Legal Notice & Terms of Use
Last updated: August 2026
1. Website Owner
Financessentials (https://financessentials.com) is an independent publication operated by a two-person editorial team, Nicolás del Barrio and Marcos Álvarez-Sala, based in Madrid, Spain. For any legal or general inquiry, please use our Contact page.
2. Purpose of the Website
Financessentials provides general educational and informational content about personal loans and personal finance in the United States. The information published on this site does not constitute financial, legal, or investment advice and is not personalized to your circumstances. Always consult a qualified, licensed financial advisor before making financial decisions. See our Editorial Methodology for how our content is researched, sourced, and verified.
3. Intellectual Property
All original content on this website — including text, graphics, and data visualizations — is the property of Financessentials and is protected under applicable Spanish, European Union, and international copyright law. Reproduction, distribution, or modification of any content without prior written permission is prohibited, except for brief quotations used with clear attribution and a link back to the source.
4. Disclaimer of Liability
Financessentials makes every reasonable effort to ensure the accuracy and timeliness of the information it publishes; as explained in our Editorial Methodology, lender-specific figures are read directly from each lender’s own disclosure and dated accordingly. We do not, however, guarantee completeness or continuous accuracy, and we accept no liability for errors, omissions, or outcomes resulting from the use of this information. Loan rates, terms, and lender policies are subject to change without notice; always confirm current terms directly with the lender before applying.
5. Third-Party Links
This website may contain links to third-party websites, including lenders’ own sites and official sources such as the CFPB or the Federal Reserve. These links are provided for the reader’s convenience and reference. Financessentials does not control, endorse, or take responsibility for the content, privacy practices, or terms of any third-party site.
6. Advertising Disclosure
Financessentials displays third-party advertisements through Google AdSense and similar advertising networks. These ads are served by Google, are clearly identified as advertising, and their presence does not represent an endorsement of any advertised product or service. We are not responsible for the content of external advertisements. As explained on our About Us page, Financessentials accepts no commission, affiliate revenue, or payment of any kind from any lender covered on this site, and no lender can pay for inclusion or a higher ranking.
7. Governing Law
Financessentials is operated from Spain, and these Terms of Use are governed by Spanish law and, where applicable, European Union law. Any dispute that cannot be resolved directly will be subject to the courts of Madrid, Spain, without prejudice to any mandatory consumer-protection rights you may have under the law of your own country of residence. This section is a general notice, not a substitute for legal advice.
8. Changes to These Terms
We may update these terms from time to time to reflect changes to the site or to applicable law. Changes take effect once posted on this page. Continued use of the website after an update constitutes acceptance of the revised terms.