Legal notice

1. Purpose

This legal notice governs access to and use of the website hipotecalc.com (hereinafter, "the website" or "Hipotecalc"), in accordance with Spanish Law 34/2002 of 11 July on Information Society Services and Electronic Commerce (LSSI-CE). By accessing the website you accept the terms set out here.

For any question related to the website you can reach the site owner through the contact channels available on the website itself.

2. Nature of the service

Hipotecalc is a free, informational and educational website offering financial calculators focused on the Spanish property market: mortgage simulation, Property Transfer Tax (ITP) calculation by autonomous community, and rental profitability analysis. Using the tools does not require registration or user accounts.

3. Terms of use

Users agree to use the website and its tools lawfully and in good faith, refraining from using them for fraudulent purposes or in any way that may damage, disable or overload the website, or prevent its normal use by other users.

4. Intellectual and industrial property

The website design, source code, texts, logos and other components are protected by intellectual and industrial property law. No exploitation rights are granted beyond what is strictly necessary to use the website. Third-party public data displayed on the site (such as Euribor values) belongs to its respective official sources, which are cited in each case.

5. Disclaimer of liability

The contents and calculator results are for information and guidance only and do not constitute financial, tax or legal advice. See the financial disclaimer for details. The site owner is not liable for decisions made on the basis of information obtained on the website, nor for the content of third-party sites linked from it.

The site owner does not guarantee uninterrupted availability of the website or the absence of errors in its contents, although these are corrected diligently as soon as they are detected.

6. External links

The website links to official sources such as the Bank of Spain, the European Money Markets Institute (EMMI), administrator of the Euribor, and the European Central Bank. These links are provided solely for user convenience; the site owner is not responsible for the content of those sites.

7. Data protection and cookies

The processing of user data is described in the privacy policy and the use of cookies in the cookie policy.

8. Applicable law

These terms are governed by Spanish law. Any dispute arising from access to or use of the website shall be submitted to the courts having jurisdiction under the applicable regulations.