Legal Notice (Aviso Legal)

1. Identification of the Owner

In compliance with Article 10 of Spanish Law 34/2002 of 11 July on Information Society Services and Electronic Commerce (LSSI-CE), the following identification details of the website owner are provided:

Name: Monverento
Legal form: Association
Registered address: Senda de Granada, 31, 30100 Murcia, Spain
Tax ID (NIF): E45794900

This Legal Notice governs access to and use of the website monverento.com, of which Monverento is the owner. Accessing the website implies full and unreserved acceptance of all provisions contained in this Legal Notice, the Privacy Policy, and the Cookie Policy.

2. Contact Details

For any enquiry, communication, or notification related to the website, you may contact Monverento through the following channels:

Postal address: Senda de Granada, 31, 30100 Murcia, Spain
Phone: +34 868 289 754
Email: info@monverento.com

3. Tax Identification Number

The Tax Identification Number (NIF) of Monverento is E45794900. The letter "E" in the NIF corresponds to associations and analogous non-profit entities registered in the relevant registry under Spanish law.

Monverento is a legally constituted entity under Spanish law, with full legal capacity to carry out the activities described in this Legal Notice and in the website's terms of use.

4. Registry Data

Monverento is registered in the Registry of Associations of the Region of Murcia. The registration details are as follows:

Registry: Registro de Asociaciones de la Región de Murcia
Registration number: 7842
Section: 1st (General associations)
Date of registration: 14 March 2019

5. Business Activity

Monverento's principal activity consists of designing, producing, and distributing educational and informational content in the form of online microcourses on household economics and responsible consumption, aimed primarily at young people in Spain.

Topics covered include the interpretation of the Spanish payslip (nómina), the operation of variable-rate mortgages, the comparison of insurance products, and the formal complaint process before the Banco de España's complaints service.

All content produced and distributed by Monverento is exclusively informational and educational in nature. Monverento does not provide financial, investment, legal, or tax advisory services. Its activity is not subject to authorisation by the Comisión Nacional del Mercado de Valores (CNMV) or any other financial services supervisory authority, as it does not constitute any of the reserved activities regulated by applicable financial legislation.

6. Intellectual Property

All content on the website, including but not limited to texts, images, graphics, logos, icons, software, trade names, trademarks, and industrial designs, is subject to the intellectual and industrial property rights of Monverento or third parties who have duly authorised their inclusion. Access to the website does not in any case imply the assignment, transfer, or waiver of these rights. Any unauthorised use constitutes an infringement under Spanish intellectual property law (Royal Legislative Decree 1/1996).

7. Personal Data Protection

Monverento processes the personal data of website users in accordance with Regulation (EU) 2016/679 (GDPR) and Organic Law 3/2018 (LOPDGDD). Full details of data processing activities, legal bases, retention periods, and user rights are set out in the Privacy Policy. Users may exercise their rights by contacting info@monverento.com. Complaints may be lodged with the Agencia Española de Protección de Datos (AEPD) at www.aepd.es.

8. Cookies

This website uses cookies. In accordance with Article 22.2 of the LSSI-CE, Monverento informs users of the use of cookies and requests consent for those that are not strictly necessary. Full details are available in the Cookie Policy. Cookie preferences can be managed at any time via the "Cookie preferences" link in the bottom-left corner of any page.

9. Liability

Monverento does not guarantee the availability, continuity, or infallibility of the website and excludes, to the extent permitted by law, any liability for damages arising from the unavailability or interruption of the website. Monverento is not responsible for any damages resulting from the use of website content for financial, investment, legal, or other decisions. Content is exclusively informational and does not replace qualified professional advice. Monverento may modify, suspend, or discontinue the website at any time without prior notice.

10. Governing Law and Jurisdiction

This Legal Notice is governed by Spanish law, in particular Law 34/2002 (LSSI-CE), the GDPR and LOPDGDD, Royal Legislative Decree 1/1996 (Intellectual Property), and Royal Legislative Decree 1/2007 (Consumer Protection). Any disputes shall be subject to the jurisdiction of the courts of Murcia, Spain, without prejudice to mandatory consumer protection provisions applicable in the user's country of residence. The European Commission's online dispute resolution platform is available at https://ec.europa.eu/consumers/odr.