ASF-registered insurance intermediary n.º 425591790/3 — Free review of your current policy

Terms and Conditions

Last updated: 27 July 2026

These Terms and Conditions govern access to and use of the website adlerrochefort.com, owned by Ownizo, Unipessoal Lda., which operates under the commercial brand Adler & Rochefort. By accessing and using this website, the user fully accepts these terms.

1. Entity Identification

2. Purpose

This website aims to provide information about the insurance mediation services offered by Adler & Rochefort, to enable contact between potential clients and the company, and to make available informational content about the insurance sector.

3. Website Usage

The user agrees to use the website lawfully and in accordance with these terms, applicable legislation, and good practices. The following is prohibited:

4. Insurance Intermediaryage Services

Adler & Rochefort acts as an insurance intermediary registered with the Portuguese Insurance and Pension Funds Supervisory Authority (ASF). Our services include risk analysis, comparison of insurance products from multiple insurers, negotiation of terms, and claims management support.

The information presented on the website is for informational purposes only and does not constitute financial, legal, or insurance advice. Any contracting decision should be preceded by a personalised analysis.

5. Fiscal Representation and Recurring Annual Services

In addition to insurance mediation, Adler & Rochefort coordinates fiscal representation in Portugal and related settle-in services. Fiscal representation is contracted as a recurring annual service, not as a single task. The regulated work is carried out by an independent certified accountant, who is fully responsible for it; Adler & Rochefort acts as intermediary, coordinator and single point of contact, and does not provide tax, accounting or legal advice.

5.1 Price. Fiscal representation is charged at €199 per year, VAT included. Where the service is contracted as part of the Complete settle-in package, the first-year fee is €499, VAT included, and covers the additional onboarding services described on that package; renewal years are charged at €199 per year and cover fiscal representation only. The Corporate package is a separate, non-recurring company formation service priced from €1,200 + VAT, and any ongoing accounting is contracted and billed directly by the certified accountant.

5.2 Duration. The service runs for an initial term of twelve months, beginning on the date the appointment as fiscal representative is accepted before the Portuguese Tax Authority.

5.3 Automatic renewal. At the end of each term the service renews automatically for a further twelve months, on the anniversary of the appointment, at the annual fee then applicable to fiscal representation, for as long as the client remains a non-resident for Portuguese tax purposes.

5.4 Notice before renewal. Adler & Rochefort notifies the client in writing, by email to the address held on file, no less than 30 days before each renewal date. The notice states the renewal date, the fee payable and how to cancel.

5.5 Cancellation. The client may cancel at any time before the renewal date, in writing, with no penalty, by emailing insurance@adlerrochefort.com. Cancellation is confirmed in writing. Where cancellation is received before the renewal date, the service ends at the end of the current term and no further fee is charged. Fees already paid for a term that has begun are not refundable in part, save where refund is required by law.

5.6 Non-payment. Renewal invoices are payable by the renewal date. Where payment is not received, Adler & Rochefort sends a written reminder and allows a further 15 days. If payment is still outstanding after that period, the service may be suspended and the appointment as fiscal representative resigned before the Tax Authority, and the client is notified in writing when this happens. The client remains responsible for appointing a replacement representative, or for using another means of receiving communications from the Tax Authority, where an obligation to do so applies to them.

5.7 Becoming tax resident in Portugal. The service is provided only while the client is a non-resident for Portuguese tax purposes. The client must inform Adler & Rochefort in writing on becoming tax resident in Portugal, and must update their address on the Portal das Finanças. On confirmation, the appointment is ended and the service is not renewed. No renewal fee is charged for a term beginning after the date on which written notice of the change of residence is received.

5.8 Scope. Fiscal representation covers receiving and forwarding communications from the Portuguese Tax Authority and acting as the client's registered contact. It does not include the preparation or submission of tax returns, the payment of taxes on the client's behalf, or representation in inspection, complaint or appeal proceedings, unless separately agreed in writing.

6. Intellectual Property

All website content — including texts, images, logos, design, structure, and source code — is the property of Ownizo, Unipessoal Lda. or the respective rights holders, and is protected by intellectual and industrial property legislation.

Reproduction, distribution, public communication, or transformation of the content without express written authorisation is prohibited.

7. Limitation of Liability

Adler & Rochefort strives to keep website information up to date and accurate, but does not guarantee the accuracy, completeness, or timeliness of all content. The company shall not be liable for:

8. External Links

The website may contain links to third-party websites, provided solely for the user's convenience. Adler & Rochefort does not control and is not responsible for the content, privacy policies, or practices of those websites.

9. Data Protection

The processing of personal data is governed by our Privacy Policy, which forms an integral part of these terms.

10. Contact Form

By submitting the contact form available on the website, the user declares that:

11. Amendments to the Terms

Adler & Rochefort reserves the right to amend these Terms and Conditions at any time, without prior notice. Amendments shall take effect from the date of their publication on the website. We recommend consulting this page regularly.

12. Applicable Law and Jurisdiction

These Terms and Conditions are governed by Portuguese law. For the resolution of any disputes arising from the use of this website, the courts of the Lisbon District shall have exclusive jurisdiction, with waiver of any other.

13. Contact

For questions related to these Terms and Conditions, please contact us: