Legal Notice

Website owner

In compliance with Article 10 LSSI, you are informed that the owner of inversionnpl.com and of the InversionNPL platform is:

• Company name: ORENES & ASOCIADOS ABOGADOS-CONSULTORÍA LEGAL, S.L.P.
• Tax ID (CIF): B05560313
• Registered office: Avenida de la Libertad 5, 1.º A, 30009 Murcia (Spain)
• Registration details: Professional company registered in the Commercial Registry of Murcia.
• Email: [email protected]
• Telephone: +34 606 31 13 56
• Regulated profession: Legal practice subject to the General Statute of the Spanish Legal Profession (Royal Decree 135/2021) and the Code of Professional Ethics of the Legal Profession, under the Illustrious Bar Association of Murcia.

Trademarks and trade names used: InversionNPL, Orenes Fund and Orenes Property Fund, all belonging to the same owner.

Purpose and nature of the activity

InversionNPL is an information and intermediation technology platform that publishes, on behalf of their owners, opportunities in non-performing mortgage loans (NPLs), foreclosure sale rights, auction agreements and properties, and provides analysis and training services and, in the plans that include it, legal services from the owning law firm itself.

Mortgage loans and credits and NPL portfolios are not financial instruments for the purposes of MiFID II or Law 6/2023 on Securities Markets. The marketing of credit assignments does not require CNMV authorisation; InversionNPL is not registered with the CNMV as an entity authorised to provide investment services, is not a collective investment undertaking and does not manage third-party funds. The intermediation activity is carried out subject to consumer, data protection and anti-money-laundering rules.

The information on the Platform is for information purposes only. It does not constitute personalised financial, tax or legal advice or an investment recommendation. Any investment in NPLs involves risk, including the total or partial loss of capital.

Conditions of access and use

Access to the public pages is free of charge. Access to the catalogue and the tools requires registration and acceptance of the Terms of Use and the General Terms and Conditions, available on this site. Users undertake to make lawful use of the Platform and not to carry out actions that damage, overload or impede its normal operation.

Intellectual and industrial property

All content on the site (texts, design, code, images, trademarks, databases) is owned by InversionNPL or by third parties who have authorised its use, and is protected by intellectual and industrial property law. Reproduction, distribution or transformation without authorisation is prohibited, except for the personal use provided for in the Terms of Use.

Advertising and artificial intelligence

The commercial communications we send are identified as such. Promotional content published on social media is identified as advertising in accordance with Law 13/2022 on Audiovisual Communication and Royal Decree 444/2024. Content generated or assisted by artificial intelligence (texts, images, videos and the virtual assistant) is identified as such in accordance with Article 50 of Regulation (EU) 2024/1689.

Liability and links

InversionNPL does not guarantee permanent availability of the site or the absence of errors in content from third parties, and is not responsible for the content of external sites to which it links. Nothing above limits liability for wilful misconduct or gross negligence or consumers' non-waivable rights.

Accessibility

We work to make the Platform accessible following the WCAG 2.1 level AA guidelines. If you encounter an accessibility barrier, write to us at [email protected] and we will fix it.

Complaints and dispute resolution

Customer service and complaints: [email protected] · +34 606 31 13 56. We respond within a maximum of 15 working days and have official complaint forms of the Region of Murcia for consumers who request them.

Consumers may turn to consumer services and the Consumer Arbitration Boards of their autonomous community. InversionNPL has not adhered to any alternative consumer dispute resolution scheme. The European online dispute resolution platform ceased operating on 20 July 2025.

Governing law and jurisdiction

This legal notice is governed by Spanish law. For consumers, the competent court is the one determined under procedural and consumer law. For professional users, the parties submit to the Courts and Tribunals of Murcia.

Data protection: see the Privacy Policy and the Cookie Policy. You may lodge a complaint with the Spanish Data Protection Agency (www.aepd.es).