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Privacy Policy

At Vl-consultoria, accessible from https://www.Vl-consultoria.com/, one of our main priorities is the privacy of our visitors. This Privacy Policy document contains types of information that is collected and recorded by Vl-consultoria and how we use it.

This Privacy Policy applies only to our online activities and is valid for visitors to our website with regards to the information that they shared and/or collected in Vl-consultoria. This policy is not applicable to any information collected offline or via channels other than this website.

Consent

By using our website, you hereby consent to our Privacy Policy and agree to its terms.

Definitions and key terms

To help explain things as clearly as possible in this Privacy Policy, every time any of these terms are referenced, are strictly defined as:

  -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 Privacy Policy.

  -Country: where Vl-consultoria or the owners/founders of Vl-consultoria are based, in this case is Portugal

  -Customer: refers to the company, organization or person that signs up to use the Vl-consultoria Service to manage the relationships with your consumers or service users.

  -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.

  -IP address: Every device connected to the Internet is assigned a number known as an Internet protocol (IP) address. These numbers are usually assigned in geographic blocks. An IP address can often be used to identify the location from which a device is connecting to the Internet.

  -Personnel: refers to those individuals who are employed by Vl-consultoria or are under contract to perform a service on behalf of one of the parties.

  -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 Vl-consultoria to use the Services.

Information we collect

The personal information that you are asked to provide, and the reasons why you are asked to provide it, will be made clear to you at the point we ask you to provide your personal information.

If you contact us directly, we may receive additional information about you such as your name, email address, phone number, the contents of the message and/or attachments you may send us, and any other information you may choose to provide.

When you register for an Account, we may ask for your contact information, including items such as name, company name, address, email address, and telephone number.

How we use your information

We use the information we collect in various ways, including to:

  • Provide, operate, and maintain our website
  • Improve, personalize, and expand our website
  • Understand and analyze how you use our website
  • Develop new products, services, features, and functionality
  • Communicate with you, either directly or through one of our partners, including for customer service, to provide you with updates and other information relating to the website, and for marketing and promotional purposes
  • Send you emails
  • Find and prevent fraud

How Long Do We Keep Your Information?

We keep your information only so long as we need it to provide Vl-consultoria to you and fulfill the purposes described in this policy. This is also the case for anyone that we share your information with and who carries out services on our behalf. When we no longer need to use your information and there is no need for us to keep it to comply with our legal or regulatory obligations, we will either remove it from our systems or depersonalize it so that we cannot identify you.

How Do We Protect Your Information?

We implement a variety of security measures to maintain the safety of your personal information when you place an order or enter, submit, or access your personal information. We offer the use of a secure server. All supplied sensitive/credit information is transmitted via Secure Socket Layer (SSL) technology and then encrypted into our Payment gateway providers database only to be accessible by those authorized with special access rights to such systems, and are required to keep the information confidential. After a transaction, your private information (credit cards, social security numbers, financials, etc.) is never kept on file.

Log Files

Vl-consultoria follows a standard procedure of using log files. These files log visitors when they visit websites. All hosting companies do this and a part of hosting services’ analytics. The information collected by log files include internet protocol (IP) addresses, browser type, Internet Service Provider (ISP), date and time stamp, referring/exit pages, and possibly the number of clicks. These are not linked to any information that is personally identifiable. The purpose of the information is for analyzing trends, administering the site, tracking users’ movement on the website, and gathering demographic information.

Cookies

Like any other website, Vl-consultoria uses ‘cookies’. These cookies are used to store information including visitors’ preferences, and the pages on the website that the visitor accessed or visited. The information is used to optimize the users’ experience by customizing our web page content based on visitors’ browser type and/or other information.

Governing Law

This Privacy Policy is governed by the laws of Portugal without regard to its conflict of laws provision. You consent to the exclusive jurisdiction of the courts in connection with any action or dispute arising between the parties under or in connection with this Privacy Policy.

The laws of Portugal, excluding its conflicts of law rules, shall govern this Agreement and your use of the website. Your use of the website may also be subject to other local, state, national, or international laws.

By using Vl-consultoria or contacting us directly, you signify your acceptance of this Privacy Policy. If you do not agree to this Privacy Policy, you should not engage with our website, or use our services. Continued use of the website, direct engagement with us, or following the posting of changes to this Privacy Policy that do not significantly affect the use or disclosure of your personal information will mean that you accept those changes.

Advertising Partners Privacy Policies

You may consult this list to find the Privacy Policy for each of the advertising partners of Vl-consultoria.

Third-party ad servers or ad networks use technologies like cookies that are used in their respective advertisements and links that appear on Vl-consultoria, which are sent directly to users’ browsers. They automatically receive your IP address when this occurs. These technologies are used to measure the effectiveness of their advertising campaigns and/or to personalize the advertising content that you see on websites that you visit.

Note that Vl-consultoria has no access to or control over these cookies that are used by third-party advertisers.

Third Party Privacy Policies

Vl-consultoria’s Privacy Policy does not apply to other advertisers or websites. Thus, we are advising you to consult the respective Privacy Policies of these third-party ad servers for more detailed information. It may include their practices and instructions about how to opt-out of certain options.

You can choose to disable cookies through your individual browser options. To know more detailed information about cookie management with specific web browsers, it can be found at the browsers’ respective websites.

GDPR Data Protection Rights

We would like to make sure you are fully aware of all of your data protection rights. Every user is entitled to the following:

The right to access – You have the right to request copies of your personal data. We may charge you a small fee for this service.

The right to rectification – You have the right to request that we correct any information you believe is inaccurate. You also have the right to request that we complete the information you believe is incomplete.

The right to erasure – You have the right to request that we erase your personal data, under certain conditions.

The right to restrict processing – You have the right to request that we restrict the processing of your personal data, under certain conditions.

The right to object to processing – You have the right to object to our processing of your personal data, under certain conditions.

The right to data portability – You have the right to request that we transfer the data that we have collected to another organization, or directly to you, under certain conditions.

If you make a request, we have one month to respond to you. If you would like to exercise any of these rights, please contact us.

Children’s Information

Another part of our priority is adding protection for children while using the internet. We encourage parents and guardians to observe, participate in, and/or monitor and guide their online activity.

Vl-consultoria does not knowingly collect any Personal Identifiable Information from children under the age of 18. If you think that your child provided this kind of information on our website, we strongly encourage you to contact us immediately and we will do our best efforts to promptly remove such information from our records.

Changes To Our Privacy Policy

We may change our Service and policies, and we may need to make changes to this Privacy 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 Privacy 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 Privacy Policy. If you do not want to agree to this or any updated Privacy 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.