Legal notice and terms of use

Pursuant to Article 10 of Spain’s LSSI-CE, the information society service provider is:

• Legal name: SKY REAL ESTATE & FINANCIAL SERVICES, S.L. (formerly Finanzas del Cielo, S.L.).
• Tax ID (NIF): B87851150.
• Registro Mercantil de Madrid, tomo 36104, folio 74, hoja M-648701.
• Registered address: Avenida Manuel Fraga Iribarne 38, 1.ª planta, oficina 3, 28055 Madrid, España.
• Trading name: Sky Financial Services.
• Website: https://skyfinancialservices.es.
• General email: madrid@skyfinancialservices.es.
• National phone: +34 684 46 79 05.

SKY REAL ESTATE & FINANCIAL SERVICES, S.L. is a real-estate credit intermediary registered with the Banco de España under code D286. It is not a credit institution and does not grant loans: it intermediates between the client and lenders.

• Verify BE registration D286 ↗
• Credit intermediary information (Art. 35 Law 5/2019)

These General Terms of Use (the “Terms”) govern access to and use of the Website. “Website” means the look and feel of the interfaces (static or dynamic), the navigation tree, the elements integrated therein (“Content”) and any online services or resources offered to Users (“Services”).

This website provides corporate and commercial information about real-estate credit intermediation, educational content, indicative calculators and contact / case-review forms.

Sky Financial Services may modify the Website’s presentation and configuration, and the Content and Services, at any time without prior notice. The User acknowledges that any of these elements or access to them may be interrupted, disabled or cancelled.

Access is generally free of charge, without prejudice to the User’s telecom connection costs. Some Content or Services may require a prior contract; where so, this will be stated clearly and any specific terms made available.

Accessing, browsing and using the Website — including interaction spaces, comments or forms — confers User status and implies acceptance of these Terms and later amendments, without prejudice to mandatory law. Users are encouraged to re-read them on each visit.

Mere access does not create a commercial relationship. The User represents that they are of legal age and have capacity to be bound by these Terms. The Website is not aimed at minors.

The Website is aimed mainly at Users resident in Spain. Full or partial compliance with other countries’ laws is not assured. Access from abroad is at the User’s own risk and subject to local law checks.

Access and browsing also imply acceptance of the privacy, cookies and (where applicable) AI-use policies. If you disagree, do not use the site.

The User is responsible for correct use of the Website, including:

• Using information, Content, Services and data lawfully, without breaching these Terms, the law, morals or public order, and without harming third-party rights or Website operation.
• Ensuring truthfulness and lawfulness of data submitted in forms, and promptly notifying any misuse of identifiers or unauthorised access related to those forms.
• Not harming systems, introducing malware, impersonating others, or engaging in abusive automated use (e.g. unauthorised mass scraping) that affects availability.

Sky Financial Services may remove comments or contributions that breach the law, human dignity, or are discriminatory, xenophobic, racist, pornographic, spam, harmful to minors, public order or safety, or otherwise unsuitable. It is not liable for User opinions in comments or other participation tools.

Calculators are indicative only: they are not a binding offer, FEIN or credit approval. Lending decisions belong exclusively to the lender.

Sky Financial Services does not guarantee absolute continuity, availability or usefulness of the Website, Content or Services. Reasonable efforts are made for proper operation, but uninterrupted or error-free access is not guaranteed, nor that accessible software is free of errors or will not harm the User’s system.

• To the extent permitted by law, we are not liable for loss or damage arising from access, browsing or use, including system damage or viruses.
• We are not liable for improper use of the Website or for outages or telecom failures beyond our control.
• Published information may be updated. It does not replace a personal case review or the lender’s pre-contractual documents (e.g. FEIN).

The Website may provide links (hyperlinks, banners, buttons), directories or other means to third-party sites. These facilitate finding information online and do not imply suggestion, recommendation or invitation to visit them, nor sale of those sites’ products or services.

Sky Financial Services does not review or control third-party content, does not adopt their materials as its own, and assumes no liability for damage from access to, use of, or the quality or lawfulness of content, communications, products or services on sites it does not operate.

If a third party links to this Website: Content or Services may not be reproduced without express authorisation; false or inaccurate statements about the Website or its Content are not permitted; creating the link does not imply a relationship with the linking site’s owner or acceptance of its content or activities.

Sky Financial Services, itself or as assignee, owns the intellectual and industrial property rights in the Website and its elements (including images, audio, video, software, texts, trademarks or logos — including “Sky Financial Services” — colour combinations, structure and design, material selection and software required for operation), without prejudice to licensed third-party rights.

Reproduction, distribution and public communication — including making available — of all or part of the content for commercial purposes, on any medium and by any technical means, is prohibited without authorisation from SKY REAL ESTATE & FINANCIAL SERVICES, S.L., except as allowed by law.

Users may view, print, copy and store Website elements for personal use only. They may not remove, alter or tamper with protection devices or security systems. Suspected IP infringements should be reported via the contact details in section 1.

• We do not guarantee uninterrupted availability or absolute absence of technical errors; we work to keep the site secure and operational.
• We are not responsible for third-party websites linked from this site.
• User reviews on external platforms (e.g. Google) are the responsibility of their authors.

• Privacy policy
• Cookie policy
• Complaints
• AI use

Sky Financial Services reserves the right to bring civil or criminal actions it deems necessary for improper use of the Website or Content, or breach of these Terms.

The relationship between the User and Sky Financial Services is governed by Spanish law. Unless mandatory consumer rules provide otherwise, disputes are submitted to the courts of the operator’s domicile, without prejudice to forums available to consumers.