Website Terms & Conditions
Last Updated: 1 January 2026
1. Introduction
These Website Terms & Conditions govern your access to and use of the website operated by Chad Harwood-Jones (Autónomo, NIE Y4531092Z), trading as Baleario (“Baleario”, “we”, “us”, “our”).
By accessing or using this website, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use this website.
2. Legal Identity
Baleario operates as a Spanish registered autónomo (self-employed professional).
Chad Harwood-Jones
NIE: Y4531092Z
Margalida Caimari 24
07005 Palma
Balearic Islands
Spain
hola@baleario.com
+34 871 510 055
3. Nature of Website Content
All information provided on this website is for general informational purposes only.
Nothing on this website constitutes, or should be relied upon as:
- Legal advice
- Tax advice
- Financial advice
- Investment advice
- Mortgage approval, credit approval, or lending guarantee
Professional advice is only provided following formal written engagement and acceptance of Baleario’s Client Engagement Terms & Conditions.
You should not rely on website content as a substitute for personalised professional advice.
4. Professional Services
Baleario provides services including, but not limited to:
- Accounting and bookkeeping
- Tax compliance and advisory
- Cross-border financial consulting
- Mortgage introduction and coordination services
All professional services are governed separately under Baleario’s Client Engagement Terms & Conditions.
5. Mortgage Broking and Credit Intermediation
Mortgage broking services referenced on this website are fulfilled by Russell Clements, who is registered with the Bank of Spain under registration number D675.
Baleario acts solely as an introducer where appropriate. Regulated mortgage advice, credit assessment, and intermediation services are provided independently by Russell Clements in accordance with applicable Spanish financial regulations.
Baleario does not directly provide regulated credit intermediation or mortgage lending services.
6. No Client Relationship
Use of this website, submission of contact forms, or communication via email or telephone does not create a client relationship.
A client relationship is only formed once a formal engagement has been agreed in writing.
7. Intellectual Property
All content on this website, including text, branding, logos, graphics, documents, and materials, is the property of Baleario unless otherwise stated.
You may not copy, reproduce, distribute, modify, or use any content without prior written consent.
8. Limitation of Liability
To the fullest extent permitted by law, Baleario shall not be liable for:
- Any indirect, incidental, or consequential loss
- Loss of profits, income, or business opportunity
- Decisions taken based on website content
- Errors or omissions in website information
- Third-party services or content linked from this website
Use of this website is at your own risk.
9. External Links
This website may contain links to third-party websites. Baleario does not control and is not responsible for the content, accuracy, or privacy practices of external sites.
Access to third-party websites is at your own risk.
10. Data Protection
Personal data submitted through this website is processed in accordance with our Privacy Policy and applicable Spanish and European Union data protection laws, including the General Data Protection Regulation (GDPR).
11. Changes to These Terms
We reserve the right to update or modify these Terms at any time. Any changes will be published on this page with a revised “Last Updated” date. Continued use of the website following any update constitutes acceptance of the revised Terms.
12. Governing Law and Jurisdiction
These Terms are governed by the laws of Spain.
Any disputes arising from or relating to these Terms or use of this website shall be subject to the exclusive jurisdiction of the courts of Palma de Mallorca, Spain.