Terms & Conditions
English translation of the FX FOR A LIVING terms, the company behind ContentFlow365.
PRIVACY POLICY
1. Information for users
FX for a living S.L., hereinafter the DATA CONTROLLER, is the controller of users' personal data and informs you that such data will be processed in accordance with Regulation (EU) 2016/679 of 27 April 2016 (GDPR) on the protection of natural persons with regard to the processing of personal data and on the free movement of such data. The following information on processing is provided:
Purpose of processing
Maintaining an educational and/or commercial relationship with the User.
Processing operations
Sending educational and/or commercial promotional communications by email, fax, SMS, MMS, social communities or any other electronic or physical medium, present or future, that enables such communications. These communications will be sent by the DATA CONTROLLER and will relate to its products and services, or those of its collaborators or suppliers with whom it has entered into a promotional agreement.
Carrying out statistical studies.
Processing orders, requests or any type of query submitted by the user through any of the available contact channels.
Sending the website newsletter.
Data retention criteria
Data will be retained for as long as there is a mutual interest in maintaining the purpose of processing. Once no longer necessary for that purpose, data will be deleted using appropriate security measures to ensure pseudonymisation or complete destruction.
Data sharing
We will not share your personal data with third parties unless we are legally required to do so or have previously agreed to it.
In order to provide you with an adequate service and manage our relationship with you as a client, the categories of companies that process your data on behalf of FX for a living S.L. — as part of the services we have contracted from them — are tax and accounting advisory and management companies, and information technology services companies.
We also inform you that, for the same purpose stated above, certain companies providing services to FX for a living S.L. may access your personal data (international data transfers). Such transfers are made to countries with a level of protection equivalent to that of the European Union (European Commission adequacy decisions).
For more information, please contact us at: sales@fxforaliving.com.
User rights
Right to withdraw consent at any time.
Right to access, rectification, portability and erasure of your data, and to restriction of or objection to its processing.
Right to lodge a complaint with the supervisory authority (agpd.es) if you consider that the processing does not comply with applicable regulations.
Contact details to exercise your rights
Postal address: FX for a living S.L. Calle La Añaza, 29 1 Izq 35500 Arrecife (LAS PALMAS).
Email: sales@fxforaliving.com
2. Mandatory or optional nature of information provided by the User
By ticking the relevant boxes and entering data in fields marked with an asterisk (*) in the contact form or download forms, users expressly, freely and unambiguously accept that their data is necessary for the provider to handle their request, while the inclusion of data in the remaining fields is voluntary. The User warrants that the personal data provided to the DATA CONTROLLER is accurate and undertakes to notify any changes to that data.
The DATA CONTROLLER informs users that, whenever it intends to transfer personal data, it will first request the express, informed and unambiguous consent of the Users.
All data requested through the website is mandatory, as it is necessary for the provision of an optimal service to the User. If not all data is provided, we cannot guarantee that the information and services provided will be fully suited to your needs.
3. Security measures
In accordance with the provisions of current data protection regulations, the DATA CONTROLLER is complying with all GDPR requirements for the processing of personal data under its responsibility, and in particular with the principles set out in Article 5 of the GDPR, under which data is processed lawfully, fairly and transparently in relation to the data subject and is adequate, relevant and limited to what is necessary in relation to the purposes for which it is processed.
The DATA CONTROLLER warrants that it has implemented appropriate technical and organisational policies to apply the security measures required by the GDPR in order to protect users' rights and freedoms, and has provided users with the information necessary to exercise those rights.
Legal Notice — Information Society Services
FX for a living S.L., operator of the FX for a living S.L. website, hereinafter the DATA CONTROLLER, makes this document available to users in order to comply with the obligations set out in Law 34/2002 of 11 July on Information Society Services and Electronic Commerce (LSSICE), Official Gazette No. 166, and to inform all website users of the conditions of use.
Anyone who accesses this website assumes the role of user and undertakes to observe and strictly comply with the provisions set out herein, as well as any other applicable legal provision.
FX for a living S.L. reserves the right to modify any information that may appear on the website, without any obligation to give prior notice to users, it being sufficient to publish such changes on the FX for a living S.L. website.
1. Identification details
Domain name: https://www.fxforaliving.com
Trade name: FXforaliving
Legal name: FX for a living S.L.
Tax ID (NIF): B76044221
Registered address: C/La Añaza, 29 1º Dcha
Phone: 902 933 172
Email: sales@fxforaliving.com
Registered in the (Commercial / Public) Register:
2. Intellectual and industrial property rights
The website — including, without limitation, its programming, editing, compilation and other elements necessary for its operation, designs, logos, text and/or graphics — is owned by the DATA CONTROLLER or, where applicable, is used under express licence or authorisation from the authors. All website content is duly protected by intellectual and industrial property law and registered in the relevant public registries. Regardless of the intended purpose, any total or partial reproduction, use, exploitation, distribution or commercialisation requires the prior written authorisation of the DATA CONTROLLER. Any previously unauthorised use constitutes a serious breach of the author's intellectual or industrial property rights.
Designs, logos, text and/or graphics not owned by the DATA CONTROLLER that may appear on the website belong to their respective owners, who are solely responsible for any dispute that may arise in connection with them. The DATA CONTROLLER expressly authorises third parties to link directly to specific content on the website, and in any case to redirect to the main website at https://www.fxforaliving.com/web/.
The DATA CONTROLLER acknowledges the respective intellectual and industrial property rights of their holders. The mere mention or appearance of such rights on the website does not imply the existence of any rights or liability over them, nor any endorsement, sponsorship or recommendation by the DATA CONTROLLER.
To report any potential infringement of intellectual or industrial property rights, or any concerns about website content, please contact sales@fxforaliving.com.
3. Liability disclaimer
The DATA CONTROLLER disclaims any liability arising from information published on its website where that information has been manipulated or introduced by a third party unrelated to the DATA CONTROLLER.
Use of cookies
This website may use technical cookies (small information files sent by the server to the computer of the person accessing the page) to perform certain functions that are considered essential for the proper operation and display of the site. The cookies used are in all cases temporary, with the sole purpose of making navigation more efficient, and disappear when the user's session ends. In no case do these cookies themselves provide personal data, nor will they be used to collect it.
Cookies may also allow the server hosting the website to recognise the user's browser in order to simplify navigation — for example, by allowing previously registered users to access restricted areas, services, promotions or competitions without registering on each visit. Cookies may also be used to measure audience size, traffic parameters, track progress and number of entries, etc. In these cases, the cookies are technically non-essential but beneficial to the user. This website will not install non-essential cookies without the user's prior consent.
Users may configure their browser to receive alerts about cookies and to prevent them from being installed on their device. Please consult your browser's instructions for more information.
Link policy
This website may redirect to content on third-party websites. Since the DATA CONTROLLER cannot always control the content added by third parties on their respective websites, it accepts no liability for such content. In all cases, it will immediately remove any content that could contravene national or international law, public morality or public order, and will immediately remove the redirect to that website, notifying the competent authorities of the relevant content.
The DATA CONTROLLER accepts no responsibility for information and content stored on, without limitation, forums, chats, blog generators, comments, social networks or any other medium that allows third parties to publish content independently on the DATA CONTROLLER's website. However, in compliance with Articles 11 and 16 of the LSSICE, the DATA CONTROLLER makes itself available to all users, authorities and law enforcement agencies, actively cooperating in the removal or, where applicable, blocking of all content that may affect or contravene national or international law, the rights of third parties, or public morality and order. If a user considers that content on the website could fall within this classification, they are requested to notify the website administrator immediately.
This website has been reviewed and tested to function correctly. In principle, correct operation can be guaranteed 365 days a year, 24 hours a day. However, the DATA CONTROLLER does not rule out the possibility of certain programming errors, or the occurrence of force majeure events, natural disasters, strikes or similar circumstances that may make the website inaccessible.
IP addresses
The website's servers may automatically detect the IP address and domain name used by the user. An IP address is a number automatically assigned to a computer when it connects to the Internet. All this information is recorded in a duly registered server activity log that allows subsequent processing of the data solely to obtain statistical measurements — such as the number of page impressions, number of visits to web servers, order of visits, access point, etc.
4. Governing law and jurisdiction
These Terms and Conditions are governed by Spanish law.
Where the user qualifies as a consumer or user under Royal Legislative Decree 1/2007 of 16 November, disputes shall be heard by the court corresponding to the consumer’s domicile or, at the consumer’s choice, the place where the obligation is performed or the contract was concluded, in accordance with Article 90.2 of that consolidated text.
In all other cases (relationships between businesses or professionals), the parties expressly submit to the Courts and Tribunals of Arrecife (Las Palmas), waiving any other jurisdiction that might apply.
REFUND AND CANCELLATION POLICY
1. Consumer customers may exercise their right of withdrawal as provided in the “RIGHT OF WITHDRAWAL” section of these terms and conditions.
2. For monthly or annual subscriptions, customers may cancel renewal at any time in accordance with the “SUBSCRIPTIONS AND AUTOMATIC RENEWALS” section.
3. For bookings of in-person courses, if customers cannot attend their chosen session, their booking may be transferred to another in-person or online session within a reasonable period to be agreed with FX FOR A LIVING.
4. For products with an express “100% satisfaction” guarantee, customers may request a refund in accordance with the specific conditions stated on the sales page.
5. FX FOR A LIVING does not currently market products with a reduced-price “trial period”. If this option is offered for any product in the future, the specific conditions (including the cancellation period and procedure) will be expressly stated on the relevant product sales page and communicated to customers before the trial period ends, in accordance with consumer protection regulations.
6. Where applicable, refunds will be made using the same payment method used for the purchase, within a maximum of 14 calendar days from receipt of the communication.
SUBSCRIPTIONS AND AUTOMATIC RENEWALS
1. Certain products—including Money Club and Content Flow 365—are contracted as monthly or annual subscriptions. The price, subscription option and type of renewal are expressly stated on the sales page.
2. Unless cancelled beforehand, subscriptions will renew automatically at the end of each cycle for an identical new period at the prevailing price. By subscribing, customers expressly consent to automatic renewal and recurring charges.
3. Each renewal will be charged to the same payment method used for the initial purchase, which may be updated at any time from the customer area or by writing to soporte@fxforaliving.com.
4. Customers may cancel at any time, without penalty or justification, from their customer area or by writing to soporte@fxforaliving.com. Cancellation takes effect at the end of the current period.
5. Any price change will be communicated sufficiently in advance to allow customers to cancel before it applies.
6. FX FOR A LIVING will send customers a reminder before each automatic renewal to the email address provided when subscribing, with reasonable notice before the charge date. As a guide, reminders for annual subscriptions will be sent at least 7 calendar days beforehand, and for monthly subscriptions at least 1 calendar day beforehand, without prejudice to customers’ right to cancel at any time as provided above.
RIGHT OF WITHDRAWAL
1. Under Royal Legislative Decree 1/2007, consumer customers may exercise their right of withdrawal within fourteen (14) calendar days from entering into the contract, without justification or penalty.
2. To exercise withdrawal, customers must notify soporte@fxforaliving.com with a clear and unequivocal statement. They may use the model form at the end of this section (optional).
3. Upon receiving the communication, FX FOR A LIVING will refund the amount within a maximum of 14 calendar days using the same payment method.
4. EXCEPTIONS:
(a) Article 103.m) of Royal Legislative Decree 1/2007: withdrawal does NOT apply to digital content (videos, materials, platform, community) where performance has begun with customers’ express consent and acknowledgement that they consequently lose their right of withdrawal.
(b) Article 108.3 of Royal Legislative Decree 1/2007: if customers withdraw from services already begun at their request (live sessions, support, coaching), they must pay the proportional amount already provided.
(c) These consents are expressly obtained at checkout through a specific checkbox that is not preselected.
5. Model withdrawal form (optional):
“To FX FOR A LIVING S.L.N.E. (Tax ID B76044221), email soporte@fxforaliving.com:
I hereby notify you that I withdraw from my contract for the following service: [specify the product purchased].
Contract date: ________.
Customer name: ________.
Customer address: ________.
Date: ________.
Customer signature (only if this form is submitted on paper).”
BILLING
1. In accordance with applicable regulations, FX FOR A LIVING S.L.N.E. will issue an invoice for each transaction with its customers. The invoice will include the provider’s and customer’s identification details, the name and description of the service purchased, date, itemised amount and tax applied (IGIC where applicable, as the company is based in the Canary Islands).
2. The invoice will be sent electronically (PDF by email to the address provided when purchasing), with customers’ prior express consent given by accepting these Terms and Conditions during checkout.
3. Customers who prefer a physical (paper) invoice may request one at any time by writing to soporte@fxforaliving.com and specifying the postal delivery address.
4. Customers may access previous invoices from their customer area or request them from soporte@fxforaliving.com.