Legal & Policies

8.1 Data controller

The controller of your data processing is LUX ELITE FINANCE, with Y3987826P tax number and e-mail addresses for contact: CONTACT@LUXELITEFINANCE.COM

8.2 Purpose

We process your personal data and any documentation you provide to us for the following purposes:

1. Compliance with legal obligations.
2. Providing brokerage and advisory services in securing loans and/or mortgage loans.
3. Complying with the rights and obligations contained in the contract signed between you and LUX ELITE FINANCE.
4. Compliance with the rights and obligations contained in the future contracts signed between you, LUX ELITE FINANCE to provide ​ ​financial planning services or other services requested by you.
5. Processing transaction data for accounting and administrative management purposes and to fulfil our legal obligations regarding accounting and taxation.
6. Contacting you to inform you about LUX ELITE FINANCE products or services that may be of interest to you.
7. Processing of your data for money laundering prevention due diligence, based on compliance with our legal obligations in the field of money laundering prevention and combating the financing of terrorism.
8. The processing and handling of your data takes place on the basis of:

• • Compliance with legal obligations
  • The performance of the signed agreement(s)
  • The legitimate interest of the controller
  • The explicit consent of the data subject

8.3 Recipients

Personal data will only be transferred to third parties on the basis of a legal obligation, when necessary for the provision of the requested services, or with your prior consent.

In particular, we will carry out the following data transfers based on the execution of EL INTERMEDIARIO and advisory agreement for the provision of loans and/or mortgages:

• Valuations and/or internal conclusions to determine creditworthiness, as well as documentation prepared for the analysis of the mortgage brokerage and advisory service will be sent to banks and financial institutions. This enables the banks and institutions to make tailored offers and, where necessary, formalize the mortgage loan contract.
• Valuation companies or the valuation services of a credit institution when you provide property as collateral that needs to be valued.
• Your data will be passed on to the Bank of Spain, notaries or other public bodies to comply with regulations applicable to mortgage brokers.
• Moreover, your data will be shared with insurance companies, especially those offering life insurance, so that they can provide you with tailor-made offers and, if necessary, prepare the corresponding insurance policy.

Under certain circumstances, LUX ELITE FINANCE may share, use, store or disclose personal information with third parties:

• To service providers who perform functions on our behalf, such as web hosting, statistical monitoring or web development. These service providers may collect and access the necessary information to perform their functions, but are not permitted to share or use the information for other purposes.
• To the relevant authorities if we believe it is reasonably necessary to comply with a law, legal process or legitimate interest. In any case, we will provide only the strictly necessary information.

8.4 Retention of your data

We generally keep your data for the duration of the relationship you have with us and in any case for the periods specified in legal provisions, such as:

• 6 years from the end of the effects of the mediation and advice agreement for the provision of loans and/or mortgages provided for in Law 5/2019 of 15 March of mortgage agreements.
• 10 years provided for in Article 25.1 of Law 10/2010 of 28 April on the prevention of money laundering and the financing of terrorism.
• For the time necessary to deal with possible responsibilities arising from the processing.

Your data will be deleted when it is no longer necessary or relevant for the purposes for which it was collected.

Data processed for commercial purposes will be retained unless you request its deletion.

8.5 Rights

The personal data you provide to us will be included and processed in the files owned by the Service in order to process your requests.

You may exercise the right to access, rectification, deletion, restriction of treatment, opposition and portability of your personal data at any time by sending an e-mail to: contact@luxelitefinance.com or to the postal address:

LUX ELITE FINANCE - Luisa Fernanda 7 pta 34 - 03189 Orihuela Costa (Villamartin) ALICANTE - SPAIN

In both cases, you must identify yourself with your first and last name, and with a copy of your Spanish ID or your national ID, if required.

This Legal Notice regulates the use of the Internet portal service with an address HTTPS://WWW.LUXELITEFINANCE.COM/, whose controller for identification purposes is:

•         Responsible: INGRID BRAEM (LUXELITEFINANCE)

•         NIF: Y6017728-E

•         Address: LUISA FERNANDA 7 pta 34 – 03189 ORIHUELA COSTA – ALICANTE (SPAIN)

•         Phone: +34 666 995 439

•         Mail: CONTACT@LUXELITEFINANCE.COM

Legislation

In general, the relations between LUXELITEFINANCE and the Users of its telematic services, present on the website, are subject to Spanish legislation and jurisdiction.

The parties expressly waive any jurisdiction that may correspond to them and expressly submit to the Courts and Tribunals of Alicante (Valencia) to resolve any controversy that may arise in the interpretation or execution of these contractual conditions.

Content and Use

The User is informed, and accepts, that access to this website does not imply, in any way, the beginning of a commercial relationship with  LUXELITEFINANCE.

The owner of the website does not identify with the opinions expressed on it by its collaborators. The Company reserves the right to make any modifications it deems appropriate to its Website without prior notice, and may change, delete or add both the content and services provided through it and the way in which they are presented or located on its servers.

Intellectual and industrial property

The intellectual property rights of the content of the web pages, their graphic design and codes are owned by LUXELITEFINANCE and, therefore, their reproduction, distribution, public communication, transformation or any other activity that may be carried out with the contents of its web pages is prohibited, even if the sources are cited, except with the written consent of LUXELITEFINANCE. All trade names,  Trademarks or signs of any kind contained in the Company's websites are the property of their owners and are protected by law.

Links to other websites

The presence of links on the websites of LUXELITEFINANCE is for information purposes only and in no case does it imply a suggestion, invitation or recommendation about them.

Although this Website may be linked to other websites, we are not, directly or indirectly, implying any approval, association, sponsorship, endorsement, or affiliation with any linked website, unless specifically stated herein.

You should carefully review the legal statements and other conditions of use of any website which you access through a link from this Website. Your linking to any other off-site pages or other websites is at your own risk.

This Privacy Policy regulates the use of the Internet portal service with an HTTPS://WWW.LUXELITEFINANCE.COM/ address, whose controller for identification purposes is:

•         Responsible: INGRID BRAEM (LUXELITEFINANCE)

•         NIF: Y6017728-E

•         Address: LUISA FERNANDA 7 pta 34 – 03189 ORIHUELA COSTA (VILLAMARTIN) - ALICANTE (SPAIN)

•         Phone: +34 666 995 439

•         Mail: CONTACT@LUXELITEFINANCE.COM

Purpose, What do we process your data for?

For the purposes of the GDPR of 27 April 2016, and LO 3/2018, we will process the data we collect for the following purposes:

•         Contact you if you ask us to do so.

•         Manage your browsing on the website, if applicable.

•         To send you commercial communications about our products and services.

To this end, the user will have a registration form whose completion will entitle the interested party to access and enjoy certain services offered on the website.

However, the user is informed that in any contact form they will be informed of the use that will be made of the data obtained and, if they are used for a different purpose, said consent will be obtained previously and expressly.

If the consent of the data subject is given in the context of a written statement that also relates to other matters, the request for consent shall be submitted in such a way that it is clearly distinguishable from the other matters, in an intelligible and easily accessible manner and using clear and simple language, in accordance with Article 7.2 of the GDPR of 27 April 2016.

Legitimation, what is the legitimacy for the processing of your data?

The legal basis for the processing of your data will be based on:

•         The consent of the data subject, for the processing of their data, in accordance with Article 6. 1. a) of the European General Data Protection Regulation.

•         The necessary performance of a contract to which the interested party is a party or for the application at the request of the interested party of pre-contractual measures, in accordance with Article 6. 1. b) of the European General Data Protection Regulation.

Recipients To whom do we communicate your data?

Personal data will not be transferred except in compliance with legally established obligations or to support the services linked to this processing.

How long do we keep your data?

We will keep your personal data for at least 5 years in case you are a customer and for strict compliance with the legal obligations established in the regulations.

If you are not a customer, we will keep your data for the minimum time necessary to manage our relationship.

Rights, What are your rights when you provide us with your data?

Any person has the right to obtain confirmation as to whether personal data concerning them is being processed.

Data subjects have the right to be able to access their personal data, as well as to request the rectification of inaccurate data or, where appropriate, to request its deletion when, among other reasons, the data is no longer necessary for the purposes for which they were collected.

In certain circumstances, interested parties may request the limitation of the processing of their data, in which case we will only keep them for the exercise or defense of claims.

In certain circumstances and for reasons related to their particular situation, data subjects may object to the processing of their data. In such a case, the data will no longer be processed, except for legitimate reasons or the exercise or defense of possible claims.

Interested persons may request data portability to obtain the data they have provided in a structured, commonly used and machine-readable format, to be downloaded by themselves or transmitted to another entity.

•         The interested party may exercise their rights by sending an email to the email address CONTACT@LUXELITEFINANCE.COM, or where appropriate to the physical address LUISA FERNANDA 7 pta 34 – 03189 ORIHUELA COSTA (VILLAMARTIN) - ALICANTE (SPAIN)

Consent minors, what if you are a minor?

In the event that some of our services are specifically aimed at minors under fourteen years of age, we will request the consent of parents or guardians for the collection of personal data or, where appropriate, for the automated processing of the data in accordance with article 7 of the LOPDGDD.

Accuracy, veracity and security of data, how do we process your data?

The User is solely responsible for the veracity and correctness of the data included, exonerating us from any liability in this regard. Users guarantee and are responsible, in any case, for the accuracy, validity and authenticity of the personal data provided, and undertake to keep them duly updated. The user agrees to provide complete and correct information on the registration or subscription forms. We will not be responsible for the veracity of information that is not of our own elaboration and for which another source is indicated, so it does not assume any responsibility for hypothetical damages that may arise from the use of said information.

We will also reserve the right to update, modify or delete the information contained on the website, and may even limit or not allow access to said information. We will not be liable for any damage or harm that the User may suffer as a result of errors, defects or omissions, in the information provided by the responsible party as long as it comes from external sources.

The data will be treated confidentially and subject to appropriate technical and organizational security measures to prevent its alteration, loss, processing or unauthorized access.

You may file a complaint with the Spanish Data Protection Agency, especially when you have not obtained satisfaction in the exercise of your rights, at the postal and/or electronic address indicated on page www.aepd.es.

LuxEliteFinance LLC

This page is used to inform website visitors regarding our policies with the collection, use, and disclosure of Personal Information if anyone decided to use our Service, the LuxEliteFInance website.

If you choose to use our Service, then you agree to the collection and use of information in relation with this policy. The Personal Information that we collect are used for providing and improving the Service. We will not use or share your information with anyone except as described in this Privacy Policy.

The terms used in this Privacy Policy have the same meanings as in our Terms and Conditions, which is accessible at HTTPS://WWW.LUXELITEFINANCE.COM, unless otherwise defined in this Privacy Policy.

Information Collection and Use

For a better experience while using our Service, we may require you to provide us with certain personally identifiable information, including but not limited to your name, phone number, and postal address. The information that we collect will be used to contact or identify you.

Log Data

We want to inform you that whenever you visit our Service, we collect information that your browser sends to us that is called Log Data. This Log Data may include information such as your computer’s Internet Protocol («IP») address, browser version, pages of our Service that you visit, the time and date of your visit, the time spent on those pages, and other statistics.

Cookies

Cookies are files with small amount of data that is commonly used an anonymous unique identifier. These are sent to your browser from the website that you visit and are stored on your computer’s hard drive.

Our website uses these «cookies» to collection information and to improve our Service. You have the option to either accept or refuse these cookies, and know when a cookie is being sent to your computer. If you choose to refuse our cookies, you may not be able to use some portions of our Service.

Service Providers

We may employ third-party companies and individuals due to the following reasons:

To facilitate our Service;

To provide the Service on our behalf;

To perform Service-related services; or

To assist us in analyzing how our Service is used.

We want to inform our Service users that these third parties have access to your Personal Information. The reason is to perform the tasks assigned to them on our behalf. However, they are obligated not to disclose or use the information for any other purpose.

Security

We value your trust in providing us your Personal Information, thus we are striving to use commercially acceptable means of protecting it. But remember that no method of transmission over the internet, or method of electronic storage is 100% secure and reliable, and we cannot guarantee its absolute security.

Links to Other Sites

Our Service may contain links to other sites. If you click on a third-party link, you will be directed to that site. Note that these external sites are not operated by us. Therefore, we strongly advise you to review the Privacy Policy of these websites. We have no control over, and assume no responsibility for the content, privacy policies, or practices of any third-party sites or services.

Children’s Privacy

Our Services do not address anyone under the age of 13. We do not knowingly collect personal identifiable information from children under 13. In the case we discover that a child under 13 has provided us with personal information, we immediately delete this from our servers. If you are a parent or guardian and you are aware that your child has provided us with personal information, please contact us so that we will be able to do necessary actions.

Changes to This Privacy Policy

We may update our Privacy Policy from time to time. Thus, we advise you to review this page periodically for any changes. We will notify you of any changes by posting the new Privacy Policy on this page. These changes are effective immediately, after they are posted on this page.

Our Privacy Policy was created with the help of the Privacy Policy Template.

Contact Us

If you have any questions or suggestions about our Privacy Policy, do not hesitate to contact us.

This website uses third-party and first-party cookies to ensure that you have a better browsing experience, to share content on social networks and so that we can obtain user statistics.

You can prevent the downloading of cookies through your browser settings, preventing cookies from being stored on your device.

As the owner of this website, I inform you that we do not use any personal information from cookies, we only make general statistics of visits that do not involve any personal information.

It is very important that you read this cookie policy and understand that only cookies necessary for browsing will be stored on your device. The rest of the cookies will be installed as long as you expressly consent to it.

According to the terms included in article 22.2 of Law 34/2002 on Information Society Services and Electronic Commerce, if you continue browsing, you will be giving your consent for the use of the aforementioned mechanisms.

Responsible Entity

The entity responsible for the collection, processing and use of your personal data, within the meaning established by the Personal Data Protection Act, is page HTTPS://WWW.LUXELITEFINANCE.COM/, owned by LUXELITEFINANCE, and address at Louisa Fernanda 7, pta 34 - 03189 Orihuela Costa (Villamartin) - ALICANTE (SPAIN)

What are cookies?

Cookies are a set of data that a server deposits in the user's browser to collect standard Internet log information and visitor behavior information on a website. In other words, these are small text files that are stored on the computer's hard drive and that serve to identify the user when they connect to the website again. Its purpose is to record the user's visit and save certain information. Its use is common and frequent on the web as it allows pages to work more efficiently and achieve greater personalization and analysis of user behavior.

What types of cookies are there?

The cookies used on our website are session and third-party, and allow us to store and access information relating to the language, the type of browser used, and other general characteristics predefined by the user, as well as to monitor and analyse the activity carried out, in order to introduce improvements and provide our services in a more efficient and personalised way.

Cookies, depending on their permanence, can be divided into session or permanent cookies. Those that expire when the user closes the browser. Those that expire depending on when the purpose for which they serve is fulfilled (for example, so that the user remains identified in the services of LUXELITEFINANCE) or when they are manually deleted.

In addition, depending on their purpose, cookies can be classified as follows:

Name	Guy	Caducity	Purpose	Class
__utma	From Third Parties (Google Analytics)	2 years	Used to distinguish users and sessions.	Non-Exempt
__utmb	From Third Parties (Google Analytics)	30 min	Used to determine new sessions or visits.	Non-Exempt
__utmc	From Third Parties (Google Analytics)	At the end of the session	Configured for use with Urchin.	Non-Exempt
__utmz	From Third Parties (Google Analytics)	6 months	Stores the origin or campaign that explains how the user arrived at the web page.	Non-Exempt

Performance cookies

This type of Cookie remembers your preferences for the tools found on the Services, so you do not have to reconfigure the Service each time you visit. By way of example, this typology includes: Volume adjustments of video or sound players. Video streaming speeds that are supported by your browser. Items stored in the "shopping cart" in e-commerce services such as stores.

Geo-location cookies

These cookies are used to find out which country you are in when you request a service. This cookie is completely anonymous, and is only used to help target content to your location.

Log cookies

Registration cookies are generated once the user has registered or subsequently logged in, and are used to identify you on the services for the following purposes:

•         To keep the user identified so that, if they close a service, browser or computer and at another time or another day they re-enter said service, they will continue to be identified, thus facilitating their navigation without having to identify themselves again. This functionality can be deleted if the user clicks on the [log out] functionality, so that this cookie is deleted and the next time the user enters the service they will have to log in to be identified.

•         Check whether the user is authorized to access certain services, for example, to participate in a contest.

Additionally, some services may use connectors with social networks such as Facebook or Twitter. When the user registers for a service with credentials from a social network, he/she authorizes the social network to save a persistent Cookie that remembers his/her identity and guarantees access to the services until it expires. The user can delete this Cookie and revoke access to the services through social networks by updating their preferences in the social network they specify.

Analytical cookies

Every time a user visits a service, a tool from a third-party provider generates an analytical cookie on the user's computer. This cookie, which is only generated during the visit, will be used on future visits to the services of LUXELITEFINANCE, to anonymously identify the visitor. The main objectives pursued are:

•         To allow the anonymous identification of browsing users through the cookie (it identifies browsers and devices, not people) and therefore the approximate counting of the number of visitors and their trend over time.

•         Anonymously identify the most visited content and, therefore, the most attractive for users, to know if the user who is accessing it is new or repeat visit.

Important: Unless the user decides to register for a LUXELITEFINANCE service, the cookie will never be associated with any personal data that can identify him/her. These cookies will only be used for statistical purposes that help to optimize the user experience on the site.

Advertising cookies

This type of cookie allows us to expand the information of the advertisements shown to each anonymous user in the services of LUXELITEFINANCE. Among others, the duration or frequency of display of advertising positions, the interaction with them, or the browsing patterns and/or behaviors of the user are stored, as they help to form a profile of advertising interest. In this way, they make it possible to offer advertising related to the user's interests.

Third-party advertising cookies

In addition to the advertising managed by the LUXELITEFINANCE websites on their services, the LUXELITEFINANCE websites offer their advertisers the option of serving advertisements through third parties ("Ad-Servers"). In this way, these third parties can store cookies sent from the services of LUXELITEFINANCE from the users' browsers, as well as access the data stored therein.

How can I disable cookies in my browser?

You can configure the different browsers to warn the user of the receipt of cookies and, if desired, prevent their installation on the computer. Likewise, the user can check in their browser which cookies are installed and what their expiry date is, being able to delete them.

For more information, please refer to the instructions and manuals of your browser:

•         For more information on managing cookies in Google Chrome: here

•         For more information on managing cookies on Internet Explore: here

•         For more information on managing cookies in Mozilla Firefox: here

•         For more information on managing cookies in Safari: here

•         For more information on managing cookies in Opera: ​here

•         If you want to stop being tracked by Google Analytics visit: ​here

These Terms and Conditions apply to all services offered by LUXELITEFINANCE through its website. By using our website and services, you agree to the following terms:

1. Company Information

Lux Elite Finance is the trading name of Home Finance Spain SLU, registered in Spain. Our head office is located at the following address:

• Address: Luisa Fernanda 7 pta 34 - 03189 Orihuela Costa (Villamartin) - Alicante, Spain
• Email: contact@luxelitefinance.com
• Phone: (0034) 666 995 439

2. Services

Lux Elite Finance provides financial advisory services for real estate transactions in Spain. We assist you in obtaining a mortgage for the purchase of property in Spain. All services are provided in accordance with applicable Spanish laws and regulations.

3. Website Usage Terms

Use of our website is subject to the following rules:

• You must use the information on the website solely for legitimate purposes related to real estate financing.
• It is prohibited to use our website for fraudulent, illegal, or harmful activities, or to disrupt systems or networks.
• All content on the website, including texts, images, and logos, is the property of Lux Elite Finance or its licensors and may not be used, copied, or reproduced without permission.

4. Personal Data and Privacy

When using our services, we may collect, process, and store personal data in accordance with our Privacy Policy and the General Data Protection Regulation (GDPR) (EU 2016/679). For more information on how we handle your data, please refer to our Cookies Policy & Data Protection.

5. Liability

Lux Elite Finance is not liable for direct or indirect damages arising from:

• Inaccuracies or incomplete information on the website.
• Loss of data or financial loss incurred while using our services, unless caused by gross negligence or intentional misconduct by Lux Elite Finance.
• External links to third-party websites displayed on our site. We are not responsible for the content or privacy compliance of these external websites.

6. Contractual Agreements

When entering into a contract for financial advisory services, a separate agreement will be signed that specifies the specific terms, fees, and responsibilities of both parties.

7. Cancellation and Termination of Services

You have the right to cancel or terminate a contract for our services according to the provisions stated in the agreement. This must be done in writing and may be subject to cancellation fees depending on the stage of service delivery.

8. Governing Law and Jurisdiction

These Terms and Conditions are governed by and interpreted in accordance with the laws of Spain. Any disputes will be exclusively submitted to the competent courts of Alicante, Spain.

9. Changes to the Terms

Lux Elite Finance reserves the right to modify these Terms and Conditions at any time. We recommend that you check this page regularly for updates. By continuing to use our website, you agree to any changes made to the terms.

10. Contact

If you have any questions regarding these Terms and Conditions or other legal matters, please contact us at:

Email: contact@luxelitefinance.com

Phone: +34 666 995 439