Terms of Use

1. Identification of the Service Provider

These Terms of Use govern access to and use of the website located at planificadinero.com, operated by:

• Company name: PlanificaDinero
• NIF: N92060665
• Address: Av. de Bruselas, 24, planta 1, 28109 Alcobendas, Madrid, Spain
• Email: info@planificadinero.com

2. Acceptance of Terms

By accessing or using this website, you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you should not use this website. Continued use of the website following any modification to these terms constitutes acceptance of the revised terms.

3. Nature of the Content

All content on this website is provided for educational and informational purposes only. PlanificaDinero is an online educational academy that provides courses, workshops, and resources on financial planning topics.

Nothing on this website constitutes financial advice, investment advice, legal advice, tax advice, or any other form of regulated professional advice. The content is designed to improve financial literacy and understanding, not to provide personalised recommendations. For personalised advice, you should consult a qualified professional.

4. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images, course materials, worksheets, and software, is the property of PlanificaDinero or its content suppliers and is protected by applicable intellectual property laws.

You may access and view the content for personal, non-commercial purposes. You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any content without prior written permission from PlanificaDinero.

5. Acceptable Use

When using this website, you agree not to:

• Use the website for any unlawful purpose or in violation of applicable regulations
• Attempt to gain unauthorised access to any part of the website or its systems
• Transmit any harmful, offensive, or disruptive content
• Scrape, harvest, or collect data from the website without authorisation
• Misrepresent your identity or affiliation

6. Disclaimer of Warranties

This website and its content are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. PlanificaDinero does not warrant that the website will be uninterrupted, error-free, or free from viruses or other harmful components.

While we make every effort to ensure the accuracy and currency of the information provided, we do not guarantee that all content is complete, accurate, or up to date. Financial regulations and tax laws change over time, and content may not reflect the most recent developments.

7. Limitation of Liability

To the maximum extent permitted by applicable law, PlanificaDinero shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of, or inability to use, this website or its content. This includes any financial decisions made on the basis of information obtained from this website.

8. External Links

This website may contain links to third-party websites for informational purposes. These links do not constitute endorsement of those websites or their content. We have no control over the content of external websites and accept no responsibility for them.

9. Privacy

Your use of this website is also governed by our Privacy Policy and Cookie Policy, which are incorporated into these Terms of Use by reference.

10. Modifications

PlanificaDinero reserves the right to modify these Terms of Use at any time. Changes will be effective upon posting to this page with a revised date. Your continued use of the website after changes are posted constitutes acceptance of the modified terms.

11. Governing Law and Jurisdiction

These Terms of Use are governed by Spanish law. Any disputes arising from or related to these terms or your use of the website shall be subject to the exclusive jurisdiction of the courts of Madrid, Spain, unless mandatory consumer protection laws in your country of residence provide otherwise.

12. Contact

Questions about these Terms of Use should be directed to: info@planificadinero.com