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Credit Solutions

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Experts in Omnichannel Digital Lending solutions, leading all credit processes’ lifecycle.

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ITS FlowCredit

Experts in Omnichannel Digital Lending solutions, leading all credit processes’ lifecycle.


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ITS Calculators

Unique and centralized calculator for all products and channels within the institution and related partners.


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ITS Risk Analysis & Scoring

A key tool to analyze the credit risk and score of corporate and personal clients.


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ITS Collections

Centralized management of credit in arrears including rehabilitation, specialized recovery, and write-off processes.


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Terms & Conditions

Terms and Conditions ("Terms") Last updated: July 09, 2015

Please read these Terms and Conditions ("Terms", "Terms and Conditions") carefully before using the www.itsector.pt website (the "Service") operated by ITSector ("us", "we", or "our"). Your access to and use of the Service is conditioned upon your acceptance and compliance with these Terms.

These Terms apply to all visitors, users and others who access or use the Service. By accessing or using the Service you agree and are bound by these Terms. If you disagree with any part of these terms, then you may not access the Service. Links to other websites. Our Service may contain links to third-party websites or services that are not owned or controlled by ITSector. ITSector has no control over, and assumes no responsibility or liability for the content, privacy policies, practices, or services of any third-party websites. You further acknowledge and agree that ITSector shall not be responsible or liable, directly, or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods, or services available on or through any such websites or services. We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

Termination. We may terminate or suspend access to our Service immediately, without prior notice or liability, for any reason, including without limitation if you breach the Terms. All provisions of the Terms which by their nature are not terminated shall survive, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Governing Law. These Terms shall be governed and construed in accordance with the laws of Portugal, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our Service and supersede and replace any prior agreements we might have between us regarding the Service.

Changes. We reserve the right, at our sole discretion, to modify or replace these Terms at any time. In the event of a material revision, we will attempt to provide at least 15 days’ notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our Service after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the Service.