Legal notice

Last updated: 19 October 2026

1. Website owner

In compliance with article 10 of Spanish Law 34/2002, of 11 July, on Information Society Services and Electronic Commerce (LSSI-CE), the identifying details of the owner of this website are set out below:

  • Company name: Premium Color & Gold International, S.L.
  • Trade name: IPAyments – International Payments Advisory
  • Tax identification number (NIF): B87651410
  • Registered office: Cerro de Álamos Blancos 45, 28035 Madrid, Spain
  • Commercial Registry: Registered at the Commercial Registry of Madrid, volume 35200, folio 20, section 8, sheet M-632949, entry 1, dated 10 October 2016.
  • Email: clientes@ipa-yments.com
  • Telephone: +34 629 938 862
  • Website: www.ipa-yments.com

2. Purpose

This legal notice governs access to, browsing of and use of the website www.ipa-yments.com (the “Website”). Browsing the Website confers the status of user and implies full acceptance of every provision of this legal notice in the version published at the time of access. If you do not agree with its content, please do not use the Website.

The owner reserves the right to amend this legal notice at any time in order to adapt it to applicable legislation or to changes in the Website. Any amendment takes effect from the moment it is published.

3. Nature of the services

IPAyments provides independent advisory services on international payments and currency management.

IPAyments is not a credit institution, a payment institution, an electronic money institution or a crypto-asset service provider. It does not hold client funds, does not execute payment transactions and does not carry out currency exchange on its own account. Those services are provided by duly authorised and supervised third-party entities, with which the client enters into a direct contractual relationship and whose own terms and conditions apply.

The content published on the Website is informative in nature. It does not constitute investment advice, tax advice or legal advice, nor a binding offer of financial services. Any figures, savings estimates, settlement times or examples shown are indicative, depend on the volume, currency, corridor and market conditions of each transaction, and do not amount to a guaranteed result.

4. Conditions of use

The user undertakes to use the Website and its contents in accordance with the law, this legal notice, public order and good faith, and to refrain from using them for unlawful purposes, in a way that harms the rights or interests of third parties, or in any manner that may damage, disable or impair the Website or prevent its normal use.

The user undertakes to provide truthful information in any form made available on the Website and to keep it up to date, and is responsible for the information submitted.

5. Intellectual and industrial property

All contents of the Website – including, without limitation, texts, photographs, graphics, images, icons, software, trade names, trade marks, designs and distinctive signs – are the property of Premium Color & Gold International, S.L. or of third parties who have authorised their use, and are protected by intellectual and industrial property law.

Access to the Website does not grant the user any right of ownership over its contents. Their reproduction, distribution, public communication, transformation or any other form of exploitation, in whole or in part, is prohibited without the prior written authorisation of the owner.

6. Liability

The owner takes reasonable care to ensure that the information published on the Website is accurate and up to date, but does not warrant that it is free from errors or omissions, nor that it is complete at all times. Regulatory frameworks applicable to international payments and to crypto-assets change over time, and the information published may not reflect the most recent amendments.

The owner shall not be liable for decisions taken on the basis of the information published on the Website without prior individual advice, nor for damage arising from interruptions, viruses, technical faults or unavailability of the Website, except where such damage results from its own wilful misconduct or gross negligence.

7. Links to third-party websites

The Website may contain links to websites operated by third parties, including the booking calendar used to arrange meetings. Those links are provided solely for convenience. The owner does not control those websites and accepts no liability for their content, their privacy practices or the services they offer. Access to them is at the user’s own risk and is governed by the terms and privacy policies of the relevant third party.

8. Protection of personal data

The processing of personal data collected through the Website is governed by the Privacy policy. The use of cookies and similar technologies is governed by the Cookie policy.

9. Applicable law and jurisdiction

This legal notice is governed by Spanish law.

For the resolution of any dispute arising from access to or use of the Website, the parties submit to the courts of the city of Madrid, expressly waiving any other jurisdiction that may apply. This submission does not affect the rights of users who act as consumers, who may bring proceedings before the courts designated by the applicable consumer protection legislation.