Website Terms of Use

Website Owner and Service Providers

Niuvo.com (hereinafter, the "Website") is a domain registered in the name of Niuvo Capital S.L., with NIF B22713051 and registered address at C/ Hervidero, 5 – 28750 San Agustín del Guadalix, Madrid, Spain, data of registration in the Commercial Registry of Madrid in electronic folio IRUS: 1000457226570 inscription 1.

The information and services offered through this Website are provided by Niuvo Capital S.L., and other companies within its group (collectively, "Niuvo") in accordance with applicable laws and regulations and, where applicable, under the supervision of the Directorate General for Insurance and Pension Funds and other relevant supervisory authorities in the jurisdictions where Niuvo operates.

Contact Details

Conditions of Use

By accessing or making use of this Website, you confirm that you (a) have read and unreservedly accepted these Terms of Use, and you agree to fully comply with them, and (b) that you have full legal capacity, having account of your age and/or situation, to accept these Terms of Use. If you do not agree to these Terms of Use, you must not use this Website. You are also responsible for ensuring that all persons who access our site through your internet connection are aware of these terms of service and other applicable terms of service, and that they comply with them.

Access to and use of this Website is free of charge, except for the cost of connection through the telecommunications network provided by your access provider.

The information provided through this Website is for general information only and is non-binding, and may be modified and updated by Niuvo at any time. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on the Website.

Niuvo does not warrant, represent or guarantee the absence of errors in the content of the Website, nor that it is always up-to-date, although Niuvo will use its best efforts to, where appropriate, prevent, correct, or update it. Niuvo does not warrant, represent or guarantee that the Website, or any content on it, will always be available or be uninterrupted. Niuvo does not guarantee that our site will be secure or free from bugs or viruses.

You are responsible for configuring your information technology, computer programs and platform to access the Website. You should use your own virus protection software.

Your use of the information contained in the Website is your sole responsibility. Niuvo shall not be liable for the use that you and/or third parties may make of the Website, nor for any damages that may arise therefrom.

You agree to use the Website in accordance with applicable laws and regulations and the provisions of these Terms of Use. You agree not to use the Website for illicit, fraudulent, or harmful purposes, nor to engage in any conduct that may harm the image, interests, or rights of Niuvo or third parties.

You must not misuse the Website by knowingly introducing viruses, trojans, worms, logic bombs or other material that is malicious or technologically harmful, or otherwise harmfully interacting with our site or any part of it. You must not attempt to gain unauthorised access to the Website, the server on which the Website is stored or any server, computer or database connected to the Website or any other equipment or network connected with the Website. You must not interfere with, damage or disrupt any software used in the provision of the Website or any equipment or network or software owned or used by any third party on which this Website relies in any way. You must not attack the Website via a denial-of-service attack or a distributed denial-of-service attack. By breaching this provision, you would commit a criminal offence. We will report any such breach to the relevant law enforcement authorities and we will co-operate with those authorities by disclosing your identity to them. In the event of such a breach, your right to use the Website will cease immediately.

Niuvo reserves the right to modify this Website or to suspend its operation at any time without the need to notify you. Every time you wish to use the Website, please check these Terms of Use to ensure you understand the terms that apply at that time.

Additionally, in the event of non-compliance with the Terms of Use or any other terms or conditions set forth on the Website, Niuvo reserves the right to limit, suspend, or block your access to the Website, through any technical measure it deems necessary to achieve this.

Niuvo may transfer its rights and obligations under these Terms of Use to another organisation. We will ensure that the transfer will not affect your rights under the contract.

How you may use material on the Website

Niuvo's trade marks are registered. You are not permitted to use them without our approval, unless they are part of material you are using as permitted under these Terms of Use.

We are the owner or the licensee of all intellectual property rights on the Website, and in the material published on it. Those works are protected by copyright laws and treaties around the world. All such rights are reserved.

You may print off one copy, and may download extracts, of any page(s) from the Website for your personal use and you may draw the attention of others within your organisation to content posted on the Website.

You must not modify the paper or digital copies of any materials you have printed off or downloaded in any way, and you must not use any illustrations, photographs, video or audio sequences or any graphics separately from any accompanying text.

Our status (and that of any identified contributors) as the authors of content on the Website must always be acknowledged (except where the content is user-generated).

You must not use any part of the content on the Website for commercial purposes without obtaining a licence to do so from us or our licensors.

If you print off, copy, download, share or repost any part of the Website in breach of these Terms of Use, your right to use the Website will cease immediately and you must, at our option, return or destroy any copies of the materials you have made (except that you are permitted to print off a copy of these terms of service).

No text or data mining, or web scraping

Unless expressly permitted by applicable laws, you shall not conduct, facilitate, authorise or permit any text or data mining or web scraping in relation to the Website or any services provided via, or in relation to, the Website for any purpose, including the development, training, fine-tuning or validation of AI systems or models. This includes using (or permitting, authorising or attempting the use of):

The provisions in this clause should be treated as an express reservation of our rights in this regard, including for the purposes of Article 4(3) of the Digital Copyright Directive ((EU) 2019/790).

Rules about linking to our site

You may link to the Website, provided you do so in a way that is fair and legal and does not damage our reputation or take advantage of it.

You must not establish a link in such a way as to suggest any form of association, approval or endorsement on our part where none exists.

Our Website must not be framed on any other site, nor may you create a link to any part of our site other than the home page.

We reserve the right to withdraw linking permission without notice.

Limitation of Liability

We do not exclude or limit in any way our liability to you where it would be unlawful to do so. This includes liability for death or personal injury caused by our negligence or the negligence of our employees, agents or subcontractors and for fraud or fraudulent misrepresentation.

Unless prohibited by applicable law, Niuvo excludes all implied conditions, warranties, representations or other terms that may apply to the Website or any content on it.

As far as is permitted by applicable law, Niuvo will not be liable to you for any loss or damage, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, even if foreseeable.

Applicable Law

These Terms of Use, their subject matter and their formation (and any non-contractual disputes or claims) are governed by Spanish law. Any dispute arising from, or related to, these Terms of Use shall be definitively settled by arbitration in accordance with the Rules of the Madrid International Arbitration Center in force at the time of the request for arbitration.

Legal Notice

This website is owned and operated by Niuvo Capital S.L., a Spanish company with tax identification number (NIF) B22713051. The company maintains its registered address at C/ Hervidero, 5 – 28750 San Agustín del Guadalix, Madrid, Spain. Niuvo Capital S.L. is duly registered in the Commercial Registry of Madrid in electronic folio IRUS: 1000457226570, inscription 1.

This website does not use cookies or tracking technologies.

This website is currently for informational and investor-relation purposes only and does not yet facilitate the mediation or contracting of insurance products.