Tu Salud Financiera empieza ahora

The following notice and legal information (referred to below as “the Legal Notice”) regulates the use of the service of the website www.onness.io (hereinafter “the Website”) whereby Onness Tech S.L (hereinafter “Onness”) enables internet users to access

The website is owned by Onness with its place of business on Calle Alonso Cano 67, 2803 in Madrid

We will not ask for any sensitive information (ethnicity, race, health, etc.)

We will not share any information with your employer

All of the data is held securely in our systems

Your coach will not personally hold any of your data

If you’re no longer happy for us to keep your information, we will delete your account and all associated data.

Providing relevant guidance is only possible if you provide us with accurate and complete information about your circumstances and objectives.

If you decide to limit the information you provide Onness, it could affect the suitability of the guidance we give.

Similarly, by using the Onness platform you agree to provide true, fair and accurate information. If your information changes at any time, please email us at support@onness.io to let us know.

We want to provide you with the best possible service so it’s important for you to understand what we can and can’t do. We can give you financial guidance but not advice.

Guidance is an impartial service which will help you to identify your options and narrow down your choices but will not tell you what to do or which product to buy; the decision is yours.

As providers of guidance, we are responsible for the accuracy and quality of the information we provide but not for any decision you make based on it.

Our guidance will suggest what you could do, and is not a recommendation of what you should do.

provide guidance (i.e. providing general information, rather than recommendations) to you;

gather general information to inform any generic advice to you;

carry out market surveys and sectoral analysis;

make one-off introductions that are not part of an ongoing and pre-existing arrangement;

recommend that you do not borrow more than they can afford;

recommend that you explore the pros and cons of different debt solutions;

give a balanced, neutral, factual explanation of the way that various types of investments or debt solutions work.

Provide advice to you on the merits of a particular investment;

Make comments or value judgement on a particular type of investment;

Give investments a star rating based on whether the investment is good value;

Suggest you seek advice or assistance from another firm where there are pre-existing arrangements in place between Onness and the firm;

Negotiate the terms of an investment / transaction for you;

Act as an intermediary for you in the context of an investment taking place;

Recommend that you enter into a debt management plan.

Information submitted through our app or website - for example, when you sign up to the app and provide details such as your name and email address, or details we collect about how you use the app and website

Information you give us through Onness messaging chat

Information you share with your coach which is logged in notes, objectives or actions within the platform

Information which is tied to your usage or settings on your device- for example, the mobile network you use, your IP address or operating system

Information you give us explicit permission to access from your device such as your address book, photos, geolocation and data from your camera

Information from any online account that you share with us

Answers you give to surveys about Onness and our services

Recordings of your coaching session. To ensure that your Coach is complying with their obligations, we will carry out ongoing monitoring and compliance case checks which may involve a member of the Onness compliance team reviewing video recordings and/or written communications.

Information passed to us from your employer such as your name and email address

Operating system and mobile network to analyse performance and bug issues

IP address and ID

Location to help protect you against fraud

The phone number or email address you are reaching out to us on and the content of the conversation or mail

Provide our services including financial guidance and coaching

Help manage your account

Track, analyse and improve the services we provide you and other customers (our online platform, coaching service and customer service)

Prevent illegal activities like money-laundering and fraud

Market and communicate our products and services and those of affiliated partners where we think these will be of interest to you. You can always unsubscribe from receiving these if you want to, by email and via the app.

confirm your identity when you sign up or get in touch

investigate and resolve complaints and other issues

for training and monitoring and to ensure that the service we provide to you meets your needs and our standard of care

anyone who works for us, including but not limited to our financial coaches

certain organisations that support our product

certain authorities to detect and prevent terrorism (including authorities outside Spain) if one of your payments is processed through a worldwide payment system

anyone who you give us explicit permission to share it with or if we must disclose your personal data to comply with the law, or to enforce our Terms and Conditions or other agreements; or to protect the rights, property, or safety of us, our customers, or others

The Right to be informed. In other words, you have the right to know how your data is collected and used. This is what this document is for, but also you can always email us at support@onness.io to clear anything up.

The Right of Access. You guessed it - you have the right to ask for, and receive, a copy of the personal data we hold about you.

The Right to Rectification. Basically, if something is wrong we will change it.

The Right to Erasure. Simple - we will delete whatever you want us to delete.

The Right to Restriction of Processing. This is an alternative method to erasing your data - you can ask to restrict any usual processing of your data. This could mean moving it to a separate system so it doesn’t go through our normal processes.

The Right to Data Portability. If you ever want to use the data that we hold for something else, then you can.

The Right to Object. You’re always able to object to any of the ways we handle your data. Just let us know.

The Right to Avoid Automated Decision-Making. This is a little more complex but essentially, a computer (with no human interaction) will never make decisions about you without your prior consent.

We won’t share identifiable personal data with third parties for their direct marketing unless you have given us explicit permission

We will only keep your personal information for only as long as we need to. We’ll then delete it securely and safely

There may be times when you give us sensitive information on your own accord, such as your information on your health. We’ll only use this information in strict accordance with the law.