Privacy Policy

1. Introduction

Crescentia Wealth ("we," "our," or "us") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website wealth.crescentia.pt and use our IFICI tax optimization services.

This policy complies with the EU General Data Protection Regulation (GDPR) and Portuguese data protection laws.

2. Information We Collect

2.1 Personal Information

We may collect personal information that you voluntarily provide when requesting our services:

• Contact information: name, email, phone number
• Financial information: income details, asset information, investment portfolio
• Tax information: tax residency, citizenship, current tax status
• Professional background: employment status, industry, professional qualifications
• Cryptocurrency holdings: for tax optimization purposes (if applicable)

2.2 Automatically Collected Information

• Browser type and version
• IP address and location data
• Pages visited and time spent on site
• Device information

3. How We Use Your Information

We use collected information for:

• Providing IFICI tax optimization consulting services
• Analyzing your eligibility for tax benefits
• Processing consultation requests and bookings
• Communicating about your tax strategy and services
• Complying with legal and regulatory obligations
• Improving our website and services
• Sending newsletters and updates (with your consent)

4. Legal Basis for Processing

We process your personal data based on:

• Consent: when you subscribe to newsletters or accept cookies
• Contract execution: to provide requested services
• Legal obligation: to comply with tax and financial regulations
• Legitimate interests: to improve our services and communications

5. Data Sharing and Disclosure

We do not sell your personal data. We may share information with:

• Service providers (hosting, email services, analytics) bound by confidentiality agreements
• Portuguese tax authorities when legally required
• Legal advisors and accountants assisting with your case
• Law enforcement when required by law

6. Data Security

We implement appropriate technical and organizational security measures including encryption (SSL/TLS), secure servers, access controls, and regular security audits. However, no internet transmission is 100% secure, and we cannot guarantee absolute security.

7. Your Rights Under GDPR

You have the right to:

• Access: request copies of your personal data
• Rectification: correct inaccurate or incomplete data
• Erasure: request deletion of your data ("right to be forgotten")
• Restriction: limit how we process your data
• Portability: receive your data in a structured format
• Object: oppose processing of your data
• Withdraw consent: at any time, without affecting prior processing

To exercise these rights, contact us at info@crescentia.pt

8. Cookies

We use cookies to enhance your experience. Types of cookies we use:

• Essential cookies: required for basic website functionality
• Preference cookies: remember your settings (theme, language)
• Analytics cookies: help us understand how visitors use our site

You can manage cookie preferences through our consent banner or your browser settings.

9. Data Retention

We retain personal data only as long as necessary for the purposes described in this policy, or as required by law. Client consultation data is typically retained for 7 years to comply with Portuguese tax regulations. Newsletter data is kept until you unsubscribe.

10. International Data Transfers

Your data is primarily processed within the EU. If we transfer data outside the EU, we ensure appropriate safeguards are in place, such as Standard Contractual Clauses.

11. Children's Privacy

Our services are not directed to individuals under 18. We do not knowingly collect personal information from children.

12. Changes to This Policy

We may update this Privacy Policy periodically. The latest version will always be available on this page with the "Last updated" date at the top.

13. Contact Us

For questions about this Privacy Policy or to exercise your rights, contact us at:

You also have the right to lodge a complaint with the Portuguese Data Protection Authority (CNPD) if you believe your data protection rights have been violated.