{"id":1173,"date":"2023-03-27T12:09:11","date_gmt":"2023-03-27T12:09:11","guid":{"rendered":"https:\/\/www.optifinance.pt\/legal-information\/"},"modified":"2026-04-20T10:39:58","modified_gmt":"2026-04-20T10:39:58","slug":"legal-information","status":"publish","type":"page","link":"https:\/\/www.optifinance.pt\/en\/legal-information\/","title":{"rendered":"Legal Information"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1173\" class=\"elementor elementor-1173 elementor-110\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-605e3038 elementor-section-boxed elementor-section-height-default elementor-section-height-default jltma-glass-effect-no\" data-id=\"605e3038\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-5ace1b01 jltma-glass-effect-no\" data-id=\"5ace1b01\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-726649e6 jltma-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"726649e6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We are credit intermediaries certified by the Bank of Portugal Optifinance, Intermedia\u00e7\u00e3o de Cr\u00e9dito, Lda, commercial company with the NIPC 517272873, headquartered at Rua Joaquim Ant\u00f3nio de Aguiar, nr43, 3\u00ba Drt 1070-150 Lisbon, develops the credit intermediation activity in the binding category, under the provisions of article 3, no. 1 of Decree-Law no. 81-C\/2017, registered with the Bank of Portugal, with registration number 0007221, which can be verified on the Bank of Portugal website <a href=\"https:\/\/www.bportugal.pt\/intermediariocreditofar\/optifinance-intermediacao-de-credito-lda\">(https:\/\/www.bportugal.pt\/intermediariocreditofar\/optifinance-intermediacao-de-credito-lda)<\/a> Optifinance, Intermedia\u00e7\u00e3o de Cr\u00e9dito Lda. does not grant credit, and its activity is merely intermediation, under the terms of the law<\/p><p><strong style=\"color: #008576;\">Dispute resolution:<\/strong><\/p><p>Optifinance, Credit Intermediation, Lda informs, under the terms and for the purposes provided in Law 144\/2015, of September 8, that in case of dispute, the consumer can resort to an Alternative Consumer Dispute Resolution Entity:<\/p><ul><li>CNIACC \u2013 National Center for Information and Arbitration of Consumer Conflicts;<\/li><li>Lisbon Consumer Conflict Arbitration Center;<\/li><\/ul><p><strong style=\"color: #008576;\">Civil liability insurance<\/strong><\/p><ul><li><strong style=\"color: #008576;\">Mortgage Loan<\/strong><\/li><li>Entity guaranteeing civil liability for mortgage credit activity &#8211; Hiscox S.A., Sucursal em Portugal, Policy no. 2533548 valid from December 21, 2025 until December 20, 2026;<\/li><\/ul><ul><li><strong style=\"color: #008576;\">Personal Loan <\/strong><\/li><li>Entity guaranteeing civil liability for consumer credit activity &#8211; Hiscox S.A., Sucursal em Portugal, Policy no. 2533547 valid from December 21, 2025 until December 20, 2026.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>We are credit intermediaries certified by the Bank of Portugal Optifinance, Intermedia\u00e7\u00e3o de Cr\u00e9dito, Lda, commercial company with the NIPC 517272873, headquartered at Rua Joaquim Ant\u00f3nio de Aguiar, nr43, 3\u00ba Drt 1070-150 Lisbon, develops the credit intermediation activity in the binding category, under the provisions of article 3, no. 1 of Decree-Law no. 81-C\/2017, registered [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-1173","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - 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