Terms of use

1. Who these terms are with

This website is operated by David Flores Román, trading as YourFinanceCoach (“we”, “us”). Full identification details are in our legal notice. By accessing or using the site you agree to these terms. If you do not agree to them, please do not use the site.

2. What this site is

YourFinanceCoach is a commercial publication. It is free to read, and we earn revenue from affiliate commissions and may in future earn from advertising — explained in full in how we make money. Saying so plainly is deliberate: you should know the commercial position of anything you read about money.

We publish general educational information and free calculators. We do not provide financial, investment, legal or tax advice, and we do not arrange, distribute or administer financial products. See our financial disclosure.

3. Permitted use

You may, for your own personal or internal business purposes:

• read, print and save pages;
• link to any page;
• quote short extracts with attribution and a link to the source page;
• use the calculators as often as you like, at no cost and without an account.

4. What you may not do

• Reproduce, republish or redistribute substantial parts of the content, or present it as your own, without our prior written permission.
• Scrape, harvest or systematically extract content, or use automated means to access the site in a way that imposes an unreasonable load on it.
• Remove, obscure or alter any attribution, disclosure or disclaimer.
• Reuse our content to train a model or build a competing product without our permission.
• Use the site unlawfully, or to facilitate anything unlawful.
• Attempt to gain unauthorised access to the site or any system connected to it, or introduce malicious code.
• Present the site, or anything on it, as personalised financial advice to any other person.

5. Intellectual property

The text, design, structure, source code, calculator logic and the selection and arrangement of content are owned by us or used with permission, and are protected by copyright and other intellectual property rights.

Third-party names, marks and logos — banks, card issuers, regulators — belong to their owners and are used for identification and reference only. Their appearance does not imply any association, sponsorship or endorsement in either direction.

6. Accuracy, and what we do not warrant

We take care over what we publish, cite our sources and date what we check. Even so:

• Financial rates, fees, rules and eligibility change without notice, and a page can be out of date before we know it.
• The provider’s own current terms are always the authority, not our description of them. Check before you apply or commit to anything.
• Calculator results are estimates produced from the assumptions listed on each tool’s page and the figures you enter. They are not quotations, offers or guarantees, and no provider is bound by them.
• We do not warrant that the site will be uninterrupted, error-free, or free of harmful components.

If you find an error, please tell us — we correct pages and say what changed.

7. Third-party sites and paid links

We link to regulators, government bodies and financial providers. Those sites are controlled by others; we are not responsible for their content, terms, availability or privacy practices, and a link is not an endorsement.

Some outbound links are paid placements from which we may earn a commission. They are labelled on the page and marked rel="sponsored" in the markup. Any agreement you enter into with a provider is between you and them; we are not a party to it and have no role in the decision, the terms or any dispute.

8. Liability

To the fullest extent permitted by law, we are not liable for any loss or damage arising from your use of, or reliance on, this site — including any financial decision you take. You are responsible for your own financial decisions and for verifying information with the provider or a suitably qualified professional.

Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited. That includes liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, and any rights you have as a consumer under the mandatory law of your country of residence. If you are a consumer, these terms do not affect those rights.

9. Availability and changes

We may modify, suspend or withdraw any part of the site at any time without notice, and we may update these terms. The date at the top of this page shows when they last changed. Continuing to use the site after a change means you accept the revised terms; if you do not, stop using the site.

10. Applicable law

These terms are governed by the law of Spain, and disputes are subject to the courts of Spain. If you are a consumer resident elsewhere, this does not deprive you of the protection of mandatory provisions of the law of your country of residence, or of your right to bring proceedings there where the law allows.

11. Contact

davidflores.profesional@gmail.com — see also our contact page, privacy notice and cookie policy.