Legal Notice – Mortgages for Non-Residents in Spain

Legal Notice

In compliance with Law 34/2002, of July 11, on Information Society Services and Electronic Commerce (LSSI-CE), COSMOFINANCE GESTIÓN HIPOTECARIA SL informs that it owns the website https://mortgages.cosmofinance.es/. In accordance with the requirement of Article 10 of the aforementioned Law, COSMOFINANCE GESTIÓN HIPOTECARIA SL provides the following information:

The owner of this website is COSMOFINANCE GESTIÓN HIPOTECARIA SL (also referred to as Cosmofinance), with CIF B44979359, and address at CALLE 29, NO. 53, LOCAL 1 (LA CAÑADA, PATERNA) 46182, VALENCIA, registered in the Commercial Registry of Valencia on April 19, 2023, with registration entry number 1/2023/11187, entry 1/1005/1223, and protocol 2023/1470 dated 04/04/2023. The company’s contact email is: info@cosmofinance.es.

User and Responsibility Regime

Browsing, accessing, and using the website of COSMOFINANCE GESTIÓN HIPOTECARIA SL confers the status of user, which implies acceptance of all the conditions of use stated herein, without prejudice to the application of corresponding legal regulations that may apply as necessary.

The COSMOFINANCE GESTIÓN HIPOTECARIA SL website offers a wide range of information, services, and data. The user assumes responsibility for the proper use of the website. This responsibility extends to:

The accuracy and legality of the information provided by the user in forms issued by COSMOFINANCE GESTIÓN HIPOTECARIA SL for access to certain content or services offered by the website.
The use of information, services, and data offered by COSMOFINANCE GESTIÓN HIPOTECARIA SL in violation of these terms, the law, morality, good customs, or public order, or any other way that may harm the rights of third parties or the proper functioning of the website.

Link Policy and Disclaimers

COSMOFINANCE GESTIÓN HIPOTECARIA SL is not responsible for the content of websites that the user may access through the links provided on its site and declares that under no circumstances will it examine or exercise any control over the content of other sites on the web. Likewise, it does not guarantee the technical availability, accuracy, truthfulness, validity, or legality of third-party websites accessible through the links.

COSMOFINANCE GESTIÓN HIPOTECARIA SL declares that it has adopted all the necessary measures to avoid any damages to users of its website, which may arise from browsing its website. As a result, COSMOFINANCE GESTIÓN HIPOTECARIA SL is not responsible, in any case, for any damages that the user may suffer due to browsing the internet.

Website Content

COSMOFINANCE has obtained the information and materials contained on the website from sources considered reliable. However, although reasonable steps have been taken to ensure that the information contained is correct, COSMOFINANCE does not guarantee that it is accurate, complete, or up to date and, consequently, it should not be relied upon as if it were. COSMOFINANCE expressly declines any responsibility for error or omission in the information contained on the pages of this website.

COSMOFINANCE reserves the right to modify, suspend, cancel, or restrict the content of the website, links, or the information obtained through it, without prior notice.

Under no circumstances will COSMOFINANCE, its branches, and/or its directors, employees, and authorized personnel be responsible for any kind of damage, losses, claims, or expenses of any kind, whether arising from the use of the website, from the information acquired or accessed through or via the website, from computer viruses, from operational failures or service or transmission interruptions, or from system failures. The use of the website, either through direct connection or via links or other means, constitutes a notification to any user that such events may occur.

It is forbidden to transmit or send through the website any illegal or illicit content, computer viruses, or messages that, in general, affect or infringe the rights of COSMOFINANCE or third parties.

COSMOFINANCE is not responsible for websites that are not its own, which can be accessed through links or any content made available by third parties. The use of any link or access to a non-proprietary website is done at the will and exclusive risk of the user. COSMOFINANCE does not recommend or guarantee any information obtained through a link, nor is it responsible for any loss, claim, or harm derived from the use or misuse of a link, or the information obtained through it, including other links or websites, interruptions in service or access, or attempts to use or misuse a link, both when accessing the website and when accessing information from other websites from the website.

Occasionally, this website uses cookies from both first-party and third-party sources to improve our services by analyzing your browsing habits.

Cookies are files stored on the user’s computer that browses the internet and, in particular, contain a number that allows the user’s computer to be uniquely identified, even if the location or IP address changes.

The website is accessible without the need for cookies to be activated; however, disabling them may prevent the proper functioning of the site.

If you continue browsing the website, we understand that you accept their use. We recommend that you carefully read our Cookie Policy for detailed information about the cookies used on this website, their purposes, and how to oppose or revoke your consent to their use.

Data Protection

In accordance with the provisions of Organic Law 15/1999 on Personal Data Protection (LOPD), COSMOFINANCE GESTIÓN HIPOTECARIA SL informs users of its website that personal data collected by the company, via the forms on its pages, will be entered into an automated file under the responsibility of COSMOFINANCE GESTIÓN HIPOTECARIA SL, with the aim of facilitating, streamlining, and fulfilling the commitments established between both parties.

Likewise, COSMOFINANCE GESTIÓN HIPOTECARIA SL informs users of the possibility of exercising their rights of access, rectification, cancellation, and opposition by writing to: CALLE 29, NO. 53, LOCAL 1 (LA CAÑADA, PATERNA) 46182, VALENCIA, or via email to info@cosmofinance.es.

Unless the user notifies otherwise to COSMOFINANCE GESTIÓN HIPOTECARIA SL, it will understand that the data has not been modified, that the user agrees to notify COSMOFINANCE GESTIÓN HIPOTECARIA SL of any variation, and that COSMOFINANCE GESTIÓN HIPOTECARIA SL has the consent to use the data in order to maintain the relationship between the parties.

Intellectual and Industrial Property

COSMOFINANCE GESTIÓN HIPOTECARIA SL, either on its own or as an assignee, owns all intellectual and industrial property rights of its website, as well as the elements contained therein (for example, images, sound, audio, video, software, or texts; trademarks or logos, color combinations, structure and design, selection of materials used, computer programs necessary for its operation, access, and use, etc.), owned by COSMOFINANCE GESTIÓN HIPOTECARIA SL. Consequently, all works are protected as intellectual property under the Spanish legal system, and both Spanish and EU regulations in this area, as well as international treaties related to the matter and signed by Spain, are applicable.

Reproduction, distribution, and public communication, including its modality of making available, of all or part of the contents of this website, for commercial purposes, in any medium, and by any technical means, are expressly prohibited without the authorization of COSMOFINANCE GESTIÓN HIPOTECARIA SL.

The user agrees to respect the intellectual and industrial property rights owned by COSMOFINANCE GESTIÓN HIPOTECARIA SL. Users can view the elements of the portal and even print, copy, and store them on the hard drive of their computer or any other physical medium as long as it is solely and exclusively for personal and private use. The user must refrain from deleting, altering, circumventing, or tampering with any protection device or security system installed on the pages of COSMOFINANCE GESTIÓN HIPOTECARIA SL.

Finally, the intellectual property rights and third-party trademarks are duly highlighted, and must be respected by anyone accessing this website.

Pricing Policy

The prices for our intermediation, advisory, and/or management services will depend on the product and the particular conditions of each client. In any case, we will provide a quote before the contract is signed to avoid any surprises.

Legal Actions, Applicable Legislation, and Jurisdiction

COSMOFINANCE GESTIÓN HIPOTECARIA SL reserves the right to take any civil or criminal actions it deems appropriate for the improper use of its website and content or for non-compliance with these terms.

The relationship between the user and the provider will be governed by the current regulations applicable in Spanish territory. In the event that any dispute arises, the parties may submit their conflicts to arbitration or go to the ordinary jurisdiction, complying with the rules on jurisdiction and competence in this regard. COSMOFINANCE GESTIÓN HIPOTECARIA SL is based in Valencia, Spain.