Legal
Information Duties
DL 81-C/2017 of 7 July — Mandatory information from the credit intermediary.
In accordance with the provisions of paragraphs 1 and 3 of Article 53 of Decree-Law no. 81-C/2017 of 7 July, we provide the following information:
Zephyr Mortgages is a registered trademark of Sampaio & Constantino, Lda and operates exclusively under its responsibility.
Sampaio & Constantino, Lda, with tax number (NIPC) 518 279 820 and registered office at Rua dos Anjos 62, cave, 1150-039 Lisbon, is duly registered with the Banco de Portugal under registration no. 0007874.
Banco de Portugal Registration
Sampaio & Constantino, Lda is duly registered with the Banco de Portugal under no. 0007874, available at the following link: bportugal.pt/intermediariocreditofar/sampaio-constantino-lda
Credit Intermediary Category
Tied Credit Intermediary.
Lenders with binding agreements
- BANKINTER, S.A. - SUCURSAL EM PORTUGAL
- CAIXA GERAL DE DEPÓSITOS, S.A.
- BANCO CTT, S.A.
- UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CRÉDITO (SOCIEDAD UNIPERSONAL) - SUCURSAL EM PORTUGAL
- BANCO BPI, S.A.
- NOVO BANCO, S.A.
- BANCO SANTANDER TOTTA, S.A.
- SICAM - CAIXA CENTRAL E CAIXAS DE CRÉDITO AGRÍCOLA MÚTUO
Exclusivity Regime
Credit intermediation activity carried out on a non-exclusive basis.
Credit Intermediation Services
Sampaio & Constantino, Lda is authorised by the lending credit institutions mentioned above to present and propose credit agreements to consumers, as well as to provide assistance to consumers by performing preparatory acts or other pre-contractual management work in relation to credit agreements that have not been presented or proposed by it.
Advisory Services
Sampaio & Constantino, Lda provides advisory services.
Civil Liability Insurance
Allianz Portugal S.A., policy 207360606, valid from 2025-08-01 to 2026-07-31.
Receipt and delivery of funds
Sampaio & Constantino, Lda is prohibited from receiving or delivering any funds related to the formation, execution and early performance of credit agreements, under the terms of Article 46 of the aforementioned Decree-Law.
Supervisory Authority
Banco de Portugal.
Complaints and dispute resolution
Online Complaints Book
Sampaio & Constantino, Lda is a member of the Online Complaints Book, available at the following link: livroreclamacoes.pt.
Complaints to the Banco de Portugal
Consumers may submit complaints directly to the Banco de Portugal by letter or via the form available at: clientebancario.bportugal.pt/formulario-nova-reclamacao.
Alternative dispute resolution
Sampaio & Constantino, Lda is a member of the following alternative dispute resolution entities:
- CAUAL — Arbitration Centre of the Universidade Autónoma de Lisboa — centrodearbitragem@autonoma.pt
- CNIACC — National Centre for Information and Arbitration of Consumer Disputes — geral@cniacc.pt
Consumers may turn to these centres for the purposes of complaints and resolution of disputes related to the credit intermediation activity carried out by Sampaio & Constantino, Lda.