulatory compliance.

FinCEN requires MSBs to maintain certain Bank Secrecy Act compliance programs, records, and reports, including AML programs and records related to certain money transfers.

• Identification documents
• Proof of address
• Occupation
• Employer or business information
• Source of funds
• Source of wealth, where required
• Relationship to recipient
• Reason for transfer
• Transaction patterns
• Screening results
• Risk review notes
• Compliance case records
• Fraud alerts
• Law enforcement or regulatory requests

E. Communications Information

• WhatsApp messages
• SMS messages
• Emails
• Phone call records or notes
• Customer support chats
• Voice recordings, where legally permitted
• Complaints
• Service requests
• Transaction instructions
• Documents or photos you send to us

F. Website and Device Information

• IP address
• Device type
• Browser type
• Operating system
• Website pages visited
• Referral source
• Date and time of visit
• Approximate location based on IP address
• Cookies and similar tracking data
• Website usage and analytics information

G. Location Information

We may collect location-related information if needed to prevent fraud, verify transaction activity, confirm service availability, comply with law, or improve customer support.

We may collect approximate location from your IP address or information you provide directly. We do not collect precise GPS location unless you authorize it or it is necessary for a specific service.

• Prevent fraud
• Verify transaction activity
• Confirm service availability
• Comply with law
• Improve customer support

2. How We Collect Information

We collect information from:

• You directly
• Your use of our website
• Your WhatsApp, SMS, email, phone, or chat communications
• Transaction forms
• Payment records
• Identity verification providers
• Banks and payment processors
• Payout partners
• Compliance vendors
• Fraud prevention services
• Public databases
• Government records
• Sanctions and watchlist screening tools
• Agents, representatives, or authorized locations
• Regulators or law enforcement, where applicable

3. How We Use Your Information

We may use your information to:

• Provide remittance and money transfer services
• Process transactions
• Verify your identity
• Verify recipient information
• Process payments
• Deliver funds to recipients
• Provide receipts and transaction confirmations
• Communicate with you about your transactions
• Provide customer support
• Respond to complaints or service requests
• Prevent fraud, scams, and unauthorized activity
• Conduct AML, KYC, OFAC, sanctions, and compliance review
• Monitor transaction activity
• Investigate suspicious activity
• File required regulatory reports
• Maintain business and compliance records
• Comply with federal, state, and international laws
• Improve our website, services, and customer experience
• Send service updates
• Send marketing or promotional messages where legally permitted
• Protect Casa do Pix, Transamericas, customers, agents, partners, and the public
• Enforce our Terms of Service and other agreements

4. Legal and Compliance Purposes

We may use, retain, and disclose your information as required or permitted by law, including for:

• Anti-money laundering compliance
• Know Your Customer verification
• Sanctions screening
• Fraud prevention
• Consumer protection compliance
• State money transmitter licensing compliance
• Federal money services business compliance
• Regulatory examinations
• Law enforcement requests
• Subpoenas, court orders, or legal process
• Suspicious activity reporting
• Currency transaction reporting, where applicable
• Recordkeeping requirements
• Transaction monitoring

We may not be legally permitted to tell you when certain reports, reviews, or disclosures are made.

5. How We Share Information

We may share your information with the following parties:

A. Transamericas Services Corporation

Because Casa do Pix operates as an authorized agent, service, brand, and registered DBA of Transamericas Services Corporation, we share information with Transamericas as needed to provide regulated money transmission services, maintain compliance, process transactions, and operate the business.

B. Service Providers

These providers may use your information only as necessary to provide services to us or as otherwise permitted by law.

• Payment processors
• Banks
• Payout providers
• Pix or payment network providers
• Identity verification vendors
• Fraud prevention vendors
• Compliance technology providers
• Cloud hosting providers
• Customer support tools
• Email and messaging providers
• Website analytics providers
• IT and cybersecurity providers
• Document storage providers
• Professional advisors

C. Authorized Agents and Locations

We may share information with authorized agents, locations, representatives, or service channels involved in your transaction or customer support request.

D. Financial Institutions and Payment Networks

We may share information with banks, payment processors, card networks, payout providers, correspondent institutions, and other financial partners to process, settle, refund, investigate, or verify transactions.

E. Recipients

We may share limited information with your recipient where necessary to complete a transaction, confirm payment, deliver funds, or resolve a service issue.

F. Regulators, Government Agencies, and Law Enforcement

We may share information with regulators, law enforcement, courts, government agencies, or other authorities when required or permitted by law.

This may include the New Jersey Department of Banking and Insurance, FinCEN, federal agencies, state regulators, law enforcement agencies, or other government authorities.

G. Business Transfers

We may share or transfer information in connection with a merger, acquisition, financing, sale, reorganization, bankruptcy, transfer of assets, or similar business transaction involving Casa do Pix, Transamericas, or their business operations.

H. Legal Protection

We may disclose information when we believe it is necessary to:

• Protect our rights
• Enforce our Terms of Service
• Prevent fraud
• Protect customers
• Protect agents and employees
• Protect the security of our systems
• Respond to legal claims
• Prevent financial loss or illegal activity

6. Information We Do Not Sell

• We do not sell your personal information in exchange for money.
• We do not sell your sensitive financial information.
• We do not share your personal information with unaffiliated third parties for their own independent marketing purposes unless permitted by law and disclosed to you.

7. Marketing Communications

We may send you service-related communications, including transaction updates, receipts, compliance requests, account notices, and customer support messages.

We may also send promotional communications about Casa do Pix services, offers, or updates where legally permitted.

You may opt out of marketing messages by following the instructions in the message or contacting us at support@casadopix.app

Even if you opt out of marketing, we may still send you important service, legal, compliance, security, or transaction-related communications.

8. WhatsApp, SMS, and Messaging Privacy

Casa do Pix may communicate with you through WhatsApp, SMS, phone, email, website chat, or other messaging services.

By using these channels, you understand that:

• WhatsApp, SMS, mobile carriers, and email providers are third-party services
• Their own terms and privacy policies may apply
• Messages may not always be fully secure
• We may keep records of communications for service, compliance, legal, quality, and fraud prevention purposes
• You should not send sensitive information unless requested through an approved Casa do Pix process

We may use WhatsApp or SMS to send transaction updates, customer support messages, compliance requests, and service notifications.

9. Cookies and Website Tracking

Our website may use cookies, pixels, analytics tools, and similar technologies to:

• Operate the website
• Remember preferences
• Improve user experience
• Understand website traffic
• Detect fraud or abuse
• Measure marketing performance
• Improve security

You may be able to control cookies through your browser settings. Blocking cookies may affect website functionality.

10. Data Security

We use reasonable administrative, technical, and physical safeguards designed to protect your information from unauthorized access, loss, misuse, alteration, or disclosure.

These safeguards may include:

• Identity verification controls
• Access restrictions
• Employee training
• Secure systems
• Encryption where appropriate
• Fraud monitoring
• Compliance review
• Vendor controls
• Data retention policies
• Incident response procedures

No system, website, payment method, messaging service, or electronic storage method is completely secure. We cannot guarantee absolute security.

The FTC states that financial institutions subject to the Safeguards Rule are required to maintain safeguards to protect customer information.

11. Data Retention

We keep personal information for as long as necessary to:

• Provide the Services
• Complete transactions
• Maintain business records
• Comply with legal and regulatory obligations
• Resolve disputes
• Prevent fraud
• Enforce agreements
• Support audits and examinations
• Meet AML, BSA, FinCEN, tax, accounting, and money transmitter recordkeeping requirements

Because we provide regulated financial services, we may be required to retain certain records even after your transaction is complete or your relationship with us ends.

When information is no longer needed, we may securely delete, anonymize, or archive it in accordance with our policies and legal obligations.

12. Your Choices and Rights

Depending on applicable law, you may have the right to:

• Request access to certain personal information we maintain about you
• Request correction of inaccurate information
• Request deletion of certain information, subject to legal exceptions
• Opt out of certain marketing communications
• Ask questions about our privacy practices
• File a complaint regarding our handling of your information

Because Casa do Pix and Transamericas provide regulated financial services, we may not be able to delete or remove information that we are legally required to keep.

To make a privacy request, contact: support@casadopix.app

We may need to verify your identity before responding to your request.

13. Nonpublic Personal Information

As a financial services provider, we may collect and handle nonpublic personal information about customers.

The Gramm-Leach-Bliley Act protects consumer financial privacy and limits when financial institutions may disclose nonpublic personal information to nonaffiliated third parties.

We use and disclose nonpublic personal information only as described in this Privacy Policy, our notices, our agreements, and as permitted or required by law.

14. Children's Privacy

Our Services are not intended for children under 18.

We do not knowingly collect personal information from children under 18. If we learn that we collected information from a child under 18 without appropriate authorization, we will take appropriate steps to delete the information, unless we are legally required to retain it.

15. International Transfers

Casa do Pix provides services that may involve international money transfers, including transfers to Brazil.

To provide these services, we may share transaction and recipient information with banks, payout providers, payment networks, compliance partners, and service providers located in the United States, Brazil, or other countries.

Privacy laws in other countries may differ from those in the United States. By using the Services, you understand that your information may be processed or shared internationally as necessary to complete transactions and comply with law.

16. Brazil-Related Transactions and Pix Information

For transactions involving Brazil or Pix-related services, we may collect and share information needed to process payments, verify recipients, comply with law, and complete payout instructions.

You are responsible for providing accurate recipient information.

• Recipient name
• Recipient CPF or CNPJ, where required
• Pix key
• Bank account information
• Phone number
• Email address
• Payment purpose
• Transaction details
• Compliance information

17. Third-Party Links and Services

Our website, messages, or services may contain links to third-party websites, apps, payment services, or platforms.

We are not responsible for the privacy practices, content, security, or policies of third-party websites or services.

You should review the privacy policies of any third-party service you use.

18. Social Media and Public Communications

If you interact with Casa do Pix on social media, public pages, comments, reviews, or public messaging channels, your information may be visible to others.

Do not post sensitive personal, financial, identification, or transaction information publicly.

We may use public comments, reviews, tags, or posts for customer support, marketing, or business purposes where legally permitted.

19. Business Customers and Agents

If you are a business customer, authorized agent, vendor, contractor, employee, representative, or business partner, we may collect business-related and personal information needed to:

• Evaluate your application
• Verify identity and business information
• Conduct background or compliance checks
• Set up services
• Monitor activity
• Pay commissions or fees
• Provide support
• Maintain compliance records
• Manage the business relationship

This may include ownership information, tax information, business licenses, bank information, and compliance documents.

20. Fraud Prevention and Risk Monitoring

We may use your information to detect, prevent, investigate, and respond to fraud, scams, unauthorized transactions, suspicious activity, identity theft, account misuse, sanctions exposure, and other risks.

We may use automated tools, manual review, third-party databases, transaction monitoring, and fraud scoring to support these efforts.

We may refuse, delay, suspend, or cancel transactions based on risk or compliance review.

21. Information Accuracy

You are responsible for providing accurate and complete information.

If your information changes, you should contact us to update it.

We are not responsible for issues, delays, losses, failed transactions, incorrect payments, or compliance concerns caused by inaccurate, incomplete, or outdated information provided by you.

22. Privacy Notice for U.S. Financial Services

Federal financial privacy laws may give customers the right to limit some but not all sharing of personal information by financial institutions. Federal law also permits sharing for everyday business purposes, such as processing transactions, maintaining accounts, responding to court orders, reporting to credit bureaus where applicable, or preventing fraud.

Casa do Pix and Transamericas may share information as necessary for everyday business and compliance purposes, including:

• Processing transactions
• Maintaining customer records
• Responding to legal requests
• Reporting to regulators
• Preventing fraud
• Verifying identity
• Supporting customer service
• Working with service providers
• Operating as an authorized agent and licensed money transmitter structure

To ask questions about limiting certain sharing, contact: support@casadopix.app

23. Changes to This Privacy Policy

We may update this Privacy Policy from time to time.

Updated versions may be posted on our website or provided through another approved communication channel.

The updated Privacy Policy becomes effective when posted or on the effective date listed in the updated policy.

Your continued use of Casa do Pix after the updated Privacy Policy becomes effective means you accept the updated policy.

24. Contact Us

For privacy questions, requests, complaints, or customer support, contact: