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Legal Policy

Data of the person in charge

  • Responsible: ALISON LOWTHER DE COTTA.
  • Trade name: ALISON LOWTHER DE COTTA
  • NIF/CIF: X0672983A
  • Address: Doctor Tomás Sala nº39, 46017 – Valencia
  • Email: alison.decotta@mortgagemattersspain.com

In this space, you will be able to find all the information related to the legal terms and conditions that define the relations between the users of the web and those responsible for it. As a user of our website, it is important that you know these terms before continuing your navigation.

ALISON LOWTHER DE COTTA (ALISON LOWTHER DE COTTA) as the person in charge of this website, assumes the commitment to treat the information of the users and clients with full guarantees and to comply with the national and European requirements that regulate the collection and use of the personal data of our users.

ALISON LOWTHER DE COTTA has adapted this website to the requirements of Regulation (EU) 2016/679 of the European Parliament and of the Council of April 27, 2016 regarding the protection of data of natural persons with regard to the treatment of personal data and the free movement of these data and which repeals Directive 95/46/CE (RGPD), as well as Law 34/2002, of July 11, on Services of the Information Society and Electronic Commerce (LSSICE or LSSI).

General conditions of use

These General Conditions regulate the use (including mere access) of the web pages, members of the ALISON LOWTHER DE COTTA website, including the contents and services made available on them. Any person who accesses the web https://mortgagemattersspain.es does so as a user and agrees to submit to the General Conditions in force at any time of the portal https://mortgagemattersspain.es.

The user will have access to the following free web services, as long as they are active:

  • Forum: Both the user and the one who has registered as a customer, but has not contracted any of the web's paid services, will be able to access the forum.
  • Training: Courses, Webinars and tutorials with useful information for the user.
  • Downloads: Content downloads offered by ALISON LOWTHER DE COTTA.

Personal data I collect and how I do it

You can consult all the information related to the personal data that we collect through our websites and how we manage them in our Privacy Policy.

​Commitments and obligations of users

The user is fully informed, and accepts, that access to this website does not imply, in any way, the beginning of a commercial or employment relationship with ALISON LOWTHER DE COTTA. In this way, the user of our website agrees to use its services and contents without violating current legislation, good faith and public order. The use of the website for illegal or harmful purposes, or that, in any way, may cause some type of damage or prevent the normal functioning of the website is totally prohibited. Regarding the contents of this website, it is prohibited:

  • Its reproduction, distribution or modification, in whole or in part, unless we have our authorization as the legitimate owner.
  • Any violation of the rights of the provider or of us as legitimate owners.
  • Its use for commercial or advertising purposes.

When using the web, https://mortgagemattersspain.es, the user undertakes not to carry out any type of conduct that could damage the image, interests and rights of ALISON LOWTHER DE COTTA or third parties or that could damage, disable or overload the portal https://mortgagemattersspain.es or that prevent, in any way, the normal use of the web. However, the user must be aware that the security measures of computer systems on the Internet are not entirely reliable and that, therefore, https://mortgagemattersspain.es cannot guarantee the absence of malware or other elements that may cause alterations. in the computer systems (software and hardware) of the user or in their electronic documents and files contained therein, for our part we put all the necessary means and the appropriate security measures to try to avoid the presence of these harmful elements.

Security measures

The personal data transmitted by the user to ALISON LOWTHER DE COTTA may be stored in automated databases or not, whose ownership corresponds exclusively to ALISON LOWTHER DE COTTA, assuming all technical, organizational and security measures. that guarantee the confidentiality, integrity and quality of the information contained therein in accordance with the provisions of current regulations on data protection. Communication between users and https://mortgagemattersspain.es uses a secure channel, and the data transmitted is encrypted using the https protocol, therefore, we guarantee the best security conditions so that the confidentiality of users is protected.

Conflict resolution platform

We also make available to users of our dispute resolution platform provided by the European Commission and which is available at the following link: http://ec.europa.eu/consumers/odr/

Intellectual and industrial property rights

By virtue of the provisions of articles 8 and 32.1, second paragraph, of the Intellectual Property Law, the reproduction, distribution and public communication, including the method of making them available, of all or part of the contents of this web page, for commercial purposes, in any support and by any technical means, without the authorization of ALISON LOWTHER DE COTTA. The user undertakes to respect the rights of Intellectual and Industrial Property owned by. The user knows and accepts that the entire website, containing without being exhaustive the text, software, content (including structure, selection, arrangement and presentation of the same), podcast, photographs, audiovisual material and graphics, is protected by trademarks, rights copyright and other legitimate rights, in accordance with international treaties to which Spain is a party and other property rights and laws of Spain. In the event that a user or a third party considers that there has been a violation of their legitimate intellectual property rights due to the introduction of certain content on the web, they must notify ALISON LOWTHER DE COTTA of said circumstance, indicating:

  • Personal data of the interested owner of the rights allegedly infringed, or indicate the representation with which he acts in case the claim is presented by a third party other than the interested party.
  • Indicate the contents protected by intellectual property rights and their location on the web, the accreditation of the indicated intellectual property rights and an express declaration in which the interested party is responsible for the veracity of the information provided in the notification.

Exclusion of guarantees and responsible party

ALISON LOWTHER DE COTTA (ALISON LOWTHER DE COTTA) does not grant any guarantee nor is it responsible, in any case, for damages of any nature that could be caused by:

  • The lack of availability, maintenance and effective functioning of the web, or its services and contents.
  • The existence of malware, malicious or harmful programs in the contents.
  • Illegal, negligent, fraudulent use or use contrary to this Legal Notice.
  • The lack of legality, quality, reliability, usefulness and availability of the services provided by third parties and made available to users on the website.
  • The provider is not responsible under any circumstances for damages that may arise from the illegal or improper use of this website.

Applicable law and jurisdiction

In general, the relations between ALISON LOWTHER DE COTTA and the users of its telematic services, present on this website, are subject to Spanish legislation and jurisdiction and to the courts of Valencia.

Contact

Should any user have any questions about these Legal Conditions or any comments about the portal https://mortgagemattersspain.es, please contact alison.decotta@mortgagemattersspain.com.

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