Valqash
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Legal Notice

Last updated: 2026-01-22

1. Identifying Information

In compliance with the information duty set forth in Article 10 of Law 34/2002, of July 11, on Services of the Information Society and Electronic Commerce (LSSI-CE), the following data of the owner are provided:

  • Owner: Víctor Latorre
  • Tax ID (NIF): 49099283-X
  • Address: Avenida Universidad 7, Fuenlabrada, Madrid, Spain.
  • Contact Email: info@valqash.com
  • Trade Name: Valqash
  • Domain: https://valqash.com

2. Object and Description of the Service

Valqash is a Software as a Service (SaaS) platform designed for personal finance management. The tool allows users to manually record and manage their financial transactions for personal control, analysis, and savings purposes.

Essential features of the service:

  • Manual management: All financial data is entered exclusively by the user.
  • No bank connection: Valqash does not connect to banks or financial institutions. No real payments, transfers, or banking orders are executed.
  • Private use: The service is aimed exclusively at individuals for personal or couples' use, excluding professional use for freelancers or companies.

3. Terms of Use and Access

Access to Valqash is limited to persons over 18 years of age. By registering, the user guarantees that they are of legal age and that the information provided is truthful.

3.1. Registration and Authentication

To use the SaaS, registration via email and password is required. Authentication is managed externally by Firebase Authentication (Google). The user is responsible for the safekeeping of their credentials.

3.2. Business Model

Currently, the service is provided free of charge. However, the owner reserves the right to modify this model in the future, with the possibility of implementing a freemium system with subscription plans (monthly or annual) and advanced features.

4. Nature of Information and Recommendations

The information, analysis, and personalized recommendations offered by Valqash (regarding savings, expense control, or financial habits) are strictly for guidance and information purposes.

  • Not financial advice: Valqash does not offer investment advice or professional financial advisory services.
  • User responsibility: The user must review and verify information before making any economic decisions. Using the platform does not replace the user's own judgment or the advice of a qualified professional.

5. Disclaimer

The owner of Valqash provides a technological platform and is not responsible for:

  1. Accuracy of data: The user is solely responsible for the truthfulness and accuracy of the data they enter manually.
  2. Financial decisions: The owner assumes no responsibility for financial decisions, economic consequences, or losses derived from the use of the information contained in the SaaS.
  3. Conflicts between users: Regarding the "couples' finances" feature, the owner does not mediate or take responsibility for conflicts arising from accessing, editing, or viewing shared data between users.

6. Intellectual and Industrial Property

Víctor Latorre is the owner of all intellectual and industrial property rights of the website https://valqash.com , as well as the elements contained therein (software, source code, design, logos, text, etc.). Reproduction, distribution, or transformation of this content without express authorization is prohibited.

7. Data Protection and Cookies

The processing of personal data is governed by the provisions of our Privacy Policy.

  • External providers (Google/Firebase) with servers in the United States are used, which implies international data transfers regulated by standard contractual clauses.
  • Technical cookies are used for session operation, and analytical cookies (Google Analytics) are used, in addition to the reCAPTCHA security system.

8. Modifications

The owner reserves the right to make, without prior notice, any modifications deemed appropriate to the SaaS, including changing, deleting, or adding both the content and services provided and the way in which they are presented or located.

9. Applicable Law and Jurisdiction

For the resolution of all disputes or issues related to this website or the activities developed within it, Spanish legislation shall apply, to which the parties expressly submit. The Courts and Tribunals of Madrid (Spain) shall have jurisdiction over all conflicts derived from or related to its use, unless the law provides otherwise for consumers.