Zephyr Mortgages

Privacy

Privacy Notice

Through this Privacy Notice, we inform you of the terms under which your personal data will be processed.

This website is owned by Sampaio & Constantino, Lda, a private limited company with registered office at Rua dos Anjos 62, Cave, 1150-039 Lisbon, registered under the sole registration and corporate tax number 518279820, which carries out the activity of credit intermediation under the brand “Zephyr Mortgages” (hereinafter so designated). Zephyr Mortgages is registered with the Banco de Portugal and operates under its supervision under the Legal Framework for Tied Credit Intermediaries and Advisory Services, with number 0007874.

For all due legal purposes, you can find below the full identification and contact details of the entity Responsible for Data Processing:

Trade Name: Zephyr Mortgages

Corporate Name: Sampaio & Constantino, Lda

Corporate Tax Number: 518279820

Registered Office: Rua dos Anjos 62, Cave, 1150-039 Lisbon

Email: contact@zephyrmortgages.com

The processing of personal data by Zephyr Mortgages will be carried out under the following terms:

1

Data Controller

Zephyr Mortgages is the entity Responsible for the processing of personal data.

2

Purposes and Legal Grounds for Processing Personal Data

Depending on your interactions with Zephyr Mortgages, your personal data may be processed for different purposes. We indicate below those purposes and the applicable legal grounds:

To respond to your information requests

Data collection allows Zephyr Mortgages to act as a credit intermediary, obtaining credit proposals from financial institutions. The legal basis for processing your data will be the taking of pre-contractual or contractual steps at the data subject's request, or the company's legitimate interest in providing the information requested by potential clients.

For sending commercial and marketing communications by email, SMS and telephone

Related to our activity, this processing requires your consent. In this case, the applicable legal basis will be your consent, which may be withdrawn at any time, without affecting the lawfulness of the processing carried out before its withdrawal. Failure to grant consent will prevent the sending of commercial communications related to our activity.

To keep you up to date with news and services

Unless you object, we will send commercial communications by email, SMS and telephone, related to our products and services. The legal basis for this processing is our legitimate interest in keeping you informed of the latest news, in order to provide a quality service.

Compliance with legal obligations

Zephyr Mortgages may process your data in order to comply with legal obligations, including providing information and responding to requests from public authorities.

To provide you with our services

We will process your data for purposes related to presenting Zephyr Mortgages' value proposition to the market, both from a client and a partner perspective. The legal basis will be the performance of a contract to which the data subject is party, as well as compliance with legal obligations to which we are subject.

Important: Failure to provide the data marked as mandatory will prevent us from following up on your request.

3

Data Retention Period

The period during which we retain your personal data may vary according to the purpose for which the data is processed. Accordingly, we will retain your personal data for the following periods:

Sending commercial communications

Until you exercise your right to object or withdraw your consent, as applicable.

For purposes related to the provision of our services

  • For the time necessary to ensure full compliance with our services and/or the contract entered into;
  • For the applicable legal periods.

For compliance with the legal obligations to which Zephyr Mortgages is subject

  • For the applicable legal periods.

For responding to your information requests

  • For the time necessary to ensure the purpose that motivated the data collection;
  • For the applicable legal periods.

If, following your information request, you become our client, the applicable periods will be those mentioned in the section “For purposes related to the provision of our services”.

4

Transmission of Personal Data

Your personal data may be communicated to third parties to ensure compliance with legal obligations or where necessary for the provision of the contracted services.

When the processing of personal data is carried out by external service providers (sub-processors), we follow strict criteria in their selection, ensuring that they comply with data protection obligations. We undertake to enter into data processing agreements with such providers.

5

Rights of the Data Subject

As the data subject, you have the following rights regarding the processing of your personal data:

  • Access: You may request information on whether we are processing your personal data and consult it in our records.
  • Rectification: You may correct your personal data if it is inaccurate, or complete data that is incomplete.
  • Erasure: You may request the deletion of your personal data when it is no longer necessary for the purposes for which it was collected, among other reasons.
  • Restriction of Processing: You may request the restriction of processing in the following situations:
    • When you contest the accuracy of your data;
    • When the processing is unlawful, but you prefer to restrict the use of the data instead of having it deleted;
    • When the data is no longer needed by us, but you require it to exercise or defend rights in legal proceedings;
    • When you object to the processing, pending the verification of the legitimate grounds for processing.
  • Objection: You may object to the processing of your personal data in certain situations, except where there are compelling legitimate grounds or for the defence of rights in legal proceedings.

If you wish to exercise any of these rights, you may send an email to contact@zephyrmortgages.com. We may request a document to verify your identity and ask you to specify the right you wish to exercise. The exercise of your rights is free of charge, except in the case of unfounded, excessive or repetitive requests.

Finally, you may lodge a complaint with the Portuguese National Data Protection Commission (CNPD), through the website www.cnpd.pt.