LEGAL NOTICE
This website has been designed by Financial North Real Estate Capital Experts, S.L. to provide users with information about the various activities, products and services — its own and those of third parties — that it makes available.
This document sets out the conditions of use, the limitations of liability and the obligations that the User of the website published under the domain name financialnorth.com assumes and undertakes to comply with.
This text covers and provides information on:
1. Identifying details of the website owner
2. Definitions
3. Availability of the website
4. Terms of use
5. Availability of contents
6. • Reproduction of contents
7. Reproduction of contents
8. Industrial and intellectual property
9. Security measures
10. Cookies
11. Protection of personal data
12. Limitation of liability
13. Partial nullity
14. Jurisdiction
15. Applicable law
1. IDENTIFYING DETAILS OF THE WEBSITE OWNER
In compliance with its information duties, Financial North Real Estate Capital Experts, S.L. (hereinafter the OWNER), as the owner of the website www.financialnorth.com (hereinafter the WEBSITE), provides the following identifying details:
Company name: Financial North Real Estate Capital Experts, S.L.
Tax identification number (NIF): B26650176
E-mail address: financialnorth@protecciondedatos.info
Postal address: Avda. Asunción, 32 5ª, 38007 Santa Cruz de Tenerife, Spain
Telephone: 685528734
Commercial Registry: Mercantile Registry of Santa Cruz de Tenerife, Volume 8, Sheet TF 77013, Entry 1 (31.03.26).
Status as a real estate credit intermediary
Financial North Real Estate Capital Experts, S.L. is registered with the Register of Real Estate Credit Intermediaries and Real Estate Lenders of the Banco de España (Bank of Spain), pursuant to Law 5/2019, of 15 March, on real estate credit contracts (“LCCI”), under registration number E595. The supervisory authority is the Banco de España.
For the purposes of Article 4.7 of the LCCI, Financial North acts as a non-tied real estate credit intermediary.
In accordance with Article 30 of the LCCI, Financial North holds professional civil liability insurance taken out with Lloyd’s Insurance Company, S.A., policy number BASWZ1770653724250, covering damages arising from the performance of its intermediation activity.
Nature of the services provided
Financial North’s activity consists of the intermediation and structuring of real estate credit transactions within the meaning of Article 4.5 of the LCCI. Financial North does not provide advisory services within the meaning of Article 4.20 of the LCCI, and does not use the designations “independent advisory” or “independent advisor”, which are reserved by Article 19.6 of that Law.
Customer Service and complaints
In accordance with Order ECC/2502/2012 and the rules on transparency and protection of banking customers, Financial North operates a Customer Service Department to which Users may direct enquiries, complaints and claims, at the following address: reclamaciones@financialnorth.com. Once two months have elapsed from the submission of a complaint to the Customer Service Department without a response, or if the response is unsatisfactory, the claimant may apply to the Complaints Service of the Banco de España (calle Alcalá 48, 28014 Madrid), in accordance with the procedure provided for in its rules.
2. DEFINITIONS
Among other terms, the following are used:
“Website”: the domain or domains made available to the Internet User.
“User”: a natural person who uses or browses the Website.
“Contents”: the pages comprising the entirety of the domain, which contain the information and services that the Owner makes available to the Internet User. They include messages, texts, photographs, graphics, icons, logos, technology, links, textures, drawings, sound and/or image files, recordings, software, look and feel, graphic design and source code, and in general any kind of material contained in the Website.
“Web”: a technical term describing the system for accessing information via the Internet, configured by means of pages built using HTML, ASP or similar languages, and programming mechanisms such as Java, JavaScript, PHP and others. The pages designed and published under an Internet domain name are the result of the information that the Owner makes available to the Internet User.
“Links, hyperlinks, etc.”: a technique by which the User may navigate between different pages of the Website, or across the Internet, with a single click on the text, icon, button or marker containing the link.
“Cookies”: a technical means for tracking and monitoring browsing on websites. They are small text files written on the User’s computer.
3. AVAILABILY OF THE WEBSITE
Financial North Real Estate Capital Experts, S.L. does not guarantee uninterrupted or error-free access, although it will implement technical measures to prevent disruptions.
Financial North Real Estate Capital Experts, S.L. does not warrant that the website or its contents will be free from interruptions or errors, nor that the contents are up to date, but it will use its best efforts to prevent, remedy or update them where appropriate. It therefore accepts no liability for any damages or losses suffered by the User as a result of failures or disconnections in telecommunications networks causing the suspension, cancellation or interruption of the website service, whether during the provision of the service or beforehand.
The Owner excludes, save for the exceptions provided for under applicable legislation, any liability for damages and losses of any kind that may result from the lack of availability, continuity or quality of the operation of the website or the contents, or from the failure to meet any expectation of usefulness that the User may have attributed to them.
Access to the website does not entail any obligation on the part of the Owner to monitor for the absence of viruses, worms or any other harmful computer element. It is the User’s responsibility to have appropriate tools for detecting and removing harmful software. Accordingly, Financial North Real Estate Capital Experts, S.L. accepts no liability for any security failures that may occur during the provision of the website service, nor for any damage that may be caused to the User’s or third parties’ IT systems (hardware and software), or to the files or documents stored therein, as a result of the presence of viruses on the User’s computer used to connect to the services and contents of the Website, the malfunctioning of the browser, or the use of out-of-date versions of it.
4. TERMS OF USE
ACCEPTANCE: Access to the website implies full acceptance of this Legal Notice. If you do not agree with it, please refrain from using the website.
UPDATES: The Owner may modify these terms. Please review them periodically.
PROHIBITIONS: By way of example and without limitation, using the website for unlawful or harmful purposes, reproducing contents without express authorisation, or compromising the security of the site or of other Users.
Mere use of the website confers User status, whether on a natural or legal person, and necessarily entails the full, complete and unreserved acceptance of each of the clauses and general conditions set out in this Legal Notice. If the User does not agree with the clauses and conditions of use of this Legal Notice, the User shall refrain from using the website.
This Legal Notice is subject to changes and updates, so the version published by the Owner may differ on each occasion the User accesses the website. The User must therefore read this Legal Notice each time they access the website.
Through the website, Financial North Real Estate Capital Experts, S.L. provides the User with access to and use of various contents published over the Internet by the Owner or by authorised third parties.
The User is required and undertakes to use the website and the contents in accordance with applicable legislation, this Legal Notice, and any other notices or instructions made known to them, whether through this Legal Notice or anywhere else within the contents that make up the Website, as well as in accordance with generally accepted standards of conduct and good morals.
To this end, the User undertakes NOT to use any of the contents for unlawful purposes or effects, those prohibited under this Legal Notice or by applicable legislation, those harmful to the rights and interests of third parties, or those that may in any way damage, render unusable, overload, deteriorate or impair the normal use of the contents, computer equipment, or documents, files and any kind of contents stored on any IT equipment owned or contracted by the Owner, by other Users or by any Internet user (hardware and software).
5. AVAILABILITY OF CONTENTS
The provision of the website service and the contents is, in principle, of indefinite duration. Notwithstanding the above, Financial North Real Estate Capital Experts, S.L. may at any time terminate or suspend the provision of the website service and/or any of its contents.
6. LIABILITY OF CONTENTS
This website may contain links or hyperlinks to external websites, provided exclusively for informational purposes for the User and intended to make the existence of other sources related to the subject matter known. The inclusion of such links does not in any case imply a suggestion, recommendation or endorsement on the part of Financial North Real Estate Capital Experts, S.L.
Financial North Real Estate Capital Experts, S.L. accepts no responsibility for the lawfulness of third-party websites from which this website may be accessed, nor of those that may be linked from this website.
Likewise, Financial North Real Estate Capital Experts, S.L. assumes no liability for the content of such linked pages, nor for their operation, usefulness or results. It also does not warrant the absence of viruses or other elements that may cause alterations to the User’s IT system (hardware or software), documents or files, and is exempt from any liability for damages that may arise from such circumstances.
7. REPRODUCTION OF CONTENTS
Save for the situations covered by applicable intellectual property legislation, in particular the right of quotation and the other lawful uses provided for under the Consolidated Text of the Spanish Intellectual Property Act (Royal Legislative Decree 1/1996), the User undertakes not to reproduce, distribute, publicly communicate, transform or commercially exploit, in whole or in part, the contents of the website without the prior, express and written authorisation of the holder of the corresponding rights.
Likewise, in line with the foregoing, the User may not:
• Reproduce, copy, distribute, make available in any way, communicate publicly, transform or modify the contents, except where prior, express written authorisation of the rightsholder is obtained or where this is permitted by law.
• Remove, manipulate or in any way alter the “copyright” and other identifying details of the rights reserved by the Owner or by the relevant rightsholders, nor any digital fingerprints and/or identifiers, or any other technical means established for their recognition.
The User shall refrain from obtaining, or even attempting to obtain, the contents using means or procedures other than those made available for that purpose or expressly indicated on the web pages where they are located, or those usually employed on the Internet for that purpose, provided that they do not entail a risk of damage or rendering the website and/or contents unusable.
8. INDUSTRIAL AND INTELLECTUAL PROPERTY
Intellectual and industrial property rights mean all those recognised by applicable legislation in the relevant area, both in their patrimonial and exploitation aspects, for any purpose and modality of use. They also include the right to apply for the registrations and entries necessary for obtaining or protecting such rights (hereinafter, the “Intellectual and Industrial Property Rights”).
The use for commercial purposes of any element subject to intellectual or industrial property rights, as well as their distribution, modification, alteration or decompilation, is strictly prohibited unless expressly authorised by the rightsholder.
The names, designs, logos, products and/or services appearing on this website are registered trademarks or are protected as the property of Financial North Real Estate Capital Experts, S.L. or of third parties, as applicable. Their use by persons other than the legitimate rightsholder, without the latter’s prior and express consent, is not permitted.
The User undertakes to respect the intellectual and industrial property rights of third parties and shall be solely liable for any improper use that may be made of them.
The infringement of any of these rights may constitute a violation of these terms and an offence punishable under applicable Spanish legislation.
9. SECURITY MEASURES
The Owner has adopted the levels of security legally required for the protection of Personal Data, and undertakes to implement all additional means and technical measures within its reach in order to prevent the loss, misuse, alteration, unauthorised access or theft of the Personal Data provided.
Notwithstanding the foregoing, the Owner shall not be liable for any damages or losses that may arise from interferences, omissions, interruptions, computer viruses, telephone failures or disconnections in the operation of the electronic system, where such facts originate from causes beyond its control. Nor shall it be liable for delays or blockages in the use of this electronic system caused by deficiencies or overloads in telephone lines, the Data Processing Centre, the Internet system or other electronic systems, or for damage that may be caused by third parties through unlawful intrusions outside its control.
In any event, the User must be aware that security measures on the Internet are not impregnable.
10. COOKIES
This website may use first-party and third-party cookies. If they are used, you will be informed clearly upon your first access by means of an information banner, where you may:
• Learn their precise purpose (e.g. functionality, traffic analysis, personalisation).
• Accept, configure or reject them according to your preferences.
• Access our full Cookies Policy, with details on their types, duration and management.
Your choice will be saved, and you may modify it at any time by following the indications.
This website may contain links to third-party sites with their own policies. When accessing them, we recommend that you:
• Review their legal notices, since we do not control their cookies or data processing.
• Manage third-party cookies directly in your browser.
11. PROTECTION OF PERSONAL DATA
Collection of data
Through this website, no personal data are collected without your explicit knowledge, nor are they transferred to third parties without your prior consent.
When and how we collect data
During your browsing, you may provide us with personal data through: enabled forms (contact, registration, subscription, etc.) and/or e-mail communications.
In any case, you will be informed of: the purpose of the processing (why we collect the data), the legal basis (consent, legitimate interest, etc.), the rights to which you are entitled (access, rectification, etc.) and any further information required.
Data controller
Data will be incorporated into the files under the responsibility of:
Financial North Real Estate Capital Experts, S.L.
Address: Avda. Asunción, 32 5ª, 38007 Santa Cruz de Tenerife
E-mail: financialnorth@protecciondedatos.info
Rights of the data subject
In accordance with the applicable data protection legislation, the data subject may exercise the rights of access, rectification, erasure, restriction of processing, portability and objection, as well as withdraw the consent previously given, by addressing their request to Financial North Real Estate Capital Experts, S.L. — Ref.: Data Protection — with registered office at Avda. Asunción, 32 5ª, 38007 Santa Cruz de Tenerife, or by e-mail to financialnorth@protecciondedatos.info.
Data Protection Officer
Financial North Real Estate Capital Experts, S.L. has appointed a Data Protection Officer. The DPO may be contacted in writing addressing Financial North Real Estate Capital Experts, S.L. — Ref.: Data Protection Officer — at Avda. Asunción, 32 5ª, 38007 Santa Cruz de Tenerife, or by e-mail to financialnorth@delegado-protecciondedatos.com.
Further information
For further details on data retention periods, transfers to third parties (where applicable) and security measures implemented, additional information is available at https://financialnorth.protecciondedatos.info