Terms and Conditions

Iberia Finance
Website: https://iberia-finance.com
Contact: [email protected]
Last Updated: January 1, 2026
Effective Date: January 1, 20261. Introduction and Acceptance of TermsWelcome to Iberia Finance ("we," "us," "our," or "the Company"). These Terms and Conditions ("Terms") govern your access to and use of the Iberia Finance website located at https://iberia-finance.com, our mobile applications, and all related services, features, and content (collectively, the "Services").By accessing, registering for, or using our Services, you ("you," "your," or "User") acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, and all applicable laws and regulations. If you do not agree with these Terms, you must immediately discontinue use of our Services.IMPORTANT: These Terms contain provisions that limit our liability and require individual arbitration for dispute resolution. Please read them carefully.2. Company InformationIberia Finance is a financial technology company that provides digital banking-style services, money management tools, and investment-related features.Registered Address:
1425 Harmony Ave, Austin, TX 73301, United StatesCustomer Support:
Email: [email protected]
Available 24/7Regulatory Status: Iberia Finance operates in compliance with applicable financial services regulations in the jurisdictions where we provide Services. Specific regulatory disclosures are provided during the account registration process.3. Eligibility3.1 Age RequirementsYou must be at least 18 years of age to use our Services. By using the Services, you represent and warrant that you meet this requirement.3.2 Legal CapacityYou must have the legal capacity to enter into binding contracts in your jurisdiction.3.3 Prohibited PersonsYou may not use our Services if:You are located in a jurisdiction where such use is prohibited by lawYou are subject to sanctions administered by the EU, UN, US OFAC, or other applicable authoritiesYou have been previously suspended or removed from our ServicesYou are on any government list of prohibited or restricted parties3.4 Geographic RestrictionsOur Services are available in select countries. We reserve the right to restrict access from certain jurisdictions based on regulatory requirements.4. Account Registration and Security4.1 Account CreationTo access certain features, you must create an account. You agree to:Provide accurate, current, and complete informationMaintain and promptly update your informationKeep your login credentials confidentialNotify us immediately of any unauthorized access4.2 Identity Verification (KYC)As a regulated financial services provider, we are required to verify your identity. You agree to provide:Government-issued identificationProof of addressAdditional documentation as required by applicable law4.3 Account SecurityYou are responsible for all activities conducted through your account. We recommend:Using strong, unique passwordsEnabling two-factor authenticationRegularly monitoring account activityNot sharing credentials with third parties4.4 Account Suspension and TerminationWe reserve the right to suspend or terminate your account if:You violate these TermsWe detect suspicious or fraudulent activityRequired by law or regulatory authoritiesYou provide false or misleading information5. Services Description5.1 Core ServicesIberia Finance provides the following services:a) Digital Money ManagementBudgeting tools and expense trackingSavings goals and automated savings featuresReal-time transaction notificationsb) Payment ServicesDomestic and international money transfersPayment whitelisting and blacklistingMulti-currency account featuresc) Investment-Related FeaturesPortfolio management toolsFinancial planning resourcesRetirement planning simulators5.2 Service LimitationsInvestment services may be provided through third-party partnersCertain features may not be available in all jurisdictionsProcessing times vary based on payment methods and destination5.3 Fees and ChargesApplicable fees are disclosed:During account registrationIn the app before transaction confirmationOn our website's pricing pageWe reserve the right to modify fees with 30 days' advance notice.6. User Obligations and Prohibited Activities6.1 Acceptable UseYou agree to use our Services only for lawful purposes and in accordance with these Terms.6.2 Prohibited ActivitiesYou may NOT:Use Services for money laundering, terrorist financing, or illegal activitiesViolate any applicable laws or regulationsInfringe on intellectual property rightsAttempt to gain unauthorized access to our systemsTransmit malware, viruses, or harmful codeEngage in fraudulent or deceptive practicesUse automated systems to access Services without permissionInterfere with or disrupt the ServicesImpersonate another person or entityCollect user information without consentCircumvent geographic or other restrictions6.3 Consequences of ViolationViolations may result in:Immediate account suspension or terminationLegal action and recovery of damagesReporting to law enforcement authorities7. GDPR Compliance and Data Protection (EU/EEA Users)7.1 Data ControllerIberia Finance acts as the Data Controller for personal data processed through our Services. For data processed on behalf of business clients, we may act as a Data Processor.Contact for Data Protection Matters:
Email: [email protected] Legal Basis for ProcessingUnder the General Data Protection Regulation (EU) 2016/679 ("GDPR"), as amended and interpreted through 2026, we process personal data based on:Processing ActivityLegal BasisAccount creation and managementContract performanceIdentity verification (KYC/AML)Legal obligationMarketing communicationsConsentFraud preventionLegitimate interestService improvementLegitimate interestLegal complianceLegal obligation7.3 Your GDPR RightsAs an EU/EEA data subject, you have the following rights:a) Right of Access (Article 15)
Request a copy of your personal data and information about how we process it.b) Right to Rectification (Article 16)
Request correction of inaccurate or incomplete personal data.c) Right to Erasure / "Right to be Forgotten" (Article 17)
Request deletion of your personal data, subject to legal retention requirements.d) Right to Restrict Processing (Article 18)
Request limitation of processing in certain circumstances.e) Right to Data Portability (Article 20)
Receive your data in a structured, commonly used, machine-readable format.f) Right to Object (Article 21)
Object to processing based on legitimate interests or for direct marketing.g) Rights Related to Automated Decision-Making (Article 22)
Not be subject to decisions based solely on automated processing that produce legal effects, unless exceptions apply.h) Right to Withdraw Consent
Withdraw consent at any time where processing is based on consent.7.4 Exercising Your RightsTo exercise your rights:Email us at: [email protected] "GDPR Request" in the subject lineProvide sufficient information to verify your identityResponse Time: We will respond within 30 days, extendable by 60 days for complex requests with notification.7.5 Data Transfers Outside the EU/EEAWhere we transfer personal data outside the EU/EEA, we ensure appropriate safeguards:Standard Contractual Clauses (SCCs) approved by the European CommissionAdequacy decisions where applicableBinding Corporate Rules where relevantExplicit consent where required7.6 Data RetentionWe retain personal data only as long as necessary:Account data: Duration of account plus 5 years after closureTransaction records: 5-10 years as required by financial regulationsKYC documents: 5 years after account closureMarketing data: Until consent withdrawn7.7 Data Breach NotificationIn the event of a personal data breach:We will notify the relevant supervisory authority within 72 hoursAffected individuals will be notified without undue delay if high risk7.8 Supervisory AuthorityEU/EEA users have the right to lodge a complaint with their local data protection supervisory authority.8. Privacy and Data Collection8.1 Information We CollectPersonal Information: Name, email, phone, address, date of birthFinancial Information: Bank account details, transaction historyIdentity Verification: Government ID, proof of addressTechnical Data: IP address, device information, browser typeUsage Data: How you interact with our Services8.2 How We Use Your InformationProvide and improve ServicesVerify identity and prevent fraudComply with legal obligationsCommunicate about your accountSend marketing (with consent)8.3 Information SharingWe may share your information with:Service providers and partnersRegulatory and law enforcement authoritiesCredit reference agenciesFraud prevention servicesWith your consent, other third parties8.4 Cookies and TrackingWe use cookies and similar technologies. For detailed information, see our Cookie Policy.9. Intellectual Property9.1 Our RightsAll content, trademarks, logos, software, and materials on our Services are owned by or licensed to Iberia Finance and protected by intellectual property laws.9.2 Limited LicenseWe grant you a limited, non-exclusive, non-transferable license to use our Services for personal, non-commercial purposes.9.3 RestrictionsYou may not:Copy, modify, or distribute our contentUse our trademarks without written permissionReverse engineer our softwareCreate derivative works10. Third-Party ServicesOur Services may integrate with or link to third-party services. We are not responsible for:Third-party content or practicesTerms and conditions of third partiesPrivacy practices of third partiesYour use of third-party services is at your own risk and subject to their terms.11. Disclaimers and Limitations of Liability11.1 Service AvailabilityServices are provided "AS IS" and "AS AVAILABLE." We do not guarantee:Uninterrupted or error-free serviceThat defects will be correctedThat Services are free of viruses or harmful components11.2 Investment DisclaimerIMPORTANT: Investment-related features are for informational purposes only. We do not provide:Investment adviceRecommendations to buy or sell securitiesGuarantees of investment returnsPast performance does not guarantee future results. Investments carry risk, including possible loss of principal.11.3 Limitation of LiabilityTO THE MAXIMUM EXTENT PERMITTED BY LAW:We are not liable for indirect, incidental, special, or consequential damagesOur total liability shall not exceed the fees you paid us in the 12 months preceding the claimWe are not liable for losses due to circumstances beyond our reasonable control11.4 ExceptionsNothing in these Terms excludes liability for:Fraud or fraudulent misrepresentationDeath or personal injury caused by negligenceAny liability that cannot be excluded by law12. IndemnificationYou agree to indemnify, defend, and hold harmless Iberia Finance, its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:Your violation of these TermsYour use of the ServicesYour violation of any third-party rightsYour violation of applicable laws13. Dispute Resolution13.1 Informal ResolutionBefore filing a formal dispute, you agree to contact us at [email protected] to seek informal resolution.13.2 ArbitrationAny dispute not resolved informally shall be resolved through binding arbitration in accordance with:For EU consumers: Applicable EU consumer protection laws and ADR directivesFor other users: American Arbitration Association rules13.3 Class Action WaiverTo the extent permitted by law, you agree to resolve disputes individually and waive the right to participate in class actions.13.4 EU Consumer RightsEU consumers retain all rights under applicable EU consumer protection legislation, including access to ADR entities and the European Consumer Centre Network.14. Modifications to TermsWe reserve the right to modify these Terms at any time. Changes will be effective:30 days after posting for material changesImmediately for non-material changesWe will notify you of material changes via:Email to your registered addressIn-app notificationProminent notice on our websiteContinued use after changes constitutes acceptance.15. Termination15.1 By YouYou may close your account at any time by contacting us at [email protected] By UsWe may terminate or suspend your access immediately for:Violation of these TermsLegal or regulatory requirementsExtended inactivity (with notice)15.3 Effect of TerminationUpon termination:Your right to use Services ceasesWe will return remaining balances (subject to legal requirements)Certain provisions survive termination16. General Provisions16.1 Entire AgreementThese Terms constitute the entire agreement between you and Iberia Finance.16.2 SeverabilityIf any provision is found unenforceable, the remaining provisions remain in effect.16.3 WaiverOur failure to enforce any right does not constitute a waiver of that right.16.4 AssignmentYou may not assign your rights under these Terms. We may assign our rights without restriction.16.5 Governing LawFor EU users: Laws of the EU member state where you resideFor other users: Laws of the State of Texas, USA16.6 LanguageThese Terms are provided in English. Translations are for convenience only; the English version prevails.17. Contact InformationFor questions about these Terms and Conditions:Iberia Finance
1425 Harmony Ave
Austin, TX 73301
United StatesEmail: [email protected]
Support: Available 24/718. Additional Disclosures18.1 ComplaintsIf you have a complaint:Contact us at [email protected] will acknowledge within 5 business daysWe will provide a final response within 15 business daysEU users may escalate to their national competent authority or ADR provider.18.2 Regulatory InformationIberia Finance is committed to full compliance with:GDPR (EU) 2016/679 and 2026 amendmentsPSD2 and PSD3 (where applicable)AML Directives (AMLD5/AMLD6)Local financial services regulations18.3 Deposit ProtectionInformation about deposit protection schemes, where applicable, is provided during account registration.By using Iberia Finance Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.Document Version: 1.0
Last Reviewed: January 1, 2026
Next Review: January 1, 2027