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Legal Notice (Aviso Legal)

In compliance with Law 34/2002 (LSSI-CE) — Last updated: 5 April 2026

1. Identifying Information

In compliance with Article 10 of Law 34/2002, of 11 July, on Information Society Services and Electronic Commerce (LSSI-CE), the following information is provided about the entity responsible for this website:

  • Organisation name: Solvenerato
  • Legal form: Non-profit educational association (Asociación)
  • NIF: G44564162
  • Registered address: C. González Adalid, 3, 30001 Murcia, Spain
  • Website: solvenerato.com

2. Contact Information

  • Phone: +34 868 188 927
  • Email: info@solvenerato.com
  • Postal address: C. González Adalid, 3, 30001 Murcia, Spain

Enquiries submitted through the contact form or by email are handled during normal working hours. Response times may vary.

3. NIF and Registration Details

NIF: G44564162

Registration: Registered in the Registry of Associations of the Region of Murcia. Tomo 12, Libro 4, Folio 87, Sección 1, Hoja MU-4821, Inscripción 1.

This entity operates as a non-profit educational project and is subsidised by local public entities in the Region of Murcia. It does not engage in commercial activity of any kind.

4. Business Activity

Solvenerato is a financial education school for families in situations of economic vulnerability. Its activities consist exclusively of:

  • Organising and delivering free in-person financial literacy workshops at civic centers in Murcia.
  • Providing educational information on household budget planning, debt prevention, and access to social benefits.
  • Operating an informational website describing the programme and its activities.

Solvenerato does not provide financial services, credit intermediation, investment advice, insurance services, or any other regulated financial activity. No financial products are sold or recommended. This project is not subject to financial services regulation.

5. Intellectual Property

All content on this website, including texts, images, graphics, logos, icons, and design elements, is protected under the Spanish Intellectual Property Act (Real Decreto Legislativo 1/1996, of 12 April) and applicable European Union law.

Reproduction, distribution, public communication, or transformation of any content without prior written authorisation from Solvenerato is prohibited. Partial reproduction for educational or informational purposes, with appropriate attribution, may be permitted upon written request.

6. Data Protection

Personal data collected through this website is processed in accordance with Regulation (EU) 2016/679 (GDPR) and Organic Law 3/2018 (LOPDGDD). The data controller is Solvenerato (NIF: G44564162), C. González Adalid, 3, 30001 Murcia.

Data is collected solely through the voluntary submission of the contact form and is used exclusively to respond to enquiries. Data is not shared with third parties for commercial purposes. Users may exercise their rights of access, rectification, erasure, restriction, portability, and objection by writing to info@solvenerato.com.

Complaints may be submitted to the Spanish Data Protection Authority (AEPD) at www.aepd.es.

For full details, see the Privacy Policy.

7. Cookies

This website uses cookies in accordance with Law 34/2002 (LSSI-CE) and GDPR. Strictly necessary cookies are placed without prior consent. Optional cookies require your explicit consent, which is collected through the cookie preference panel displayed on first visit.

For full details, see the Cookie Policy.

8. Liability

Solvenerato makes reasonable efforts to ensure the accuracy and currency of information on this website. However, the website is provided on an "as available" basis without warranty of any kind. Solvenerato accepts no liability for any loss or damage arising from reliance on website content, technical interruptions, or errors.

Links to third-party websites are provided for informational purposes only. Solvenerato does not endorse or accept responsibility for the content of external websites.

9. Applicable Law and Jurisdiction

This Legal Notice is governed by Spanish law. Any dispute arising from access to or use of this website shall be subject to the jurisdiction of the courts of Murcia, Spain, unless mandatory consumer protection law provides otherwise.

For online dispute resolution within the European Union, users may consult the European Commission's ODR platform at ec.europa.eu/consumers/odr.

10. Modifications

Solvenerato reserves the right to update this Legal Notice at any time to reflect changes in applicable law or organisational circumstances. The updated version will be published on this page. Continued use of the website following any update constitutes acceptance of the revised notice.

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Free financial education workshops for families. Subsidised by local public entities in Murcia.

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No financial services or credit intermediation provided. Purely educational project.