This website is published by Sodefina S.A.
Sodefina S.A. is a public limited company (Sociedade Anónima) under Portuguese law, with a share capital of €124,000,000 fully subscribed and paid up, whose registered office is located at Rua Frederico George nº 39, 1600-468 Lisboa, registered under legal entity identification number (NIF / NIPC) 503533726. It specialises in consumer credit and is wholly owned (100%) within the Crédit Agricole Group and Banco Credibom, through the consumer credit division Crédit Agricole Personal Finance and Mobility. Established in Portugal, it carries out its activity under the supervision of the Bank of Portugal (Banco de Portugal), the supervisory authority of the Portuguese financial sector, whose head office is located at Rua do Comércio 148, 1100-150 Lisbon (www.bportugal.pt). Its Chairman is Diogo Silva Lopes Pereira, who also serves as publication director of this website.
All the content on this site (texts, images, graphics, logo, icons, sounds, software, etc.) constitutes works protected by copyright, the ownership of which is held exclusively by Sodefina S.A. or its partners. Any reproduction, representation, modification, publication, adaptation or exploitation, in whole or in part, of the site's content, by any means whatsoever, is strictly prohibited without the prior written authorisation of Sodefina S.A., including for purposes other than personal, non-commercial consultation. Any breach of these provisions may constitute infringement engaging the civil and criminal liability of its author. The Sodefina trademark, its logo and all associated acronyms, names and distinctive graphic elements are protected; any unauthorised reproduction, imitation or use of these elements, in whole or in part, is prohibited.
This site may contain links to third-party websites, provided for information purposes only: Sodefina has no control over their content and disclaims all responsibility for it. Setting up a link to this site requires prior authorisation via our contact form, and must not harm Sodefina's image or imply any partnership that has not been established.
The information published on this site is provided for information purposes only and does not constitute a contractual commitment on the part of Sodefina S.A. Despite all the care taken in drafting it, inaccuracies or omissions may remain; Sodefina reserves the right to correct them at any time and without notice. Sodefina cannot be held liable for any direct or indirect damage that may result from access to the site or the use of its content, in particular in the event of service interruption, computer virus or data alteration, nor for malfunctions resulting from an event of force majeure as defined by Portuguese and European case law, including failures of telecommunications networks beyond its control. This limitation does not exclude Sodefina's liability in cases where the law mandatorily requires it, in particular towards consumers.
In accordance with Portuguese Law No. 144/2015 on alternative dispute resolution for consumer disputes, any consumer client may, after exhausting internal remedies (written complaint sent to the Sodefina customer service), refer the matter free of charge to a competent alternative dispute resolution (ADR) entity in Portugal. The consumer may also register any complaint in the electronic Complaints Book set up by the Portuguese authorities, accessible at www.livroreclamacoes.pt.
This site is governed by Portuguese law. In the event of a dispute, the Portuguese courts shall have sole jurisdiction, subject to the mandatory provisions of consumer law applicable to consumers residing in another Member State of the European Union.
Company name: Sodefina S.A.
Legal form: Sociedade Anónima
NIPC: 503533726
Registered office: Rua Frederico George nº 39, 1600-468 Lisboa, Portugal
For any question relating to the content of this site, you may contact us via our contact form, by email at contact@sodefina.eu, or by post to the address of our registered office.
The sodefina.eu website is hosted on ISO 27001-certified infrastructure located exclusively within the European Union, guaranteeing compliance with GDPR requirements regarding the transfer of personal data.
Use of this site involves the placing of cookies on your device, under the conditions described on our cookies page.
Sodefina is committed to making its site accessible to as many people as possible; its compliance status is detailed in our accessibility statement.
Sodefina implements technical and organisational measures designed to guarantee the security and confidentiality of data transmitted on this site, detailed on our online security and fraud prevention pages.
Use of this site and of the client area is governed by our general terms of use, which set out the rules on access, account creation and liability applicable to users.
The fact that Sodefina does not avail itself of a clause at a given time does not amount to a waiver of its right to do so later.
In the event of a discrepancy between the language versions of this site, the Portuguese or French version shall prevail, depending on the language of the contract signed.
Computerised records kept under reasonable security conditions by Sodefina's IT systems serve as evidence of exchanges with its customers, in accordance with the applicable rules on electronic evidence. Sodefina may also be required to retain certain connection data (IP address, timestamp, pages consulted) for a limited period, for security purposes and to combat fraud, in compliance with the GDPR.
Sodefina S.A. has appointed a data protection officer responsible for ensuring that its processing activities comply with the GDPR; the details of your rights appear in our data policy. The supervisory authority responsible for data protection in Portugal is the Comissão Nacional de Proteção de Dados (CNPD), with whom you may lodge a complaint if you consider that the processing of your data does not comply with applicable regulations.
Sodefina reserves the right to amend this legal notice at any time, in particular to comply with regulatory changes; amendments take effect as soon as they are published, with the date of the last update appearing at the bottom of this page.
Who is responsible for the content of the site? Sodefina S.A., whose full contact details appear in §9 of this page.
How do I report incorrect content? Via our contact form, specifying the page concerned.
Does this legal notice apply to all languages of the site? Yes, to all language versions of sodefina.eu.
Can I get a paper copy of this notice? Yes, simply ask our customer service.
Where can I find our credit rates and terms? On our legal information page.
This page was last updated in June 2026.
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