Legal Notice

In compliance with the duty of information set out in Article 10 of Spain's Law 34/2002 on Information Society Services and Electronic Commerce (LSSI-CE), the identifying details of the owner of this website are:

• Owner: Carlos Muñoz
• Contact email: legal@lait.finance
• Website: https://lait.finance

lait.finance is currently operated by a private individual (no commercial activity) based in Barcelona, Spain.

lait.finance is a personal finance aggregation and portfolio-management platform that lets users consolidate bank accounts (read-only, via PSD2/Open Banking through a licensed provider), brokerage and crypto accounts, and manually tracked assets into a single dashboard, with informational analytics and AI-assisted insights. The Service is read-only: it never executes transactions or moves funds.

Access to and use of lait.finance are governed by our Terms of Service (/terms-of-service) and our Privacy Policy (/privacy), which you should read before using the Service. By using lait.finance you accept those terms in full.

All content, design, source code, trademarks and branding of lait.finance are owned by Carlos Muñoz unless otherwise stated. Reproduction, distribution, public communication or the creation of derivative works without prior written authorization is prohibited. Third-party trademarks (banks, brokers, tokens and other assets) belong to their respective owners and are used for identification purposes only.

The Service is provided for informational purposes only and does not constitute investment, tax, or financial advice. The owner is not liable for decisions taken on the basis of the information displayed, for temporary unavailability of the Service, for inaccuracies in data supplied by third parties, or for damage arising from improper use. The full limitation of liability is set out in the Terms of Service.

Personal data is processed in accordance with the EU General Data Protection Regulation (GDPR) and Spanish data-protection law (LOPDGDD). Full details of what we collect, the legal basis, sub-processors, international transfers and how to exercise your rights are set out in our Privacy Policy (/privacy). Data-protection contact: privacy@lait.finance.

This Legal Notice and any use of lait.finance are governed by Spanish law. For consumer disputes, the courts of the consumer's place of residence within Spain or the EU are competent as provided by applicable consumer-protection law; in all other cases the parties submit to the courts of the city of Barcelona.

Under Regulation (EU) No 524/2013, consumers resident in the European Union may submit disputes through the European Commission's Online Dispute Resolution platform, available at: https://ec.europa.eu/consumers/odr. Before doing so, you may contact us at legal@lait.finance to seek an amicable resolution.