🔒 Privacy Policy

Personal Information You Provide

When you apply for a mortgage or use our services, we collect:

• Contact information (name, email, phone number, address)
• Financial information (income, employment, credit history)
• Identification documents (passport, NIE number)
• Property information (desired location, budget, property type)
• Any other information you provide in forms or communications

Information Collected Automatically

When you visit our website, we automatically collect:

• Device information (browser type, operating system)
• Usage data (pages visited, time spent, links clicked)
• IP address and location data
• Cookies and similar tracking technologies

We use your personal information to:

• Process your mortgage application: Submit to banks, negotiate terms, manage documentation
• Communicate with you: Respond to inquiries, provide updates, send important information
• Provide our services: Legal support, property guidance, mortgage advice
• Improve our services: Analyze usage patterns, enhance user experience
• Marketing: Send newsletters, updates, and promotional materials (with your consent)
• Comply with legal obligations: Meet regulatory requirements, prevent fraud

We Share Your Information With:

• Spanish Banks: To process your mortgage application
• Legal Partners: THARROS Legal services and associated lawyers
• Service Providers: Email services, analytics providers, payment processors
• Property Professionals: Real estate agents, notaries, appraisers (with your consent)
• Legal Authorities: When required by law or to protect our rights

⚠️ We NEVER sell your personal information to third parties.

We take data security seriously and implement appropriate technical and organizational measures to protect your personal information:

• Encrypted data transmission (SSL/TLS)
• Secure data storage with access controls
• Regular security assessments and updates
• Employee training on data protection
• Restricted access to personal information

However, no method of transmission over the internet is 100% secure. While we strive to protect your data, we cannot guarantee absolute security.

Under the General Data Protection Regulation (GDPR) and Spanish data protection laws, you have the following rights:

• Right to Access: Request a copy of your personal data
• Right to Rectification: Correct inaccurate or incomplete data
• Right to Erasure: Request deletion of your data (under certain conditions)
• Right to Restriction: Limit how we use your data
• Right to Data Portability: Receive your data in a structured format
• Right to Object: Object to processing for marketing purposes
• Right to Withdraw Consent: Withdraw consent at any time

To exercise any of these rights, contact us at info@tharrosbrokers.com

We use cookies and similar tracking technologies to:

• Remember your preferences and settings
• Understand how you use our website
• Improve website performance
• Deliver targeted advertising (with consent)
• Analyze traffic and user behavior

Types of Cookies We Use:

• Essential Cookies: Required for website functionality
• Analytics Cookies: Help us understand usage patterns (Google Analytics)
• Marketing Cookies: Used for advertising and retargeting
• Preference Cookies: Remember your settings

You can control cookies through your browser settings. Note that disabling cookies may affect website functionality.

We retain your personal information for as long as necessary to:

• Provide our services and fulfill contractual obligations
• Comply with legal and regulatory requirements (typically 7-10 years for financial records)
• Resolve disputes and enforce agreements
• Maintain accurate business records

After this period, we securely delete or anonymize your data.

Your information may be transferred to and processed in countries outside the European Economic Area (EEA). When we transfer data internationally, we ensure appropriate safeguards are in place, including:

• Standard contractual clauses approved by the European Commission
• Adequacy decisions by the European Commission
• Other legally approved transfer mechanisms

Our services are not intended for individuals under 18 years of age. We do not knowingly collect personal information from children. If you believe we have collected information from a child, please contact us immediately.

We may update this Privacy Policy from time to time. We will notify you of significant changes by posting a notice on our website or sending you an email. Your continued use of our services after changes are posted constitutes acceptance of the updated policy.

If you have questions about this Privacy Policy or wish to exercise your rights, please contact us:

THARROS Brokers
C/ CARLOS CERVERA, 14 BAJO
46006 VALENCIA, Spain

Email: tharrosgroup@gmail.com
Phone: +1-519-829-0717

If you have concerns about our data processing practices, you have the right to lodge a complaint with the Spanish Data Protection Authority (Agencia Española de Protección de Datos - AEPD).