Your data. Clear information.

Data controller

EG CREDIT SOLUTIONS - Intermediários de Crédito Unipessoal, Lda, owner of the Lumina Crédito brand.

For questions about your data, write to eduardo.graca@luminacredito.com.

Registered office: Rua Principal, 188, Tires, 2785-249 São Domingos de Rana, Portugal.

Tax number (NIPC): 519 238 680.

Data collected in the contact request

We collect your name, email, mobile number, the service you need and your consent. The amount you want to borrow is optional, as is the indication that you would rather be contacted by a person than by an automated assistant. The request is identified as coming from the website.

You can also include an optional message. If you request a review from the simulator, the figures are filled in that message, which you can check and edit before sending.

The form does not ask for bank documents, health data, passwords or card details.

Purpose and consent

The data is used to answer your request, contact you about the service you chose and prepare the review of your credit request. We may contact you by phone, including a call from a virtual assistant, and by WhatsApp, SMS or email. Sending the form requires you to tick the consent for this processing. The box is not pre-ticked.

This form does not include any subscription to marketing communications. The review and the contracting of services may require additional information, which will be explained in the course of the process.

Call from the virtual assistant

After your request, you may receive a call from a Lumina Crédito virtual assistant: an automated voice system that introduces itself as a virtual assistant at the start of the call. The assistant speaks Portuguese.

The call is recorded and transcribed, and you are told so at the start. The assistant asks about the purpose of your request and some details of your situation, such as approximate amounts, age, employment status and income, to prepare the contact from a specialist.

The assistant does not decide on credit. The review, the offers and any decision always rest with people at Lumina Crédito and with the financial institutions.

If you would rather not talk to the assistant, tick that option in the form. During the call, you can also ask to speak to a person or not to be contacted again.

Transmission and recipients

The request is received by the website’s server and forwarded to Lumina Crédito’s contact management system. A success message is shown when that system accepts the request.

If sending is unavailable or receipt cannot be confirmed, the website shows other ways to contact us.

The contact management system is provided by a provider that processes the data on behalf of Lumina Crédito, as a processor. That provider uses other providers for hosting and database, with the data hosted in the European Union, for sending WhatsApp, SMS and email messages, telephony, virtual assistant calls with recording and transcription, and language models. You can request the full list at eduardo.graca@luminacredito.com.

Some of these providers are established outside the European Economic Area, namely in the United States of America. In those cases, the transfer is based on appropriate safeguards under Chapter V of the GDPR.

Data retention

Data is kept only for as long as needed for the purpose for which it was collected:

• contact requests that do not lead to a credit case: up to 12 months after the last contact;
• recordings, transcripts and summaries of virtual assistant calls: up to 12 months;
• credit cases and documents provided: while the case is followed and, afterwards, for the legal periods that apply to credit intermediation;
• proof of consent and signed information documents: for as long as needed to show that the processing was authorised;
• technical operating and security logs: up to 12 months.

At the end of these periods, the data is deleted or anonymised.

Savings simulator

The calculation is done in your browser, without sending the figures to the server. When you choose to request a review, a draft is created in your browser’s session storage to fill in the form. That draft is removed from storage when the form reads it, or when you close the tab. The figures are only sent when you submit the form with your consent.

Requests about your data

You can contact eduardo.graca@luminacredito.com to request access, rectification, erasure, restriction or portability of your data, to object or to withdraw your consent. Each request will be assessed in the context of the processing concerned.

Withdrawing consent does not affect processing carried out before, based on that consent. You can lodge a complaint with the Portuguese Data Protection Authority (Comissão Nacional de Proteção de Dados).

Cookies and external services

This website does not include advertising tools, visitor analytics or embedded external content. The form does not use cookies to store the fields. Fonts and images are served by the website itself.

When you follow a link to an external website, the privacy information of that service applies.