{"id":35631,"date":"2026-08-23T12:52:39","date_gmt":"2026-08-23T12:52:39","guid":{"rendered":"https:\/\/arr.pt\/?page_id=35631"},"modified":"2026-08-27T18:25:43","modified_gmt":"2026-08-27T18:25:43","slug":"intermediacao-de-credito","status":"publish","type":"page","link":"https:\/\/arr.pt\/pt\/intermediacao-de-credito\/","title":{"rendered":"Intermedia\u00e7\u00e3o de cr\u00e9dito"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"35631\" class=\"elementor elementor-35631\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9e2a65b elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9e2a65b\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-c235580\" data-id=\"c235580\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f06015d elementor-widget elementor-widget-html\" data-id=\"f06015d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t\t\t\t\n\t\t\t\t\t<style>\n\t\t.arr-credit-info { --arr-blue: #003399; --arr-ink: #151515; --arr-muted: #5e6672; --arr-line: #dfe4eb; --arr-soft: #f4f7fb; color: var(--arr-ink); font-family: Roboto, sans-serif; font-size: 16px; line-height: 1.65; }\n\t\t.arr-credit-info * { box-sizing: border-box; }\n\t\t.arr-credit-regbar { background: var(--arr-blue); color: #fff; }\n\t\t.arr-credit-regbar-inner { min-height: 68px; display: flex; align-items: center; justify-content: space-between; gap: 24px; padding-top: 10px; padding-bottom: 10px; }\n\t\t.arr-credit-regbar a { color: #fff; text-decoration: none; }\n\t\t.arr-credit-regbar-main { display: flex; flex-wrap: wrap; align-items: baseline; gap: 6px 14px; }\n\t\t.arr-credit-regbar-main strong { font-family: Montserrat, sans-serif; font-size: 15px; font-weight: 600; }\n\t\t.arr-credit-regbar-main span { font-size: 14px; opacity: .86; }\n\t\t.arr-credit-regbar-link { flex: 0 0 auto; font-size: 13px; font-weight: 600; border-bottom: 1px solid rgba(255,255,255,.55); }\n\t\t.arr-credit-shell { width: min(1120px, calc(100% - 40px)); margin: 0 auto; }\n\t\t.arr-credit-hero { padding: 72px 0 66px; background: linear-gradient(135deg, #f7f9fc 0%, #eef3fa 100%); border-bottom: 1px solid var(--arr-line); }\n\t\t.arr-credit-eyebrow { margin: 0 0 14px; color: var(--arr-blue); font-family: Montserrat, sans-serif; font-size: 13px; font-weight: 600; letter-spacing: .13em; text-transform: uppercase; }\n\t\t.arr-credit-info h1 { max-width: 760px; margin: 0 0 18px; color: #000; font-family: Montserrat, sans-serif; font-size: clamp(36px, 5vw, 56px); font-weight: 500; line-height: 1.12; letter-spacing: -.025em; }\n\t\t.arr-credit-lead { max-width: 780px; margin: 0; color: #363b43; font-size: 19px; line-height: 1.6; }\n\t\t.arr-credit-body { padding-top: 44px; padding-bottom: 88px; }\n\t\t.arr-credit-draft { margin-bottom: 28px; padding: 17px 20px; border: 1px solid #e3c369; border-left: 4px solid #c78f00; background: #fff9e8; color: #4d3c0d; border-radius: 2px; }\n\t\t.arr-credit-facts { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 16px; margin: 0 0 56px; }\n\t\t.arr-credit-fact { min-height: 128px; padding: 24px; background: var(--arr-blue); color: #fff; }\n\t\t.arr-credit-fact span { display: block; margin-bottom: 12px; font-family: Montserrat, sans-serif; font-size: 12px; letter-spacing: .08em; opacity: .75; text-transform: uppercase; }\n\t\t.arr-credit-fact strong { display: block; font-family: Montserrat, sans-serif; font-size: 19px; font-weight: 500; line-height: 1.35; }\n\t\t.arr-credit-section { margin-top: 56px; }\n\t\t.arr-credit-section h2 { margin: 0 0 13px; color: #000; font-family: Montserrat, sans-serif; font-size: 30px; font-weight: 500; line-height: 1.25; }\n\t\t.arr-credit-section-intro { max-width: 850px; margin: 0 0 22px; color: var(--arr-muted); }\n\t\t.arr-credit-table { margin: 0; border-top: 2px solid var(--arr-blue); }\n\t\t.arr-credit-row { display: grid; grid-template-columns: minmax(220px, 31%) 1fr; margin: 0; border-bottom: 1px solid var(--arr-line); }\n\t\t.arr-credit-row dt, .arr-credit-row dd { margin: 0; padding: 18px 20px; }\n\t\t.arr-credit-row dt { background: var(--arr-soft); color: #232831; font-family: Montserrat, sans-serif; font-size: 14px; font-weight: 600; }\n\t\t.arr-credit-row dd { color: #303640; }\n\t\t.arr-credit-row a { color: var(--arr-blue); text-decoration: underline; text-decoration-thickness: 1px; text-underline-offset: 3px; }\n\t\t.arr-credit-row--pending dd { background: #fffdf5; }\n\t\t.arr-credit-pending { color: #7a5c00; font-weight: 600; }\n\t\t.arr-credit-note { display: block; margin-top: 6px; color: #7a5c00; font-size: 14px; }\n\t\t.arr-credit-notice { margin-top: 48px; padding: 24px 26px; border-left: 4px solid var(--arr-blue); background: var(--arr-soft); color: #262c35; }\n\t\t@media (max-width: 760px) {\n\t\t\t.arr-credit-shell { width: min(100% - 28px, 1120px); }\n\t\t\t.arr-credit-regbar-inner { min-height: auto; align-items: flex-start; flex-direction: column; gap: 7px; padding-top: 13px; padding-bottom: 13px; }\n\t\t\t.arr-credit-regbar-main { flex-direction: column; align-items: flex-start; gap: 1px; }\n\t\t\t.arr-credit-hero { padding: 50px 0 46px; }\n\t\t\t.arr-credit-info h1 { font-size: 38px; }\n\t\t\t.arr-credit-lead { font-size: 17px; }\n\t\t\t.arr-credit-body { padding-top: 30px; padding-bottom: 60px; }\n\t\t\t.arr-credit-facts { grid-template-columns: 1fr; gap: 10px; margin-bottom: 42px; }\n\t\t\t.arr-credit-fact { min-height: 0; padding: 20px; }\n\t\t\t.arr-credit-section { margin-top: 44px; }\n\t\t\t.arr-credit-section h2 { font-size: 25px; }\n\t\t\t.arr-credit-row { grid-template-columns: 1fr; }\n\t\t\t.arr-credit-row dt { padding-bottom: 8px; border-bottom: 0; }\n\t\t\t.arr-credit-row dd { padding-top: 9px; }\n\t\t}\n\t.arr-credit-info{width:100vw;margin-left:calc(50% - 50vw);background:#fff}.elementor-widget-html>.elementor-widget-container{overflow:visible}.arr-credit-lang{display:none!important}html[lang^='pt'] .arr-credit-lang--pt,html[lang^='en'] .arr-credit-lang--en,html:not([lang^='pt']):not([lang^='en']) .arr-credit-lang--ru{display:block!important}\n\n.arr-credit-official{max-width:900px;font-family:\"Open Sans\",Arial,sans-serif;font-size:16px}\n.arr-credit-official .arr-credit-row dt{font-family:\"Open Sans\",Arial,sans-serif;font-weight:700}\n.arr-credit-status{margin:0 0 38px;padding:22px 24px;border-left:4px solid var(--arr-blue);background:var(--arr-soft)}\n.arr-credit-status h2{margin:0 0 8px!important;font-size:24px!important}\n.arr-credit-status p{margin:0;color:#303640}\n.arr-credit-legal-list{margin:0;padding:0;list-style:none;border-top:2px solid var(--arr-blue)}\n.arr-credit-legal-list li{padding:17px 20px;border-bottom:1px solid var(--arr-line);color:#303640}\n.arr-credit-legal-list a{color:var(--arr-blue);text-decoration:underline;text-underline-offset:3px}\n.arr-credit-row dd ul{margin:0;padding-left:20px}\n.arr-credit-row dd p{margin:0}\n.arr-credit-row dd p+p{margin-top:7px}\n@media print{\n @page{size:A4;margin:15mm}\n .arr-credit-info{width:auto;margin:0;font-family:\"Open Sans\",Arial,sans-serif;font-size:10pt}\n .arr-credit-hero{padding:0 0 18pt;background:#fff}\n .arr-credit-body{padding:0}\n .arr-credit-facts{display:none}\n .arr-credit-section,.arr-credit-row,.arr-credit-status,.arr-credit-notice{break-inside:avoid}\n}\n<\/style><article class=\"arr-credit-info arr-credit-lang arr-credit-lang--ru\" data-no-translation=\"\" translate=\"no\">\n<div class=\"arr-credit-regbar\"><div class=\"arr-credit-shell arr-credit-regbar-inner\"><a class=\"arr-credit-regbar-main\" href=\"#informacao-intermediario-ru\"><strong>Segredos Pr\u00f3speros, Unipessoal Lda<\/strong><span>\u0421\u0432\u044f\u0437\u0430\u043d\u043d\u044b\u0439 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0439 \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a \u2116 0009825<\/span><\/a><a class=\"arr-credit-regbar-link\" href=\"https:\/\/www.bportugal.pt\/intermediariocreditofar\/segredos-prosperos-unipessoal-lda\" target=\"_blank\" rel=\"noopener\">\u0420\u0435\u0435\u0441\u0442\u0440 Banco de Portugal \u2197<\/a><\/div><\/div>\n<header class=\"arr-credit-hero\"><div class=\"arr-credit-shell\"><p class=\"arr-credit-eyebrow\">\u0420\u0435\u0433\u0443\u043b\u044f\u0442\u043e\u0440\u043d\u0430\u044f \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f<\/p><h1>\u041a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0435 \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u043e<\/h1><p class=\"arr-credit-lead\">Segredos Pr\u00f3speros, Unipessoal Lda, \u0440\u0430\u0431\u043e\u0442\u0430\u044e\u0449\u0430\u044f \u043f\u043e\u0434 \u043a\u043e\u043c\u043c\u0435\u0440\u0447\u0435\u0441\u043a\u0438\u043c \u0431\u0440\u0435\u043d\u0434\u043e\u043c ARR, \u0437\u0430\u0440\u0435\u0433\u0438\u0441\u0442\u0440\u0438\u0440\u043e\u0432\u0430\u043d\u0430 \u0432 Banco de Portugal \u043a\u0430\u043a \u0441\u0432\u044f\u0437\u0430\u043d\u043d\u044b\u0439 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0439 \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a \u043f\u043e\u0434 \u2116 0009825.<\/p><\/div><\/header>\n<div class=\"arr-credit-shell arr-credit-body\">\n<div class=\"arr-credit-facts\"><div class=\"arr-credit-fact\"><span>\u041a\u0430\u0442\u0435\u0433\u043e\u0440\u0438\u044f<\/span><strong>\u0421\u0432\u044f\u0437\u0430\u043d\u043d\u044b\u0439 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0439 \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a<\/strong><\/div><div class=\"arr-credit-fact\"><span>\u0421\u0444\u0435\u0440\u0430<\/span><strong>\u0414\u043e\u0433\u043e\u0432\u043e\u0440\u044b \u0436\u0438\u043b\u0438\u0449\u043d\u043e\u0433\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u0430<\/strong><\/div><div class=\"arr-credit-fact\"><span>\u0420\u0435\u0433\u0438\u0441\u0442\u0440\u0430\u0446\u0438\u044f<\/span><strong>Banco de Portugal \u2116 0009825<\/strong><\/div><\/div>\n<section class=\"arr-credit-section\" id=\"informacao-intermediario-ru\"><h2>\u0418\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f \u0434\u043b\u044f \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u0435\u0439 \u043e \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a\u0430<\/h2><p class=\"arr-credit-section-intro\">\u041d\u0438\u0436\u0435 \u043f\u0440\u0438\u0432\u0435\u0434\u0435\u043d\u044b \u0441\u0432\u0435\u0434\u0435\u043d\u0438\u044f \u0432 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u0438 \u0441 \u043e\u0444\u0438\u0446\u0438\u0430\u043b\u044c\u043d\u043e\u0439 \u043c\u043e\u0434\u0435\u043b\u044c\u044e \u0438 \u043f\u0443\u0431\u043b\u0438\u0447\u043d\u043e\u0439 \u0437\u0430\u043f\u0438\u0441\u044c\u044e Banco de Portugal.<\/p><dl class=\"arr-credit-table arr-credit-official\"><div class=\"arr-credit-row\"><dt>1. \u041d\u0430\u0438\u043c\u0435\u043d\u043e\u0432\u0430\u043d\u0438\u0435 \/ \u0444\u0438\u0440\u043c\u0430 \u0438\u043b\u0438 \u044e\u0440\u0438\u0434\u0438\u0447\u0435\u0441\u043a\u043e\u0435 \u043d\u0430\u0438\u043c\u0435\u043d\u043e\u0432\u0430\u043d\u0438\u0435<\/dt><dd><strong>Segredos Pr\u00f3speros, Unipessoal Lda<\/strong><br>NIPC 517557851<\/dd><\/div><div class=\"arr-credit-row\"><dt>2. \u041f\u0440\u043e\u0444\u0435\u0441\u0441\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u0439 \/ \u044e\u0440\u0438\u0434\u0438\u0447\u0435\u0441\u043a\u0438\u0439 \u0430\u0434\u0440\u0435\u0441<\/dt><dd>Rua Eduardo Coelho, n.\u00ba 66, 1 F<br>1200-164 Lisboa, Portugal<\/dd><\/div><div class=\"arr-credit-row\"><dt>3. \u0420\u0435\u0433\u0438\u0441\u0442\u0440\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u0439 \u043d\u043e\u043c\u0435\u0440 Banco de Portugal<\/dt><dd><a href=\"https:\/\/www.bportugal.pt\/intermediariocreditofar\/segredos-prosperos-unipessoal-lda\" target=\"_blank\" rel=\"noopener\"><strong>0009825<\/strong><\/a><\/dd><\/div><div class=\"arr-credit-row\"><dt>4. \u0422\u0435\u043b\u0435\u0444\u043e\u043d<\/dt><dd><a href=\"tel:+351911755010\">+351 911 755 010<\/a> \u2014 \u043d\u043e\u043c\u0435\u0440, \u0437\u0430\u0440\u0435\u0433\u0438\u0441\u0442\u0440\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0439 \u0432 Banco de Portugal<br><a href=\"tel:+351914033425\">+351 914 033 425<\/a> \u2014 \u0434\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0439 \u043d\u043e\u043c\u0435\u0440 \u0421\u0432\u0435\u0442\u043b\u0430\u043d\u044b \u0411\u0435\u0441\u0442\u0443\u0436\u0435\u0432\u043e\u0439<\/dd><\/div><div class=\"arr-credit-row\"><dt>5. \u042d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u0430\u044f \u043f\u043e\u0447\u0442\u0430<\/dt><dd><a href=\"mailto:best133113@gmail.com\">best133113@gmail.com<\/a> \u2014 \u0430\u0434\u0440\u0435\u0441, \u0437\u0430\u0440\u0435\u0433\u0438\u0441\u0442\u0440\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0439 \u0432 Banco de Portugal<br><a href=\"mailto:ola@arr.pt\">ola@arr.pt<\/a> \u2014 \u0434\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0439 \u043a\u043e\u043c\u043c\u0435\u0440\u0447\u0435\u0441\u043a\u0438\u0439 \u043a\u043e\u043d\u0442\u0430\u043a\u0442<\/dd><\/div><div class=\"arr-credit-row\"><dt>6. \u041a\u0430\u0442\u0435\u0433\u043e\u0440\u0438\u044f \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a\u0430<\/dt><dd>\u0421\u0432\u044f\u0437\u0430\u043d\u043d\u044b\u0439 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0439 \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a (intermedi\u00e1rio de cr\u00e9dito vinculado).<\/dd><\/div><div class=\"arr-credit-row\"><dt>7. \u041a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u044b, \u0441 \u043a\u043e\u0442\u043e\u0440\u044b\u043c\u0438 \u0437\u0430\u043a\u043b\u044e\u0447\u0435\u043d\u044b \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u044b \u043e \u0441\u043e\u0442\u0440\u0443\u0434\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u0435<\/dt><dd><ul><li>Caixa Geral de Dep\u00f3sitos, S.A.<\/li><\/ul><\/dd><\/div><div class=\"arr-credit-row\"><dt>8. \u042d\u043a\u0441\u043a\u043b\u044e\u0437\u0438\u0432\u043d\u044b\u0439 \u0440\u0435\u0436\u0438\u043c<\/dt><dd><strong>\u041d\u0435\u0442.<\/strong><\/dd><\/div><div class=\"arr-credit-row\"><dt>9. \u0423\u0441\u043b\u0443\u0433\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u0430<\/dt><dd><ul><li>\u041f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043b\u0435\u043d\u0438\u0435 \u0438\u043b\u0438 \u043f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d\u0438\u0435 \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044f\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u043e\u0432.<\/li><li>\u0421\u043e\u0434\u0435\u0439\u0441\u0442\u0432\u0438\u0435 \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044f\u043c \u043f\u043e\u0441\u0440\u0435\u0434\u0441\u0442\u0432\u043e\u043c \u043f\u043e\u0434\u0433\u043e\u0442\u043e\u0432\u0438\u0442\u0435\u043b\u044c\u043d\u044b\u0445 \u0434\u0435\u0439\u0441\u0442\u0432\u0438\u0439 \u0438\u043b\u0438 \u0438\u043d\u043e\u0439 \u0440\u0430\u0431\u043e\u0442\u044b \u043f\u043e \u043f\u0440\u0435\u0434\u0434\u043e\u0433\u043e\u0432\u043e\u0440\u043d\u043e\u043c\u0443 \u0441\u043e\u043f\u0440\u043e\u0432\u043e\u0436\u0434\u0435\u043d\u0438\u044e \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u043e\u0432, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043d\u0435 \u0431\u044b\u043b\u0438 \u043f\u0440\u0435\u0434\u0441\u0442\u0430\u0432\u043b\u0435\u043d\u044b \u0438\u043b\u0438 \u043f\u0440\u0435\u0434\u043b\u043e\u0436\u0435\u043d\u044b \u0441\u0430\u043c\u0438\u043c \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a\u043e\u043c.<\/li><\/ul><\/dd><\/div><div class=\"arr-credit-row\"><dt>10. \u041a\u043e\u043d\u0441\u0443\u043b\u044c\u0442\u0430\u0446\u0438\u043e\u043d\u043d\u044b\u0435 \u0443\u0441\u043b\u0443\u0433\u0438<\/dt><dd><strong>\u041d\u0435\u0442.<\/strong><\/dd><\/div><div class=\"arr-credit-row\"><dt>11. \u041e\u0440\u0433\u0430\u043d\u0438\u0437\u0430\u0446\u0438\u044f, \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0438\u0432\u0430\u044e\u0449\u0430\u044f \u0433\u0440\u0430\u0436\u0434\u0430\u043d\u0441\u043a\u0443\u044e \u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0441\u0442\u044c<\/dt><dd>Companhia de Seguros Allianz Portugal, S.A.<\/dd><\/div><div class=\"arr-credit-row\"><dt>12. \u041d\u043e\u043c\u0435\u0440 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044f<\/dt><dd>\u041f\u043e\u043b\u0438\u0441 \u2116 208177488<\/dd><\/div><div class=\"arr-credit-row\"><dt>13. \u0421\u0440\u043e\u043a \u0434\u0435\u0439\u0441\u0442\u0432\u0438\u044f \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044f<\/dt><dd>29-04-2026 \u2014 28-04-2027<\/dd><\/div><\/dl><\/section>\n<section class=\"arr-credit-section\"><h2>\u041e\u0431\u044f\u0437\u0430\u0442\u0435\u043b\u044c\u043d\u0430\u044f \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f<\/h2><ul class=\"arr-credit-legal-list arr-credit-official\"><li>\u0420\u0435\u0433\u0438\u0441\u0442\u0440\u0430\u0446\u0438\u044e \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a\u0430 \u043c\u043e\u0436\u043d\u043e \u043f\u0440\u043e\u0432\u0435\u0440\u0438\u0442\u044c \u0432 <a href=\"https:\/\/www.bportugal.pt\/intermediariocreditofar\/segredos-prosperos-unipessoal-lda\" target=\"_blank\" rel=\"noopener\">\u043f\u0443\u0431\u043b\u0438\u0447\u043d\u043e\u043c \u0440\u0435\u0435\u0441\u0442\u0440\u0435 Banco de Portugal<\/a>.<\/li><li>\u041a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u043c\u0443 \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a\u0443 \u0437\u0430\u043f\u0440\u0435\u0449\u0435\u043d\u043e \u043f\u0440\u0438\u043d\u0438\u043c\u0430\u0442\u044c \u0438\u043b\u0438 \u043f\u0435\u0440\u0435\u0434\u0430\u0432\u0430\u0442\u044c \u043b\u044e\u0431\u044b\u0435 \u0434\u0435\u043d\u0435\u0436\u043d\u044b\u0435 \u0441\u0440\u0435\u0434\u0441\u0442\u0432\u0430, \u0441\u0432\u044f\u0437\u0430\u043d\u043d\u044b\u0435 \u0441 \u0437\u0430\u043a\u043b\u044e\u0447\u0435\u043d\u0438\u0435\u043c, \u0438\u0441\u043f\u043e\u043b\u043d\u0435\u043d\u0438\u0435\u043c \u0438 \u0434\u043e\u0441\u0440\u043e\u0447\u043d\u044b\u043c \u043f\u043e\u0433\u0430\u0448\u0435\u043d\u0438\u0435\u043c \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u043e\u0432, \u0432 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u0438 \u0441\u043e \u0441\u0442\u0430\u0442\u044c\u0451\u0439 46 \u043f\u0440\u0430\u0432\u043e\u0432\u043e\u0433\u043e \u0440\u0435\u0436\u0438\u043c\u0430 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a\u043e\u0432, \u0443\u0442\u0432\u0435\u0440\u0436\u0434\u0451\u043d\u043d\u043e\u0433\u043e \u0414\u0435\u043a\u0440\u0435\u0442\u043e\u043c-\u0437\u0430\u043a\u043e\u043d\u043e\u043c \u2116 81-C\/2017 \u043e\u0442 7 \u0438\u044e\u043b\u044f.<\/li><li>Segredos Pr\u00f3speros, Unipessoal Lda \u043e\u0441\u0443\u0449\u0435\u0441\u0442\u0432\u043b\u044f\u0435\u0442 \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u044c \u043f\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u043c\u0443 \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u0443 \u043e\u0442 \u0438\u043c\u0435\u043d\u0438 \u0438 \u043f\u043e\u0434 \u043f\u043e\u043b\u043d\u043e\u0439 \u0438 \u0431\u0435\u0437\u0443\u0441\u043b\u043e\u0432\u043d\u043e\u0439 \u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0435\u043d\u043d\u043e\u0441\u0442\u044c\u044e \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u0430, \u0441 \u043a\u043e\u0442\u043e\u0440\u044b\u043c \u0437\u0430\u043a\u043b\u044e\u0447\u0451\u043d \u0434\u043e\u0433\u043e\u0432\u043e\u0440 \u043e \u0441\u043e\u0442\u0440\u0443\u0434\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u0435.<\/li><li>\u0414\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u044c \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a\u0430 \u043d\u0430\u0445\u043e\u0434\u0438\u0442\u0441\u044f \u043f\u043e\u0434 \u043d\u0430\u0434\u0437\u043e\u0440\u043e\u043c Banco de Portugal.<\/li><\/ul><\/section>\n<section class=\"arr-credit-section\"><h2>\u0414\u043e\u043f\u043e\u043b\u043d\u0438\u0442\u0435\u043b\u044c\u043d\u0430\u044f \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f<\/h2><dl class=\"arr-credit-table arr-credit-official\"><div class=\"arr-credit-row\"><dt>\u0412\u0438\u0434\u044b \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0445 \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u043e\u0432<\/dt><dd>\u0414\u043e\u0433\u043e\u0432\u043e\u0440\u044b \u0436\u0438\u043b\u0438\u0449\u043d\u043e\u0433\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u0430.<\/dd><\/div><div class=\"arr-credit-row\"><dt>\u0421\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u044f \u0441\u0443\u043c\u043c\u0430<\/dt><dd>460 000 \u20ac \u043d\u0430 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u043e\u0439 \u0441\u043b\u0443\u0447\u0430\u0439 \u0438 \u043e\u0434\u043d\u043e\u0433\u043e \u043f\u043e\u0442\u0435\u0440\u043f\u0435\u0432\u0448\u0435\u0433\u043e \u0438\u043b\u0438 \u0437\u0430\u044f\u0432\u0438\u0442\u0435\u043b\u044f; 750 000 \u20ac \u043d\u0430 \u043f\u0435\u0440\u0438\u043e\u0434 \u0441\u0442\u0440\u0430\u0445\u043e\u0432\u0430\u043d\u0438\u044f.<\/dd><\/div><div class=\"arr-credit-row\"><dt>\u0420\u0430\u0441\u0445\u043e\u0434\u044b \u043a\u043b\u0438\u0435\u043d\u0442\u0430<\/dt><dd>Segredos Pr\u00f3speros, Unipessoal Lda \u043d\u0435 \u0432\u0437\u0438\u043c\u0430\u0435\u0442 \u0441 \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u0435\u0439 \u043f\u043b\u0430\u0442\u0435\u0436\u0438, \u043a\u043e\u043c\u0438\u0441\u0441\u0438\u0438 \u0438\u043b\u0438 \u0440\u0430\u0441\u0445\u043e\u0434\u044b \u0437\u0430 \u0443\u0441\u043b\u0443\u0433\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u0430.<\/dd><\/div><div class=\"arr-credit-row\"><dt>\u0412\u043e\u0437\u043d\u0430\u0433\u0440\u0430\u0436\u0434\u0435\u043d\u0438\u0435<\/dt><dd>Segredos Pr\u00f3speros, Unipessoal Lda \u043f\u043e\u043b\u0443\u0447\u0430\u0435\u0442 \u0432\u043e\u0437\u043d\u0430\u0433\u0440\u0430\u0436\u0434\u0435\u043d\u0438\u0435 \u043e\u0442 \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u0430, \u0441 \u043a\u043e\u0442\u043e\u0440\u044b\u043c \u0437\u0430\u043a\u043b\u044e\u0447\u0451\u043d \u0434\u043e\u0433\u043e\u0432\u043e\u0440 \u043e \u0441\u043e\u0442\u0440\u0443\u0434\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u0435, \u0432 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0438\u0438 \u0441 \u0443\u0441\u043b\u043e\u0432\u0438\u044f\u043c\u0438 \u044d\u0442\u043e\u0433\u043e \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430.<\/dd><\/div><\/dl><\/section>\n<section class=\"arr-credit-section\"><h2>\u0416\u0430\u043b\u043e\u0431\u044b \u0438 \u0430\u043b\u044c\u0442\u0435\u0440\u043d\u0430\u0442\u0438\u0432\u043d\u043e\u0435 \u0440\u0430\u0437\u0440\u0435\u0448\u0435\u043d\u0438\u0435 \u0441\u043f\u043e\u0440\u043e\u0432<\/h2><p class=\"arr-credit-section-intro\">\u0414\u043b\u044f \u043f\u043e\u0434\u0430\u0447\u0438 \u0436\u0430\u043b\u043e\u0431 \u0438 \u0432\u043d\u0435\u0441\u0443\u0434\u0435\u0431\u043d\u043e\u0433\u043e \u0440\u0430\u0437\u0440\u0435\u0448\u0435\u043d\u0438\u044f \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044c\u0441\u043a\u0438\u0445 \u0441\u043f\u043e\u0440\u043e\u0432 \u0434\u043e\u0441\u0442\u0443\u043f\u043d\u044b \u0441\u043b\u0435\u0434\u0443\u044e\u0449\u0438\u0435 \u043a\u0430\u043d\u0430\u043b\u044b.<\/p><dl class=\"arr-credit-table arr-credit-official\"><div class=\"arr-credit-row\"><dt>\u041a\u043e\u043d\u0442\u0430\u043a\u0442 \u0434\u043b\u044f \u043f\u043e\u043b\u0443\u0447\u0435\u043d\u0438\u044f \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u0438<\/dt><dd><a href=\"mailto:best133113@gmail.com\">best133113@gmail.com<\/a><br><a href=\"mailto:ola@arr.pt\">ola@arr.pt<\/a><\/dd><\/div><div class=\"arr-credit-row\"><dt>\u0410\u0440\u0431\u0438\u0442\u0440\u0430\u0436\u043d\u044b\u0439 \u0446\u0435\u043d\u0442\u0440 \u0410\u0432\u0442\u043e\u043d\u043e\u043c\u043d\u043e\u0433\u043e \u0443\u043d\u0438\u0432\u0435\u0440\u0441\u0438\u0442\u0435\u0442\u0430 \u041b\u0438\u0441\u0441\u0430\u0431\u043e\u043d\u0430 (CAUAL)<\/dt><dd><a href=\"https:\/\/arbitragem.autonoma.pt\/\" target=\"_blank\" rel=\"noopener\">arbitragem.autonoma.pt<\/a><br>Rua General Firmino Miguel, 8A, 1600-300 Lisboa<br>\u041f\u0440\u0438\u0441\u043e\u0435\u0434\u0438\u043d\u0435\u043d\u0438\u0435 \u043e\u0444\u043e\u0440\u043c\u043b\u0435\u043d\u043e.<\/dd><\/div><div class=\"arr-credit-row\"><dt>CNIACC \u2014 \u041d\u0430\u0446\u0438\u043e\u043d\u0430\u043b\u044c\u043d\u044b\u0439 \u0446\u0435\u043d\u0442\u0440 \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u0438 \u0438 \u0430\u0440\u0431\u0438\u0442\u0440\u0430\u0436\u0430 \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u044c\u0441\u043a\u0438\u0445 \u0441\u043f\u043e\u0440\u043e\u0432<\/dt><dd><a href=\"https:\/\/www.cniacc.pt\/\" target=\"_blank\" rel=\"noopener\">www.cniacc.pt<\/a><\/dd><\/div><div class=\"arr-credit-row\"><dt>\u042d\u043b\u0435\u043a\u0442\u0440\u043e\u043d\u043d\u0430\u044f \u043a\u043d\u0438\u0433\u0430 \u0436\u0430\u043b\u043e\u0431<\/dt><dd><a href=\"https:\/\/www.livroreclamacoes.pt\/Inicio\/\" target=\"_blank\" rel=\"noopener\">www.livroreclamacoes.pt<\/a><\/dd><\/div><\/dl><\/section>\n<aside class=\"arr-credit-notice\"><strong>Segredos Pr\u00f3speros, Unipessoal Lda \u043d\u0435 \u0432\u044b\u0434\u0430\u0451\u0442 \u043a\u0440\u0435\u0434\u0438\u0442\u044b.<\/strong> \u0420\u0435\u0448\u0435\u043d\u0438\u0435 \u043e\u0431 \u043e\u0434\u043e\u0431\u0440\u0435\u043d\u0438\u0438, \u0443\u0441\u043b\u043e\u0432\u0438\u044f\u0445 \u0438 \u0437\u0430\u043a\u043b\u044e\u0447\u0435\u043d\u0438\u0438 \u043a\u0430\u0436\u0434\u043e\u0433\u043e \u0434\u043e\u0433\u043e\u0432\u043e\u0440\u0430 \u043e\u0442\u043d\u043e\u0441\u0438\u0442\u0441\u044f \u0438\u0441\u043a\u043b\u044e\u0447\u0438\u0442\u0435\u043b\u044c\u043d\u043e \u043a \u043a\u043e\u043c\u043f\u0435\u0442\u0435\u043d\u0446\u0438\u0438 \u0441\u043e\u043e\u0442\u0432\u0435\u0442\u0441\u0442\u0432\u0443\u044e\u0449\u0435\u0433\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043e\u0440\u0430.<\/aside>\n<\/div><\/article><article class=\"arr-credit-info arr-credit-lang arr-credit-lang--pt\" data-no-translation=\"\" translate=\"no\">\n<div class=\"arr-credit-regbar\"><div class=\"arr-credit-shell arr-credit-regbar-inner\"><a class=\"arr-credit-regbar-main\" href=\"#informacao-intermediario-pt\"><strong>Segredos Pr\u00f3speros, Unipessoal Lda<\/strong><span>Intermedi\u00e1rio de cr\u00e9dito vinculado n.\u00ba 0009825<\/span><\/a><a class=\"arr-credit-regbar-link\" href=\"https:\/\/www.bportugal.pt\/intermediariocreditofar\/segredos-prosperos-unipessoal-lda\" target=\"_blank\" rel=\"noopener\">Consultar no Banco de Portugal \u2197<\/a><\/div><\/div>\n<header class=\"arr-credit-hero\"><div class=\"arr-credit-shell\"><p class=\"arr-credit-eyebrow\">Informa\u00e7\u00e3o regulat\u00f3ria<\/p><h1>Intermedia\u00e7\u00e3o de cr\u00e9dito<\/h1><p class=\"arr-credit-lead\">A Segredos Pr\u00f3speros, Unipessoal Lda, que atua sob a marca comercial ARR, encontra-se registada no Banco de Portugal como intermedi\u00e1rio de cr\u00e9dito vinculado, sob o n.\u00ba 0009825.<\/p><\/div><\/header>\n<div class=\"arr-credit-shell arr-credit-body\">\n<div class=\"arr-credit-facts\"><div class=\"arr-credit-fact\"><span>Categoria<\/span><strong>Intermedi\u00e1rio de cr\u00e9dito vinculado<\/strong><\/div><div class=\"arr-credit-fact\"><span>\u00c2mbito<\/span><strong>Contratos de cr\u00e9dito \u00e0 habita\u00e7\u00e3o<\/strong><\/div><div class=\"arr-credit-fact\"><span>Registo<\/span><strong>Banco de Portugal n.\u00ba 0009825<\/strong><\/div><\/div>\n<section class=\"arr-credit-section\" id=\"informacao-intermediario-pt\"><h2>Informa\u00e7\u00e3o aos consumidores relativa \u00e0 atividade de intermedi\u00e1rio de cr\u00e9dito<\/h2><p class=\"arr-credit-section-intro\">Os elementos abaixo s\u00e3o apresentados de acordo com o modelo oficial e com o registo p\u00fablico do Banco de Portugal.<\/p><dl class=\"arr-credit-table arr-credit-official\"><div class=\"arr-credit-row\"><dt>1. Nome \/ firma ou denomina\u00e7\u00e3o<\/dt><dd><strong>Segredos Pr\u00f3speros, Unipessoal Lda<\/strong><br>NIPC 517557851<\/dd><\/div><div class=\"arr-credit-row\"><dt>2. Domic\u00edlio profissional \/ sede social<\/dt><dd>Rua Eduardo Coelho, n.\u00ba 66, 1 F<br>1200-164 Lisboa, Portugal<\/dd><\/div><div class=\"arr-credit-row\"><dt>3. N\u00famero de registo junto do Banco de Portugal<\/dt><dd><a href=\"https:\/\/www.bportugal.pt\/intermediariocreditofar\/segredos-prosperos-unipessoal-lda\" target=\"_blank\" rel=\"noopener\"><strong>0009825<\/strong><\/a><\/dd><\/div><div class=\"arr-credit-row\"><dt>4. Contacto telef\u00f3nico<\/dt><dd><a href=\"tel:+351911755010\">+351 911 755 010<\/a> \u2014 contacto registado no Banco de Portugal<br><a href=\"tel:+351914033425\">+351 914 033 425<\/a> \u2014 contacto direto adicional de Svetlana Bestuzheva<\/dd><\/div><div class=\"arr-credit-row\"><dt>5. Endere\u00e7o de correio eletr\u00f3nico<\/dt><dd><a href=\"mailto:best133113@gmail.com\">best133113@gmail.com<\/a> \u2014 endere\u00e7o registado no Banco de Portugal<br><a href=\"mailto:ola@arr.pt\">ola@arr.pt<\/a> \u2014 contacto comercial adicional<\/dd><\/div><div class=\"arr-credit-row\"><dt>6. Categoria de intermedi\u00e1rio de cr\u00e9dito<\/dt><dd>Intermedi\u00e1rio de cr\u00e9dito vinculado.<\/dd><\/div><div class=\"arr-credit-row\"><dt>7. Mutuantes ou grupo de mutuantes com quem mant\u00e9m contrato de vincula\u00e7\u00e3o<\/dt><dd><ul><li>Caixa Geral de Dep\u00f3sitos, S.A.<\/li><\/ul><\/dd><\/div><div class=\"arr-credit-row\"><dt>8. Regime de exclusividade<\/dt><dd><strong>N\u00e3o.<\/strong><\/dd><\/div><div class=\"arr-credit-row\"><dt>9. Servi\u00e7os de intermedia\u00e7\u00e3o de cr\u00e9dito<\/dt><dd><ul><li>Apresenta\u00e7\u00e3o ou proposta de contratos de cr\u00e9dito a consumidores.<\/li><li>Assist\u00eancia a consumidores, mediante a realiza\u00e7\u00e3o de atos preparat\u00f3rios ou de outros trabalhos de gest\u00e3o pr\u00e9-contratual relativamente a contratos de cr\u00e9dito que n\u00e3o tenham sido por si apresentados ou propostos.<\/li><\/ul><\/dd><\/div><div class=\"arr-credit-row\"><dt>10. Servi\u00e7os de consultoria<\/dt><dd><strong>N\u00e3o.<\/strong><\/dd><\/div><div class=\"arr-credit-row\"><dt>11. Entidade que garante a responsabilidade civil<\/dt><dd>Companhia de Seguros Allianz Portugal, S.A.<\/dd><\/div><div class=\"arr-credit-row\"><dt>12. N\u00famero dos contratos de seguro<\/dt><dd>Ap\u00f3lice n.\u00ba 208177488<\/dd><\/div><div class=\"arr-credit-row\"><dt>13. Per\u00edodo de validade dos contratos de seguro<\/dt><dd>29-04-2026 a 28-04-2027<\/dd><\/div><\/dl><\/section>\n<section class=\"arr-credit-section\"><h2>Informa\u00e7\u00f5es obrigat\u00f3rias<\/h2><ul class=\"arr-credit-legal-list arr-credit-official\"><li>O registo do intermedi\u00e1rio de cr\u00e9dito pode ser consultado no <a href=\"https:\/\/www.bportugal.pt\/intermediariocreditofar\/segredos-prosperos-unipessoal-lda\" target=\"_blank\" rel=\"noopener\">registo p\u00fablico do Banco de Portugal<\/a>.<\/li><li>\u00c9 proibido ao intermedi\u00e1rio de cr\u00e9dito receber ou entregar quaisquer valores relacionados com a forma\u00e7\u00e3o, a execu\u00e7\u00e3o e o cumprimento antecipado dos contratos de cr\u00e9dito, nos termos do artigo 46.\u00ba do regime jur\u00eddico dos intermedi\u00e1rios de cr\u00e9dito, aprovado pelo Decreto-Lei n.\u00ba 81-C\/2017, de 7 de julho.<\/li><li>A Segredos Pr\u00f3speros, Unipessoal Lda exerce a atividade de intermedia\u00e7\u00e3o de cr\u00e9dito sob o nome e sob a responsabilidade total e incondicional do mutuante com o qual mant\u00e9m contrato de vincula\u00e7\u00e3o.<\/li><li>A atividade de intermedia\u00e7\u00e3o de cr\u00e9dito est\u00e1 sujeita \u00e0 supervis\u00e3o do Banco de Portugal.<\/li><\/ul><\/section>\n<section class=\"arr-credit-section\"><h2>Informa\u00e7\u00e3o complementar<\/h2><dl class=\"arr-credit-table arr-credit-official\"><div class=\"arr-credit-row\"><dt>Contratos de cr\u00e9dito abrangidos<\/dt><dd>Contratos de cr\u00e9dito \u00e0 habita\u00e7\u00e3o.<\/dd><\/div><div class=\"arr-credit-row\"><dt>Capital seguro<\/dt><dd>460 000 \u20ac por sinistro e por lesado ou reclamante; 750 000 \u20ac por per\u00edodo de seguro.<\/dd><\/div><div class=\"arr-credit-row\"><dt>Encargos para o consumidor<\/dt><dd>A Segredos Pr\u00f3speros, Unipessoal Lda n\u00e3o cobra aos consumidores qualquer valor, comiss\u00e3o ou despesa pelos servi\u00e7os de intermedia\u00e7\u00e3o de cr\u00e9dito.<\/dd><\/div><div class=\"arr-credit-row\"><dt>Remunera\u00e7\u00e3o<\/dt><dd>A Segredos Pr\u00f3speros, Unipessoal Lda \u00e9 remunerada pelo mutuante com o qual mant\u00e9m contrato de vincula\u00e7\u00e3o, nos termos do respetivo contrato.<\/dd><\/div><\/dl><\/section>\n<section class=\"arr-credit-section\"><h2>Reclama\u00e7\u00f5es e resolu\u00e7\u00e3o alternativa de lit\u00edgios<\/h2><p class=\"arr-credit-section-intro\">Para reclama\u00e7\u00f5es e resolu\u00e7\u00e3o extrajudicial de lit\u00edgios de consumo, est\u00e3o dispon\u00edveis os seguintes canais.<\/p><dl class=\"arr-credit-table arr-credit-official\"><div class=\"arr-credit-row\"><dt>Contacto para esclarecimentos<\/dt><dd><a href=\"mailto:best133113@gmail.com\">best133113@gmail.com<\/a><br><a href=\"mailto:ola@arr.pt\">ola@arr.pt<\/a><\/dd><\/div><div class=\"arr-credit-row\"><dt>Centro de Arbitragem da Universidade Aut\u00f3noma de Lisboa (CAUAL)<\/dt><dd><a href=\"https:\/\/arbitragem.autonoma.pt\/\" target=\"_blank\" rel=\"noopener\">arbitragem.autonoma.pt<\/a><br>Rua General Firmino Miguel, 8A, 1600-300 Lisboa<br>Ades\u00e3o formalizada.<\/dd><\/div><div class=\"arr-credit-row\"><dt>CNIACC \u2014 Centro Nacional de Informa\u00e7\u00e3o e Arbitragem de Conflitos de Consumo<\/dt><dd><a href=\"https:\/\/www.cniacc.pt\/\" target=\"_blank\" rel=\"noopener\">www.cniacc.pt<\/a><\/dd><\/div><div class=\"arr-credit-row\"><dt>Livro de Reclama\u00e7\u00f5es Eletr\u00f3nico<\/dt><dd><a href=\"https:\/\/www.livroreclamacoes.pt\/Inicio\/\" target=\"_blank\" rel=\"noopener\">www.livroreclamacoes.pt<\/a><\/dd><\/div><\/dl><\/section>\n<aside class=\"arr-credit-notice\"><strong>A Segredos Pr\u00f3speros, Unipessoal Lda n\u00e3o concede cr\u00e9dito.<\/strong> A aprova\u00e7\u00e3o, as condi\u00e7\u00f5es e a celebra\u00e7\u00e3o de cada contrato s\u00e3o da exclusiva responsabilidade do respetivo mutuante.<\/aside>\n<\/div><\/article><article class=\"arr-credit-info arr-credit-lang arr-credit-lang--en\" data-no-translation=\"\" translate=\"no\">\n<div class=\"arr-credit-regbar\"><div class=\"arr-credit-shell arr-credit-regbar-inner\"><a class=\"arr-credit-regbar-main\" href=\"#informacao-intermediario-en\"><strong>Segredos Pr\u00f3speros, Unipessoal Lda<\/strong><span>Tied credit intermediary no. 0009825<\/span><\/a><a class=\"arr-credit-regbar-link\" href=\"https:\/\/www.bportugal.pt\/intermediariocreditofar\/segredos-prosperos-unipessoal-lda\" target=\"_blank\" rel=\"noopener\">View Banco de Portugal register \u2197<\/a><\/div><\/div>\n<header class=\"arr-credit-hero\"><div class=\"arr-credit-shell\"><p class=\"arr-credit-eyebrow\">Regulatory information<\/p><h1>Credit intermediation<\/h1><p class=\"arr-credit-lead\">Segredos Pr\u00f3speros, Unipessoal Lda, trading under the ARR brand, is registered with Banco de Portugal as a tied credit intermediary under no. 0009825.<\/p><\/div><\/header>\n<div class=\"arr-credit-shell arr-credit-body\">\n<div class=\"arr-credit-facts\"><div class=\"arr-credit-fact\"><span>Category<\/span><strong>Tied credit intermediary<\/strong><\/div><div class=\"arr-credit-fact\"><span>Scope<\/span><strong>Housing credit agreements<\/strong><\/div><div class=\"arr-credit-fact\"><span>Registration<\/span><strong>Banco de Portugal no. 0009825<\/strong><\/div><\/div>\n<section class=\"arr-credit-section\" id=\"informacao-intermediario-en\"><h2>Consumer information concerning credit intermediary activity<\/h2><p class=\"arr-credit-section-intro\">The information below follows the official model and the public register of Banco de Portugal.<\/p><dl class=\"arr-credit-table arr-credit-official\"><div class=\"arr-credit-row\"><dt>1. Name \/ business or legal name<\/dt><dd><strong>Segredos Pr\u00f3speros, Unipessoal Lda<\/strong><br>NIPC 517557851<\/dd><\/div><div class=\"arr-credit-row\"><dt>2. Professional domicile \/ registered office<\/dt><dd>Rua Eduardo Coelho, n.\u00ba 66, 1 F<br>1200-164 Lisboa, Portugal<\/dd><\/div><div class=\"arr-credit-row\"><dt>3. Banco de Portugal registration number<\/dt><dd><a href=\"https:\/\/www.bportugal.pt\/intermediariocreditofar\/segredos-prosperos-unipessoal-lda\" target=\"_blank\" rel=\"noopener\"><strong>0009825<\/strong><\/a><\/dd><\/div><div class=\"arr-credit-row\"><dt>4. Telephone<\/dt><dd><a href=\"tel:+351911755010\">+351 911 755 010<\/a> \u2014 number registered with Banco de Portugal<br><a href=\"tel:+351914033425\">+351 914 033 425<\/a> \u2014 additional direct contact for Svetlana Bestuzheva<\/dd><\/div><div class=\"arr-credit-row\"><dt>5. Email address<\/dt><dd><a href=\"mailto:best133113@gmail.com\">best133113@gmail.com<\/a> \u2014 address registered with Banco de Portugal<br><a href=\"mailto:ola@arr.pt\">ola@arr.pt<\/a> \u2014 additional business contact<\/dd><\/div><div class=\"arr-credit-row\"><dt>6. Credit intermediary category<\/dt><dd>Tied credit intermediary (intermedi\u00e1rio de cr\u00e9dito vinculado).<\/dd><\/div><div class=\"arr-credit-row\"><dt>7. Lenders or groups of lenders with which it has a tie agreement<\/dt><dd><ul><li>Caixa Geral de Dep\u00f3sitos, S.A.<\/li><\/ul><\/dd><\/div><div class=\"arr-credit-row\"><dt>8. Exclusivity regime<\/dt><dd><strong>No.<\/strong><\/dd><\/div><div class=\"arr-credit-row\"><dt>9. Credit intermediation services<\/dt><dd><ul><li>Presenting or proposing credit agreements to consumers.<\/li><li>Assisting consumers by carrying out preparatory acts or other pre-contractual administrative work in respect of credit agreements not presented or proposed by the intermediary.<\/li><\/ul><\/dd><\/div><div class=\"arr-credit-row\"><dt>10. Advisory services<\/dt><dd><strong>No.<\/strong><\/dd><\/div><div class=\"arr-credit-row\"><dt>11. Entity guaranteeing civil liability<\/dt><dd>Companhia de Seguros Allianz Portugal, S.A.<\/dd><\/div><div class=\"arr-credit-row\"><dt>12. Insurance contract number<\/dt><dd>Policy no. 208177488<\/dd><\/div><div class=\"arr-credit-row\"><dt>13. Insurance contract validity period<\/dt><dd>29-04-2026 to 28-04-2027<\/dd><\/div><\/dl><\/section>\n<section class=\"arr-credit-section\"><h2>Mandatory information<\/h2><ul class=\"arr-credit-legal-list arr-credit-official\"><li>The credit intermediary's registration may be checked in the <a href=\"https:\/\/www.bportugal.pt\/intermediariocreditofar\/segredos-prosperos-unipessoal-lda\" target=\"_blank\" rel=\"noopener\">Banco de Portugal public register<\/a>.<\/li><li>A credit intermediary is prohibited from receiving or delivering any amounts connected with the formation, performance or early repayment of credit agreements, pursuant to Article 46 of the legal framework for credit intermediaries approved by Decree-Law no. 81-C\/2017 of 7 July.<\/li><li>Segredos Pr\u00f3speros, Unipessoal Lda carries on credit intermediation activity in the name and under the full and unconditional responsibility of the lender with which it has a tie agreement.<\/li><li>Credit intermediation activity is subject to the supervision of Banco de Portugal.<\/li><\/ul><\/section>\n<section class=\"arr-credit-section\"><h2>Additional information<\/h2><dl class=\"arr-credit-table arr-credit-official\"><div class=\"arr-credit-row\"><dt>Credit agreements covered<\/dt><dd>Housing credit agreements.<\/dd><\/div><div class=\"arr-credit-row\"><dt>Insurance cover<\/dt><dd>\u20ac460,000 per claim and injured party or claimant; \u20ac750,000 per insurance period.<\/dd><\/div><div class=\"arr-credit-row\"><dt>Charges to consumers<\/dt><dd>Segredos Pr\u00f3speros, Unipessoal Lda does not charge consumers any amount, commission or expense for credit intermediation services.<\/dd><\/div><div class=\"arr-credit-row\"><dt>Remuneration<\/dt><dd>Segredos Pr\u00f3speros, Unipessoal Lda is remunerated by the lender with which it has a tie agreement, in accordance with that agreement.<\/dd><\/div><\/dl><\/section>\n<section class=\"arr-credit-section\"><h2>Complaints and alternative dispute resolution<\/h2><p class=\"arr-credit-section-intro\">The following channels are available for complaints and out-of-court resolution of consumer disputes.<\/p><dl class=\"arr-credit-table arr-credit-official\"><div class=\"arr-credit-row\"><dt>Contact for information<\/dt><dd><a href=\"mailto:best133113@gmail.com\">best133113@gmail.com<\/a><br><a href=\"mailto:ola@arr.pt\">ola@arr.pt<\/a><\/dd><\/div><div class=\"arr-credit-row\"><dt>Arbitration Centre of Universidade Aut\u00f3noma de Lisboa (CAUAL)<\/dt><dd><a href=\"https:\/\/arbitragem.autonoma.pt\/\" target=\"_blank\" rel=\"noopener\">arbitragem.autonoma.pt<\/a><br>Rua General Firmino Miguel, 8A, 1600-300 Lisboa<br>Membership completed.<\/dd><\/div><div class=\"arr-credit-row\"><dt>CNIACC \u2014 National Consumer Conflict Information and Arbitration Centre<\/dt><dd><a href=\"https:\/\/www.cniacc.pt\/\" target=\"_blank\" rel=\"noopener\">www.cniacc.pt<\/a><\/dd><\/div><div class=\"arr-credit-row\"><dt>Electronic Complaints Book<\/dt><dd><a href=\"https:\/\/www.livroreclamacoes.pt\/Inicio\/\" target=\"_blank\" rel=\"noopener\">www.livroreclamacoes.pt<\/a><\/dd><\/div><\/dl><\/section>\n<aside class=\"arr-credit-notice\"><strong>Segredos Pr\u00f3speros, Unipessoal Lda does not grant credit.<\/strong> The approval, terms and conclusion of each agreement remain the sole responsibility of the relevant lender.<\/aside>\n<\/div><\/article>\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Segredos Pr\u00f3speros, Unipessoal Lda\u0421\u0432\u044f\u0437\u0430\u043d\u043d\u044b\u0439 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0439 \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a \u2116 0009825\u0420\u0435\u0435\u0441\u0442\u0440 Banco de Portugal \u2197 \u0420\u0435\u0433\u0443\u043b\u044f\u0442\u043e\u0440\u043d\u0430\u044f \u0438\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f \u041a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0435 \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u0447\u0435\u0441\u0442\u0432\u043e Segredos Pr\u00f3speros, Unipessoal Lda, \u0440\u0430\u0431\u043e\u0442\u0430\u044e\u0449\u0430\u044f \u043f\u043e\u0434 \u043a\u043e\u043c\u043c\u0435\u0440\u0447\u0435\u0441\u043a\u0438\u043c \u0431\u0440\u0435\u043d\u0434\u043e\u043c ARR, \u0437\u0430\u0440\u0435\u0433\u0438\u0441\u0442\u0440\u0438\u0440\u043e\u0432\u0430\u043d\u0430 \u0432 Banco de Portugal \u043a\u0430\u043a \u0441\u0432\u044f\u0437\u0430\u043d\u043d\u044b\u0439 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0439 \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a \u043f\u043e\u0434 \u2116 0009825. \u041a\u0430\u0442\u0435\u0433\u043e\u0440\u0438\u044f\u0421\u0432\u044f\u0437\u0430\u043d\u043d\u044b\u0439 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u044b\u0439 \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a\u0421\u0444\u0435\u0440\u0430\u0414\u043e\u0433\u043e\u0432\u043e\u0440\u044b \u0436\u0438\u043b\u0438\u0449\u043d\u043e\u0433\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u0430\u0420\u0435\u0433\u0438\u0441\u0442\u0440\u0430\u0446\u0438\u044fBanco de Portugal \u2116 0009825 \u0418\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f \u0434\u043b\u044f \u043f\u043e\u0442\u0440\u0435\u0431\u0438\u0442\u0435\u043b\u0435\u0439 \u043e \u0434\u0435\u044f\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u0438 \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a\u0430 \u041d\u0438\u0436\u0435 \u043f\u0440\u0438\u0432\u0435\u0434\u0435\u043d\u044b [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_joinchat":[],"footnotes":""},"class_list":["post-35631","page","type-page","status-publish","hentry"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.1 - aioseo.com -->\n\t<meta name=\"description\" content=\"\u0418\u043d\u0444\u043e\u0440\u043c\u0430\u0446\u0438\u044f \u043e\u0431 \u0430\u0432\u0442\u043e\u0440\u0438\u0437\u0430\u0446\u0438\u0438 \u0438 \u0440\u0435\u0433\u0438\u0441\u0442\u0440\u0430\u0446\u0438\u0438 ARR \u043a\u0430\u043a \u0441\u0432\u044f\u0437\u0430\u043d\u043d\u043e\u0433\u043e \u043a\u0440\u0435\u0434\u0438\u0442\u043d\u043e\u0433\u043e \u043f\u043e\u0441\u0440\u0435\u0434\u043d\u0438\u043a\u0430 \u0432 \u041f\u043e\u0440\u0442\u0443\u0433\u0430\u043b\u0438\u0438: \u0438\u043f\u043e\u0442\u0435\u0447\u043d\u044b\u0435 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