# Terms of use — qualcredito, Portugal mortgages

> The conditions qualcredito.com is offered on: a free calculator, with no warranty, that is neither financial advice nor credit intermediation.

URL: https://qualcredito.com/en/terms

qualcredito.com is free and open to anyone. These terms say on what conditions: what the tool is, what it is not, and how far the responsibility of the person who makes it goes. By using it, you accept them.

## What the tool is

A calculator. It reads the FINE you upload, applies the scenario you describe and does the sums. The results are estimates, to help you compare offers — not an offer, a binding quote or a guarantee of terms.

It is not financial, legal or tax advice, and it is not a credit intermediation or advisory service within the meaning of Portuguese Decree-Law 81-C/2017. The author is not a bank, is not registered with the Banco de Portugal for those purposes, takes no commission from banks and recommends no particular loan.

## No warranty

The tool is provided as is, without warranty of any kind. The figures depend on what was read from each PDF — automatic reading can fail or read a field wrong —, on the assumptions chosen, and on rates, taxes, insurance premiums and Euribor values that change and may be out of date. There is no guarantee that the sums are right, complete or current, nor that the site is always available.

Always check the figures with the bank and in the documents the bank issues and signs. Those, not this page, are what count.

## Limitation of liability

To the fullest extent the law allows, the author is not liable for any loss or damage — direct or indirect, including financial loss, missed opportunities or the cost of a loan — arising from using the tool, relying on its results, errors or omissions in the sums, or being unable to use it. Decisions made from here belong to whoever makes them.

Nothing in these terms excludes or limits liability that the law does not allow to be excluded, in particular for wilful misconduct or gross negligence, nor the rights the law gives consumers.

## Your part

Use the tool to compare mortgage offers, for yourself or for someone who asked you to. Only upload documents you are entitled to use. Do not try to overload the site, get around its limits, use assisted reading in an automated way or for anything other than reading a FINE, or use the site for anything unlawful.

## Banks and third parties

Bank names that appear on the site belong to their owners and are used only to say where each offer comes from. The site has no connection to those banks, and is not endorsed or sponsored by them. Links to third-party sites are given for convenience; the author is not responsible for their content.

## Changes and availability

The tool may change, be suspended or stop existing at any time, without notice. These terms may change too; the version in force is always the one on this page, and using the site after a change means accepting it.

## Governing law

These terms are governed by Portuguese law. If a clause is held invalid, the rest stand. For any question, use the contact page; without prejudice to mandatory consumer protection rules, disputes are subject to the Portuguese courts.

The site’s text, design and code are Cláudia Ribeiro’s. Last updated: 1 October 2026.

## Pages

- [Portugal mortgage comparison — qualcredito](https://qualcredito.com/en)
- [Your offers — qualcredito, Portugal mortgages](https://qualcredito.com/en/proposals)
- [Example comparison — qualcredito, Portugal mortgages](https://qualcredito.com/en/example)
- [Portugal mortgage glossary — qualcredito](https://qualcredito.com/en/glossary)
- [About — qualcredito, Portugal mortgages](https://qualcredito.com/en/about)
- [Contact — qualcredito, Portugal mortgages](https://qualcredito.com/en/contact)
- [Privacy — qualcredito, Portugal mortgages](https://qualcredito.com/en/privacy)
- [Terms of use — qualcredito, Portugal mortgages](https://qualcredito.com/en/terms)

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This is not financial advice. The figures are estimates and depend on what was read from each PDF, on the assumptions chosen and on rates that change.