Terms and Conditions

These Terms and Conditions govern the use of the website clc-financialpartners.com.

The application of these Terms and Conditions is the responsibility of Cátia Andreia Lopes Cardoso, tax number 262 604 817.

Cátia Andreia Lopes Cardoso is a real estate consultant under AMI licence no. 19779 issued to Underline, Lda., a tied credit intermediary registered with Banco de Portugal under no. 0007509, and provides financial support services.

On this website you can buy digital products and subscribe to our services through the form provided.

Cátia Andreia Lopes Cardoso supplies products and services in the areas of Real Estate Consultancy, Credit Intermediation and Financial Support.

We always seek to ensure that all the information contained here is complete, up to date and correct. Please note, however, that inaccuracies may occur when you make a booking or purchase. Subject to the applicable law, we accept no liability for such inaccuracies.

We reserve the right to alter, add and delete information on our website at any time, without prior notice.

These terms and conditions apply to users who wish to make use of our digital products and services provided through this channel or through any of our online communication channels, and are deemed accepted by them.

Users who wish to make use of the digital products and services we advertise and provide through our website give their express consent to and accept these terms and conditions.

To Book a Meeting, the following data is collected as mandatory: full name and email address.

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).

In addition, a tax number may be provided for invoicing purposes.

We reserve the right to modify, without prior notice and at any time, the information and commercial offer presented regarding digital products, prices, promotions, commercial conditions and services.

Under Portuguese law, the prices of digital products are shown in euros and include VAT at the legal rate in force.

The prices of services, in turn, are provided by quotation, on completion of the booking form made available for that purpose, since setting them depends on factors that can only be assessed after contact with the client.

Our prices are presented in euros, regardless of the currency in which the transaction is made. Conversion charges on payments made in other currencies are borne by the user.

The following payment methods are available for paying for your services:

• Bank transfer
• PayPal

To go ahead and book a meeting, the user must complete the booking form made available for that purpose. A free initial meeting is then scheduled to present the client's needs, analyse strategy and present a quotation.

Cátia Andreia Lopes Cardoso is responsible for the invoicing process and may use subcontracted software for commercial management.

The accuracy of the data used to issue the invoice is the consumer's responsibility.

Digital products. The digital products we provide cannot be exchanged or returned once they have been made available following payment and the digital product has been supplied to the consumer, the consumer expressly declaring their consent to the loss of the right of withdrawal once those conditions are met, under article 17(1)(l) of Decree-Law no. 24/2014 of 14 February.

Services. In the case of services provided and subscribed to by the user, the right of withdrawal may be exercised within 14 days of the award and payment, unless the service awarded has already been provided, in which case the consumer gives express consent to the loss of the right of withdrawal, under article 17(1)(a) of Decree-Law no. 24/2014 of 14 February.

For free initial meetings, the user is entitled to two bookings; from the second rescheduling and/or no-show onwards, the meeting will be charged at the price indicated.

As regards paid scheduled meetings, failure to attend an online meeting subscribed to by the user without at least 24 hours' notice gives no right to a refund of the amount paid.

The client may reschedule a previously booked meeting only once, up to 24 hours in advance; any further change is treated as a no-show.

Booking a meeting requires payment of the corresponding amount at the time of booking.

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

The collection of personal data in our Newsletter Form is carried out in strict compliance with our Privacy Policy, which should be consulted for this purpose.

The content, including but not limited to the icons, images, trademarks, graphics, text, photographs and features on the website, is protected by intellectual property rights and/or personality rights.

That content, subject to copyright, industrial property rights, domain names and/or personality rights, belongs exclusively to Cátia Andreia Lopes Cardoso or to third parties who have authorised its use on the website.

By accessing the website, the user agrees not to copy, reproduce, alter, modify or publicly disclose any of its content, and not to insert or implement any link to this address on any website owned, maintained and/or operated by them or by a third party, whether their employer or not, without the prior express authorisation of Cátia Andreia Lopes Cardoso or of third parties previously designated by her.

Any breach by the user of the undertaking given above entails, without prejudice to any civil and/or criminal liability, the destruction of any copies, reproductions, transmissions or other derived and/or equivalent works produced by the user.

If the user becomes aware of any misuse of the website and its content, they agree to notify Cátia Andreia Lopes Cardoso of those facts immediately, using the contact details below.

In compliance with Portuguese Law no. 144/2015 of 8 September, we inform our users that any dispute between a consumer and Cátia Andreia Lopes Cardoso, in the course of purchasing any digital product or providing any service, is covered by the Alternative Consumer Dispute Resolution mechanisms governed by that Law no. 144/2015 of 8 September.

There are currently nine established Alternative Dispute Resolution bodies, which can be identified according to their functional and regional competence on the website consumidor.gov.pt, which should be consulted for further information. The bodies we have joined are identified here.

Credit intermediation activity is further subject to supervision by Banco de Portugal and to the complaint mechanisms provided for in Decree-Law no. 81-C/2017 of 7 July.

Real estate brokerage and consultancy activity is subject to the legal regime of Law no. 15/2013 of 8 February and to supervision and inspection by IMPIC, the Portuguese Institute of Public Markets, Real Estate and Construction.

Access to, and the conditions, operation and use of, our website are governed by Portuguese law, the competent court for resolving any disputes being the Judicial Court of the District of Guimarães, with express waiver of any other.

The activity provided is further subject to the rules of the Legal Regime laying down the requirements for access to and pursuit of the activity of credit intermediary and the provision of advisory services, set out in Decree-Law no. 81-C/2017 of 7 July.

Real estate brokerage and consultancy activity is subject to the Legal Regime governing real estate brokerage activity, set out in Law no. 15/2013 of 8 February.

Should any one or more of the provisions of these Terms and Conditions be held partly or wholly invalid, unlawful or ineffective by a competent authority, those provisions shall be deemed void, with the remaining provisions remaining valid and to be complied with, as provided by law.

Cátia Andreia Lopes Cardoso is always available to find solutions for her clients and to settle any complaint by mutual agreement, before any judicial or alternative dispute resolution route.

For any information, you may use the following contact:

Email: info@clc-financialpartners.com

If we need to contact you, we will do so using the email address you provided.

We have a registered Electronic Complaints Book available, which can be found at livroreclamacoes.pt.