Service Terms
1. Who we are
These services are provided by Finance Consulting Group S.L. (“FCG”, “we”), Esperanto 11, 29007 Málaga, Spain. Contact: michael@financeconsultingroup.com.
Private independent service. FCG is a private company. We are not affiliated with the Colegio de Registradores, the Dirección General del Catastro or the Spanish Government, and we are not a law firm.
2. The services
Nota Simple + English Summary (€59). We request a Nota Simple informativa for the property you identify from the relevant Spanish Property Registry, and send you the Registry’s PDF together with a plain-English summary of its main contents (property description, registered owners and shares, registered charges and limitations, and annotations needing clarification) and a short glossary.
Preliminary Spanish Property Check (€149). Everything in the Nota Simple package, plus a comparison of the Nota Simple with public Catastro information, the property advertisement and documents you supply, and a written findings table. Each finding is classified as Consistent, Clarification required or Specialist review required, with questions to raise and a recommended next step.
The English summary is a summary, not a sworn or certified translation. The Spanish document issued by the Registry is the authoritative source.
3. Prices and payment
Prices are shown in euros and include VAT and the ordinary Nota Simple registry fee. Payment is taken in advance through Stripe’s secure checkout; we never see or store your card details. Stripe sends a payment receipt.
If the property includes a separately registered garage, storage room or other unit, a separate extract may be needed. We will tell you before requesting it, and no additional charge is made without your agreement.
4. Timing
We aim to deliver within 48 hours of your order. This is a normal timeframe, not a guarantee: it depends mainly on how quickly the Property Registry issues the Nota Simple, and on our receiving the information we need from you. We will tell you promptly about any delay.
5. Your responsibilities
- Give accurate property details. An address alone may not identify the correct registered property (finca); the cadastral reference helps.
- Have a legitimate interest in the information requested. The Registry only provides information to people with a legitimate interest, and we pass on the reason you give.
- Only upload documents you are entitled to share, and do not upload bank or card details or identity documents.
6. Scope and limitations
- A Nota Simple is an informational extract. It is not a Registry certificate.
- Registry and Catastro information may change after the documents are issued.
- Catastro is an administrative property record and does not itself establish legal ownership or planning legality.
- Public Catastro information does not include protected data such as the owner’s identity or the cadastral value.
- We rely on official and customer-supplied documents and do not physically inspect the property.
- The absence of an identified issue is not a guarantee that no issue exists.
- Our report does not approve a reservation contract, arras contract or purchase, and is not legal advice, conveyancing, a survey, a valuation, tax advice or a planning certificate.
- Please obtain independent professional advice before signing or transferring money.
7. Your right to cancel
If you are a consumer, you may cancel within 14 days of your order by emailing michael@financeconsultingroup.com. Because you ask us to start straight away, if you cancel after we have started work you will be charged in proportion to the work already done (including any registry fee already paid). Once the service has been fully performed, the right to cancel no longer applies.
8. Refunds
- Before we request the Nota Simple: full refund.
- After we have requested the Nota Simple: refund of the price less the registry fee and any work already completed.
- The Registry cannot locate the property: we first ask you for more identifying details. If the property still cannot be located through no fault of yours, we refund the price less any registry fee already incurred.
- Wrong property supplied: if the details you gave were for a different property, a new order is needed for the correct one.
- Delays caused by the Registry or by missing information do not by themselves give a right to a refund, but you may cancel under section 7 where it applies.
Refunds are made to the original payment method.
9. Delivery and documents
We deliver by email with a secure, time-limited download link. Documents are stored securely, outside the public website, and kept only as long as described in our privacy policy.
10. Liability
We prepare each report with reasonable care and skill. Because the service is a preliminary, informational document review based on official and customer-supplied documents, our liability in connection with an order is limited to the price paid for that order, except where the law does not allow liability to be limited (for example for fraud, gross negligence or your statutory rights as a consumer).
11. Complaints
If you are unhappy with the service, please email michael@financeconsultingroup.com. We aim to respond within 5 working days. Consumers resident in the EU may also use the EU Online Dispute Resolution platform.
12. Law
These terms are governed by Spanish law. If you are a consumer, you keep the protection of the mandatory laws of your country of residence and may bring proceedings where the law allows.