Terms of use & legal notice

1. Site owner (legal notice)

In compliance with article 10 of Spanish Law 34/2002 on information society services and electronic commerce (LSSI-CE), the owner of this website is:

• Owner: Santiago Gonzalez Rico
• Tax ID (NIF): 23859239M
• Address: Carrer Bartrina, 171
• Email: santi.auto2000@gmail.com
• Website: https://smartmoneybasics.net

2. Purpose

Smart Money Basics is an educational website about personal finance topics such as budgeting, saving, debt, credit, interest and inflation.

3. Terms of use

Access to the site is free. You agree to use it lawfully and not to interfere with its operation or with other people's rights. If you do not agree with these terms, please do not use the site.

4. Educational content only

The content is informational and is not financial, investment, tax or legal advice. Please read the full disclaimer. The calculators give estimates based on the numbers you enter and on simplified assumptions.

5. Intellectual property

The text, design and code of this site are protected by intellectual property law. You may quote short excerpts if you credit the source and link to the original page. For any other reproduction, please ask for written permission.

6. Links and advertising

The site links to third-party websites and may show third-party advertising, including Google AdSense. I don't control those sites or advertisers and I'm not responsible for their content.

7. Limitation of liability

To the extent permitted by law, the owner is not liable for losses resulting from using the site or relying on its content. Nothing in these terms limits rights that the law does not allow to be limited, including mandatory consumer rights.

8. Governing law

These terms are governed by Spanish law. Disputes will be handled by the courts that have jurisdiction under the applicable rules.