Terms of Use

Clause 1 — Website Owner and Purpose

This Website is operated by Solvenerato, a financial education project with registered address at C. González Adalid, 3, 30001 Murcia, Spain (NIF: G44564162).

The Website is provided for purely informational and educational purposes. It describes the financial education programme offered by Solvenerato. No financial services, credit brokerage, investment advice, or regulated financial activity of any kind is offered or provided through this Website or through any workshop session.

Clause 2 — Intellectual Property

All content on this Website, including but not limited to text, images, graphics, logos, icons, and design elements, constitutes intellectual property of Solvenerato or its licensors and is protected under applicable Spanish and European intellectual property law, including the Ley de Propiedad Intelectual (Real Decreto Legislativo 1/1996).

Users may access and view Website content for personal, non-commercial use. Reproduction, distribution, modification, or public communication of any content without prior written authorisation from Solvenerato is prohibited.

Clause 3 — Acceptable Use

Users agree to use this Website in accordance with applicable law, these Terms, and generally accepted standards of conduct. The following uses are expressly prohibited:

• Using the Website for any unlawful purpose or in any manner that could damage, disable, or impair the Website.
• Attempting to gain unauthorised access to any part of the Website or its underlying systems.
• Transmitting any harmful, offensive, or disruptive content via the contact form.
• Using automated tools to scrape, crawl, or extract data from the Website without authorisation.
• Misrepresenting your identity or affiliation when submitting enquiries.

Clause 4 — Disclaimer of Financial Advice

All content on this Website is educational and informational in nature. Nothing on this Website constitutes financial advice, investment advice, tax advice, legal advice, or any other form of regulated professional advice.

Solvenerato does not hold any licence to provide financial services, credit intermediation, or investment advice under Spanish or European law. Users who require personalised financial guidance should consult a regulated professional or the relevant public authority.

Clause 5 — Limitation of Liability

Solvenerato makes reasonable efforts to ensure the accuracy and currency of information on this Website. However, information is provided without warranty of any kind. Solvenerato shall not be liable for any loss or damage arising from reliance on Website content, technical errors, or interruptions to Website availability.

Links to third-party websites, where provided, are offered for convenience only. Solvenerato does not endorse or accept responsibility for the content of external sites.

Clause 6 — Modifications

Solvenerato reserves the right to modify these Terms of Use at any time. The updated version will be published on this page with a revised date. Continued use of the Website after any modification constitutes acceptance of the updated Terms.

Clause 7 — Governing Law and Jurisdiction

These Terms of Use are governed by Spanish law. Any disputes 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 rules provide otherwise.

For the purposes of online dispute resolution, users in the European Union may also refer to the European Commission's ODR platform at ec.europa.eu/consumers/odr.

Clause 8 — Contact

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

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