Terms of Service
Last updated: January 2026
These Terms of Service govern the use of the website operated by Lopez Financial Consulting S.L. ("we", "the practice"), CIF B-87654321, Calle de Serrano 45, 28001 Madrid, Spain. By using this website you accept these terms. If you do not agree, please do not use the site.
1. Nature of the content
The content of this website — including articles, service descriptions and any tools or examples — is provided for general informational and educational purposes only. It does not constitute financial, investment, legal or tax advice, and it does not take into account your personal circumstances. Investing involves risk, including possible loss of principal. Content on this site is educational and is not financial advice. Personalised recommendations are provided only within a formal consulting engagement under a separate written agreement.
2. Services
Descriptions and from-prices shown on the Services page are indicative. The exact scope, duration and fee of any engagement are agreed in writing before work begins. Submitting the contact form does not create a client relationship or any obligation on either side.
3. No guarantees
We do not guarantee any particular financial outcome, return, saving or debt reduction result. Outcomes depend on each client's circumstances and on factors outside anyone's control, including market conditions. Any figures in articles or examples are illustrations, not promises.
4. Intellectual property
All text, design, logos and images on this site are the property of Lopez Financial Consulting S.L. or used with permission. You may read and share links to our content, but you may not reproduce, republish or commercially exploit it without prior written consent.
5. Acceptable use
You agree not to misuse this website: no attempts to disrupt its operation, no automated scraping at abusive volumes, no submission of unlawful or fraudulent content through the contact form, and no use of our contact details for unsolicited marketing.
6. Limitation of liability
To the maximum extent permitted by Spanish law, Lopez Financial Consulting S.L. is not liable for indirect or consequential damages, lost profits, or decisions taken in reliance on the general content of this website. Our aggregate liability arising from the use of this site is limited to the amount you paid us, if anything, for the service giving rise to the claim. Nothing in these terms excludes liability that cannot be excluded by law, including liability for wilful misconduct or gross negligence.
7. Third-party content
This website does not rely on third-party advertising or embedded third-party content. If we ever link to external sites, we are not responsible for their content or privacy practices.
8. Privacy and cookies
The processing of personal data through this site is described in our Privacy Policy, and the use of cookies in our Cookie Policy, both of which form part of these terms.
9. Changes
We may update these terms from time to time. The version published on this page, identified by its "Last updated" date, is the one in force. Continued use of the site after an update constitutes acceptance of the new terms.
10. Governing law and jurisdiction
These terms are governed by the laws of Spain. Any dispute arising from the use of this website shall be submitted to the courts of Madrid, Spain, unless mandatory consumer protection rules provide for a different jurisdiction.
11. Contact
Questions about these terms: info@joseandreslopez.com · +34 910 123 456 · Calle de Serrano 45, 28001 Madrid, Spain.