Privacy Policy

Last updated: 11 November 2026

This policy explains what personal data is processed when you use imtfacil.com, why, on what legal basis and for how long, and your rights under the General Data Protection Regulation (GDPR). The Portuguese version is the reference version.

1. Controller

Tiago (MFoxDev).
Privacy contact: geral@imtfacil.com

2. The calculator does not ask for personal data

You do not need an account, name or email to use the calculators. The values you enter are used only to run the calculation. Depending on the calculator, they may include:

• the price, region, type of property, number of buyers and their shares, tax residence and the young-buyer option (which shows whether you are 35 or under);
• the loan amount, term and interest rate, the outstanding balance and the amount to repay early;
• your age and income (in the mortgage calculator and the public guarantee for young buyers), and whether you already own a home;
• the taxable property value (VPT), municipality and number of dependants (for IMI);
• the family relationship and the donor's age (for gifts and inheritances).

They are not stored in a database. They stay in the page address so you can share the result, and may appear in the server logs described below.

3. What we process and why

We do not use your data for automated decisions or profiling of our own, and we do not sell personal data.

4. Cookies and advertising

The site currently uses no advertising or analytics cookies. If that changes, this policy will be updated and your consent will be asked before non-essential cookies are set.

We count visits with Cloudflare Web Analytics, which sets no cookies, uses no persistent identifiers and does not track you across sites, so no consent is asked. If you block the script in your browser, the site still works.

The home-buying checklist (in Portuguese) keeps the steps you tick in your browser's local storage, so you find them when you come back. That data stays on your device and is not sent to the site. You can delete it with the "Limpar" button or in your browser settings.

5. Who has access

• OVH SAS (France, EU), our hosting provider, which processes server logs on our behalf as a processor and also keeps them under its own legal obligation.
• Cloudflare, Inc. (USA), which provides the visit statistics on our behalf as a processor.
• Public authorities, where required by law.

6. Transfers outside the European Economic Area

Cloudflare, Inc. may process the statistics data in the United States, under the EU-US Data Privacy Framework, which Cloudflare has joined, and standard contractual clauses approved by the European Commission.

7. Your rights

You can ask for access, rectification, erasure or restriction of your data, object to processing based on legitimate interest and, where applicable, ask for portability. Where processing is based on consent, you can withdraw it at any time.

Server logs are managed by our hosting provider, which keeps them for the legal period: we cannot delete them earlier, but we do not use them for anything else.

Write to geral@imtfacil.com. We reply within one month. Because the calculator does not identify you, we may need extra information to find the records that relate to you.

You can also complain to the Portuguese data protection authority, CNPD (www.cnpd.pt), or the authority in your country of residence.

8. Security

The site is served only over an encrypted connection (HTTPS) and server access is restricted.

9. Changes

This policy may be updated. The date at the top shows the latest revision.

See also the Terms and Conditions.