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  1. Legal information and acceptance

These provisions regulate the use of the Internet portal service [https://veltisrating.com/], hereinafter “the Web”, owned by VELTIS RATING S.L. C.I.F. B-70399753, Calle Roberto Tojeiro nº1, Mezzanine A and B, 15009, A Coruña, Galicia; hereinafter VELTIS RATING S.L® makes available to Internet users. Access to the website is free except for the cost of the connection through the telecommunications network provided by the access provider contracted by users. Certain services are exclusive for our clients and their access is restricted. The training services provided by VELTIS RATING S.L® in general have the price indicated in the corresponding service proposal and in no case are they offered or provided through the Portal service. The use of the Portal attributes the condition of user of the Portal [hereinafter, the ‘User’] and implies acceptance of all the conditions included in this Legal Notice. The provision of the Portal service has a limited duration when the User is connected to the Portal or to any of the services that are provided through it. Therefore, the User must carefully read this Legal Notice on each of the occasions in which they intend to use the Portal, since it and its conditions of use contained in this Legal Notice may be modified. Some Portal services accessible to Internet users or exclusively for VELTIS RATING SL® customers may be subject to particular conditions, regulations and instructions that, where appropriate, replace, complete and / or modify this Legal Notice and that must be accepted by the User before starting the provision of the corresponding service.

2. Intellectual and industrial property

All the contents of the Portal, understood by these as merely illustrative, the texts, photographs, graphics, images, icons, technology, software, links and other audiovisual or sound content, as well as its graphic design and source codes [hereinafter, the ‘Contents’], are the intellectual property of VELTIS RATING SL® or of third parties, without any of the exploitation rights recognized by current regulations on intellectual property over them being understood to be assigned to the User, except those that are strictly necessary for the use of the Portal. The trademarks, trade names or distinctive signs are owned by VELTIS RATING S.L® or third parties, without it being understood that access to the Portal attributes any right to the aforementioned trademarks, trade names and / or distinctive signs.

3. Conditions of use of the portal

3.1 General

The User undertakes to make correct use of the Portal in accordance with the Law and this Legal Notice. The User will respond to VELTIS® or to third parties for any damages that may be caused as a result of the breach of said obligation. The use of the Portal for harmful purposes of goods or interests of VELTIS RATING SL® or of third parties or that in any other way overload, damage or disable the networks, servers and other computer equipment [hardware] or computer products and applications [ software] from VELTIS RATING SL® or third parties.

3.2 Contents

The User agrees to use the Contents in accordance with the Law and this Legal Notice, as well as with the other conditions, regulations and instructions that may be applicable in accordance with the provisions of clause 1. Merely By way of example, the User in accordance with current legislation must refrain from: a] Reproduce, copy, distribute, make available, publicly communicate, transform or modify the Contents except in the cases authorized by law or expressly consented to by VELTIS® or by whoever holds the ownership of the exploitation rights, where appropriate. b] Reproduce or copy for private use the Contents that may be considered as Software or Database in accordance with current legislation on intellectual property, as well as their public communication or making them available to third parties when these acts necessarily imply reproduction by the User or a third party. c] Extract and / or reuse all or a substantial part of the Contents of the Portal as well as the databases that VELTIS® makes available to Users.

3.3 Data collection forms

Without prejudice to the provisions of clause 5 of this Legal Notice, as well as the privacy policies accessible from the Portal and that may be applicable at any time, the use of certain services or requests addressed to VELTIS RATING SL® are conditioned to prior completion of the corresponding User registration. All information provided by the User through the Portal forms for the above or any other purposes must be truthful. For these purposes, the User guarantees the authenticity of all the data communicated and will keep the information provided to VELTIS RATING S.L® perfectly updated so that it responds, at all times, to the real situation of the User. In any case, the User will be solely responsible for any false or inaccurate statements made and for the damages caused to VELTIS RATING S.L® or to third parties for the information provided.

3.4 Introduction of links to the Portal

The Internet user who wants to introduce links from their own web pages to the Portal must comply with the conditions detailed below without the ignorance of them avoiding the responsibilities derived from the Law:

a] The link will only link to the home page or main page of the Portal but it will not be able to reproduce it in any way [inline links, copy of texts, graphics, etc]. b] It will be prohibited in any case, in accordance with the applicable and current legislation at all times, to establish frames or frames of any kind that surround the Portal or allow the content to be viewed through Internet addresses other than those of the Portal and , in any case, when they are viewed together with content outside the Portal in such a way that: [I] produces, or may produce, error, confusion or deception in users about the true origin of the service or Contents; [II] involves an act of unfair comparison or imitation; [III] serve to take advantage of the reputation of the brand and prestige of VELTIS RATING S.L®; or [IV] in any other way is prohibited by current legislation. c] No false, inaccurate or incorrect statement about VELTIS®, its partners, employees, clients or the quality of the services it provides will be made from the page that introduces the link. d] In no case, will it be expressed on the page where the link is located that VELTIS RATING S.L® has given its consent for the insertion of the link or that it otherwise sponsors, collaborates, verifies or supervises the services of the sender. e] The use of any word, graphic or mixed trademark or any other distinctive sign of VELTIS RATING SL® is prohibited within the sender’s page except in cases permitted by law or expressly authorized by VELTIS RATING SL® and provided that it is allow, in these cases, a direct link to the Portal in the manner established in this clause.
f] The page that establishes the link must faithfully comply with the law and may in no case have or link to its own content or that of third parties that: [I] is illegal, harmful or contrary to morality and good customs [pornographic, violent, racist, etc.]; [II] induce or may induce in the User the false conception that VELTIS RATING S.L® subscribes, endorses, adheres or in any way supports, the ideas, statements or expressions, legal or illegal, of the sender; [III] are inappropriate or not relevant to the activity of VELTIS RATING S.L® in attention to the place, content and theme of the sender’s website

4. Exclusion of liability

4.1 Information

Access to the Portal does not imply an obligation on the part of VELTIS RATING S.L® to verify the veracity, accuracy, adequacy, suitability, completeness and timeliness of the information provided through it. The contents of this page are of a general nature and do not constitute, in any way, the provision of the training service or of any kind, so such information is insufficient for the User to make personal or business decisions. VELTIS RATING S.L® is not responsible for the decisions made based on the information provided on the Portal or for the damages caused to the User or third parties due to actions that are based solely on the information obtained on the Portal.

4.2 On the quality of service

Access to the Portal does not imply an obligation on the part of VELTIS RATING S.L® to control the absence of viruses, worms or any other harmful computer element. In any case, the User is responsible for the availability of adequate tools for the detection and disinfection of harmful computer programs. VELTIS RATING S.L ® is not responsible for the damages produced in the computer equipment of the Users or third parties during the provision of the Portal service.

4.3 On the availability of the Service

Access to the Portal requires services and supplies from third parties, including transportation through telecommunications networks whose reliability, quality, continuity and operation do not correspond to VELTIS RATING S.L®. Consequently, the services provided through the Portal may be suspended, canceled or inaccessible, prior to or simultaneously with the provision of the Portal service. VELTIS RATING SL® is not responsible for damages of any kind caused to the User that cause failures or disconnections in the telecommunications networks that produce the suspension, cancellation or interruption of the Portal service during the provision of the same or with previous character.

4.4 Of the contents and services linked through the Portal

The Portal access service includes technical link devices, directories, and even search tools that allow the User to access other Internet pages and portals [hereinafter, ‘Linked Sites’]. In these cases, VELTIS RATING SL® acts as a provider of intermediation services in accordance with article 17 of Law 34/2002, of July 12, on Services of the Information Society and Electronic Commerce [‘LSSI’] and you will only be responsible for the content and services provided on the Linked Sites to the extent that you have effective knowledge of the illegality and have not deactivated the link with due diligence. In the event that the User considers that there is a Linked Site with illegal or inappropriate content, he or she may notify VELTIS RATING SL® in accordance with the procedure and the effects established in clause 6, without in any case this communication entailing the obligation to remove the corresponding link. In no case, the existence of Linked Sites should presuppose the existence of agreements with those responsible or owners thereof, nor the recommendation, promotion or identification of EIREA® with the statements, content or services provided. VELTIS RATING SL ® does not know the contents and services of the Linked Sites and therefore is not responsible for the damages produced by the illegality, quality, outdated, unavailability, error and uselessness of the contents and / or services of the Linked Sites or for any other damage that is not directly attributable to VELTIS RATING SL®.

5. Protection of personal data

5.1. Treatment of personal data In compliance with the provisions of Organic Law 15/1999, of December 13, Protection of Personal Data [‘LOPD’], we inform you that the personal data and information you provide us when filling in any electronic form available at the Portal [‘Data’], will be incorporated into a personal data file owned by VELTIS RATING SL®. The purpose of the data processing is to process your request. The questions included in each of the forms are voluntary, except those marked with an asterisk [*] which are mandatory. In the case of not answering the mandatory questions, VELTIS RATING S.L® reserves the right not to process incomplete applications.

5.2. Data communication to third parties In order to satisfy your request, or request for information, it may be necessary for your Data to be communicated by VELTIS RATING S.L® to the other companies that make up the VELTIS CORPORATION® Group. The VELTIS SUPERVISOR® companies are related and can be consulted at any time on the website: https://www.VELTISRATING.com. The companies of the VELTIS SUPERVISOR® Group are related and can be consulted at any time on the website: http://www.VELTISRATING.com. The companies of the VELTIS SUPERVISOR® Group are dedicated to the provision of the following services: [i] press agency; [ii] real estate research; [iii] study, research, training and dissemination activities on matters of professional, university and business interest; [iv] real estate journalism, and [v] charitable activities. The companies of the VELTIS SUPERVISOR® Group are located in Spain and abroad, both inside and outside the European Union, in countries that can offer a level of protection that is not comparable to Spanish.

5.3. Commercial communications In any of the electronic forms, your express consent will be requested to be able to send you commercial communications by any means, including email or equivalent electronic means of communication, in accordance with the provisions of article 21 LSSI.

5.4. Security measures VELTIS RATING SL® adopts the security levels required by Royal Decree 1720/2007, of December 21, which approves the Development Regulation of the LOPD, appropriate to the nature of the data that is subject to treatment in each moment. Notwithstanding the foregoing, technical security in a medium such as the Internet is not impregnable and there may be malicious actions by third parties, although VELTIS RATING S.L® puts all the means at its disposal to avoid such actions.

5.5. Cookies use policy In compliance with the provisions of article 22.2 LSSI, VELTIS RATING SL® will only use data storage and recovery devices [‘Cookies’] when the user has given their prior consent to do so in accordance with what is indicated in the pop-up window of the user’s browser when accessing the Portal for the first time and in the other terms and conditions that are indicated in the VELTIS RATING® Cookies Policy that every user should know.

5.6. ARCO rights

The User may exercise their rights of Access, Rectification, Cancellation and Opposition [‘ARCO Rights’] in the legally provided terms, having to direct a communication by postal mail to the Department of Data Protection and Privacy of VELTIS RATING SL®, Calle Roberto Tojeiro nº1, Entresuelo A and B, 15009, A Coruña, Galicia or by sending an email to the following address: lopd@veltiscorporation.com, indicating in both cases your name, surname and ID.

6. Communication of illegal and inappropriate activities

In the event that the User or any other Internet user becomes aware that the Linked Sites refer to pages whose contents or services are illegal, harmful, degrading, violent or contrary to morality, they may contact VELTIS RATING SL® indicating the following extremes: a] Personal data of the caller: name, address, telephone number and email address; b] Description of the facts that reveal the illegal or inappropriate nature of the Linked Site; c] In the event of violation of rights, such as intellectual and industrial property, the personal data of the owner of the infringed right when it is a person other than the communicator. Likewise, you must provide the title that proves the legitimacy of the owner of the rights and, where appropriate, that of representation to act on behalf of the owner when it is a person other than the communicator; d] Express declaration that the information contained in the claim is accurate. The reception by VELTIS RATING S.L® of the communication provided for in this clause will not imply, according to the provisions of the LSSI, effective knowledge of the activities and / or contents indicated by the communicator. Likewise, you must provide the title that proves the legitimacy of the owner of the rights and, where appropriate, that of representation to act on behalf of the owner when it is a person other than the communicator; Express declaration that the information contained in the claim is accurate. The reception by VELTIS RATING S.L® of the communication provided for in this clause will not imply, according to the provisions of the LSSI, effective knowledge of the activities and / or contents indicated by the communicator.

7.Legislation

This Legal Notice is governed in each and every one of its extremes by Spanish law.