Privacy Policy

INTRODUCTION

Within the scope of its activity, Opiniões Fantásticas, Lda., with registered office in Amadora, at Avenida Santos Matos 13C, Amadora, registered under company and legal entity number 516 177 621, with a share capital of €100 (hereinafter referred to as “Dinheiro na Hora”), collects personal data from its Clients/suppliers, both in person and remotely, through telephone calls, its websites, mobile and digital communications, email, and mobile applications, ensuring that such data is processed in accordance with privacy protection rules arising from Regulation (EU) 2016/679 and other applicable national legislation.

The data collected corresponds to information provided directly by Clients/suppliers through the completion of forms, such as in the sale or purchase of precious metal items or watches in our stores and agencies, as well as personal data resulting from those relationships, including the date and value of payments made.

DATA CONTROLLER

The entity responsible for data processing is Dinheiro na Hora, as it determines the purposes and means of processing personal data of its Clients/suppliers.

TYPES OF DATA PROCESSED BY DINHEIRO NA HORA

The personal data collected corresponds to identification and address data provided by Clients/suppliers through the completion of forms, such as for the sale or purchase of precious metal items or watches in our agencies, as well as personal data resulting from those relationships, including the date and value of payments made.

In particular, regarding the use of Third-Party Programs, the activation of certain features may also require:

access to geographic location, for the purpose of locating and suggesting the nearest agencies;
access to the telephone, to enable calls to customer support numbers or to Dinheiro na Hora stores and agencies.

Clients/suppliers will always be informed of the need to access such data for the use of these features and may choose not to provide consent.

PURPOSES OF DATA PROCESSING

The personal data collected by Dinheiro na Hora is processed for the following purposes:

(a) Establishing commercial relationships between Clients/suppliers and Dinheiro na Hora, namely the sale or purchase of precious metal items or watches;

(b) Commercial assessment;

(c) Compliance with regulatory obligations, particularly those related to the legal framework of goldsmithing and hallmarking, fraud prevention and control, anti-money laundering and counter-terrorism financing, and tax obligations;

(d) Implementation of security measures and procedures for the protection of people and property, which may include, in certain cases, the collection of images through video surveillance;

(e) Actions or involvement in legal proceedings of any nature for the exercise or defense of Dinheiro na Hora’s rights;

(f) Additionally, regarding data collected through digital channels as a result of their use by Clients/suppliers, such data is also used to improve navigation and adapt content to the device used (computer or mobile device), through the use of cookies, which may be disabled by Clients/suppliers at any time.

AUTOMATED PROCESSING AND PROFILING

Dinheiro na Hora does not use statistical or segmentation techniques for profiling Clients/suppliers.

DATA RECIPIENTS

Dinheiro na Hora is legally required to communicate personal data of its Clients/suppliers to regulatory authorities supervising its activity, as well as to other public/official entities, including:

(a) Portuguese Tax and Customs Authority (Autoridade Tributária e Aduaneira);

(b) Central Department of Investigation and Prosecution (DCIAP), Financial Intelligence Unit, and other judicial, police, and sectoral authorities, as provided under the legal framework governing goldsmithing and hallmarking and anti-money laundering and counter-terrorism financing laws;

(c) Portuguese Mint and Official Printing Office (INCM), ASAE, Judiciary Police, and other judicial and police authorities, in compliance with paragraphs 5, 7, and 8 of Article 66 of Decree-Law no. 120/2017 of 15 September.

Additionally, whenever Dinheiro na Hora initiates or is involved in legal proceedings for the exercise or defense of its rights, personal data of Clients/suppliers related to identification and the relevant process may be communicated to the competent judicial authorities.

Furthermore, Dinheiro na Hora relies on service providers in the course of its activities who may have access to personal data, such as accounting firms or transport companies.

Dinheiro na Hora ensures that, in such cases, it adopts all appropriate technical and organizational measures to ensure that subcontractors are reputable, provide high levels of data protection, and comply with applicable privacy and data protection laws, including the rights of data subjects.

DATA RETENTION PERIOD

Personal data will be processed by Dinheiro na Hora for as long as necessary for the commercial relationship with Clients/suppliers. After the relationship ends, personal data will be retained for the legally required periods or until the expiration of any rights arising therefrom.

In any case, once the relationship ends, data will no longer be processed for commercial purposes unless expressly authorized by the Client/supplier. It should be noted that:

supporting documents for transactions involving the purchase and sale of precious metals must be retained for a period of 5 years, in accordance with paragraph 8 of Article 66 of Decree-Law no. 120/2017 of 15 September;
accounting records must be retained for a period of 12 years, in accordance with Article 123(4) of Law no. 2/2014.

RIGHTS OF DATA SUBJECTS

Under applicable law, Clients/suppliers, as data subjects, have the following rights:

(a) Right to Information: to be informed about the purposes of processing, recipients of the data, their rights, and mandatory data provision;

(b) Right of Access: to access their personal data without restriction, delay, or excessive cost, and obtain information on its origin;

(d) Right to Erasure (“Right to be Forgotten”): to request deletion of personal data when it is no longer necessary, subject to legal retention obligations;

(e) Right to Object: to object, free of charge, to processing for direct marketing purposes;

(f) Right to Data Portability: to receive their personal data in a structured, commonly used, and machine-readable format and transfer it to another controller;

(g) Right to Restriction of Processing: in certain circumstances, including disputes over data accuracy, unlawful processing, or legal claims;

(h) Right to Lodge a Complaint with the CNPD: without prejudice to other remedies, data subjects may lodge a complaint with a supervisory authority, particularly in the Member State of their residence, workplace, or where the alleged infringement occurred.

In Portugal, the supervisory authority is the Portuguese Data Protection Authority (CNPD).

To exercise any of these rights, Clients/suppliers may contact any Dinheiro na Hora agency or use any communication channel made available for that purpose. They may also withdraw consent at any time, where applicable.

DATA PROTECTION COORDINATOR

For any clarification regarding this Privacy Policy and Cookies, Clients may contact the Data Protection Coordinator of Dinheiro na Hora via email at: loja@dinheironahora.pt or by post to:

Opiniões Fantásticas, Lda.
Data Protection Coordinator
Avenida Santos Mattos, 13 C
2700-747 Amadora

Clients/suppliers may also submit complaints or requests for information to the Portuguese Data Protection Authority (CNPD), the national supervisory authority for GDPR and applicable national law.

Dinheiro na Hora reserves the right to amend or update this Privacy Policy at any time, with such changes being duly published.