Legal Notice & Terms of Use

1. Owner

In accordance with Article 10 of Spanish Law 34/2002 on Information Society Services (LSSI-CE), the owner of this website is:

• Owner: Pablo Jesús Pedrajas Arias — NIF 74375349L
• Address: Calle Utiel 18, 03203 Elche (Alicante), Spain
• Contact: legal@pablopedrajas.com

2. Purpose

This is a personal and informational website. Its purpose is to present the owner's professional profile, the ventures he is involved in, tools he uses and recommends, selected reading, and, where applicable, downloadable resources.

Where the site offers downloadable digital products, their sale is governed by sections 6 and 7.

3. Terms of use

Accessing and using this website constitutes acceptance of these terms:

• Use the content lawfully and appropriately.
• Do not introduce, store, or distribute unlawful, defamatory, or third-party-rights-infringing content.
• Do not engage in practices that could damage the site, its systems, or disrupt normal operation.
• Do not attempt to access restricted areas or circumvent security measures.

4. Intellectual property

All content on this site (text, brands, logos, images, design, source code, and curated third-party works) is owned by the owner or used with the corresponding authorisation. Book covers and brand logos belong to their respective owners and appear here for reference purposes only.

Reproduction, distribution, public communication, or transformation without prior written authorisation from the owner is prohibited.

5. Affiliate and third-party links

This site contains links to external stores and services (primarily Amazon Spain, as well as various professional tools) under affiliate programmes. When a user makes a purchase or subscription through one of those links, the owner may receive a commission at no extra cost to the user.

The owner does not control destination sites and accepts no responsibility for their content, policies, or availability. Any purchase or subscription is governed by the terms of the respective external site.

6. Terms of sale for digital products

This site sells downloadable digital products (templates and working documents). No physical product is sold and there is no postal delivery. The seller is the owner identified in section 1.

• Price and taxes: prices are shown in euros and include any applicable VAT. The rate is determined at checkout according to the country of the buyer. If you are a business or professional with a valid EU VAT number from another Member State, you can enter it during checkout and the transaction will be handled under the reverse-charge rules.
• Payment: card and any other method offered by the payment provider Stripe, which processes the payment. The owner never receives or stores your card details.
• Delivery: immediate. On completing payment you receive the download link on screen and also by email. The link is personal and expires after 7 days. If it expires, does not arrive, or stops working, write to legal@pablopedrajas.com and a new one will be sent.
• Invoice: you will receive the invoice for your purchase by email.
• Technical requirements and compatibility: files are delivered in Excel (.xlsx) format, prepared with Microsoft Excel and verified with Excel 2016 and later versions. They can be opened with other compatible spreadsheet applications (LibreOffice Calc, Google Sheets, Numbers), where formatting or the behaviour of some formulas may differ. They contain no macros and no external data connections. You need software capable of opening .xlsx files, which is not included in the purchase.
• Licence of use: the purchase allows you to use the files for your own activity or that of your company, including any copies and adaptations that such use requires. It does not allow you to resell, redistribute, publish or transfer them to third parties, nor to incorporate them into a product or service offered to third parties.

7. Right of withdrawal for digital content

What is sold is digital content not supplied on a tangible medium, whose performance begins immediately. For that reason, before completing payment you are asked to expressly consent to the immediate start of the download and to acknowledge that, in doing so, you lose the right of withdrawal. That consent is recorded during checkout.

Once that consent is given, there is no right of withdrawal and no refund, under Article 103.m of the Spanish consolidated Consumer Protection Act (TRLGDCU). If you do not give it, the purchase cannot be completed.

That said: if the file does not open, does not work, or is not what you expected, write to me and we will look at it.

8. Disclaimer

The owner does not guarantee the complete absence of errors, viruses, or other harmful components. Despite taking reasonable precautions, no liability is accepted for damages arising from technical faults, computer viruses, service interruptions, or misuse by third parties.

Information published on this site (including opinions, recommendations, and bibliographic references) is for informational purposes only and does not constitute professional advice. For tax, financial, or legal decisions, consult a qualified professional.

9. Modifications

The owner reserves the right to modify, without prior notice, the content, structure, and these terms, as well as to suspend the site temporarily or permanently.

10. Applicable law and jurisdiction

These terms are governed by Spanish law. For the resolution of any dispute, the parties submit, waiving any other jurisdiction that may apply, to the courts of the owner's domicile, unless the user is a consumer or applicable law provides otherwise.