CARLOS IBARRA, responsible for the website, hereinafter referred to as the RESPONSIBLE, makes this document available to users to comply with the obligations set forth in Law 34/2002, of July 11, on Information Society Services and Electronic Commerce (LSSICE), as well as to inform all users of the website about the conditions of use.
Any person accessing this website assumes the role of user, committing to the rigorous observance and compliance of the provisions herein, as well as any other applicable legal provision.
CARLOS IBARRA reserves the right to modify any information that may appear on the website, without any obligation to give prior notice or inform the users of such modifications, with the publication on the website of CARLOS IBARRA being understood as sufficient.
1. IDENTIFICATION DATA
Corporate Name: CARLOS IBARRA
Address: SANTA TERESA DEL TUY EDO MIRANDA- VENEZUELA
Email: contact@studentloaninsights.com
2. PURPOSE
Through the website, we offer users the possibility of accessing information about our services.
3. PRIVACY AND DATA PROCESSING
When it is necessary to provide personal data to access certain content or services, users will guarantee their veracity, accuracy, authenticity, and validity. The company will give such data the automated processing corresponding to its nature or purpose, as indicated in the Privacy Policy section.
4. INDUSTRIAL AND INTELLECTUAL PROPERTY
The user acknowledges and accepts that all the contents displayed on the website, especially designs, texts, images, logos, icons, buttons, software, trade names, brands, or any other signs susceptible to industrial and/or commercial use are subject to Intellectual Property rights, and all trademarks, trade names, or distinctive signs, all industrial and intellectual property rights over the contents and/or any other elements inserted on the website, which are the exclusive property of the company and/or third parties, who have the exclusive right to use them in the economic traffic. Therefore, the user commits not to reproduce, copy, distribute, make available, or otherwise publicly communicate, transform, or modify such contents, keeping the company harmless from any claim arising from the breach of such obligations.
Under no circumstances does access to the website imply any kind of waiver, transmission, license, or total or partial assignment of such rights, unless expressly stated otherwise. The present General Conditions of Use of the website do not grant users any other rights of use, alteration, exploitation, reproduction, distribution, or public communication of the website and/or its contents other than those expressly provided herein. Any other use or exploitation of any rights will be subject to the prior and express authorization specifically granted for that purpose by the company or the third-party holder of the affected rights.
The contents, texts, photographs, designs, logos, images, computer programs, source codes, and, in general, any intellectual creation existing on this website, as well as the website itself as a multimedia artistic work, are protected as author rights by intellectual property legislation. The company owns the elements that make up the graphic design of the website, menus, navigation buttons, HTML code, texts, images, textures, graphics, and any other content of the website, or in any case, has the corresponding authorization for the use of such elements. The content provided on the website may not be reproduced in whole or in part, nor transmitted, nor recorded by any information retrieval system, in any form or by any means, unless prior written authorization is obtained from the mentioned entity.
Likewise, it is prohibited to remove, circumvent, and/or manipulate the “copyright” as well as the technical protection devices, or any information mechanisms that the contents may contain. The user of this website commits to respecting the mentioned rights and to avoid any action that could harm them, reserving in any case the company the exercise of all legal means or actions that correspond to it in defense of its legitimate rights of intellectual and industrial property.
5. USER OBLIGATIONS AND RESPONSIBILITIES OF THE WEBSITE
The user commits to:
- Making an appropriate and lawful use of the website as well as the contents and services, in accordance with (i) the applicable legislation at all times; (ii) the General Conditions of Use of the website; (iii) morality and generally accepted good customs; and (iv) public order.
- Providing all the means and technical requirements needed to access the website.
- Providing truthful information when filling out their personal data in the forms contained on the website and keeping them updated at all times so that they correspond, at all times, to the actual situation of the user. The user will be solely responsible for the false or inaccurate statements they make and for the damages they cause to the company or third parties for the information they provide.
Notwithstanding the provisions of the preceding paragraph, the user must also refrain from:
- Making unauthorized or fraudulent use of the website and/or its contents for illegal purposes or effects, prohibited in these General Conditions of Use, harmful to the rights and interests of third parties, or that in any way may damage, disable, overload, deteriorate or impede the normal use of the services or documents, files and all kinds of contents stored on any computer.
- Accessing or attempting to access restricted areas of the website, without meeting the conditions required for such access.
- Causing damage to the physical or logical systems of the website, its suppliers, or third parties.
- Introducing or spreading computer viruses or any other physical or logical systems that may cause damage to the physical or logical systems of the company, suppliers, or third parties.
- Attempting to access, use, and/or manipulate the data of the company, third-party suppliers, and other users.
- Reproducing or copying, distributing, allowing public access through any form of public communication, transforming, or modifying the contents, unless with the authorization of the holder of the corresponding rights or it is legally permitted.
- Deleting, hiding, or manipulating the notes on intellectual or industrial property rights and other data identifying the rights of the company or third parties incorporated into the contents, as well as the technical protection devices or any information mechanisms that may be inserted in the contents.
- Obtaining and attempting to obtain the contents using means or procedures other than those that, depending on the case, have been made available to this effect or have been expressly indicated on the web pages where the contents are located or, in general, those that are commonly used on the internet for not posing a risk of damage or disabling the website and/or the contents.
In particular, and by way of example and not exhaustively, the user commits not to transmit, disseminate, or make available to third parties information, data, contents, messages, graphics, drawings, sound and/or image files, photographs, recordings, software, and, in general, any kind of material that:
- In any way, is contrary to, disparages, or violates fundamental rights and public freedoms recognized constitutionally, in International Treaties, and in the rest of the legislation in force.
- Induces, incites, or promotes criminal, denigrating, defamatory, violent actions or, in general, actions contrary to the law, morality, generally accepted good customs, or public order.
- Induces, incites, or promotes discriminatory actions, attitudes, or thoughts based on sex, race, religion, beliefs, age, or condition.
- Incorporates, makes available, or allows access to products, elements, messages, and/or services that are criminal, violent, offensive, harmful, degrading, or, in general, contrary to the law, morality, and generally accepted good customs, or public order.
- Induces or may induce an unacceptable state of anxiety or fear.
- Induces or incites to engage in practices dangerous, risky, or harmful to health and psychological balance.
- Is protected by intellectual or industrial property legislation belonging to the company or third parties without having been authorized the use that is intended to be carried out.
- Is contrary to honor, personal and family privacy, or the self-image of individuals.
- Constitutes any type of advertising.
- Includes any type of virus or program that prevents the normal functioning of the website.
If a password is provided to access some of the services and/or contents of the website, the user commits to use it diligently, keeping it secret at all times. Consequently, the user will be responsible for its proper custody and confidentiality, committing not to transfer it to third parties, temporarily or permanently, nor to allow access to the mentioned services and/or contents by persons outside. Likewise, the user commits to notify the company of any fact that may imply improper use of their password, such as, for example, its theft, loss, or unauthorized access, in order to proceed with its immediate cancellation. Consequently, while not making the above notification, the company will be exempt from any responsibility that may arise from the improper use of its password, being its responsibility any illicit use of the contents and/or services of the website by any illegitimate third party. If negligently or fraudulently breaching any of the obligations established in these General Conditions of Use, the user will be responsible for all damages and losses that may arise for the company.
6. RESPONSIBILITIES
Access, correct viewing, download, or use of the elements and information contained on the website cannot be guaranteed to be continuous, impeded, hindered, or interrupted by factors or circumstances beyond its control. We are not responsible for the decisions that could be adopted as a result of the access to the contents or information offered.
Service may be interrupted, or the relationship with the user resolved immediately if it is detected that a use of its website, or any of the services offered on it, is contrary to these General Conditions of Use. We are not responsible for damages, losses, claims, or expenses derived from the use of the website.
We will only be responsible for removing, as
soon as possible, the contents that may generate such damages, provided this is notified. In particular, we will not be responsible for the damages that may arise, among others, from:
- Interferences, interruptions, failures, omissions, telephone breakdowns, delays, blockages, or disconnections in the operational functioning of the electronic system, caused by deficiencies, overloads, and errors in the telecommunication lines and networks, or any other cause beyond the control of the company.
- Illegitimate intromissions through the use of malicious programs of any kind and through any means of communication, such as computer viruses or any others.
- Improper or inappropriate use of the website.
- Security or navigation errors caused by a malfunction of the browser or by the use of non-updated versions of the same. The administrators of the company reserve the right to withdraw, totally or partially, any content or information present on the website.
The company excludes any responsibility for damages of any kind that could be due to the misuse of the freely available services and use by the website users. Likewise, it is exempt from any responsibility for the content and information that may be received as a consequence of the data collection forms, being the same only for the provision of services of consultations and doubts. On the other hand, in case of causing damages for illicit or incorrect use of such services, the user may be claimed by the company for the damages or losses caused.
You will defend, indemnify, and hold the company harmless against any damages arising from claims, actions, or demands from third parties as a result of your access to or use of the website. Likewise, you agree to indemnify against any damages arising from your use of “robots,” “spiders,” “crawlers,” or similar tools used to gather or extract data or any other action on your part that imposes an unreasonable burden on the operation of the website.
7. HYPERLINKS
The user commits not to reproduce in any way, even through a hyperlink, the website CARLOS IBARRA, as well as any of its contents, unless expressly authorized in writing by the person responsible for the file.
The website CARLOS IBARRA may include links to other websites managed by third parties, to make it easier for the user to access information from collaborating and/or sponsoring companies. Accordingly, the company is not responsible for the content of such websites, nor is it in a position of guarantor or offeror of the services and/or information that may be offered to third parties through the links of third parties.
The user is granted a limited, revocable, and non-exclusive right to create links to the main page of the website exclusively for private and non-commercial use. Websites that include links to our website (i) may not imply that we recommend such a website or its services or products; (ii) may not misrepresent their relationship with us or state that we have authorized such a link, nor include brands, denominations, trade names, logos, or other distinctive signs of our company; (iii) may not include content that may be considered in bad taste, obscene, offensive, controversial, inciting violence or discrimination based on sex, race, or religion, contrary to public order or illegal; (iv) may not link to any page of the website other than the main page; (v) must link to the address of the website itself, without allowing the website that makes the link to reproduce the website as part of its website or within one of its “frames” or create a “browser” on any of the pages of the website. We may request, at any time, to remove any link to the website, after which it must immediately proceed to its elimination. We cannot control the information, content, products, or services provided by other websites that have established links to the website.
Consequently, we do not assume any type of responsibility for any aspect related to such websites.
8. DATA PROTECTION
To use some of the services, users must previously provide certain personal data. To do this, we will automatically process personal data and apply the corresponding security measures, all in compliance with the GDPR, LOPDGDD, and LSSI. The user can access the policy followed in the processing of personal data as well as the establishment of the previously established purposes, as provided in the conditions defined in the Privacy Policy.
9. COOKIES
We reserve the right to use “cookie” technology on the website to recognize you as a frequent user and personalize your use of the website by pre-selecting your language or more desired or specific content. The cookies used by the website, or the third party acting on its behalf, are only associated with an anonymous user and their computer, and do not provide the user’s personal data by themselves.
Cookies are files sent to a browser through a web server to register the user’s browsing on the website, when the user allows their reception. At the same time, you can delete the cookies for which you should consult the instructions for use of your browser.
Thanks to cookies, it is possible to recognize the browser of the computer used by the user to provide content and offer the browsing or advertising preferences that the user, to the demographic profiles of the users, as well as to measure the visits and traffic parameters, control the progress and number of entries.
10. DURATION AND TERMINATION
The provision of the service of this website and the other services are, in principle, of indefinite duration. However, we may terminate or suspend any of the portal services. When possible, we will announce the termination or suspension of the provision of the determined service.
11. DECLARATIONS AND GUARANTEES
In general, the contents and services offered on the website are purely informative. Therefore, by offering them, we do not grant any guarantee or declaration in relation to the contents and services offered on the website, including, without limitation, guarantees of legality, reliability, utility, veracity, accuracy, or merchantability, except to the extent that such declarations and guarantees cannot be excluded by law.
12. FORCE MAJEURE
We will not be responsible in all cases of inability to provide service if this is due to prolonged interruptions of electricity supply, telecommunication lines, social conflicts, strikes, rebellion, explosions, floods, acts and omissions of the Government, and in general, all cases of force majeure.
13. RESOLUTION OF DISPUTES. APPLICABLE LAW AND JURISDICTION
These General Conditions of Use, as well as the use of the website, will be governed by Spanish legislation. For the resolution of any dispute, the parties will submit to the Courts and Tribunals of the domicile of the RESPONSIBLE.
In the event that any stipulation of these General Conditions of Use is unenforceable or void by virtue of applicable law or as a result of a judicial or administrative decision, such unenforceability or nullity will not render these General Conditions of Use unenforceable or void as a whole. In such cases, the company will proceed to modify or replace such stipulation with one that is valid and enforceable and that, as far as possible, achieves the objective and intention reflected in the original stipulation.
For more detailed information, you can contact us at contact@studentloaninsights.com.