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Terms and Conditions

Welcome to Vl-consultoria!

These terms and conditions outline the rules and regulations for the use of VANTAGEM LOUVÁVEL – UNIPERSSOAL LDA’s Website, located at https://vl-consultoria.com/.

By accessing this website, we assume you accept these terms and conditions. Do not continue to use Vl-consultoria if you do not agree to take all of the terms and conditions stated on this page.

License

Unless otherwise stated, VANTAGEM LOUVÁVEL – UNIPERSSOAL LDA and/or its licensors own the intellectual property rights for all material on Vl-consultoria. All intellectual property rights are reserved. You may access this from Vl-consultoria for your own personal use subjected to restrictions set in these terms and conditions.

You must not:

  • Republish material from Vl-consultoria
  • Sell, rent or sub-license material from Vl-consultoria
  • Reproduce, duplicate or copy material from Vl-consultoria
  • Redistribute content from Vl-consultoria

This Agreement shall begin on the date hereof.

Meanings

For this Terms & Conditions:

  -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 Terms & Conditions.

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

  -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.

  -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.

Cookies

We employ the use of cookies. By accessing Vl-consultoria, you agreed to use cookies in agreement with the VANTAGEM LOUVÁVEL – UNIPERSSOAL LDA’s Privacy Policy.

Most interactive websites use cookies to let us retrieve the user’s details for each visit. Cookies are used by our website to enable the functionality of certain areas to make it easier for people visiting our website. Some of our affiliate/advertising partners may also use cookies.

Content Liability

We shall not be held responsible for any content that appears on your Website. You agree to protect and defend us against all claims that are rising on your Website. No link(s) should appear on any Website that may be interpreted as libelous, obscene or criminal, or which infringes, otherwise violates, or advocates the infringement or other violation of, any third party rights.

Your Privacy

Please read Privacy Policy.

Reservation of Rights

We reserve the right to request that you remove all links or any particular link to our Website. You approve to immediately remove all links to our Website upon request. We also reserve the right to amend these terms and conditions and it’s linking policy at any time. By continuously linking to our Website, you agree to be bound to and follow these linking terms and conditions.

Removal of links from our website

If you find any link on our Website that is offensive for any reason, you are free to contact and inform us any moment. We will consider requests to remove links but we are not obligated to or so or to respond to you directly.

We do not ensure that the information on this website is correct, we do not warrant its completeness or accuracy; nor do we promise to ensure that the website remains available or that the material on the website is kept up to date.

Disclaimer

To the maximum extent permitted by applicable law, we exclude all representations, warranties and conditions relating to our website and the use of this website. Nothing in this disclaimer will:

  • limit or exclude our or your liability for death or personal injury;
  • limit or exclude our or your liability for fraud or fraudulent misrepresentation;
  • limit any of our or your liabilities in any way that is not permitted under applicable law; or
  • exclude any of our or your liabilities that may not be excluded under applicable law.

The limitations and prohibitions of liability set in this Section and elsewhere in this disclaimer: (a) are subject to the preceding paragraph; and (b) govern all liabilities arising under the disclaimer, including liabilities arising in contract, in tort and for breach of statutory duty.

As long as the website and the information and services on the website are provided free of charge, we will not be liable for any loss or damage of any nature.

Changes To Our Terms & Conditions

You acknowledge and agree that Vl-consultoria may stop (permanently or temporarily) providing the Service (or any features within the Service) to you or to users generally at Vl-consultoria’s sole discretion, without prior notice to you. You may stop using the Service at any time. You do not need to specifically inform Vl-consultoria when you stop using the Service. You acknowledge and agree that if Vl-consultoria disables access to your account, you may be prevented from accessing the Service, your account details or any files or other materials, which are contained in your account.

If we decide to change our Terms & Conditions, we will post those changes on this page, and/or update the Terms & Conditions modification date below.

Term and Termination

This Agreement shall remain in effect until terminated by you or Vl-consultoria.

Vl-consultoria may, in its sole discretion, at any time and for any or no reason, suspend or terminate this Agreement with or without prior notice.

This Agreement will terminate immediately, without prior notice from Vl-consultoria, in the event that you fail to comply with any provision of this Agreement. You may also terminate this Agreement by deleting the website and all copies thereof from your computer.

Upon termination of this Agreement, you shall cease all use of the website and delete all copies of the website from your computer.

Termination of this Agreement will not limit any of VL-consultoria’s rights or remedies at law or in equity in case of breach by you (during the term of this Agreement) of any of your obligations under the present Agreement.

Updates to Our website

Vl-consultoria may from time to time provide enhancements or improvements to the features/ functionality of the website, which may include patches, bug fixes, updates, upgrades and other modifications (“Updates”).

Updates may modify or delete certain features and/or functionalities of the website. You agree that Vl-consultoria has no obligation to (i) provide any Updates, or (ii) continue to provide or enable any particular features and/or functionalities of the website to you.

You further agree that all Updates will be (i) deemed to constitute an integral part of the website, and (ii) subject to the terms and conditions of this Agreement.

Notice of Dispute

In the event of a dispute, you or Vl-consultoria must give the other a Notice of Dispute, which is a written statement that sets forth the name, address, and contact information of the party giving it, the facts giving rise to the dispute, and the relief requested. You must send any Notice of Dispute via email to: https://vl-consultoria.com/index.php/contact-us/. Vl-consultoria will send any Notice of Dispute to you by mail to your address if we have it, or otherwise to your email address. You and Vl-consultoria will attempt to resolve any dispute through informal negotiation within sixty (60) days from the date the Notice of Dispute is sent. After sixty (60) days, you or Vl-consultoria may commence arbitration.

Binding Arbitration

If you and Vl-consultoria don’t resolve any dispute by informal negotiation, any other effort to resolve the dispute will be conducted exclusively by binding arbitration as described in this section. You are giving up the right to litigate (or participate in as a party or class member) all disputes in court before a judge or jury. The dispute shall be settled by binding arbitration in accordance with the commercial arbitration rules of The Arbitration Centre of the Portuguese Chamber of Commerce and Industry. Either party may seek any interim or preliminary injunctive relief from any court of competent jurisdiction, as necessary to protect the party’s rights or property pending the completion of arbitration. Any and all legal, accounting, and other costs, fees, and expenses incurred by the prevailing party shall be borne by the non-prevailing party.

Submissions and Privacy

In the event that you submit or post any ideas, creative suggestions, designs, photographs, information, advertisements, data or proposals, including ideas for new or improved products, services, features, technologies or promotions, you expressly agree that such submissions will automatically be treated as non-confidential and non-proprietary and will become the sole property of Vl-consultoria without any compensation or credit to you whatsoever. Vl-consultoria and its affiliates shall have no obligations with respect to such submissions or posts and may use the ideas contained in such submissions or posts for any purposes in any medium in perpetuity, including, but not limited to, developing, manufacturing, and marketing products and services using such ideas.

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.