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Terms and Conditions

Terms and conditions of use of the website

Welcome to www.organizado.pt. Access to and use of this website are governed by these Terms and Conditions. By accessing, browsing or using the services available on this website, the User expressly accepts these Terms and Conditions. If you do not agree with them, you must immediately cease using this website.

 

1. Identification and Ownership

  1. The Organizado brand operates and provides its services through two distinct legal entities, with a strict separation of responsibilities. This website is jointly owned and operated by:

    Competência Segurada – Gestão de Serviços, Lda., with its registered office at Rua do Vigário Geral, 1C and 1D, 9500-443 Fajã de Baixo, Ponta Delgada, Portugal, Tax Identification Number (NIF) 514558075, is an Insurance Agent registered with the Portuguese Insurance and Pension Funds Supervisory Authority (ASF) under registration number 417456724 since 05/12/2017. It is also a Credit Intermediary registered with the Bank of Portugal under registration number 0006353.

    Organizado, Lda., with its registered office at Avenida dos Inventores, 1, 2.º Esquerdo, 9560-421 Rosário, Lagoa, Portugal, Tax Identification Number (NIF) 518835723.

    Each of these entities is responsible for its respective area of activity and shall be liable solely for the services it provides.

    2. Purpose and Scope of the Services

The primary purpose of the website www.organizado.pt is to provide information, promote and showcase the services offered by the entities identified above. The separation of responsibilities is strict:

  • Competência Segurada, Lda. exclusively provides the regulated services of Insurance Mediation (acting strictly as an Insurance Agent and not as an Insurance Company) and Credit Intermediation.
  • Organizado, Lda. is responsible for all other services presented on the website, including, but not limited to, legal services, business consultancy, marketing and administrative process management.

All mandatory pre-contractual information shall be provided in person or through direct contact, in accordance with the applicable legislation governing insurance mediation and credit intermediation.

3. Informational Nature of the Website (No Online Contracting or Automatic Simulations)

Automatic Simulations)

The information available on this website is provided solely for informational purposes, as well as for the presentation of the brand and its services. It is hereby expressly clarified that:

  • No Online Simulations: This website does not provide online tools, calculators or automatic simulation engines for insurance or credit products, nor does it allow the direct online purchase, subscription or contracting of financial products.
  • Role as an Intermediary/Agent: Competência Segurada acts solely as an Insurance Agent and Credit Intermediary. We are not an Insurance Company (and therefore do not underwrite insurance risks) nor a Bank or Credit Institution (and therefore do not grant credit using our own funds).
  • Approval of Requests: Any request for information submitted through the website’s contact forms shall not constitute a binding contractual proposal. The final approval of any credit application or the acceptance of any insurance proposal following its assessment shall remain the sole responsibility of the respective lending institutions (Banks) or partner Insurance Companies.

The information made available on this website may not reflect subsequent legislative or commercial changes and shall not be construed as legal, financial or contractual advice.

4. User Obligations and Conduct

By using this website, the User undertakes to:

  • Use the website and its contents in an appropriate, lawful and responsible manner.
  • Provide truthful, accurate and up-to-date information in any contact or communication forms.
  • Not introduce viruses, malicious software or any other programs that may damage the computer systems of Organizado or third parties.
  • Not use the information available on the website for commercial purposes without prior written authorisation.

Organizado reserves the right to suspend or block access to the website in the event of improper or unlawful use.

5. Intellectual and Industrial Property

All content available on this website, including, but not limited to, texts, graphics, logos, icons, images, source code and structural design, is the exclusive property of Organizado or its licensors and is protected by national and international copyright and industrial property legislation.

The reproduction, modification, distribution, public communication or any other form of use of any element of this website for commercial purposes is strictly prohibited without the prior express written authorisation of Organizado.

6. Personal Data Protection and Cookies

Organizado takes the privacy of its users very seriously.

The collection and processing of personal data submitted through contact requests or while browsing the website, as well as the use of cookies, are governed by our Privacy Policy and Cookie Policy, which we recommend that you read carefully in the dedicated section of this website.

7. Disclaimer of Liability and Third-Party Links

Organizado makes every reasonable effort to ensure that the information available on this website is accurate and up to date. However:

  • We shall not be held liable for any technical failures, interruptions or temporary unavailability of the website resulting from force majeure or server maintenance.
  • This website may contain hyperlinks to third-party websites (such as banks, insurance companies or regulatory authorities). Organizado has no control over such websites and accepts no responsibility for their content, terms of use or privacy policies.

8. Complaints and Alternative Dispute Resolution (ADR)

In accordance with Law No. 144/2015 of 8 September, Users are hereby informed that, in the event of a dispute arising from the provision of services, consumers may refer the matter to an Alternative Consumer Dispute Resolution (ADR) Entity.

The competent ADR entities may be consulted through the Portuguese Consumer Portal (www.consumidor.gov.pt). The territorially competent ADR entity is the Azores Arbitration Centre (Centro de Arbitragem dos Açores).

In addition, our companies provide access to the Electronic Complaints Book, available through the official platform:

https://www.livroreclamacoes.pt

9. Amendments to the Terms and Conditions

  1. a) Organizado reserves the right, at any time and without prior notice, to amend, supplement or revoke, in whole or in part, these Terms and Conditions.

    Any amendments shall become effective from the date of their publication on this website. Users are therefore advised to consult these Terms and Conditions periodically.

    b) Organizado shall inform Users through the website whenever significant changes are made to these Terms and Conditions.

10. Governing Law and Jurisdiction

These Terms and Conditions shall be governed by and construed in accordance with the laws of Portugal.

For the resolution of any dispute arising from the interpretation or performance of these Terms and Conditions which cannot be settled amicably with consumers, the competent court shall be the court of the consumer’s place of residence.

In all other cases, jurisdiction shall lie with the Judicial Court of the Azores District (Tribunal Judicial da Comarca dos Açores).

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