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Terms and Conditions of Use of the Application

These Terms and Conditions regulate the download, access and use of the RiskcoPortfolio application (hereinafter, the "APPLICATION"), that SERFIEX, S.A. makes available to users on the internet and through mobile devices.

This version of the APPLICATION is available for free.

Access to the APPLICATION means that the user acknowledges that he has accepted and consented without reservation of these conditions of use.


The APPLICATION has the objective of providing investors with the return and risk of their aggregate portfolio and monthly recommendations for portfolio rebalancing.

n the design and development of this APPLICATION, specialized professionals and a group of users participated in the trial period.

The APPLICATION is made available to users for their personal (never business) use.

It works on a IOs and Android mobile phone.


The intellectual and industrial property rights over the APPLICATION are the property of SERFIEX, S.A., corresponding to the exclusive exercise of the rights of exploitation of the same in any form and, especially, the rights of reproduction, distribution, public communication and transformation.

The third holders of intellectual and industrial property rights over photographs, logos, and any other symbols or contents included in the APPLICATION have granted the corresponding authorizations for their reproduction, distribution and making available to the public.

The user acknowledges that the reproduction, modification, distribution, commercialization, decompilation, disassembly, use of reverse engineering techniques or any other means to obtain the source code, transformation or publication of any test results of unauthorized references of any of the elements and utilities integrated within the development constitutes an infringement of the intellectual property rights of SERFIEX, SA, obliging itself, consequently, not to perform any of the aforementioned actions.


The company responsible for the processing of your data is Serfiex.

Serfiex takes the protection of your privacy and your personal data very seriously. Therefore, your personal information is kept secure and treated with the utmost care.

In accordance with the provisions of the applicable regulations on data protection, and specifically in Regulation (EU) 2016/679 of the European Parliament and of the Council, of April 27, 2016, regarding the protection of natural persons in Regarding the processing of personal data and the free circulation of these data, each User consents that the personal data provided be incorporated into a file owned by Serfiex and will be kept for the duration of the contractual relationship object of the use of the APPLICATION, with the only objective to facilitate the introduction of improvements in future versions of the APPLICATION.

We inform you that your personal contact data will be used for the following purposes:

Periodic communications of the products, services, contests and promotions of Serfiex SA and its group.

Users have the right to (i) access their personal data, as well as (ii) request the rectification of inaccurate data or, where appropriate, request its deletion, (iii) request the limitation of the processing of your data, (iv) oppose the processing of your data and (v) request its portability. Users can exercise all these rights at the following email address info@serfiex.es stating the reason for their request.

SERFIEX, S.A. may use the personal information that you provide in a dissociated way (without personal identification) for internal purposes, such as the compilation of statistics. The APPLICATION may collect, store or accumulate certain non-personal information regarding its use.

SERFIEX, S.A. reserves the right to make, at any time and without prior notice, modifications and updates in the APPLICATION. Likewise, it also reserves the right to modify these Terms and Conditions in order to adapt them to possible legislative changes and changes in the APPLICATION itself, as well as those that may derive from the existing types codes in the matter or for reasons strategic or corporate.

Users can also send their request by ordinary mail to the following address: Serfiex, SA calle Almagro 26. 28010 Madrid.

Without prejudice to any other administrative appeal or legal action, the user shall have the right to submit a claim to a Control Authority, in particular in the Member State in which he has his habitual residence, place of work or place of the alleged infringement, in If you consider that the processing of your personal data is not appropriate to the regulations, as well as in the case of not seeing the exercise of your rights satisfied.

The Control Authority before which the claim has been filed will inform the claimant about the course and result of the claim.

For more information, you can consult Serfiex privacy policy through the following link: http://riskcoportfolio.com/PrivacyPolicy


SERFIEX, S.A. reserves the right to edit, update, modify, suspend, eliminate or terminate the services offered by the Application, including all or part of its content, without prior notice, as well as to modify the form or type of access to it.

The possible causes of modification may take place, for reasons such as their adaptation to possible legislative changes and changes in the application itself, as well as those that may derive from the existing types codes in the matter or for strategic or corporate reasons.

SERFIEX, S.A. will not be responsible for the use of the APPLICATION by a minor, being the download and use of the APPLICATION of the exclusive responsibility of the user.

The APPLICATION is provided "as is" and without any kind of guarantee. SERFIEX, S.A. is not responsible for the final quality of the APPLICATION or that it serves and complies with all the objectives of the same. Notwithstanding the foregoing, SERFIEX, S.A. is committed to the extent of its possibilities to contribute to improving the quality of the APPLICATION, but can not guarantee the accuracy or the topicality of the content of the same.

The responsibility for the use of the APPLICATION corresponds only to the user. Except as provided in these Terms and Conditions, SERFIEX, S.A. is not responsible for any loss or damage that occurs in connection with the download or use of the APPLICATION, such as those produced as a result of failures, breakdowns or blockages in the operation of the APPLICATION (for example, and without limitation: error in the communications lines, defects in the hardware or software of the APPLICATION or failures in the Internet network). Likewise, SERFIEX, S.A. Neither will he be responsible for the damages produced as a result of an improper or inappropriate use of the APPLICATION by the users.


Access codes

The user will complete and send the Registration Form which will include a valid and in use email account (hereinafter, "Id") and a password (hereinafter, "Password") between 6 and 20 characters and composed by at least one number and one letter. Both constitute the "Access codes".

Once the "Access Codes" have been entered, the User, within a maximum period of 48 hours, must access the mailbox of the communicated email account and validate its registration. The registration process will not be considered finalized until the registration is validated within the established term.

The user will be responsible for all the actions he performs with his Access Keys. It undertakes to make diligent use and not to make its Access Keys available to third parties. The User is solely responsible for those activities carried out on the Portal through the use of their Access Codes.

The user may request the withdrawal at any time, previously communicating it to Serfiex at least seven (7) calendar days prior to the time the withdrawal is effective, through any means provided that it is reliably accredited. identity and date.


In no case shall Serfiex be liable to the user or third parties for any damage, including any loss of benefits, loss of savings, the use of the APPLICATION being at the user's risk and chance.

The user is responsible for the selection of the APPLICATION that allows obtain the desired results, and in this regard:

  1. Serfiex does not guarantee that the APPLICATION meets the needs of the user.
  2. Serfiex does not guarantee that certain particularly adverse movements of the financial markets are within the appraisal and control objectives of the APPLICATION.

In any case Serfiex is not responsible for the use of its conclusions and recommendations by the user or third parties.


The user accepts that the applicable legislation and the Courts and Tribunals competent to hear the divergences arising from the interpretation or application of this clause are the Spanish, and submits, expressly waiving any other jurisdiction, to the courts and tribunals nearest to the city of MADRID.