This legal notice governs access to and use of the website finanzasporsecciones.com (the “website”), in compliance with Spanish Law 34/2002 on Information Society Services and Electronic Commerce.
Website owner
- Owner and editor: Markel, author of Finanzas por secciones.
- Location: Basque Country, Spain.
- Contact: through the contact form.
- Website: finanzasporsecciones.com
Purpose of the website
Finanzas por secciones is an independent personal finance publication with a special focus on Spain: saving and budgeting, investing, taxes, mortgages and loans, and calculators. It does not sell financial products or take part in arranging them.
General information, not advice
The content and the calculators are for information and education only. They are not financial, tax or legal advice, nor a personalised investment recommendation. The calculator results are estimates. Before making an important decision, consult a qualified professional and the official sources.
Accuracy of the information
We try to keep the information correct and up to date, and we show the review date of each guide and the sources consulted. Even so, rules, tax rates, thresholds and market conditions change often, so the owner is not responsible for decisions taken solely on the basis of the website’s content. If you spot a mistake, tell us through the contact form and we will review it.
Territorial scope
Unless stated otherwise, the content refers to the common regime of Spanish law. In the Basque Country and Navarre, regional (foral) tax rules apply and may differ from what the guides describe. If you are tax resident in another country, the rules of that country may also apply to you.
Advertising and links
The website may display third-party advertising, such as Google AdSense, and may contain links to external sites. Advertising is distinguished from editorial content and does not influence what we publish. The owner is not responsible for the content or the policies of linked websites. More information in Advertising Disclosure.
Intellectual property
The texts, design and other original elements of the website belong to the owner or are used under licence. Reproducing, distributing or modifying them without permission is prohibited, except for brief quotations that link back to the source. Some images come from free-to-use image libraries.
Applicable law
This website is governed by Spanish law. For any dispute, the courts that have jurisdiction under the applicable rules will be competent.
Last updated: 26 October 2026.