Privacy Policy.

1. Data controller

Pedro Fernandes is a credit manager and operates under Be Intermediação de Crédito, a brand of Be at Real Estate, Lda., a tied credit intermediary registered with the Bank of Portugal under n.º 0007396. With office at Travessa Parque da Cidade nº 22, 4820-139 Fafe, Portugal, he is the entity responsible for the processing of personal data collected through this website and in the context of the intermediation services provided.

For any query relating to privacy and data protection, please contact info@pedrofernandescredito.pt or by phone +351 916 012 968.

2. Data we collect

We only collect data strictly necessary to respond to requests, present credit proposals and comply with legal obligations applicable to intermediation activity:

• Identification and contact data provided in the free analysis form or through other channels: name, address, phone, email.
• Financial and asset data required for the credit request analysis: income, household composition, expenses, Bank of Portugal responsibility map, active credit contracts, when applicable.
• Property data (in mortgage processes): address, typology, purchase value, land registry booklet copy and associated documents.
• Technical and browsing data collected by cookies and analytics tools: IP address (truncated), device type and browser, pages visited and traffic origin. See Cookie Policy.

3. Purposes and legal basis

• Credit request analysis and proposal preparation : pre-contractual steps at the request of the data subject (art. 6(1)(b) GDPR).
• Presentation of the credit request to lenders (banks) : execution of the intermediation contract and pre-contractual steps (art. 6(1)(b)).
• Compliance with legal obligations applicable to credit intermediaries, including document retention obligations and reporting to the Bank of Portugal (art. 6(1)(c)).
• Anti-money laundering and counter-terrorist financing : legal obligation (art. 6(1)(c)) and Portuguese Law 83/2017.
• Follow-up communications and marketing : consent (art. 6(1)(a)), freely revocable at any time.
• Website usage statistics : consent via cookie banner.

4. Sub-processors and recipients

We do not sell personal data. We share data only with entities strictly necessary to the provision of the service:

• Credit institutions (lenders) to which the credit request is submitted, only with your consent and for the specific purpose of the process.
• Website and contact database hosting.
• Transactional email platform and CRM (Brevo) for contact management, proposal delivery and follow-up.
• Accounting and tax obligations, within the applicable legal framework.
• Bank of Portugal, in the context of behavioural supervision of the intermediary and mandatory statistical reporting.
• Judicial and administrative authorities, when legally required.

5. International transfers

Some technology providers may process data outside the European Economic Area. In such cases, transfers rely on European Commission adequacy decisions or Standard Contractual Clauses, with additional technical measures when applicable.

6. Retention periods

• Contact requests and simulations without contractual follow-up: up to 12 months.
• Completed credit intermediation processes: for the period legally required for credit intermediaries, including 5 years after the end of the contractual relationship and, for tax and AML obligations, 7 to 10 years.
• Traffic analysis data: up to 14 months.
• Consent records: 5 years.

7. Your rights

You may exercise, at any time, the rights of access, rectification, erasure, restriction, portability and objection, as well as withdraw consent without affecting the lawfulness of processing already carried out.

To exercise these rights, write to info@pedrofernandescredito.pt. We respond within maximum 30 days. You also have the right to lodge a complaint with the Portuguese Data Protection Authority (CNPD), at cnpd.pt.

Note that the right to erasure may be limited by legal retention obligations applicable to credit intermediaries.

8. Security

We apply appropriate technical and organisational measures, including encrypted communication (HTTPS), access control, data minimisation principle and ongoing data protection training. Sensitive financial documentation is stored on encrypted media.

9. Automated decisions and minors

We do not carry out automated decisions with legal effects. Credit proposals presented result from human analysis. Our services are intended for individuals aged 18 or over.

10. Complaints

Complaints about credit intermediation activity may be submitted to info@pedrofernandescredito.pt or through the Electronic Complaints Book. Disputes may be submitted to the Alternative Dispute Resolution (ADR) entities identified on the About page.

11. Changes to this policy

This policy may be updated whenever legal or operational changes occur. The date of the last update is shown at the top of this page.