Terms and Conditions of Use
Last updated: August 2026
1. Object and General Scope
These Terms and Conditions govern the access and use of the website operated by Robusto e Relevante - Consultoria, Lda (hereinafter referred to as the "Company"), Tax ID (NIF) 514978430, located at Rua da Rasa 1026 Loja, 4405-226 Vila do Paraíso, Vila Nova de Gaia. By browsing this website or submitting forms, the user fully accepts these terms.
2. Nature of Informational Services
The content provided on this website is for informational and promotional purposes only, covering our three specialized business branches:
Consulting and Accounting: Information on the site does not substitute personalized, professional professional advice.
Credit Intermediation: Registered with the Banco de Portugal under no. 3305. Information, generic rates, or simulator results do not constitute a binding contractual offer and do not guarantee credit approval. Credit files are processed in collaboration with our operational partner MyCredit Intermediário de Crédito.
Insurance Brokerage: Covered by civil liability policy no. 206797145 issued by Allianz (valid until 01/03/2027). Insurance quote requests are subject to final underwriting and approval by the insurance provider.
3. Limitation of Liability
While the Company takes utmost care to ensure website information is correct, we accept no responsibility for:
Errors, omissions, or outdated data caused by abrupt market changes or legislative updates.
Financial, personal, or contractual decisions made by the user based solely on the generic content of this site.
Temporary downtime, technical disruptions, or browser incompatibilities affecting site accessibility.
4. Intellectual Property
All assets hosted on this website (texts, logos, branding, layout design, and images) are the exclusive property of the Company or its authorized partners and are protected by international intellectual property laws. Any unauthorized commercial reuse, copying, or duplication is strictly prohibited.
5. Alternative Dispute Resolution (ADR)
In accordance with Portuguese consumer law, in the event of a dispute, consumers may contact recognized Alternative Dispute Resolution entities:
For general service or consulting inquiries: CICAP (Oporto Consumer Arbitration Court).
For credit intermediation matters: Arbitration centers approved by the Banco de Portugal.
Consumers can also file a formal digital complaint via the official Portuguese Electronic Complaints Book (www.livroreclamacoes.pt).
6. Governing Law and Jurisdiction
These Terms and Conditions are governed by Portuguese Law. Any unresolved judicial conflict arising from the usage of this platform shall be settled exclusively before the competent courts of the Judicial District of Oporto (Foro da Comarca do Porto).