Regulatory Information
Information provided under Decreto-Lei n.º 81-C/2017 of 7 July.
Identification
- Legal name
- Cláusula Esplêndida, Lda
- NIPC
- 516544268
- Establishment
- Rua da Calheta, 4 E, 8600-154 Lagos
- Supervisory authority
- Banco de Portugal
- Register number
- 0006539 - verifiable at the Banco de Portugal
- Credit types covered
- Mortgage credit; Consumer credit
- Category
- Tied credit intermediary
- Exclusivity regime
- No
- Advisory services
- Yes
Credit intermediation services
- Presenting or offering credit agreements to consumers
- Assisting consumers by undertaking preparatory work or other pre-contractual administration in respect of credit agreements that it has not itself presented or offered
- Concluding credit agreements with consumers on behalf of the lenders
Lenders
The registration covers business with the following lenders, as recorded in the Banco de Portugal register:
- Banco Santander Totta, S.A.
- Caixa Geral de Depósitos, S.A.
- Banco CTT, S.A.
- Unicre - Instituição Financeira de Crédito, S.A.
- BNI - Banco de Negócios Internacional (Europa), S.A.
- Abanca Portugal, S.A.
- Bankinter, S.A. - Sucursal em Portugal
- Union de Créditos Inmobiliários, S.A., Establecimiento Financiero de Crédito (Sociedad Unipersonal) - Sucursal em Portugal
- Novo Banco, S.A.
- SICAM - Caixa Central e Caixas de Crédito Agrícola Mútuo
Professional indemnity insurance
- Insurer
- Hiscox S.A. - Sucursal em Portugal
- Policies
- Policy 2525766 - Intermediação de crédito, imóveis habitação
- Policy 2525767 - Intermediação de crédito (exceto imobiliário)
- Valid
- From 28/09/2025 to 27/09/2026
Handling of client funds
Cláusula Esplêndida, Lda is prohibited from receiving any funds from consumers in connection with the formation, performance or early settlement of credit agreements.
Complaints
You may complain directly to us, through the electronic Complaints Book, or to the Banco de Portugal. Complaints Book