Terms of Use

Last Updated: 7 March 2026

1. Identification of the Website Owner

This website is owned and operated by OptiDinero (NIF: F68181754), with registered address at Av. de Castilla y León, 46, bajo, 09006 Burgos, Spain. Contact: info@optidinero.com / +34 947 075 990.

2. Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by these Terms of Use. If you do not agree with any part of these terms, please do not use this website. We reserve the right to modify these terms at any time. Continued use of the website following any changes constitutes acceptance of the revised terms.

3. Nature of the Website and Content

OptiDinero provides informational and educational content about personal financial planning, including interactive calculators, scenario simulators and visualisation tools. The content on this website is provided for general informational and educational purposes only.

The tools and content on this website do not constitute financial advice, investment advice, tax advice or any other form of regulated advice. Nothing on this website should be interpreted as a recommendation to take any particular financial action. For personalised financial guidance, you should consult a qualified and regulated financial professional.

4. Permitted Use

You may access and use this website for personal, non-commercial purposes. You agree not to:

  • Use the website in any way that violates applicable laws or regulations
  • Attempt to gain unauthorised access to any part of the website or its underlying systems
  • Transmit any unsolicited or unauthorised advertising or promotional material
  • Reproduce, duplicate, copy or re-sell any part of the website in contravention of these terms
  • Use automated tools to scrape, crawl or extract data from the website without prior written consent

5. Intellectual Property

All content on this website, including but not limited to text, graphics, logos, images and software, is the property of OptiDinero or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute or create derivative works from any content on this website without express written permission.

6. Disclaimer of Warranties

The website and its content are provided on an "as is" and "as available" basis without any warranties of any kind, express or implied. OptiDinero does not warrant that the website will be uninterrupted, error-free or free from viruses. We make no warranties regarding the accuracy, completeness or suitability of the content for any particular purpose.

7. Limitation of Liability

To the fullest extent permitted by applicable law, OptiDinero shall not be liable for any indirect, incidental, special, consequential or punitive damages arising from your use of, or inability to use, this website or its content. This includes any financial decisions made based on information obtained from this website.

8. Third-Party Links

This website may contain links to third-party websites. These links are provided for your convenience only. OptiDinero 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.

9. Governing Law and Jurisdiction

These Terms of Use are governed by the laws of Spain. Any disputes arising from these terms or your use of the website shall be subject to the exclusive jurisdiction of the courts of Burgos, Spain, except where mandatory consumer protection laws provide otherwise.

10. Contact

For any questions regarding these Terms of Use, please contact us at info@optidinero.com or by post at our registered address.