This website is the property of UNIÓN DE CRÉDITOS INMOBILIARIOS, S.A. E.F.C. (hereinafter "UCI"), registered in the Special Register of the Bank of Spain under No. 8512 and subject to its supervision. Financial Credit Establishment, registered with the Mercantile Register of Madrid in volume 11266, folio 164, section 8, sheet no. M-67739, entry 344. Spanish Tax ID Number (N.I.F.) A-39025515. Soc. Unipersonal (Sole Shareholder Company)

Registered address: 32 Amaltea Street, 1st floor (Visionary Building) 28045 Madrid, Spain
Telephone: 91 337 37 37 
Fax: 91 337 37 38 
Email: charlamos@hipotecas.com  

Simply accessing this website means you know and agree to the following terms and conditions. Therefore, we recommend you carefully read the content herein if you wish to access and use the information and services offered from this site.
 
1. GENERAL TERMS 
 
1.1 These are the general terms (hereinafter the "General Terms") regulating the access, browsing and use of the website under the domain www.hipotecas.com (hereinafter the "Website").
 
1.2 It shall be understood that access or the mere use of the Website by the user implies acceptance of the General Terms UCI has published and which shall be available for users.
 
1.3 To this end, "User" shall mean the person who accesses, browses, uses or participates in the services and activities, whether for free or for payment, developed at the Website.

2. INTELLECTUAL AND INDUSTRIAL PROPERTY RIGHTS

2.1 UCI is the holder or, where applicable, has obtained the corresponding commercial exploitation licence for all the intellectual and industrial property rights and image rights to any work, feature of any type or content accessible to the public from the Website.
 
2.2 The intellectual and industrial rights and image rights belonging to UCI include the images, videos, texts, trademarks, recordings and graphic and/or audiovisual content of any kind made available to the public via the Website.
 
2.3 As a result, modifying, copying, re-using, exploiting, reproducing, publicly disclosing, second or later publications, loading files, sending via email, transmitting, using, processing or distributing in any way either all or part of the Website content is prohibited without express, written authorisation from UCI or, where applicable, the holder(s) of the corresponding rights.
 
2.4 Moreover, deleting, eluding or manipulating copyright notices or any other identification data relating to the rights of UCI or of the holders built into the content or technical protection mechanisms, fingerprints or any information and/or identification mechanism the content may contain is prohibited.
 
3. BROWSING OBLIGATIONS 
 
3.1 Transmitting or sending any illegal or illicit content, computer viruses or messages which, in general, affect or violate UCI or third-party rights is prohibited.
 
3.2 To this end, the User assumes all liability and undertakes to hold UCI harmless of any type of damage caused as a result of breaches committed by the User.
 
4. CONTENT AND DURATION OF THE GENERAL TERMS 
 
4.1 UCI hereby warns you that the information that appears on the Website is valid as of the update. However, the UCI Group may modify the information and content of the Website when deemed appropriate.
 
4.2 Moreover, UCI may modify the General Terms, either fully or partially, publishing any change in the same way as these General Terms or through any type of communication addressed to Users.
 
4.3 The effectiveness of these General Terms, therefore, coincides with the period of time they are displayed until they are fully or partially modified at which time the modified General Terms will enter into force.
 
4.4 UCI may terminate, suspend or interrupt access to the page content at any time with no need for advance notification without any compensation of any kind for Users. After said extinction, the prohibitions of use of the Content previously displayed will continue to be valid.

5. LINKS

5.1 The User may find links to other websites on the Website via different buttons, links, banners, etc. which are managed by third parties. UCI is not liable in any way for any aspect related to the linked website.
 
5.2 UCI does not authorise the establishment of a link to the Website from any websites containing illicit, illegal, degrading, obscene material, information or content or, in general, any that violates morality, public order or generally accepted social norms.
 
5.3 UCI is not liable in any way for any aspect relating to any website that establishes links to the Website specifically but not limited to its functioning, access, data, information, files, quality and reliability of the products and services, own links and/or any of the content in general.
 
6. COOKIES 
 
6.1 This website uses?cookies which are small files a website server sends to the user's browser. For more information, read our Cookies Policy.

7. PERSONAL DATA PROTECTION

7.1 Personal Data Processing.
 
The only personal data UCI will have access to are those provided by the user voluntarily.
 
To this end, the user shall know that personal data will be requested in order to receive and register for some products/services offered via the website.
 
In such cases and with respect to the data expressly indicated to the user/customer as such, access may not be given and said services and content may not be used if the data is not provided. Pursuant to current regulations, UCI has adopted the technical and organisational measures needed to maintain the required security level concerning the personal data processed. 
 
Moreover, it is equipped with the proper mechanisms within its reach to prevent to the extent possible any unauthorised access, theft, unlawful modifications and loss of data.
 
Aspects relating to Users’ personal data processing due to the use of the Website are regulated in the Privacy Policy.

8. APPLICABLE LAW AND JURISDICTION

8.1 Our entity is a member of Confianza Online (non-profit association), registered in the National Registry of Associations Group 1, Section 1, national number 594400, CIF G85804011, Carrera de San Jerónimo, 18, 4º 1, 28014 Madrid (Spain). For more information: www.confianzaonline.es.
 
These general conditions are ruled by the Spanish Law. Likewise, in compliance with the provisions of the Law on Alternative Dispute Resolution, we inform consumers that, as an adhered entity and in the terms of the Code of Conduct, users may go to Confianza Online for the alternative resolution of eventual controversies ( https://www.confianzaonline.es/como-reclamar/formulario-de-reclamaciones/). If these refer to electronic transactions with consumers, or data protection when they are related to this area, the claims will be resolved by the Confidence Online Mediation Committee, accredited for the alternative resolution of consumer disputes. If the claims deal with digital advertising, or data protection related to this area, they will be submitted to the AUTOCONTROL Advertising Jury.
 
We also remind you that you can access the European Union's online dispute resolution platform by following this link: https://ec.europa.eu/consumers/odr/main/?event=main.home2.show.