Terms of Use

This website, caplendario.com, is operated by Caplendario, with registered address at C. Vitoria, 139, 09007 Burgos, Spain. Contact: info@caplendario.com / +34 947 220 494.

By accessing and using this website, you accept these Terms of Use in their entirety. If you do not agree with any part of these terms, please discontinue use of the site.

Caplendario is an educational and informational resource. Its purpose is to provide general information and educational content about savings products available in Spain, including term deposits, savings accounts, conservative investment funds and pension plans.

The content on this website is provided for educational purposes only. Nothing on this site constitutes financial advice, investment advice, tax advice or a recommendation to purchase or avoid any specific financial product. The interactive simulators are illustrative tools and do not represent projections, forecasts or guarantees of any kind.

For personalised financial advice, you should consult a regulated financial adviser authorised by the Comisión Nacional del Mercado de Valores (CNMV) or another competent authority.

All content on this website, including but not limited to text, graphics, logos, icons, images, audio clips, digital downloads, data compilations and software, is the property of Caplendario or its content suppliers and is protected by applicable intellectual property law, including Spanish Royal Legislative Decree 1/1996 approving the Intellectual Property Act and European Union directives on copyright.

You may view, print or download content from this site for personal, non-commercial use only. You may not reproduce, distribute, modify, transmit or use any content for commercial purposes without our prior written consent.

Caplendario makes reasonable efforts to ensure that the information on this website is accurate and up to date. However, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability or suitability of the information for any particular purpose.

We accept no liability for any loss or damage arising from reliance on the information presented on this website, including the results produced by our educational simulators. Financial decisions should always be made after independent research and, where appropriate, consultation with a qualified professional.

We are not responsible for the content of any external websites linked from this site, nor do links to third-party sites constitute an endorsement of their content or services.

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others or restrict their use and enjoyment of the site. Prohibited uses include:

• Attempting to gain unauthorised access to any part of the website or its associated systems
• Transmitting any unsolicited or unauthorised advertising or promotional material
• Using automated tools to scrape, crawl or harvest content without prior written permission
• Impersonating any person or entity or misrepresenting your affiliation with any person or entity

This website uses cookies as described in our Cookie Policy. Your personal data is handled in accordance with our Privacy Policy, which complies with Regulation (EU) 2016/679 (GDPR) and Organic Law 3/2018 (LOPDGDD).

We reserve the right to modify, suspend or discontinue any part of this website at any time without notice. We may also update these Terms of Use at any time. The date shown at the top of this page reflects the most recent revision. Continued use of the website after any changes constitutes acceptance of the updated terms.

We do not guarantee that the website will be available at all times or free from errors or interruptions. We will make reasonable efforts to maintain service continuity but accept no liability for any unavailability.

These Terms of Use are governed by and construed in accordance with Spanish law. Any disputes arising from or related to the use of this website shall be subject to the exclusive jurisdiction of the courts of Burgos, Spain, unless mandatory consumer protection law in your jurisdiction provides otherwise.

If you are a consumer resident in the European Union, you may also have access to the European Commission's Online Dispute Resolution platform at ec.europa.eu/consumers/odr.