Casa Finance – Terms & Conditions

1. Introduction

These Terms and Conditions govern your use of the Casa Finance website and services. By using this website or engaging our services, you agree to comply with these terms. If you do not agree, please refrain from using our services.

2. Company Information

  • Company Name: Casa Finance
  • Legal Entity & Registration Number: Finantástica – Intermediários de Crédito, LDA
  • Registered Address: Estrada de Vale Rabelho, Edifício dos Vales II, Loja H, 8200-428 Albufeira
  • Contact Information: info@casafinance.pt
  • Regulatory Authority & Licensing: Bank of Portugal number 0007993

3. Scope of Services

Casa Finance provides independent mortgage advisory services, including:

  • Mortgage consultation and financial guidance
  • Assistance with mortgage applications and lender communication
  • Comparison of mortgage options from different financial institutions
  • Support throughout the mortgage approval process

Casa Finance does not act as a lender and does not provide direct financing. The final decision on loan approval, terms, and conditions rests with the lending institution.

4. Use of the Website

By accessing and using this website, you agree that:

  • The content is for informational purposes only and does not constitute financial or legal advice.
  • Casa Finance does not guarantee mortgage approval or specific lending conditions.
  • Users must not misuse the website by introducing viruses, attempting unauthorized access, or engaging in fraudulent activities.

5. Liability & Disclaimer

  • Casa Finance strives to provide accurate and up-to-date information, but we do not guarantee the completeness or accuracy of all details.
  • We are not liable for decisions made based on our advice or for any financial losses incurred.
  • Any agreements with third-party lenders are subject to their own terms and conditions, which are independent of Casa Finance.

6. Fees & Commissions (If applicable)

If Casa Finance receives commissions from banks or financial institutions, this will be disclosed to the client in advance. Clients will not be charged for advisory services unless otherwise agreed upon in writing.

7. Complaints Procedure

If you are dissatisfied with our service, you may submit a complaint through the following channels:

  • Email: info@casafinance.pt
  • Phone: (+351) 289 374 146
  • In person: Visit our office in Estrada de Vale Rabelho, Edifício dos Vales II, Loja H, 8200-428 Albufeira
  • Livro de Reclamações (Complaints Book): Available at our office
  • Online Complaints Portal: www.livroreclamacoes.pt

8. Privacy Policy & Data Protection

  • Casa Finance follows GDPR and Portuguese data protection laws.
  • Personal data collected during consultations will be processed securely and used only for mortgage advisory purposes.
  • Clients have the right to access, correct, or request the deletion of their personal data.
  • More details can be found in our Privacy Policy [link to privacy policy].

9. Governing Law & Jurisdiction

These terms are governed by Portuguese law. Any disputes will be subject to the jurisdiction of the courts in [insert applicable location].

10. Changes to Terms and Conditions

Casa Finance reserves the right to update these terms at any time. Clients and website visitors are encouraged to review them regularly.