Terms of Use

By accessing ContenidoYa you agree to these terms. If you do not accept them, please stop using the site. These terms apply to every visitor, whether or not you contact us.

You may read, print and share our articles for personal, non-commercial use. You agree not to interfere with the site's operation, attempt unauthorised access, scrape content at a scale that degrades service, or use the site for any unlawful purpose.

All text, illustrations, layout and branding on ContenidoYa are owned by us or licensed to us and are protected by copyright and related rights. Republishing a full article without written permission is not allowed.

Short quotations are welcome provided they are clearly attributed and accompanied by a link to the original page.

ContenidoYa publishes general educational information only. Nothing on this site constitutes personalised financial, investment, tax or legal advice, an offer to sell a product, or a recommendation to buy one.

Financial products carry risk, including the loss of capital. Before acting, consider your own circumstances and consult an accredited professional in your jurisdiction.

ContenidoYa is a free publication funded by advertising. We display ads served by Google AdSense and other third-party advertising networks, and these ad slots are clearly labelled as advertising and kept visually separate from editorial content.

We do not control which specific adverts a network serves to you, and displaying an advert is not an endorsement of the advertiser, its products or its claims. Any transaction you enter into with an advertiser is strictly between you and that advertiser.

Where an article contains an affiliate link or sponsored placement, it is disclosed on the page. Sponsorship never determines our editorial conclusions.

You agree not to interfere with the delivery or measurement of adverts, for example by generating artificial clicks or impressions, which may breach the ad network's own terms as well as these terms.

Our guides link to external sources to let you verify the underlying facts. We do not control those sites and are not responsible for their content, accuracy, availability or privacy practices.

We work hard to keep the site accurate and available, but we provide it as is without warranties of any kind. To the maximum extent permitted by law, we are not liable for indirect or consequential losses arising from your use of the site or reliance on its content.

We may revise these terms from time to time. The version published on this page is the one that applies, and the date above indicates when it last changed. Continued use of the site after a change constitutes acceptance.

These terms are governed by the laws applicable at the publisher's place of establishment, without regard to conflict-of-law principles. Mandatory consumer protections available to you where you live are unaffected.