Legal Notice: General Terms to use these websites

General Terms and Conditions that regulate the use of the Internet websites: 

which is made available to you, the user (the “User”), by Institute of Advanced Finance. Hereinafter, IAF.

Therefore, you may enter websites operated by the above mentioned service providers when visiting these websites. All these websites shall be jointly referred as the “Website”.

Use of this website implies the User’s full acceptance of all the General Terms and Conditions for the Use of the Website that apply at any time that he/she/they access the site. Therefore, if the User does not agree with any of the terms or conditions set out herein, he/she/they should not use this Website. IAF hereby reserves the right to modify these General Terms and Conditions for the Use of the Website at any time, along with any other general or specific terms and conditions, user regulations, instructions or notices that may be applicable. IAF also hereby reserves the right to suspend, interrupt or cease to operate the Website at any time.

The services offered on the Website are directed towards parties who are resident in Spain. Any individual or organization that is resident in another European Union country or outside the European Union must ensure that access to and use of the Website and/or its contents is permitted under the laws of the country in question. In any case, access to and use of the Website by a User who is in breach of the requirement to be resident in Spain shall be understood to be at the said User’s own exclusive liability, and IAF shall be exempt from any liability to the extent that this is permitted under the legislation in force.

1. Purpose

By means of this Website, IAF offers Users access to a range of content, information and data (the “Content”), which is made available by IAF, by third party service and content providers or the rest of entities mentioned above.

IAF hereby reserve the right to modify the presentation (including the look and feel), layout and location of the Website at any time, along with the Content and the terms and conditions required to make use of it.

The Content includes an area to which access is restricted to Users who have previously registered (the “Registered Users”), access to and use of which is subject to the conditions set out in section 3 of this document.

2. Conditions for Accesing and Using the Website

3. Restricted Access Area

In order to access and use the restricted access area, Users must previously have registered as users of IAF or the corresponding service provider entity and use the passwords provided for this purpose.

Registered Users shall at all times be responsible for the safekeeping of their password, and shall therefore be liable for any damage that may result from its improper use or from its being forwarded, disclosed or mislaid. To this end, access to restricted areas and/or any use of Content that is made using the password belonging to a Registered User shall be understood to have been effected by the said Registered User, who shall be liable in all cases for this access and use. Registered Users may change their passwords at any time by sending a direct request to IAF. In the event that they forget their password, or in any other circumstance involving the risk that the Content may be accessed and/or used by unauthorized third parties, Registered Users must immediately inform IAF so that it may block the password in question and replace it.

4. Intellectual Property Rights

The User hereby acknowledges and accepts that all intellectual property rights pertaining to the Website, its source code, design, browser structure, databases, Content and/or any other elements included in the Website (trademarks, logos, trading names, texts, images, graphics, designs, sounds, databases, software, flow charts, presentation, look and feel, audio and video) are the property of IAF and/or third parties.

Under no circumstances shall access to the Website imply any kind of waiver, transfer, license or grant of the said rights, whether whole or in part, unless expressly otherwise established. These present General Terms and Conditions for the Use of the Website do not grant Users any right to use, alter, exploit, reproduce, distribute or publicly broadcast the Website and/or its Content other than the rights that are expressly set out for each piece of Content or, in the absence of any such mention, in these General Terms and Conditions. The use or exploitation of any rights in any other way shall be subject to prior express authorization, specifically granted to this end by IAF or by the third party that owns the rights affected.

5. Written Communications

Use of this Website implies User's acceptance to the reception by electronic means of all or part of the communications. When necessary, we will provide the User the relevant information by email or by posting such information on the Website. For contract purposes, the User agrees to use this electronic means of communication and acknowledges that any contract, notice, information and any other communication sent by electronic means complies with the legal requirements as if it was sent in writing. This clause shall not affect the User´s rights recognized by law.

6. Use of Cookies

The User hereby acknowledges and accepts that IAF may use cookies when a User browses its Website. Users may set their browsers to notify them and reject the installation of any cookies used by IAF, and this shall not harm the ability of such Users to access the Content. For more information, please read our Cookies Policy, to which IAF reserves the right to modify at any moment.

7. Exclusion of Guarantees and Liabilities

IAF shall not guarantee the availability and continuity of the Website’s operation or the operation of any other website with which it may have established a link. Furthermore, IAF shall not be liable under any circumstances for any damage that may result from:

With the aim of reducing the risk of viruses being introduced onto the Website, IAF uses virus detection programs to control all of the content that is uploaded to its Website. However, it does not guarantee the absence of viruses or other elements introduced by third parties on the Website that may alter the physical or logical systems of Users or the electronic documents or files stored in their systems. As a consequence, it shall not be liable under any circumstances for damage of any kind that may result from the presence of viruses or other elements that could cause alterations to Users’ physical or logical systems or their electronic documents or files.

IAF adopts various protective measures to protect the Website and the Content against IT attacks from third parties. However, IAF does not guarantee that unauthorized third parties will be able to access and use the Website in a similiar way as Users do or to the conditions, characteristics and circumstances in which such use is made. As a consequence, it shall not be liable under any circumstances for any damage that may result from such unauthorized access.

8. Applicable Law and Jurisdiction

The provision of the Website and these present General Terms and Conditions for the Use of the Website are governed by Spanish law. To the extent permitted in law, the parties hereby agree to submit to the jurisdiction of the Courts and Tribunals of the city of Madrid, and they expressly waive any other jurisdictional right to which they may be entitled.