A great team

to solve all your problems

Strive to make
your business grow

We guarantee your peace of mind


than 10,000 professionals and 400 offices
around the world

We have experts

wherever you need them

I am happy

because I know I am in good hands

The satisfaction

when my hard work has paid off

40 years

helping companies
and offering solutions

The strength

of belonging to
a large international group

We combine

with a global strategic vision


as the best
specialist professional services firm

Legal Notice



ASESORIA FINANCIERA, S.A., with registered office at Nicaragua Street, number 48, 3rd floor, 08029 Barcelona, Spain, and holder of Tax Identification Code Nº A58034372, is registered in the Barcelona Companies Register under Volume 32763, Folio 136, Page Nº B-24224. Tel: +34 93 444 11 66. Fax: +34 93 495 07 81. E-Mail: info@afinanciera.com


I. General
1.1. As owner of the website www.afinanciera.com , (“the Website”) ASESORIA FINANCIERA, S.A. hereby informs you that use of the Website and any of its Contents are subject to these standard Terms and Conditions of Use.

1.2. Use of the Website is free of charge. Any person using it automatically acquires the status of User, and as such, fully accepts these Terms and Conditions. Any amendments to these Terms and Conditions and any other legal notices will be published on the Website and shall be deemed effective from the date of publication.

1.3. Certain Services or Contents available on the Website may be subject to “Special Conditions”. These will also be made available to the User and may complement or replace these Terms and Conditions according to use of the specific service to which they refer.


II. Contents
2.1. The Website offers articles, reports, information and other contents drawn up purely for information purposes by ASESORIA FINANCIERA, S.A. Users are informed that such Contents may not necessarily reflect the most recent legislation or case law, and ASESORIA FINANCIERA, S.A. reserves the unilateral right to amend, remove, develop and update the contents of the Website without prior notice and without assuming any liability.

2.2. The contents of the Website may not, under any circumstances, be considered as substitutes for legal advice or advice of any other nature. Access to the Contents is free of charge and does not imply the existence of any relationship between advisor and client or any other relationship of trust or of a professional nature between ASESORIA FINANCIERA, S.A. and the User of the Website. Users should not act on the information contained on the Website without previously seeking professional advice.

2.3. The links to other websites which appear on this Website are included because they are considered to be of interest to Users. ASESORIA FINANCIERA, S.A. has no control over these websites and therefore accepts no liability for their services, contents or condition.

2.4. Merely by way of example, and as provided by law, Users shall refrain from:
– Reproducing, copying, distributing, making available, publicly communicating, transforming or amending the Contents, except in those cases authorized by law or expressly permitted by ASESORIA FINANCIERA, S.A. or, where applicable, by the party owning the exploitation rights of the Contents.

– Reproducing or copying for private use any Contents which may be considered as Software or Databases, as provided under the law governing intellectual property. This likewise applies to publicly communicating the Contents or making them available to third parties when such action necessarily entails reproduction of the Contents by the User or by a third party.

– Extracting and/or re-using all or a substantial part of the Contents of the Website, including any databases which ASESORIA FINANCIERA, S.A. makes available to Users.


III. Limitations of liability
3.1. Any person using this Website does so for their own account and at their own risk. ASESORIA FINANCIERA, S.A. does not guarantee that the Website will perform without interruptions, delays, errors, omissions or free of viruses. Consequently, the Website and its contents are provided “as they are” with no guarantees, either explicit or implicit. Users of the Website accept that neither ASESORIA FINANCIERA, S.A. nor its partners, associates, employees or representatives will be liable for any error or omission in the Contents or Services, for any damage derived from using this Website, or for any action taken based on the information provided on the site.


IV. Intellectual and industrial property
4.1. The entire Contents of this Website, whether texts, images, sound, data files, trademarks, logos, combinations of colors or any other items, including the structure and design of the Website, the choice and manner of presenting its Contents, and any software required for its operation, access and use are protected by the intellectual and industrial property rights owned by ASESORIA FINANCIERA, S.A. or its licensors and as such must be respected by the User.

4.2. Storage and temporary reproduction of any of the contents of the Website are authorized on the condition that they are used solely for personal purposes, not for business. The reproduction, permanent storage and dissemination of the Contents of the Website or any other use intended for public or business purposes is strictly prohibited without the prior written consent of ASESORIA FINANCIERA, S.A.


V. Data protection policy
5.1. In accordance with Organic Law 15/1999 dated 13 December on Personal Data Protection and other applicable laws, ASESORIA FINANCIERA, S.A. hereby informs its clients, and any third parties supplying the firm with their personal information, about its data protection policy, which is available on the Website via the link “Data Protection”.


VI. Applicable Law
6.1. The standard Terms and Conditions of use of the Website and any relationships established between the User and ASESORIA FINANCIERA, S.A. are governed by Spanish law.


VII. Cookies Policy

7.1 What is a cookie?
A cookie is a file downloaded onto your computer/tablet/smartphone when accessing certain websites and applications. Among other features, cookies enable information on the browsing habits of users or their equipment to be stored and recovered and, depending on the information contained and how the equipment is used, they can be used to recognize users.

7.2 What types of cookies do this website use?
a) Depending on the entity managing them:
Own cookies: These are cookies sent to the users’ terminals from a device or domain managed by ASESORIA FINANCIERA from which the service requested by the users is provided.
Third-party cookies: These are cookies sent to the users’ terminals from a device or domain not managed by ASESORIA FINANCIERA, but by another company that processes the data obtained through the cookies. The section “Use of cookies” shows which entities establish cookies on this website.
b) Depending on how long they remain activated:
Session cookies: These are a type of cookies designed to collect and store data while users access our website.
Persistent cookies: These are a type of cookies in which the data continues to be stored on the terminal and can be accessed and processed during a defined period (ranging from a few minutes to several years) by the party responsible for the cookie.
c) According to the purpose for which they are processed:
Analysis cookies: These are cookies processed by us or third parties, which enable us to quantify the number of users and analyze their use of the service offered. For this, their browsing on our website or application is analyzed to improve our offer of products or services.
Technical cookies: These are cookies processed by us or third parties, which enable users to browse via our website and use the various options and services available, such as plug-ins to exchange social contents, user authentication or identification, and multimedia device sessions.
Personalization cookies: These are cookies processed by us or third parties, which enable users to access the service with certain general characteristics predefined depending on a series of criteria on their terminals, such as the pre-established language of the website.

7.3 Deactivation or removal of cookies
You can enable, block or remove the cookies installed on your device by configuring the options of the browser installed on your computer/tablet/smartphone.

For further information on Internet Explorer click here.

For further information on Google Chrome click here.

For further information on Firefox click here.

For further information on Safari click here.

For further information on Opera click here.

7.4 Use of cookies
On this website we also use third-party cookies to analyze browsing information, enable content-sharing on social networks and play videos hosted on other websites. The following links show the cookies policy of each of these companies:

Google Analytics:

  • Twitterhttps://twitter.com/privacy
  •  7.5 Consent

    By browsing on our website or accessing our application, you accept the use and installation of cookies.

    You can withdraw your consent at any time by removing the cookies installed on your device by configuring the browser options, as described in the section on “deactivation or removal of cookies.” However, this might affect the features of the website or application, making your user experience less satisfactory.