Legal notice
Who operates this website, and the terms on which it is made available.
Last updated
Site operator
- Trading name
- YourFinanceCoach
- Legal name
- David Flores Román
- Tax identifier (NIF/CIF/VAT)
- 49787794Q
- Registered address
- Calle Viena, 3, 11130 Chiclana de la Frontera, Cádiz, Spain
- Legal form
- Sole trader (empresario individual / autónomo)
- Commercial registry
- Not applicable. A sole trader is not entered in the Commercial Registry.
- Contact email
- davidflores.profesional@gmail.com
- Country of establishment
- Spain
- Website
- https://yourfinancecoach.net
Applicable regime
The operator is established in Spain. In addition to the General Data Protection Regulation, the following national rules apply to this site:
- Ley 34/2002 (LSSI-CE) — Information-society services: operator identification and commercial communications.
- Ley Orgánica 3/2018 (LOPDGDD) — Spanish data protection law, alongside the GDPR.
Readers in the United Kingdom and Australia are additionally covered by the UK GDPR and the Australian Privacy Act respectively, and can complain to their own authority — see our privacy notice.
What this site does
YourFinanceCoach publishes general educational information about personal finance — credit, banking, saving and debt — for readers in the United States, the United Kingdom and Australia, together with free calculators that run entirely in your browser.
It does not provide financial, investment, legal or tax advice, does not arrange or distribute financial products, and does not hold client money. See our financial disclosure for the full position and for what we are not authorised to do.
Conditions of use
Use of this site is governed by our terms of use. By accessing the site you accept those terms. If you do not accept them, do not use the site.
Intellectual property
The text, design, structure, source code, calculator logic and compilation of content on this site belong to the operator, or are used with permission, and are protected by intellectual property law. Names, marks and logos of third parties — banks, card issuers, regulators — belong to their respective owners and are used for identification and reference only. Their appearance does not imply any association, sponsorship or endorsement.
You may read, print and link to any page for your own use. Reproducing substantial portions, systematically extracting content, or republishing it commercially requires prior written permission.
Third-party links
This site links to regulators, government bodies and financial providers. Those sites are operated by others. We do not control their content, terms, availability or privacy practices, and we are not responsible for them. A link is not an endorsement.
Some outbound links are paid placements and are labelled as such. See how we make money.
Liability
We take care over what we publish and cite our sources, but financial rates, fees, rules and eligibility change without notice. We do not warrant that every figure is current at the moment you read it. Decisions you take are yours, and you should confirm the current terms with the provider before acting.
Nothing here excludes or limits liability that cannot lawfully be excluded or limited, including liability for death or personal injury caused by negligence, or for fraud.
Availability
We aim to keep the site available but do not guarantee uninterrupted access. We may modify, suspend or withdraw any part of it without notice.
Applicable law and jurisdiction
This notice is governed by the law of Spain. Any dispute will be subject to the courts of Spain, without prejudice to any mandatory protection you have as a consumer under the law of your own country of residence, which nothing here removes.
Contact
davidflores.profesional@gmail.com — see also our contact page.