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.

A FINANCEFY MEDIAÇÃO DE SEGUROS, LDA, mediador de seguros nos termos da alínea c) do art.º 4.º e do n.º 1, alínea a) do art.º 9.ºda Lei n.º 7/2019, de 16 de Janeiro, inscrita na Autoridade de Supervisão de Seguros e Fundos de Pensões (ASF) sob o n.º 423578365 e com a responsabilidade civil da atividade sendo assegurada com o número de apólice de seguro nº 7859958, válido de 04/01/2023 até 04/01/2024 realizado junto da seguradora Generali Seguros S.A.

The website www.poupancanominuto.com and www.financefy.pt were created, belong to and are operated and maintained by Financefy S.A., with registered office at Rua Dr. José Joaquim de Almeida, Edifício Parque Oceano Nº 2, 3º E 2780-322 Oeiras. We may at any time add, change or remove any of the Terms and Conditions by updating the content of this page; we recommend visiting our terms and conditions regularly.

Copyright

All content on poupancanominuto.com and financefy.pt is owned by Financefy S.A. and Financefy Mediação de Seguros Lda. and is protected under general law and national and international legislation on intellectual property, copyright and related rights, as well as by cybercrime law.

The copying, alteration, reproduction, publication, dissemination, transmission or distribution of any content on the site is expressly prohibited without authorisation from the respective authors.

However, the right of quotation is permitted by law provided the origin of the quoted content is clearly identified. Misappropriation, counterfeiting, exploitation of misappropriated or counterfeited content, unlawful identification and unfair competition are criminally punishable.

Financefy S.A. and Financefy Mediação de Seguros Lda reserve the right to take legal action against the authors of any unauthorised copying, reproduction, dissemination, commercial exploitation or any other misuse of the site's content, disclaiming any responsibility for any misuse of the site by third parties.

Indemnification

The user agrees to indemnify and hold harmless Financefy S.A. and Financefy Mediação de Seguros Lda. (including their subsidiaries, affiliates, directors and employees) from any claim or proceedings, including legal fees, arising from misuse of this service by the user, breach of this agreement or any infringement of intellectual or industrial property rights or any other right of any individual or company.

Warranty

The information presented on this website www.poupancanominuto.com is provided by FINANCEFY S.A. and Financefy Mediação de Seguros Lda. for informational purposes only and, to the maximum extent permitted by applicable law, is provided without any warranty, express or implied.

Notwithstanding the fact that the information, functions and applications on this site have been thoroughly analysed and are considered accurate, they may contain errors or inaccuracies, for which Financefy accepts no responsibility for any irregularities, errors or discontinuity of the site, nor that they are suitable and/or available for use in other locations.

As such, FINANCEFY S.A. and Financefy Mediação de Seguros Lda do not guarantee that the server and/or the site do not contain viruses or other harmful components.

Cookies

This site uses cookies to facilitate correct use of the site. Third parties are not obliged to accept cookies; however, if they do not accept them, the site may not function correctly.

Cookies are small text files that a website places on your computer or mobile device through your internet browser when you visit it. The placement of cookies will help the website recognise your device on your next visit(s). We use the term cookies in this policy to refer to all files that collect information in this way, and the term site to refer to Poupança no Minuto.

The cookies used do not collect information that identifies the user. Cookies collect generic information, namely how users reach and use the sites or the region of the country/countries from which they access the site, etc.

Cookies only retain information related to your preferences.

At any time, the user may, through their internet browser, choose to be notified about the receipt of cookies, as well as block their entry into their system.

Refusing the use of cookies on the site may result in the inability to access some of its areas or to receive personalised information.

Third-party links

FINANCEFY S.A. and Financefy Mediação de Seguros Lda may provide links to third-party pages. These sites do not belong to us nor are they operated or controlled by us and, for this reason, we are not responsible for such sites or their content. The use of these links is at the user's own risk.

Amendments

Given the special conditions of the service and in order to maintain an appropriate service at all times, FINANCEFY S.A. and Financefy Mediação de Seguros Lda. reserve the right to amend the terms and conditions of this agreement by notifying users of the changes on the website https://www.poupancanominuto.com

Contact

For any questions or queries regarding these terms and conditions, you may always contact us at the address mentioned above or send an email to [email protected].

Governing Law

This agreement is governed by the Portuguese Constitution, with the parties submitting any contentious matter arising from this Agreement to the Judges and Courts of Lisbon (Portugal). The headings of the clauses of this Agreement are used solely for the convenience of the parties and have no legal or contractual significance.