{"id":1336,"date":"2025-05-12T11:09:38","date_gmt":"2025-05-12T11:09:38","guid":{"rendered":"https:\/\/www.optifinance.pt\/credit-intermediation\/"},"modified":"2026-04-20T12:00:29","modified_gmt":"2026-04-20T12:00:29","slug":"credit-intermediation","status":"publish","type":"page","link":"https:\/\/www.optifinance.pt\/en\/credit-intermediation\/","title":{"rendered":"Credit Intermediation"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1336\" class=\"elementor elementor-1336 elementor-1334\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-65c87fb6 elementor-section-boxed elementor-section-height-default elementor-section-height-default jltma-glass-effect-no\" data-id=\"65c87fb6\" 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-22870662 jltma-glass-effect-no\" data-id=\"22870662\" 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-17f97359 jltma-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"17f97359\" 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. a commercial company with the NIPC 517272873, with headquarters at Rua Joaquim Ant\u00f3nio de Aguiar, nr43, 3\u00ba Drt 1070-150 Lisboa, carries out the activity of credit intermediation in the category of linked, under the terms of article 3 of Decree-Law no. 81-C\/2017.The company is registered with the Bank of Portugal under 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\" target=\"_blank\" rel=\"noopener\">https:\/\/www.bportugal.pt\/intermediariocreditofar\/optifinance-intermediacao-de-credito-lda<\/a>).<br>Optifinance, Intermedia\u00e7\u00e3o de Cr\u00e9dito Lda. does not grant credit, and its activity is merely intermediation, in accordance with the law. <\/p><p>Optifinance, Intermedia\u00e7\u00e3o de Cr\u00e9dito, Lda is registered as a <strong>Linked Credit Intermediary.<\/strong><\/p><p>Credit intermediaries are prohibited from receiving or delivering any amounts related to the formation, execution and early performance of credit agreements, under the terms of article 46 of the legal framework for credit intermediaries, approved by Decree-Law no. 81-C\/2017, of July 7.<\/p><h4><strong>Partners<\/strong><\/h4><ul class=\"wp-block-list\"><li>BANCO CTT, S.A.<\/li><li>BANCO BPI S.A.<\/li><li>SICAM &#8211; CAIXA CENTRAL E CAIXAS DE CR\u00c9DITO AGR\u00cdCOLA M\u00daTUO<\/li><li>ABANCA CORPORACI\u00d3N BANCARIA, S.A., SUCURSAL EM PORTUGAL<\/li><li>BANCO SANTANDER TOTTA, S.A.<\/li><li>BANKINTER, S.A. &#8211; SUCURSAL EM PORTUGAL<\/li><li>NOVO BANCO, S.A.<\/li><li>CAIXA GERAL DE DEP\u00d3SITOS, S.A.<\/li><li>BNI &#8211; BANCO DE NEG\u00d3CIOS INTERNACIONAL (EUROPA), S.A.<\/li><\/ul><h4><strong>Liability Insurance<\/strong><\/h4><ul class=\"wp-block-list\"><li>Mortgage Credit \u2013 Entity guaranteeing civil liability for mortgage credit activity \u2013 Hiscox, S.A. Sucursal em Portugal, Policy no. 2533547 valid from 21\/12\/2025 until 20\/12\/2026;<\/li><li>Cr\u00e9dito ao Consumo \u2013 Entity guaranteeing civil liability for consumer credit activity \u2013 Hiscox, S.A. Sucursal em Portugal, Policy no. 2533548 valid from 21\/12\/2025 until 20\/12\/2026.<\/li><\/ul><h4><strong>Dispute resolution:<\/strong><\/h4><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 class=\"wp-block-list\"><li><a href=\"https:\/\/www.cniacc.pt\/pt\/\" target=\"_blank\" rel=\"noopener\">CNIACC \u2013 Centro Nacional de Informa\u00e7\u00e3o e Arbitragem de Conflitos de Consumo;<\/a><\/li><li><a href=\"https:\/\/www.centroarbitragemlisboa.pt\/\" target=\"_blank\" rel=\"noopener\">Centro de Arbitragem de Conflitos de Consumo de Lisboa;<\/a><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbdd91e jltma-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"dbdd91e\" 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<h3 class=\"elementor-heading-title elementor-size-default\"><strong>Information regarding the activities of the credit intermediary<\/strong><\/h3><h6>Download the information as a PDF<\/h6>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a8c11a0 jltma-glass-effect-no elementor-invisible elementor-widget elementor-widget-button\" data-id=\"a8c11a0\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;slideInUp&quot;}\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.optifinance.pt\/wp-content\/uploads\/2026\/04\/optifinance_modelo_informacao_preevia_aos_consumidores.pdf\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" xmlns:xlink=\"http:\/\/www.w3.org\/1999\/xlink\" id=\"Layer_2_00000112613063140906066600000017405903199585062333_\" x=\"0px\" y=\"0px\" viewBox=\"0 0 14.8 16.2\" style=\"enable-background:new 0 0 14.8 16.2;\" xml:space=\"preserve\"><style type=\"text\/css\">\t.st0{fill:#FFFFFF;}<\/style><g id=\"Layer_1-2\">\t<path class=\"st0\" d=\"M0.1,3.9C0,6.9,0,9.8,0.1,12.8c0,0.4,0,0.7,0.1,1c0,0.5,0.1,1,0.4,1.5c0.2,0.6,0.7,0.8,1.2,0.8h0   c0.3,0,0.6,0,0.8-0.1c0.7-0.2,1.4-0.5,2.2-0.9c1.9-1,3.8-2.1,5.8-3.3c1-0.6,2-1.2,3-1.9c0.4-0.3,0.8-0.6,1-1   c0.2-0.4,0.3-0.7,0.2-1.1c-0.1-0.4-0.3-0.7-0.4-0.8c-0.4-0.5-0.9-0.9-1.6-1.3c-1.2-0.7-2.5-1.5-3.8-2.3C7.5,2.5,6,1.7,4.3,0.8   C3.7,0.5,2.9,0.1,2,0C1.4-0.1,1,0.2,0.7,0.6C0.4,1,0.3,1.5,0.2,2.1C0.2,2.6,0.1,3.3,0.1,3.9\"><\/path><\/g><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Download PDF<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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. a commercial company with the NIPC 517272873, with headquarters at Rua Joaquim Ant\u00f3nio de Aguiar, nr43, 3\u00ba Drt 1070-150 Lisboa, carries out the activity of credit intermediation in the category of linked, under the terms of article 3 of Decree-Law [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"class_list":["post-1336","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - 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