Terms for using our services
These terms and conditions apply to the use of the insuranceportugal.pt website and the services offered through this website.
By using our website and/or services, you agree to these terms and conditions.
TEKSOMA Holding Lda. is a Portuguese holding and management consultancy. TEKSOMA is:
Important: TEKSOMA is NOT a licensed insurance or credit intermediary and does not provide mediation services itself.
All regulated insurance and credit intermediation services are provided exclusively by Carlos Manuel Soares, a connected consultant (PDEADS) operating under DS SEGUROS.
About DS SEGUROS:
A DS SEGUROS – GRUPO DS, national registered trademark under no. 650438, is owned by DECISÕES E SOLUÇÕES – INTERMEDIÁRIOS DE CRÉDITO, LDA, registered with the Portuguese Insurance and Pension Funds Supervisory Authority (ASF) as an Insurance Agent under no. 409311648/3, authorized for Life and Non-Life insurance branches, verifiable at https://www.asf.com.pt.
It is registered with Banco de Portugal as a Tied Credit Intermediary under no. 0000926, authorized to provide credit advisory and intermediation services (presentation and proposal of consumer credit contracts; pre-contractual assistance and credit process management).
Covered contracts: Mortgage Credit and Consumer Credit.
Lending institutions with tied contracts: BANCO SANTANDER TOTTA, S.A., BANCO BPI, S.A., NOVO BANCO, S.A., BANKINTER, S.A. – SUCURSAL EM PORTUGAL, UNICRE – INSTITUIÇÃO FINANCEIRA DE CRÉDITO, S.A., MONTEPIO CRÉDITO – INSTITUIÇÃO FINANCEIRA DE CRÉDITO, S.A., BNP PARIBAS PERSONAL FINANCE, S.A. – SUCURSAL EM PORTUGAL.
Information verifiable at https://www.bportugal.pt.
Important: The insurance intermediary does not assume risk coverage, has no powers to enter into contracts on behalf of insurers, and is not authorized to receive premiums to be delivered to insurers.
This information does not replace the legally required pre-contractual and contractual information.
TEKSOMA provides:
All insurance and credit intermediation is performed by Carlos Manuel Soares under DS SEGUROS, including:
All quotes provided through our website are non-binding unless expressly stated otherwise. Final terms and premiums are determined by the relevant insurance company.
The client is obliged to:
Providing incorrect or incomplete information may lead to:
All content on the insuranceportugal.pt website, including but not limited to texts, images, logos, designs, and software, is protected by intellectual property rights and remains the property of TEKSOMA Holding Lda. or its licensors.
It is not permitted without prior written permission to:
TEKSOMA Holding Lda. strives to provide accurate and current information, but:
For mediation activities:
TEKSOMA Holding Lda. is not liable for failure to perform obligations due to circumstances beyond our reasonable control, including but not limited to natural disasters, war, terrorism, strikes, or technical failures.
The collection and processing of personal data is done in accordance with our Privacy Policy and applicable data protection legislation (GDPR and Portuguese Law No. 58/2019).
Data processing roles:
The website may only be used for legitimate purposes in accordance with these terms.
It is expressly prohibited to:
Insuranceportugal.pt uses cookies to improve website functionality and collect usage statistics. For more information, please refer to our Cookie Policy.
Our website may contain links to third-party websites. TEKSOMA Holding Lda. is not responsible for the content, privacy policy, or practices of these external websites.
For complaints about our services, you can contact us via:
We strive to handle complaints within 10 business days.
For disputes that cannot be resolved through mutual consultation, Portuguese law applies and Portuguese courts have jurisdiction.
TEKSOMA Holding Lda. reserves the right to modify these terms and conditions at any time. Changes take effect upon publication on the website. We recommend that you consult these terms regularly.
These terms remain in effect as long as you use our website and/or services.
Both parties can terminate the relationship at any time. Upon termination, ongoing insurance policies and obligations remain in effect according to the terms of the relevant insurance companies.
These terms and conditions constitute the complete agreement between you and TEKSOMA Holding Lda. regarding the use of the website and services.
If any provision of these terms is declared invalid or unenforceable, the remaining provisions remain fully in effect.
Failure to exercise or enforce any right or provision of these terms does not constitute a waiver of that right or provision.
TEKSOMA Holding Lda.
Trading as: insuranceportugal.pt (TΣKSOMA)
Address: Address:Cascalheira 539A, 8125-018 Quarteira, Algarve, Portugal
Contact:
Email: Email:info@verzekering.pt
Phone: Phone:+351 289 142 164
Website: www.insuranceportugal.pt
Last updated: January 2025