Terms and Conditions

Last updated: May 26, 2026

1. Preamble

These terms and conditions govern the use of the banking and financial services offered by TRANSFERENCIA EN LINEA (hereinafter referred to as "the Company"). By accessing our website and using our services, you fully and unreservedly accept these terms.

TRANSFERENCIA EN LINEA is a registered trademark offering money transfer, credit, and online financial management services. Our mission is to provide accessible, transparent, and secure financial solutions to all our clients.

2. Definitions

In these terms and conditions, the following terms have the meanings indicated below:

  • "Client": any natural or legal person using the services of TRANSFERENCIA EN LINEA.
  • "Access Code": unique identifier allowing the Client to access their personal space.
  • "Transfer Order": electronic document summarizing the information of a transfer or transaction.
  • "Services": all the services offered by TRANSFERENCIA EN LINEA.
  • "Site": all web pages accessible via the domain transferencia-en-linea.com.

3. Access to services

To access our services, the Client must have a valid access code provided by TRANSFERENCIA EN LINEA. This code is personal and confidential. The Client agrees not to disclose it to third parties and to take all necessary measures to maintain its confidentiality.

TRANSFERENCIA EN LINEA reserves the right to suspend or terminate access to its services in the event of fraudulent use or non-compliance with these terms.

4. Services offered

TRANSFERENCIA EN LINEA offers the following services:

  • Domestic and international money transfers
  • Personal and professional loans
  • Savings and investment solutions
  • Financial management advice
  • Credit consolidation

Each service is subject to specific conditions which will be communicated to the Client prior to any subscription.

5. Client obligations

The Client agrees to:

  • Provide accurate, complete and up-to-date information when registering and using the services.
  • Use the services in accordance with applicable laws and regulations.
  • Not use the services for fraudulent or illegal purposes.
  • Immediately inform TRANSFERENCIA EN LINEA of any unauthorized use of their account.
  • Assume responsibility for all activities carried out via their access code.

6. Rates and fees

The rates applicable to the services offered by TRANSFERENCIA EN LINEA are indicated on our website and in the contractual documents provided to the Client. TRANSFERENCIA EN LINEA reserves the right to modify its rates at any time, subject to informing the Client within a reasonable period.

Bank fees, transfer fees and commissions are borne by the Client, unless expressly stated otherwise.

7. Security and confidentiality

TRANSFERENCIA EN LINEA implements all necessary technical and organizational means to guarantee the security of transactions and the confidentiality of its Clients' personal data. The information collected is processed in accordance with our Privacy Policy.

The Client acknowledges that data transmission over the Internet may involve risks and agrees to use secure equipment and connections.

8. Liability

TRANSFERENCIA EN LINEA strives to ensure the availability and quality of its services, but cannot guarantee a total absence of interruptions or errors. TRANSFERENCIA EN LINEA's liability cannot be invoked in the event of force majeure, telecommunications network failure, or malicious acts by third parties.

TRANSFERENCIA EN LINEA is not responsible for indirect damages that may result from the use of its services.

9. Suspension and termination

TRANSFERENCIA EN LINEA may suspend or terminate a Client's access to services in the event of:

  • Non-compliance with these terms and conditions
  • Fraudulent or abusive use of services
  • Express request from the Client
  • Prolonged inactivity of the account for a period of 12 months

10. Modification of terms and conditions

TRANSFERENCIA EN LINEA reserves the right to modify these terms and conditions at any time. The modifications come into force as soon as they are published on the site. The Client is invited to regularly consult this page to be aware of any modifications.

11. Applicable law and competent jurisdiction

These terms and conditions are governed by French law. In the event of a dispute, an amicable solution will be sought before any legal action. Failing amicable agreement, the French courts will have sole jurisdiction.

12. Contact

For any questions regarding these terms and conditions, you can contact us:

  • By email: contact@transferencia-enlinea.com
  • By mail: TRANSFERENCIA EN LINEA - Legal Department - Paseo de Pereda, 9-12, 39004 Santander, Cantabria, Spain
  • By phone: +346 32 45 89 31