Credit Intermediation

Information regarding Credit Intermediation Activity
(Legal regime of credit intermediaries, article 53 of Decree-Law no. 81-C/2017, of July 7)

Identification of the credit intermediary
Bernardino Caetano & Costa, Lda
Registered Office: Rua Zona Industrial de Mundão 17, 3505-459 Viseu
Tax ID 500 044 856 

Credit Intermediary Registration

Registered with number 0006752 at the Bank of Portugal.
Information that can be consulted in the list of entities authorized to act as credit intermediaries, available at  https://www.bportugal.pt/intermediarios-credito/

Contact Information
Email: cliente@bernardinos.pt
Telephone: 232 424 626 (Weekdays from 9am to 9pm) 6 PM)
Address:
Bernardino Caetano & Costa, Lda
Rua Zona Industrial de Mundão 17,
3505-459 Viseu

Credit Intermediary Category
Ancillary Credit Intermediary

Authorized Credit Intermediation Services
- Presentation or proposal of credit agreements to consumers;
- Assistance to consumers, through the performance of preparatory acts or other pre-contractual management work relating to credit agreements that have not been presented or proposed by them;
- Conclusion of credit agreements with consumers on behalf of lenders.

Lender Identification
ABANCA SERVICIOS FINANCEIROS, E.F.C., S.A. - BRANCH IN PORTUGAL
Address: PC Bom Sucesso 127/131 3rd Floor, Room 303, 4150-146 Porto

Activity prohibited to Credit Intermediary
Bernardino Caetano & Costa, Lda. cannot receive or deliver any amounts related to the formation, execution and early fulfillment of credit contracts, under the terms of article 46 of the legal regime of credit intermediaries.

Supervisory entity
Bernardino Caetano & Costa, Lda. is subject to the supervision of the Bank of Portugal in the exercise of its credit intermediation activity.

Complaints and Alternative Dispute Resolution Procedures
Complaints related to the exercise of credit intermediation activity can be submitted in the following ways:
- To the Credit Intermediary via cliente@bernardinos.pt or by mail, to Bernardino Caetano & Costa, Lda, Rua Zona Industrial de Mundão 17, 3505-459 Viseu;
- In the complaints book available at the establishment and at www.bernardinos.pt;
- With the Bank of Portugal via the Banking Customer Portal https://clientebancario.bportugal.pt/ or by mail, to Banco de Portugal, Apartado 2240, 1106-001 Lisboa;
- In case of dispute, the consumer may resort to one of the following Alternative Dispute Resolution entities for Consumer Disputes:

CNIACC - National Center for Information and Arbitration of Consumer Disputes

Rua D. Afonso Henriques, 1
4700-030 Braga
https://www.cniacc.pt/pt/

Consumer Information, Mediation and Arbitration Centre (Consumer Arbitration Court) Braga: Rua D Afonso Henriques, nº 1
4700 - 030 Braga
Viana do Castelo: Av Rocha Paris, nº 103
4900 - 394 Viana do Castelo

https://www.ciab.pt/pt/

For more information, visit the Consumer Portal - www.consumidor.pt Online Dispute Resolution The European Commission created the ODR platform for alternative dispute resolution between consumers and traders, relating to online sales or service contracts, i.e., those in which the trader, or its intermediary, offers, on a website or through other electronic means, goods or services that the consumer orders on the same website or through other electronic means.

More information: https://webgate.ec.europa.eu/odr/main/index.cfm?event=main.home.show&lng=PT