Terms & Conditions

1.1. These Terms and Conditions (hereinafter the “Terms”) govern access to and use of the finova.pt website, the tools made available on it, and the credit intermediation services provided by FINOVA — Susana Cardoso Montenegro Santos de Vasconcelos, a credit intermediary registered with Banco de Portugal under no. 0008496, in the Tied Credit Intermediary category (hereinafter “FINOVA”).

1.2. These Terms apply to any natural or legal person who accesses the website, uses the tools made available on it, namely the affordability calculator and the contact forms, or engages FINOVA’s services (hereinafter “User” or “Client”, as applicable).

1.3. Access to the website and use of its tools presuppose full acceptance of these Terms. Any User who does not agree with any of the provisions must refrain from using the website and the services.

1.4. The services are provided within Portuguese territory and are governed by Portuguese law, without prejudice to the website being accessible from other jurisdictions.

2.1. The services are provided by:

Trading name

FINOVA

Holder

Susana Cardoso Montenegro Santos de Vasconcelos

Address

Rua de Pedrouços 37B, 1400-285 Lisboa

Email

apoio@finova.pt

Telephone

+351 960 357 381

Banco de Portugal registration

no. 0008496

Category

Tied Credit Intermediary

Exclusivity regime

No

NIF

231 428 812

2.2. FINOVA carries out the activity of credit intermediation under the Legal Framework for Credit Intermediaries, approved by Decree-Law no. 81-C/2017 of 7 July, and is subject to supervision by Banco de Portugal.

2.3. Tied Credit Intermediary status means that FINOVA carries out its activity under tied agreements, in the name of and under the full and unconditional responsibility of the lending institutions with which those agreements were concluded. FINOVA is not subject to an exclusivity arrangement: it holds tied agreements with several lending institutions, identified on the Intermediary Details page.

2.4. The full regulatory information, including the scope of the registration, the lending institutions with which FINOVA has a relationship and the services covered, is available on the Intermediary Details page, under article 53 of Decree-Law no. 81-C/2017. The registration can be verified with Banco de Portugal at www.bportugal.pt.

3.1. FINOVA provides credit intermediation services, under article 9 of Decree-Law no. 81-C/2017, which include, in particular:

• a) presenting or proposing credit agreements to consumers;
• b) assisting consumers by carrying out preparatory acts or other pre-contractual management work in relation to credit agreements;
• c) providing advisory services, through personalised recommendations, where expressly agreed with the Client.

3.2. FINOVA is not a credit institution and does not grant credit. The analysis, approval and granting of any financing are the exclusive responsibility of the lending institution, which decides according to its own criteria. FINOVA does not guarantee the approval of any credit application, nor the terms the institutions may offer.

3.3. Website tools. The website provides tools of a purely informative nature, namely the affordability calculator and the repayment calculator:

• a) the results shown are indicative and are based exclusively on the information entered by the User and, where applicable, on Banco de Portugal references, namely the recommended affordability (DSTI) limit;
• b) the repayment figures result from the data entered by the User, namely amount, term and rate, and do not necessarily correspond to the terms, rates or charges actually applied by the lending institutions;
• c) the results do not constitute a credit offer, an agreement in principle or any commitment, and do not bind FINOVA or any lending institution;
• d) the actual financing position always depends on the lending institution’s analysis and on the documentary information that may be submitted.

3.4. The Client may initiate contact with FINOVA through the forms available on the website. Submitting a form does not, in itself, constitute engagement of the intermediation services, which is deemed established when FINOVA and the Client agree to begin handling the case.

4.1. FINOVA is remunerated by the lending institution, through a commission paid after the credit agreement is concluded.

4.2. Non-completion of the case. If the case is not completed, namely because the credit is not approved, because the Client withdraws or for any other reason, no amount is owed by the Client to FINOVA.

4.3. Information on the existence and amount of the remuneration paid by the lending institutions is made available to the Client under the applicable legal terms.

5.1. FINOVA’s obligations. FINOVA undertakes to:

• a) act honestly, fairly, transparently and professionally, taking into account the Client’s rights and interests;
• b) provide clear, sufficient and non-misleading information about the services and the solutions analysed;
• c) treat the Client’s information confidentially and in accordance with data protection legislation;
• d) present the Client’s case to the lending institutions deemed suitable for their profile and objectives.

5.2. Client’s obligations. The Client undertakes to:

• a) provide truthful, complete, current and accurate information, namely regarding their financial situation, income and liabilities;
• b) provide the documents necessary for the analysis and processing of the case in good time;
• c) inform FINOVA of any relevant change to the information provided.

5.3. FINOVA’s analysis and recommendations are based on the information provided by the Client. FINOVA is not liable for consequences arising from incorrect, incomplete or outdated information provided by the Client.

5.4. Mandate. By engaging the services, the Client authorises FINOVA to present their case and to interact with the lending institutions on their behalf, within the scope of credit intermediation, while the Client retains full autonomy in deciding whether to accept or reject any proposal.

5.5. FINOVA is not responsible for the decisions of the lending institutions, for the terms they propose, or for the performance of the credit agreements concluded between the Client and the institution.

6.1. The processing of personal data carried out by FINOVA, in connection with access to the website and the provision of the services, is governed by Regulation (EU) 2016/679 (General Data Protection Regulation — GDPR) and by the applicable national legislation.

6.2. The conditions for processing personal data, namely the purposes, the lawful bases, the retention periods and the data subject’s rights, are described in the Privacy Policy, which forms an integral part of these Terms.

6.3. The use of certain tools and the engagement of the services may depend on specific consents, collected in a separate and informed manner. Consent for marketing communications, where given, is optional, independent of the provision of the services, and revocable at any time.

6.4. Information on cookies and similar technologies used on the website is set out in the Cookie Policy.

7.1. All website content, including text, editorial materials (guides and news), graphic elements, layout, code, and the FINOVA name and visual identity, is the property of FINOVA or of third parties who have authorised its use, and is protected by the applicable legislation on copyright and industrial property.

7.2. Reproduction, copying, distribution, transformation or any other form of use of the content, in whole or in part, is not permitted without FINOVA’s prior written authorisation, save in the cases permitted by law.

7.3. Consultation and personal use of the informative content made available is permitted, namely the printing of checklists and support materials, for non-commercial purposes.

8.1. The Client may submit complaints through the channels indicated on the Complaint Channels page, which include direct contact with FINOVA and the Livro de Reclamações (the official complaints book), in physical and electronic form, the latter at www.livroreclamacoes.pt.

8.2. The Client may also submit a complaint to Banco de Portugal, the authority that supervises credit intermediation, through www.bportugal.pt and the Bank Customer Portal (Portal do Cliente Bancário).

8.3. Alternative dispute resolution. Under Law no. 144/2015 of 8 September, the Client, as a consumer, may resort to the competent consumer alternative dispute resolution entities. The applicable entities are identified on the Complaint Channels page.

8.4. Jurisdiction. The courts of the district of Lisbon shall have jurisdiction over any disputes arising from these Terms, without prejudice to the mandatory consumer-protection rules that grant the Client the right to bring proceedings before the courts of their domicile.

9.1. FINOVA reserves the right to amend these Terms whenever necessary, namely due to legal or regulatory requirements or to changes in the services provided.

9.2. Amendments take effect on publication on the website, and the version in force on the date of each access or use applies. We recommend checking this page periodically.

9.3. Amendments with a material impact on the contractual relationship are communicated to Clients with an ongoing case or who are registered, through the contact details they have provided.

9.4. Applicable law. These Terms are governed by Portuguese law.

9.5. Last updated: 23 June 2026.

This English version is a courtesy translation. In the event of any discrepancy between the English and Portuguese versions, the Portuguese version prevails.