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Mister Habit

Legal Notice, Privacy Policy, and Cookies

I’d love to offer you some cookies, but I don’t have any. This website does NOT use cookies. I don’t care where you’re coming from, where you’re going, or where you live, and I don’t want to track you—even anonymously. I like to think I have better things to do. But anyway, I understand your curiosity about the legal notice. Here it is.

Information about this website, its ownership, and the rights and obligations between the owner and the website user.

Identification of the Owner

In compliance with the duty to provide information established in Article 10 of Law 34/2002, of July 11, on Information Society Services and Electronic Commerce, we inform you that the owner of this website is Joan M. Castell, ID No. 476 296 85C, residing in Valencia, Spain, and with the email address hola[at]misterhabit.com, hereinafter referred to as the “OWNER”.

Purpose of the Website

The purpose and services offered are as follows:

  • Development and dissemination of educational and opinion-based content on finance and business online.
  • Administering, managing, and overseeing the affiliate network and its payments.

Users

Accessing and/or using this website confers the status of USER, who, by accessing and/or using the site, accepts these terms of use. However, the mere use of the website does not imply the establishment of any employment or business relationship.

Use of the Website

The website misterhabit.com (hereinafter the “WEBSITE”) provides access to articles, information, services, and data (hereinafter “the content”) owned by the OWNER. The USER assumes responsibility for the use of the website.

The USER agrees to make appropriate use of the content provided through the website and not to use it for unlawful, illegal, or harmful purposes, or in any way that may cause damage or harm or interfere with the normal operation of the website

The OWNER shall not be liable for the opinions expressed by users through the blog or other participatory tools that may be created, in accordance with applicable regulations, and reserves the right to remove any comments or contributions that, in its judgment, are not suitable for publication.

Content

Los contenidos publicados en esta web son de carácter divulgativo y no constituyen ningún tipo de asesoramiento legal.

The OWNER is not a licensed financial advisor. All information published on this blog should be considered an opinion, not financial or investment advice. All investments involve inherent risk. Past performance is no guarantee of future results.

The OWNER is not a financial advisor. In the event that the WEBSITE contains links or hyperlinks to other websites, the OWNER exercises no control whatsoever over such sites or their content.

The OWNER assumes no responsibility for the content of any link belonging to a third-party website, nor does it guarantee the technical availability, quality, reliability, accuracy, comprehensiveness, truthfulness, validity, or legality of any material or information contained in any of said hyperlinks or other Internet sites. All information published on this blog should be considered an opinion, not financial or investment advice. Any type of investment carries an inherent risk. Past performance is no guarantee of future results.

This website contains links that are part of affiliate programs run by various companies. The OWNER receives a small commission if the USER completes a purchase through these links.

misterhabit.com is NOT a participant in the Amazon EU Affiliate Program, an affiliate advertising program designed to provide websites with a means of earning commissions by advertising and linking to Amazon.es

This website offers users affiliate links, advertisements, or other types of content that may be sponsored by:

The OWNER is not liable for any inaccuracies or errors that may appear in the advertisements, nor does it guarantee in any way the experience, integrity, or reliability of the advertisers or the quality of their products. The user acknowledges and agrees that the OWNER acts solely as a channel or advertising medium and bears no liability whatsoever for damages of any kind arising from any relationship the user enters into with advertisers, affiliates, or third parties contacted through this website.

Minors

The WEBSITE and its social media accounts are not intended for minors. The OWNER assumes no liability for any failure to comply with this requirement.

Intellectual and Industrial Property

Pursuant to the provisions of Articles 8 and 32.1, second paragraph, of the Intellectual Property Law, the reproduction, distribution, and public communication—including making available—of all or part of the content of this website for commercial purposes, in any medium and by any technical means, is expressly prohibited without the authorization of the OWNER.

The user agrees to respect intellectual and industrial property rights, acknowledges and accepts that all elements of the website—including text, images, photographs, content, graphics, and any other type of material, as well as its structure and presentation—are protected by trademarks, copyrights, and other legitimate rights registered in the name of their licensors or the OWNER, in accordance with the international treaties to which Spain is a party and other property rights and laws of Spain.

Cancellation Policy, Right of Withdrawal, and Returns

All products are digital, consisting of downloadable files and digital content that is not provided on a physical medium. Once payment has been made, the consumer accepts the contract and consents to the automatic activation and/or download of the product(s). Due to the nature of these digital products, exchanges and returns are not accepted. The purchase of any downloadable digital product grants the user lifetime access to it.

Disclaimer of Warranties and Liability

The OWNER shall not be liable, under any circumstances, for damages of any kind that may arise from, including but not limited to: errors or omissions in the content, unavailability of the website—which will undergo periodic downtime for technical maintenance—as well as the transmission of viruses or malicious or harmful programs in the content, despite having taken all necessary technological measures to prevent such occurrences.

The OWNER shall not be liable, under any circumstances, for damages of any kind that may arise from, including but not limited to: the information contained in the content of its WEBSITE regarding finance, investment, money, and any other topics covered on the WEBSITE.

The OWNER shall not be liable under any circumstances for damages of any kind resulting from decisions made by the user based on information provided on this WEBSITE.

The OWNER expressly states that it is not a financial professional authorized by the competent authorities, and all content on this WEBSITE should be considered merely as a personal opinion and under no circumstances as a financial or investment recommendation.

Changes

The OWNER reserves the right to make any changes it deems appropriate to its website without prior notice, and may change, remove, or add both the content and services provided through the website and the manner in which they are presented or located on the website.

Right of exclusion

The OWNER reserves the right to deny or revoke access to the website and/or the services offered without prior notice, at its own discretion or at the request of a third party, to any users who fail to comply with these General Terms of Use.

General Provisions

The OWNER will take legal action against any breach of these terms and conditions, as well as any improper use of its website, by pursuing all civil and criminal remedies available to it under the law.

Amendments to these Terms and Conditions and Term

The OWNER may modify these terms and conditions at any time, provided they are duly published as they appear here. The validity of these terms and conditions shall depend on their publication and shall remain in effect until they are replaced by others that are duly published.

Applicable Law and Jurisdiction

The relationship between the website administrator and the USER shall be governed by current Spanish law.

Conflict Resolution

The European Commission’s online dispute resolution platform is available to USERS at http://ec.europa.eu/consumers/odr/.

Privacy Policy

Privacy Policy

The WEBSITE does not use data analytics services such as Google Analytics, heat maps, or contact forms to collect visitor data. It also does not use first-party or session cookies.

The OWNER undertakes to process data with full guarantees and to comply with national and European requirements regarding the regulation of the collection and use of users’ personal information and data, as established in Organic Law 15/1999 of December 13 on the Protection of Personal Data (LOPD), and Royal Decree 1720/2007, of December 21, known as the Implementing Regulation of the LOPD, Regulation (EU) 2016/679 of the European Parliament and of the Council of April 27, 2016, on the protection of natural persons (GDPR), as well as Law 34/2002, of July 11, on Information Society Services and Electronic Commerce (LSSICE or LSSI).

As a service to visitors, the WEBSITE may include hyperlinks to other sites that are not operated or controlled by the OWNER. Therefore, the OWNER does not guarantee, nor is it responsible for, the legality, reliability, usefulness, accuracy, or timeliness of the content on such websites or their privacy practices. Please, before providing your personal information to these third-party websites, keep in mind that their privacy practices may differ from ours.

The sole purpose of the links is to provide the USER with the ability to access said links and learn about our work; however, the OWNER does not offer or market, either directly or through third parties, the information, content, and services available on the linked sites, nor does it approve, supervise, or control in any way the content, services, or any material of any nature contained therein. The OWNER shall not be liable under any circumstances for any consequences that may arise for the USER as a result of accessing such links.

Changes to the Privacy Policy

The OWNER reserves the right to modify the Privacy Policy at its sole discretion, in response to changes in legislation, case law, or guidelines issued by the Spanish Data Protection Agency.

Any changes to the Privacy Policy will be published at least ten days prior to their effective date. Continued use of the Website following such changes constitutes acceptance of those changes.

Third-party Services Offered on this Website

WEB uses certain services provided by third-party companies that are necessary for the operation of WEB and are subject to their respective privacy policies:

The User declares that they have been informed of the terms and conditions regarding the protection of personal data and hereby accepts and consents to the processing of such data by the OWNER in the manner and for the purposes indicated in the legal notice.

In accordance with the provisions of Law 34/2002 of June 11 on Information Society Services and Electronic Commerce, you may object to the use of your information for advertising purposes, market research, or the conduct of satisfaction surveys at any time, as well as revoke your consent at any time (without retroactive effect).

To do so, you must send an email to hola[at]misterhabit.com.

Regarding the management of your data associated with the OWNER’s social media profiles, the exercise of the right of access will depend on the functionality of each social network and the possibilities for accessing information from user profiles. With regard to the rights of access and rectification, we inform you that these can only be fulfilled in relation to information that is under the OWNER’s control.

Additionally, you may stop interacting with, following, or receiving information from social media profiles, delete content that no longer interests you, or restrict who you share your connections with, using the mechanisms provided by the various social media platforms.

Users can access the privacy policies of each social media platform and configure their profiles to ensure their privacy. Users are encouraged to familiarize themselves with the terms of use of the various social media platforms before beginning to use them.

Changes to this Privacy Policy

The OWNER reserves the right to modify this policy to bring it into line with new legislation or case law, as well as with industry practices. In such cases, the OWNER will post the changes on this page a reasonable amount of time before they take effect.

The LSSI-CE requires all website owners to notify users of the use of cookies, provide information about them, and request permission to use them.

In accordance with the Spanish Data Protection Agency’s cookie usage guidelines (https://www.aepd.es/media/guias/guia-cookies.pdf), the USER is hereby informed that cookies are NOT used. Services such as Google Analytics or heat maps are NOT present on the WEBSITE.

Under no circumstances does the WEBSITE use cookies that compromise the USER’s privacy.

Manage, Control, and Disable Cookies

If the USER does not want websites to install any cookies on their device, they can configure their browser to notify them before any cookies are downloaded. Similarly, they can adjust their browser settings to reject all cookies, or only third-party cookies. You can also delete any cookies already stored on your device. You must adjust the settings separately for each browser and device you use.

Most browsers offer ways to control cookie behavior. For more information on how to manage and delete cookies, visit https://www.aboutcookies.org/

On mobile devices, you can also adjust settings to limit tracking.

If you wish to have greater control over the installation of cookies, you can also install programs or add-ons in your browser (“Do Not Track” tools), which allow you to choose which cookies you wish to allow.

The LSSI-CE requires all website owners to notify users of the existence of cookies, provide information about them, and request permission to download them.

In accordance with the Spanish Data Protection Agency’s cookie policy guide (https://www.aepd.es/media/guias/guia-cookies.pdf), the USER is hereby informed that the WEBSITE does not collect visitor information at any point during their interaction with the site. Services such as Google Analytics or heatmaps are not present in the site’s code. No technical cookies, personalization cookies, analytics cookies, advertising cookies, or behavioral advertising cookies are used.

The service youtube-nocookie.com is used, which activates privacy-enhancing mode to prevent the installation of cookies in contextual videos embedded in posts. YouTube does not store information about users who visit the WEBSITE unless they play the video.

You can find more information about cookies online at https://www.aboutcookies.org/

If you wish to have greater control over the installation of cookies, you can install programs or add-ons in your browser (such as “Do Not Track” tools), which allow you to choose which cookies you wish to allow.

Contact

If you have any questions, comments, or requests regarding this website or our legal terms, please send an email to hi[at]misterhabit.com