{"id":1039,"date":"2024-03-27T23:04:05","date_gmt":"2024-03-27T23:04:05","guid":{"rendered":"https:\/\/meg-fin.com\/?page_id=1039"},"modified":"2026-04-22T08:25:22","modified_gmt":"2026-04-22T08:25:22","slug":"informacao-legal","status":"publish","type":"page","link":"https:\/\/meg-fin.com\/en\/informacao-legal\/","title":{"rendered":"Legal Information"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"1039\" class=\"elementor elementor-1039\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d8614f3 e-flex e-con-boxed e-con e-parent\" data-id=\"d8614f3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e5a0545 elementor-widget elementor-widget-html\" data-id=\"e5a0545\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n  .il-page { max-width: 800px; margin: 0 auto; padding: 40px 24px; }\r\n  .il-nav { display: flex; gap: 8px; flex-wrap: wrap; margin-bottom: 48px; }\r\n  .il-nav a { font-size: 13px; color: #666666; text-decoration: none; padding: 6px 14px; border: 1px solid #dddddd; border-radius: 20px; cursor: pointer; }\r\n  .il-nav a:hover, .il-nav a.active { color: #b8922a; border-color: #b8922a; }\r\n  .il-section { display: none; }\r\n  .il-section.active { display: block; }\r\n  .il-divider { width: 32px; height: 2px; background: #b8922a; margin-bottom: 16px; }\r\n  .il-section-title { font-size: 32px; font-weight: 400; color: #111111; margin-bottom: 40px; }\r\n  .il-block { margin-bottom: 36px; }\r\n  .il-label { font-size: 11px; text-transform: uppercase; letter-spacing: 0.08em; color: #b8922a; margin-bottom: 8px; }\r\n  .il-content { font-size: 15px; font-weight: 400; line-height: 1.8; color: #555555; }\r\n  .il-list { list-style: none; padding: 0; margin: 8px 0 0 0; }\r\n  .il-list li { font-size: 15px; font-weight: 400; line-height: 1.8; color: #555555; padding-left: 20px; position: relative; margin-bottom: 4px; }\r\n  .il-list li::before { content: \"\u2014\"; position: absolute; left: 0; color: #b8922a; }\r\n  .il-row { display: grid; grid-template-columns: 1fr 1fr; gap: 24px; margin-bottom: 36px; }\r\n  .il-card { background: #f8f8f6; border-radius: 8px; padding: 20px; }\r\n  .il-card .il-label { margin-bottom: 6px; }\r\n  .il-card .il-content { font-size: 14px; }\r\n  .il-link { color: #b8922a; text-decoration: none; }\r\n  .il-link:hover { text-decoration: underline; }\r\n  .il-update { font-size: 12px; color: #999999; margin-bottom: 32px; }\r\n  @media (max-width: 600px) { .il-row { grid-template-columns: 1fr; } }\r\n<\/style>\r\n\r\n<div class=\"il-page\">\r\n  <div class=\"il-nav\">\r\n    <a class=\"active\" onclick=\"ilShow('identificacao', this)\">Identification<\/a>\r\n    <a onclick=\"ilShow('privacidade', this)\">Privacy<\/a>\r\n    <a onclick=\"ilShow('cookies', this)\">Cookies<\/a>\r\n  <\/div>\r\n\r\n  <div class=\"il-section active\" id=\"identificacao\">\r\n    <div class=\"il-divider\"><\/div>\r\n    <p class=\"il-section-title\">Legal Information<\/p>\r\n\r\n    <div class=\"il-row\">\r\n      <div class=\"il-card\">\r\n        <div class=\"il-label\">Identification<\/div>\r\n        <div class=\"il-content\">\r\n          Mouco &amp; Gaspar, Lda.<br>\r\n          NIF 516 889 125<br>\r\n          Rua Dom Lopo Dias de Sousa, 4b<br>\r\n          2300-483 Tomar<br>\r\n          Share capital: \u20ac30,000.00\r\n        <\/div>\r\n      <\/div>\r\n      <div class=\"il-card\">\r\n        <div class=\"il-label\">Register<\/div>\r\n        <div class=\"il-content\">\r\n          Tied credit intermediary<br>\r\n          Authorised by<br>\r\n          Register n.\u00ba 6957<br><br>\r\n          <a class=\"il-link\" href=\"https:\/\/www.bportugal.pt\/intermediariocreditofar\/mouco-gaspar-lda\" target=\"_blank\" rel=\"noopener\">View public register<\/a>\r\n        <\/div>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <div class=\"il-block\">\r\n      <div class=\"il-label\">Authorised services<\/div>\r\n      <ul class=\"il-list\">\r\n        <li>Presentation or proposal of credit agreements to consumers<\/li>\r\n        <li>Assistance to consumers through preparatory pre-contractual management acts<\/li>\r\n        <li>Provision of advisory services<\/li>\r\n      <\/ul>\r\n    <\/div>\r\n\r\n    <div class=\"il-block\">\r\n      <div class=\"il-label\">Credit agreements covered<\/div>\r\n      <ul class=\"il-list\">\r\n        <li>Home and mortgage credit<\/li>\r\n        <li>Consumer credit (personal credit)<\/li>\r\n      <\/ul>\r\n    <\/div>\r\n\r\n    <div class=\"il-block\">\r\n      <div class=\"il-label\">Lenders under binding agreement<\/div>\r\n      <ul class=\"il-list\">\r\n        <li>Banco Santander Totta, S.A.<\/li>\r\n        <li>Caixa Geral de Dep\u00f3sitos, S.A.<\/li>\r\n        <li>Bankinter, S.A. \u2014 Sucursal em Portugal<\/li>\r\n        <li>Banco CTT, S.A.<\/li>\r\n        <li>Banco BPI, S.A.<\/li>\r\n        <li>Uni\u00f3n de Cr\u00e9ditos Inmobili\u00e1rios, S.A. \u2014 Sucursal em Portugal<\/li>\r\n        <li>Novo Banco, S.A.<\/li>\r\n        <li>Abanca Portugal, S.A.<\/li>\r\n        <li>BNI \u2014 Banco de Neg\u00f3cios Internacional (Europa), S.A.<\/li>\r\n        <li>SICAM \u2014 Caixa Central e Caixas de Cr\u00e9dito Agr\u00edcola M\u00fatuo<\/li>\r\n      <\/ul>\r\n    <\/div>\r\n\r\n    <div class=\"il-block\">\r\n      <div class=\"il-label\">Remuneration model<\/div>\r\n      <div class=\"il-content\">Mouco &amp; Gaspar, Lda. is remunerated directly by the financial institutions with which it has established binding agreements. Credit intermediation is provided free of charge to the consumer, this being a legal requirement under the legal framework governing credit intermediaries.<\/div>\r\n    <\/div>\r\n<div class=\"il-block\">\r\n  <div class=\"il-label\">Professional indemnity insurance<\/div>\r\n  <div class=\"il-content\">\r\n    Insurer: Hiscox S.A. \u2013 Portugal Branch<br>\r\n    Policy 2529530 valid from 15\/06\/2025 to 14\/06\/2026<br>\r\n    Policy 2529531 valid from 15\/06\/2025 to 14\/06\/2026\r\n  <\/div>\r\n<\/div>\r\n    <div class=\"il-block\">\r\n      <div class=\"il-label\">Supervision<\/div>\r\n      <div class=\"il-content\">The credit intermediation activity carried out by Mouco &amp; Gaspar, Lda. is subject to supervision by the Banco de Portugal.<\/div>\r\n    <\/div>\r\n\r\n    <div class=\"il-block\">\r\n      <div class=\"il-label\">Complaints<\/div>\r\n      <div class=\"il-content\">\r\n        Complaints may be submitted directly to Mouco &amp; Gaspar, Lda. at <a class=\"il-link\" href=\"mailto:contact@meg-fin.com\">contact@meg-fin.com<\/a>, to the Banco de Portugal via <a class=\"il-link\" href=\"https:\/\/clientebancario.bportugal.pt\/pt-pt\" target=\"_blank\" rel=\"noopener\">Banking Customer Portal<\/a> or at <a class=\"il-link\" href=\"https:\/\/www.livroreclamacoes.pt\" target=\"_blank\" rel=\"noopener\">Complaints Book<\/a>.\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <div class=\"il-block\">\r\n      <div class=\"il-label\">Alternative dispute resolution<\/div>\r\n      <div class=\"il-content\" style=\"margin-bottom:16px;\">Without prejudice to the right to recourse to the courts, in the event of a dispute arising from credit intermediation activity, the consumer may refer the matter to the following entities, in accordance with Decree-Law no. 81-C\/2017 of 7 July and Law no. 144\/2015 of 8 September:<\/div>\r\n      <div class=\"il-row\" style=\"margin-bottom:0\">\r\n        <div class=\"il-card\">\r\n          <div class=\"il-label\">CAUAL<\/div>\r\n          <div class=\"il-content\">\r\n            Centro de Arbitragem da Universidade Aut\u00f3noma de Lisboa<br>\r\n            Rua de Santa Marta, 43-E, 1.\u00ba C<br>\r\n            1150-293 Lisboa<br><br>\r\n            <a class=\"il-link\" href=\"mailto:centrodearbitragem@autonoma.pt\">centrodearbitragem@autonoma.pt<\/a><br>\r\n            <a class=\"il-link\" href=\"https:\/\/arbitragem.autonoma.pt\" target=\"_blank\" rel=\"noopener\">arbitragem.autonoma.pt<\/a>\r\n          <\/div>\r\n        <\/div>\r\n        <div class=\"il-card\">\r\n          <div class=\"il-label\">CNIACC<\/div>\r\n          <div class=\"il-content\">\r\n            Centro Nacional de Informa\u00e7\u00e3o e Arbitragem de Conflitos de Consumo<br>\r\n            Rua D. Afonso Henriques, 1<br>\r\n            4700-030 Braga<br><br>\r\n            <a class=\"il-link\" href=\"mailto:geral@cniacc.pt\">geral@cniacc.pt<\/a><br>\r\n            <a class=\"il-link\" href=\"https:\/\/www.cniacc.pt\" target=\"_blank\" rel=\"noopener\">www.cniacc.pt<\/a>\r\n          <\/div>\r\n        <\/div>\r\n      <\/div>\r\n      <div class=\"il-content\" style=\"margin-top:16px;\">More information: Consumer Portal \u2014 <a class=\"il-link\" href=\"https:\/\/www.consumidor.gov.pt\/contactos1\" target=\"_blank\" rel=\"noopener\">www.consumidor.gov.pt<\/a><\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"il-section\" id=\"privacidade\">\r\n    <div class=\"il-divider\"><\/div>\r\n    <p class=\"il-section-title\">Privacy Policy<\/p>\r\n    <p class=\"il-update\">Last updated: April 2026<\/p>\r\n\r\n    <div class=\"il-block\">\r\n      <div class=\"il-label\">Data controller<\/div>\r\n      <div class=\"il-content\">\r\n        Meg Fin is the trading name of Mouco &amp; Gaspar, Lda., VAT no. 516 889 125, registered at Rua Dom Lopo Dias de Sousa, 4b, 2300-483 Tomar, a tied credit intermediary registered with the Banco de Portugal under no. 6957.<br><br>\r\n        Privacy contact: <a class=\"il-link\" href=\"mailto:contact@meg-fin.com\">contact@meg-fin.com<\/a>\r\n      <\/div>\r\n    <\/div>\r\n\r\n    <div class=\"il-block\">\r\n      <div class=\"il-label\">What data we collect and why<\/div>\r\n      <div class=\"il-content\">We only collect data you provide directly, through the contact form available on the website: name, email address, phone number and the message you send us.<br><br>We do not collect browsing data, do not install tracking cookies and do not use behavioural analytics tools at this time. Should that change in the future, this policy will be updated before any additional data collection takes place.<br><br>Purpose: to respond to your contact request and, should we jointly decide to proceed, to initiate an assessment and advisory process.<br><br>Legal basis: consent, given at the time you submit the form (Art. 6(1)(a) GDPR).<\/div>\r\n    <\/div>\r\n\r\n    <div class=\"il-block\">\r\n      <div class=\"il-label\">What we do with your data<\/div>\r\n      <div class=\"il-content\">We use your data to respond to your request and, should we proceed to a service relationship, to manage the intermediation process. We do not sell, transfer or share your data with third parties for commercial purposes.<br><br>We may share information with our partner financial institutions when necessary for the provision of the service \u2014 and only to that extent. When we do so, we will inform you.<\/div>\r\n    <\/div>\r\n\r\n    <div class=\"il-block\">\r\n      <div class=\"il-label\">How long we retain your data<\/div>\r\n      <div class=\"il-content\">Data collected through the contact form is retained for as long as necessary to respond to your request. Should we proceed to an intermediation process, the retention period is determined by the legal obligations applicable to our regulated activity, namely those arising from the legal framework governing credit intermediaries.<\/div>\r\n    <\/div>\r\n\r\n    <div class=\"il-block\">\r\n      <div class=\"il-label\">Your rights<\/div>\r\n      <div class=\"il-content\">You have the right, at any time, to: access the data we hold about you, rectify incorrect or outdated data, erase your data, within what the law permits, restrict processing in certain circumstances, object to processing, withdraw consent, without affecting what was done prior to withdrawal.<br><br>To exercise any of these rights, write to us at <a class=\"il-link\" href=\"mailto:contact@meg-fin.com\">contact@meg-fin.com<\/a>. We will respond within one month.<br><br>If you consider that your rights have not been respected, you may lodge a complaint with the Comiss\u00e3o Nacional de Prote\u00e7\u00e3o de Dados (CNPD) at <a class=\"il-link\" href=\"https:\/\/www.cnpd.pt\" target=\"_blank\" rel=\"noopener\">www.cnpd.pt<\/a>.<\/div>\r\n    <\/div>\r\n  <\/div>\r\n\r\n  <div class=\"il-section\" id=\"cookies\">\r\n    <div class=\"il-divider\"><\/div>\r\n    <p class=\"il-section-title\">Cookie Policy<\/p>\r\n    <p class=\"il-update\">Last updated: April 2026<\/p>\r\n\r\n    <div class=\"il-block\">\r\n      <div class=\"il-label\">What are cookies<\/div>\r\n      <div class=\"il-content\">Cookies are small text files that a website stores on your device when you visit it. They serve various purposes: keeping sessions open, remembering preferences, or collecting information about how visitors navigate a website.<\/div>\r\n    <\/div>\r\n\r\n    <div class=\"il-block\">\r\n      <div class=\"il-label\">What we currently use<\/div>\r\n      <div class=\"il-content\">At this time, the Meg Fin website does not use tracking, analytics or advertising cookies. We do not install any third-party scripts that monitor your browsing behaviour.<br><br>The website may use strictly technical cookies \u2014 necessary for the functioning of the site itself, such as keeping the contact form operational. These cookies do not collect information about you as an individual and do not require your consent, pursuant to Art. 5(3) of Directive 2002\/58\/EC.<\/div>\r\n    <\/div>\r\n\r\n    <div class=\"il-block\">\r\n      <div class=\"il-label\">What may change in the future<\/div>\r\n      <div class=\"il-content\" style=\"margin-bottom:12px;\">It is possible that in the future we may add traffic analysis tools or other technologies that involve the installation of non-essential cookies. Should that happen:<\/div>\r\n      <ul class=\"il-list\">\r\n        <li>This policy will be updated before any additional cookies are installed<\/li>\r\n        <li>A cookie notice will be displayed with clear consent options<\/li>\r\n        <li>We will never install non-essential cookies without your prior consent<\/li>\r\n      <\/ul>\r\n    <\/div>\r\n\r\n    <div class=\"il-block\">\r\n      <div class=\"il-label\">How to manage cookies<\/div>\r\n      <div class=\"il-content\">Regardless of what this website uses, you can manage or delete cookies directly in your browser settings: Google Chrome, Mozilla Firefox, Safari, Microsoft Edge.<br><br>For any questions regarding this policy: <a class=\"il-link\" href=\"mailto:contact@meg-fin.com\">contact@meg-fin.com<\/a><\/div>\r\n    <\/div>\r\n  <\/div>\r\n<\/div>\r\n\r\n<script>\r\nfunction ilShow(id, el) {\r\n  document.querySelectorAll('.il-section').forEach(function(s) { s.classList.remove('active'); });\r\n  document.querySelectorAll('.il-nav a').forEach(function(a) { a.classList.remove('active'); });\r\n  document.getElementById(id).classList.add('active');\r\n  el.classList.add('active');\r\n}\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Identifica\u00e7\u00e3o Privacidade Cookies Informa\u00e7\u00e3o Legal Identifica\u00e7\u00e3o Mouco &amp; Gaspar, Lda. NIF 516 889 125 Rua Dom Lopo Dias de Sousa, 4b 2300-483 Tomar Capital social: 30.000,00 \u20ac Registo [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-1039","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Informa\u00e7\u00e3o Legal \u2014 Meg Fin<\/title>\n<meta name=\"description\" content=\"Informa\u00e7\u00e3o legal, pol\u00edtica de privacidade e cookies da Meg Fin \u2014 Mouco &amp; Gaspar, Lda.\" \/>\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.meg-fin.com\/pt_pt\/informacao-legal\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" 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