Terms of Use

1. Acceptance of Terms

By accessing and using the website fundolario.com, you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this website. These terms apply to all visitors and users of the site.

Fundolario reserves the right to modify these terms at any time. Changes will be effective upon posting. Continued use of the website after any modification constitutes acceptance of the revised terms.

2. Nature of the Service

Fundolario is a foundation that provides free informational and educational content about financial inclusion topics relevant to migrants in Spain. The information published on this website covers four primary areas: basic bank accounts, remittances, municipal registration (empadronamiento), and the Social Security system.

The content on this website is intended for informational and educational purposes only. It does not constitute legal advice, financial advice, or any form of professional consultation. Fundolario does not act as a legal representative, financial intermediary, or agent for any user. We do not process documents, manage financial transfers, or act on behalf of any individual in any official capacity.

Users are responsible for verifying information with the relevant official authorities and for making their own informed decisions based on their individual circumstances.

3. Access and Acceptable Use

Access to this website is provided free of charge. You may use this website for lawful purposes only. You agree not to:

• Use the website in any way that violates applicable local, national, or international laws or regulations.
• Transmit any unsolicited commercial communications through our contact channels.
• Attempt to gain unauthorized access to any part of the website or its underlying systems.
• Use automated tools to scrape, crawl, or systematically extract content from this website without prior written permission.
• Reproduce, distribute, or republish content from this website for commercial purposes without attribution and prior consent.

Fundolario reserves the right to restrict or terminate access to the website for users who breach these conditions.

4. Intellectual Property

All content on this website, including text, graphics, logos, icons, and design elements, is the property of Fundolario or its content suppliers and is protected by applicable intellectual property laws, including Spanish Law 22/1987 on Intellectual Property and subsequent modifications.

You may view, download, and print content from this website for personal, non-commercial use only. You must not modify, reproduce, distribute, or exploit any content from this website for commercial purposes without the express written consent of Fundolario.

The Fundolario name and logo are identifiers of the foundation. Their use without prior written authorization is not permitted.

5. Information Limitations

While Fundolario makes reasonable efforts to ensure that the information published on this website is accurate and current, we cannot guarantee that all information is complete, accurate, or up to date at all times. Laws, regulations, and administrative processes in Spain change, and information on this site may not reflect the most recent developments.

The information provided is general in nature and may not apply to every individual's specific situation. Users should consult with qualified professionals or official bodies for advice tailored to their circumstances.

6. External Links

This website contains links to external websites operated by third parties, including official government portals and international organizations. These links are provided for informational convenience. Fundolario does not control the content of external websites and accepts no responsibility for their accuracy, content, or availability. The inclusion of a link does not imply any endorsement of the linked site or its operators.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Fundolario shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, this website or the information it contains. This includes, without limitation, any reliance placed on information published on this site.

Fundolario does not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. We reserve the right to modify, suspend, or discontinue the website at any time without notice.

8. Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of Spain, including the Ley 34/2002 de Servicios de la Sociedad de la Información y de Comercio Electrónico (LSSI-CE) and other applicable Spanish and EU legislation.

Any disputes arising from or related to these terms or the use of this website shall be subject to the exclusive jurisdiction of the courts of Murcia, Spain, unless mandatory consumer protection laws in your jurisdiction provide otherwise.

If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.