1. Introduction and Identity of the Data Controller
OtimizaFinanças ("we", "us", "our") is a behavioural financial literacy platform operated from R. Albino Lapa 1B, 2610-301 Amadora, Portugal. We can be contacted at info@otimizafinancas.com or by telephone at +351 219 814 345.
This Privacy Policy explains how we collect, use, store and protect personal data when you use our website at otimizafinancas.com, submit enquiries through our contact form, or use our financial behaviour analysis platform.
We are committed to processing personal data in accordance with Regulation (EU) 2016/679 (the General Data Protection Regulation, "GDPR") and applicable Portuguese data protection legislation, including Law No. 58/2019 of 8 August.
2. Personal Data We Collect
We collect different categories of personal data depending on how you interact with us:
2.1 Website enquiries and contact form
- Full name
- Email address
- Telephone number (optional)
- Message content and subject
- IP address and browser information (collected automatically)
2.2 Platform users
- Account registration details (name, email, password hash)
- Financial transaction data provided or linked by you
- Behavioural analysis outputs generated from your data
- Platform usage logs and interaction data
- Device and browser technical information
2.3 Cookies and tracking
We collect data through cookies and similar technologies. Please refer to our Cookie Policy for full details.
3. Legal Bases for Processing
We process your personal data on the following legal bases under Article 6 of the GDPR:
- Contractual necessity (Art. 6(1)(b)): Processing required to provide the platform service to registered users.
- Legitimate interests (Art. 6(1)(f)): Responding to enquiries, improving our services, and maintaining website security.
- Consent (Art. 6(1)(a)): For non-essential cookies and marketing communications, where you have provided explicit consent.
- Legal obligation (Art. 6(1)(c)): Where processing is required to comply with applicable legal requirements.
4. How We Use Your Personal Data
We use collected personal data for the following purposes:
- Responding to enquiries submitted through our contact form
- Providing and maintaining the OtimizaFinanças platform for registered users
- Generating personalised behavioural financial analysis reports
- Improving and developing our platform and services
- Ensuring the technical security and proper functioning of our website
- Complying with legal obligations applicable to our activities
- Communicating service-related information to registered users
5. Financial Data and Special Handling
The financial transaction data you provide or link through the platform is treated with the highest level of care. This data is used exclusively to generate your personalised behavioural reports. It is processed within the European Union, stored with end-to-end encryption, and is never shared with, sold to, or accessed by any third party for commercial purposes.
We do not provide financial advice, investment recommendations, or any form of regulated financial service. The reports generated by our platform are informational and educational in nature.
6. Data Retention
We retain personal data only for as long as necessary for the purposes for which it was collected:
- Contact form enquiries: up to 24 months from the date of submission
- Platform user accounts and associated data: for the duration of the active account plus 36 months after account closure, unless a shorter period is requested
- Website analytics data: up to 26 months in anonymised or aggregated form
- Legal and compliance records: as required by applicable Portuguese and EU law
7. Data Sharing and Third Parties
We do not sell your personal data. We may share data with carefully selected service providers who assist in operating our platform, subject to strict data processing agreements. These include:
- Cloud hosting and infrastructure providers operating within the EU
- Email delivery service providers
- Analytics platform providers (subject to your cookie consent)
All third-party processors are bound by data processing agreements that comply with GDPR requirements. We do not transfer personal data to countries outside the European Economic Area without appropriate safeguards.
8. Your Rights Under GDPR
As a data subject under the GDPR, you have the following rights:
- Right of access (Art. 15): To obtain confirmation of whether we process your data and to receive a copy of it.
- Right to rectification (Art. 16): To have inaccurate personal data corrected without undue delay.
- Right to erasure (Art. 17): To request deletion of your personal data where the legal basis for processing no longer applies.
- Right to restriction (Art. 18): To request that we limit how we use your data in certain circumstances.
- Right to data portability (Art. 20): To receive your data in a structured, commonly used and machine-readable format.
- Right to object (Art. 21): To object to processing based on legitimate interests.
- Right to withdraw consent: Where processing is based on consent, to withdraw it at any time without affecting the lawfulness of prior processing.
To exercise any of these rights, please contact us at info@otimizafinancas.com. We will respond within 30 days. You also have the right to lodge a complaint with the Portuguese Data Protection Authority (Comissão Nacional de Proteção de Dados, CNPD) at www.cnpd.pt.
9. Security Measures
We implement appropriate technical and organisational measures to protect personal data against unauthorised access, accidental loss, destruction or damage. These measures include encryption in transit and at rest, access controls, regular security assessments, and staff training on data protection obligations.
10. Changes to This Policy
We may update this Privacy Policy from time to time to reflect changes in our practices or applicable law. We will indicate the date of the most recent update at the top of this page. Continued use of our website or platform after any changes constitutes acceptance of the updated policy.
11. Contact
For any questions about this Privacy Policy or about how we handle your personal data, please contact us:
- By email: info@otimizafinancas.com
- By post: R. Albino Lapa 1B, 2610-301 Amadora, Portugal
- By telephone: +351 219 814 345