Legal Notice
Last updated: April 16, 2026
1. Site Owner
In compliance with the Spanish Law 34/2002 on Information Society Services and Electronic Commerce (LSSI-CE), the identifying details of the owner of this website are provided below:
- Contact email: calculadorahipoteca@gmail.com
- Website: https://calculadorahipoteca.es
2. Purpose
calculadorahipoteca.es is a free informational website that provides a tool for calculating mortgage payments, simulating early repayments and consulting educational content about mortgages. All calculations are performed locally in the user's browser.
3. Disclaimer
The information and tools available on this site are for general informational and educational purposes only. Under no circumstances do they constitute financial, tax or legal advice, nor a product recommendation. Before making any significant financial decisions, users should consult a qualified professional and verify the specific terms with the lending institution.
The results provided by the calculator are based on the French amortisation system using parameters entered by the user. Actual payments offered by banks may differ due to fees, linked products, rounding or other factors.
4. Terms of Use
Access to the website is open and free of charge. Users agree to use the site diligently and not to use it for unlawful activities or activities contrary to good faith. The following is prohibited:
- Using the content for unlawful purposes or purposes harmful to third parties.
- Introducing viruses, malicious software or attempting to interfere with the operation of the site.
- Reproducing, copying, distributing or transforming the content without the express authorisation of the owner.
- Taking actions that unnecessarily overload the servers or interfere with the service.
5. Intellectual Property
All content on the website (text, images, code, iconography, graphic design, navigation structure and architecture) is the property of the owner or of third parties who have licensed its use. It is protected by national and international intellectual and industrial property law.
Total or partial reproduction, distribution or public communication without prior written authorisation is expressly prohibited. Links to the website are permitted provided they do not mislead regarding its origin or content.
6. Limitation of Liability
The owner shall not be liable for:
- Decisions made by users based on the information or calculations provided by the site.
- Direct or indirect damages arising from the use of the website or from technical failures, errors or omissions.
- The content of third-party websites accessible through links. The owner does not control and is not responsible for such content.
- Service interruptions due to reasonably unforeseeable causes (hosting failures, cyber-attacks, maintenance, force majeure).
7. Third-Party Links
This website may contain links to other websites for the user's convenience. The presence of such links does not imply any commercial relationship with the linked sites nor endorsement of their content. The owner disclaims all liability for the content, services or products offered on linked websites.
8. Data Protection
The processing of personal data is governed by our Privacy Policy, which forms an integral part of this legal notice.
9. Governing Law
This legal notice is governed by Spanish law. For the resolution of any dispute arising from the access to or use of this website, the parties shall submit to the courts and tribunals of the consumer's domicile, where applicable by law.
10. Changes
The owner reserves the right to modify this legal notice at any time to adapt it to regulatory changes or to changes in the operation of the website. The version in force at any given time shall be the one published on this page.