ES | CA | EN | RUS |  中文
Facebook SF AbogadosTwitter SF AbogadosLinkedin SF AbogadosInstagram SF AbogadosTelegram SF Abogados uses cookies

We use our own and third-party cookies to obtain statistical data on the navigation of our users in order to improve our services. If you continue browsing, we consider that you accept their use. You can configure the use of cookies from your browser. Learn more

I understand

Cookies Policy

 SFT SERVICIOS JURIDICOS S.L.P., uses own and third party cookies to obtain browsing data of our users in order to offer quality services and provide a better browsing experience and to identify technical problems that may appear on the web. Likewise, if you give your prior consent through your browsing, we will use cookies, which allow us to obtain more information about your preferences and to customize our website based on your individual interests.

In accordance with Article 22.2nd of the Law 34/2202, of July 1st, of Services of the Information Society and Electronic Commerce (hereinafter E-commerce Law), this website informs you about its Cookies Policy.


Cookies are small data files that are downloaded in your computer and other communication devices which store information that will be saved in your browser. Cookies enable a page or website, among other issues, to retain and recover digital files about users browsing habits or any kind of devices, allowing the user to recognize different parameters and information about itself.

The user will be able to modify their browsing preferences at any time to block or disable cookies installation such in case of website accessing.


The website may use third-party services that collect information for three mainly reasons:

  • Statistical process control
  • To personalize the users´ experience on our website and;
  • For the provision of services related to the above ones and other internet operations.

In particular, this website uses Google Analytics (hereinafter Google), a methodical web service issued by Google, Inc., a corporation with principal place of business at 1600 Amphitheatre Parkway, Mountain View (California), CA, Zip Code 94043, USA. For the current provision of services, this company uses collecting cookies that retain different kinds of data information, included, among others, the users´ IP address, that will be processed, stored and transmitted by Google, under its legal notice Including possible transmission of such information to third parties for legal reasons or when such third parties process information on Google´s behalf.


To provide an optimal service, this website also uses the following cookies: 

  • Technical cookies: Are those that allows the user to browse through a website, platform or application,as well as the use of different options or services therein as, for example, the traffic control and data communication, the session identification, the restricted access parts norms, to carry out the purchase process of an order, the registration application or participation in an event, to use security elements during browsing and to store content for video or sound broadcasting or to share content through social media.
  • Personalization cookies: This type of cookie allows the user to access at the provide service with some predefined general characteristics based on its terminal criteria and preferences, such as the language or kind of browser through which they are connecting to our website.
  • Analytical cookies: Enabled by ourselves or by third parties,this type of cookies leads us to quantify the number of users to perform a measurement and statistical analysis of its activity. Due to this, we analyze your browsing on our website in order to improve the products or services that we offer.
  • Advertising cookies: This type of cookies, enabled by ourselves or by third parties, allows us to manage more efficiently the offer of advertising spaces on the website, adapting the ad content to the one of the requested service or to the users´ website activity. As a result, we can analyze your browsing background on the internet and show you banner ads related to your browsing profile.
  • Behavioral advertising cookies: Are those that allows the advertising spaces management as efficiently as possible, in which case, the editor has included on the website, application or platform where the requested service is provided. This type of cookie stores the behavioral data of users through the continuous observation of its browsing habits, which allows the development of a specific profile to show ads based on that information.


You can permit, block or delete the cookies installed on your computer through the configuration options of your browser.

Google Chrome:

  1. Click on the “menu” icon.
  2. Select “configuration”.
  3. Select “advanced configuration”.
  4. Select “privacy”.
  5. Select “configuration of content”.
  6. Choose the relevant function:
    1. To allow the storage of local data.
    2. To keep the local data until you quit the browser.
    3. Do not allow data to be saved from the sites.
    4. Block other sites´ data and the third party cookies.
  7. Once the option is selected, click “ready”.

Internet Explorer:

  1.  Click the “home” icon.
  2. Select “internet options” in the “tools” menu.
  3. Select “privacy”.
  4. Select “configuration”.
  5. Select the desired option and click “accept”.

Microsoft Edge (Explorer 10):

  1. Click the “plus” icon.
  2. Select “configuration”.
  3. Select “advanced configuration”.
  4. Select “cookies” in “Privacy and services”.
  5. Select the desired option in the drop-down menu.


  1. Click the “menu” icon.
  2. Select “options”.
  3. Select “privacy”.
  4. Select the desired option in the drop-down menu.


  1. Click “safari”.
  2. Select “preferences”.
  3. Select “privacy”.
  4. Select “cookies and website data”.
  5. Select the desired option between the available ones.


Please take note that if you delete or block all cookies from this website, it is possible that part of it will not work correctly or the website quality may be affected.

The aforementioned cookie-information is not used to identify you individually and the pattern data is fully under our control. These cookies are not used for any other purpose than those hereinbefore described.

If you need more information about our Cookies Policy, you can contact us through our connecting tools. We also recommend that you check the websites of each browser for more information.

We use own and third-party cookies to obtain statistical data of the users´ browsing and to improve our services. If you accept or continue browsing, it shall be considered that you accept their use. You can get further information “here”.


Tuesday, 17 April 2018 08:52

FinTech entities in Spain and Europe: news

The Internet has conquered the life of the world and has put most human activities within reach of one click. The traditional financial system has also received the impact and has been shaken by this digital revolution. The FinTech entities are one of the consequences of these transformations.


The term FinTech comes from the union of two words: "finance and technology". Designates companies and services that enable financial operations using cutting-edge technology.

Traditional financial companies, including banks, are slowly replacing their physical offices with the FinTech system. In this way and although still a small sector of users does not end up agreeing, in general the public receives these changes with pleasure.

With these new systems, transfers and displacements are avoided and waiting times are shortened. Users now have the bank at home or in their own office; all you need is a computer, smartphone, tablet or any device connected to the internet.


In addition to banks, there are other FinTech entities widely used in Europe. In most of the European countries, and in Spain in particular, the most developed are:

  • Transaction platforms and online payments
  • Online loan platforms
  • IT security companies
  • Entities dedicated to collective investments
  • Financial advisory and wealth management companies

These types of companies are reinventing the financial world. They have created a new business paradigm that is imposed on the market; investors are putting the focus on this type of FinTech companies, as their value grows rapidly.


The detractors of the FinTech system make their voices heard in Spain and throughout Europe. They argue that the legislation has fallen behind, so these new companies are not regulated. According to his arguments, it is a case of unfair competition with traditional companies, which must comply with a strict regulatory framework.

These kinds of reasons can find basis in reality. The FinTech system is not regulated with the same thoroughness as the traditional financial market. The real advantage is that, lacking a complete regulation, the processes are simpler and cheaper and the prices more competitive.


The Joint Committee of the European Supervisory Authorities recognizes risks in the implementation of the FinTech system. According to said Committee, the deterioration of business conduct and the number of cyber attacks is increasing.

At the same time, states are advised to build regulatory frameworks that guarantee consumer protection. In Europe these councils have not yet fully materialized, although in some countries some standards are gradually emerging.


Spain moves at a slow pace in the FinTech innovations, if we compare with other European countries. The competent Spanish authorities have established a communication channel, so that financial institutions can be informed about the legal norms that are applicable in this matter.

For their part, the FindTech entities have created the Spanish Association FindTech and Insurtech. Its purpose is to promote the advantages of this system and collaborate with state agencies.

The FindTech system is a global phenomenon, therefore, international collaboration is necessary for a secure regulation of the system and to offer all guarantees to the parties involved, organizations, entities and users.

Writings SF Lawyers