Fundera
FUNDERA LEGAL CONDITIONS
DATA PROTECTION POLICY
LEGAL WARNING FROM FUNDERA.EU

FUNDERA S.L. advises users of the fundera.eu portal that the company FUNDERA S.L. abide by current Spanish legislation on matters of personal data protection, users' privacy and the secrecy and security of personal data, as provided in Organic Law 15/1999, of 13 December, governing Personal Data Protection and in Royal Decree 1720/2007, of 21 December, which approve the Regulations that develop Organic Law 15/1999, by adopting the necessary technical and organisational measures to avoid the loss, misuse, alteration, unauthorised access or theft of the personal data provided, taking into account the state of the technology used, the nature of the data and the risks to which it is exposed.

Specifically, FUNDERA S.L. informs users of its fundera.eu portal that personal data can only be obtained for processing if they are appropriate, pertinent, and not excessive for the determined area and ends, explicit and legitimate, for which they were obtained. They will be cancelled when they are no longer necessary or pertinent for these ends, or when their owner requests they be cancelled.

When fundera.eu gathers personal data, users shall receive clear and specific prior notification of the following:
• The existence of a file or processing of data of a personal nature, the reasons for gathering such data and the recipients of this information.
• Recording of the file in the Data Protection Agency's Register.
• The obligatory or optional nature of the replies to any questions which may be asked, and the consequences of obtaining data or the refusal to supply them.
• The possibility of exercising the right to access, correct, cancel and oppose this data.
• Name and address of those responsible for data processing.

All responsibility for the completion of forms with false, inaccurate, incomplete or outdated information shall be that of the user.

Any transfer of the personal data of users of this portal to third parties shall be duly communicated to those affected, specifying the identity of the recipients of the data and the uses to which they will be put.

LEGAL NOTICE

© 2014 Fundera S.L., Gran Vía 59, 8º C, 28013 Madrid. Spain.
Registro Mercantil de Madrid, al tomo 32816 de Sociedades, folio 161, hoja número M-590707, inscripción 1 CIF. B-87118329
All rights reserved.

1. The intellectual property rights of the fundera.eu web site, its source code, design, navigational layout, data bases and various items of content are owned by Fundera S.L. which has the exclusive rights to use these in any way it deems appropriate, and, in particular, rights of reproduction, distribution, public communication and transformation.

2. These general terms and conditions govern access and use of the fundera.eu web site which Fundera places at the disposal of internet users free of charge. Access to the web site implies unreserved acceptance of the aforementioned general terms and conditions. The use of certain services offered on this web site shall also be governed by the specific conditions stipulated in each case, which shall be understood to have been accepted simply by use of such services.

3. Viewing, printing and partially downloading any of the web site's content is authorised solely and exclusively under the following conditions: • That this be compatible with the purposes of the fundera.eu web site. • That the information thus obtained is solely for personal and private use. Use of the web site's content for commercial purposes or for distribution, public communication, conversion or decompilation is expressly prohibited. • That none of the web site's content be altered in any way. • That no chart, icon or image available on the web site be used, copied or distributed separately from any accompanying text and images.

4. Fundera, S.L. reserves the right, at any time and without prior warning, to alter and update the information contained in the web site, the configuration and presentation of the site, and the access conditions.

5. Fundera, S.L. cannot guarantee that there will be no interruptions or errors in access to the web site or in its content, nor that the latter is up-to-date, although it will strive to prevent and remedy any such interruptions and errors and to update content, if necessary.

6. Both access to this web site and the use made of the information contained therein is the exclusive responsibility of the user. Fundera shall not be responsible for any consequence, damage or injury that may result from access or use of the information. Fundera shall not be responsible for any possible security errors which may occur nor for any possible damage to the user's computer system (hardware and software), or to the files or documents stored therein, caused by the presence of a virus in the computer used by the user to connect to the web site's services and content, by the malfunctioning of the browser or by the use of out-of-date versions of the said browser.

7. Fundera assumes no responsibility whatsoever in respect of connection to or the content of third party links contained on the web site, nor does it guarantee the absence of viruses or other elements in the said links which may cause alterations to the user's computer system (hardware and software), documents or files, including responsibility for any damages of any kind caused to the user for this reason.

8. Fundera S.L. owns the industrial property rights relating to its products and services, and specifically those relating to the "Fundera" registered trademark. With regard to third party products and services mentioned on the web site, Fundera, S.L. acknowledges the claim of the owners to the corresponding industrial and intellectual property rights, their mere mention or inclusion in the web site according Fundera no rights or responsibility whatsoever in respect of the said products and services, nor implying any endorsement, sponsorship, or recommendation on the part of Fundera, S.L.

9. Unauthorised use of the information included on this web site, its sale to third parties, and any breach of Fundera S.L.'s Intellectual or Industrial Property rights shall give rise to the legally established responsibilities.

10. All third party links to this web site must be to the homepage.

11. Fundera S.L. and the user, expressly waiving their right of recourse to any other jurisdiction, hereby submit to the jurisdiction of the Courts of the user's place of residence for the resolution of any dispute that may arise in relation with access to this web site. If the user's place of residence is outside of Spain, Fundera S.L. and the user, expressly waiving their right of recourse to any other jurisdiction, hereby submit to the jurisdiction of the Courts of Madrid (Spain).

COOKIES POLICY

In compliance with Spanish law governing the use of cookies in relation to providing electronic communications services, set out in Royal Decree-law 13/2012 of 30 March, we hereby inform you about the cookies used on Fundera S.L.’s website, Fundera.eu (hereinafter, the website) and the reason for their use. Similarly, Fundera S.L. informs you that by browsing the website, you agree to our use of cookies. WHAT ARE COOKIES AND WHAT ARE THEY USED FOR?

A cookie is a file that is downloaded to the computer, tablet, smartphone or any other device on accessing certain websites. Cookies allow a website to store and retrieve information about a user or device's browsing habits and depending on the information it contains and how the device is used, they can be used to recognise a user. Under no circumstance can cookies damage your device. In fact, enabling cookies helps us to identify and resolve possible errors. IDENTIFYING COOKIES

Below is a list of cookies arranged into a series of categories. However, bear in mind that a cookie could be included in more than one category.

Cookies according to the entity that manages them: Depending on the entity that manages the server or domain from which the cookies are sent and which processes the data they contain, cookies can be classified into: • First-party cookies: These cookies are sent to the user's device from a server or domain managed by the publisher and which provides the service requested by the user. • Third-party cookies: These cookies are sent to the user's device from a server or domain that is not managed by the publisher but by another entity that processes the data collected through cookies. If cookies are installed from a server or domain managed by the publisher but the information collected though them is managed by a third-party, they are not classed as first-party cookies.

Cookies according to the entity that manages them: Depending on the entity that manages the server or domain from which the cookies are sent and which processes the data they contain, cookies can be classified into: • First-party cookies: These cookies are sent to the user's device from a server or domain managed by the publisher and which provides the service requested by the user. • Third-party cookies: These cookies are sent to the user's device from a server or domain that is not managed by the publisher but by another entity that processes the data collected through cookies. If cookies are installed from a server or domain managed by the publisher but the information collected though them is managed by a third-party, they are not classed as first-party cookies.

Cookies according to their purpose: Depending on the purpose of the data collected through the cookie, cookies can be divided into: Technical cookies: These cookies allow the user to browse a website, platform or application and use the options or services available, such as control traffic and data communications, identify the session, access areas with restricted access, remember the items included in an order, carry out the purchase process for an order, complete an event registration or participation form, use security components while browsing, store content to play videos or sounds or share content on social networks. Personalisation cookies: These cookies allow users to access the service with some general features defined by default according to a series of criteria on the user's device, such as language, browser used to access the service, regional settings from which the service is accessed, etc. Analytics cookies: These cookies allow the entity in charge of them to track and analyse the behaviour of users of the websites to which they are linked. The information collected by these cookies is used to measure the activity of the websites, applications or platforms and to compile browsing profiles of the users of these websites, applications and platforms in order to make improvements based on analysing the data on how users use the service. Advertising cookies: These cookies allow the advertising space that the publisher has included on the website, application or platform used to provide the service to be used as efficiently as possible based on criteria such as edited content or how frequently advertisements are shown. Behavioural advertising cookies: These cookies allow the advertising space that the publisher has included on the website, application or platform used to provide the service to be used as efficiently as possible. These cookies store information about user behaviour collected by constantly monitoring their browsing habits, which allows a specific profile to be developed to display advertising accordingly.

The cookies used on our website are first-party and third-party. They allow us to store and access information related to the language, the browser used and other general features defined by the user and to track and analyse their activity in order to improve our services in a more efficient and personalised way. Fundera S.L. does not use advertising or behavioural advertising cookies. Cookies offer many benefits when providing information society services, as they: (i) help users to browse the website and access the services available; (ii) save users from having to configure the general features defined by default whenever they access the website; (iii) aid improved functioning and services provided by the website, after the corresponding analysis of the information collected via the cookies installed. Fundera S.L. does not collect or store your personal data (for example, name and address) and therefore, this data cannot be used to identify you. However, you can configure your browser, allow or block cookies, or select those that can be installed and those that cannot by following the procedure for the browser used:

Google Chrome
Mozilla Firefox
Internet Explorer
Safari
Opera
Internet Explorer (Windows Phone)
Safari for iOS (iPhone and iPad)
Chrome for Android

ON ITS WEBSITE, FUNDERA S.L. USES:

Session cookies:
Session cookies are stored and are temporary, that is, they expire when the user finishes browsing the website. These cookies do not permanently store any data on the hard disk of your computer.

THIS IS A TABLE OF COOKIE'S INFORMATION

Cookie Owner Duration Purpose Level
Fundera Fundera.eu expires with the session These technical cookies are a session identifier provided by the server. They are used to identify a user when logging on our website and can offer the content the user requires. level 1
FunderaPoliticaCookies Fundera.eu 1 year This technical cookie tells us whether the cookie policy of our website has already been displayed so as not to display it again. level 1

Cookies de análisis:
Fundera S.L. stores Google Analytics cookies on the user's device. Users can exclude their individual activity using the exclusions systems provided by Google Analytics .More information: Google Analytics Cookie Usage on Websites .

THIS IS A TABLE OF COOKIE'S INFORMATION

Cookie Owner Duration Purpose Level
_ga Google 2 years or update Cookie set by analytics.js; JavaScript library belonging to Google. The analytics.js library is part of Google Universal Analytics and uses this source cookie that contains an anonymous identifier to distinguish users. level 2
_gat Google 10 minutes or update Cookie set by analytics.js; JavaScript library belonging to Google. The analytics.js library is part of Google Universal Analytics and uses this source cookie that contains an identifier sessions is used to throttle the amount of requests that are available to be made. level 2
__utma Google 2 years or update This cookie keeps a log of the number of times a user has visited a website, the date of their first visit and of their last visit. level 2
__utmb Google 30 minutes or update This cookie helps calculate the amount of time a user spends on a website, storing the time the user enters the site. level 2
__utmc Google expires with the session This cookie helps calculate the amount of time a user spends on a website, storing the time the user leaves the site. level 2
__utmz Google 6 months or update This cookie helps log the source of the traffic or campaign; tracks the search engine used to access, the links selected, the keywords used and the part of the world from which the site is accessed. level 2
__utmli Google 2 years or update This cookie generates an anonymous user ID, which is used to count the number of times a user visits the website. It also logs the date of the first and last visit to the website. Similarly, it calculates when the session was ended, the origin of the user and the keywords used. level 2

Cookies used by external content providers' plug-ins: The cookies used by external content providers' plug-ins are necessary for users to access content or services provided by third-parties, such as videos hosted on YouTube, geographic locations in Google Maps or offering information about how many times the page of our website being viewed has been rated by Google+1. They are governed by the terms of their respective cookie policies.

Google plug-in cookies Fundera S.L. uses Google external plug-ins. Using them involves sending cookies. For more information, see: How Google uses cookies The information collected by the Google external plug-ins on our website, including the user's IP address, can be sent to Google and stored on its servers. This information is managed entirely by Google. These cookies do not identify users in-person unless they are logged in to Google, in which case they are linked to said Google account. For more information, see: Types of cookies used by Google Fundera S.L. uses the Google Maps to display geographic locations.

Some parts of Fundera S.L.'s website contain incrusted YouTube videos. The cookies implemented by Google on any page that includes a YouTube video are used to measure the number and behaviour of YouTube users, including information that links the visit to our website to their Google account, if the user is logged in. Fundera S.L. uses the plug-in for sharing and rating on Google +1, including the information that links the visit to our website with the user's Google account if the user is logged in and share it with their social circles. For more information see Google's Privacy Policy


THIS IS A TABLE OF COOKIE'S INFORMATION

Cookie Owner Duration Purpose Level
PREF Google 2 years When creating a Google account or logging in, PREF, NID, HSID, APISID, SID, SSID, SAPISID, GAPS, LSID, BEAT and ULS cookies are stored on the computer in order to remain connected to your Google account when you visit its service again. While you are logged in and use plug-ins from other websites, such as ours, Google uses these cookies to improve your user experience. level 2
NID Google 6 months level 2
SNID Google 6 months level 2
GAPS Google expires with the session level 2
LSID Google 2 years level 2
BEAT Google 24 hours level 2
YSC Google expires with the session The Google +1 button on our website is hosted in Google. Your browser sends information from the cookies that Google requires. If you are logged in to your account, this data is used by Google in order to associate it with your account. level 2
Khcookie Google expires with the session level 2
demographics Google 18 months level 2
dkv Google 60 days We use Google Maps on our website to display geographic locations. Using it implies sending PREF, NID, SNID and khcookie cookies, in addition to the cookies that Google requires if you are logged in to your account, managed entirely by Google. level 2
APISID Google 2 years level 2
HSID Google 2 years level 2
SID Google 2 years level 2
SAPISID Google 2 years Some pages of our website contain incrusted YouTube videos, a Google service. Using it implies sending PREF, NID, LOGIN_INFO, ACTIVITY, dkv, USE_HITBOX, demographics, VISITOR_INFO1_LIVE and YSC cookies, in addition to the cookies that Google requires if you are logged in to your account, in order to show the incrusted videos, estimate the bandwidth and display how many times it has been played. level 2
SSID Google 2 years level 2
LOGIN_INFO Google 2 years level 2
ACTIVITY Google expires with the session level 2
USE_HITBOX Google expires with the session level 2
VISITOR_INFO1_LIVE Google 8 months level 2

INTRUSION LEVELS ASSOCIATED WITH THE COOKIES WE USE

The aforementioned cookies incorporate an 'intrusion level' criteria based on a scale of 1 to 3, in which:


REVIEW

These lists will be updated as quickly as possible as the services offered on the website change and evolve. However, during the update the list might not include a cookie, but these cookies will always have the same purposes as those included in these lists.