Terms of Use

1 Definitions

"Website"

The website accessible at fundelento.com and all its subpages.

"User"

Any natural or legal person who accesses or uses the Website.

"Content"

All text, images, graphics, logos, videos, data, and other materials published on the Website.

"Services"

Financial coaching sessions, online training modules, and related educational resources offered by Fundelento.

"Operator"

Fundelento, the entity responsible for the Website.

2 Purpose of the Website

The Website is an informational and educational resource describing the financial coaching and training services offered by Fundelento. The content published on the Website is intended for general informational purposes only. It does not constitute financial advice, investment advice, tax advice, or any other form of regulated financial guidance. Users should seek independent professional advice appropriate to their specific circumstances before making any financial decisions.

Fundelento's coaching services focus on financial behaviour, habits, and the application of economic psychology. They are educational in nature and do not involve the provision of regulated financial advice as defined under Spanish or European financial services law.

3 Conditions of Access and Use

Access to the Website is free of charge. Users agree to use the Website in accordance with applicable law, these Terms, and generally accepted standards of conduct online. In particular, Users agree not to:

Use the Website for any unlawful purpose or in any way that could damage, disable, overburden, or impair the Website or servers or networks connected to it. Attempt to gain unauthorised access to any part of the Website or its related systems. Reproduce, duplicate, copy, sell, or exploit any portion of the Website without express written permission from the Operator. Introduce malicious code, viruses, or any other harmful material. Engage in data scraping or automated collection of content without prior consent.

4 Intellectual Property

All Content on the Website, including but not limited to text, graphics, logos, images, and the compilation thereof, is the property of Fundelento or its content suppliers and is protected by Spanish and international intellectual property law, including the Spanish Intellectual Property Act (Real Decreto Legislativo 1/1996, de 12 de abril, por el que se aprueba el texto refundido de la Ley de Propiedad Intelectual).

Users may view, download, and print Content for personal, non-commercial use only. No Content may be reproduced, distributed, modified, adapted, transmitted, displayed, performed, published, or otherwise exploited for commercial purposes without the prior written consent of the Operator.

5 Disclaimer of Warranties

The Website and its Content are provided on an "as is" and "as available" basis without any warranties of any kind, express or implied. The Operator does not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components. The Operator makes no representations or warranties regarding the accuracy, completeness, or suitability of the Content for any particular purpose.

The informational content on this Website is provided for educational purposes. It is not a substitute for professional financial advice tailored to individual circumstances.

6 Limitation of Liability

To the fullest extent permitted by applicable law, Fundelento shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from or in connection with your use of or inability to use the Website or its Content. This includes, without limitation, damages for loss of profits, data, goodwill, or other intangible losses.

Nothing in these Terms limits or excludes liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by law under Spanish consumer protection legislation.

7 External Links

The Website may contain links to third-party websites for informational purposes. These links do not constitute an endorsement of those websites or their content. The Operator has no control over the content of linked sites and accepts no responsibility for them or for any loss or damage that may arise from your use of them.

8 Privacy and Cookies

The collection and use of personal data through the Website is governed by our Privacy Policy. The use of cookies is governed by our Cookie Policy. By using the Website, you acknowledge that you have read and understood these policies.

9 Modifications

The Operator reserves the right to modify these Terms of Use at any time. Changes will be effective immediately upon publication on the Website. The date at the top of this page indicates the date of the most recent revision. Continued use of the Website following any modification constitutes acceptance of the revised Terms.

The Operator also reserves the right to modify, suspend, or discontinue any aspect of the Website at any time without prior notice.

10 Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with Spanish law. For any disputes arising from or in connection with these Terms or the use of the Website, the parties submit to the jurisdiction of the courts of Murcia, Spain, without prejudice to any mandatory consumer protection provisions that may apply under applicable law.

If you are a consumer resident in another EU member state, you may also have access to out-of-court dispute resolution through the European Commission's Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

11 Contact

For any questions regarding these Terms of Use, please contact us at:

Email:

info@fundelento.com

Post:

C. González Adalid, 3, 30001 Murcia, Spain

Phone:

+34 868 188 927