Credit Intermediation

Legal Information

The company "Magnidecision, Lda", with the NIF 516952064, is authorized by the Bank of Portugal to conduct the activity of Credit Intermediation, and is registered under the number 0006941, as it can be consulted here

In the scope of the aforementioned authorization, it is important to inform the following:

Banco de Portugal Registration number

0006941

Category in which the company operates

Linked / Binding Contract

Identification of the lenders or groups with whom have a binding contract

• CAIXA GERAL DE DEPÓSITOS, SA
• NOVO BANCO, SA
• BANCO BPI, SA
• ABANCA CORPORACIÓN BANCARIA, SA, SUCURSAL EM PORTUGAL
• BANKINTER, SA – SUCURSAL EM PORTUGAL
• BANCO BIC PORTUGUÊS, SA
• BANCO CTT, SA
• UNION DE CRÉDITOS INMOBILIÁRIOS, S.A., ESTABLECIMIENTO FINANCIERO DE CRÉDITO (SOCIEDAD UNIPERSONAL) – SUCURSAL EM PORTUGAL

Exclusivity regime

No

Credit agreements covered

• Housing loans
• Credit to Consumers

Credit intermediation services 

• Presentation or offer of credit agreements to consumers
• Assistance to consumers by carrying out preparatory or other pre-contractual management work in respect of credit agreements that were not submitted or proposed by themselves
• Signing credit agreements with consumers on behalf of the lenders

Consultancy Services

Contact details for the credit intermediation service

Business address

Rua Campos Verdes, n.º 301, 4455-084, Lavra – Matosinhos

Contacts

Phone number: 925310450

E-mail adress: andre.ferreira@topdeal.pt

Civil Liability

Name of the Insurance Company

Companhia de Seguros Allianz Portugal, S.A.

Insurance policy number (Real Estate Credit Intermediation)

206501043

Expiration Date

28/04/2022 – 27/04/2023

Name of the Insurance Company 

Companhia de Seguros Allianz Portugal, S.A.

Insurance policy number (Credit intermediation except real estate)

206501020

Expiration Date

28/04/2022 – 27/04/2023

Important Notes

The service provided is totally free of charge and there are no charges to be incurred by consumers. free of charge! e não existe qualquer encargo a suportar pelos consumidores.

At any time or circumstance, may our company receive or deliver any amounts that are related to the formation, execution and early execution of credit agreements, under the terms of “artº 46 do Decreto-Lei 81-C/2017 de 7 de Julho”.

Competent entity for supervising the activity

Bank of Portugal

Contacts

https://clientebancario.bportugal.pt/

Complaints

Any complaints (free of charge), in the scope of credit intermediation services, may be submitted by e-mail to: geral@topdeal.pt

Or, directly in the complaints book:  https://www.livroreclamacoes.pt/Inicio/

Or, directly at the Bank of Portugal:  https://clientebancario.bportugal.pt/

Alternative Dispute Settlement Offices

• CICAP - Tribunal Arbitral de Consumo (Consumer Arbitration Court):  https://www.cicap.pt/
• CIAB – Tribunal Arbitral de Consumo (Consumer Arbitration Court):  https://www.ciab.pt/pt/