Financefy S.A., credit intermediary with NIPC 516590456, and Financefy Mediação de Seguros, Lda. with NIPC 517328410, companies operating in the financial and insurance sectors, also trading under the name Poupança no Minuto. Our address is Rua Dr. José Joaquim de Almeida, Edifício Parque Oceano Nº 2, 3ºE, 2780-322 Oeiras.

Financefy S.A. is a credit intermediary registered with Banco de Portugal under number 0006860, and civil liability for credit intermediary activities is covered by insurance policy no. 206455323 valid from 14/03/2023 to 13/03/2024, and policy no. 206435932, valid from 22/02/2023 to 22/02/24, both with insurer Allianz Portugal, S.A.

FINANCEFY MEDIAÇÃO DE SEGUROS, LDA, insurance intermediary pursuant to article 4(c) and article 9(1)(a) of Law no. 7/2019 of 16 January, registered with the Insurance and Pension Funds Supervisory Authority (ASF) under no. 423578365, with civil liability covered by insurance policy no. PTEO000002, valid from 01/01/2024 to 31/12/2024 with insurer AIG Europa S.A.

Our Commitment

Financefy S.A., as a tied credit intermediary without exclusivity, and Financefy Mediação de Seguros Lda., as an insurance mediation company, are committed to safeguarding the interests and savings of our clients, presenting them with the best proposals on the market, whether financial or insurance, always with transparency and excellence, helping them make decisions through professionalism and integrity. Equally important is maintaining the security and protection of each client's personal data, having adequate tools to enable the exercise of data subjects' rights, complying with Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 – the General Data Protection Regulation (GDPR), and fulfilling confidentiality duties arising from credit intermediary and insurance mediation activities, as provided for in applicable national legislation.

Collection and Use of Personal Data

Personal data is information relating to a living, identified or identifiable person. A set of distinct pieces of information that can lead to the identification of a particular person also constitutes personal data. Personal data that has been anonymised, encoded or pseudonymised, but which can be used to re-identify a person, remains personal data and falls within the scope of the GDPR.

The main data we process:

Identification and contacts

Name, address, telephone contacts, email, civil identification number and tax identification number.

Biographical Data

Nationality, gender, date of birth, place of birth, marital status, information about household, data on profession and academic qualifications.

Financial data

Monthly and annual earnings, income tax (IRS), financial liabilities with credit institutions and financial assets.

Segments and profiles

Credit risk profile or rating, investment product acquisition profile, commercial segmentation profile for savings-oriented services such as loans and insurance.

Opinions and preferences

Management of data from satisfaction survey responses, management of client comments on social networks Facebook, LinkedIn, Instagram, management of comments on the websites www.financefy.pt and www.poupancanominuto.pt

Content

Management of information contained in communications between the client and Financefy, whether written or by telephone (if the call is recorded).

Use of websites and applications

Pages visited, IP address, geographic location and browser used.

Data is collected through the following channels:

Data provided by clients

Information provided directly by clients during the request submission process on the websites www.financefy.pt and www.poupancanominuto.pt, in emails exchanged between the client and the sales representative, in telephone interactions between the client and the sales representative, or during visits the client may make to our premises in Oeiras, and through responses to satisfaction surveys.

Our website www.financefy.pt and www.poupancanominuto.pt uses cookies that generate data relating to the use of the site by clients (example: articles most viewed by the client, the time spent on each article, the time spent on the site). For more information please consult the Cookie Policy by Financefy.

Data obtained from third-party entities

Financefy and Financefy Mediação de Seguros obtain data from third-party entities (partners) relating to the solvency analysis carried out on the client by partners, data relating to pre-approval of the process (FINE), cross-selling data, insurance data, and property valuation data. When the process proceeds to formalisation, we obtain data relating to the approval letter (final FINE), draft deed data, deed date data, and credit agreement data.

Obligation to provide personal data

Under the legal obligations relating to the anti-money laundering regime, Financefy SA and Financefy Mediação de Seguros Lda. must identify clients in order to obtain financing, normally through an identification document. If this identification is not carried out, Financefy SA and Financefy Mediação de Seguros Lda. cannot proceed with the process, under penalty of an infringement. During the commercial relationship between the client and Financefy SA and Financefy Mediação de Seguros Lda., the client will need to submit additional documents to fulfil pre-contractual and contractual obligations necessary for the formalisation of the process.

Purposes of Personal Data Processing

Personal data processed through this page will be used exclusively for the following purposes:

To enable Financefy S.A. and Financefy Mediação de Seguros Lda. to act as credit intermediary for the collection of data for credit proposals to credit institutions, and as insurance intermediary, respectively. This collection is necessary for pre-contractual or contractual steps at the request of the data subject;
To identify the services best suited to the user's specific situation, adapting and limiting them to what is necessary. This collection is necessary for pre-contractual or contractual steps at the request of the data subject;
Statistical analysis activities, compatible with and limited to the legitimate interest of Financefy S.A. and Financefy Mediação de Seguros Lda. within the scope of their commercial activity;
Marketing, based on the legal basis of legitimate interest, through promotional communications or marketing activities regarding products of Financefy S.A. and Financefy Mediação de Seguros Lda. analogous to previously requested services and products, taking into account the reasonable expectations of data subjects. The data subject may request their removal at any time.
Marketing and promotional communications based on consent given. The data subject may request their removal at any time.

Financefy S.A. and Financefy Mediação de Seguros Lda. guarantee the confidentiality of all data provided. Notwithstanding, Financefy S.A. and Financefy Mediação de Seguros Lda. collect and process data in a secure manner that prevents its loss or manipulation, using the most appropriate techniques for this purpose.

Failure to provide data marked as mandatory makes it impossible to respond to the data subject's request. Data is retained for the time necessary for the purposes for which it was collected, to comply with legal retention periods, and until the expiry of any liabilities of the data controller.

Exercise of Rights

Financefy S.A. and Financefy Mediação de Seguros Lda. guarantee the exercise of data subjects' rights in relation to their processing, whether to access, correct, add, update, delete or change communications consent. The data subject should contact Financefy S.A. or Financefy Mediação de Seguros Lda. by email at [email protected] . Your requests will be handled as promptly as possible. You may also use this contact method for any clarification or suggestion regarding these terms and conditions.

You may at any time cancel your newsletter subscription by clicking "cancel newsletter" in the footer of the email. In accordance with the GDPR and Law no. 58/2019 of 8 August, you may at any time withdraw your consent or exercise your rights of information, access, rectification, erasure, restriction, portability and objection by written request addressed to Financefy S.A. or Financefy Mediação de Seguros Lda. through the following means:

By post to the address: R. Dr. José Joaquim de Almeida, Nº2, 3E, 2780-322 Oeiras
Email to the electronic mail address: [email protected]

Supervisory Authority

The data subject also has the right to lodge a complaint with the National Data Protection Commission (CNPD) www.cnpd.pt .

How We Process Your Personal Data

The processing of personal data covers a broad set of operations carried out on personal data, by manual or automated means. It includes collection, recording, organisation, structuring, storage, adaptation or alteration, retrieval, consultation, use, disclosure by transmission, dissemination or any other form of making available, alignment or combination, restriction, erasure or destruction of personal data.

We process personal data lawfully and in accordance with its legal bases and specific purposes. The General Data Protection Regulation (GDPR) applies to the processing of personal data by wholly or partly automated means, as well as to the non-automated processing of personal data contained in filing systems.

We Retain Your Personal Data

We retain and process your personal data only for the period necessary and for as long as the legitimate purposes for which the client enrolled subsist, and to comply with contractual, legal and regulatory obligations, or to protect the legitimate interests of Financefy S.A. and Financefy Mediação de Seguros Lda.

What Data We Share

Access to personal data has a specific purpose, for the performance of duties, as well as to ensure compliance with all legal obligations of Financefy S.A. and Financefy Mediação de Seguros Lda. as tied credit intermediary and insurance mediator, respectively. Additionally, personal data may be made available to third-party entities in the legitimate interest of the Client:

Third-party entities

Public and supervisory bodies

Banco de Portugal, ASF, CNPD, tax authorities, whenever there is a legal or regulatory obligation to do so.

Partners

As a credit intermediary, Financefy will intermediate the credit application with the various partners with whom it has binding protocols.
BANKINTER, SA - SUCURSAL EM PORTUGAL
CAIXA GERAL DE DEPÓSITOS, S.A.
BANCO BPI S.A.
BANCO SANTANDER TOTTA, S.A.
ABANCA CORPORACIÓN BANCARIA, SA, SUCURSAL EM PORTUGAL
BANCO CTT, S.A.
NOVO BANCO, S.A.
COFIDIS
UNION DE CREDITOS INMOBILIARIOS, S.A.,
ESTABLECIMIENTO FINANCIERO DE CREDITO (SOCIEDAD UNIPERSONAL) - SUCURSAL EM PORTUGAL.

And as an insurance mediation company it will intermediate,
REAL VIDA SEGUROS S.A.,
ASISA VIDA SEGUROS S.A.U SUCURSAL PORTUGAL,
METLIFE EUROPE D.A.C SUCURSAL PORTUGAL,
PRÉVOIR-VIE GROUPE
PRÉVOIR S.A. and
APRIL PORTUGAL S.A.

Entities

Subcontractors and service providers acting on behalf of or under the instructions of Financefy.

Group Companies

Companies named as Poupança no Minuto or in which Financefy S.A. and Financefy Mediação de Seguros Lda. hold a stake.

As a tied credit intermediary without exclusivity, it is subject to banking secrecy. Therefore, the transfer of personal data to third-party entities is only carried out when there is sufficient authorisation within the client relationship and/or when the subcontractors engaged by us equally guarantee compliance with the confidentiality of clients' personal data, as well as other data protection regulations and legislation.

We Protect Your Data

We consider the protection of data confidentiality and integrity to be of the utmost importance, a fundamental pillar in the relationship of trust with our clients and partners who use our services. We have been continuously working on implementing appropriate security measures, processes and systems to protect your personal data against unauthorised destruction, alteration and access.

Changes to the Privacy Policy

Any future changes made to our privacy policy to align it with best market practices or future legislative or regulatory changes, aimed primarily at strengthening consumer rights, will be published on this page and, where appropriate, we will notify you by email. Check frequently for updates or changes to our privacy policy.

Contact Us

Any questions, comments and requests regarding this privacy policy are welcome and should be addressed to [email protected]