Terms and Conditions

Poupamos Juntos, Lda. is a group of companies, which include Doutor Finanças, Unipessoal Lda, credit intermediary and Doutor Finanças Protege - Insurance Mediation, Unipessoal Lda, Doutor Finanças Energia- Consulting in Energy Efficiency Unipessoal Lda and Doutor Finanças Empresas .  In this document, the expressions "Doutor Finanças", "we", "our" are used to represent all companies of the Group. DOUTOR FINANÇAS operates throughout the value chain in the area (i) financial, (ii) insurance, (iii) telecommunications, (iv) health plans (v) energy and electricity, (vi) real estate mediation, to support its clients in the commercialization of real estate for the strict purpose of generating savings to its customers.

This www.doutorfinancas.pt Website  (hereinafter "the Website") was created, owned and operated and maintained by "DOUTOR FINANÇAS, UNIPESSOAL LDA" (hereinafter referred to as "DOUTOR FINANÇAS"), based in Atlas Building II, Floor 1, S11, Av. José Gomes Ferreira 11, 1495-139 Algés.

DOUTOR FINANÇAS may at any time and in accordance with its will, change, add or delete any of the Terms and Conditions by updating the content of this page.

We recommend that you periodically visit the page to see if any updates have been made.

DOUTOR FINANÇAS may discontinue at any time, according to its will, the website without notice.

The text files, images, graphics, sounds and animation, and all other information and the way in which they are graphically represented on the website, as well as the layout and structure of the site, are all subject to the copyright of DOUTOR FINANÇAS.

Neither the Website nor part of the website, may be copied or distributed, nor may the Website or part of the Website be modified or placed on other sites without prior written permission from DOUTOR FINANÇAS.

Also, there may not be changes to the content of the website, whatever they may be, and copyright and property notices must be maintained as they are.


All trademarks, service marks and trade names presented on the Website are protected by the trademark rights of DOUTOR FINANÇAS. This applies especially to the symbols and logos of DOUTOR FINANÇAS.

This Website as well as any and all material on the site does not grant, nor can it be interpreted as granting, permission to third parties, to use, copy or benefit, directly or indirectly, from the intellectual property rights of DOUTOR FINANÇAS.


The information on this website is provided by DOUTOR FINANÇAS, for information purposes, and to the fullest extent permitted by applicable law and is provided, without any warranty, express or implied.

However, and although the information, functions and applications contained in this website, have been thoroughly analyzed and are considered correct, there may include errors or inaccuracies, so DOUTOR FINANÇAS is not responsible for any irregularities, errors or discontinuity of the website or that they are appropriate and/or are available for use elsewhere.

Thus, DOUTOR FINANÇAS does not guarantee that the server and/or website does not contain viruses or other harmful components.


DOUTOR FINANÇAS disclaims any responsibility for errors that may occur due to system irregularities, failure (temporary or permanent) of the website, applications or other tools. To the fullest extent possible under applicable law, DOUTOR FINANÇAS shall not be liable for any damages resulting from the use, or impossibility of use, of the Website.


This website uses cookies in order to provide correct use of the website. Third parties are not obliged to accept cookies, however, if they do not accept them, the website may not function properly.

DOUTOR FINANÇAS may provide links to third-party pages. These sites do not belong to or are operated or controlled by DOUTOR FINANÇAS and, for this reason, DOUTOR FINANÇAS is not responsible for such sites, nor for their content. The use of these links is at the risk of third-party users. DOUTOR FINANÇAS does not authorize third parties to link the website to its website or any website without the prior written permission of DOUTOR FINANÇAS.


If you have any questions about these terms and conditions, you can send it to the address mentioned above or send an email message to info@doutorfinancas.pt
Write, for reference, "Question on the DOUTOR FINANÇAS Website".

Breakout clause

If any part or provision of these Terms and Conditions is not enforceable or conflicts with the applicable law of any jurisdiction, the validity of the remaining parties or provisions shall not be affected.

Applicable law

These Terms and Conditions are governed by and drafted in accordance with Portuguese laws.

Competent forum

To resolve all issues and disputes that may arise, inherent to these terms and conditions, will be the exclusive competence of the jurisdiction of the District of Lisbon, Portugal.

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