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.wpforms-submit{border-radius:99px!important;background:var(--deep)!important;color:#fff!important;text-transform:none!important;padding:16px 26px!important;font-weight:600!important}<\/style>\n<div lang=\"pt-PT\"><svg width=\"0\" height=\"0\" style=\"position:absolute\" aria-hidden=\"true\"><symbol id=\"i-arrow\" viewBox=\"0 0 24 24\"><path d=\"M5 12h14M13 6l6 6-6 6\"\/><\/symbol><\/svg><div class=\"lp\"><div class=\"wrap\"><header class=\"rp-legal-hero\"><span class=\"lp-k\">Informa\u00e7\u00f5es legais<\/span><h1>Pol\u00edtica de privacidade<\/h1><p>\u00daltima atualiza\u00e7\u00e3o: 28\/09\/2026<\/p><\/header><div class=\"rp-legal\"><nav class=\"rp-toc\" aria-label=\"\u00cdndice\"><b>\u00cdndice<\/b><ol><li><a href=\"#s1\">1. Respons\u00e1vel pelo tratamento<\/a><\/li><li><a href=\"#s2\">2. Enquadramento legal<\/a><\/li><li><a href=\"#s3\">3. Dados que recolhemos<\/a><\/li><li><a href=\"#s4\">4. Finalidades e fundamentos jur\u00eddicos<\/a><\/li><li><a href=\"#s5\">5. Destinat\u00e1rios dos seus dados<\/a><\/li><li><a href=\"#s6\">6. Transfer\u00eancias para fora de Marrocos e da Uni\u00e3o Europeia<\/a><\/li><li><a href=\"#s7\">7. Prazos de conserva\u00e7\u00e3o<\/a><\/li><li><a href=\"#s8\">8. Cookies e tecnologias de rastreio<\/a><\/li><li><a href=\"#s9\">9. Os seus direitos<\/a><\/li><li><a href=\"#s10\">10. Seguran\u00e7a dos dados<\/a><\/li><li><a href=\"#s11\">11. Menores<\/a><\/li><li><a href=\"#s12\">12. Liga\u00e7\u00f5es para outros sites<\/a><\/li><li><a href=\"#s13\">13. Altera\u00e7\u00f5es \u00e0 pol\u00edtica<\/a><\/li><\/ol><\/nav><div class=\"rp-prose\">\n<p>A presente pol\u00edtica de privacidade explica como a <em>Carmel Cosmetics Labs<\/em> recolhe, utiliza e protege os dados pessoais das pessoas que visitam o site <a href=\"https:\/\/carmelcosmeticslabs.com\/pt-pt\/inicio\/\">carmelcosmeticslabs.com<\/a>, nos contactam ou se tornam clientes. Aplica-se a todas as vers\u00f5es lingu\u00edsticas do site.<\/p>\n<h2 id=\"s1\">1. Respons\u00e1vel pelo tratamento<\/h2>\n<p>O respons\u00e1vel pelo tratamento \u00e9 a <em>Carmel Cosmetics Labs<\/em>, sociedade de responsabilidade limitada de direito marroquino, com capital social de 1.000.000 DHS, inscrita no Registo Comercial de Agadir sob o n\u00famero 25081, com sede em B1006 Zone Industrielle A\u00eft Melloul, 86150, Marrocos (doravante \u00ab Carmel \u00bb, \u00ab n\u00f3s \u00bb).<\/p>\n<p>Contacto para qualquer quest\u00e3o relativa aos seus dados: <a href=\"mailto:contact@carmelcos.com\">contact@carmelcos.com<\/a> \u00b7 Telefone: +212 808 504 500.<\/p>\n<h2 id=\"s2\">2. Enquadramento legal<\/h2>\n<p>Tratamos os seus dados em conformidade com a <strong>lei marroquina n.\u00ba 09-08<\/strong> relativa \u00e0 prote\u00e7\u00e3o das pessoas singulares no que diz respeito ao tratamento de dados pessoais, sob a supervis\u00e3o da Comiss\u00e3o Nacional de Controlo da Prote\u00e7\u00e3o de Dados Pessoais (CNDP).<\/p>\n<p>Quando os nossos servi\u00e7os se destinam a pessoas situadas na Uni\u00e3o Europeia (nomeadamente em Fran\u00e7a), aplicamos tamb\u00e9m o <strong>Regulamento (UE) 2016\/679 (RGPD)<\/strong>.<\/p>\n<h2 id=\"s3\">3. Dados que recolhemos<\/h2>\n<table style=\"width:100%;border-collapse:collapse;margin:1em 0 1.5em;font-size:15px;\"><thead><tr><th style=\"text-align:left;padding:10px 14px;background:#378377;color:#fff;\">Origem<\/th><th style=\"text-align:left;padding:10px 14px;background:#378377;color:#fff;\">Dados em causa<\/th><\/tr><\/thead><tbody><tr><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Formul\u00e1rios de or\u00e7amento, de contacto e \u00ab Falar com um especialista \u00bb<\/td><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Apelido, nome pr\u00f3prio, e-mail, telefone, empresa, pa\u00eds, categorias de produtos do seu interesse, descri\u00e7\u00e3o do seu projeto<\/td><\/tr><tr><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Formul\u00e1rio \u00ab Tornar-se distribuidor \u00bb<\/td><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Identidade, dados de contacto, empresa, zona de distribui\u00e7\u00e3o, informa\u00e7\u00f5es comerciais transmitidas<\/td><\/tr><tr><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Subscri\u00e7\u00e3o da newsletter<\/td><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Nome, endere\u00e7o de e-mail<\/td><\/tr><tr><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Marca\u00e7\u00e3o de reuni\u00e3o online<\/td><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Nome, e-mail, telefone, hor\u00e1rio escolhido, informa\u00e7\u00f5es introduzidas no momento da marca\u00e7\u00e3o<\/td><\/tr><tr><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Rela\u00e7\u00e3o comercial (or\u00e7amentos, encomendas, produ\u00e7\u00e3o para terceiros)<\/td><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Dados de contacto dos interlocutores, dados de fatura\u00e7\u00e3o e de entrega, hist\u00f3rico de comunica\u00e7\u00f5es e de encomendas, elementos da marca transmitidos (log\u00f3tipos, textos, caderno de encargos)<\/td><\/tr><tr><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Candidaturas (p\u00e1gina Carreiras)<\/td><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">CV, carta de motiva\u00e7\u00e3o, dados de contacto e informa\u00e7\u00f5es que decide transmitir-nos<\/td><\/tr><tr><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Navega\u00e7\u00e3o no site<\/td><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Endere\u00e7o IP, tipo de dispositivo e de navegador, p\u00e1ginas consultadas, origem da visita, identificadores de cookies (ver artigo 8)<\/td><\/tr><\/tbody><\/table>\n<p>Os campos obrigat\u00f3rios est\u00e3o assinalados nos formul\u00e1rios. Sem estas informa\u00e7\u00f5es, n\u00e3o podemos tratar o seu pedido. N\u00e3o recolhemos dados sens\u00edveis (sa\u00fade, opini\u00f5es, etc.) e pedimos que n\u00e3o os transmita nos campos de texto livre.<\/p>\n<h2 id=\"s4\">4. Finalidades e fundamentos jur\u00eddicos<\/h2>\n<table style=\"width:100%;border-collapse:collapse;margin:1em 0 1.5em;font-size:15px;\"><thead><tr><th style=\"text-align:left;padding:10px 14px;background:#378377;color:#fff;\">Finalidade<\/th><th style=\"text-align:left;padding:10px 14px;background:#378377;color:#fff;\">Fundamento jur\u00eddico<\/th><\/tr><\/thead><tbody><tr><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Responder aos seus pedidos de or\u00e7amento, de contacto ou de reuni\u00e3o<\/td><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Dilig\u00eancias pr\u00e9-contratuais efetuadas a seu pedido<\/td><\/tr><tr><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Executar os nossos contratos: formula\u00e7\u00e3o, fabrico, acondicionamento, entrega, fatura\u00e7\u00e3o, servi\u00e7o p\u00f3s-venda<\/td><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Execu\u00e7\u00e3o do contrato<\/td><\/tr><tr><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Cumprir as nossas obriga\u00e7\u00f5es legais (contabilidade, fiscalidade, rastreabilidade regulamentar dos produtos cosm\u00e9ticos)<\/td><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Obriga\u00e7\u00e3o legal<\/td><\/tr><tr><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Enviar-lhe a nossa newsletter e as nossas ofertas<\/td><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">O seu consentimento, que pode retirar a qualquer momento<\/td><\/tr><tr><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Prospe\u00e7\u00e3o comercial B2B junto de profissionais, com ofertas relacionadas com a sua atividade<\/td><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Interesse leg\u00edtimo (pode opor-se a qualquer momento)<\/td><\/tr><tr><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Medir a audi\u00eancia do site e melhorar os nossos conte\u00fados<\/td><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">O seu consentimento quando exigido por lei; nos restantes casos, o nosso interesse leg\u00edtimo<\/td><\/tr><tr><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Medir a efic\u00e1cia das nossas campanhas publicit\u00e1rias e apresentar-lhe an\u00fancios relevantes<\/td><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">O seu consentimento quando exigido por lei<\/td><\/tr><tr><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Proteger o site contra spam, fraude e ataques<\/td><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Interesse leg\u00edtimo<\/td><\/tr><tr><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Analisar candidaturas<\/td><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Dilig\u00eancias pr\u00e9-contratuais efetuadas a seu pedido<\/td><\/tr><\/tbody><\/table>\n<h2 id=\"s5\">5. Destinat\u00e1rios dos seus dados<\/h2>\n<p>Os seus dados destinam-se \u00e0s equipas autorizadas da Carmel (comercial, I&D, produ\u00e7\u00e3o, qualidade, administra\u00e7\u00e3o) e, quando necess\u00e1rio, \u00e0s nossas filiais e estabelecimentos. Podem ser transmitidos a prestadores de servi\u00e7os que atuam por nossa conta e segundo as nossas instru\u00e7\u00f5es:<\/p>\n<ul>\n<li>alojamento, seguran\u00e7a e distribui\u00e7\u00e3o do site (incluindo a <strong>Cloudflare<\/strong>);<\/li>\n<li>prote\u00e7\u00e3o dos formul\u00e1rios contra spam (<strong>Google reCAPTCHA<\/strong>, <strong>Cloudflare Turnstile<\/strong>);<\/li>\n<li>medi\u00e7\u00e3o de audi\u00eancia e publicidade (<strong>Google Tag Manager<\/strong>, <strong>Google Analytics<\/strong>, <strong>Google Ads<\/strong>);<\/li>\n<li>ferramentas de gest\u00e3o da rela\u00e7\u00e3o com o cliente, de mensagens e de envio de newsletters;<\/li>\n<li>transportadoras e transit\u00e1rios, para a entrega das suas encomendas;<\/li>\n<li>os nossos consultores (advogados, contabilistas certificados, auditores) e, mediante pedido, as autoridades administrativas ou judiciais competentes.<\/li>\n<\/ul>\n<p>Nunca vendemos nem alugamos os seus dados pessoais.<\/p>\n<h2 id=\"s6\">6. Transfer\u00eancias para fora de Marrocos e da Uni\u00e3o Europeia<\/h2>\n<p>Alguns dos nossos prestadores de servi\u00e7os (nomeadamente a Google e a Cloudflare) podem tratar dados fora de Marrocos e da Uni\u00e3o Europeia, em particular nos Estados Unidos. Estas transfer\u00eancias s\u00e3o enquadradas em conformidade com a lei 09-08 e, para as pessoas que se encontram na Uni\u00e3o Europeia, pelas garantias previstas no RGPD: decis\u00e3o de adequa\u00e7\u00e3o (incluindo o Quadro de Privacidade de Dados UE\u2013Estados Unidos) ou cl\u00e1usulas contratuais-tipo da Comiss\u00e3o Europeia.<\/p>\n<h2 id=\"s7\">7. Prazos de conserva\u00e7\u00e3o<\/h2>\n<table style=\"width:100%;border-collapse:collapse;margin:1em 0 1.5em;font-size:15px;\"><thead><tr><th style=\"text-align:left;padding:10px 14px;background:#378377;color:#fff;\">Dados<\/th><th style=\"text-align:left;padding:10px 14px;background:#378377;color:#fff;\">Prazo de conserva\u00e7\u00e3o<\/th><\/tr><\/thead><tbody><tr><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Pedidos de or\u00e7amento e de contacto sem seguimento<\/td><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">3 anos a contar do seu \u00faltimo contacto<\/td><\/tr><tr><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Dados de clientes e processos de encomenda<\/td><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Durante toda a rela\u00e7\u00e3o comercial e, posteriormente, 10 anos para os documentos contabil\u00edsticos e de rastreabilidade exigidos por lei<\/td><\/tr><tr><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Newsletter<\/td><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">At\u00e9 ao cancelamento da sua subscri\u00e7\u00e3o<\/td><\/tr><tr><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Reuni\u00f5es online<\/td><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">3 anos a contar da reuni\u00e3o, salvo se existir uma rela\u00e7\u00e3o comercial<\/td><\/tr><tr><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Candidaturas n\u00e3o selecionadas<\/td><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">2 anos, salvo se solicitar o apagamento<\/td><\/tr><tr><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">Cookies e tecnologias de rastreio<\/td><td style=\"padding:10px 14px;border-bottom:1px solid #e6e6e6;vertical-align:top;\">13 meses, no m\u00e1ximo; dados de medi\u00e7\u00e3o de audi\u00eancia conservados durante um m\u00e1ximo de 14 meses<\/td><\/tr><\/tbody><\/table>\n<p>No final destes prazos, os dados s\u00e3o apagados ou anonimizados.<\/p>\n<h2 id=\"s8\">8. Cookies e tecnologias de rastreio<\/h2>\n<p>Um cookie \u00e9 um pequeno ficheiro armazenado no seu dispositivo quando visita um site. Utilizamos:<\/p>\n<ul>\n<li><strong>cookies necess\u00e1rios<\/strong> ao funcionamento e \u00e0 seguran\u00e7a do site (seguran\u00e7a Cloudflare, prote\u00e7\u00e3o dos formul\u00e1rios contra spam, escolha do idioma, carrinho);<\/li>\n<li><strong>cookies de medi\u00e7\u00e3o de audi\u00eancia<\/strong> (Google Analytics, atrav\u00e9s do Google Tag Manager), para conhecer o tr\u00e1fego do site e melhorar os nossos conte\u00fados;<\/li>\n<li><strong>cookies publicit\u00e1rios<\/strong> (Google Ads), para medir as convers\u00f5es das nossas campanhas e apresentar-lhe an\u00fancios adequados;<\/li>\n<li><strong>cookies de terceiros<\/strong> instalados pelos conte\u00fados incorporados em determinadas p\u00e1ginas: v\u00eddeos YouTube, mapas Google Maps, leitor Spotify e avalia\u00e7\u00f5es Trustpilot.<\/li>\n<\/ul>\n<p>Pode aceitar ou recusar, a qualquer momento, os cookies n\u00e3o necess\u00e1rios nas defini\u00e7\u00f5es do seu navegador (Chrome, Firefox, Safari e Edge disponibilizam esta op\u00e7\u00e3o). Pode tamb\u00e9m recusar a medi\u00e7\u00e3o de audi\u00eancia do Google Analytics atrav\u00e9s do <a href=\"https:\/\/tools.google.com\/dlpage\/gaoptout\" target=\"_blank\" rel=\"noopener\">suplemento de desativa\u00e7\u00e3o do Google Analytics<\/a> e gerir a personaliza\u00e7\u00e3o dos an\u00fancios Google nas <a href=\"https:\/\/adssettings.google.com\/\" target=\"_blank\" rel=\"noopener\">defini\u00e7\u00f5es de an\u00fancios Google<\/a>. A recusa destes cookies n\u00e3o impede a utiliza\u00e7\u00e3o do site.<\/p>\n<p><strong>Servi\u00e7os da API do YouTube.<\/strong> Para publicar os epis\u00f3dios do nosso podcast Cosmetopreneur no nosso pr\u00f3prio canal YouTube, utilizamos os servi\u00e7os da API do YouTube (YouTube API Services). Esta ferramenta interna acede apenas ao nosso canal e n\u00e3o recolhe quaisquer dados sobre os visitantes do site nem sobre outros utilizadores do YouTube. Ao ver os nossos v\u00eddeos, aplicam-se os <a href=\"https:\/\/www.youtube.com\/t\/terms\" target=\"_blank\" rel=\"noopener\">Termos de Utiliza\u00e7\u00e3o do YouTube<\/a> e a <a href=\"https:\/\/policies.google.com\/privacy\" target=\"_blank\" rel=\"noopener\">Pol\u00edtica de Privacidade da Google<\/a>. Pode gerir o acesso concedido a aplica\u00e7\u00f5es de terceiros na p\u00e1gina de <a href=\"https:\/\/security.google.com\/settings\/security\/permissions\" target=\"_blank\" rel=\"noopener\">permiss\u00f5es de seguran\u00e7a da sua conta Google<\/a>.<\/p>\n<h2 id=\"s9\">9. Os seus direitos<\/h2>\n<p>Em conformidade com a lei 09-08, disp\u00f5e dos direitos de <strong>acesso<\/strong>, <strong>retifica\u00e7\u00e3o<\/strong> e <strong>oposi\u00e7\u00e3o<\/strong>, incluindo \u00e0 prospe\u00e7\u00e3o comercial. Se estiver na Uni\u00e3o Europeia, disp\u00f5e tamb\u00e9m, nas condi\u00e7\u00f5es previstas no RGPD, dos direitos ao <strong>apagamento<\/strong>, \u00e0 <strong>limita\u00e7\u00e3o<\/strong> do tratamento, \u00e0 <strong>portabilidade<\/strong> dos seus dados e do direito de <strong>retirar o seu consentimento<\/strong> a qualquer momento.<\/p>\n<p>Para exercer os seus direitos, escreva-nos para <a href=\"mailto:contact@carmelcos.com\">contact@carmelcos.com<\/a> ou por correio para: Carmel Cosmetics Labs, B1006 Zone Industrielle A\u00eft Melloul, 86150, Marrocos. Podemos solicitar-lhe um comprovativo da sua identidade. Respondemos no prazo de um m\u00eas.<\/p>\n<p>Cada newsletter cont\u00e9m uma liga\u00e7\u00e3o para cancelar a subscri\u00e7\u00e3o. Se considerar que os seus direitos n\u00e3o est\u00e3o a ser respeitados, pode apresentar uma reclama\u00e7\u00e3o junto da <a href=\"https:\/\/www.cndp.ma\/\" target=\"_blank\" rel=\"noopener\">CNDP<\/a> (Marrocos) ou, se residir na Uni\u00e3o Europeia, junto da autoridade de prote\u00e7\u00e3o de dados do seu pa\u00eds (em Fran\u00e7a: a <a href=\"https:\/\/www.cnil.fr\/\" target=\"_blank\" rel=\"noopener\">CNIL<\/a>).<\/p>\n<h2 id=\"s10\">10. Seguran\u00e7a dos dados<\/h2>\n<p>Aplicamos medidas t\u00e9cnicas e organizativas adequadas para proteger os seus dados contra perda, acesso n\u00e3o autorizado ou divulga\u00e7\u00e3o: liga\u00e7\u00e3o cifrada (HTTPS), prote\u00e7\u00e3o do site por uma firewall de aplica\u00e7\u00f5es, acesso restrito \u00e0s pessoas autorizadas e compromissos de confidencialidade. As informa\u00e7\u00f5es t\u00e9cnicas e comerciais confiadas no \u00e2mbito de um projeto (f\u00f3rmulas, cadernos de encargos) est\u00e3o tamb\u00e9m protegidas pelas nossas obriga\u00e7\u00f5es contratuais de confidencialidade.<\/p>\n<h2 id=\"s11\">11. Menores<\/h2>\n<p>Os nossos servi\u00e7os destinam-se a profissionais e promotores de projetos maiores de idade. N\u00e3o recolhemos conscientemente dados relativos a menores.<\/p>\n<h2 id=\"s12\">12. Liga\u00e7\u00f5es para outros sites<\/h2>\n<p>O site cont\u00e9m liga\u00e7\u00f5es para sites de terceiros (redes sociais, plataformas de avalia\u00e7\u00f5es, fontes oficiais). N\u00e3o somos respons\u00e1veis pelas suas pr\u00e1ticas em mat\u00e9ria de dados: convidamo-lo a consultar as respetivas pol\u00edticas de privacidade.<\/p>\n<h2 id=\"s13\">13. Altera\u00e7\u00e3o da pol\u00edtica<\/h2>\n<p>Podemos atualizar a presente pol\u00edtica para refletir a evolu\u00e7\u00e3o dos nossos servi\u00e7os ou da regulamenta\u00e7\u00e3o. A data da \u00faltima atualiza\u00e7\u00e3o encontra-se no topo desta p\u00e1gina. 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