Terms and Conditions
PSConsulting is made up of several companies, including Living in Portugal. All references to “Living in Portugal”, “we” or “our” in this document cover the different entities within the group.
Access to and use of the website [www.livinginportugal.com] (referred to in this document simply as the “Website”) imply acceptance of these Terms and Conditions. This Website was developed and is managed by Living in Portugal, headquartered in Lisbon.
Living in Portugal reserves the right to modify, update or remove any part of these Terms and Conditions at any time, without prior notice. You are advised to consult this document regularly to stay informed about any changes. In addition, Living in Portugal may suspend or close the Website at any time and has no obligation to provide advance notice.
Copyright
All content presented on this Website — including text, images, graphics, audio, videos, as well as the visual layout of the site — is protected by copyright owned by Living in Portugal. It is not permitted to copy, reproduce, distribute, modify or use any part of the Website elsewhere without written consent from Living in Portugal. Copyright and ownership notices must be respected and maintained as presented.
Intellectual Property and Trademarks
The trademarks, logos and other distinctive elements displayed on the Website are protected by intellectual property rights and belong to Living in Portugal. Access to the Website does not grant any licence or right to use these elements, unless expressly authorised in writing by Living in Portugal.
Disclaimer of Warranty
The information and services available on this Website are for informational purposes only and are provided “as is”. Despite efforts to ensure the accuracy of the content, absolute precision, freedom from errors or uninterrupted availability of the Website cannot be guaranteed, nor that it is free from viruses or other risks. Living in Portugal disclaims any liability arising from the use or the impossibility of use of the Website, to the maximum extent permitted by law.
Limitation of Liability
Living in Portugal accepts no responsibility for damages resulting from system interruptions, temporary or permanent failures of the Website or associated tools. Any loss caused by access to or use of the Website is the sole responsibility of the user.
Cookies
This Website uses cookies to ensure its proper functioning. The user may choose not to accept cookies, but this may affect the experience and some functionalities of the Website may not be available.
Links to Third Parties
Living in Portugal may provide links to other external websites, which are completely independent and not under our control. We do not assume any responsibility for the content, operation or services provided by these websites. Use of such links is at the user’s own risk.
The creation of third-party links to the Website depends on prior authorisation, granted in writing by Living in Portugal.
Applicable Law
These Terms and Conditions are governed by the laws in force in Portugal.
Jurisdiction
Any dispute related to the use of this Website will be resolved in the courts of the District of Lisbon, which shall have exclusive jurisdiction for this purpose.
Data Protection Policy
1. Our commitment
Living in Portugal, integrated into the PSConsulting group, operates with full transparency and ethics in its relationship with clients and partners. We value the protection of personal data, maintain streamlined processes and work to ensure security, professionalism and confidentiality at every stage of our service.
We are committed to protecting personal data, providing tools for data subjects to exercise their rights and strictly complying with the General Data Protection Regulation (GDPR) and applicable national legislation.
2. Who we are
Living in Portugal is part of the PSConsulting group and operates in the financial, real estate, insurance, telecommunications, consulting and other sectors.
We are designated as the data controller, deciding which personal data are collected, how they are processed and for which purposes.
We maintain a specific contact point for data protection matters, cooperate with national authorities and ensure that all subcontractors comply with privacy and security standards.
3. Personal data processed
Personal data are all information that identifies or can identify a person. This includes data provided directly by clients (name, contact details, address, email, documents, financial information), as well as data generated through use of the website, responses to questionnaires, usage profiles, preferences, opinions and interactions.
For newsletter subscriptions, only the email address is collected and used for sending communications, and it can be deleted at any time upon request.
When browsing our websites, we collect cookies necessary for operation, statistics and marketing, always with proper information and the user’s consent. For more details on third-party cookies such as Facebook or Google, please refer to the policies of those platforms.
4. Processing and purposes
We process personal data in accordance with the principles of lawfulness, fairness and transparency, for specific purposes such as:
Management of processes and personalised customer service.
Risk and solvency analysis and recommendation of solutions.
Support in the marketing of real estate and in the contracting of products.
Receipt and handling of complaints and requests.
Compliance with legal obligations, such as fraud prevention, anti–money laundering, financial reporting and cooperation with public authorities.
Personal data may also be used for marketing actions, customer segmentation and satisfaction analysis, always respecting consent and the rights of data subjects.
5. Retention period
We retain personal data for as long as necessary to fulfil the agreed purposes and legal obligations. The period may be extended in cases of legitimate interest, such as legal defence or tax and accounting obligations.
6. Rights of data subjects
You have the right of access, rectification, restriction, objection, portability, erasure and the right to lodge a complaint with the data protection authority (CNPD). The exercise of these rights is free of charge and may be requested by email or post.
In special or recurring cases, the response period may be extended, with clear communication provided to the data subject.
7. Data sharing
Personal data may be shared only when necessary for the performance of activities, compliance with legal obligations and work with credit, insurance, energy and telecommunications partners, as well as with companies within the PSConsulting group and public authorities.
Subcontractors and partners operate under confidentiality and data protection rules equivalent to our own.
8. Security
We implement technical and organisational measures to ensure the security, integrity and confidentiality of our clients’ information, continuously improving our processes and systems.
9. Changes to this policy
We reserve the right to amend this policy periodically to comply with new legal requirements or to improve our practices.
Last updated: November 2025.