Legal Information
Legal Information
[article 31, of law 7/2019, of january 16]
1. Certo - Mediação de Seguros Lda, hereinafter referred to as Certo Seguros, with registered office at Rua 1º de Maio, N.º 81, Loja E, 1 7300-205 Portalegre registered at the Commercial Registry Office under the single registration and taxpayer number 517416328, telephone number: +351 239 438 098, contact email geral@certoseguros.pt and with the following web address: www.certoseguros.pt.
2. Certo Seguros is registered at ASF - Insurance and Pension Funds Supervisory Authority, since April 10, 2023, with the category of Insurance Intermediary Agent, under No. 423579384, with authorization to exercise the activity of insurance distribution in the Life and Non-Life classes, information that may be verified and confirmed at www.asf.com.pt.
3. Certo Seguros does not hold any qualifying holding in an insurance company.
4. There is no qualified shareholding in Certo Seguros held by an insurance company or by the parent company of an insurance company.
5. Certo Seguros is authorized to receive premiums to be delivered to the insurance company and, in general, is authorized to conclude insurance in the name and on behalf of insurance companies, but never proposes or assumes in its own name the coverage of risks, which is the exclusive competence of insurance companies under the terms of the applicable legislation.
6. Certo Seguros intervention does not end with the conclusion of the insurance contract, but involves the provision of assistance throughout the respective validity period.
7. Certo Seguros' remuneration for services rendered, unless expressly agreed otherwise, is in the form of a commission paid by the Insurance Companies, with information about it being supplied upon request.
8. Certo Seguros' remuneration for insurance distribution activities may consist of:
a. Direct payment by the client as a fee
b. Part of the insurance premium as commission
c. Other remuneration of any kind, including any economic advantage granted in connection with the insurance contract
d. Combination of any of the types of remuneration specified in the preceding subparagraphs
9. If you are required to pay a fee, the amount of the fee and/or the method of calculating the fee will be communicated to you in advance.
10. The customer is entitled to request information on the nature, form and amount of the remuneration to be received by Certo Seguros for the provision of the insurance distribution service, which will be provided upon request to the respective account manager.
11. If the customer is required to make payments under the insurance contract after its conclusion, other than regular premiums and scheduled payments, the nature and amount of each such payment shall be previously communicated to the customer.
12. Certo Seguros makes available the respective Personal Data Treatment Policy and General Terms and Conditions. www.certoseguros.pt.
13. Without prejudice to recourse to judicial and extra-judicial dispute resolution mechanisms (namely CIMPAS - Information, Mediation and Insurance Ombudsman Centre), policyholders or other interested parties are entitled to lodge complaints with the Insurance and Pension Funds Supervisory Authority (ASF), in the Complaints Book at certoseguros.pt or via e-mail geral@certoseguros.pt.
14. If several insurance intermediaries or an ancillary insurance intermediary and one or several insurance intermediaries are involved in the same insurance contract, all are jointly and severally liable to the insureds, policyholders and insurance companies for the distribution acts performed.
15. Certo Seguros never places the interests of any insurance company above those of its clients.
16. Certo Seguros provides advice based on an impartial analysis of a sufficiently large and diversified number of insurance contracts available in the market, allowing it to make a recommendation, according to professional criteria, regarding the most suitable insurance contract for the client's needs.
17. The customer assumes full responsibility for the solution chosen with regard to coverage, exclusions, deductibles and capital when different from those advised by the mediator.
18. Certo Seguros performs its activity independently from insurance companies, and has no contractual obligation to perform insurance distribution activities exclusively for one or more insurance companies.
19. Certo Seguros will previously inform the customer of the name of the insurance companies it works with, and that are relevant to the demands and needs presented by the customer, namely by making this information available at certoseguros.pt.
20. Certo Seguros does not assume, under the legal terms, the coverage of risks, which are exclusively guaranteed by the respective insurance companies.
21. It is the customer's responsibility to provide accurate and complete information, as well as the correct answer to the questions formulated in the insurance proposal, and its absence or inaccuracy may invalidate, totally or partially, the risk coverage or prevent Certo Seguros from advising the most adequate product.
22. Notwithstanding the fulfillment of the information obligations to be provided by Certo Seguros, the customer shall carefully read all the conditions of the insurance contract to be entered into.
Updated: 06/13/2023
Legal Information
Legal Information
[article 31, of law 7/2019, of january 16]
1. Certo - Mediação de Seguros Lda, hereinafter referred to as Certo Seguros, with registered office at Rua 1º de Maio, N.º 81, Loja E, 1 7300-205 Portalegre registered at the Commercial Registry Office under the single registration and taxpayer number 517416328, telephone number: +351 239 438 098, contact email geral@certoseguros.pt and with the following web address: www.certoseguros.pt.
2. Certo Seguros is registered at ASF - Insurance and Pension Funds Supervisory Authority, since April 10, 2023, with the category of Insurance Intermediary Agent, under No. 423579384, with authorization to exercise the activity of insurance distribution in the Life and Non-Life classes, information that may be verified and confirmed at www.asf.com.pt.
3. Certo Seguros does not hold any qualifying holding in an insurance company.
4. There is no qualified shareholding in Certo Seguros held by an insurance company or by the parent company of an insurance company.
5. Certo Seguros is authorized to receive premiums to be delivered to the insurance company and, in general, is authorized to conclude insurance in the name and on behalf of insurance companies, but never proposes or assumes in its own name the coverage of risks, which is the exclusive competence of insurance companies under the terms of the applicable legislation.
6. Certo Seguros intervention does not end with the conclusion of the insurance contract, but involves the provision of assistance throughout the respective validity period.
7. Certo Seguros' remuneration for services rendered, unless expressly agreed otherwise, is in the form of a commission paid by the Insurance Companies, with information about it being supplied upon request.
8. Certo Seguros' remuneration for insurance distribution activities may consist of:
a. Direct payment by the client as a fee
b. Part of the insurance premium as commission
c. Other remuneration of any kind, including any economic advantage granted in connection with the insurance contract
d. Combination of any of the types of remuneration specified in the preceding subparagraphs
9. If you are required to pay a fee, the amount of the fee and/or the method of calculating the fee will be communicated to you in advance.
10. The customer is entitled to request information on the nature, form and amount of the remuneration to be received by Certo Seguros for the provision of the insurance distribution service, which will be provided upon request to the respective account manager.
11. If the customer is required to make payments under the insurance contract after its conclusion, other than regular premiums and scheduled payments, the nature and amount of each such payment shall be previously communicated to the customer.
12. Certo Seguros makes available the respective Personal Data Treatment Policy and General Terms and Conditions. www.certoseguros.pt.
13. Without prejudice to recourse to judicial and extra-judicial dispute resolution mechanisms (namely CIMPAS - Information, Mediation and Insurance Ombudsman Centre), policyholders or other interested parties are entitled to lodge complaints with the Insurance and Pension Funds Supervisory Authority (ASF), in the Complaints Book at certoseguros.pt or via e-mail geral@certoseguros.pt.
14. If several insurance intermediaries or an ancillary insurance intermediary and one or several insurance intermediaries are involved in the same insurance contract, all are jointly and severally liable to the insureds, policyholders and insurance companies for the distribution acts performed.
15. Certo Seguros never places the interests of any insurance company above those of its clients.
16. Certo Seguros provides advice based on an impartial analysis of a sufficiently large and diversified number of insurance contracts available in the market, allowing it to make a recommendation, according to professional criteria, regarding the most suitable insurance contract for the client's needs.
17. The customer assumes full responsibility for the solution chosen with regard to coverage, exclusions, deductibles and capital when different from those advised by the mediator.
18. Certo Seguros performs its activity independently from insurance companies, and has no contractual obligation to perform insurance distribution activities exclusively for one or more insurance companies.
19. Certo Seguros will previously inform the customer of the name of the insurance companies it works with, and that are relevant to the demands and needs presented by the customer, namely by making this information available at certoseguros.pt.
20. Certo Seguros does not assume, under the legal terms, the coverage of risks, which are exclusively guaranteed by the respective insurance companies.
21. It is the customer's responsibility to provide accurate and complete information, as well as the correct answer to the questions formulated in the insurance proposal, and its absence or inaccuracy may invalidate, totally or partially, the risk coverage or prevent Certo Seguros from advising the most adequate product.
22. Notwithstanding the fulfillment of the information obligations to be provided by Certo Seguros, the customer shall carefully read all the conditions of the insurance contract to be entered into.
Updated: 06/13/2023
