{"id":1871,"date":"2026-04-20T10:23:42","date_gmt":"2026-04-20T10:23:42","guid":{"rendered":"https:\/\/www.optifinance.pt\/code-of-ethics-and-conduct\/"},"modified":"2026-04-20T11:32:45","modified_gmt":"2026-04-20T11:32:45","slug":"code-of-ethics-and-conduct","status":"publish","type":"page","link":"https:\/\/www.optifinance.pt\/en\/code-of-ethics-and-conduct\/","title":{"rendered":"Code of Ethics and Conduct"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"1871\" class=\"elementor elementor-1871 elementor-1837\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5885c99a elementor-section-boxed elementor-section-height-default elementor-section-height-default jltma-glass-effect-no\" data-id=\"5885c99a\" 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-21050b93 jltma-glass-effect-no\" data-id=\"21050b93\" 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-b84bfd9 jltma-glass-effect-no elementor-widget elementor-widget-text-editor\" data-id=\"b84bfd9\" 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><strong>CREDIT INTERMEDIARY AUTHORISED BY THE BANK OF PORTUGAL No. 0007221<\/strong><\/p><p>This code applies to the management bodies and all staff involved in credit intermediation activities within this company.<\/p>\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-84a1a37 jltma-glass-effect-no elementor-widget elementor-widget-accordion\" data-id=\"84a1a37\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1391\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1391\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Rules of Conduct<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1391\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1391\"><p>Management bodies and all staff involved in credit intermediation are required, in their dealings with clients, lenders or other credit intermediaries, to act with diligence, loyalty, discretion and conscientious respect for the interests entrusted to them, in particular consumer rights.<\/p>\n<p>A credit intermediary has a duty to:<\/p>\n<ul>\n<li>Refrain from acting as an intermediary in contracts about which you do not have accurate, objective and detailed information.<\/li>\n<li>We shall also endeavour to conduct our business based on the information obtained regarding the customer\u2019s financial situation, their objectives and needs, whilst also taking into account the assumptions for risk analysis that may affect the consumer\u2019s financial situation during the term of the contract.<\/li>\n<li>To work to prevent consumers from making unlawful, inaccurate, incomplete or unintelligible statements<\/li>\n<\/ul>\n<p>They also undertake to:<\/p>\n<ul>\n<li>To act with loyalty, good faith, impartiality, rigour, efficiency, professionalism and common sense, thereby helping to foster clients\u2019 trust in the credit intermediary.<\/li>\n<li>Always take consumers\u2019 interests into account, providing advice and information about the products on offer to enable them to make conscious, informed and well-founded decisions.<\/li>\n<li>Employees and members of the management bodies are prohibited, in the course of their professional duties, from accepting any financial or non-financial benefits from clients or lenders that might compromise their duty of impartiality and respect for the interests of consumers.<\/li>\n<\/ul>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1392\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1392\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Professional confidentiality<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1392\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1392\"><p>Employees and members of the management bodies undertake to strictly observe the confidentiality inherent in the duties they perform, ensuring that any information arising therefrom remains confidential.<\/p>\n<p>In addition to data and information relating to the financial, personnel or commercial circumstances of consumers and lenders, the duty of confidentiality extends to the business and corporate affairs of the credit intermediary, including: contracts, accounts, databases, IT systems and commercial strategies.<\/p>\n<p>Employees with access to inside information must refrain from using it for their own benefit or that of others, and must not disclose it to third parties not involved in the process.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1393\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1393\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Conflict of Interest Policy<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1393\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1393\"><p>The credit intermediary has organisational and administrative mechanisms in place to identify potential conflicts of interest, and also takes measures to minimise their occurrence or, should they arise, to ensure that consumers\u2019 interests are not prejudiced.<\/p>\n<p>Measures to prevent conflicts of interest:<\/p>\n<ul>\n<li>Employees and members of the management are prohibited from taking part in any proceedings where they have a direct or indirect interest.<\/li>\n<li>Employees and members of the management shall refrain from engaging in business activities whenever they carry out any activity that could be regarded as in direct competition with the consumer\u2019s business.<\/li>\n<li>Employees must take steps to avoid any actions that could prove detrimental to the interests of the employer, consumers or lenders.<\/li>\n<li>Should any conflict arise, the employee must immediately inform the credit intermediary.<\/li>\n<li>The credit intermediary shall inform the consumer whenever it finds that the existing mechanisms are insufficient to identify a conflict of interest; it shall provide the consumer with detailed and clear information (in writing), prior to the provision of the service, regarding the origin and nature of the conflict, as well as the measures taken to mitigate the risks. It shall also inform the lending institutions of the facts of the matter. <\/li>\n<\/ul>\n<p>Organisational measures adopted to mitigate the risk of conflicts of interest:<\/p>\n<ul>\n<li>It adheres to a rigorous recruitment and human resources policy.<\/li>\n<li>Keep up-to-date records of your employees and carry out a post-recruitment check for any circumstances that could give rise to a conflict of interest.<\/li>\n<li>All employees and members of the management bodies must complete a declaration of no conflict of interest and a questionnaire designed to identify any situations that could give rise to conflicts of interest.<\/li>\n<li>It keeps a record of identified and properly documented conflict situations and the corresponding mitigation measures.<\/li>\n<\/ul>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-1394\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1394\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><i class=\"fas fa-plus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><i class=\"fas fa-minus\"><\/i><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">Complaints \/ Treatment \/ Procedures<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"elementor-tab-content-1394\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1394\"><p>Procedures for Receiving Customer Complaints Customers and prospective customers may submit complaints using the IC\u2019s complaints book.<\/p>\n<p>The IC has a complaints book available in electronic format.<\/p>\n<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\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>CREDIT INTERMEDIARY AUTHORISED BY THE BANK OF PORTUGAL No. 0007221 This code applies to the management bodies and all staff involved in credit intermediation activities within this company. Rules of Conduct Management bodies and all staff involved in credit intermediation are required, in their dealings with clients, lenders or other credit intermediaries, to act with [&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-1871","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Code of Ethics and Conduct - optifinance<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.optifinance.pt\/en\/code-of-ethics-and-conduct\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Code of Ethics and Conduct - optifinance\" \/>\n<meta property=\"og:description\" content=\"CREDIT INTERMEDIARY AUTHORISED BY THE BANK OF PORTUGAL No. 0007221 This code applies to the management bodies and all staff involved in credit intermediation activities within this company. 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