Please read this disclaimer carefully before using any information published on FintechHub (fintechhub.es). By accessing and using this website, you acknowledge that you have read, understood, and agree to the terms set out below.
1. Not Financial Advice
The content published on FintechHub — including articles, guides, comparisons, reviews, and all other materials — is provided for general informational and educational purposes only.
Nothing on this website constitutes, or should be interpreted as, professional financial advice, investment advice, tax advice, legal advice, or any other regulated financial service. The information presented does not take into account your individual financial situation, objectives, risk tolerance, or specific needs.
2. No Professional Licence
Victor Ruiz, the founder of FintechHub, is an active real estate professional and digital entrepreneur based in Spain. He is not a registered financial advisor, investment broker, or licensed financial planner under Spanish law (CNMV) or any other regulatory body.
The insights shared on this website are drawn from personal professional experience in the real estate sector and independent research into fintech products. They are opinions and observations, not regulated recommendations.
3. Do Your Own Research
Before making any financial decision — including but not limited to opening a savings account, choosing a neobank, investing in real estate, or allocating funds to any financial product — you should:
- Conduct your own independent research
- Consult a qualified and regulated financial advisor or wealth manager
- Carefully read all terms, conditions, and risk disclosures of any financial product
- Consider your personal financial situation and risk capacity
4. Accuracy of Information
FintechHub makes every effort to ensure the information published is accurate and up to date at the time of writing. However, the financial industry changes rapidly. Interest rates, product features, regulatory requirements, and company details can change without notice.
We do not guarantee the completeness, accuracy, timeliness, or reliability of any information on this site. FintechHub accepts no liability for any errors, omissions, or outdated information, or for any losses or damages arising from reliance on the content published here.
5. Third-Party Links and Products
FintechHub may contain links to third-party websites, financial products, or services. These links are provided for convenience and reference only. We do not endorse, control, or take responsibility for the content, privacy practices, or terms of any third-party website or product.
Where FintechHub participates in affiliate programmes (such as referral links for neobanks or savings platforms), this will be clearly disclosed within the relevant article. Affiliate relationships do not influence our editorial content or opinions.
6. Investment Risk
All investments carry risk. The value of financial assets — including real estate, stocks, funds, and digital assets — can go down as well as up. Past performance is not a reliable indicator of future results. You may get back less than you invest.
High-yield savings accounts and neobanking products are subject to the terms and conditions of the relevant institution and may change at any time. Always verify deposit protection coverage applicable in your country before committing funds.
Important: If you are in Spain, financial advisory services are regulated by the Comisión Nacional del Mercado de Valores (CNMV). Always verify that any financial professional or firm you consult is registered with the CNMV or the relevant authority in your country before acting on their advice.
7. Limitation of Liability
To the fullest extent permitted by applicable law, FintechHub, its founder, contributors, and affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of, or reliance on, any content published on this website.
8. Changes to This Disclaimer
This Financial Disclaimer may be updated periodically to reflect changes in applicable law or the nature of content published on FintechHub. The date of the most recent revision is displayed at the top of this page. Continued use of the website after any changes constitutes your acceptance of the updated disclaimer.
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