{"id":21060,"date":"2026-01-13T18:26:43","date_gmt":"2026-01-13T18:26:43","guid":{"rendered":"https:\/\/credilink.pt\/?page_id=21060"},"modified":"2026-01-22T15:30:05","modified_gmt":"2026-01-22T15:30:05","slug":"privacy-policy-2","status":"publish","type":"page","link":"https:\/\/credilink.pt\/en\/privacy-policy-2\/","title":{"rendered":"Legal Information"},"content":{"rendered":"\t\t
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Legal Information<\/h1>\t\t\t\t<\/div>\n\t\t\t\t
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Credilink \u2013 Credit Intermediation Ltd., with tax identification number (NIPC) 515 700 738 and registered office at Rua de Cam\u00f5es 219, 3D, 4000-145 Porto, is a legal entity duly registered with the Bank of Portugal under registration number 5976. It provides credit intermediation services in accordance with the requirements set out in Decree-Law No. 81-C\/2017 of 7 July. This page complies with the provisions established in Article 53(1) of the aforementioned decree-law.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Contacts for the Exercise of the Activity<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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For matters related to credit intermediation activities in mainland Portugal, you may contact Jo\u00e3o Ferreira via the following details, on business days between 9:00 a.m. and 6:00 p.m.:

Email \u2013 joao.ferreira@credilink.pt<\/a>
Telephone \u2013 220931683

Registered Office \u2013 Rua de Cam\u00f5es, 219, 3\u00baD \u2013 4000-145 Porto

Customer Service Address \u2013 Rua de Cam\u00f5es, 219, 3\u00baD \u2013 4000-145 Porto

While operating exclusively as a credit intermediary, Credilink\u2019s activity is subject to the supervision of the Bank of Portugal. Credilink is registered with the Bank of Portugal under registration number 0005976, which may be verified via the following link: https:\/\/www.bportugal.pt\/intermediariocreditofar\/credilink-intermediacao-de-credito-lda<\/a> <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Registration Category<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Credilink is registered as a Tied Credit Intermediary. Credilink does not grant credit and its activity is limited exclusively to credit intermediation with the financial institutions with which it has a contractual relationship.

Identification of Lenders with whom Credilink maintains a tied contractual relationship:

BANCO SANTANDER TOTTA, S.A.
CAIXA GERAL DE DEP\u00d3SITOS, S.A.
BANCO CTT, S.A.
BANCO BPI S.A.
COFIDIS
BANKINTER, S.A. \u2013 BRANCH IN PORTUGAL
NOVO BANCO, S.A.
BANCO CREDIBOM, SA
UNICRE \u2013 INSTITUI\u00c7\u00c3O FINANCEIRA DE CR\u00c9DITO, S.A.
ABANCA CORPORACI\u00d3N BANCARIA, S.A., BRANCH IN PORTUGAL
BNP PARIBAS PERSONAL FINANCE, S.A. \u2013 BRANCH IN PORTUGAL
MONTEPIO CR\u00c9DITO \u2013 INSTITUI\u00c7\u00c3O FINANCEIRA DE CR\u00c9DITO, S.A.
BANCO BIC PORTUGU\u00caS, SA
BBVA, INSTITUI\u00c7\u00c3O FINANCEIRA DE CR\u00c9DITO S.A.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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Credit Intermediation Services<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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Credilink is authorised to provide the following credit intermediation services:<\/p>

  1. Presentation or proposal of credit agreements to consumers;<\/li>
  2. Assistance to consumers through preparatory acts or other pre-contractual management activities relating to credit agreements that have not been presented or proposed directly by Credilink;<\/li>
  3. Conclusion of credit agreements with consumers on behalf of lenders.<\/li>
  4. Advisory Services: Yes<\/li><\/ol>

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    Credilink is prohibited from receiving or collecting any fees or other amounts related to the formation, execution, or early repayment of credit agreements, pursuant to Article 46 of the RJIC. The credit intermediation services provided by Credilink are therefore free of charge for its clients. However, Credilink is remunerated by the financial institutions with which it has a tied contractual relationship. <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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    Professional Civil Liability Insurance<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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    Mortgage Credit \u2013 Entity providing civil liability coverage for mortgage credit activities:
    Hiscox S.A., Branch in Portugal, Policy No. 2520038, valid from 01\/06\/2025 to 31\/05\/2026.

    Consumer Credit \u2013 Entity providing civil liability coverage for consumer credit activities:
    Hiscox S.A., Branch in Portugal, Policy No. 2520039, valid from 01\/06\/2025 to 31\/05\/2026.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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    Submission of Complaints<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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    If you have any complaint related to credit intermediation services, you may use the following channels:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t

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    \n\t\t\t\t\t\tCredilink \u2013 by email at info@credilink.pt or in person at the customer service address;\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t

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    \n\t\t\t\t\t\tElectronic Complaints Book (Livro de Reclama\u00e7\u00f5es Eletr\u00f3nico);\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t

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    \n\t\t\t\t\t\tBank of Portugal \u2013 through the contact details available at www.bportugal.pt.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t

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    Alternative Consumer Dispute Resolution (RAL)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t
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    Pursuant to Article 18 of Law No. 144\/2015 of 8 September, Credilink \u2013 Intermedia\u00e7\u00e3o de Cr\u00e9dito, Lda. informs that, in the event of a consumer dispute, the consumer may resort to the following Alternative Consumer Dispute Resolution entities:<\/p>

    Competent ADR Entities<\/strong><\/p>

    CICAP \u2013 Consumer Information and Arbitration Centre of Porto<\/strong>
    Address:Rua Dami\u00e3o de G\u00f3is, n\u00ba 31, Loja 6, 4050-225 Porto
    Telephone: 225 508 349 \/ 225 029 791
    Email: cicap@cicap.pt<\/a>
    Website:     www.cicap.pt<\/a><\/p>

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    CNIACC \u2013 National Centre for Consumer Conflict Information and Arbitration<\/strong>
    Address: Rua D. Afonso Henriques, n\u00ba 1, 4700-030 Braga, Portugal
    Telephone: 253 619 107
    Email:     geral@cniacc.pt<\/a>
    Website:     https:\/\/www.cniacc.pt<\/a><\/p>

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    For further information, you may also consult the Consumer Portal at www.consumidor.gov.pt<\/a><\/p>\t\t\t\t\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>\n\t\t","protected":false},"excerpt":{"rendered":"

    Legal Information Credilink \u2013 Credit Intermediation Ltd., with tax identification number (NIPC) 515 700 738 and registered office at Rua de Cam\u00f5es 219, 3D, 4000-145 Porto, is a legal entity duly registered with the Bank of Portugal under registration number 5976. It provides credit intermediation services in accordance with the requirements set out in Decree-Law […]<\/p>\n","protected":false},"author":5,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-21060","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\nLegal Information - Credilink<\/title>\n<meta name=\"description\" content=\"Legal information about Credilink as a tied credit intermediary, including mandatory disclosures and applicable legal framework.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/credilink.pt\/en\/privacy-policy-2\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Legal Information - Credilink\" \/>\n<meta property=\"og:description\" content=\"Legal information about Credilink as a tied credit intermediary, including mandatory disclosures and applicable legal framework.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/credilink.pt\/en\/privacy-policy-2\/\" \/>\n<meta property=\"og:site_name\" content=\"Credilink\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/credilink.pt\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-22T15:30:05+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/credilink.pt\\\/en\\\/privacy-policy-2\\\/\",\"url\":\"https:\\\/\\\/credilink.pt\\\/en\\\/privacy-policy-2\\\/\",\"name\":\"Legal Information - 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