CREDIMET - CREDITO E INVERSIONES MEDITERRANEO S.L.

CONDITIONS And LEGAL

Condition of User and implicates its total acceptance

-This document regulates the use of the site you just entered, that CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., ( www.credimet.com ) puts at all internet's users disposal

The use of this site provides the condition of User and implicates its total acceptance and with no reserve to all and every one of the dispositions included in this Legal Note, as in the General or Particular Use Conditions, valid in every moment in which the user enters the site, and therefore if he doesn’t agree with any of the hereby mentioned conditions, he should not use / access this Site.

CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., keeps the right to modify, at any time, the Present General Conditions for the Use of this Site, as well as any other General or Particular Conditions, Use Regalements, Instructions or notices that result from application. Also, CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., keeps the right to suspend, interrupt or unable the Site at any moment. Therefore, the user must read carefully and thoroughly all this document, in any occasion he proposes the use or usage of the Web, as it can be modified.

All the physical or legal entities residing or living in other countries of the European Union or outside the European Union, must be sure that he is authorized to access and use of the Site and/or its content, according to it's own legislation. In any case, the access and use of the Site by any user that doesn’t fulfill the residence prerequisite of one year in Spain, will be understood as made under it's own responsibility, and relieving CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., of any responsibility as long as the applicable legislation allows it.

2. PURPOSE

Through this Site, CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., allows all users to access several contents, services, information and information (the "Contents") that are put at the users disposition by CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., or by third parties providing services and contents. CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., keeps the right to modify, at any time, the presentation, configuration and placement of the Site, as well as the Contents and Conditions required to use them. In general, the provision of services, doesn’t require prior subscription or registration by the users.

3. ACCESS CONDITIONS AND USE OF THE SITE

3.1. Access and use of the Site

The user recognizes and accepts that access and use of the Site and/or the Contents included here is made free and consciously, under his exclusive responsibility.

The access to the Site and/or Contents included in it doesn’t imply any kind of warranty regarding the capacity of the Site and /or the contents included in it for private or specific goals of the users. CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., can establish limitations and/or additional conditions for the use and/or access to the Site and/or the Contents, which must be considered by the Users, in any case.

All the information the user should provide, must be true. Therefore the user guarantees the authenticity of all information he provides when fulfilling the necessary forms to the services subscription, access to contents or restricted areas of the site.

Likewise it will be the user's responsibility to keep all the information given to CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., constantly updated as to the real situation of the User.

In any case, the User will be the only responsible of any false or inaccurate manifestations, and the damages caused to CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., or third parties because of the information he provides to use the Services by under aged, which must previously obtain parents, tutor or legal guardian's authorization, which will be held responsible for all the acts performed by the under aged under they control.

The adult in charge takes all responsibility in the determination of the concrete contents and Services the under aged have access.

As the Internet makes it possible to access contents that could not be appropriate for minors, Users are informed that there are mechanism, specially filter and blocking computer programs, that allow you to limit the available contents, although they are not infallible, there are specially useful to control and restrict the material the minors can access.

3.2. Authorized Use of the Site and the Contents.

The contents you will be seeing can include text, images and other adult material. These contents are specifically meant to adults and that, under the applicable legislation, have total capability to access these products.

Those who did not fulfill these two requisites, are completely forbidden to access these material. If you don’t fulfill one of them, you are compelled to exit, disconnect or not access to the contents that are exhibited clicking on the I DON’T ACCEPT option, at the end of these Conditions of Use.

To access to these contents it is essential that you state expressly that you are adult, are totally capable to access the related products, want, voluntarily see the informing contents and exclusively destined to adults like you, and you don’t consider as fraudulent or offensive the products exposed in the Site, you will abandon immediately your visit to these contents in case you consider them offensive or fraudulent and know and accept the Site's Use Legal Notice.

The user compromise himself to make a proper and licit use of the Site and the Contents, according to the applicable Legislation, the present General Conditions to Use the Site, moral and good manners generally accepted, as well as public order.

User must refrain from:

1. Make a non authorized or fraudulent use of the Site and/or Contents with licit or illicit purposes, forbidden in the present Legal Notice, harmful to the rights and interests of third parties, or that in any way can hurt, make useless, overload, deteriorate or prevent the normal utilization of the Services, the computer equipments or documents, files and any class of contents stored in any computer equipment.

2. Access or try to access to resources or restricted areas of the Site, without fulfilling the required conditions for such access.

6. Reproduce or copy, distribute, allow the access to the public by any means of public communication, transform or modify the Contents, unless he has the owner's authorization of the mentioned rights or this is legally allowed.

8. Obtain and try to obtain the Contents using means or procedures different to those that, according to the cases, are at their disposition for this or are expressly indicated in the Web pages where these Contents are placed, or in general, the ones usually access by the Internet since they don’t mean any risk or damage or disablement of the Site and / or the Contents.

9. In particular, and in a merely indicative and non exhaustive title, the User compromises himself not to transmit, spread or make available to third parties, information, data, contents, messages, graphics, drawings, sound and / or image files, photographs, records, software and, in general, any type of material that:

(a) In any way is contrary, diminishes or attempts against the fundamental rights and constitutional public known freedoms, in the International Treaties and in all Legislation;

(b) Induces, incites or promotes criminal, denigrating, defamatory, infamous, violent actions, or in general, contrary to law, moral and good manners generally accepted or to public order.

(c) Induces, incites or promotes actions, attitudes or discriminatory thoughts by reason of sex, race, religion, beliefs, age or condition:

(d) Embodies, puts to disposition or allows the access to products, elements, messages and/or criminal, violent, offensive, injurious, degrading, violent services, or in general contrary to law, to moral and good manners generally accepted or to public order;

(e) Induces or can induce an unaccepted state of anxiety or fear;

(f) Induces or incites to involve in religious practices, risky or harmful to health and the psychological balance;

3.3. Link's Introduction

Users that want to establish a hyperlink, connection or link between their site and CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L.,'s site (www.credimet.com) should get the previous authorization of CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., submitting an application to the following e-mail address: credimet@credimet.com and will be subject to the following duties:

1. The link will only allow access to the site, but willnot be allowed to reproduced it in any form;

2. No Links (bonds) will be established with any other pages other the main one ("homepage") of the Site;

3. No frame nor border environment on the Site will be created.

4. No manifestations or indications, that might be false, inaccurate or incorrect on the Site, will me made;

5. It will not be declared not understood that CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., has supervised or assumed in any way the contents or services offered or announced in the Site with which the link is established.

6. The site in which the Link will be established, will have no brand, nor commercial name, nor establishment name, denomination, logotype, slogan or other distinctive signs owned by CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., and / or third parties, without their due authorization:

7. The Site where the link is posted will not have information or contents that are illegal, contrary to moral and good manners generally accepted and to public order, or contrary to any third party's rights.

The Link doesn’t imply in any case any relation between CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., and the owner and / or operator of the Site it's established, nor the knowledge, acceptance and / or CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L.,'s approval of its contents and / or services.

CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., in any case will respond for any consequence that should arise by the introduction of the link by third parties, nor the contents, information and/or services offered in the Web Sites where the Link has been established.

4. RESTRICTED ACCESS AREA

In case the Site offers a restricted access area, for members, it will be ruled by the following:

To access and use the restricted access area, Users must register by previously filling a "Registration Form" for every case that appears in the site.

CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., reserves it's right to freely accept or dismiss the registration application of any user. The information provided by the Users in such registration form, should be exact, actual and truthful in any moment, and will be processed by CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., in the way their privacy policy establishes.

Registered Users will, at all times, responsible for the custody of their access code, therefore assuming any damage or injury that could be a result of their wrongful use, as well as the cession, revelation or loss of the same. Therefore, the access to restricted areas and/or use of contents done under the password of a Registered User will be assumed as made by such Registered user, who will, in any case, assume responsibility for said access and use.

Registered Users will be able to modify, at any time, their password, as it is indicated in the Site. In case they forgot their password, or any other circumstance that will mean an access and / or using risk by third non-authorized parties, Registered Users are meant to report it immediately to CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., so they can block and substitute it immediately.

5. INDUSTRIAL AND INTELLECTUAL PROPERTY RIGHTS

User acknowledges and accepts that all industrial and intellectual property rights on the Contents and/or any other element inserted in the site (including, with no limitation, trademarks, logos, commercial names, texts, images, graphics, designs, sounds, data base, software, flux diagrams, presentation, lookandfeel, audio and video) belong to CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., and/or third parties. In no case access to the site implies any type of withdrawal, transmission, license or total nor partial cession of said rights, unless the contrary is expressly established. These General Conditions of Use of the Site do not grant users any other use, alteration, exploitation, reproduction, distribution or public communication rights on the site and/or their contents different that the ones hereby expressly foreseen.

Any other use or exploitation on any of the rights is subject to previous and express authorization specifically granted by CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., or by third party owner of the affected rights.

CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., authorizes Users to use, view, print, unload, and file the contents and/or elements inserted in the site exclusively for their personal, private and non profitable use; provided that the origin and/or author is mentioned, and if this is the case, the Copyright Symbol and or Industrial Property Notes of their owners are visible.

It is strictly forbidden de use of such elements, their reproduction, communication and/or distribution with commercial or profitable purposes, as well as their modification, alteration or disorganization. For any other different use of the expressly allowed, it will be necessary to obtain previous written consent of the owner of the corresponding rights.

6. PERSONAL DATA PROTECTION POLICY

To use any of the services or access to certain contents, Users must previously provide certain personal information to CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L.,.

CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., puts at the User's disposition his personal data protection policy in the paragraph "Privacy Policy" that can be found in the Site, in this case, the information will be registered in the proper organisms.

7. COOKIE TECHNOLOGY USE

User recognizes and accepts that CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., will be allowed to use cookies whenever a User navigates the Site. The CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., cookies will only be associated to an anonymous user and its computer, and don’t provide any references that could allow the deduction of personal information of the user.

User can set its computer to notify and reject the installation of cookies sent by CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., and this will not mean any prejudice to the possibility of the user to access the Contents.

8. WARRANTIES AND RESPONSIBILITY EXCLUSION

8.1. Warranties and responsibility exclusion for the functioning of the Site.

It isn’t guaranteed the availability and functioning continuity of the Site or other Web sites with which the link has been established.

Likewise, CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., will not in any case be held responsible for any damage or harm that could be derived from:

1. Lack of availability or access to the Site or any other Site with which there is a Link.

2. Interruption in the Site functioning or computer failures, telephone damages, disconnections, delays or blockage caused by deficiencies or overloads in the telephone lines, in the Internet system or in other electronic system produced in the course of it's functioning.

3. Lack of expertise of the Site for the specific needs of the Users, and;

4. Other damages that can be caused by third parties by non authorized intromissions beyond CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L.,'s control.

In order to diminish the risk of virus introduction in the Site, CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., uses virus detection programs to control the Contents placed in the Site. However, CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., doesn’t guarantee the absence of virus or other elements in the site introduced by third parties not belonging to CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., that can produce alterations in the physical or logical systems of the Users or in the electronic documents and files stored in their systems.

Therefore, CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., will not be held responsible of any damage and harm of any kind that could be derived from the presence of virus or other elements that can produce alteration in the physical or logical systems, electronic documents or files belonging to the users.

CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., takes several protection measures to protect the Site and the Contents against third parties computer attacks.

However, CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., doesn’t guarantee that non authorized third parties are not accessing the site as the User does, or the conditions, characteristics and circumstances in which said use is made.

Therefore, CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., will in no case be held responsible for the damages and harms that could be derived from such non authorized access.

8.2. Warranties and responsibility exclusion for the use of the Site of the service and contents by the Users.

CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., in no case will be held responsible for the use the Users and / or third parties could make of the Site and Contents, nor the damages and harms that could derive from such use.

CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., doesn’t have any obligation to control, nor controls the utilization the users do of the Site and the Services.

Specially, CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., doesn’t guarantee that the users will use the Site, Services and Contents according to this present Legal Notice, and, in such case with the Particular Conditions resulting from the application, nor that they do it diligently and carefully.

CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., is not compelled to verify nor does verify the identity of the Users, nor the truthfulness, validity, exhaustivety and/or authenticity of the information provided by the users about themselves to CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., and to other users.

CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., excludes any responsibility for the damages and harms of any kind that could be derived from the use of the services and the contents by the users or that could be a consequence of the lack of truth, validity, exhaustivety and/or authenticity of the information the users provide about themselves and particularly although not exclusively by the damages and harms of any kind that could be derived from the usurpation of personality of a third one made by any user in any type of communication made through the site.

8.3. Warranties and responsibilities exclusion for the Contents

CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., does not edit third parties contents published in the site, and therefore, does not guarantee nor assume any responsibility on their lawfulness, reliability, use, veracity, exactness, exhaustivety and update of such contents

CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., will, in any case, not be held responsible of any damage or harm that could be derived from:

1. Lack of legality, trustworthy, use, veracity, exactitude, exhaustivety and / or actuality of the contents originated by third parties;

2. Inadequacy to any purpose and fraud of the expectations generated by the contents.

3. Decisions or actions taken or avoided by the side of the User trusting in the information or data supplied or provided in the Contents, including, with no limitation, the loss of benefits or commercial opportunities.

8.4. Warranties and responsibilities exclusion related to the links.

The Site provides users with linking technical terminals, directories and searching tools that will allow Users to access pages and / or Websites property to/or promoted by third parties.

CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., doesn’t test the content in said sites by the moment the link is established and it does so because of his good will that such contents comply with the applicable law.

Nevertheless, in no case, CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., will not take any responsibility, nor approve, nor take over the products, services, contents, information, data, files and any type of material existing tin such web sites and doesn’t control nor assume responsibility, approve or takes as own the continuous modifications of such materials.

CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., does not guarantee nor assume any kind of responsibility for damages and harms of any kind due to:

(A) Functioning, availability, access or continuity of the linked sites;

(B) Maintenance of information, contents and services existing in such sites in which by any mean they are linked to;

(D) Quality, lawfulness, trustworthiness, and use of the information, contents and services existing in the linked sites, in the same terms and the same reach that was established regarding the contents and services rendered by third parties through the Site.

In case it seems necessary or if required by court or administrative order, CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., will remove the links to those pages that don’t fulfill the proper law and / or damage the rights of third parties.

9. PROHIBITION OF UNSOLICITED COMMERCIAL COMMUNICATIONS MADE BY MAIL OR ELECTRONIC COMMUNICATION MEDIA: ANTISPAMMING

The Services or Contents provider forces itself NOT TO:

1. Collect any information on users with any advertising purpose, nor send advertising of any kind and communications with selling or other commercial purposes, without previous request or consent.

2. Send any unsolicited or not previously consented messages to a number of persons.

3. Send unsolicited nor previous consented electronic message chains.

4. Use distribution lists to which it can be access through the services.

5. Make available for third parties, with any purpose at all, information obtain from distribution lists.

10. ACTIONS IN CASE OF NON - FULFILLMENT

CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., keeps the right to exert all available right actions to demand responsibilities that are derived from the non-fulfillment of any of the dispositions in these General Conditions of Use of the Site by the User.

CRÉDITOS E INVERSIONES MEDITERRÁNEO, S. L., will be able to withdraw or suspend, at any time, and with no prior notice, the rendering of Services to those users that don’t fulfill the rules mentioned in this Legal Notice and Conditions of Use.

11. PARTIAL NULLITY

The declaration of any of these general conditions as null, invalid or inefficient will not affect the validity or efficacy of the remaining ones, that will be still bonding among the parties. The resignation by any of the parties to demand in a certain time the fulfillment of any of the general conditions hereby stated, does not imply a general resignation to the fulfillment of other condition or conditions, nor will it create a acquired right for the other part.

12. APPLICABLE LAW AND JURISDICTION

The serviced rendering of this site and the present General Conditions of Use of the Site are ruled by the Spanish Law and specially the 34/2002 Law, issued on July 11 of Information Society Services and Electronic Commerce, and concordant. As the law allows it, parties, with express resignation to any other jurisdiction that could be applicable, agree to submit themselves to the Courts and Judges of the City of Madrid (España)