INFORMATION COLLECTED

We may collect:

• Full name
• Address
• Telephone number
• E-mail address
• Passport or ID documentation
• NIE documentation
• Financial information
• Employment information
• Tax documentation
• Banking information
• Property documentation
• Technical browsing data

PURPOSE OF COLLECTION

Your data is processed for:

• Mortgage feasibility assessments
• Financial advisory services
• Mortgage application management
• Compliance with legal obligations
• Customer communication
• Service optimisation
• Fraud prevention

FINANCIAL INFORMATION

Due to the nature of mortgage brokerage services, Costas Finance may process sensitive financial information including:

• Payslips
• Tax returns
• Bank statements
• Credit reports
• Proof of funds
• Mortgage simulations

All information is treated confidentially and securely.

INTERNATIONAL CLIENTS

As Costas Finance assists international buyers purchasing property in Spain, personal data may occasionally be transferred internationally where necessary for the execution of requested services.

Appropriate safeguards will always be implemented.

MARKETING COMMUNICATIONS

Commercial communications will only be sent:

• With your consent
• When legally permitted
• Where a legitimate business relationship exists

You may unsubscribe at any time.

DATA CONTROLLER

In accordance with Regulation (EU) 2016/679 of the European Parliament and of the Council (GDPR), Organic Law 3/2018 on the Protection of Personal Data and Guarantee of Digital Rights (LOPDGDD), and applicable Spanish financial regulations, we inform you that the controller responsible for processing your personal data is:

Costas Finance (Ingrid Braem)

Calle Escorpio 35 pta 119

Urb. Al Andalus II – La Florida

03189 Orihuela Costa (Alicante) – Spain

VAT/NIF: ESY6017728E

Banco de España Registration: XXX

E-mail: info@costasfinance.com

Website: Costas Finance

PURPOSE OF DATA PROCESSING

We process your personal data and supporting documentation for the following purposes:

• Mortgage brokerage and intermediary services
• Financial feasibility analysis
• Mortgage pre-approval assessments
• Communication with banks and financial institutions
• Preparation and management of mortgage applications
• Property financing advisory services
• Compliance with anti-money laundering legislation (AML/KYC)
• Identity verification and fraud prevention
• Legal and regulatory compliance
• Communication regarding requested services
• Customer relationship management
• Website administration and technical support
• Statistical analysis and service optimisation
• Sending commercial communications where legally permitted

LEGAL BASIS FOR PROCESSING

The legal basis for processing your data may include:

• Explicit consent of the data subject
• Execution of pre-contractual measures
• Performance of contractual obligations
• Compliance with legal obligations
• Legitimate interests pursued by Costas Finance

DATA RECIPIENTS

Your data may be shared with:

• Banks and financial institutions
• Mortgage lenders
• Insurance companies
• Property valuation companies
• Lawyers and legal advisors
• Notaries
• Tax advisors
• Public authorities and regulators
• Banco de España where applicable
• AML/KYC verification providers
• Technical service providers

All third parties are contractually required to comply with GDPR and confidentiality obligations.

RETENTION PERIOD

Your personal data will be retained:

• For the duration necessary to provide services
• During legally required retention periods
• For the period required by Spanish financial regulations
• For the limitation periods applicable to contractual liabilities

AML/KYC documentation may be retained for up to 10 years in accordance with Spanish anti-money laundering legislation.

YOUR RIGHTS

You may exercise the following rights:

• Right of access
• Right to rectification
• Right to erasure
• Right to restriction of processing
• Right to object
• Right to data portability

Requests may be submitted to:

info@costasfinance.com

You also have the right to file a complaint with:

Agencia Española de Protección de Datos (AEPD)

SECURITY MEASURES

Costas Finance applies appropriate technical and organisational security measures to protect personal data against:

• Unauthorized access
• Disclosure
• Alteration
• Destruction
• Loss

Secure servers, SSL encryption and restricted access protocols are implemented where applicable.

WEBSITE OWNER

Pursuant to Law 34/2002 on Information Society Services and Electronic Commerce (LSSI-CE), the following information is provided:

Costas Finance (Ingrid Braem)

Calle Escorpio 35 pta 119

Urb. Al Andalus II – La Florida

03189 Orihuela Costa (Alicante) – Spain

VAT/NIF: ESY6017728E

Banco de España Registration: XXX

E-mail: contact@costasfinance.com

Website: Costas Finance

PURPOSE OF THE WEBSITE

This website provides information regarding:

• Mortgage brokerage
• Mortgage advisory services
• Property financing in Spain
• Related financial services

The information provided on this website is for informational purposes only.

Nothing on this website constitutes:

• Regulated investment advice
• Tax advice
• Legal advice
• Guaranteed mortgage approval

WEBSITE ACCESS

Access to this website is free of charge.

Users undertake to use the website lawfully and appropriately.

It is prohibited to:

• Use the website fraudulently
• Introduce malicious software
• Attempt unauthorized access
• Damage systems or infrastructure

INTELLECTUAL PROPERTY

All website content, branding, logos, text, images and design elements are the property of Costas Finance unless otherwise stated.

Any reproduction or distribution without prior written authorization is prohibited.

LIABILITY DISCLAIMER

Costas Finance shall not be liable for:

• Temporary interruptions of the website
• Technical errors beyond our control
• Decisions made by banks or lenders
• Mortgage rejections
• Changes in interest rates or banking policies
• Delays caused by third parties
• Inaccuracies in information provided by users
• Third-party websites linked from this website

Mortgage approval remains exclusively subject to the final assessment of the relevant financial institution.

JURISDICTION

This Legal Notice is governed by Spanish law.

Any disputes shall be submitted exclusively to the Courts of Alicante, Spain.

WHAT ARE COOKIES?

Cookies are small text files stored on your device to improve functionality, security and user experience.

TYPES OF COOKIES USED

This website may use:

• Essential cookies
• Functional cookies
• Analytics cookies
• Marketing cookies
• Security cookies
• Third-party cookies

THIRD-PARTY SERVICES

The website may use third-party integrations including:

• Google Analytics
• Google Maps
• Meta/Facebook Pixel
• WhatsApp integrations
• YouTube embeds
• Calendly
• CRM systems

These providers may collect data according to their own privacy policies.

COOKIE CONSENT

Upon visiting this website, users may:

• Accept all cookies
• Reject non-essential cookies
• Configure preferences

Consent may be withdrawn at any time.

MANAGING COOKIES

You can configure your browser settings to block or delete cookies.

Useful references:

• Google Chrome Cookie Settings
• Mozilla Firefox Cookie Settings
• Safari Cookie Settings

COMPANY INFORMATION

Costas Finance is a mortgage brokerage and financial advisory business operating in Spain.

SERVICES

Costas Finance assists clients with:

• Mortgage brokerage
• Mortgage advisory
• Mortgage pre-analysis
• Communication with banks
• Financing guidance for property purchases in Spain

Costas Finance is not a lender or financial institution.

NO GUARANTEE OF APPROVAL

Mortgage approval is always subject to:

• Bank approval
• Financial assessment
• Property valuation
• Legal verification
• Compliance procedures
• Risk analysis

Any simulations, examples or indicative calculations are non-binding and for informational purposes only.

Interest rates and banking conditions may change without notice.

FEES & COMMISSIONS

Any brokerage fees, commissions or service charges will always be communicated transparently prior to engagement.

Certain commissions may be received from financial institutions in accordance with applicable legislation.

CLIENT RESPONSIBILITIES

Clients agree to:

• Provide accurate information
• Submit authentic documentation
• Cooperate with compliance procedures
• Inform Costas Finance of relevant changes

Providing false information may result in immediate termination of services.

AML / KYC COMPLIANCE

In accordance with Spanish anti-money laundering legislation, clients may be required to provide:

• Identification documents
• Proof of address
• Source of funds
• Financial documentation

Costas Finance reserves the right to refuse services where legal compliance requirements are not met.

LIMITATION OF LIABILITY

Costas Finance shall not be liable for:

• Bank decisions
• Changes in lending conditions
• Delays caused by third parties
• Financial losses resulting from client decisions
• Incomplete or inaccurate information supplied by clients

EXTERNAL LINKS

External links are provided for informational purposes only.

Costas Finance is not responsible for third-party content or policies.

CONFIDENTIALITY

All information shared with Costas Finance will be treated confidentially and in accordance with GDPR and Spanish legislation.

GOVERNING LAW

These Terms & Conditions are governed by Spanish law.

Any disputes shall be submitted exclusively to the Courts of Alicante, Spain.

IMPORTANT INFORMATION

Costas Finance acts exclusively as a mortgage intermediary and financial advisor.

We do not:

• Grant loans
• Guarantee mortgage approval
• Provide investment advice
• Provide tax advice
• Provide legal advice

All mortgage approvals remain subject to:

• Bank underwriting
• Financial assessment
• Property valuation
• Legal due diligence
• Compliance procedures

Any mortgage simulation or indicative calculation shown on this website is purely illustrative and non-binding.

Interest rates, financing conditions and banking policies may change at any time.

Clients are encouraged to seek independent legal and tax advice before signing any financial agreement.