Terms of Use

1. Acceptance of Terms

By accessing and using the website kredanorio.com (the "Website"), you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please discontinue use of the Website.

These Terms of Use are governed by Spanish law, including Law 34/2002 of 11 July on Information Society Services and Electronic Commerce (LSSI-CE), and applicable European Union legislation.

2. About This Website

This Website is operated by Kredanorio, a financial education training center based at Pl. la Constitución, 7, 41970 Santiponce, Sevilla, Spain (NIF: R32511498).

The content on this Website is provided for informational and educational purposes only. It describes the financial education seminars and programs offered by Kredanorio. Nothing on this Website constitutes financial, investment, legal, or tax advice. Visitors should consult qualified professionals for advice specific to their circumstances.

3. Permitted Use

You may access and use this Website for personal, non-commercial purposes to obtain information about Kredanorio's educational programs. You agree not to:

• Use the Website in any way that violates applicable laws or regulations.
• Reproduce, distribute, or commercially exploit any content from this Website without prior written permission.
• Attempt to gain unauthorised access to any part of the Website or its underlying systems.
• Transmit any unsolicited or unauthorised advertising or promotional material.
• Use automated tools to scrape, crawl, or extract data from this Website without permission.
• Engage in any conduct that could damage, disable, or impair the Website's operation.

4. Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, images, layout, and code, is the property of Kredanorio or its licensors and is protected under Spanish intellectual property law (Real Decreto Legislativo 1/1996, de 12 de abril, por el que se aprueba el Texto Refundido de la Ley de Propiedad Intelectual) and applicable international treaties.

You may not reproduce, modify, distribute, display, or create derivative works from any content on this Website without express prior written consent from Kredanorio.

5. Educational Content Disclaimer

The financial calculators, seminar descriptions, frameworks, and all other content on this Website are provided solely for educational and illustrative purposes. They are designed to support learning and understanding of financial concepts.

Nothing on this Website should be interpreted as financial advice, investment recommendations, tax guidance, or any other form of professional advice. Kredanorio does not provide personalised financial or investment advice. Results from calculators are illustrative estimates only and should not be used as the basis for financial decisions.

Visitors are encouraged to seek advice from appropriately qualified and regulated financial professionals before making any financial decisions.

6. Limitation of Liability

To the fullest extent permitted by applicable law, Kredanorio shall not be liable for any direct, indirect, incidental, consequential, or other damages arising from your use of, or inability to use, this Website or its content.

Kredanorio does not warrant that the Website will be available at all times, free from errors, or that any defects will be corrected. The Website is provided on an "as is" and "as available" basis.

Kredanorio is not responsible for the content of any external websites linked from this Website. Links to third-party websites are provided for convenience only and do not imply endorsement.

7. Links to Third-Party Websites

This Website may contain links to external websites operated by third parties. These links are provided for reference and convenience purposes only. Kredanorio has no control over the content, privacy practices, or availability of linked websites and accepts no responsibility for them.

8. Modifications to the Website and Terms

Kredanorio reserves the right to modify, suspend, or discontinue any aspect of this Website at any time without notice. We also reserve the right to amend these Terms of Use at any time. Continued use of the Website after any amendments constitutes acceptance of the revised terms.

The date at the top of this page indicates when these terms were last updated.

9. Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of Spain. Any disputes arising from or in connection with these terms or the use of this Website shall be subject to the exclusive jurisdiction of the courts of Sevilla, Spain, unless mandatory consumer protection law provides otherwise.

10. Contact

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

Email: info@kredanorio.com
Address: Pl. la Constitución, 7, 41970 Santiponce, Sevilla, Spain
Phone: +34 854 788 104