Terms of Use

1. Acceptance of Terms

By accessing or using the website monverento.com (the "Website"), you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use the Website. These terms apply to all visitors and users of the Website.

These Terms of Use are governed by Spanish law and, where applicable, European Union law. The operator of the Website is Monverento, with registered address at Senda de Granada, 31, 30100 Murcia, Spain (NIF: E45794900).

2. Description of the Platform

Monverento is an online platform that provides educational microcourses on topics related to household economics and responsible consumption, aimed primarily at young people in Spain. The content covers subjects including but not limited to:

• How to read and interpret a Spanish payslip (nómina)
• How variable-rate mortgages work in Spain, including the role of the Euribor
• How to compare insurance policies
• The formal complaint process before the Banco de España
• Household budgeting concepts
• Consumer rights in financial services

All content is educational and informational in nature. The platform does not provide any form of personalised financial, investment, legal, or tax advice.

3. Educational Content - Not Financial Advice

This is one of the most important sections of these Terms. Please read it carefully.

The content published on this Website, including all microcourse materials, written articles, webinar recordings, and any other materials, is provided for educational and informational purposes only. It is designed to help users understand how financial documents, processes, and institutions work in Spain.

Nothing on this Website constitutes regulated financial advice, investment advice, tax advice, or legal advice. In particular, the content is not regulated financial advice within the meaning of the Markets in Financial Instruments Directive (MiFID II) or any other applicable regulatory framework, and it is not subject to authorisation by the Comisión Nacional del Mercado de Valores (CNMV) or any other supervisory authority.

The information provided reflects general educational content and does not take into account your individual financial situation, objectives, risk tolerance, or personal circumstances. You should not make any financial decision based solely on the content of this Website. For decisions specific to your situation, you should consult with a qualified and appropriately regulated financial professional.

Monverento accepts no liability for any financial loss or damage arising from reliance on the educational content provided on this Website.

4. Access and Use of the Website

Access to this Website is provided free of charge. Monverento reserves the right to modify, suspend, or discontinue access to the Website or any part of it at any time, with or without notice.

You are responsible for ensuring that your use of the Website complies with all applicable laws and regulations. You must not use the Website in any way that is unlawful, harmful, or that could damage the reputation or operation of Monverento.

We do not guarantee that the Website will be available at all times or that it will be free from errors or interruptions. Technical maintenance may occasionally affect access.

5. Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, images, course materials, and the overall design and layout, is the property of Monverento or its licensors and is protected by applicable intellectual property laws, including Spanish intellectual property law (Real Decreto Legislativo 1/1996, de 12 de abril, por el que se aprueba el texto refundido de la Ley de Propiedad Intelectual) and EU copyright law.

You may access and view content on the Website for your personal, non-commercial use. You may not reproduce, distribute, modify, create derivative works from, publicly display, or otherwise exploit any content from this Website without the prior written permission of Monverento, except where expressly permitted.

The Monverento name, logo, and any associated marks are the intellectual property of Monverento. Nothing in these Terms grants you any right to use them.

6. User Conduct

When using the contact form or any other interactive feature of the Website, you agree not to:

• Submit false or misleading information
• Use the Website for any unlawful purpose
• Attempt to gain unauthorised access to any part of the Website or its infrastructure
• Transmit any harmful, offensive, or disruptive content
• Use automated tools to scrape or extract content from the Website without permission
• Impersonate any person or entity

7. Third-Party Links and References

The Website may contain references to or links to third-party websites, including official sources such as the Banco de España, CNMV, AEPD, or other public institutions. These links are provided for informational convenience only. Monverento does not control these external websites and is not responsible for their content, accuracy, or availability. The inclusion of a link does not imply endorsement of the linked website or its content.

8. Limitation of Liability

To the fullest extent permitted by applicable law, Monverento shall not be liable for any direct, indirect, incidental, special, or consequential damages arising from your use of, or inability to use, the Website or its content.

In particular, Monverento accepts no liability for:

• Any financial decision made based on content from this Website
• Inaccuracies in content resulting from changes in law, regulation, or market conditions that have not yet been reflected in an update
• Technical interruptions or errors affecting access to the Website
• Actions taken by third parties in connection with your use of the Website

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable Spanish or EU consumer protection law.

9. Modifications to These Terms

Monverento may update these Terms of Use from time to time. When changes are made, the "Last updated" date at the top of this page will be revised. Continued use of the Website after any changes constitutes acceptance of the revised Terms. We encourage you to review these Terms periodically.

10. Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of Spain. Any disputes arising from or relating to these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of Murcia, Spain, without prejudice to any mandatory consumer protection provisions that may apply under the law of your country of residence.

For any questions about these Terms, please contact us at info@monverento.com or at our postal address: Senda de Granada, 31, 30100 Murcia, Spain.