{"id":2519,"date":"2025-08-05T14:11:45","date_gmt":"2025-08-05T14:11:45","guid":{"rendered":"https:\/\/cifra7.pt\/staging\/?page_id=2519"},"modified":"2026-02-24T16:07:52","modified_gmt":"2026-02-24T16:07:52","slug":"informacao-legal","status":"publish","type":"page","link":"https:\/\/cifra7.pt\/staging\/informacao-legal\/","title":{"rendered":"Informa\u00e7\u00e3o Legal"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"2519\" class=\"elementor elementor-2519\" data-elementor-post-type=\"page\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-cdeddb8 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"cdeddb8\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-be62861\" data-id=\"be62861\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-561b206 elementor-widget elementor-widget-heading\" data-id=\"561b206\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Informa\u00e7\u00e3o Legal<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e4f829 elementor-widget elementor-widget-text-editor\" data-id=\"3e4f829\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Intermedi\u00e1rio de Cr\u00e9dito<\/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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-803f9f2 elementor-section-full_width elementor-section-stretched elementor-section-height-default elementor-section-height-default\" data-id=\"803f9f2\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;stretch_section&quot;:&quot;section-stretched&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-no\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-92dcbc4\" data-id=\"92dcbc4\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ec087df elementor-widget elementor-widget-template\" data-id=\"ec087df\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"section\" data-elementor-id=\"232\" class=\"elementor elementor-232\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-b872927 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"b872927\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-11e52c9\" data-id=\"11e52c9\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b8f1d8e elementor-widget elementor-widget-breadcrumbs\" data-id=\"b8f1d8e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"breadcrumbs.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p id=\"breadcrumbs\"><span><span><a href=\"https:\/\/cifra7.pt\/staging\/\">Home<\/a><\/span><\/span><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-66363d4 elementor-section-height-min-height elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"66363d4\" data-element_type=\"section\" data-e-type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-171675a\" data-id=\"171675a\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9dce955 elementor-widget elementor-widget-heading\" data-id=\"9dce955\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">A Cifra Proporcional Unipessoal Lda \u00e9 uma sociedade por quotas, com o NIPC 516428985, registada em Portugal, com sede na Praceta do Com\u00e9rcio n.\u00ba 7 \u2013 4.\u00ba Dto, 2610-042 Alfragide.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-50bfeb4 elementor-widget elementor-widget-text-editor\" data-id=\"50bfeb4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Encontra-se registada junto do <strong>Banco de Portugal<\/strong> como intermedi\u00e1rio de cr\u00e9dito, com o n\u00famero de registo <strong>0006392<\/strong>. A informa\u00e7\u00e3o detalhada pode ser consultada no Portal do Cliente Banc\u00e1rio, atrav\u00e9s do seguinte link:<br \/><img decoding=\"async\" class=\"emoji\" role=\"img\" draggable=\"false\" src=\"https:\/\/s.w.org\/images\/core\/emoji\/16.0.1\/svg\/1f449.svg\" alt=\"\ud83d\udc49\" \/> <a href=\"https:\/\/www.bportugal.pt\/intermediariocreditofar\/cifra-proporcional-unipessoal-lda\">Consultar registo no Banco de Portugal<\/a><\/p><p>A <strong>Cifra Proporcional Unipessoal Lda<\/strong> exerce a atividade de intermedia\u00e7\u00e3o de cr\u00e9dito em regime de <strong>n\u00e3o exclusividade<\/strong>. N\u00e3o concede cr\u00e9dito, atuando unicamente como intermedi\u00e1rio junto de institui\u00e7\u00f5es financeiras com as quais mant\u00e9m contrato de vincula\u00e7\u00e3o.<\/p><p>A sua atividade est\u00e1 sujeita \u00e0 supervis\u00e3o do <strong>Banco de Portugal<\/strong>.<\/p><p><strong>Servi\u00e7os Autorizados<\/strong><\/p><p>O registo junto do Banco de Portugal autoriza a Cifra Proporcional Unipessoal Lda a prestar os seguintes servi\u00e7os de intermedia\u00e7\u00e3o de cr\u00e9dito:<\/p><ul><li>Apresenta\u00e7\u00e3o ou proposta de contratos de cr\u00e9dito a consumidores;<\/li><li>Assist\u00eancia aos consumidores em atos preparat\u00f3rios ou outros trabalhos de gest\u00e3o pr\u00e9-contratual, mesmo quando os contratos n\u00e3o tenham sido apresentados ou propostos diretamente pela empresa.<\/li><\/ul><p><strong>Servi\u00e7os de Consultoria<\/strong><\/p><p>Sim<\/p><p><strong>Proibi\u00e7\u00e3o de Recebimento de Valores<\/strong><\/p><p>Nos termos do artigo 46.\u00ba do Regime Jur\u00eddico dos Intermedi\u00e1rios de Cr\u00e9dito (Decreto-Lei n.\u00ba 81-C\/2017, de 7 de julho), \u00e9 proibido ao intermedi\u00e1rio de cr\u00e9dito receber ou entregar quaisquer valores relacionados com a forma\u00e7\u00e3o, execu\u00e7\u00e3o ou cumprimento antecipado dos contratos de cr\u00e9dito.<\/p><p><strong>Custo para o Cliente<\/strong><\/p><p>Os servi\u00e7os de intermedia\u00e7\u00e3o de cr\u00e9dito prestados pela Cifra Proporcional Unipessoal Lda s\u00e3o totalmente isentos de encargos para os seus clientes. A empresa \u00e9 remunerada pelas institui\u00e7\u00f5es financeiras com quem mant\u00e9m contrato de vincula\u00e7\u00e3o, sendo o valor da remunera\u00e7\u00e3o indicado na ficha de informa\u00e7\u00e3o normalizada associada a cada proposta de cr\u00e9dito.<\/p><p><strong>Seguro de Responsabilidade Civil<\/strong><\/p><p>A responsabilidade civil perante terceiros encontra-se garantida pela <strong>Hiscox S.A. \u2013 Sucursal em Portugal<\/strong>, atrav\u00e9s dos seguintes contratos de seguro:<\/p><ul><li>Ap\u00f3lice n.\u00ba <strong>2524530<\/strong> \u2013 v\u00e1lida at\u00e9 30\/06\/2026 (Intermedia\u00e7\u00e3o de Cr\u00e9dito Habita\u00e7\u00e3o);<\/li><li>Ap\u00f3lice n.\u00ba <strong>2524529<\/strong> \u2013 v\u00e1lida at\u00e9 30\/06\/2026 (Intermedia\u00e7\u00e3o de Cr\u00e9dito, exceto Imobili\u00e1rio).<\/li><\/ul><p><strong>Institui\u00e7\u00f5es Financeiras com Contrato de Vincula\u00e7\u00e3o<\/strong><\/p><p>A Cifra Proporcional Unipessoal Lda mant\u00e9m contratos de vincula\u00e7\u00e3o com as seguintes institui\u00e7\u00f5es financeiras:<\/p><ul><li>Banco Santander Totta, S.A.<\/li><li>Caixa Geral de Dep\u00f3sitos, S.A.<\/li><li>Banco BPI, S.A.<\/li><li>Bankinter, S.A. \u2013 Sucursal em Portugal<\/li><li>Banco CTT, S.A.<\/li><li>Novo Banco, S.A.<\/li><li>Uni\u00f3n de Cr\u00e9ditos Inmobili\u00e1rios, S.A. \u2013 Establecimiento Financiero de Cr\u00e9dito, Sucursal em Portugal<\/li><li>Unibanco, S.A.<\/li><li>BNI \u2013 Banco de Neg\u00f3cios Internacional (Europa), S.A.<\/li><li>Abanca Portugal, S.A.<\/li><li>BBVA, Institui\u00e7\u00e3o Financeira de Cr\u00e9dito, S.A.<\/li><\/ul>\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<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Intermedi\u00e1rio de Cr\u00e9dito A Cifra Proporcional Unipessoal Lda \u00e9 uma sociedade por quotas, com o NIPC 516428985, registada em Portugal, com sede na Praceta do Com\u00e9rcio n.\u00ba 7 \u2013 4.\u00ba Dto, 2610-042 Alfragide. Encontra-se registada junto do Banco de Portugal como intermedi\u00e1rio de cr\u00e9dito, com o n\u00famero de registo 0006392. A informa\u00e7\u00e3o detalhada pode ser [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-2519","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Informa\u00e7\u00e3o Legal - Cifra7<\/title>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"pt_PT\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Informa\u00e7\u00e3o Legal - Cifra7\" \/>\n<meta property=\"og:description\" content=\"Intermedi\u00e1rio de Cr\u00e9dito A Cifra Proporcional Unipessoal Lda \u00e9 uma sociedade por quotas, com o NIPC 516428985, registada em Portugal, com sede na Praceta do Com\u00e9rcio n.\u00ba 7 \u2013 4.\u00ba Dto, 2610-042 Alfragide. 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