Decisões e Soluções – Intermediários de Crédito, Lda, with its Registered Office at Av. Sacadura Cabral, no 3812, 4410-099 V. N. Gaia, an insurance intermediary registered on 29 September 2009, with the Instituto de Seguros de Portugal, under the category of Insurance Agent, with registration number 409311648, authorised for the Life and Non-Life classes, as can be verified on www.asf.com.pt.

We inform our Clients and potential Clients, pursuant to and for the purposes provided for in Article 31 of Law no. 7/2019 of 16 January, that:

1 – We do not hold a direct or indirect stake exceeding 10% in the voting rights or the share capital of any insurance undertakings;

2 – No insurance undertaking or the parent company of any insurance undertaking holds a direct or indirect stake in the voting rights or the share capital of this company;

3 – We are not authorised to receive premiums to be delivered to the insurance undertakings;

4 – Our intervention does not end with the conclusion of the insurance contract but also involves assistance throughout the term of the insurance contract;

5 – The client has no fees to pay;

6 – The Client has the right to request information regarding the remuneration that the intermediary will receive for the provision of the mediation service;

7 – The Client will not be required to make payments under the insurance contract after its conclusion, other than regular premiums and scheduled payments.

8 – The Policy on the Treatment of Policyholders, Insured Persons, Beneficiaries, and injured Third Parties is set out in a written document, which includes the operating principles, guaranteeing fair treatment, the adequate processing of their personal data, and the appropriate handling of complaints. It also has a Function Responsible for Complaints Management for policyholders, insured persons, beneficiaries, and injured third parties concerning the respective acts or omissions, pursuant to the applicable legislation. This written document is available on our premises and at www.dsseguros.pt.

9 – The Intermediary acts in representation of the client, provides advice, and we base our advice on the obligation to provide an impartial analysis. This obligation is safeguarded based on the analysis of a sufficient number of insurance contracts available on the market which allows us to make a recommendation, according to professional criteria, regarding the most appropriate insurance contract for the Client’s needs;

10 – We do not have a contractual obligation to carry out the insurance mediation activity exclusively for one or more insurance undertakings or insurance intermediaries;

11 – No other insurance intermediary intervened in the proposed insurance contract;

12 – Without prejudice to the possibility of resorting to the courts or existing out-of-court dispute resolution bodies (Centro de Informação, Mediação e Provedoria de Seguros – CIMPAS) or those that may be created for this purpose, complaints from policyholders and other interested parties must be submitted to the ASF, directly or through the complaints book available at our establishments and/or in the electronic complaints book;

13 – The insurance undertakings with which the insurance intermediary works and that are relevant within the scope of the requirements and needs presented, are the following: Tranquilidade; Liberty; Mapfre; Allianz; Victoria; Caravela; April; Real Vida; MetLife; Asisa; Prevoir; Saúde Prime; Una Seguros and Hiscox.