Privacy Policy

To Book a Meeting, the following data is collected as mandatory, through a dedicated form: full name, telephone contact and email address.

In addition, a tax number may be provided, for invoicing purposes and to meet tax obligations.

Further data may also be requested, where it is essential to the service the user is purchasing given its specific nature.

In the specific case of financial intermediation services, Cátia Andreia Lopes Cardoso will collect the following personal data: i) identification data (full name, date of birth, place of birth, identity document number and tax number); ii) contact data (telephone numbers and address); iii) banking data (IBAN, BIC, account statements and debt declarations); iv) tax data (personal income tax returns, tax assessment notices, and others that may prove necessary); v) financial data (financial assets and liabilities in the financial sector); vi) salary and occupation data (payslips, employment contract or other proof of salary, academic qualifications and information about the occupation); vii) profile data (credit risk profile or rating, or propensity to acquire property); and viii) personal data of the owners of the home to be acquired (where available at the time the service is requested).

To complete our Newsletter Form, the following data is collected as mandatory: name and email address.

Electronic identification data is also collected, such as the IP address and browsing habits, but only if the user authorises visit measurement. Without that authorisation, none of this is collected. See the clause on visit measurement below, and the Cookie Policy.

Proper use of our website implies acceptance of our Terms and Conditions.

By subscribing to the newsletter through the form provided, the data subject gives consent to receive it, and their data is added to our database and becomes subject to our policy on the retention and processing of personal data.

Subscribing to the newsletter involves collecting the following data: name and email address.

Our newsletter contains technical, informative and educational content and tips, as well as news and promotional content.

We reserve the right to use subcontractors to manage the sending of the newsletter and the corresponding collection of personal data for that specific purpose.

Through the Meeting Booking Form on our website we collect the full name, telephone contact and email address.

This data is used to respond to the request made.

The data entered in our forms is automatically processed and stored by the software that supports the website.

We reserve the right to use subcontractors to process the data provided for the specific purpose stated here.

When you take part in social network forums such as Facebook, Twitter, Pinterest, TikTok, YouTube, Instagram, LinkedIn and others, you should be familiar with and understand the tools those sites provide, which allow you to decide how you share the personal data on your social network profile or profiles.

We are bound by the privacy practices or policies of those third parties, and we therefore recommend that you read the applicable privacy notices and terms of use, and related information, on how your personal data is used in those social network environments.

If you follow a link available on the website to another website and/or social network platform and provide personal data on that website, the processing of that data will be subject to that website's privacy statement and not to this one, and Cátia Andreia Lopes Cardoso bears no responsibility in that regard.

Users are asked for data that is mandatory for invoicing purposes, namely their full name, telephone contact and email address.

A tax number may also be provided for invoicing purposes.

We collect this data to meet tax obligations and to transmit it to the Portuguese Tax Authority, as required by law. This data is kept for the period legally stipulated for the retention of tax documents, and cannot be destroyed or erased during that period, even at the user's request.

Specific data needed for the effective provision of the services the user wishes to obtain from the organisation is also requested through our website.

This data is kept following all the technical and organisational measures needed to ensure its confidentiality and integrity. In relation to this data, the user may ask to exercise the rights provided for in law.

We reserve the right to use subcontractors to process the data provided for the specific purpose stated here.

The personal data collected by Cátia Andreia Lopes Cardoso is retained, with all technical, organisational and legal measures taken to keep it secure, for the legally required period and/or for as long as the purpose for which it was collected remains in force.

We expressly declare and guarantee that:

• We will properly process the personal data we collect from our users, ensuring it is processed lawfully, confidentially, fairly and transparently, and in a way that guarantees its security, in particular undertaking to protect that personal data against accidental or unlawful destruction, accidental loss, alteration, unauthorised disclosure or unauthorised access;
• We are in a position to ensure all appropriate technical and organisational measures so that the processing of personal data meets the requirements of the General Data Protection Regulation (Regulation (EU) 2016/679) and of Portuguese Law no. 58/2019 of 8 August;
• The personal data is intended for the provision of the service for which Cátia Andreia Lopes Cardoso was engaged and, in the case of credit intermediation, will be transferred to the credit institutions, failing which it becomes impossible to provide the service the Client has requested;
• We will keep the personal data accurate and up to date according to the information provided by the user;
• At the user's request we will destroy that personal data immediately and effectively.

Without prejudice to the conditions laid down in the applicable legislation, you have the following rights in respect of our processing of your Personal Data: (i) to request access to the data at any time (article 15 GDPR); (ii) to request the rectification of incorrect, incomplete or out-of-date information (article 16 GDPR); (iii) the right to withdraw your consent to receiving commercial communications at any time, whenever there is a legal basis, following the instructions given through our channels. If your personal data is used on the basis of your consent for reasons other than commercial communication, you may withdraw that consent using the means available; (iv) to request the erasure of the data, in the situations provided for by law (article 17 GDPR); (v) to request the restriction of processing, in the situations provided for by law (article 18 GDPR); (vi) to request data portability, in the situations provided for by law (article 20 GDPR).

For more information about your rights, or to exercise any of them, please send an email to info@clc-financialpartners.com, proceeding as follows: (1) describe the problem you are experiencing and what you want; (2) select which right you wish to exercise; (3) give the first and last name and the email address you use and have used in all interactions with us.

Requests to exercise rights are handled carefully by Cátia Andreia Lopes Cardoso. Such a request may be refused for failure to meet the legal requirements, but never in a way that compromises the right to a reply within a maximum of one month.

The data subject also has the right to lodge a complaint with a supervisory authority, in particular in the Member State of their residence, if they consider that the collection and use of their personal data infringes this Privacy Policy or the applicable legislation.

We measure visits to this site with Google Analytics, and we only do so with the user's consent, requested in a notice on arrival. Until there is an answer, or if the answer is a refusal, the tool is not even loaded and there is no contact whatsoever with Google's servers.

What that measurement collects, how long it lasts, and how to withdraw consent at any time, is set out in the Cookie Policy.

We take all the technical and organisational measures needed to protect, adequately and robustly, the data of our clients and users against unauthorised processing and access.

We also make every appropriate and reinforced effort to prevent the unauthorised or unlawful use of the user's personal data, as well as its loss, destruction or damage.

Although we cannot provide an absolute guarantee regarding users' data, we undertake, whenever there is a leak, loss or breach of personal data likely to entail a high risk to the rights and freedoms of our clients and users, to notify the supervisory authorities within up to 72 hours of becoming aware of it, and to inform the affected data subject in good time.

We safeguard the security of the user's personal data by the following means: (1) the use of certificate-based encryption in all communications on the website; and (2) limiting access to personal data to strictly necessary purposes, by identified individuals subject to confidentiality obligations.

If you have any doubt or further question about this Privacy Policy or about our processing of your Personal Data in general, contact us at info@clc-financialpartners.com.