Privacy Policy

As part of the provision of its services, Livo (as a brand of the entity “Mundo Ageas Serviços, Unipessoal Lda.”) needs to collect some personal data.

This Privacy Policy aims to help data subjects understand what personal data is collected, how and why it is used, to whom it is disclosed as well as how their privacy is protected, in strict respect and compliance with the applicable legislation in this area, namely Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 (“General Data Protection Regulation”) and Law 58/2019 of 8 August.

Who is responsible for processing your Personal Data?

References in this Privacy Policy to “Livo”, “we”, “us” or “our” mean the following entity:

What is Personal Data?

Personal data means any information, of any nature and regardless of its form, including sound and image, relating to an identified or identifiable single person (data subject).

An identifiable person is one who can be identified, directly or indirectly, in particular by reference to an identification number or to other factors specific to their physical, physiological, mental, economic, cultural or social identity.

What sort of personal data do we collect?

Livo collects and processes the personal data necessary to quote for and provide its services. Your personal data may include your identification and contact details, financial data or information about how you use our Platforms, or how you interact with us.

Livo does not process the personal data of minors.

Categories of Personal Data we process:

What are the reasons for collecting your Personal Data?

Personal data (customers/third parties) is generally used in the context of the provision of services. Your data may also be used to send you promotional communications if you have given your consent to do so. In this regard, we use your personal data for the following purposes:

How long will we keep your personal data?

The personal data collected is processed in strict compliance with the applicable legislation and stored in specific databases created for this purpose.

The period for which the data is stored and retained will be as long as necessary for the purposes for which it was collected, as identified above.

What rights do data subjects have?

Under applicable law, a data subject has the rights set out below with regard to the processing of their personal data.

In view of the above, you may request, at any time, access to personal data concerning you, as well as its rectification, deletion or limitation of its processing, the portability of your data, or object to its processing (with the exception of data strictly necessary for the provision of the service), or by written request addressed to Livo via e-mail

In accordance with the law, you are also guaranteed the right to withdraw your consent to the processing of data whose consent constitutes the basis for the lawfulness of the respective processing. To this end, you have the right to withdraw your consent at any time, which does not, however, invalidate the processing carried out up to that date on the basis of the consent previously given.

Without prejudice to any other administrative or judicial remedy, the data subject has the right to lodge a complaint with the Portuguese National Data Protection Commission (CNPD) or other competent supervisory authority under the law, if he considers that his data is not being processed legitimately by Livo, under the terms of the applicable legislation and this Policy.

Under what circumstances is data communicated to other entities?

Livo uses other organisations to provide certain services. Such provision of services may involve access by these entities to your personal data. Livo ensures that such processors provide sufficient guarantees for the implementation of appropriate technical and organisational measures so that the processing meets the requirements of applicable law and ensures the security and protection of the rights of data subjects, in accordance with the processing agreement concluded with these processors.

Livo may also transmit your personal data to third parties when it deems such data communications to be necessary or appropriate under applicable law, in fulfilment of legal obligations/court orders, or to respond to requests from public or government authorities (such as the CNPD or the Tax Authority, for example).

Under what circumstances may your data be subject to International Transfers?

The provision of services by Livo may involve the transfer of your personal data to third countries (which do not belong to the European Union or the European Economic Area).

In such cases, Livo will implement the necessary and appropriate measures under applicable law to ensure the protection of personal data subject to such a transfer, strictly complying with the legal provisions regarding the requirements applicable to such transfers, in particular by informing Customers in this regard.

DPO contact

For clarification of your data protection rights, you may contact Livo’s Data Protection Officer (DPO) at

Last update: 09.08.2023