Terms of use

Golden Solstice, Lda., trading as Goldcrest — Portugal Buyer's Agent, operates this website and the Algarve Insider brand. It is a Portuguese limited company with NIPC/NIF 516359991, registered office at Avenida 24 de Julho, n.º 4, 3.º esquerdo, 1200-480 Lisboa, Portugal, and real-estate licence AMI 23310.

Algarve Insider is Enrique Arcay Hardtmann's buyer-advisory website within Goldcrest. Enrique is not a separate contracting company through this website unless a written engagement expressly says otherwise.

The website provides general information about buying property in the Algarve, a free exploratory location Matcher, and ways to request a conversation about buyer-side services. Content is prepared for international buyers and may change as market conditions, law and availability change.

The Matcher is an editorial decision aid. It compares answers with versioned area profiles and does not provide a valuation, investment forecast, mortgage decision, legal opinion, tax advice, technical survey, licensing confirmation or guarantee of available property.

Buyer-side representation, search, negotiation and coordination are provided only under a separate written mandate that identifies the scope, parties, fees, VAT treatment, duration, cancellation terms and any applicable agency remuneration.

The current published service structure is a €1,000 registration/commitment fee to begin a qualifying mandate. In a standard cooperating-agency transaction, Goldcrest may receive a share of the listing agency's agreed commission, normally described as 50/50. If that cooperation fee is not available, a separate written mandate may specify a buyer fee of 1.5% of the final purchase price, subject to a €6,000 minimum. The applicable arrangement is disclosed and agreed before an offer is made.

Property price, IMT and stamp duty, legal and tax advice, notary and registration, surveys, financing, insurance, renovation, management and other third-party costs are separate. Nothing on this website promises a particular yield, price, saving, completion date or investment outcome.

No payment is taken through the initial contact form. If online payment or a distance contract is introduced later, the required pre-contract information, withdrawal choices and any request for early performance will be shown before payment.

Legal, tax, mortgage, financial and technical conclusions must come from qualified professionals appointed by the buyer. Goldcrest can help coordinate those parties, but does not replace them.

Buyer-side advice is focused on the buyer's brief, but the company may receive commission from a cooperating estate agency where disclosed. The commercial arrangement and any buyer fee are explained before commitment; ask for clarification if anything is unclear.

You may use the website for lawful personal or business research. Do not scrape personal data, interfere with the service, submit malicious or knowingly false information, impersonate another person, or use the site to circumvent security or another person's private report.

Unless stated otherwise, the text, design, photographs, trade names and software are owned by or licensed to Golden Solstice, Lda.. Reproduction or commercial reuse requires written permission. Third-party links are provided for convenience and are not endorsements.

Personal data is handled under the Privacy Notice. Optional Google Analytics is off unless you accept it in the consent interface; preferences can be changed from the footer. The separate Cookie Policy explains the storage and analytics used by this site.

A request for a report or a reply to an enquiry is not permission for promotional marketing. Marketing messages are sent only where a lawful basis and any required prior consent exist, and include an easy unsubscribe route.

We take reasonable care with the website, but do not promise that it will always be complete, current, uninterrupted or error-free. To the extent permitted by law, we are not responsible for decisions made solely from general website content or for third-party services and information.

Nothing in these terms excludes or limits liability that cannot lawfully be excluded, removes mandatory consumer rights, or prevents a buyer from seeking professional advice or using a legally available complaint or dispute-resolution route.

We may update these terms when the service, law or providers change. The date at the top of this page identifies the current version. Portuguese law applies, subject to any mandatory rights and jurisdiction available to a consumer under applicable EU or Portuguese law.