Conditions governing access to and use of the Credentaro website at credentaro.com.
Last updated: 5 April 2026
These Terms of Use govern your access to and use of the website located at credentaro.com (the "Website"), operated by Credentaro, a non-profit association registered in Spain (NIF: G37096193). By accessing or using the Website, you agree to be bound by these Terms. If you do not agree, please do not use the Website.
The Website provides informational content about Credentaro's non-profit educational activities, including free workshops on digital literacy, safe online banking, fraud identification, and pension revaluation for people aged 65 and over.
The content on this Website is provided for general informational and educational purposes only. It does not constitute financial advice, legal advice, security advice, or any other form of professional advice. Credentaro is not affiliated with any bank, financial institution, or government body.
You agree to use the Website only for lawful purposes and in a manner that does not infringe the rights of others. You must not:
All content on this Website, including but not limited to text, graphics, logos, images, and the selection and arrangement thereof, is the property of Credentaro or its content suppliers and is protected by applicable intellectual property laws.
You may view and print pages from the Website for personal, non-commercial use only. Any other use, including reproduction, modification, distribution, or republication, requires the prior written consent of Credentaro.
The Credentaro name and logo are identifying marks of the association. Nothing on this Website grants any licence to use them.
The Website and its content are provided "as is" without any warranties of any kind, either express or implied. Credentaro does not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components.
Educational content on this Website reflects general information available at the time of publication. Financial regulations, banking practices, and pension rules change over time. Always verify current information with official sources such as the Banco de España, the Agencia Tributaria, or the Seguridad Social.
The Website may contain links to external websites for informational purposes. These links are provided for your convenience. Credentaro has no control over the content of those sites and accepts no responsibility for them or for any loss or damage that may arise from your use of them. The inclusion of a link does not imply endorsement of the linked site.
To the fullest extent permitted by applicable law, Credentaro shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of, or inability to use, the Website or its content. This limitation applies regardless of the basis of liability, whether in contract, tort, or otherwise.
Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded by Spanish law.
Credentaro reserves the right to modify these Terms of Use at any time. Changes will be effective immediately upon posting to the Website. The "Last updated" date at the top of this page will reflect when changes were last made. Continued use of the Website after changes are posted constitutes your acceptance of the revised Terms.
These Terms of Use are governed by and construed in accordance with the laws of Spain. Any disputes arising in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of Seville, Spain, unless mandatory consumer protection laws in your jurisdiction provide otherwise.
For questions about these Terms, contact us at info@credentaro.com or write to C. Sta. María de los Reyes, 6, Local A, 41008 Sevilla, España.