Terms of use and privacy policy

ALCOCER&CO., is a registered commercial trademark. The managing partner Antonio Alcocer Fernández-Pinilla holds a degree in Industrial Engineering from the Universidad Pontificia de Comillas ICAI, and is registered as a member of the Ilustre Colegio Nacional de Ingenieros del ICAI, with ID number 3957/3187, member of the European Financial Planning Association EFPA  with ID number 5606 Spanish ID number: 53.109.809A.

a. Terms of use

ALCOCER&CO. (“ALCOCER&CO.” or “we”) provides its content on www.alcocerco.com (the “Site”) subject to the following terms and conditions (the “Terms”). We may periodically change the Terms, so please check back from time to time. These Terms were last updated on August 8, 2015. By accessing and using this Site, you agree to these Terms.

a.1. Copyrights

All content and functionality on the Site, including text, graphics, logos, icons, and images and the selection and arrangement thereof, is the exclusive property of ALCOCER&CO. or its licensors and is protected by U.S. and international copyright laws. All rights not expressly granted are reserved.

a.2. Trademarks

The trademarks, service marks, designs, and logos (collectively, the “Trademarks”) displayed on the Site are the registered and unregistered Trademarks of ALCOCER&CO. and its licensors. You agree that you will not refer to or attribute any information to ALCOCER&CO. or its licensors in any public medium (e.g., press release, websites) for advertising or promotion purposes, or for the purpose of informing or influencing any third party and that you will not use or reproduce any Trademark of, or imply any endorsement by or relationship with, ALCOCER&CO. or its licensors.

a.3. Use of site content

ALCOCER&CO. hereby grants you a non-exclusive, non-transferable license for the term hereof to access and download, display, and print one copy of the content and functionality displayed on the Site (the “Site Content”) on any single computer solely for your internal, business use, provided that you do not modify the Site Content in any way and that you retain all copyright and other proprietary notices displayed on the Site Content. You may not otherwise reproduce, modify, distribute, transmit, post, or disclose the Site Content without ALCOCER&CO’s prior written consent.

a.4. User postings

You acknowledge and agree that ALCOCER&CO. shall own and have the unrestricted right to use, publish, and otherwise exploit any and all information that you post or otherwise publish on the Site in postings, survey responses, and otherwise, and you hereby waive any claims against ALCOCER&CO. for any alleged or actual infringements of any rights of privacy or publicity, moral rights, or rights of attribution in connection with ALCOCER&CO.’s use and publication of such submissions. You covenant that you shall not post or otherwise publish on the Site any materials that (a) are threatening, libelous, defamatory, or obscene; (b) would constitute, or that encourage conduct that would constitute, a criminal offense, give rise to civil liability, or otherwise violate law; (c) infringe the intellectual property, privacy, or other rights of any third parties; (d) contain a computer virus or other destructive element; (e) contain advertising; or (f) constitute or contain false or misleading statements. ALCOCER&CO. does not and cannot review all information posted to the Site by users and is not responsible for such information. However, ALCOCER&CO. reserves the right to refuse to post and the right to remove any information, in whole or in part, for any reason or for no reason.

a.5. Notices of infringement and takedown by ALCOCER&CO.

ALCOCER&CO. prohibits the posting of any information that infringes or violates the copyright rights and/or other intellectual property rights (including rights of privacy and publicity) of any person or entity. If you believe that your intellectual property right (or such a right that you are responsible for enforcing) is infringed by any content on the Site, please write to ALCOCER&CO. at the address shown below, giving a written statement that contains: (a) identification of the copyrighted work and/or intellectual property right claimed to have been infringed; (b) identification of the allegedly infringing material on the Site that is requested to be removed; (c) your name, address, and daytime telephone number, and an e-mail address if available; (d) a statement that you have a good faith belief that the use of the copyrighted work and/or exercise of the intellectual property right is not authorized by the owner, its agent, or the law; (e) a statement that the information in the notification is accurate, and, under penalty of perjury, that the signatory is authorized to act on behalf of the owner of the right that is allegedly infringed; and (f) the signature of the intellectual property right owner or someone authorized on the owner’s behalf to assert infringement of the right. McKinsey will remove any posted submission that infringes the copyright or other intellectual property right of any person under Spanish law upon receipt of such a statement.

a.6. Disclaimers

THE CONTENT AND FUNCTIONALITY ON THE SITE IS PROVIDED WITH THE UNDERSTANDING THAT ALCOCER&CO. IS NOT HEREIN ENGAGED IN RENDERING PROFESSIONAL ADVICE AND SERVICES TO YOU. ALL CONTENT AND FUNCTIONALITY ON THE SITE IS PROVIDED “AS IS,” WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE. ALCOCER&CO. AND ITS THIRD-PARTY CONTENT PROVIDERS MAKE NO WARRANTIES, EXPRESS OR IMPLIED, AS TO THE OWNERSHIP, ACCURACY, OR ADEQUACY OF THE SITE CONTENT. ALCOCER&CO. SHALL HAVE NO LIABILITY OR RESPONSIBILITY FOR ANY INFORMATION PUBLISHED ON LINKED WEBSITES, CONTAINED IN ANY USER SUBMISSIONS PUBLISHED ON THE SITE, OR PROVIDED BY THIRD PARTIES. NEITHER ALCOCER&CO. NOR ITS THIRD-PARTY CONTENT PROVIDERS SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES OR FOR LOST REVENUES OR PROFITS, WHETHER OR NOT ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES AND REGARDLESS OF THE THEORY OF LIABILITY.

a.7. Third-party websites

We may provide links to third-party websites, and some of the content appearing to be on this Site is in fact supplied by third parties, for example, in instances of framing of third-party websites or incorporation through framesets of content supplied by third-party servers. ALCOCER&CO. has no responsibility for these third-party websites, which are governed by the Terms of Use and privacy policies, if any, of the applicable third-party content providers.

8. Governing law; jurisdiction

These Terms are governed by the laws of the State of Madrid, Spain without reference to the principles of conflicts of laws thereof.

b. Privacy policy

ALCOCER&CO.  (“ALCOCER&CO.”, “us” or “we”) understands that your privacy is important to you. ALCOCER&CO. is committed to respecting your privacy and protecting your personally-identifiable information, being any information that is capable of identifying you as an individual person, as you use this Site. The scope of ALCOCER&CO.’s commitment is described in this Privacy Policy. By submitting personally-identifiable information, you consent to ALCOCER&CO.’s use of such personally-identifiable information as described herein.

b.1. Is personally-identifiable information disclosed to third parties?

ALCOCER&CO. shall not intentionally disclose or transfer (and shall take reasonable steps to prevent the unauthorized or accidental disclosure of) your personally-identifiable information to third parties (i.e., persons or entities that are not affiliates of ALCOCER&CO.) without your consent, whether for such third parties’ marketing purposes or otherwise, except as follows. ALCOCER&CO. may provide access to your personally-identifiable information to third party vendors engaged by ALCOCER&CO. to provide services related to the Site; provided that such vendors will first agree to maintain the strict confidentiality of such information and provide the same level of data security as provided by ALCOCER&CO. ALCOCER&CO. may also be compelled to surrender personal user or customer information to legal authorities without express user consent if presented with a court subpoena or similar legal order, or as required or permitted by the laws, rules, and regulations of any applicable jurisdiction. Also, in the event of a violation of the Terms of Use of or any other terms on this Site, including but not limited to a violation of any restrictions on use of materials provided in or through this Site, ALCOCER&CO. may disclose personal user information to affected parties and legal authorities in furtherance of potential or on-going legal proceedings.

b.2. How can I access, change, and/or delete information?

You may access, correct, update, and/or delete any personally-identifiable information that you submit to the Site. You may also unsubscribe from mailing lists or any registrations on the Site. To do so, please either follow instructions on the page of the Site on which you have provided such information, subscribed or registered or contact us at the address provide at the bottom of this Privacy Policy.

b.3. Consent; changes to privacy policy

By using the Site, you consent to the collection, use, and storage of your information by us in the manner described in this Privacy Policy and elsewhere on the Site. We reserve the right to make changes to this Privacy Policy from time to time. We will alert you to any such changes by updating this Privacy Policy. This Privacy Policy was last updated on August 8, 2015.

b.4. Contact our privacy department

If you have any questions about our Privacy Policy or if you require any assistance in navigating or reading the materials on this Site, please contact us at:

ALCOCER&CO. Legal Department. Telephone: +34 630.706.954. email: aafp@alcocerco.com