1. Website operator
This website is operated under the Algarmor brand by:

• Firebird, Lda.
• NIPC: 514 541 415
• Registered office: Rua Francisco Lyon de Castro 2, 1600-311 Lisboa, Portugal
• Real Estate Licence: AMI 21224
• Credit Intermediary Registration: 0006998
• Email: joaopedrorodrigues@ds360-entrecampos.com

These Terms & Conditions govern access to and use of this website.

2. Purpose of the website
This website provides information relating to:

• purchasing property in Portugal;
• buyer representation;
• mortgage financing and credit intermediation;
• property search and purchase coordination;
• related guides and educational information.
• The information provided on this website is intended primarily for general informational purposes.

3. No personalised professional advice
Although we aim to provide accurate and useful information, property, mortgage, tax, legal and regulatory matters may depend on individual circumstances and may change over time.

Website content should therefore not be considered personalised:

• legal advice;
• tax advice;
• financial advice;
• technical advice.
• Where appropriate, independent professional advice should be obtained.

4. Mortgage assessments and financing information
Any mortgage assessment, borrowing indication, financing estimate or mortgage-related information provided through or following use of this website is preliminary and indicative only.

Mortgage availability may depend on factors including:

• applicant income and financial circumstances;
• existing commitments;
• age and employment status;
• residency;
• property characteristics;
• bank lending criteria;
• valuation;
• applicable loan-to-value limits;
• final credit approval.

Submitting a Mortgage Assessment does not constitute:

• a formal mortgage application;
• an offer of credit;
• approval of financing;
• a guarantee of a particular loan amount;
• a guarantee of any specific rate or lending conditions.
• Final credit decisions are made by the relevant credit institution.

5. Credit intermediation
Credit intermediation services are provided within the applicable Portuguese regulatory framework.

Firebird, Lda. is registered as a Credit Intermediary under registration number 0006998.

Where applicable, the regulatory information and disclosures required for a specific credit-intermediation service will be provided separately.

6. Buyer representation
Information submitted through a Purchase Assessment allows us to understand your requirements and determine whether we may be able to assist you.

Submitting an enquiry or assessment does not, by itself, create a buyer-representation agreement or other contractual relationship.

Where buyer representation services are agreed, the scope of services, responsibilities, fees and contractual conditions will be governed by a separate written agreement.

7. Property information
Property information may originate from sellers, estate agents, property portals, developers or other third parties.

We cannot guarantee that third-party property information is always:

• complete;
• accurate;
• current;
• free from errors.
• Prices, availability, measurements, descriptions and property characteristics may change without notice.

Appropriate legal, technical and financial due diligence should be carried out before entering into a binding property transaction.

8. Third-party professionals
During a property purchase, we may introduce or coordinate with independent professionals including:

• lawyers;
• solicitors;
• notaries;
• architects;
• engineers;
• surveyors;
• credit institutions;
• insurance providers;
• real estate agents;
• other specialist advisers.
• Unless expressly stated otherwise, these professionals provide their services independently and remain responsible for their own advice, actions and professional obligations.

9. Third-party websites and services
This website may contain links to third-party websites, property portals, banks or other external services.

Firebird, Lda. is not responsible for the content, availability, privacy practices, security or accuracy of third-party websites.

10. Buyer’s Guide and downloadable materials
Guides, checklists and other downloadable resources provided by Algarmor are intended for general educational and informational purposes.

They do not replace professional advice relating to a specific transaction or individual circumstances.

Information may also become outdated as legislation, taxation, banking criteria or market conditions change.

11. Intellectual property
Unless otherwise stated, website content, including:

• text;
• graphics;
• branding;
• guides;
• layouts;
• photographs;
• downloadable materials;
• is owned by or licensed to Firebird, Lda.

Content may not be reproduced, distributed, republished or commercially exploited without prior written permission, except where permitted by law.

12. Acceptable use
You must not use this website:

• for unlawful or fraudulent purposes;
• to interfere with its operation or security;
• to introduce malicious software;
• to attempt unauthorised access to systems or data;
• to misuse forms, content or communication channels.
• 13. Limitation of liability
• To the extent permitted by law, Firebird, Lda. will not be responsible for losses arising solely from reliance on general website content or third-party information.

Nothing in these Terms excludes or limits liability where exclusion or limitation is prohibited by applicable law.

14. Website availability
We do not guarantee uninterrupted or error-free access to the website.

We may modify, update, suspend or remove website functionality or content without prior notice.

15. Privacy
Personal data submitted through this website is processed in accordance with our Privacy Policy.

16. Governing law
These Terms & Conditions are governed by Portuguese law.

Any mandatory rights available to consumers under Portuguese or European Union legislation remain unaffected.

17. Changes to these Terms
We may update these Terms & Conditions when necessary.

The version published on the website at the relevant time will apply.