Terms of Use

By accessing and using paylentario.com, you accept these Terms of Use. If you do not accept them, please do not use the website.

About this website

Paylentario is a free educational portal providing informational content on financial literacy topics including everyday economics, the Spanish banking system, and consumer rights. All content is informational only. Nothing on this website constitutes financial, legal, tax, or investment advice. We do not make recommendations about specific financial products or providers.

Permitted use

You may access and read the content on this website for personal, non-commercial educational purposes. You may download PDF guides made available for free download. You may share links to pages on this website.

You may not reproduce, republish, or redistribute content from this website in any other medium without prior written permission, except where content is explicitly made available under an open licence.

Intellectual property

All content on paylentario.com — including text, graphics, logos, icons, and downloadable guides — is the property of Paylentario or its content contributors and is protected by applicable intellectual property laws. The Paylentario name and logo are protected marks. Unauthorised use of any content or marks is prohibited.

No financial advice

The content on this website is educational and informational. It explains how financial systems, products, and regulations work. It does not take into account your individual financial situation, needs, or objectives. You should not make financial decisions based solely on content from this website. If you need personalised financial guidance, consult a qualified and regulated financial adviser.

Accuracy of information

We make reasonable efforts to ensure the accuracy of content on this website. Financial regulations and products change over time. Content may not reflect the most recent regulatory or market developments. We do not warrant that all information is current, complete, or error-free. We accept no liability for decisions made on the basis of content found on this website.

External links

This website may contain links to external websites for reference purposes. We do not control those websites and are not responsible for their content, privacy practices, or availability. Linking to an external site does not imply endorsement of its content.

Limitation of liability

To the maximum extent permitted by applicable law, Paylentario and its operators shall not be liable for any direct, indirect, incidental, or consequential loss or damage arising from your use of, or inability to use, this website or its content. This limitation applies whether the claim is based in contract, tort, or any other legal theory.

Availability

We aim to keep this website available at all times but do not guarantee uninterrupted access. We may suspend, withdraw, or restrict access to the website or any part of it for operational or maintenance reasons without notice.

Governing law

These Terms of Use are governed by Spanish law. Any disputes arising from the use of this website shall be subject to the jurisdiction of the courts of Madrid, Spain, unless mandatory consumer protection laws in your country of residence provide otherwise.

Changes to these terms

We may update these Terms of Use from time to time. The date at the top of this page shows when they were last revised. Continued use of the website after any update constitutes acceptance of the revised terms.

Contact

Questions about these terms: info@paylentario.com