Terms and conditions

1. Scope and acceptance

By using the website, the user accepts the provisions that concern website use. Submitting the review form requests an initial assessment and contact; it does not by itself conclude a paid service agreement, a mortgage-advice contract or a loan agreement.

2. Service process

• Initial review of the information voluntarily supplied by the user.
• Contact to clarify needs and request supporting information where appropriate.
• Identification and comparison of potentially suitable financing options.
• Presentation of a case to selected lenders only after the relevant service is contracted and the user instructs HARBOR ONE to proceed, in accordance with the Privacy Policy.
• Intermediation and, where contracted, a personalised mortgage recommendation.

3. Advice and product scope

Where advice is provided, its scope, the products considered, remuneration and other conditions will be contractually agreed before the recommendation. Advice is not described as independent where remuneration may be received from a lender or another interested third party.

A recommendation is based on information available at the time and cannot guarantee lender approval or that a product will remain available.

4. Fees and commissions

A fee is payable by the user only where a written proposal or agreement expressly states the amount or calculation method, applicable taxes, payment trigger and included services. The intermediary may also receive remuneration from a lender or third party, which will be disclosed as required by law.

Where both forms of remuneration apply, the borrower fee is not automatically reduced by the lender commission. No hidden or unspecified charge arises from submitting the initial form.

5. User responsibilities

• Provide complete, accurate and current information.
• Supply verifiable documents requested for the assessment within a reasonable timeframe.
• Notify material changes that could affect the application.
• Review lender and service documents before accepting them.
• Do not upload unnecessary special-category data, credentials or unrelated confidential information.

6. Lender responsibility and no guarantee

Each lender independently evaluates creditworthiness, property, documentation and regulatory requirements and decides whether to make, change or withdraw an offer. HARBOR ONE is not the lender and does not guarantee approval, timing, interest rates or final conditions.

7. Electronic communications and durable documents

The user agrees that ordinary communications may take place through the selected contact channel. Documents that law or contract requires on a durable medium will be made available in a form that can be stored and reproduced. Users should retain copies of information and agreements provided to them.

8. Cancellation and mandatory consumer rights

Any applicable withdrawal or cancellation right, its period and method will be stated in the specific service agreement before a paid service begins. A cancellation request can be sent to hola@harborone.es. These terms do not restrict rights that cannot be waived under consumer or financial-services law.

9. Personal data

Personal data is processed as described in the Privacy Policy. The user should also read the Pre-borrower Information before requesting intermediation or advice.

10. Complaints

Complaints can be submitted free of charge under the published Complaints procedure. A decision will be issued in less than one month, after which the complainant may contact the Banco de España Complaints Service where the applicable requirements are met.

11. Changes and governing law

The current version is published with its date. Material changes do not retroactively alter an already concluded service agreement unless lawfully agreed. Spanish law applies, without prejudice to mandatory consumer protections and jurisdiction.