Terms and conditions

The InvertirDeuda platform is operated by Hispania Data Solutions, S.L. (hereinafter, "the company"). Tax ID (CIF): B23880313 Registered address: Avenida de la Libertad, 6, Bloque 5, 4.ºA, 30009 Murcia, Spain Registry: Murcia Commercial Registry, Section 8, Sheet MU 117816, Entry 1 Contact email: legal@hispaniasolutions.com By using the website and the platform, the user agrees to be bound by these terms.

InvertirDeuda is an information and analysis platform on discounted debt. Its activity consists of collecting, analysing and showing its users information about opportunities in the discounted debt market: NPL (Non-Performing Loan) portfolios, judicial auctions, court order transfers and discounted mortgage debt. The service provides general, purely informational content. It does NOT constitute investment advice and does NOT guarantee any return. In particular, it does NOT constitute: - Financial, investment, tax or legal advice of any kind. - Financial intermediation or mediation in the purchase or sale of assets. - Portfolio management or investment mandate. - Any form of fund raising or collective investment vehicle. The company is not registered as an investment services entity with any financial regulatory body. For more information about investment risks, please see our risk warning at /aviso-de-riesgo.

The platform offers a paid "Pro" subscription giving access to the advanced features. Access to Pro is granted after contacting the team: the pricing and billing terms are communicated and agreed at that point, and do not include VAT, which will be applied in accordance with the regulations in force. The company may update the terms of the Pro subscription, giving reasonable advance notice to existing subscribers.

Where a consumer enters into the Pro subscription as a distance contract, they have a period of 14 calendar days to withdraw from the contract without the need for justification. To exercise the right of withdrawal, simply notify us at contacto@hispaniasolutions.com.

The platform account is personal and non-transferable. The user is responsible for keeping their access credentials confidential. Sharing credentials or platform content with third parties is prohibited. Breaching this condition may result in the suspension or cancellation of access, without the right to a refund of amounts already paid.

The platform offers a free plan (Club) that lets you explore which assets exist in the market. The company reserves the right to modify access conditions, with reasonable prior notice to existing users. Access to the platform's advanced features requires the Pro subscription described in section 3. To create an account, the user must provide the data required at registration and accept these terms and the privacy policy. The user declares that they are over 18 years of age and have the legal capacity to enter into a contract. The user warrants that the data provided is accurate and undertakes to notify any changes.

The user undertakes to: - Use the service exclusively for personal and non-commercial purposes. - Not reproduce, distribute or transfer platform information to third parties without express authorisation from the company. - Not take any action that could interfere with the operation of the service or harm other members. - Act at all times in accordance with applicable Spanish and European law. The company reserves the right to revoke access to any user who breaches these conditions.

All content published on the website and on the platform (texts, analyses, formats, trademarks, logos, design) is the property of Hispania Data Solutions SL or its licensors and is protected by applicable intellectual and industrial property law. Total or partial reproduction, distribution, public communication or transformation is prohibited without prior written authorisation from the company, except as expressly permitted by law.

The company takes the utmost care in the selection and analysis of the opportunities it publishes. However, the information is provided "as is", for informational purposes only and without warranties of any kind, express or implied. The service does not constitute investment advice and does not guarantee any return (see the risk warning at /aviso-de-riesgo). The company will not be liable for: - Investment decisions made by the user based on platform information. - Direct or indirect financial losses that may result from such decisions. - The accuracy, completeness or currency of the information when consulted by the user. - Uninterrupted availability of the service. The user assumes all risk arising from their investment decisions.

The company reserves the right to amend these terms at any time. Material amendments will be communicated to members by email with reasonable prior notice. Continued use of the service after the new terms come into effect implies acceptance of them.

These terms are governed by Spanish law. For the resolution of any dispute that may arise in connection with these terms, the parties submit to the courts and tribunals of the city of Murcia, expressly waiving any other jurisdiction that may apply. However, where the user qualifies as a consumer under the law, the mandatory jurisdiction granted by law shall apply, which is generally that of their place of residence.

For any queries related to these terms, you can write to us at contacto@hispaniasolutions.com.