General Usage Conditions


These general terms shall expressly govern relations between Haya Titulización S.G.F.T., S.A.U. (HT) and any user who visits the website at (the Website) and who interacts via the Website.

A User is anyone who accesses, browses, uses or participates in services and activities on the Website.

By accessing and browsing the Website, Users agree unconditionally to these General Terms of Use.

HT may offer services or products via the Website that may be subject to their own specific terms and conditions which may replace, supplement and/or amend these terms; Users will be informed of any such terms in each specific case.

HT reserves the right unilaterally to alter the presentation and configuration of the Website at any time without prior notice.


The following details of the Website owner are provided in accordance with section 10 of the Spanish Information Society Services and Electronic Commerce Act 34/2002 of 11 July 2002:

Haya Titulización S.G.F.T., S.A.U.
C/ de Medina de Pomar, 27 - Planta 0, 28042 Madrid
Registered in the Companies Register for Madrid, sheet M-117365, folio 224, volume 25.648, section 8, entry 52.


The purpose of this Website is to provide information on the services offered by HT.


HT is the owner of all intellectual property rights in the Website and in its source code, design, navigation structures and the various elements contained therein. HT also has sole entitlement to exploit the said rights, in particular rights of reproduction, distribution, communication to the public and transformation, in whatever form, under the applicable Spanish and European Union legislation.
The Website at, the pages on the Website and all information or elements contained therein include text, documents, photographs, drawings, graphic representations, computer programs, logos, trademarks, trade names or other distinctive signs protected by intellectual or industrial property rights of which HT is the owner or lawful licensee.
In authorising Users to access the Website, HT is not granting any waiver, transfer, licence or assignment of intellectual or industrial property rights, either in whole or in part.


Access to this Website and use of its information and contents is at the User’s sole responsibility.
The terms of access to the Website are subject to the law for the time being in force and to the principles of good faith and lawful use on the part of the User. Any action that is detrimental to HT is prohibited.
Use of this Website for illegal or unauthorised purposes is strictly prohibited.
It is forbidden to exploit the aforesaid works, creations and distinctive signs without prior express authorisation from the owners. Exploitation includes all forms of reproduction, distribution, assignment to third parties, communication to the public and transformation through any medium and by any means. Breach of this prohibition may constitute an offence punishable by law.


Users are entirely responsible for accessing and using the Website properly in accordance with Spanish and international law and the principles of good faith, ethical behaviour, good practice and public policy. Users specifically undertake to comply faithfully with these terms of use.

Users must refrain from using the services and contents of the Website for purposes or outcomes which are illegal, which damage third party rights and interests or which may in any way damage, adversely affect or impair the Website, its contents or services, or render them inoperable. It is also forbidden to interfere with the normal use or enjoyment of the Website by other Users.

HT accepts no liability for any use made by third parties of information provided via this Website. Anyone who breaches these obligations will be liable for any damage or loss caused. HT will not be liable for any consequences, damage or loss resulting from such unlawful access or use by third parties.

HT is not responsible for the truth of the information supplied by those who use the Website and therefore accepts no liability for any inaccuracy in details such as addresses, telephone numbers, email addresses or names published on the Website by its users.

In general, by way of illustration but without limitation, Users must not:

-Use the Website for illegal or unauthorised purposes;

-Alter or change the Website, in whole or in part, by bypassing, disabling or manipulating the Website’s functions or services in any way;
-Infringe industrial and intellectual property rights or personal data protection law;

-Use the Website to insult, defame, intimidate or harass other Users or to infringe other Users’ rights to protect the use of their own image;

-Publish any comment or information on the Website which is unlawful, racist, xenophobic, obscene, pornographic, abusive, defamatory, misleading, fraudulent or in any way contrary to morality or public policy;

-Access other Users’ email accounts;

-Send mass emails and/or repeated emails to multiple recipients, nor send other people’s email addresses without their consent.

Without prejudice to the above, HT reserves the right, at any time and without prior notice, to refuse access to the Website to any Users who breach these General Terms.


Users are responsible for ensuring that they have the services and equipment needed to browse the internet and to access the HT Website. Any User who experiences any problems or difficulty in accessing the Website at may notify HT via email at HT will examine the incident and advise the User as soon as possible on how to solve the problem.

HT accepts no liability in the event of service disruptions, connection errors, lack of internet service, problems with internet access, disruptions to the internet or any other matter outside HT’s control.

HT also accepts no liability for acts or omissions by third parties, whether or not they have a contractual relationship with HT.

Disclaimer of warranty and liability

HT gives no warranty and accepts no liability for any damage and loss of any kind arising from:

-Non-availability of the Website and/or its services or contents or lack of maintenance or any malfunction thereof;

-Lack of utility, suitability or adequacy of the Website and/or its services or content to meet Users’ specific needs, activities, outcomes or expectations;

-Viruses or malware found in the content;

-Illegal, negligent or fraudulent use of the Website and/or its services or content by the User, or use contrary to these Terms of Use, good faith, generally accepted practice or public policy;

-Breach by third parties of their obligations or undertakings in respect of the services provided to Users via the Website.


Any person or organisation that provides or wishes to provide a hyperlink from another website to any of the pages on the HT Website must comply with the following conditions:

-Reproduction in whole or in part of any of the Website’s services or content without prior express authorisation from HT is prohibited;

-It is forbidden to create deep links, IMG links, image links or frame links to pages on the HT Website without prior express authorisation from HT;

-It is forbidden to include any false, inaccurate or incorrect statement about the pages on the HT Website or about their services or content. With the exception of signs that form part of the hyperlink, the web page on which the link is created may not contain any trademark, trade or other name, logo, slogan or other distinctive signs belonging to HT without express authorisation from HT;

-The creation of a hyperlink shall not imply the existence of any relationship between HT and the owner of the website or portal from which it is provided, or any knowledge and acceptance on the part of HT of the services and content offered on the said website or portal;

- HT accepts no liability for the content or services made available to the public on any website or portal from which the hyperlink is provided, or for any information or statements which they contain.


HT accepts no liability in respect of any links on its Website to third party services for which it is not responsible. Consequently, HT accepts no liability for the information contained therein or for any consequences arising from the said information. Any User or third party who considers that any links may be illegal or contrary to morality or public policy must notify us via our email address at


With the exception of typographical errors, HT warrants the accuracy of the information concerning the product which forms part of its commercial portfolio. It disclaims any liability for any information inserted by third parties which has not been endorsed and guaranteed by HT, and for information which is not part of this Website and which has therefore not been produced by HT or which is not published under its name.

In offering its products, HT provides the information needed to ensure that Users are aware of the specific characteristics of the services being offered.

The content of these pages is provided for information purposes only: it does not constitute a firm offer and has no contractual effect. The information is indicative, and therefore Users must confirm the real-time status of the information with HT.

The information which HT is required to publish pursuant to the information requirements concerning managed funds laid down in section 34 of the Spanish Business Financing Act 5/2015 of 27 April 2015 is made available to Users via the Website.


This contract shall be governed by Spanish law, which shall apply in respect of all matters not provided for in this contract as regards interpretation, validity and performance.

In the event of any dispute over these general terms, in the case of a purchase concluded by a private individual, the parties will submit to the jurisdiction of the Courts which apply to the consumer.

In the case of professional or business use, the parties submit to the Courts of Madrid and expressly waive any right to have the case heard in any other jurisdiction.