Privacy policy

Following your contact for the provision of a credit intermediation service with REALIZEPLUS -FINANCE & INVESTMENTS, LDA, corporate person vat. .516503693, with head office at Rua Antero de Figueiredo, nº5-4ºD, 2795-016 Linda a Velha., franchisee of MAXFINANCE - INTERMEDIÁRIOS DE CRÉDITO, LDA. with registered address at Beloura Office Park, Edifício 8, Floor 0, Linhó, 2710-444 Sintra, under which will have to be collected and processed personal data of which you are the holder, it is important to inform you of the following: 

1. IDENTIFICATION OF THE PERSON RESPONSIBLE FOR TREATMENT:

Name: REALIZEPLUS -FINANCE & INVESTMENTS, LDA/ Orlando Teixeira

Adress: Rua Antero de Figueiredo, nº5-4ºD, 2795-016 Linda a Velha.

Email: realizeplus@maxfinance.pt

Phone: +351 961616007

2. PERSONAL DATA COLLECTED

The personal data collected by the Controller from the data subject are as follows:

a) Identification data (full name, date of birth, identification document number, tax number);

b) Contact details (telephone and fax numbers and address);

c) Bank details (IBAN, BIC, account statements, debt statements);

d) Tax data (IRS declarations, IRS settlement note, etc.)

e) Salary data (pay slips, employment relationship, or other proof of salary);

f) Documentation related to the house to be purchased, such as energy certificates, title certificate, land registry certificate, which contains, among other information, the property address, patrimonial value, areas, and personal data of the owners.

In case of changes to the data collected, this Privacy Policy will be duly updated.

Where personal data of children are collected, the Controller shall take all necessary measures to ensure that the child has access to the information required by law in a clear and simple manner, and shall only process such data on the basis of his or her consent if he or she has reached the age of 13.

If the child has not yet reached the age of 13, his or her data may only be processed if consent is given by his or her legal representatives, preferably using secure authentication means.

3. PURPOSE OF PROCESSING THE DATA COLLECTED

The Customer's personal data is collected primarily for the provision of the credit intermediation service requested by the Customer from the Controller (grounds of lawfulness set out in Article 6º, nº 1, l. a) of the RGPD), which necessarily includes the transfer of this data to credit institutions, so that they can analyse the Customer's legal and financial situation and thus decide on the terms for granting bank credit.

In view of the above, by providing their personal data to the Responsible for Treatment, for the purposes of establishing a credit intermediation relationship, the Customer accepts that their data will be subject to such processing, and that failure to agree to it will imply the impossibility of providing the service intended by the Customer.

Furthermore, given that the party responsible for the Treatment is bound by a franchise contract to MaxFinance - Intermediários de Crédito, Lda., it is obliged to provide the latter with the Client's personal data, namely the data identified in the sub-paragraphs of paragraph 2. by entering the said data in an internal MAXFINANCE system. This processing, however, will only occur with the express consent of the Client.

The Client's personal data may also be processed for the purposes of dissemination of products, services and campaigns, within the scope of the activities developed by Maxfinance, provided that the Client's consent is obtained for this purpose.

Under no circumstances will the data collected be used for purposes other than those established by law or for which consent has been given by the data subject. Thus, should the Client intend to process personal data provided by the Client for another purpose, the Controller shall always request the consent of the Client in advance.

4. RECIPIENTS OF PERSONAL DATA

For the purposes of executing the credit intermediation contract concluded between the parties, the Responsible for Treatment will transfer the Customer's personal data to the Financial and Credit Institutions, a list of which can be consulted on the website https://www.bportugal.pt/

You may also obtain information about the entities to whom the Data Controller transmits your data (all based in the EU) by sending an email to the email address provided in point 1.

If the Customer provides consent, the Controller will also transfer the Customer's personal data to MaxFinance - Intermediários de Crédito, Lda., as described in point 3.

If the Customer consents, the financial and credit institutions with which the credit intermediary has established commercial partnerships may consult the information on the Customer contained in the Central Credit Register and in the List of Cheque Defaulters, both of which are available at the Bank of Portugal, in accordance with the applicable legislation and regulations.

5. TERM OF CONSERVATION OF PERSONAL DATA

The period for which data is stored and retained varies according to the purpose for which the information is processed and in accordance with any applicable legal obligations and requirements which require the data to be retained for a minimum period of time.

Thus, and whenever there is no specific legal obligation, the data will be stored and kept only for the minimum period necessary for the purposes that motivated their collection or their subsequent processing, after which they will be deleted.

Specifically:

a) The personal data collected for the purposes of the credit intermediation contract will be kept for a period of 12 (twelve) months after the end of the contractual relationship established with the Customer, without prejudice to their being kept beyond this period in the event of legal action being taken, in which case they shall be deleted after 3 (three) months from the date of the final decision rendered in the context of such action.

b) The personal data that is collected for the purpose of insertion into MaxFinance's internal system will be kept for the period of 10 years, or until the consent on the basis of which they are processed is withdrawn.

c) Personal data that is collected for the purpose of disclosure will be kept and processed until the consent on the basis of which it is processed is withdrawn.

6. DATA SUBJECT RIGHTS

The right to request from the controller access, rectification, erasure or restriction of processing of personal data concerning them, as well as the right to object to processing and the right to data portability, shall be guaranteed to the data subjects of the personal data collected.

Where express consent to the collection and processing has been given, data subjects are entitled to withdraw their consent at any time by sending an e-mail to the above e-mail address. In such a case, the data subject is hereby informed that revocation of consent shall be effective for the future only.

In the event that you wish to exercise these rights or for any further questions concerning data protection and data processing, please contact the Controller in writing at the contact details above.

Where the controller has reasonable doubts as to the identity of the natural person making the request, the controller may request that additional information necessary to confirm the identity of the data subject be provided.

Additionally, and if at any time you consider that your rights have not been duly safeguarded, you may lodge a complaint with the National Commission for Data Protection, whose contact details can be found on the website https://www.cnpd.pt/.