Thanks for using our products and services (“Services”). The Services are provided by Baluwo Financial Services S.L. (“Baluwo”), located at Via Augusta, 9, Entresuelo 2 08006 - Barcelona (Spain) and ID B-66915075.
By using our Services, you are agreeing to these terms. Please read them carefully.
Our Services are very diverse, so sometimes additional terms or product requirements (including age requirements) may apply. Additional terms will be available with the relevant Services, and those additional terms become part of your agreement with us if you use those Services.
You must follow any policies made available to you within the Services.
Don’t misuse our Services. For example, don’t interfere with our Services or try to access them using a method other than the interface and the instructions that we provide. You may use our Services only as permitted by law, including applicable export and re-export control laws and regulations. We may suspend or stop providing our Services to you if you do not comply with our terms or policies or if we are investigating suspected misconduct.
Using our Services does not give you ownership of any intellectual property rights in our Services or the content you access. You may not use content from our Services unless you obtain permission from its owner or are otherwise permitted by law. These terms do not grant you the right to use any branding or logos used in our Services. Don’t remove, obscure, or alter any legal notices displayed in or along with our Services.
Our Services display some content that is not Baluwo’s. This content is the sole responsibility of the entity that makes it available. We may review content to determine whether it is illegal or violates our policies, and we may remove or refuse to display content that we reasonably believe violates our policies or the law. But that does not necessarily mean that we review content, so please don’t assume that we do.
In connection with your use of the Services, we may send you service announcements, administrative messages, and other information. You may opt out of some of those communications.
Some of our Services are available on mobile devices. Do not use such Services in a way that distracts you and prevents you from obeying traffic or safety laws.
You may need a Baluwo Account in order to use some of our Services. You may create your own Baluwo Account, or your Baluwo Account may be assigned to you by an administrator, such as your employer or educational institution. If you are using a Baluwo Account assigned to you by an administrator, different or additional terms may apply and your administrator may be able to access or disable your account.
To protect your Baluwo Account, keep your password confidential. You are responsible for the activity that happens on or through your Baluwo Account. Try not to reuse your Baluwo Account password on third-party applications.
Baluwo’s privacy policies explain how we treat your personal data and protect your privacy when you use our Services. By using our Services, you agree that Baluwo can use such data in accordance with our privacy policies.
There are many different ways you can use our services – to search for and share information, to communicate with other people or to create new content. When you share information with us, for example by creating a Baluwo Account, we can make those services even better – to show you more relevant search results and ads, to help you connect with people or to make sharing with others quicker and easier. As you use our services, we want you to be clear how we’re using information and the ways in which you can protect your privacy.
We’ve tried to keep it as simple as possible, but if you’re not familiar with terms like cookies, IP addresses, pixel tags and browsers, then read about these key terms first. Your privacy matters to Baluwo so whether you are new to Baluwo or a long-time user, please do take the time to get to know our practices – and if you have any questions contact us.
Information we collect:
We collect information to provide better services to all of our users – from figuring out basic stuff like which language you speak, to more complex things like which ads you’ll find most useful.
We collect information in the following ways:
Information you give us:
For example, many of our services require you to sign up for a Baluwo Account. When you do, we’ll ask for personal information, like your name, email address or telephone number to store with your account. We don't store credit or debit card details during the payment, which is managed by Elabon and requies the customer to be complete responsible for its usage. If you want to take full advantage of the sharing features we offer, we might also ask you to create a publicly visible Baluwo Profile, which may include your name and photo.
Information we get from your use of our services. We collect information about the services that you use and how you use them, like when you visit a website that uses our advertising services, or view and interact with our ads and content. This information includes:
We collect device-specific information (such as your hardware model, operating system version, unique device identifiers, and mobile network information including phone number). Baluwo may associate your device identifiers or phone number with your Baluwo Account.
When you use our services or view content provided by Baluwo, we automatically collect and store certain information in server logs. This includes details of how you used our service, such as your search queries, telephony log information like your phone number, calling-party number, forwarding numbers, time and date of calls, duration of calls, SMS routing information and types of calls. Internet protocol address, device event information such as crashes, system activity, hardware settings, browser type, browser language, the date and time of your request and referral URL., cookies that may uniquely identify your browser or your Baluwo Account.
When you use Baluwo services, we may collect and process information about your actual location. We use various technologies to determine location, including IP address, GPS, and other sensors that may, for example, provide Baluwo with information on nearby devices, Wi-Fi access points and cell towers.
Unique application numbers:
Certain services include a unique application number. This number and information about your installation (for example, the operating system type and application version number) may be sent to Baluwo when you install or uninstall that service or when that service periodically contacts our servers, such as for automatic updates.
We may collect and store information (including personal information) locally on your device using mechanisms such as browser web storage (including HTML 5) and application data caches.
Cookies and similar technologies:
We and our partners use various technologies to collect and store information when you visit a Baluwo service, and this may include using cookies or similar technologies to identify your browser or device. We also use these technologies to collect and store information when you interact with services we offer to our partners, such as advertising services or Baluwo features that may appear on other sites. Google Analytics product helps businesses and site owners like Baluwo to analyze the traffic to their websites and apps.
Information we collect when you are signed in to Baluwo, in addition to information we obtain about you from partners, may be associated with your Baluwo Account. When information is associated with your Baluwo Account, we treat it as personal information. For more information about how you can access, manage or delete information that is associated with your Baluwo Account, visit the Transparency and choice section of this policy.
How we use information we collect:
We use the information we collect from all of our services to provide, maintain, protect and improve them, to develop new ones, and to protect Baluwo and our users. We also use this information to offer you tailored content – like giving you more relevant search results and ads.
We may use the name you provide for your Baluwo Profile across all of the services we offer that require a Baluwo Account. In addition, we may replace past names associated with your Baluwo Account so that you are represented consistently across all our services. If other users already have your email, or other information that identifies you, we may show them your publicly visible Baluwo Profile information, such as your name and photo.
If you have a Baluwo Account, we may display your Profile name, Profile photo, and actions you take on Baluwo or on third-party applications connected to your Baluwo Account in our services, including displaying in ads and other commercial contexts. We will respect the choices you make to limit sharing or visibility settings in your Baluwo Account.
When you contact Baluwo, we keep a record of your communication to help solve any issues you might be facing. We may use your email address to inform you about our services, such as letting you know about upcoming changes or improvements.
We use information collected from cookies and other technologies, like pixel tags, to improve your user experience and the overall quality of our services. One of the products we use to do this on our own services is Google Analytics. For example, by saving your language preferences, we’ll be able to have our services appear in the language you prefer. When showing you tailored ads, we will not associate an identifier from cookies or similar technologies with sensitive categories, such as those based on race, religion, sexual orientation or health.
Our automated systems analyze your content (including emails) to provide you personally relevant product features, such as customized search results, tailored advertising, and spam and malware detection.
We may combine personal information from one service with information, including personal information, from other Baluwo services – for example to make it easier to share things with people you know. Depending on your account settings, your activity on other sites and apps may be associated with your personal information in order to improve Baluwo’s services and the ads delivered by Baluwo.
Baluwo processes personal information on our servers in many countries around the world. We may process your personal information on a server located outside the country where you live.
Transparency and choice:
People have different privacy concerns. Our goal is to be clear about what information we collect, so that you can make meaningful choices about how it is used. For example, you can set your browser to block all cookies, including cookies associated with our services, or to indicate when a cookie is being set by us. However, it’s important to remember that many of our services may not function properly if your cookies are disabled. For example, we may not remember your language preferences.
Accessing and updating your personal information:
Whenever you use our services, we aim to provide you with access to your personal information. If that information is wrong, we strive to give you ways to update it quickly or to delete it – unless we have to keep that information for legitimate business or legal purposes. When updating your personal information, we may ask you to verify your identity before we can act on your request.
We may reject requests that are unreasonably repetitive, require disproportionate technical effort (for example, developing a new system or fundamentally changing an existing practice), risk the privacy of others, or would be extremely impractical (for instance, requests concerning information residing on backup systems).
Where we can provide information access and correction, we will do so for free, except where it would require a disproportionate effort. We aim to maintain our services in a manner that protects information from accidental or malicious destruction. Because of this, after you delete information from our services, we may not immediately delete residual copies from our active servers and may not remove information from our backup systems.
Information we share:
We do not share personal information with companies, organizations and individuals outside of Baluwo unless one of the following circumstances applies:
With your consent:
We will share personal information with companies, organizations or individuals outside of Baluwo when we have your consent to do so. We require opt-in consent for the sharing of any sensitive personal information.
For external processing:
For legal reasons:
We will share personal information with companies, organizations or individuals outside of Baluwo if we have a good-faith belief that access, use, preservation or disclosure of the information is reasonably necessary to:
We may share non-personally identifiable information publicly and with our partners – like publishers, advertisers or connected sites. For example, we may share information publicly to show trends about the general use of our services.
We work hard to protect Baluwo and our users from unauthorized access to or unauthorized alteration, disclosure or destruction of information we hold. In particular:
We encrypt many of our services using SSL.
We review our information collection, storage and processing practices, including physical security measures, to guard against unauthorized access to systems.
We restrict access to personal information to Baluwo employees, contractors and agents who need to know that information in order to process it for us, and who are subject to strict contractual confidentiality obligations and may be disciplined or terminated if they fail to meet these obligations.
Compliance and cooperation with regulatory authorities:
Some of our Services allow you to upload, submit, store, send or receive content. You retain ownership of any intellectual property rights that you hold in that content. In short, what belongs to you stays yours.
When you upload, submit, store, send or receive content to or through our Services, you give Baluwo (and those we work with) a worldwide license to use, host, store, reproduce, modify, create derivative works, communicate, publish, publicly perform, publicly display and distribute such content. The rights you grant in this license are for the limited purpose of operating, promoting, and improving our Services, and to develop new ones. This license continues even if you stop using our Services. Some Services may offer you ways to access and remove content that has been provided to that Service. Also, in some of our Services, there are terms or settings that narrow the scope of our use of the content submitted in those Services. Make sure you have the necessary rights to grant us this license for any content that you submit to our Services.
Our automated systems analyze your content (including emails) to provide you personally relevant product features, such as customized search results, tailored advertising, and spam and malware detection. This analysis occurs as the content is sent, received, and when it is stored.
If you have a Baluwo Account, we may display your Profile name, Profile photo, and actions you take on Baluwo or on third-party applications connected to your Baluwo Account in our Services, including displaying in ads and other commercial contexts. We will respect the choices you make to limit sharing or visibility settings in your Baluwo Account. For example, you can choose your settings so your name and photo do not appear in an ad.
When a Service requires or includes downloadable software, this software may update automatically on your device once a new version or feature is available. Some Services may let you adjust your automatic update settings.
Baluwo gives you a personal, worldwide, royalty-free, non-assignable and non-exclusive license to use the software provided to you by Baluwo as part of the Services. This license is for the sole purpose of enabling you to use and enjoy the benefit of the Services as provided by Baluwo, in the manner permitted by these terms. You may not copy, modify, distribute, sell, or lease any part of our Services or included software, nor may you reverse engineer or attempt to extract the source code of that software, unless laws prohibit those restrictions or you have our written permission.
Open source software is important to us. Some software used in our Services may be offered under an open source license that we will make available to you. There may be provisions in the open source license that expressly override some of these terms.
We are constantly changing and improving our Services. We may add or remove functionalities or features, and we may suspend or stop a Service altogether.
You can stop using our Services at any time, although we’ll be sorry to see you go. Baluwo may also stop providing Services to you, or add or create new limits to our Services at any time.
We believe that you own your data and preserving your access to such data is important. If we discontinue a Service, where reasonably possible, we will give you reasonable advance notice and a chance to get information out of that Service.
We provide our Services using a commercially reasonable level of skill and care and we hope that you will enjoy using them. But there are certain things that we don’t promise about our Services.
OTHER THAN AS EXPRESSLY SET OUT IN THESE TERMS OR ADDITIONAL TERMS, NEITHER BALUWO NOR ITS SUPPLIERS OR DISTRIBUTORS MAKE ANY SPECIFIC PROMISES ABOUT THE SERVICES. FOR EXAMPLE, WE DON’T MAKE ANY COMMITMENTS ABOUT THE CONTENT WITHIN THE SERVICES, THE SPECIFIC FUNCTIONS OF THE SERVICES, OR THEIR RELIABILITY, AVAILABILITY, OR ABILITY TO MEET YOUR NEEDS. WE PROVIDE THE SERVICES “AS IS”.
SOME JURISDICTIONS PROVIDE FOR CERTAIN WARRANTIES, LIKE THE IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. TO THE EXTENT PERMITTED BY LAW, WE EXCLUDE ALL WARRANTIES.
WHEN PERMITTED BY LAW, BALUWO, AND BALUWO’S SUPPLIERS AND DISTRIBUTORS, WILL NOT BE RESPONSIBLE FOR LOST PROFITS, REVENUES, OR DATA, FINANCIAL LOSSES OR INDIRECT, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES.
TO THE EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF BALUWO, AND ITS SUPPLIERS AND DISTRIBUTORS, FOR ANY CLAIMS UNDER THESE TERMS, INCLUDING FOR ANY IMPLIED WARRANTIES, IS LIMITED TO THE AMOUNT YOU PAID US TO USE THE SERVICES (OR, IF WE CHOOSE, TO SUPPLYING YOU THE SERVICES AGAIN).
IN ALL CASES, BALUWO, AND ITS SUPPLIERS AND DISTRIBUTORS, WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE THAT IS NOT REASONABLY FORESEEABLE.
If you are using our Services on behalf of a business, that business accepts these terms. It will hold harmless and indemnify Baluwo and its affiliates, officers, agents, and employees from any claim, suit or action arising from or related to the use of the Services or violation of these terms, including any liability or expense arising from claims, losses, damages, suits, judgments, litigation costs and attorneys’ fees.
We may modify these terms or any additional terms that apply to a Service to, for example, reflect changes to the law or changes to our Services. You should look at the terms regularly. We’ll post notice of modifications to these terms on this page. We’ll post notice of modified additional terms in the applicable Service. Changes will not apply retroactively and will become effective no sooner than fourteen days after they are posted. However, changes addressing new functions for a Service or changes made for legal reasons will be effective immediately. If you do not agree to the modified terms for a Service, you should discontinue your use of that Service.
If there is a conflict between these terms and the additional terms, the additional terms will control for that conflict.
These terms control the relationship between Baluwo and you. They do not create any third party beneficiary rights.
If you do not comply with these terms, and we don’t take action right away, this doesn’t mean that we are giving up any rights that we may have (such as taking action in the future).
If it turns out that a particular term is not enforceable, this will not affect any other terms.
The laws of Spain, will apply to any disputes arising out of or relating to these terms or the Services. All claims arising out of or relating to these terms or the Services will be litigated exclusively in the federal or state courts of Barcelona (Spain), and you and Baluwo consent to personal jurisdiction in those courts.
For more information please contact us.