{"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":"2026-09-28T19:24:46","modified_gmt":"2026-09-28T19:24:46","slug":"informacao-legal","status":"publish","type":"page","link":"https:\/\/meg-fin.com\/pt_pt\/informacao-legal\/","title":{"rendered":"Informa\u00e7\u00e3o Legal"},"content":{"rendered":"\t\t<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 {\r\n    max-width: 800px;\r\n    margin: 0 auto;\r\n    padding: 40px 24px;\r\n  }\r\n\r\n  .il-nav {\r\n    display: flex;\r\n    gap: 8px;\r\n    flex-wrap: wrap;\r\n    margin-bottom: 48px;\r\n  }\r\n\r\n  .il-nav a {\r\n    font-size: 13px;\r\n    color: #666666;\r\n    text-decoration: none;\r\n    padding: 6px 14px;\r\n    border: 1px solid #dddddd;\r\n    border-radius: 20px;\r\n    cursor: pointer;\r\n  }\r\n\r\n  .il-nav a:hover,\r\n  .il-nav a.active {\r\n    color: #b8922a;\r\n    border-color: #b8922a;\r\n  }\r\n\r\n  .il-section {\r\n    display: none;\r\n  }\r\n\r\n  .il-section.active {\r\n    display: block;\r\n  }\r\n\r\n  .il-divider {\r\n    width: 32px;\r\n    height: 2px;\r\n    background: #b8922a;\r\n    margin-bottom: 16px;\r\n  }\r\n\r\n  .il-section-title {\r\n    font-size: 32px;\r\n    font-weight: 400;\r\n    color: #111111;\r\n    margin-bottom: 40px;\r\n  }\r\n\r\n  .il-block {\r\n    margin-bottom: 36px;\r\n  }\r\n\r\n  .il-label {\r\n    font-size: 11px;\r\n    text-transform: uppercase;\r\n    letter-spacing: 0.08em;\r\n    color: #b8922a;\r\n    margin-bottom: 8px;\r\n  }\r\n\r\n  .il-content {\r\n    font-size: 15px;\r\n    font-weight: 400;\r\n    line-height: 1.8;\r\n    color: #555555;\r\n  }\r\n\r\n  .il-list {\r\n    list-style: none;\r\n    padding: 0;\r\n    margin: 8px 0 0 0;\r\n  }\r\n\r\n  .il-list li {\r\n    font-size: 15px;\r\n    font-weight: 400;\r\n    line-height: 1.8;\r\n    color: #555555;\r\n    padding-left: 20px;\r\n    position: relative;\r\n    margin-bottom: 4px;\r\n  }\r\n\r\n  .il-list li::before {\r\n    content: \"\u2014\";\r\n    position: absolute;\r\n    left: 0;\r\n    color: #b8922a;\r\n  }\r\n\r\n  .il-row {\r\n    display: grid;\r\n    grid-template-columns: 1fr 1fr;\r\n    gap: 24px;\r\n    margin-bottom: 36px;\r\n    align-items: stretch;\r\n  }\r\n\r\n  .il-card {\r\n    background: #f8f8f6;\r\n    border-radius: 8px;\r\n    padding: 20px;\r\n    height: 100%;\r\n    box-sizing: border-box;\r\n  }\r\n\r\n  .il-card .il-label {\r\n    margin-bottom: 6px;\r\n  }\r\n\r\n  .il-card .il-content {\r\n    font-size: 14px;\r\n  }\r\n\r\n  .il-link {\r\n    color: #b8922a;\r\n    text-decoration: none;\r\n  }\r\n\r\n  .il-link:visited {\r\n    color: #b8922a;\r\n  }\r\n\r\n  .il-link:hover {\r\n    text-decoration: underline;\r\n  }\r\n\r\n  .il-update {\r\n    font-size: 12px;\r\n    color: #999999;\r\n    margin-bottom: 32px;\r\n  }\r\n\r\n  .il-button {\r\n    display: inline-block;\r\n    margin-top: 16px;\r\n    font-size: 14px;\r\n    color: #8a6d1f;\r\n    background: transparent;\r\n    text-decoration: none;\r\n    padding: 8px 18px;\r\n    border: 1px solid #8a6d1f;\r\n    cursor: pointer;\r\n    font-family: inherit;\r\n  }\r\n\r\n  .il-button:hover {\r\n    background: #8a6d1f;\r\n    color: #ffffff;\r\n  }\r\n\r\n  @media (max-width: 600px) {\r\n    .il-row {\r\n      grid-template-columns: 1fr;\r\n    }\r\n\r\n    .il-card {\r\n      height: auto;\r\n    }\r\n  }\r\n<\/style>\r\n\r\n\r\n<div class=\"il-page\">\r\n\r\n  <div class=\"il-nav\">\r\n    <a href=\"#identificacao\" class=\"active\" onclick=\"return ilShow('identificacao', this)\">Identifica\u00e7\u00e3o<\/a>\r\n    <a href=\"#privacidade\" onclick=\"return ilShow('privacidade', this)\">Privacidade<\/a>\r\n    <a href=\"#cookies\" onclick=\"return ilShow('cookies', this)\">Cookies<\/a>\r\n  <\/div>\r\n\r\n\r\n  <!-- IDENTIFICA\u00c7\u00c3O \/ INFORMA\u00c7\u00c3O LEGAL -->\r\n  <div class=\"il-section active\" id=\"identificacao\">\r\n\r\n    <div class=\"il-divider\"><\/div>\r\n    <p class=\"il-section-title\">Informa\u00e7\u00e3o Legal<\/p>\r\n\r\n\r\n    <!-- APRESENTA\u00c7\u00c3O -->\r\n    <div class=\"il-block\">\r\n      <div class=\"il-label\">Meg Fin<\/div>\r\n\r\n      <div class=\"il-content\">\r\n        A Meg Fin \u00e9 uma marca comercial registada de propriedade da Mouco &amp; Gaspar, Lda., NIPC 516 889 125, com sede em Rua Dom Lopo Dias de Sousa, 4b, 2300-483 Tomar.\r\n      <\/div>\r\n    <\/div>\r\n\r\n\r\n    <!-- IDENTIFICA\u00c7\u00c3O + REGISTO -->\r\n    <div class=\"il-row\">\r\n\r\n      <div class=\"il-card\">\r\n        <div class=\"il-label\">Identifica\u00e7\u00e3o<\/div>\r\n\r\n        <div class=\"il-content\">\r\n          Mouco &amp; Gaspar, Lda.<br>\r\n          NIPC 516 889 125<br>\r\n          Rua Dom Lopo Dias de Sousa, 4b<br>\r\n          2300-483 Tomar<br>\r\n          Capital social: 30.000,00 \u20ac\r\n        <\/div>\r\n      <\/div>\r\n\r\n\r\n      <div class=\"il-card\">\r\n        <div class=\"il-label\">Registo<\/div>\r\n\r\n        <div class=\"il-content\">\r\n          Intermedi\u00e1rio de cr\u00e9dito vinculado<br>\r\n          Autorizado pelo Banco de Portugal<br>\r\n          Registo n.\u00ba 6957<br><br>\r\n\r\n          <a\r\n            class=\"il-link\"\r\n            href=\"https:\/\/www.bportugal.pt\/intermediariocreditofar\/mouco-gaspar-lda\"\r\n            target=\"_blank\"\r\n            rel=\"noopener\"\r\n          >\r\n            Consultar registo p\u00fablico \u2192\r\n          <\/a>\r\n        <\/div>\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n\r\n    <!-- SERVI\u00c7OS AUTORIZADOS -->\r\n    <div class=\"il-block\">\r\n      <div class=\"il-label\">Servi\u00e7os autorizados<\/div>\r\n\r\n      <ul class=\"il-list\">\r\n        <li>Apresenta\u00e7\u00e3o ou proposta de contratos de cr\u00e9dito a consumidores<\/li>\r\n        <li>Assist\u00eancia a consumidores mediante actos preparat\u00f3rios de gest\u00e3o pr\u00e9-contratual<\/li>\r\n        <li>Presta\u00e7\u00e3o de servi\u00e7os de consultoria<\/li>\r\n      <\/ul>\r\n    <\/div>\r\n\r\n\r\n    <!-- CONTRATOS DE CR\u00c9DITO -->\r\n    <div class=\"il-block\">\r\n      <div class=\"il-label\">Contratos de cr\u00e9dito abrangidos<\/div>\r\n\r\n      <ul class=\"il-list\">\r\n        <li>Cr\u00e9dito \u00e0 habita\u00e7\u00e3o e hipotec\u00e1rio<\/li>\r\n        <li>Cr\u00e9dito ao consumo (cr\u00e9dito pessoal)<\/li>\r\n      <\/ul>\r\n    <\/div>\r\n\r\n\r\n    <!-- MUTUANTES -->\r\n    <div class=\"il-block\">\r\n      <div class=\"il-label\">Mutuantes com contrato de vincula\u00e7\u00e3o<\/div>\r\n\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 Inmobiliarios, 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\r\n    <!-- REMUNERA\u00c7\u00c3O -->\r\n    <div class=\"il-block\">\r\n      <div class=\"il-label\">Modelo de remunera\u00e7\u00e3o<\/div>\r\n\r\n      <div class=\"il-content\">\r\n        A Mouco &amp; Gaspar, Lda. \u00e9 remunerada directamente pelas institui\u00e7\u00f5es financeiras com as quais estabeleceu contratos de vincula\u00e7\u00e3o. A intermedia\u00e7\u00e3o de cr\u00e9dito \u00e9 prestada a t\u00edtulo gratuito para o consumidor, constituindo esta gratuitidade uma imposi\u00e7\u00e3o legal nos termos do regime jur\u00eddico dos intermedi\u00e1rios de cr\u00e9dito.\r\n      <\/div>\r\n    <\/div>\r\n\r\n\r\n    <!-- SEGUROS -->\r\n    <div class=\"il-block\">\r\n      <div class=\"il-label\">Seguros de responsabilidade civil<\/div>\r\n\r\n      <div class=\"il-content\">\r\n        Seguradora: Hiscox S.A. \u2013 Sucursal em Portugal<br>\r\n\r\n        Contrato 2529530 v\u00e1lido de\r\n        <span class=\"policy-start-date\"><\/span>\r\n        at\u00e9\r\n        <span class=\"policy-end-date\"><\/span><br>\r\n\r\n        Contrato 2529531 v\u00e1lido de\r\n        <span class=\"policy-start-date\"><\/span>\r\n        at\u00e9\r\n        <span class=\"policy-end-date\"><\/span>\r\n      <\/div>\r\n    <\/div>\r\n\r\n\r\n    <!-- SUPERVIS\u00c3O -->\r\n    <div class=\"il-block\">\r\n      <div class=\"il-label\">Supervis\u00e3o<\/div>\r\n\r\n      <div class=\"il-content\">\r\n        A actividade de intermedia\u00e7\u00e3o de cr\u00e9dito exercida pela Mouco &amp; Gaspar, Lda. est\u00e1 sujeita \u00e0 supervis\u00e3o do Banco de Portugal.\r\n      <\/div>\r\n    <\/div>\r\n\r\n\r\n    <!-- RECLAMA\u00c7\u00d5ES -->\r\n    <div class=\"il-block\">\r\n      <div class=\"il-label\">Reclama\u00e7\u00f5es<\/div>\r\n\r\n      <div class=\"il-content\">\r\n        As reclama\u00e7\u00f5es podem ser apresentadas directamente \u00e0 Mouco &amp; Gaspar, Lda. em\r\n\r\n        <a\r\n          class=\"il-link\"\r\n          href=\"mailto:contact@meg-fin.com\"\r\n        >\r\n          contact@meg-fin.com\r\n        <\/a>,\r\n\r\n        ao Banco de Portugal pelo\r\n\r\n        <a\r\n          class=\"il-link\"\r\n          href=\"https:\/\/clientebancario.bportugal.pt\/pt-pt\"\r\n          target=\"_blank\"\r\n          rel=\"noopener\"\r\n        >\r\n          Portal do Cliente Banc\u00e1rio\r\n        <\/a>\r\n\r\n        ou no\r\n\r\n        <a\r\n          class=\"il-link\"\r\n          href=\"https:\/\/www.livroreclamacoes.pt\"\r\n          target=\"_blank\"\r\n          rel=\"noopener\"\r\n        >\r\n          Livro de Reclama\u00e7\u00f5es\r\n        <\/a>.\r\n      <\/div>\r\n    <\/div>\r\n\r\n\r\n    <!-- RESOLU\u00c7\u00c3O ALTERNATIVA DE LIT\u00cdGIOS -->\r\n    <div class=\"il-block\">\r\n\r\n      <div class=\"il-label\">\r\n        Resolu\u00e7\u00e3o alternativa de lit\u00edgios\r\n      <\/div>\r\n\r\n      <div\r\n        class=\"il-content\"\r\n        style=\"margin-bottom:16px;\"\r\n      >\r\n        Sem preju\u00edzo do direito de recurso aos tribunais, em caso de lit\u00edgio emergente da actividade de intermedia\u00e7\u00e3o de cr\u00e9dito, o consumidor pode recorrer \u00e0s seguintes entidades, nos termos do Decreto-Lei n.\u00ba 81-C\/2017, de 7 de julho, e da Lei n.\u00ba 144\/2015, de 8 de setembro:\r\n      <\/div>\r\n\r\n\r\n      <!-- CAUAL + CNIACC -->\r\n      <div\r\n        class=\"il-row\"\r\n        style=\"margin-bottom:0;\"\r\n      >\r\n\r\n        <div class=\"il-card\">\r\n\r\n          <div class=\"il-label\">\r\n            CAUAL\r\n          <\/div>\r\n\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\r\n            <a\r\n              class=\"il-link\"\r\n              href=\"mailto:centrodearbitragem@autonoma.pt\"\r\n            >\r\n              centrodearbitragem@autonoma.pt\r\n            <\/a><br>\r\n\r\n            <a\r\n              class=\"il-link\"\r\n              href=\"https:\/\/arbitragem.autonoma.pt\"\r\n              target=\"_blank\"\r\n              rel=\"noopener\"\r\n            >\r\n              arbitragem.autonoma.pt\r\n            <\/a>\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n\r\n        <div class=\"il-card\">\r\n\r\n          <div class=\"il-label\">\r\n            CNIACC\r\n          <\/div>\r\n\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\r\n            <a\r\n              class=\"il-link\"\r\n              href=\"mailto:geral@cniacc.pt\"\r\n            >\r\n              geral@cniacc.pt\r\n            <\/a><br>\r\n\r\n            <a\r\n              class=\"il-link\"\r\n              href=\"https:\/\/www.cniacc.pt\"\r\n              target=\"_blank\"\r\n              rel=\"noopener\"\r\n            >\r\n              www.cniacc.pt\r\n            <\/a>\r\n          <\/div>\r\n\r\n        <\/div>\r\n\r\n      <\/div>\r\n\r\n\r\n      <div\r\n        class=\"il-content\"\r\n        style=\"margin-top:16px;\"\r\n      >\r\n        Mais informa\u00e7\u00f5es: Portal do Consumidor \u2014\r\n\r\n        <a\r\n          class=\"il-link\"\r\n          href=\"https:\/\/www.consumidor.gov.pt\/contactos1\"\r\n          target=\"_blank\"\r\n          rel=\"noopener\"\r\n        >\r\n          www.consumidor.gov.pt\r\n        <\/a>\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n  <\/div>\r\n\r\n\r\n\r\n  <!-- POL\u00cdTICA DE PRIVACIDADE -->\r\n  <div\r\n    class=\"il-section\"\r\n    id=\"privacidade\"\r\n  >\r\n\r\n    <div class=\"il-divider\"><\/div>\r\n\r\n    <p class=\"il-section-title\">\r\n      Pol\u00edtica de Privacidade\r\n    <\/p>\r\n\r\n    <p class=\"il-update\">\r\n      \u00daltima actualiza\u00e7\u00e3o: Setembro 2026\r\n    <\/p>\r\n\r\n\r\n    <!-- RESPONS\u00c1VEL -->\r\n    <div class=\"il-block\">\r\n\r\n      <div class=\"il-label\">\r\n        Respons\u00e1vel pelo tratamento\r\n      <\/div>\r\n\r\n      <div class=\"il-content\">\r\n        A Meg Fin \u00e9 a marca comercial da Mouco &amp; Gaspar, Lda., NIF 516 889 125, com sede em Rua Dom Lopo Dias de Sousa, 4b, 2300-483 Tomar, intermedi\u00e1rio de cr\u00e9dito vinculado registado junto do Banco de Portugal com o n.\u00ba 6957.<br><br>\r\n\r\n        Contacto para mat\u00e9rias de privacidade:\r\n\r\n        <a\r\n          class=\"il-link\"\r\n          href=\"mailto:contact@meg-fin.com\"\r\n        >\r\n          contact@meg-fin.com\r\n        <\/a>\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n\r\n    <!-- DADOS FORNECIDOS -->\r\n    <div class=\"il-block\">\r\n\r\n      <div class=\"il-label\">\r\n        Dados que nos fornece directamente\r\n      <\/div>\r\n\r\n      <div class=\"il-content\">\r\n        Atrav\u00e9s dos formul\u00e1rios dispon\u00edveis no site, podemos recolher o seu nome, o endere\u00e7o de email, o n\u00famero de telefone e as informa\u00e7\u00f5es que nos envia.<br><br>\r\n\r\n        Finalidade: responder ao seu pedido e, quando aplic\u00e1vel, realizar as dilig\u00eancias necess\u00e1rias \u00e0 an\u00e1lise do seu caso e \u00e0 eventual presta\u00e7\u00e3o dos nossos servi\u00e7os.<br><br>\r\n\r\n        Base jur\u00eddica: dilig\u00eancias pr\u00e9-contratuais realizadas a seu pedido (art. 6.\u00ba, n.\u00ba 1, al. b) do RGPD).\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n\r\n    <!-- NAVEGA\u00c7\u00c3O E COOKIES -->\r\n    <div class=\"il-block\">\r\n\r\n      <div class=\"il-label\">\r\n        Dados de navega\u00e7\u00e3o e cookies\r\n      <\/div>\r\n\r\n      <div class=\"il-content\">\r\n        Quando visita o site, utilizamos o Google Analytics para compreender de forma agregada como o site \u00e9 utilizado e o Google Ads para medir a efic\u00e1cia da nossa publicidade. Estas ferramentas podem tratar informa\u00e7\u00e3o relacionada com a sua navega\u00e7\u00e3o, como as p\u00e1ginas visitadas, o dispositivo utilizado e a origem da visita.<br><br>\r\n\r\n        A utiliza\u00e7\u00e3o de cookies de an\u00e1lise e publicidade depende da sua escolha no aviso de cookies. Se recusar, esses cookies n\u00e3o s\u00e3o armazenados no seu dispositivo e a medi\u00e7\u00e3o fica limitada de acordo com as suas prefer\u00eancias de consentimento. O acesso ao site n\u00e3o \u00e9 afectado.<br><br>\r\n\r\n        Base jur\u00eddica para a utiliza\u00e7\u00e3o de cookies de an\u00e1lise e publicidade: consentimento (art. 6.\u00ba, n.\u00ba 1, al. a) do RGPD).<br><br>\r\n\r\n        Pode alterar ou retirar o seu consentimento a qualquer momento. Mais informa\u00e7\u00e3o na nossa\r\n\r\n        <a\r\n          class=\"il-link\"\r\n          href=\"\/politica-de-cookies\/\"\r\n        >\r\n          Pol\u00edtica de Cookies\r\n        <\/a>.\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n\r\n    <!-- UTILIZA\u00c7\u00c3O DOS DADOS -->\r\n    <div class=\"il-block\">\r\n\r\n      <div class=\"il-label\">\r\n        O que fazemos com os seus dados\r\n      <\/div>\r\n\r\n      <div class=\"il-content\">\r\n        Usamos os seus dados para responder ao seu pedido e, se avan\u00e7armos para uma rela\u00e7\u00e3o de servi\u00e7o, para analisar e gerir o processo de intermedia\u00e7\u00e3o. N\u00e3o vendemos os seus dados pessoais nem os disponibilizamos a terceiros para fins comerciais pr\u00f3prios desses terceiros.<br><br>\r\n\r\n        Quando necess\u00e1rio \u00e0 an\u00e1lise ou presta\u00e7\u00e3o do servi\u00e7o solicitado, podemos transmitir informa\u00e7\u00e3o \u00e0s institui\u00e7\u00f5es financeiras relevantes para o seu processo, na medida necess\u00e1ria para esse efeito.\r\n      <\/div>\r\n\r\n    <\/div>\r\n\r\n\r\n    <!-- PRESTADORES -->\r\n    <div class=\"il-block\">\r\n\r\n      <div class=\"il-label\">\r\n        Prestadores de servi\u00e7os e transfer\u00eancias internacionais\r\n      <\/div>\r\n\r\n      <div class=\"il-content\">\r\n        Recorremos a prestadores de servi\u00e7os que tratam dados por nossa conta, nomeadamente para o alojamento do site e o envio de email. 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