This legal notice regulates the use and utilization website www.quibus.cat / www.quibus.es, Which holds CONSULTORÍA FINANCIERO ACTUARIAL, SLP  (hereinafter, THE OWNER OF THE WEB).

Sailing on the website of THE OWNER OF THE WEB attributed the condition on user himself and carries his acceptance of full and unreserved acceptance of each n and each of the conditions published in this legal notice, warning that such conditions could to change without notification on prior by THE OWNER OF THE WEB, in which case proceed to their publication notice the maximum previous possible.

It is therefore advisable to read this notice carefully if wish to access and use the information and services offered via this website.

User besides, it is obliged to make proper use of the website in accordance with the laws, good faith, the public order, uses traffic uses and this Legal Notice, and respond to vs. THE OWNER OF THE WEB or against third parties for any damages that may be caused by breach of this obligation.

Any utilization is other than that authorized to expressly prohibited and may THE OWNER OF THE WEB deny or withdraw access and use at any time.

  1. ID

THE OWNER OF THE WEB, in compliance with Law 34/2002 of 11 July, Services Information Society e-commerce, informed that:

  • Its CIF is B61642906
  • Its registered office is at: C / Avinguda Josep Tarradelles 38 – 08029 – BARCELONA
  • Register of Barcelona, ​​Volume 31045, Page 38, Page B 184143, Registration 6

To contact us, we put at your disposal different contact means detail bellow:

  • Tel: 932840478
  • Email: info@quibus.es

All notices and communications between users and owner of the WEB be considered effective, for all purposes, when they are made through any means details above.


The website and its services are free access. However, OWNER OF THE WEB can condition the utilization of some of the services offered on its website prior to the complementation the corresponding form.

The user guarantees the authenticity and timeliness of all data communicated OWNER OF THE WEB and he will be the only responsible for any false or inaccurate statements made.

The user expressly agrees to make appropriate use of content and services OWNER OF THE WEB and not to use include:

  1. Disseminate criminal, violent, pornographic, racist, xenophobic, offensive, justifying terrorism or, in general, contrary to law or public order content.
  2. Introduce computer viruses or any proceedings which may alter, damage, interrupt or generate errors or damage to electronic documents, data or physical and logical systems OWNER OF THE SITE or third parties; and hinder access of other users to the website and its services through mass consumption of computing resources through which OWNER OF THE WEB lends his services.
  3. Trying to access the email accounts of other users or restricted areas of the computer systems OWNER OF THE WEB or third parties and, where applicable, extract information.
  4. Violate the rights of intellectual property and violating the confidentiality of the information owner of the website or third parties.
  5. Impersonating another user.
  6. Reproduce, copy, distribute, make available, or any other form of public communication, transform or modify the contents, unless you have obtained the authorization of the corresponding rights or it is legally permitted.
  7. Collect data for advertising purposes and to transmit any kind of publicity and communications for sale or other commercial without any prior request or consent.

All website content, including text, photographs, graphics, images, icons, technology, software, as well as graphic design and source codes, are a work whose property belongs to OWNER OF THE WEB, without user implied assignment of any rights of exploitation rights beyond what is strictly necessary for the correct use of the web.

In short, users who access this website may view the contents and effect, if any, authorized private copies provided that the elements reproduced are not subsequently transferred to third parties or installed in network-connected servers, nor are they the object of any type of exploitation.

Likewise, all trademarks, trade names or logos of any kind appearing on the website are owned by OWNER OF THE WEB, may not be construed that the use or access to the user any right conferred on them.

The distribution, modification, cession public communication of the contents and any other act not expressly authorized by the holder of the rights of exploitation is prohibited.

The establishment of a hyperlink does not imply the existence of relations between OWNER OF THE WEB and the owner of the website which is established, nor the acceptance and approval by OWNER OF THE WEB of its contents or services.

OWNER OF THE WEB is not responsible for any use that each user gives to the materials made available on this website or its proceedings based on them.


The content of this website is a general nature and is for informational purposes only, without access to all content, not fully guarantee its completeness, nor its completeness, validity or currency, or suitability or fitness for a target specific.

OWNER OF THE WEB excludes, to the extent permitted ordering legal, any liability for damages of any kind arising from:

  1. Inability to access the website or the lack of truthfulness, accuracy, completeness and / or timeliness of the content and the existence of faults and defects of any kind of content transmitted, distributed, stored, made available to the that you have accessed through the website or services offered.
  2. The presence of viruses or other elements in the contents that can produce alterations in computer systems, electronic documents or user data.
  3. Failure to comply with the laws, good faith, public order, traffic and uses this legal notice because of misuse of the website. In particular, and exemplary, OWNER OF THE WEB is not responsible for the actions of third parties that violate the rights of intellectual property, trade secrets, rights to honor, personal and family privacy and image mode and the rules on unfair competition and illegal advertising.

Also, OWNER OF THE WEB disclaims any responsibility for the information that is outside of this website and not directly managed by our webmaster. the function of the links that appear on this website is solely to inform the user about the existence of other sources likely to expand the content offered by this website. OWNER OF THE WEB neither guarantees nor is responsible for the operation or accessibility of linked sites; or suggest, invite or recommend a visit to them, so either be to responsible for the results. OWNER OF THE WEB not responsible for the establishment of hyperlink by third parties.


If any user or third party considers that there are facts or circumstances revealing the illicit character from the utilization of any content and / or realization of any activity on the web pages included or accessible through website, must submit a notification identifying OWNER OF THE WEB and specifying the alleged violations.


The administrative information provided through the website does not replace the legal publicity of laws, regulations, plans, general provisions and acts which must be formally published in the official journals of public administrations, which are the only instrument that attests to their authenticity and content. the information available on this website should be understood as a guide without purpose legal validity.


The present conditions are governed by Legislation Spanish current.

The language used will be Spanish or Catalan.