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Cookie Policy

This Cookies Policy explains how VANTAGEM LOUVÁVEL – UNIPERSSOAL LDA uses cookies and similar technologies. Whenever you use Vl-consultoria’s websites, products, advertising services or other technologies (“Services”), or visit a website, app or service which uses our Services, information may be collected through the use of cookies and similar technologies. Vl-consultoria is committed to protecting the personal information collected when you use our Services.

  -Cookie: small amount of data generated by a website and saved by your web browser. It is used to identify your browser, provide analytics, and remember information about you such as your language preference or login information.

  -Company: when this policy mentions “Company,” “we,” “us,” or “our,” it refers to VANTAGEM LOUVÁVEL – UNIPERSSOAL LDA (Rua da Alfândega 10, Funchal, 9000-059, Madeira Island, Portugal), that is responsible for your information under this Cookie Policy.

  -Device: any internet connected device such as a phone, tablet, computer or any other device that can be used to visit Vl-consultoria and use the services.

  -Personal Data: any information that directly, indirectly, or in connection with other information — including a personal identification number — allows for the identification or identifiability of a natural person.

  -Service: refers to the service provided by Vl-consultoria as described in the relative terms (if available) and on this platform.

  -Third-party service: refers to advertisers, contest sponsors, promotional and marketing partners, and others who provide our content or whose products or services we think may interest you.

  -Website: VANTAGEM LOUVÁVEL – UNIPERSSOAL LDA’s site, which can be accessed via this URL: https://vl-consultoria.com/

  -You: a person or entity that is registered with VANTAGEM LOUVÁVEL – UNIPERSSOAL LDA to use the Services.

This Cookies Policy provides the following information for users:

What are cookies and similar technologies?

A cookie is a small data file, often including a unique identifier, which is sent to your computer, mobile phone or tablet device (referred to in this policy as a “device”) by the web server so the website can remember some information about your browsing activity on the website. The cookie will collect information relating to your use of our Services, information about your device, e.g. the device’s IP address and browser type, broad location and, if you arrived at our site via a link from a third party site, the URL of the linking page. If you have registered for any Services or you are a subscriber, it may also collect your name and email address, which may be transferred to data processors for registered user or subscriber verification purposes.

Similar technologies known as “local storage” may also be used in our Services as an alternative to cookies. This is technology which is similar to cookies and performs very similar functions, such as caching data to enable us to improve our Services, allowing you to register for our Services, tracking activity to enable us and our advertisers to advertise to you in accordance with this policy and counting the number of people who view adverts on our Services. When we refer to “cookies” in this policy, we mean cookies or similar technologies.

Cookies record information about your online preferences and help us to tailor our Services to your interests. Information provided by cookies can help us to analyse your use of our Services and help us to provide you with a better user experience.

In addition to cookies, our Services may also use web beacons, clear GIFs, page tags and web bugs. These are all types of technology implemented by websites or third party ad servers to allow them to analyze your website use and help improve your experience of the Services.

What are the different types of cookies?

  • Session cookies are only stored for the duration of your visit to a website and are deleted from your device when you close your browser;
  • Persistent cookies are saved on your device for a set period of time after the browser has closed and are used where we (or a third party) need to identify you for a later browsing session.

We use the following types of cookies in our website: Essential Cookies, Performance and Functionality Cookies, Analytics and Customization Cookies and Third Party Cookies.

What are cookies used for?

1. Essential Cookies

We use essential cookies to make our website work. These cookies are strictly necessary to enable core functionality such as security, network management, your cookie preferences and accessibility. Without them you wouldn’t be able to use basic services. You may disable these by changing your browser settings, but this may affect how the Websites function.

2. Functional Cookies

Functional cookies are essential to the running of our Services. They are used to remember your preferences on our websites and to provide enhanced, more personal features. The information collected by these cookies is usually anonymised, so we cannot identify you personally. Functional cookies do not track your internet usage or gather information which could be used for selling advertising, but they do help with serving advertising. These cookies are usually session cookies which will expire when you close your browsing session.

3. Analytical Performance and Measurement Cookies

Analytical performance cookies are used to monitor the performance of our Services, for example, to determine the number of page views and the number of unique users a website has. Web analytics services may be designed and operated by third parties. The information provided by these cookies allows us to analyze patterns of user behavior and we use that information to enhance user experience or identify areas of the website which may require maintenance. The information is anonymous (i.e. it cannot be used to identify you and does not contain personal information such as your name and email address) and it is only used for statistical purposes.

4. Third Party Cookies

Some cookies that have been set on our website are not set on a first party basis by Vl-consultoria. The Websites can be embedded with content from third parties to serve advertising. These third party service providers may set their own cookies on your web browser. Third party service providers control many of the performance and functionality, advertising, marketing and analytics cookies described above. We do not control the use of these third party cookies as cookies can only be accessed by the third party that originally set them.

How can users manage cookies?

Some people find the idea of a website storing information on their device a little intrusive, in particular when the information is stored and used by a third party. For example, you may object to being served advertising which is targeted to your interests based on your browsing history.

Cookies, including those which have already been set, can be deleted from your hard drive. Please see below for more information.

  -Google Chrome

  -Internet Explorer

  -Mozilla Firefox

  -Safari (Desktop)

  -Safari (Mobile)

  -Android Browser

  -Opera

  -Opera Mobile

Changes To Our Cookie Policy

We may change our Service and policies, and we may need to make changes to this Cookie Policy so that they accurately reflect our Service and policies. Unless otherwise required by law, we will notify you (for example, through our Service) before we make changes to this Cookie Policy and give you an opportunity to review them before they go into effect. Then, if you continue to use the Service, you will be bound by the updated Cookie Policy. If you do not want to agree to this or any updated Cookie Policy, you can delete your account.

Contact Us:

If you have additional questions or require more information about our Privacy Policy, do not hesitate to contact us.

 -Via Email:  info@vl-consultoria.com

– Phone: +351 920070541

 -Via this Link:  https://vl-consultoria.com/index.php/contact-us/

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Tax Risk Consulting

Tax advice from our experts allows you to develop a legal way to reduce taxes and risks based on using the possibilities of tax legislation, depending on the types of activities of the enterprise and business schemes.
Our specialists analyze and check the actions of the taxation system, develop a model for paying taxes, and assess possible tax consequences to minimize the client’s tax risks.

Administration and support of valid insurance contracts

Administration and maintenance of an insurance contract allow you to free the client from technical functions and thereby avoid possible risks when drawing up a contract with an insurance company.

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    Selection of an insurance company

    Our experts will help you choose the best insurance company taked into account to your criteria and requirements.
    The selection of an insurance company is a rather broad concept that requires special attention. Indeed, in order to determine the reliability of the company, our specialists study in detail its financial indicators (the size of the authorized capital, the volume of insurance reserves, the level of payments, etc.), the origin, feedback on the company’s work, assess the portfolio of insurance services and much more. After that, our specialists draw conclusions, ratings depending on the indicators and requirements of the client, the insurance sector, the type of insurance services, etc., and provide the client with the best and most profitable option based on his needs and wishes.

    Audit of risks of an insurance contract

    An audit of insurance contracts is necessary as it must comply with the rules and requirements of the law.
    On the basis of the insurance contract and legislative acts, our specialist checks the correctness of the legal registration of insurance contracts.
    We examine in detail the content of the insurance contract and for the presence of essential conditions, we check for cases of long-term termination, renegotiation of insurance contracts, cases of invalidity of insurance transactions, etc.
    Our task is to determine the compliance of the concluded contract with the client’s requirements, the correspondence of the names of the contracts to their types listed in the annex to the license, to compare the insurance conditions stipulated in the contract in order to obtain the required conditions by the client and to avoid losses to the client.

    Solutions to optimize the current contract

    We analyze the entire list of services of your package, which is provided by the insurance company. We investigate the possible risks, costs, as well as study what opportunities the company has with which the contract is concluded. Based on this data, we select the most suitable conditions for your insurance, taking into account your goals, needs and budget.

    Selection of the optimal property / health insurance

    At this stage, we help you to carry out the most beneficial insurance for your property or health. In order to competently and profitably determine insurance for you, taking into account your requirements, we study the terms, insurance premiums and conditions of payments of various insurance companies, the quality of the insurance product, the coverage of insured events, taking into account the desired risks, guarantees of insurance payments, etc.
    We own not only public but insider information about various insurance companies, we are guided in all insurance programs, we also have ratings of the reliability of insurance companies, therefore, we can provide you with complete and most important objective information so that you can carry out profitable for yourself and the right choice of the insurance company.

    Optimization of insurance costs

    Our experts conduct a detailed analysis of the costs of insuring the client, analyze possible risks and material consequences.
    The purpose of this service is to protect the client from uncertain losses by paying a specific price for insuring risks, the occurrence of which is likely and may have material consequences.
    We assess risks from both the short-term and long-term perspectives.

    Assistance in claims settlement

    Our experts have many years of experience in claims settlement. The complex of work with claims includes: advice on prevention of losses, recommendations to the insured to protect his interests, interaction of the parties in the event of an insured event in accordance with the previously developed regulations.
    The key to effective work on claims settlement is a thorough preliminary analysis of the insured event.

    Assistance in the preparation of claims

    Unfortunately, in practice, it is not uncommon for an insurance company to fail to fulfil its obligations under an insurance contract. In such cases, our specialists draw up step-by-step instructions for solving clients’ issues. Our specialists have practical experience in drawing up claims against insurance companies, in which we indicate all the illegal actions of employees of the insurance company in order to resolve the problem peacefully.

    Consulting on insurance legislation

    Our experts have a wide range of expertise in the field of insurance law. We have helped many people get the compensation they are entitled to.
    We are familiar with issues related to compensation risks and insurance consulting. We are ready to provide you with any legal services related to insurance legislation.

    Explanations of the provisions of the Terms and Conditions of insurance contracts

    We analyze the insurance contract and explain to our client the conditions stipulated in the insurance contract, provide clarifications on the payment of insurance compensation in accordance with the terms of the contract in order to exclude possible risks and losses on the part of the client.

    Analysis of the current insurance portfolio

    The insurance portfolio determines the number of insured objects, the number of insurance contracts and the amount of the total insured amount, it characterizes the obligations of the insurer to the policyholders.
    The insurance portfolio is the subject of analysis by our experts in order to identify and avoid the risks and financial stability of the insurer.
    We analyze the insurance portfolio in stages, taking into account the indicators of profitability based on such indicators: the level of insurance payments, expenses, profitability, profitability by type of insurance services, in general for the insurance portfolio.

    International taxation

    Our experts analyze and optimize the tax implications of personal income tax in the context of international taxation.
    We advise and support clients on international tax issues, support on the transparency of international transactions, interpret and apply double tax treaties, tax diagnostics of the current structure / model to identify potential risks and develop a basic approach to the changing tax environment, etc.

    Provision of up-to-date information on insurance packages in the service market

    Our experts conduct a market survey of insurance companies to provide the most relevant information to the client. Today the market is equipped with insurance companies, and the most important thing is not to make a mistake in choosing, having analyzed in detail all the advantages and possible disadvantages in order to select the most profitable option for the client.
    We own not only public but also insider information about various insurance companies, we are guided by all insurance programs, we also have ratings of the reliability of insurance companies, so we can provide you with the complete and most important objective information so that you can profitably and correctly choosing an insurance company.

    Tax planning

    Our specialists carry out a set of legal actions of the taxpayer aimed at the maximum achievable reduction in the amount of taxes, duties, fees and other mandatory payments paid to the state.
    Tax planning can help you keep costs down while taking into account all changes in tax legislation. Our experts have experience and high professionalism in the field of tax minimization, therefore they will be able to carry out a tax audit in a guaranteed and competent manner, provide all the necessary advice and recommendations to minimize taxes and fees.

    Consulting on tax law issues

    If you want to assess the risks of economic activity, but are not sure of the correctness of actions or want to assess the situation as competently as possible from the point of view of tax legislation, then the best solution would be to contact us.
    Our specialists provide advice in the field of taxation, having the appropriate education and experience in the application of legislation.
    Tax legislation is multifaceted, it implies many nuances, therefore it is better to entrust this work to professionals. As a result, our experts will provide you with a solution to achieve your goal, while minimizing tax risks.

    Declaration of income

    A declaration of income is an official document in which an individual indicates the amount of income received in the reporting period and taxes withheld from it, as well as income from investment activities and other income of which tax is not withheld upon payment.
    In the declaration, you must also indicate information about your own immovable (movable) property and property provided for rent. It is better to entrust the preparation of the declaration to our professionals with knowledge and experience. We will be able to prepare a competently drawn up income statement for an individual at a professional level.

    Consulting on tax law issues outside the country

    Tax legislation provides one of the most dynamic branches of law, which requires taxpayers to constantly concentrate taxes. If we are talking about tax legislation outside the country, then it will be much more difficult without the help of a specialist.
    Our experts constantly monitor changes in tax codes of different countries, how this or that norm will be interpreted and applied by tax authorities in practice. The taxation system requires thorough knowledge and daily monitoring of changes and updates.
    Turning to our specialists for help in tax legislation outside your country, you will receive a highly qualified answer in terms of the theory of legislation and judicial practice.

    Optimization of tax charges

    Tax optimization is at the heart of tax planning. These are organizational measures that are carried out within the framework of the current legislation. Optimization of taxation involves minimizing tax payments (in the long and short term), as well as avoiding fines from the fiscal authorities.
    This is achieved through the correct calculation and timely payment of taxes.
    To achieve a result, our specialists check taxation schemes, eliminate system errors in tax accounting and ensure the required quality of documents, carry out legal tax minimization, assess risks when applying optimization schemes, etc.

    Pre-trial and judicial settlement of tax disputes

    Unstable tax legislation creates an unreasonably large number of disputes between the taxpayer and the tax authorities. Often, tax legislation changes rapidly and the client does not always understand whether the requirements and actions of the tax authorities are legitimate, whether they need to be fulfilled, or there is still an opportunity to defend their rights.
    Our expert is the person who knows exactly what rights and obligations the taxpayer, tax and law enforcement agencies have. He examines the relationship of the taxpayer with the tax authority in the context of the ratio of their mutual rights and obligations, is able to find a balance between them in a timely manner, avoiding unreasonable pressure on the client. The task of our specialist is to settle a tax dispute, help in making a decision and minimize risks for you.

    Preparation and submission of tax returns

    Preparation and submission of tax returns are some of the most difficult procedures. Filling out the report by individuals is based on information on income. Even the slightest mistake entails serious consequences – from invalidation of information and fines, criminal liability in case of knowingly submitting false information.
    Our experts provide professional services for the preparation and filing of tax returns in a short time.
    We take into account many nuances – tax regime, taxation system and other parameters. The help of experienced specialists will allow you to avoid mistakes and return documents from regulatory authorities.

    Settlement of tax disputes

    We are convinced that tax disputes can be effectively resolved.
    Despite the tax dispute, the relationship with the tax authorities must always remain professional. Our approach to resolving tax disputes is based on the unique experience of our tax team members who have handled numerous complex tax cases for our clients.
    Our specialists draw up objections to tax audit acts, and the act will provide you with full tax and legal support during the procedure.

    Refund from the budget of overpaid/collected amounts of taxes

    Many of us, at least once in our lives, have faced situations when, through our own inattention or by coincidence of other circumstances, they mistakenly paid money to the state budget or paid them in the wrong amount. It could be like state fees for the provision of any services by government agencies, fines or simple payment of utilities.
    The return of erroneous or overpaid monetary obligations is possible and our specialists will help you with this. To do this, we create and submit a correctly drawn up application for an erroneous and / or overpaid amount in which we provide overview information for the successful implementation of the procedure.

    Value added tax refund

    In all EU countries, people can return the value added tax on goods and services paid abroad.
    We take care of all the processing of the VAT refund you paid, automate the entire process and carry out the full registration of all bureaucratic formalities.

    Analysis of the contract form

    Legal analysis of the insurance contract. A qualified audit of the insurance contract and insurance rules with an indication of the “pitfalls” and a detailed explanation of all the points will help you avoid mistakes when concluding an insurance contract. We are an independent organization, and we will help protect your interests when concluding an insurance contract.