Terms of Service

Last Updated: 7 March 2026

1. Introduction and Acceptance

These Terms of Service govern your access to and use of the FinanzaHoy website located at finanzahoy.com and all associated content, tools, and educational resources (collectively, the "Platform"). By accessing or using the Platform, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, please do not use the Platform.

FinanzaHoy is operated by the entity identified in our Aviso Legal, with registered address at C. de Almagro, 30, Chamberí, 28010 Madrid, Spain. NIF: D80969024.

2. Nature of the Service

FinanzaHoy is a financial education platform. The content provided — including courses, guides, tools, calculators, and articles — is informational and educational in nature. It is intended to help autónomos and freelancers in Spain develop a better understanding of financial concepts relevant to their professional situation.

Nothing on this Platform constitutes professional financial, accounting, tax, or legal advice. The educational content is general in nature and may not apply to your specific circumstances. For decisions with significant financial or legal consequences, you should consult a qualified professional (such as a gestor, asesor fiscal, or abogado) licensed to practise in Spain.

3. Eligibility

The Platform is intended for use by adults aged 18 or over. By using the Platform, you confirm that you are at least 18 years of age. If you are accessing the Platform on behalf of a business entity, you confirm that you have authority to bind that entity to these Terms.

4. Acceptable Use

You agree to use the Platform only for lawful purposes and in a manner that does not infringe the rights of others. You must not:

• Use the Platform in any way that violates applicable Spanish or EU law
• Attempt to gain unauthorised access to any part of the Platform or its underlying systems
• Copy, reproduce, distribute, or create derivative works from Platform content without our prior written permission
• Use automated tools to scrape or extract content from the Platform
• Transmit any material that is harmful, defamatory, or otherwise objectionable

5. Intellectual Property

All content on the Platform — including text, graphics, course materials, guides, tools, logos, and design elements — is the intellectual property of FinanzaHoy or its licensors, protected under Spanish and EU intellectual property law. You may access and use this content for your own personal, non-commercial educational purposes. No other use is permitted without express written consent.

6. Disclaimer of Warranties

The Platform and all content are provided "as is" and "as available" without warranties of any kind, express or implied. FinanzaHoy does not warrant that the Platform will be uninterrupted, error-free, or free of harmful components. We do not warrant the accuracy, completeness, or currency of any educational content, though we make reasonable efforts to keep information up to date.

Tax laws and regulations in Spain change frequently. Content that was accurate at the time of publication may become outdated. Always verify current rules with official sources (Agencia Tributaria, Seguridad Social) or a qualified professional.

7. Limitation of Liability

To the fullest extent permitted by applicable law, FinanzaHoy shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Platform or its content. This includes any losses arising from reliance on educational content that does not apply to your specific situation. Our total liability for any claim arising from your use of the Platform shall not exceed the amount you paid to access the Platform in the twelve months preceding the claim.

8. External Links

The Platform may contain links to third-party websites, including official government resources such as the Agencia Tributaria and Seguridad Social websites. These links are provided for informational purposes only. FinanzaHoy does not control and is not responsible for the content, privacy practices, or availability of third-party websites.

9. Changes to the Platform and Terms

We reserve the right to modify, suspend, or discontinue any part of the Platform at any time without prior notice. We may also update these Terms from time to time. Continued use of the Platform after any changes constitutes your acceptance of the revised Terms. We will update the "Last Updated" date when changes are made.

10. Governing Law and Jurisdiction

These Terms are governed by the laws of Spain. Any disputes arising from or relating to these Terms or your use of the Platform shall be subject to the exclusive jurisdiction of the courts of Madrid, Spain, without prejudice to mandatory consumer protection provisions that may apply in your jurisdiction.

11. Contact

For any questions about these Terms, contact us at:
FinanzaHoy, C. de Almagro, 30, Chamberí, 28010 Madrid, Spain
Email: info@finanzahoy.com | Phone: +34 911 334 273