Terms of service for individuals

1. Who we are and what these terms apply to

Titus Docs (docs.titusone.pt) is a private service of the TitusOne product, operated by [ENTIDADE OPERADORA — NIPC, morada]. These terms apply to document requests that you make for yourself, as a consumer, without an account and without an intermediary. If you received a link from a professional (bank, credit intermediary, real estate agency, accountant), the terms and policy of the service for professionals apply, and that professional is the controller of your data.

2. The service

You choose the documents you need, confirm the request, give your consent and enter your login credentials for the official portals (NIF and password for the Tax and Customs Authority (Finanças); NISS and password for Social Security Direct (Segurança Social Direta); SMS codes when the portal requests them; the Bank of Portugal (Banco de Portugal) is accessed through the Tax and Customs Authority (Finanças) authentication). A robot on our servers, in an isolated browser, logs in to the portals on your behalf and downloads the official PDFs, which we make available for you to download.

The service does not require you to create an account. We do not change data on the portals, submit returns or pay anything on your behalf. We also provide blank official forms, in PDF, with explanations and an assistant that helps you understand the fields: we do not fill them in, we do not submit them and we do not guarantee approval by any entity.

3. Price and payment

The price of a request with up to 5 documents is 6,15 €, IVA (VAT) included. Each additional document costs 1,23 €, IVA (VAT) included. The total price is shown to you before you confirm the request.

Payment is made at the end, after the documents have been obtained, through Stripe. You only pay for what was actually obtained: the amount is calculated on the documents delivered. We do not store your card details, which are processed directly by Stripe. After payment we send you the receipt and, if you request it with your tax details, the invoice.

4. Consent and credentials

Collection only begins after you confirm the documents and give your express consent. Credentials are encrypted (AES-256-GCM), used only during collection and deleted at the end, within a maximum of 24 hours. No one other than the robot uses them, and we never share them.

You must enter only your own credentials. You are responsible for ensuring that you are entitled to access the portals with those credentials. We recommend that you change your passwords once collection is complete.

5. Delivery and retention of documents

The documents remain available for download for 30 days, after which they are deleted. You may delete them before that period ends. We advise you to download them and keep them in a safe place.

The documents are the official PDFs issued by the portals, without any alteration on our part. Their acceptance by third parties depends on the entity to which you present them.

6. Right of withdrawal

As a consumer, you generally have the right to withdraw from the contract, without giving any reason, within 14 days of its conclusion, under the law on distance contracts. To exercise it, simply send us an unequivocal statement to geral@titusone.pt.

Before starting collection, we ask you to expressly request that the service begin immediately and to acknowledge that, if the service is fully performed, you lose the right of withdrawal. This is the legal exception provided for services that have been fully performed, with your prior and express consent and your acknowledgement of the loss of the right. If you request immediate commencement and exercise the right of withdrawal before the service has been fully performed, you will pay an amount proportionate to what has already been provided up to the moment you informed us.

7. Refunds and failures

If none of the requested documents is obtained, you are not charged anything or, if you have already paid, the amount is refunded to you in full, using the same means of payment. If only some of the documents are obtained, you pay only for the documents obtained.

If you have paid and believe there is a problem with the service, please contact us at geral@titusone.pt. We will review the request and, if due, issue the refund within a maximum of 14 days, without prejudice to your statutory rights as a consumer.

8. Portal availability and liability

The service depends on official portals that we do not control, which may be unavailable, change their structure, request additional authentication or block automated access. In such cases, collection may fail or be delayed, and the refund rule in the previous section applies.

We are liable in accordance with the law. We are not liable for damage caused by incorrect information you provide to us, by the unavailability of the portals, by decisions of third parties based on the documents obtained, or by causes beyond our control. Nothing in these terms excludes or limits rights that the law grants to consumers and that cannot be waived.

9. Data protection

For requests from individuals, Titus Docs is the controller of your personal data. How we process it is described in the Privacy policy for individuals.

10. Complaints, applicable law and disputes

These terms are governed by Portuguese law, without prejudice to the mandatory consumer protection rules of the country of your habitual residence. You may submit complaints through the electronic Complaints Book (Livro de Reclamações) (www.livroreclamacoes.pt) and use alternative consumer dispute resolution entities, as described on the «Dispute resolution» page.

General contact: geral@titusone.pt. Operating entity: [ENTIDADE OPERADORA — NIPC, morada].