1. Exato - Consultoria & Mediação de Seguros, Lda. (“Exato Seguros”), with registered office at Rua do Proletariado, N.º 2-A, 2794-063, Carnaxide, registered at the Commercial Registry Office under the single registration and legal person number 514 960 558, telephone number: +351 212 461 157, contact e-mail geral@exatoseguros.pt and with the following web address: www.exatoseguros.pt.

2. Exato Seguros has been registered with the ASF - Autoridade de Supervisão de Seguros e Fundos de Pensões (Insurance and Pension Funds Supervisory Authority) since 14.12.2018, as an Insurance Agent, under No. 418467900, with authorisation to carry out insurance distribution activities in the Life and Non-Life sectors, information which can be checked and confirmed at www.asf.com.pt.

3. Exato Seguros does not hold any qualifying holdings in insurance companies.
4. There is no qualifying holding in the share capital of Exato Seguros held by an insurance company or by the parent company of an insurance company.

5. Exato Seguros is authorised to receive premiums for delivery to the insurance company and, in general, is authorised to take out insurance in the name and on behalf of insurance companies, but it never proposes or assumes risk cover in its own name, which is the exclusive responsibility of insurance companies under the terms of the applicable legislation.

6. Exato Seguros' intervention does not end with the conclusion of the insurance contract, but involves the provision of assistance throughout its term.

7. Exato Seguros' remuneration for the services provided, unless expressly agreed otherwise, is in the form of commission paid by the Insurers, and information on this is provided on request.

8. Exato Seguros' remuneration for its insurance distribution activity may consist of:
a. Direct payment by the client as a fee
b. Part of the insurance premium as commission
c. Other types of remuneration, including any economic advantage granted in connection with the insurance contract
d. Combination of any of the types of remuneration specified in the previous sub-paragraphs

9. If the client has to pay a fee, the amount of the fee and/or the method of calculating the fee will be communicated to the client in advance.

10. The client has the right to request information on the nature, form and amount of the remuneration to be received by Exato Seguros for the provision of the insurance distribution service, which will be provided upon request to the respective account manager.

11. If the client has to make payments under the insurance contract after it has been concluded, other than regular premiums and scheduled payments, the nature and amount of each of these payments will be communicated to him/her in advance.

12. Exato Seguros makes its Personal Data Processing and Complaints Management Policy available at www.exatoseguros.pt.

13. Without prejudice to recourse to judicial and extrajudicial dispute resolution mechanisms (namely CIMPAS - Centre for Information, Mediation and Insurance Ombudsman), policyholders or other interested parties have the right to lodge complaints with the Insurance and Pension Funds Supervisory Authority (ASF), in the Complaints Book at www.exatoseguros.pt or via e-mail at geral@exatoseguros.pt.

14. If several insurance intermediaries or an insurance intermediary in an ancillary capacity and one or more insurance intermediaries are involved in the same insurance contract, they are all jointly and severally liable to the insured, the policyholders and the insurance companies for the acts of distribution carried out.

15. Exato Seguros never puts the interests of any insurance company above those of its clients.

16. Exato Seguros provides advice based on an impartial analysis of a sufficiently large and diverse number of insurance contracts available on the market, enabling it to make a recommendation, in accordance with professional criteria, as to the insurance contract best suited to the client's needs.

17. The client assumes full responsibility for the solution chosen with regard to cover, exclusions, deductibles and capital when different from that advised by the mediator.

18. Exato Seguros carries on its business independently of insurance companies and is not contractually obliged to carry on insurance distribution business exclusively for one or more insurance companies.

19. Exato Seguros will inform the client in advance of the names of the insurance companies with which it works and which are relevant to the requirements and needs presented by the client, namely by making this information available at www.exatoseguros.pt.

20. Exato Seguros does not assume, under legal terms, the coverage of the risks, which are exclusively guaranteed by the respective insurance companies.

21. It is the client's responsibility to provide accurate and complete information, as well as the correct answer to the questions asked in the insurance proposal, the absence or inaccuracy of which may invalidate all or part of the risk cover or prevent Exato Seguros from advising the most appropriate product.

22. Without prejudice to the fulfilment of the information obligations to be provided by Exato Seguros, the client must carefully read all the conditions of the insurance contract he/she enters into.

Carnaxide, 14th December 2020