Legal Notice
Continuing to browse this site implies unreserved acceptance of the following terms and conditions of use.
The current online version of these terms of use is the only one that can be used for the entire period of use of the site and until a new version replaces it.
Article 1 – Legal information
1.1 A claim constitutes an obligation for you and must be paid. Check your payment options before committing yourself.
A private individual cannot be required to make any kind of payment before obtaining one or more cash credits.
For any housing loan, the borrower has a cooling-off period of 10 days. The purchase is conditional on obtaining credit and, if it is not approved, the seller must reimburse the amounts paid.
It is currently linked to the icapital.pt website, edited by Opiniões e Debates, Lda. Website (hereinafter “the site”): icapital.pt
1.2 Editor: Opiniões e Debates, Lda,
Rua Engenheiro Francisco Rogério Nazaré, Lote 29, 2º Dto., 2645 045 Alcabideche.
Telephone number: +351 964 312 205 (national mobile network)
E-mail address: geral@icapital.pt
1.3 Complaints: For any complaint about our activity as an intermediary in banking operations and payment services or our insurance mediation activity, you can send a letter to: Opiniões e Debates, Lda, Rua Engenheiro Francisco Rogério Nazaré, Lote 29, 2º Dto., 2645 045 Alcabideche.
1.4 Partners:
Opiniões e Debates, Lda. has a network of partners to provide you with the service you need and finance your real estate project under the best conditions.
Article 2 – Access to the site
2.1 Access to the site is reserved for persons of legal age. The editor reserves the right to ask for proof of age. Access to and use of the site is strictly for personal use only. You agree not to use this site and the information or data contained therein for commercial, political, advertising purposes or any form of commercial solicitation and, in particular, the sending of unsolicited e-mail messages.
Article 3 – Site content
3.1 All trademarks, photographs, texts, comments, illustrations, animated or non-animated images, video sequences, sounds, as well as all computer applications that may be used to make this site work and, more generally, all elements reproduced or used on the site are protected by applicable intellectual property laws.
They are the exclusive property of the publisher or its partners. Any reproduction, representation, use or adaptation, in any form whatsoever, of all or part of these elements, including computer applications, without the prior written consent of the publisher, is strictly prohibited. The fact that the publisher does not initiate proceedings when it becomes aware of such unauthorized uses does not constitute acceptance of such uses and the waiver of criminal prosecution.
Article 4 – Site management
4.1 In order to manage the site properly, the editor may, at any time:
Suspend, interrupt or limit access to all or part of the site, reserve access to the site or parts of the site to a specific category of users;
Eliminar qualquer informação que possa interferir com o seu funcionamento ou que infrinja a legislação nacional ou internacional ou as regras de etiqueta em linha;
Suspend the site for updates.
Article 5 – Responsibilities
5.1 The publisher’s liability may not be compromised in the event of a failure, breakdown, difficulty or interruption in operation, preventing access to the site or one of its functionalities.
5.2 You are solely responsible for the material you use to connect to the site. You must take all appropriate measures to protect your material and your own data, including viral attacks via the Internet. You are also solely responsible for the sites and data you consult. The publisher cannot be held liable in the event of legal proceedings against you:
Due to the use of the site or any service accessible via the Internet;
Due to your failure to comply with these general terms and conditions.
5.3 The publisher is not liable for any damage caused to you, third parties and/or your equipment as a result of your connection to or use of the site and will not take any action against you.
If the publisher is subject to amicable or judicial proceedings as a result of his use of the site, he may have recourse to you to obtain compensation for all damages, all sums, convictions and costs that may arise from such proceedings.
Article 6 – Hypertext links
6.1 The implementation of any hypertext links on all or part of the site is strictly prohibited, except with the prior written authorization of the editor, requested by email to the following address: geral@icapital.pt.
6.2 The editor may refuse this authorization without having to justify his decision. If the editor grants permission, it is only temporary and can be withdrawn at any time, without the editor having to justify it.
In any case, all links must be removed at the editor’s request. Any information accessible via a link to other sites is not under the control of the publisher, who declines all responsibility for its content.
Article 7 – Data collection
7.1 The personal information that may be collected on the site is used primarily by the publisher to manage relations with you and, if necessary, to process your requests. They are recorded in the publisher’s client file and the resulting file of personal data is declared.
7.2 In accordance with the provisions of the law relating to computers, files and freedoms, you have the right to access, consult, modify and delete information concerning you. You can exercise your right at any time by contacting the editor directly on the website, in the “Contact Us” section, or by post to the following address:Opiniões e Debates, Lda, Rua Engenheiro Francisco Rogério Nazaré, Lote 29, 2º Dto., 2645 045 Alcabideche.
7.3 For security reasons and to avoid any fraudulent application, this application must be accompanied by proof of identity. Once the order has been processed, the receipt will be destroyed.
7.4 Only the information necessary to process orders under the best conditions is requested. All the data you provide about yourself, your real estate project or your assets is protected. Only he can consult one of your files in progress. No personal data collected on this site will be communicated to third parties who are not our partners, without the consent of the Internet user.
In the event of a proven breach of legal or regulatory provisions, this information may be communicated at the express and reasoned request of the judicial authorities. When certain information is required to access specific features of the site, the editor will indicate this when entering the data.
Article 8 – Safety and security
8.1 We use secure means of access, as well as protected storage media, so that the information you communicate to us is not accessible to malicious third parties or altered.
Article 9 – Cookies
9.1 For security reasons (e.g. determining the origin of spam), we may collect data through the use of “cookies”. A “cookie” is a block of data sent to your browser by a web server and stored on your computer’s hard disk.
These cookies do not contain any information of a private nature or that could make it possible to identify you. You can oppose the sending of cookies.
All information collected indirectly will only be used to monitor the volume, type and configuration of traffic using this site, to develop the design and layout, in addition to other administrative and planning purposes and, in general, to improve the service we offer you.
Article 10 – Contact us
10.1 For any questions, information about the products presented on the site, or about the site itself, you can leave a message at the following address: Opiniões e Debates, Lda, Rua Engenheiro Francisco Rogério Nazaré, Lote 29, 2º Dto., 2645 045 Alcabideche.