Cookies policy

What is a cookie? A cookie is a file harmless which are downloaded to your computer when you visit certain websites. Cookies enable a website, amongst other things, to store and retrieve information about a user’s browsing habits or those of their device, depending on the information they contain and how the device is used.

Some cookies collect information regarding the number of pages visited, the city associated with the IP address used to access the site, the number of new users, the frequency and recurrence of visits, the duration of visits, the browser, the internet service provider or the type of device used to visit the site.

What is NOT a cookie?

It is not a virus, a Trojan, a worm, spam, spyware, or something that opens pop-up windows.

What information does a cookie?

The cookies They do not usually store sensitive information about you, such as credit card or bank details, photographs, your ID number or personal details, etc. The data they store is of a technical nature, such as personal preferences and content customisation, etc.

The web server doesn’t identify you as a person, but rather your web browser. In fact, if you usually browse using Internet Explorer and try visiting the same website using Firefox or Chrome, you’ll find that the website doesn’t realise you’re the same person, because it’s actually identifying the browser, not the person.

What happens if I disable the cookies?

So that you understand the potential impact of disabling the cookies Here are a few examples:

• You won't be able to share content from that website on Facebook, Twitter or any other social media platform.
• The website will not be able to tailor its content to your personal preferences, as is often the case with online shops.
• You will not be able to access the personal area of the website, such as My account, or My profileo My orders.
• Online shops: You won’t be able to shop online; you’ll have to order by phone or visit the physical shop, if there is one.
• You will not be able to customise your regional settings, such as time zone, currency or language.
• The website will not be able to carry out web analytics on visitors and website traffic, which will make it difficult for the site to remain competitive.
• You won’t be able to write blog posts, upload photos, post comments, or rate or review content. The website won’t be able to tell whether you’re a human or an automated bot posting spam.
• Targeted advertising will no longer be possible, which will reduce the website’s advertising revenue.
• All social media platforms use cookies, if you disable them, you won't be able to use any social media.

What types of cookies are there?

1. Depending on the entity that manages the computer or domain from which the cookies are sent and processes the data obtained, we can distinguish between the following types of cookies:

• Essential cookies: These are cookies sent to the user’s device from a server or domain managed by the publisher itself, from which the service requested by the user is provided.
• Third-party cookies: These are cookies sent to the user’s device from a server or domain that is not managed by the publisher, but by another entity that processes the data obtained through the cookies.

Where cookies are installed from a device or domain managed by the publisher itself, but the information collected through them is managed by a third party, they cannot be considered first-party cookies.

DART cookie

• Google, as a partner, uses cookies to display adverts on clusterfamilyoffice.com.
• You can disable the use of the DART cookie from Google's advertising system by visiting the Google Privacy Centre.

In addition, browsers may also allow users to view and delete cookies individually. You can find more information about the Cookies in: Wikipedia

Website Beacons

This site may also host web beacons (also known as web bugs). The web beacons are usually small images, one pixel by one pixel in size, which may be visible or invisible, and are embedded within the source code of a website’s pages. The web beacons are used in a similar way to cookies.

In addition, the web beacons are often used to measure the traffic of users visiting a website and to identify patterns among a site’s users. You can find more information about the web beacons in: Wikipedia

Third-party cookies

In some cases, we share information about visitors to this site on an anonymous or aggregated basis with third parties such as advertisers, sponsors or auditors, for the sole purpose of improving our services.

All such processing activities will be carried out in accordance with the law, and all your data protection rights will be respected in accordance with current regulations.

This site tracks traffic using various tools that you can use cookies o web beacons to analyse what is happening on our pages.

We currently use the following tools to measure traffic on this site. You can find further information about the privacy policy of each of the tools used for this purpose:

• How Google uses the data it collects from websites
• Google (Analytics): Google Analytics Privacy Policy(If you wish, you can opt out of Google Analytics tracking by this browser extension provided by Google)

This site may also display its own advertising, affiliate advertising or advertising from advertising networks. This advertising is displayed via ad servers that also use cookies to display advertising content relevant to users.

Each of these ad servers has its own privacy policy, which can be viewed on their respective websites.

What types of cookies are used on this website?

When you access the clusterfamilyoffice.com website, please note that if you continue browsing, various first-party and third-party cookies relating to website analytics (for example: Google Analytics or similar tools) to help the website analyse your use of the site and improve its usability; however, under no circumstances are these associated with data that could identify you.

The data they store is of a technical nature, such as personal preferences and content customisation. The web server does not identify you as an individual, but rather your web browser.

This website uses first-party and third-party cookies to enhance your browsing experience, enable you to share content on social media and leave comments, and to collect statistics about our users.

As a user, you can object to the processing of your data or information by blocking these cookies through the appropriate settings in your browser.

However, please be aware that if you do so, this website may not function properly. It is therefore important that you read this cookie policy and understand that if you continue to browse the site, we will assume that you accept the use of cookies.

You can change your browser settings to be notified when cookies are sent to your device, or, if you wish, disable the ability to store such cookies on your device.

The table below is provided for illustrative purposes only and lists the most relevant cookies used on this website, indicating whether they are first-party or third-party cookies (and identifying the third party contracted or whose services have been selected) and their purpose:

This website currently features advertising from:

• Google AdSense: Google AdSense Privacy Policy– Terms and Conditions – Programme policies

There are also cookies associated with the social media platforms used by this website, each of which has its own cookie policy.

• Twitter cookie, as set out in its Privacy Policy and Use of Cookies.
• Facebook cookie, as set out in its Cookie Policy
• Google+ and Google Maps cookies, as set out on their page explaining types of cookies used
• Pinterest cookie, as set out in its Privacy Policy and Use of Cookies
• Gravatar cookie, as set out in Automattic’s privacy policy.

How are cookies?

As cookies are standard text files, they can be viewed using most text editors or word processing programmes. You can click on a cookie to open it.

Below is a list of links on how to view cookies in different browsers. If you use a different browser, please refer to the information on cookies within that browser. If you are using a mobile phone, please consult your device’s user manual for further information.

• Firefox: https://support.mozilla.org/en-US/kb/cookies-information-websites-store-on-your-computer
• Chrome: https://support.google.com/chrome/bin/answer.py?hl=en&answer=95647&topic=14666&ctx=topic
• Internet Explorer 8–10: http://windows.microsoft.com/en-US/internet-explorer/delete-manage-cookies
• Safari: http://support.apple.com/kb/ph5042
• Opera: http://help.opera.com/Windows/12.00/es-ES/cookies.html

Configuration of cookies for the most popular browsers

Here’s how to access a cookie specific browser Chrome. Note: these steps may vary depending on your browser version:

1. Go to Settings or Preferences via the File menu or by clicking the customisation icon in the top right-hand corner.
2. You'll see various sections; click on the option Show advanced options.
3. Go to Privacy, Content settings.
4. Select All cookies and website data.
5. A list of all the cookies sorted by domain. To make it easier for you to find the cookies for a specific domain, enter the address in full or in part in the field Search for cookies.
6. Once you have applied this filter, one or more lines will appear on the screen with the cookies of the requested website. Now all you have to do is select it and click the X in order to proceed with its disposal.

To access the settings for cookies from the browser Internet Explorer Follow these steps (they may vary depending on your browser version):

1. Go to Tools, Internet Options
2. Click on Privacy.
3. Move the slider to set your preferred privacy level.

To access the settings for cookies from the browser Firefox Follow these steps (they may vary depending on your browser version):

1. Go to Options o Preferences depending on your operating system.
2. Click on Privacy.
3. At History choose Use a custom setting for the history.
4. You will now see the option Accept cookies, you can enable or disable it as you wish.

To access the settings for cookies from the browser Safari for OS X Follow these steps (they may vary depending on your browser version):

1. Go to Preferences, then Privacy.
2. Here you will see the option Block cookies so that you can select the type of lock you wish to apply.

To access the settings for cookies from the browser Safari for iOS Follow these steps (they may vary depending on your browser version):

1. Go to Settings, then Safari.
2. Go to Privacy and Security, you will see the option Block cookies so that you can select the type of lock you wish to apply.

To access the settings for cookies of the mobile browser Android Follow these steps (they may vary depending on your browser version):

1. Open your browser and press the key Menu, then Settings.
2. Go to Security and Privacy, you will see the option Accept cookies so that you can tick or untick the box.

To access the settings for cookies of the mobile browser Windows Phone Follow these steps (they may vary depending on your browser version):

1. Open Internet Explorer, then More, then Settings
2. You can now tick or untick the box Allow cookies.

Do Not Track

Cluster Family Office SL has updated the clusterfamilyoffice.com website to comply with the standard Do Not Track to ensure greater privacy for users who have enabled that option in your browser.

This website automatically excludes users who submit the Do Not Track header, and is subject to the express acceptance of those terms.

If you have a browser that supports this protocol, you can enable it to prevent websites from tracking you. In Google Chrome, for example, it’s in Settings > Advanced > Privacy and Security > Send a 'Do Not Track' request with your browsing traffic.

Enable DNT in Chrome

Confirm DNT

If you wish, you can opt out of Google Analytics tracking by this browser extension provided by Google. You can also try the button below (whether it works or not depends on your browser’s JavaScript settings):

DISABLE GOOGLE ANALYTICS TRACKING

Additional notes

• Neither this website nor its legal representatives accept any responsibility for the content or accuracy of the privacy policies of any third parties mentioned in this policy. cookies.
• Web browsers are the tools responsible for storing the cookies and it is here that you must exercise your right to have them deleted or deactivated. Neither this website nor its legal representatives can guarantee the correct or incorrect handling of the cookies by the aforementioned browsers.
• In some cases, it is necessary to install cookies so that the browser does not forget your decision to decline them.
• In the case of the cookies From Google Analytics, this company stores the cookies on servers located in the United States and undertakes not to share it with third parties, except where necessary for the operation of the system or where required by law. According to Google, it does not store your IP address. Google Inc. is a company that adheres to the Safe Harbour Agreement, which guarantees that all transferred data will be treated with a level of protection in accordance with European regulations.
• If you have any questions or queries regarding this policy, cookies Please don’t hesitate to get in touch with us via the contact section.

LEGAL LIABILITY FOR CONTENT

Clusterfamilyoffice.com contains texts prepared for purely informational or educational purposes which may not reflect the current state of legislation or case law and which refer to general situations; therefore, the content must never be applied by the user to specific cases.

The views expressed therein do not necessarily reflect the views of Cluster Family Office SL.

The content of the articles published on clusterfamilyoffice.com should not, under any circumstances, be regarded as a substitute for legal advice.

Users should not act on the basis of the information contained on clusterfamilyoffice.com without first seeking appropriate professional advice.

Intellectual and industrial property rights

These General Terms and Conditions do not confer any intellectual or industrial property rights in relation to the clusterfamilyoffice.com website or any of its constituent elements; the User is expressly prohibited from reproducing, adapting, distributing, publicly communicating, making available to the public, extraction, reuse, forwarding or use of any kind, by any means or procedure, of any of these elements, except in cases where this is legally permitted or authorised by the owner of the relevant rights.

The user acknowledges and agrees that the entire website, including but not limited to the text, images, designs, software, content (including its structure, selection, arrangement and presentation), audiovisual material and graphics, is protected by trademarks, copyright and other legitimate registered rights, in accordance with the international treaties to which Spain is a party and other property rights and laws of Spain.

Should a user or a third party consider that their legitimate intellectual property rights have been infringed by the publication of certain content on clusterfamilyoffice.com, they must notify Cluster Family Office SL of this, stating:

• Personal details of the data subject whose rights are alleged to have been infringed, or a statement of the capacity in which the claimant is acting if the complaint is submitted by a third party other than the data subject.

Please specify the content protected by intellectual property rights and its location on clusterfamilyoffice.com, provide evidence of the intellectual property rights in question, and include an explicit statement in which the interested party takes responsibility for the accuracy of the information provided in the notification.

Regulations and dispute resolution

These terms and conditions of use for clusterfamilyoffice.com are governed in their entirety by Spanish law. The language in which this legal notice is drafted and interpreted is Spanish.

This legal notice will not be stored individually for each user, but will remain accessible online at clusterfamilyoffice.com.

Users may submit to the Consumer Arbitration Scheme of which Cluster Family Office SL will form part, in order to resolve any dispute or claim arising from this document or from any activity of Cluster Family Office SL, except for the resolution of disputes arising from the performance of an activity that requires membership of a professional body, in which case the user must contact the relevant body of the appropriate bar association.

Users who qualify as consumers or users as defined by Spanish law and who reside in the European Union may, if they have encountered a problem with an online purchase made from Cluster Family Office SL, turn to the Online Dispute Resolution Platform, established by the European Union and developed by the European Commission under the Regulation (EU) No 524/2013.

Provided that the user is not a consumer or end-user, and in the absence of any provision to the contrary, the parties agree to submit to the courts and tribunals of the city of Barcelona, as this is the place where the contract was concluded, expressly waiving any other jurisdiction to which they might otherwise be entitled.

WHAT WE EXPECT FROM USERS

By accessing and/or using clusterfamilyoffice.com, you become a User and, from this moment onwards, fully and unreservedly accept this legal notice, as well as any specific terms and conditions that may supplement it in relation to certain services and content on clusterfamilyoffice.com.

The user is hereby informed, and agrees, that accessing clusterfamilyoffice.com does not in any way imply the commencement of a commercial relationship with Cluster Family Office SL. Accordingly, the user undertakes to use the website, its services and content without contravening applicable legislation, the principles of good faith and public policy.

It is prohibited to use the website for unlawful or harmful purposes, or in any way that may cause damage or hinder the normal functioning of the website. With regard to the content of this website, the following is prohibited:

• Its reproduction, distribution or modification, in whole or in part, is prohibited unless authorised by the rightful owners.
• Any infringement of the rights of the provider or the rightful owners.
• Its use for commercial or advertising purposes.

External links

The pages on the clusterfamilyoffice.com website contain links to other websites and content owned by third parties, such as manufacturers or suppliers.

The sole purpose of these links is to provide Users with the opportunity to access them and learn about our products; however, Cluster Family Office SL accepts no liability whatsoever for any consequences that may arise for the user as a result of accessing these links.

Any user wishing to set up a technical link from their website to the clusterfamilyoffice.com portal must obtain prior written authorisation from Cluster Family Office SL.

The inclusion of a link does not in any way imply the existence of a relationship between Cluster Family Office SL and the owner of the site on which the link appears, nor does it imply that Cluster Family Office SL endorses or approves of its content or services.

If you access an external website via a link found on clusterfamilyoffice.com, you should read that website’s own privacy policy, as it may differ from that of clusterfamilyoffice.com.

Remarketing

The function of remarketing or similar AdWords audiences allow us to reach people who have previously visited our website and help them complete their purchase.

When you visit our website, we will place a remarketing cookie on your device (this may be from Google AdWords, Criteo or other services that offer remarketing).

• This cookie stores information about the visitor, such as the products they have viewed or whether they have abandoned their shopping basket.
• When a visitor leaves our website, the remarketing cookie remains in their browser.

Other terms and conditions of use for this website

The user undertakes to use the website and the services accessible through it responsibly, in full compliance with the law, public decency and this legal notice.

Furthermore, unless Cluster Family Office SL has given its prior, express and written consent, you undertake to use the information contained on the website solely for your own information and may not, either directly or indirectly, exploit the content to which you have access for commercial purposes.

This site stores a file containing data relating to comments submitted to this site.

You may exercise your rights of access, rectification, erasure or objection by sending an email to info@clusterfamilyoffice.com

This website, its associated domains and the content are the property of Cluster Family Office SL, company registration number B64727142, with registered office at Carrer Can Ràbia 3-5, 4th Floor, 08017 Barcelona, Spain.

This website contains hyperlinks to other websites operated by third parties outside our organisation. Cluster Family Office SL does not guarantee nor accept responsibility for the content of those websites.

Unless expressly authorised in advance and in writing by Cluster Family Office SL, the reproduction (except for private use), adaptation, and, in general, any other form of exploitation, by any means whatsoever, of all or part of the content of this website is strictly prohibited.

It is strictly forbidden to modify or alter this website in any way without the prior consent of Cluster Family Office SL.

Consequently, Cluster Family Office SL shall not accept any liability arising from, or that may arise from, such alteration or tampering by third parties.

Exercising ARCO rights

You may exercise the rights set out in Organic Law 15/1999 regarding the data collected, including the right to access, rectify or erase data, and the right to object.

I would therefore like to inform you that you may exercise these rights by sending a written and signed request, together with a photocopy of your National Identity Card or equivalent identification document, to the postal address of Cluster Family Office SL, Tax Identification Number B64727142, located at Carrer Can Ràbia 3-5, 4th Floor, 08017 Barcelona, Spain, or by email, attaching a photocopy of your ID card, to: info@clusterfamilyoffice.com 

We will respond to your request within 10 days to confirm that we have processed the request you have made.

Disclaimer of warranties and liability

Cluster Family Office SL makes no warranties and accepts no liability, under any circumstances, for any loss or damage of any kind that may arise from:

• The unavailability, maintenance or malfunction of the website or its services and content;
• The presence of viruses, malicious or harmful software in the content;
• Any use that is unlawful, negligent, fraudulent or contrary to this Legal Notice;
• The lack of legality, quality, reliability, usefulness and availability of the services provided by third parties and made available to users on the website.

Cluster Family Office SL accepts no liability whatsoever for any damage that may arise from the unlawful or improper use of this website.

European Online Dispute Resolution Platform

The European Commission provides an online dispute resolution platform, which is available via the following link: http://ec.europa.eu/consumers/odr/. Consumers will be able to submit their complaints via the online dispute resolution platform

Governing law and jurisdiction

In general, the relationship between Cluster Family Office SL and the users of its online services, as set out on this website, is governed by Spanish law and falls under the jurisdiction of the Spanish courts.

You can always get in touch with us: Our contact details

If you have any questions regarding these legal terms and conditions or any comments about the clusterfamilyoffice.com website, please contact info@clusterfamilyoffice.com or use the contact form available on the website.

Our privacy policy describes how we collect, store and use the information we gather through the various services and pages available on this site.

It is important that you understand what information we collect and how we use it, as accessing this site implies acceptance of our privacy policy.

Acceptance and consent

The user declares that they have been informed of the terms and conditions regarding the protection of personal data, and hereby accepts and consents to the processing of such data by Cluster Family Office SL, in the manner and for the purposes set out in this privacy policy.

Business post

In accordance with current legislation, Cluster Family Office SL does not engage in spamming; therefore, it does not send unsolicited commercial emails that have not been previously requested or authorised by the user.

Consequently, on each of the forms available on clusterfamilyoffice.com, the User has the option to give their express consent to receive our newsletter, regardless of the specific commercial information requested.