Privacy Policy
Last updated: 2 July 2026
This Privacy Policy explains how Daniel González Fernández, trading as Hipoteca 100 Málaga (“we”, “us”), collects and processes your personal data when you use this website or contact us about a mortgage for foreigners in Spain.
1. Data Controller
- Controller: Daniel González Fernández
- Tax ID (NIF): 27780215N
- Address: C. Alejandro Dumas, 17, Carretera de Cádiz, 29004 Málaga, Spain
- Email: dgonzalez@hipoteca-100.es
- Phone: +34 617 91 75 48
2. Purpose of Processing
We process your data to:
- Respond to enquiries submitted via our contact form, phone, email, or WhatsApp
- Assess your eligibility for a non-resident or foreign-buyer mortgage in Spain
- Provide mortgage brokerage services and communicate with Spanish banks on your behalf
- Comply with legal obligations applicable to mortgage intermediaries registered with the Banco de España
3. Legal Basis (GDPR)
- Consent: when you submit the contact form and accept this policy
- Pre-contractual measures: to prepare your free mortgage study at your request
- Legitimate interest: to respond to direct enquiries and manage our business relationship
- Legal obligation: where required by financial or tax regulations
4. Data We Collect
Depending on how you contact us, we may collect: full name, email, phone/WhatsApp number, and any details you include in your message (such as country of residence, tax residency, or property budget), plus any documents you voluntarily provide for your mortgage application.
5. Recipients & Processors
Your data is handled securely and is not sold to third parties. We may share information only when necessary with:
- Spanish banks and financial institutions involved in your mortgage application
- Technology providers that help us operate this website (e.g. form delivery via Web3Forms, hosting)
- Public authorities when required by law
6. International Transfers
If you contact us from outside the EU/EEA, your data may be processed in Spain and within the EU. Where third-party tools process data outside the EU, appropriate safeguards (such as Standard Contractual Clauses) apply where required.
7. Retention
We retain enquiry data for as long as necessary to respond to your request and, if you proceed with our services, for the duration of the business relationship and applicable statutory periods (typically up to 6 years for financial documentation under Spanish law).
8. Your Rights
Under the GDPR and Spanish Organic Law 3/2018 (LOPDGDD), you may request access, rectification, erasure, restriction, portability, and objection to processing. You may also withdraw consent at any time and lodge a complaint with the Spanish Data Protection Agency (AEPD).
To exercise your rights, email dgonzalez@hipoteca-100.es.
9. Security
We apply appropriate technical and organisational measures to protect your personal data against unauthorised access, loss, or alteration.
10. Changes
We may update this policy to reflect legal or operational changes. The latest version will always be published on this page.