Terms of Use

Clause 1. Identification of the Service Provider

The website monveranto.com is operated by:

These Terms of Use are governed by Spanish law, in particular the Ley 34/2002, de 11 de julio, de Servicios de la Sociedad de la Información y de Comercio Electrónico (LSSI-CE), and applicable European Union legislation.

Clause 2. Purpose and Nature of the Website

Monveranto is an educational platform providing informational and educational content about sustainable personal finance, including responsible investing, ethical saving, and conscious consumption. All content on this website is provided for educational and informational purposes only.

Nothing on this website constitutes financial, investment, tax, or legal advice. Users should consult qualified professionals before making any financial decisions. Monveranto expressly disclaims any responsibility for financial decisions made based on information found on this website.

Clause 3. Conditions of Access and Use

Access to this website is free of charge and does not require prior registration unless specifically indicated for certain course content or community features. Users agree to use this website in accordance with applicable law, these Terms of Use, public order, and good faith.

Users must not:

• Use the website for any unlawful purpose or in any manner inconsistent with these terms
• Attempt to gain unauthorised access to any part of the website or its underlying systems
• Transmit any material that is defamatory, offensive, or otherwise objectionable
• Reproduce, distribute, or commercially exploit any content from this website without prior written permission
• Use automated tools to scrape, crawl, or extract data from this website
• Interfere with the proper functioning of the website or its infrastructure

Clause 4. Intellectual Property

All content on this website, including but not limited to text, images, graphics, logos, course materials, and design elements, is the intellectual property of Monveranto or is used with appropriate authorisation. This content is protected by Spanish and European intellectual property laws, including the Real Decreto Legislativo 1/1996, de 12 de abril, por el que se aprueba el texto refundido de la Ley de Propiedad Intelectual.

Users may view and download content for personal, non-commercial use only. Any reproduction, distribution, public communication, or transformation of content for commercial purposes requires prior written authorisation from Monveranto.

Clause 5. Disclaimer of Warranties

Monveranto provides this website and its content on an "as is" and "as available" basis. We make no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, reliability, or suitability of the information contained on this website for any particular purpose.

We do not warrant that the website will be available at all times, error-free, or free from viruses or other harmful components. We reserve the right to modify, suspend, or discontinue any aspect of the website at any time without notice.

Clause 6. Limitation of Liability

To the fullest extent permitted by applicable law, Monveranto shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, this website or its content. This includes, without limitation, any loss of data, loss of profits, or business interruption.

Monveranto is not responsible for the content of external websites linked from this site. Links to third-party websites are provided for informational purposes only and do not constitute an endorsement of those websites or their content.

Clause 7. Links to Third-Party Websites

This website may contain links to third-party websites for informational purposes. Monveranto has no control over the content, privacy practices, or availability of those websites and accepts no responsibility for them. Visiting linked websites is at your own risk and subject to the terms and privacy policies of those sites.

Clause 8. Privacy and Data Protection

The collection and processing of personal data through this website is governed by our Privacy Policy, which forms part of these Terms of Use. By using this website, you acknowledge and accept the terms of our Privacy Policy.

Clause 9. Cookies

This website uses cookies and similar technologies. The use of cookies is governed by our Cookie Policy. By continuing to use this website after being presented with the cookie notice, you consent to the use of cookies as described in that policy.

Clause 10. Modifications to These Terms

Monveranto reserves the right to modify these Terms of Use at any time. Changes will be effective upon posting to this page with an updated date. Continued use of the website after any modification constitutes acceptance of the revised terms. We encourage users to review these terms periodically.

Clause 11. Applicable Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of Spain. Any disputes arising in connection with these terms or the use of this website shall be subject to the exclusive jurisdiction of the courts of Murcia, Spain, unless mandatory consumer protection law in your country of residence provides otherwise.

For consumers resident in the European Union, the European Commission's Online Dispute Resolution platform is available at ec.europa.eu/consumers/odr.

Clause 12. Contact

For any questions regarding these Terms of Use, please contact us at info@monveranto.com or by post at Senda de Granada, 31, 30100 Murcia, Spain.