Terms of Service
Effective Date: July 19, 2023
Last Updated: Feb 19, 2026
Terms of Service
These Terms of Service govern your access to and use of the website operated by FLUENT FINANCE ABROAD SL and any related services. By accessing our Website, submitting a request, or engaging our services, you agree to be bound by these Terms and by our Privacy Policy available at:
https://fluentfinanceabroad.com/privacy-policy/
By submitting any inquiry, application, or request to FLUENT FINANCE ABROAD SL, you acknowledge that you have read, understood, and accepted both these Terms of Service and the Privacy Policy. The Privacy Policy forms an integral part of these Terms.
- Company Information
FLUENT FINANCE ABROAD SL
CIF: B93504918
Registered Office: Avenida Marqués del Duero, 76 3ºC, 29670 Marbella, Málaga, Spain
Sotogrande Office:
c/ Altamira 5, Edif. Ayala, Local 24
11311 Pueblo Nuevo de Guadiaro, Cádiz, Spain
Tel: +34 952 85 36 47
UK Tel: +44 (0) 2033939902
US Tel: 001 2023791946
Email: info@fluentfinanceabroad.com
- Services
FLUENT FINANCE ABROAD SL provides financial brokerage and advisory-related services, including mortgage and financing assistance for clients purchasing or refinancing property abroad.
All services are subject to availability and may require additional documentation, compliance checks, and formal agreements.
We reserve the right to modify, suspend, or discontinue any part of our services at any time without prior notice.
- No Financial Guarantee
We do not guarantee loan approval, financing approval, interest rates, lender decisions, or specific financial outcomes. All lending decisions are made solely by third-party financial institutions.
Information provided on our Website is for general informational purposes only and does not constitute financial, legal, or tax advice.
- Client Responsibilities
By using our services, you agree that:
All information you provide is accurate, complete, and truthful.
You will not provide fraudulent documentation or misleading financial information.
You understand that lenders may independently verify your submitted information.
You are responsible for ensuring compliance with applicable tax and financial laws in your jurisdiction.
If inaccurate or misleading information is provided, we reserve the right to terminate services immediately.
- Communications and Messaging Compliance
If you provide your telephone number, you consent to receive communications related to your inquiry or services via phone call, SMS, or messaging platforms where legally permitted.
Where applicable, messaging to certain jurisdictions may be subject to telecommunications regulations and third-party registration requirements. Messaging delivery and throughput are subject to carrier and network rules. We do not guarantee delivery speed or message availability.
You may opt out of SMS communications at any time by following the instructions included in the message.
- Fees and Payments
Any service fees will be communicated before engagement. Certain services may be commission-based and paid by third-party lenders. Additional administrative or advisory fees, if applicable, will be agreed in writing.
We are not responsible for fees charged by third-party banks, lenders, notaries, government authorities, or currency exchange providers.
- Intellectual Property
All Website content, including text, branding, graphics, logos, and materials, is the property of FLUENT FINANCE ABROAD SL or licensed to us. You may not copy, reproduce, distribute, modify, or exploit any content without prior written consent.
- Third-Party Services
Our services involve third-party lenders, banks, credit institutions, and service providers. We are not responsible for:
Decisions made by third-party institutions
Changes in lender criteria
Delays caused by financial institutions
System outages of external platforms
Regulatory changes affecting lending
Your relationship with any lender is separate from your relationship with us.
- Limitation of Liability
To the fullest extent permitted by law, FLUENT FINANCE ABROAD SL shall not be liable for:
Indirect or consequential damages
Loss of profits or financial opportunity
Delays caused by third-party institutions
Regulatory or legal changes
Technical failures beyond our control
Our total liability, if any, shall not exceed the fees paid directly to us for the specific service giving rise to the claim.
- Data Protection
All personal data is processed in accordance with our Privacy Policy available at:
https://fluentfinanceabroad.com/privacy-policy/
By submitting your information, you expressly acknowledge and accept that your data will be processed as described in that policy.
- Compliance and Regulatory Requirements
You acknowledge that financial services are subject to local and international regulatory requirements. You agree to provide any documentation required for identity verification, anti-money laundering compliance, or regulatory checks.
We reserve the right to refuse service if compliance requirements cannot be satisfied.
- Termination
We may terminate or suspend services at any time if:
You breach these Terms
You provide false or misleading information
Legal or regulatory concerns arise
Required documentation is not provided
Termination does not relieve you of payment obligations already incurred.
- Governing Law
These Terms shall be governed by and interpreted in accordance with the laws of Spain. Any disputes shall be subject to the jurisdiction of the courts of Málaga, Spain, unless otherwise required by mandatory consumer protection laws.
- Changes to Terms
We reserve the right to update these Terms at any time. Changes become effective immediately upon publication on the Website. Continued use of the Website or submission of any request constitutes acceptance of the updated Terms.
- Contact
FLUENT FINANCE ABROAD SL
Avenida Marqués del Duero 76, 3º C
29670 Marbella, Málaga, Spain
Sotogrande Office
c/ Altamira 5, Edif. Ayala, Local 24
11311 Pueblo Nuevo de Guadiaro, Cádiz, Spain
Tel: +34 952 85 36 47
UK Tel: +44 (0) 2033939902
US Tel: 001 2023791946
Email: info@fluentfinanceabroad.com
