Privacy and terms of use

I. Introduction

This website www.sumofuturo.com (hereinafter, the "Website") is owned by SUMOFUTURO, S.L. (Hereinafter referred to as "SUMOFUTURO"), , a company incorporated under Spanish law, with registered office at Maudes Street, 51, Planta 8, 28003 Madrid, with CIF B-87636338 and registered in the Mercantile Registry of Madrid, Volume 35133 , Folio 71, Section 8, Sheet M 631820, Registration 1 and with email address hola@sumofuturo.com.

The service offered by SUMOFUTURO through this Website, which can only be contracted by companies, allows them to offer their employees (end users of the service) the possibility to improve their financial well-being with a personalized application that allows them to analyze their Habits of consumption and optimize the management of your personal finances, improving your finance management, saving habits and planning for the future through the preparation of personalized reports on the state of your personal finances and recommendations (hereinafter the " Service ").

The User will be a natural person, over 18 years of age, who accesses and / or uses, by any means, any of the contents and / or services of the SUMOFUTURO Web Site (including the Service), either through the areas those that require prior registration (use of the Service) or already through free navigation through the Website.

The Privacy Policy is applicable to:

  • Navigation as a User on the Website.

  • Navigation that can be made through any device from which access to the contents and services of SUMOFUTURO, such as computers, PDAs, tablets, iPad, iPhone, mobile phones, Smartphones or any other means of access to content available on the internet.

  • Access and registration as a User to the Service, as well as access to any content and / or services of SUMOFUTURO.

Important: The User is informed that the indicated navigation, access and registration as a User to the Service and access to any of the contents and / or services of SUMOFUTURO implies the acceptance of this Privacy Policy expressly and without reservations.



II. Normative compliance

SUMOFUTURO guarantees the protection of all personal data that are provided through the Website, in compliance with the provisions of Organic Law 15/1999, of December 13, on the Protection of Personal Data (hereinafter, the "LOPD"), Royal Decree 1270/2007 of 21 December approving the LOPD Development Regulation (hereinafter "RLOPD") and other applicable regulations.



III. Responsible for the file

All personal data provided through the Website will be processed in accordance with legal requirements and will be incorporated into one or more files created and maintained under the responsibility of SUMOFUTURO duly registered with the Spanish Agency for Data Protection.

By providing any information to SUMOFUTURO and accepting this clause, the User is authorizing and granting his express consent so that his data is incorporated into said file (s); however, their consent is revocable.



IV. Collection of personal data of Users

In the Web Site there are forms through which the User is requested personal data. The data that is mandatory to provide will be specified that way in the form.

In order to access the functionality of the Service, it is necessary to be registered as a User and have logged in (hereinafter, "Registered User"). To do this, the User must complete the registration form with his data, choose a password and enter the specific code provided by the contracting company of the Service. Specifically, during the registration process you will be asked for the following personal information: name, e-mail address, date of birth and gender.

In order to use the Service, it will be necessary for the Registered User to provide to SUMOFUTURO the credentials or access keys to the virtual office of their banking entity (s), which will vary according to the user`s banking entity (for example: DNI of the Registered User and password, or DNI of the Registered User and date of birth or user and password).

Important: The mentioned credentials or access codes that SUMOFUTURO will ask the Registered User to be able to access the data and information of their bank accounts / s will only allow SUMOFUTURO to consult the banking movements of the Registered User. That is to say, it will be treated in all cases of credentials or consultation keys and never operative. Therefore, in no case SUMOFUTURO will be able to operate with its bank account (s) nor will it request the Registered User any information that allows it by any means (such as additional keys or coordinates provided by their bank / s to carry out operations such as transfers, transfers, contracting of banking products, payments, raising card limits, etc.). SUMOFUTURO will extract the data and information of the transactions made by the Registered User and based on these will make a profile of the same.

The information provided by the User must be truthful, so that the User guarantees the authenticity of said data to SUMOFUTURO. Otherwise, it will be responsible for any damage it may cause to SUMOFUTURO or third parties for failing to provide authentic data.



V. Purpose of processing personal data of Users

Personal data that may be collected through this Website will be treated for the purposes indicated below:

  • To process the communications that are received from the Users, which includes the attention to their inquiries or requests for information or documentation.

  • Manage the participation in our selection processes (in the case of remission of curriculum vitae).

  • Keep our users informed by subscribing via e-mail about our activities and services.'

  • Provide your Registered Users with the Service.

  • Elaboration of profiles for the writing of personalized reports for the Registered User on the state of their personal finances and the offer of recommendations in relation to them.


VI. Cookies

Cookies are used on the Website. See our specific policy on the use of cookies, where you can find detailed information about the purpose and other relevant aspects of them.



VII. Data shared with third parties.

The information and personal data of Users collected through any of the forms of the Website will not be communicated to third parties in any case. If for any reason it is necessary to communicate such personal data and information to third parties, the consent of the User who owns them will be requested in advance, specifying the purposes of the communication and the third party to whom they are to be communicated.

All this except for those cases in which a legal requirement obliges to communicate such personal data to a third party.



VIII. Security measures.

SUMOFUTURO will comply, with regard to the collection and processing of personal data, with the necessary levels of security appropriate to the data provided by the User, for which SUMOFUTURO has installed all means and technical measures within our reach to avoid loss, unauthorized access or manipulation thereof, in accordance with the provisions of the RLOPD. However, the User must be aware that Internet security measures are not impregnable.



IX. ARCO Rights

The User may, at any moment, exercise the rights of access, rectification, cancellation and opposition on his personal data as well as the revocation of consent for any of the purposes indicated above, by sending an email [subject "Exercise Rights ARCO -LOPD ") to the address hola@sumofuturo.com and clearly stating your complete contact details, right exercised and the action requested, which must be accompanied by a photocopy of your DNI / NIF or document proving your identity.



X. Applicable Jurisdiction:

The relationship between SUMOFUTURO and the User will be governed by current Spanish regulations and any controversy will be submitted to Courts and courts that are legally competent. SUMOFUTURO shall pursue the breach of these conditions and any improper use of this Website by exercising all civil and criminal actions that may correspond to it in law.

Likewise, as an entity adhering to Confianza Online and in the terms of its Code of Ethics, in case of disputes concerning the service of SUMOFUTURO, the user may go to the system of out-of-court dispute resolution of Confianza Online.

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