Terms of Use
These terms govern your access to and use of the Fundalario website and the materials published on it. By accessing this site, you accept these terms in full.
Section A
About this website
This website is operated by Fundalario, a non-profit entity registered in Spain (NIF: G98147165), with registered address at P.º de la Castellana, 200, Chamartín, 28046 Madrid. The website is accessible at fundalario.com and its language subdirectories.
Fundalario is an independent observatory dedicated to measuring and publishing information about financial literacy levels in Spain. The content published on this website is produced for educational and informational purposes only. Fundalario does not operate commercially and does not sell products or services of any kind.
These terms apply to all users of the website, regardless of how they access it. Access to this website is free of charge and does not require registration.
Section B
Permitted use
You may access and use this website for personal, educational, academic, and non-commercial purposes. Specifically, you may:
- Browse, read, and download reports and educational materials published on this site for your own use
- Share links to pages on this website
- Cite data and findings from our reports in academic or educational work, provided you attribute the source clearly as "Fundalario" with the publication date and URL
- Use our published materials in non-commercial educational settings, provided attribution is given
You may not use this website or its content:
- For any commercial purpose without prior written consent from Fundalario
- In a way that misrepresents or distorts our findings
- To create derivative works that imply endorsement by Fundalario of any product, service, or institution
- In any manner that violates applicable law or infringes the rights of third parties
Section C
Intellectual property
All content on this website, including but not limited to text, reports, data visualisations, graphics, logos, and the website design itself, is the intellectual property of Fundalario unless otherwise stated, and is protected under Spanish and European intellectual property law.
Our quarterly reports and educational materials are published under a Creative Commons Attribution-NonCommercial 4.0 International licence (CC BY-NC 4.0), unless a specific report states otherwise. This means you may share and adapt these materials for non-commercial purposes, provided you give appropriate credit to Fundalario, indicate if changes were made, and do not apply additional restrictions.
The Fundalario name, logo, and visual identity are registered trademarks and may not be used without prior written permission.
Section D
No financial advice
Nothing on this website constitutes financial advice, investment advice, tax advice, legal advice, or any other form of professional advice. All content is published for educational and informational purposes only.
Fundalario is not authorised to provide financial advice and does not hold any authorisation or licence from the Comisión Nacional del Mercado de Valores (CNMV) or any other regulatory body in Spain or elsewhere. The information on this website describes general concepts and research findings and should not be relied upon as the basis for any financial decision.
If you require financial advice, you should consult a qualified and duly authorised financial professional.
Section E
Accuracy of content
Fundalario makes reasonable efforts to ensure that the information published on this website is accurate and up to date at the time of publication. However, we cannot guarantee the completeness, accuracy, or currency of all content at all times.
Research findings represent the data collected at the time of each survey and should be understood in that context. Economic conditions, financial regulations, and public knowledge levels change over time, and older publications may not reflect current conditions.
We reserve the right to correct, update, or remove any content on this website at any time without notice.
Section F
External links
This website may contain links to third-party websites for reference purposes. These links are provided for convenience and informational purposes only. Fundalario does not endorse, control, or take responsibility for the content, privacy practices, or accuracy of any third-party website.
The inclusion of a link to an external resource in our educational materials does not imply that Fundalario endorses the organisation, institution, or views expressed on that resource. You access external links at your own risk.
Section G
Limitation of liability
To the fullest extent permitted by applicable law, Fundalario excludes all liability 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 includes, without limitation, any loss arising from reliance on information published on this website, any interruption to the availability of the website, or any errors or omissions in the content. Fundalario does not warrant that the website will be available at all times or that it will be free of errors or viruses.
Nothing in these terms limits Fundalario's liability for death or personal injury caused by negligence, or for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded under applicable Spanish law.
Section H
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 in connection with these terms or your use of this website shall be subject to the exclusive jurisdiction of the courts of Madrid, Spain, unless mandatory consumer protection law in your country of residence provides otherwise.
If any provision of these terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. Fundalario's failure to enforce any right or provision of these terms shall not constitute a waiver of that right or provision.
For any questions about these terms, please contact us at info@fundalario.com.