Privacy / GDPR
Privacy Policy and Data Processing
Note: this text is prepared for operational use on a credit intermediation landing page, but it should be legally reviewed before final publication.
1. Data controller
The controller of the personal data collected through this page is Paulo Alexandre Machado Palma Anastácio, NIF 164040340, tied credit intermediary registered with the Bank of Portugal under number 0006167, within the activity developed under the Maxfinance Eleven brand.
2. Purpose of data collection
The personal data collected through the form is used to contact the data subject, perform a preliminary analysis of the credit request, frame the requested transaction, prepare pre-contractual support and, where applicable, forward the process to partner financial institutions.
3. Personal data collected
The following data may be collected: full name, Portuguese tax number/NIF, identification document number and type, document expiry date, email, telephone contact, date of birth, type of credit requested, amount requested, employment status, approximate monthly net income, existence of a promissory purchase agreement, existence of a selected property, preferred contact time and free message submitted by the user.
At a later stage, and only when necessary for the analysis of the process, additional documents may be requested, such as income proof, bank statements, credit responsibility report, tax documentation, property documents or other elements required by financial institutions.
4. Lawful basis
Data processing is carried out based on the consent provided by the data subject, pre-contractual steps requested by the data subject, compliance with legal obligations applicable to credit intermediation activity and, where applicable, the legitimate interest of managing and following up the submitted request.
5. Data sharing with third parties
Data may be shared, when necessary and appropriate to the request, with Maxfinance - Intermediários de Crédito Lda., lending financial institutions, insurance entities, valuation entities, administrative, legal or technology service providers and other entities whose intervention is necessary for the analysis, instruction, follow-up or formalisation of the process.
Data sharing will be limited to what is necessary for the relevant purpose and carried out under applicable law.
6. Data retention
Data will be retained only for the period necessary for contact, preliminary analysis, request follow-up, compliance with legal obligations and defence of rights or legitimate interests. When data is no longer necessary, it will be deleted or anonymised unless a legal obligation requires longer retention.
7. Marketing communications
Future communications about credit solutions, insurance or financial services will only be sent when the data subject has provided specific consent. This consent may be withdrawn at any time.
8. Rights of the data subject
Under applicable law, the data subject may request access, rectification, deletion, restriction of processing, objection to processing, data portability and withdrawal of consent when processing is based on consent.
To exercise these rights, contact: paulo.anastacio@maxfinance.pt.
9. Data security
Appropriate technical and organisational measures are adopted to protect personal data against unauthorised access, loss, misuse, alteration or undue disclosure. The page should be published with an active SSL certificate, using HTTPS.
10. Complaints
The data subject may lodge a complaint with the Portuguese Data Protection Authority, without prejudice to the complaint mechanisms applicable to credit intermediation activity, including the Complaints Book and the Bank of Portugal.
11. Cookies and external tools
This landing page version does not include tracking, analytics or advertising tools. If tools such as Google Analytics, Meta Pixel, WhatsApp widgets, chatbots or other external services are added, this policy must be updated and, where applicable, a cookie consent mechanism must be implemented.
12. Legal activity information
Paulo Alexandre Machado Palma Anastácio, com o NIF 164040340 Intermediário de Crédito Vinculado, Rg. Banco de Portugal com o nº0006167 (https://www.bportugal.pt/intermediariocreditofar/paulo-alexandre-machado-palma-anastacio), autorizado a prestar serviços de consultoria e intermediação de crédito, tais como: Apresentação ou proposta de contratos de crédito a consumidores. Serviços de Consultoria. Assistência a consumidores, mediante a realização de atos preparatórios ou de outros trabalhos de gestão pré-contratual relativamente a contratos de crédito que não tenham sido por si apresentados ou propostos. Celebração de contratos de crédito com consumidores em nome dos mutuantes: BANCO CTT, S.A., COFIDIS, BANCO SANTANDER TOTTA, S.A., CAIXA GERAL DE DEPÓSITOS, S.A., BANKINTER, S.A. - SUCURSAL EM PORTUGAL, BANCO BPI S.A., UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CRÉDITO (SOCIEDAD UNIPERSONAL) - SUCURSAL EM PORTUGAL, NOVO BANCO, S.A., ABANCA CORPORACIÓN BANCARIA, S.A., SUCURSAL EM PORTUGAL, SICAM - CAIXA CENTRAL E CAIXAS DE CRÉDITO AGRÍCOLA MÚTUO, BBVA, INSTITUIÇÃO FINANCEIRA DE CRÉDITO S.A. A Maxfinance Eleven é uma marca detida pela Maxfinance - Intermediários de Crédito Lda. Apólice 206423411 - ALLIANZ PORTUGAL - Crédito Imóveis Habitação; Apólice 206423441 - ALLIANZ PORTUGAL - Crédito (exceto imobiliário). Resolução de conflitos CIMAAL - Centro de Arbitragem de Conflitos de Consumo do Algarve ou CACCL - Centro de Arbitragem de Conflitos de Consumo de Lisboa. Reclamações: www.livroreclamacoes.pt; Diretamente ao Banco de Portugal.