Partners in the development and performance of companies in Portugal. 

With Head Office in Lisbon, VAT Number and Register Number at Lisbon Commercial Registry 500 726 000, with the Capital of € 7.500.000,00, we are an insurance company in the areas of Trade Credit and Bond Insurance, providing services to other companies (B2B) to help them develop their business safely and the domestic and foreign trade.

We care about your personal data. This Privacy Police explains the kind of personal data we collect, how and why we collect and use it and for how long it tis kept. We also explain how the data subject can access, correct, or object to the processing of his personal data (including requesting deletion, subject to applicable laws and regulations).

Under the terms of the legislation and regulations in force applicable to its activity, we have specific, independent and autonomous means suitable for receiving, processing and archiving complaints and reports of serious irregularities, with the possibility of admitting anonymous internal complaints and reports related to the following matters:

• The company's administration, governance system or accounting organization, and which are likely to cause its financial conditions to deteriorate;
• Serious indications of breaches of duties laid down in the RJASR or in a delegated act of the European Commission adopted in development of the Solvency II Directive;
• Prevention of money laundering and terrorist financing, active and passive corruption, economic sanctions, protection of privacy and personal data and security, public procurement, competition and corporate taxation or harassment and discrimination.

The confidentiality of the identity of whistleblowers, of those affected by the irregularity reported and of any third parties mentioned, having in mind that unauthorized access is prevented.

In this context, irregularities should not be confused with complaints (expressions of disagreement or dissatisfaction with the position taken by the company in the course of its business, or with the services it provides, submitted by policyholders, insured persons, beneficiaries and injured parties) which are the object of a complaint.

Irregularities of which they are aware may be reported by company employees, people performing key functions, interns, whether paid or unpaid, holders of shareholdings and people belonging to administrative or management bodies or tax or regulatory bodies. supervision, including non-executive members.

Irregularities may also be reported by service providers, contractors, subcontractors, and suppliers, including people acting under their supervision and direction.

E-mail:

participacao.irregularidades@cosec.pt

Letter:

Reporting of Irregularities
COSEC – Companhia de Seguro de Créditos, SA
Av. da Liberdade, 249 - 6th floor - 1250-143, Lisbon

It is recommended that the indication "Confidential" be placed on the front of the envelope, that the envelope be glued, countersigned in the closing area and tape placed over it, to guarantee inviolability during transit.