Website owner

Company name: FINANCIAL OVERVIEW, S.L.

Trade name: Finoview

Tax ID (CIF): B22763528

Registered office: Calle La Volta, número 7A, 08150 Parets del Vallès (Barcelona)

Registration details: Barcelona Commercial Registry (Registro Mercantil de Barcelona), Sheet B-639703, Volume/IRUS 1000455510249, Folio 0, 1st entry

Sole director: Raúl García Sarabia

Share capital: €4,617

CNAE (activity code): 6399 — Other information service activities n.e.c.

Email: info@finoview.com

Website: https://www.finoview.com

Finoview is a registered trademark and its logo is protected. See the registration with the OEPM (Spanish Patent and Trademark Office).

Terms of use of the website

Accessing and using this website implies acceptance of these terms. The user undertakes to make appropriate use of the content and services, in accordance with the law, morality and public order. FINANCIAL OVERVIEW, S.L. reserves the right to modify, suspend or discontinue access to the website without prior notice, and to update this Legal Notice.

Intellectual and industrial property

All content on the website (texts, images, designs, logos, software, source code, structure) is the property of FINANCIAL OVERVIEW, S.L. or of third parties who have authorised its use. The reproduction, distribution, public communication or transformation of such content without the express written authorisation of the owner is prohibited.

Limitation of liability

FINANCIAL OVERVIEW, S.L. does not guarantee the absence of errors, viruses or interruptions in access to the site. The information published is for information purposes only and does not constitute financial, legal or investment advice. Finoview accepts no liability for decisions made by the user on the basis of the content of the site.

1. Purpose and scope

These General Terms and Conditions govern the contracting of Finoview’s services by users, whether natural persons (consumers or professionals) or legal entities.

2. Products and Services Offered

Finoview offers two main types of company reports:

• Full Company Reports: Interactive integration of annual accounts (balance sheet, income statement, cash flow statement) with charts, AI and the option to download the official PDF from the Commercial Registry (Registro Mercantil). Access guaranteed for at least one year and for as long as Finoview remains active.
• Summary Company Reports: Integration of abridged annual accounts (without cash flow statement) with up to 3 years of history. Reduced price and the same guaranteed minimum access.

The service is provided mainly through https://www.finoview.com.

3. Licence of Use

Each purchase of a report grants the user a personal, non-exclusive and non-transferable licence of use. Access to the reports is guaranteed for at least one year and for as long as Finoview remains in operation.

4. Restrictions on Use

The user may use the information for internal and comparative studies. Reselling the information in “raw” form or reproducing the reports in full on another website or service is not permitted. Sharing credentials or simultaneous access from multiple unauthorised sessions is not permitted.

Finoview may restrict or suspend access in the event of abusive use or use that compromises the stability of the service.

5. Contracting Procedure

The user registers by providing an email address and a password. After confirming the email address, the user accepts these terms and may access the service on a freemium basis. Reports are purchased through credit packs via Stripe.

6. Plans and Payment Methods

• Freemium: Basic free access after registration.
• Credit Packs: One-off purchase of credits for reports.
• Premium: Subscription with additional benefits (monthly credits for summary reports; not cumulative, unless expressly stated otherwise).

Payments are processed by Stripe Payments Europe, Ltd. (an entity regulated in the EU). Finoview does not store full card details. Prices include applicable taxes and are published at https://www.finoview.com.

7. Credits and Subscriptions

Promotional credits or credits included in premium plans are not cumulative unless otherwise stated. The premium subscription renews automatically unless expressly cancelled before the end of the current period.

8. Right of Withdrawal

In accordance with art. 103.a) of Royal Legislative Decree (Real Decreto Legislativo) 1/2007 (LGDCU), a consumer user who requests immediate access to the digital content expressly acknowledges and accepts that they waive the right of withdrawal of 14 days from the moment the download of, or effective access to, the contracted report begins.

This waiver does not affect users who acquire the services in the course of a business or professional activity.

9. Prices and Taxes

The prices in force are those published at https://www.finoview.com. Any change in prices will be notified with reasonable advance notice. Invoices are issued by FINANCIAL OVERVIEW, S.L. in accordance with Royal Decree (Real Decreto) 1619/2012 and the regulations in force.

10. Intellectual Property

The platform, designs, software and content are protected by intellectual and industrial property rights. Use by the user does not imply the assignment of any rights other than the licence granted in clause 3.

11. Source and Management of Information

The financial information comes from public sources and/or third-party databases authorised for business purposes (for example, infonif.economia3.com, the Commercial Registry). Finoview does not guarantee the accuracy or completeness of such data and accepts no liability for errors in the original sources.

12. Confidentiality and Security

Finoview applies appropriate technical and organisational measures to protect users’ data. It will not sell or disclose personal data to third parties except where required by law or to the sub-processors necessary for the provision of the service (Stripe, Google Analytics). The parties undertake to keep the information exchanged confidential.

13. Termination of the Contract and Liability

Finoview may terminate the contract in the event of serious breaches by the user. The total liability of FINANCIAL OVERVIEW, S.L. is limited, in any event, to the amount actually paid by the user for the affected service in the last 12 months, excluding indirect damages or loss of profit. This limitation does not affect the non-waivable rights of consumers.

14. Customer Service and Complaints

For support or complaints, contact info@finoview.com. We will resolve any issue as quickly as possible and, in any event, within the maximum period established by the applicable regulations.

If you are acting as a consumer, you may also file a complaint with the consumer affairs services of your autonomous community, in addition to bringing proceedings before the courts indicated in the following clause.

15. Governing Law and Jurisdiction

This contract is governed by Spanish law. For users acting as consumers, the courts of the consumer’s place of residence shall have jurisdiction, in accordance with consumer protection regulations. For users acting as a business or professional, the parties submit to the Courts and Tribunals of the city of Barcelona.

1. Data Controller

Identity: FINANCIAL OVERVIEW, S.L.

Tax ID (CIF): B22763528

Address: Calle La Volta, número 7A, 08150 Parets del Vallès (Barcelona)

Email: info@finoview.com

FINANCIAL OVERVIEW, S.L. is not required to appoint a Data Protection Officer (DPO) under art. 37 GDPR, given the volume and nature of its processing activities.

2. Data We Collect and Purposes

3. Recipients and Transfers

The data may be disclosed to the following data processors, solely to the extent necessary for the provision of the service:

• Stripe Payments Europe, Ltd. (Ireland, EU) — payment processing. Data processor with a DPA in accordance with the GDPR. No card data is stored on Finoview’s systems.
• Google LLC — Google Analytics and Google Tag Manager for web analytics (only after consent). International transfer covered by the EU Standard Contractual Clauses (SCCs) and Google’s DPA. We use Google Consent Mode v2 with a ‘denied’ setting by default.
• Google Fonts — fonts are self-hosted at build time via next/font. No requests are made to Google servers at runtime and the user’s IP address is not transferred to Google.
• Vimeo, Inc. (USA) — embedded videos with the dnt=1 (Do Not Track) parameter enabled. With this configuration Vimeo does not store tracking cookies (vuid) or viewer analytics data. Transfer covered by the EU SCCs.
• Google LLC / Firebase Authentication — user authentication service (email/password and Google OAuth). It manages the secure storage of credentials. Google’s DPA applies.
• Dinahosting S.L. (Spain, EU) — hosting provider where the MongoDB database containing users’ account data, studies and reports is hosted. Processing takes place entirely within EU territory.
• OpenAI, Inc. (USA) — generation of analytical texts using language models (GPT-4o-mini). Structured company financial data (ratios, balance sheets, years) is sent in order to generate automatic reports. The data is business-related and public (sourced from the Commercial Registry); no personal data of users is sent. OpenAI does not use this data to train its models (“zero data retention” option / OpenAI DPA). International transfer covered by the EU Standard Contractual Clauses (SCCs).
• Economia3 / Infonif (infonif.economia3.com) — source of public company financial data (Commercial Registry). The data is public and business-related, not personal data of Finoview users.

No data is disclosed to third parties for their own purposes other than those indicated.

4. Retention Periods

• Account data: for the duration of the relationship and up to 3 years after its termination in order to address any potential liabilities.
• Billing data: 5 years (tax obligation, art. 30 of the Spanish Commercial Code (Código de Comercio) and tax regulations).
• Analytics data: according to the Google Analytics configuration (maximum 26 months).
• Support communications: 3 years from the last interaction.

5. Data Subject Rights

You may exercise the following rights at any time by writing to info@finoview.com:

• Access: obtain confirmation as to whether we process your data and a copy of it.
• Rectification: correct inaccurate or incomplete data.
• Erasure: request the deletion of your data when it is no longer necessary.
• Objection: object to processing based on legitimate interest.
• Restriction: request the restriction of processing in certain circumstances.
• Portability: receive your data in a structured, machine-readable format.
• Withdrawal of consent: at any time, without retroactive effect, for processing based on consent.

If you consider that the processing infringes your rights, you may lodge a complaint with the Spanish Data Protection Agency (Agencia Española de Protección de Datos, AEPD).

6. Security

FINANCIAL OVERVIEW, S.L. applies technical and organisational measures appropriate to the level of risk: password encryption, HTTPS communications, access control and periodic review of systems. Nevertheless, no system is infallible. In the event of any security incident affecting your data, we will notify you in accordance with the applicable regulations.

What are cookies?

Cookies are small text files that websites store on your device when you visit them. They allow the site to remember your preferences and actions over a period of time.

Cookies we use

Analytics cookies (Google Analytics) are only activated if you have given your consent through the cookie panel. We use Google Consent Mode v2, which allows basic, anonymous measurement even without full consent.

Managing and withdrawing consent

You can accept or reject analytics cookies through the panel that appears on your first visit. You can change your preference at any time by deleting the fv_cookie_consent value from your browser’s localStorage, or by configuring your browser to block or delete cookies:

• Google Chrome
• Mozilla Firefox
• Safari
• Microsoft Edge

Please note that disabling cookies may affect the functionality of the site.

Further information

For any query about the use of cookies or about your personal data, contact info@finoview.com.

Last updated: May 2025.