1. Identification and Purpose
These Terms of Service govern access to and use of the website movanterato.com and the household financial advisory services offered by Movanterato (NIF: E10581311), with registered address at C. Vitoria, 167, 09007 Burgos, Spain. Contact: info@movanterato.com / +34 947 027 625.
By accessing this website or using our services, you accept these Terms in full. If you do not agree with any part of these Terms, you should not use this website or our services.
These Terms are governed by Spanish law, including the Ley 34/2002 de Servicios de la Sociedad de la Información y de Comercio Electrónico (LSSI-CE) and the Real Decreto Legislativo 1/2007 (Ley General para la Defensa de los Consumidores y Usuarios).
2. Nature of the Services
Movanterato provides domestic financial advisory services. These services consist of personalised consultations delivered online via video call, focused on helping households understand their financial situation, organise their budget, set savings goals and develop expense management strategies.
These services are informational and educational in nature. They do not constitute:
- Investment advice or portfolio management within the meaning of MiFID II or the Spanish Securities Market Act (Ley del Mercado de Valores).
- Tax advice or tax preparation services.
- Legal advice or legal representation.
- Insurance brokerage or financial product sales.
- Credit intermediation or mortgage advice within the meaning of Directive 2014/17/EU.
Any information provided during sessions is based on the information you share with us and is intended to help you understand and organise your household finances. It does not replace professional advice from regulated financial advisors, tax professionals or legal advisors where such advice is required.
3. Website Use Conditions
You may use this website for lawful purposes only. You agree not to:
- Use the website in any way that breaches applicable local, national or international law or regulation.
- Transmit any unsolicited or unauthorised advertising or promotional material.
- Knowingly transmit any data or material that contains viruses, Trojan horses, worms or other malicious or harmful programs.
- Attempt to gain unauthorised access to any part of the website or its related systems.
- Use automated tools to scrape, crawl or extract content from the website without our prior written consent.
We reserve the right to restrict or terminate access to the website for any user who violates these conditions.
4. Intellectual Property
All content on this website, including but not limited to text, graphics, logos, images, icons, and the selection and arrangement of content, is the property of Movanterato or its content suppliers and is protected by applicable intellectual property laws, including the Real Decreto Legislativo 1/1996 (Ley de Propiedad Intelectual) and Regulation (EU) 2017/1001 on the European Union trade mark.
You may view, download and print content from this website for your personal, non-commercial use only. You may not reproduce, redistribute, republish, transmit, modify or create derivative works from any content on this website without our prior written consent.
5. Service Engagement and Cancellation
Advisory sessions are arranged by mutual agreement following initial contact. Details of session scheduling, duration and any applicable fees are communicated directly to you before any service engagement is confirmed.
Cancellation of scheduled sessions should be communicated at least 24 hours in advance where possible. We will communicate our cancellation and rescheduling policy to you at the time of booking.
We reserve the right to decline or discontinue service to any user at our reasonable discretion.
6. Disclaimer of Warranties
This website and its content are provided on an "as is" and "as available" basis. We make no representations or warranties of any kind, express or implied, regarding the completeness, accuracy, reliability, suitability or availability of the website or the information it contains.
The informational content on this website, including guides and articles, is provided for general educational purposes. It does not take into account your individual financial circumstances and should not be relied upon as a substitute for personalised professional advice.
We do not warrant that the website will be uninterrupted, error-free or free from viruses or other harmful components.
7. Limitation of Liability
To the extent permitted by applicable law, Movanterato shall not be liable for any indirect, incidental, special, consequential or punitive damages arising out of or in connection with your use of this website or our services, including but not limited to loss of income, loss of data or loss of opportunity.
Nothing in these Terms limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded under applicable law.
In any event, our total liability to you in connection with the services shall not exceed the amount paid by you for the specific service giving rise to the claim.
8. Third-Party Links
This website may contain links to third-party websites for informational purposes. These links are provided for your convenience and do not signify our endorsement of those websites or their content. We have no control over the content of linked websites and accept no responsibility for them or for any loss or damage that may arise from your use of them.
9. Governing Law and Jurisdiction
These Terms are governed by the laws of Spain. Any dispute 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 Burgos, Spain, without prejudice to any mandatory consumer protection rights you may have under applicable law.
If you are a consumer resident in the European Union, you may also have the right to use the EU Online Dispute Resolution platform at ec.europa.eu/consumers/odr.
10. Modifications to These Terms
We may revise these Terms of Service at any time by updating this page. The date at the top of this page indicates when the Terms were last updated. Your continued use of the website after any changes constitutes your acceptance of the revised Terms. We encourage you to review these Terms periodically.
For any questions regarding these Terms, contact us at info@movanterato.com or by post to C. Vitoria, 167, 09007 Burgos, Spain.