Legal information & policies

This page gathers FundRapido's legal documents and transparency policies. Last updated: 31 October 2026.

Language: this English version is provided for convenience. If there is any discrepancy, the Spanish version prevails.

Transparency

Company detailsFundRapido S.L. · CIF B88785233 · Barcelona How the product worksLegal nature, fee and repayment Security & dataWhat data we request and how we protect it How we assess a businessFactors and manual review ComplaintsHow to file a complaint Contactinfo [at] fundrapido.es

2. Privacy policy

This policy explains what personal data FundRapido S.L. processes, where it comes from, what we use it for, who we share it with and what your rights are. It applies to the fundrapido.es website, funding applications, the client and partner areas, and our relationship with the businesses we fund. It complies with Regulation (EU) 2016/679 (GDPR) and Spanish Organic Law 3/2018 on Personal Data Protection and Digital Rights (LOPDGDD).

2.1 Data controller and contact

  • Controller: FundRapido S.L., tax ID B88785233, Plaza Gal·la Placídia 11, Puerta 2, 08006 Barcelona (Spain).
  • Privacy contact: info [at] fundrapido.es (subject “Privacy”).

2.2 Who this policy covers

Our clients are companies and sole traders. “Your data” means the data of the individuals connected to the business: the sole trader, directors, shareholders and beneficial owners, signatories, people authorised to act for the business and contact persons. It also covers partners who refer clients to us and anyone who visits the website or writes to us.

If you give us data about other people (for example, other directors or shareholders), you must have informed them of this policy and have a lawful basis to share it with us.

2.3 What data we process and where it comes from

  • Data you give us when you apply: name, date of birth, address, email and phone; business data (name, tax ID, legal form, activity, sales, time trading); data on directors, shareholders and beneficial owners; bank statements and any documents you attach. Your ID/NIE is not asked for when you apply: it is verified at the contract stage, through the identity verification provider (KYC).
  • Data generated when you use the website and your area: login and account data, preferences, IP address, device and browser data, and security logs. Cookies are explained in the cookie policy.
  • Data you give us when you contact us: the content of your emails, forms and messages, and notes from our calls with you.
  • Data generated during the funding: the offer, the agreement and its electronic signature, collections and repayments, incidents and complaints.
  • Data we obtain from third parties: identity and document checks; sanctions and politically exposed persons (PEP) lists; public registers (Mercantile Register, BORME); credit and solvency files; and, if you authorise them, read-only connections to your bank or sales platforms. These connections cannot move money or change anything in your accounts.
  • Data a partner gives us: if a partner (for example, your accountant) refers you or prepares your application, they give us the data you have authorised them to share.

We do not ask for special categories of data (health, beliefs, etc.). Some data is needed to assess the application and comply with the law: without it we cannot offer you funding.

2.4 What we use your data for and on what legal basis

PurposeLegal basis
Assessing your application and preparing the offerPre-contractual steps at your request (art. 6.1.b GDPR)
Signing and managing the agreement: paying out the amount, collecting the agreed share of your sales, recovering outstanding amounts and customer servicePerformance of the contract (art. 6.1.b)
Verifying identity and beneficial ownership and preventing money laundering and terrorist financingLegal obligation (art. 6.1.c; Spanish Law 10/2010)
Meeting accounting and tax obligations and responding to authoritiesLegal obligation (art. 6.1.c)
Preventing fraud and protecting the security of the website and accountsLegitimate interest (art. 6.1.f)
Checking credit files and public registers to assess riskLegitimate interest (art. 6.1.f; art. 20 LOPDGDD)
Managing the relationship with the partner who referred you: telling them the status of your application and calculating their commissionLegitimate interest (art. 6.1.f) and, where needed, your consent
Analysing use of the website and improving our servicesLegitimate interest (art. 6.1.f); consent for non-essential cookies
Sending you marketing about our productsConsent (art. 6.1.a) or, if you are already a client, legitimate interest for similar products (art. 21.2 LSSI-CE). You can unsubscribe in every message
Defending our rights in claimsLegitimate interest (art. 6.1.f)

You can object at any time to processing based on legitimate interest (see 2.8).

2.5 Who we share your data with

  • Providers working on our behalf (processors), under contract and only with the data they need: hosting and cloud, email and messaging, electronic signature, identity verification and anti-money-laundering (KYC/AML), read-only bank connections (open banking), collections and payments, web analytics and customer support.
  • Banks and payment institutions involved in paying out the amount and collecting the agreed share of your sales.
  • Credit and solvency files (for example, ASNEF or RAI) where the law allows.
  • The partner who referred you or prepared your application: the status of the application and, if it is funded, the data needed to calculate their commission. We do not share your statements or documents with them.
  • Authorities and public bodies where required by law: SEPBLAC, the Spanish Tax Agency, the AEPD, courts, and law enforcement.
  • Professional advisers (auditors, lawyers) bound by confidentiality.
  • Investors or buyers in a corporate transaction (merger, sale, portfolio funding), with appropriate safeguards.

We do not sell your data. The current list of providers is available on request from the privacy contact.

2.6 Automated decisions (art. 22 GDPR)

The initial eligibility check (legal form, time trading and minimum sales) is automatic, based on the data you enter. The decision to offer you funding and its terms is always reviewed by a person on our team. In any case, you have the right to an explanation of the logic used, to request human intervention, to express your point of view and to challenge the decision by writing to the privacy contact.

2.7 How long we keep your data

  • For as long as our relationship lasts and, afterwards, for the limitation periods of any resulting claims (generally 5 years; art. 1964 Spanish Civil Code).
  • Identification and anti-money-laundering data: 10 years after the relationship ends (Law 10/2010).
  • Accounting and tax data: 6 years (art. 30 Spanish Commercial Code) or as required by tax law.
  • Applications not approved or not signed: 3 years, on legitimate interest, to handle claims and prevent fraud.
  • Marketing: until you withdraw your consent or object.

After these periods, we block the data as required by art. 32 LOPDGDD and delete it once it is no longer needed.

2.8 Your rights

You can exercise at any time your rights of access, rectification, erasure, restriction of processing, portability and objection, withdraw your consent without affecting earlier processing, and not be subject to decisions based solely on automated processing. Write to info [at] fundrapido.es (subject “Privacy”) with your name and the right you want to exercise. We only ask for extra documents if there is reasonable doubt about your identity. We reply within one month, extendable by two more months for complex requests, and we tell you in advance.

Some rights have legal limits: for example, we cannot erase data the law requires us to keep.

If you believe we have not handled your rights properly, you can complain to the Spanish Data Protection Agency (AEPD). We would appreciate it if you wrote to us first so we can try to resolve it.

2.9 International transfers

We process your data in the European Union whenever possible. If a provider accesses it from outside the European Economic Area, we only do so to countries with a European Commission adequacy decision or under standard contractual clauses approved by the Commission, with additional measures where needed. You can ask the privacy contact for a copy of these safeguards.

2.10 Security

We apply technical and organisational measures appropriate to the risk: encrypted connections, role-based access control, two-step verification for our team, activity logs, and read-only access for connections to your accounts. More detail in Security & data.

2.11 Minors

Our services are aimed at companies and sole traders. We do not knowingly process data of people under 18.

2.12 Changes to this policy

We may update this policy. The date of the latest version appears at the top of this page and, if the change is significant, we will tell you by email.

3. Cookie policy

This policy follows the LSSI-CE and the AEPD guide on cookies (July 2024).

3.1 Types of cookies we use

TypePurposeDurationConsent
Strictly necessarySession, language, CSRF securitySessionNot required
AnalyticsAggregated usage metrics13 monthsRequired
MarketingPersonalised advertising and attribution13 monthsRequired
PreferencesRemember the chosen language12 monthsNot required

3.2 Managing consent

You can accept, reject or configure cookies at any time from the initial banner or with this button:

Your choices are stored locally in your browser. To withdraw consent globally, you can also delete cookies in your browser settings.

4. Terms & conditions of service

These terms govern the use of the fundrapido.es website and the pre-contractual services we offer. The funding agreement is governed by its own specific contractual terms.

4.1 Purpose

FundRapido assesses applications for revenue-based funding from companies (legal entities) and sole traders. Submitting an application does not oblige FundRapido to provide funding; any offer is subject to assessment.

4.2 Conditions of use

  • Be a company (S.L., S.L.U. or S.A.) registered in Spain or a sole trader registered in Spain.
  • Use the funding for business or professional purposes.
  • Provide true and up-to-date information.

4.3 Limitation of liability

The information, calculators and simulations on the site are indicative and are not a binding offer. FundRapido is not liable for business decisions taken solely on the basis of these tools.

4.4 Changes

We may update these terms. The date of the latest version appears at the top of the page. Substantial changes will be emailed to registered users 30 days in advance.

4.5 Governing law and jurisdiction

Contractual relationships are governed by Spanish law. For any dispute, the parties submit to the Courts of Barcelona.

5. Responsible financing

At FundRapido we believe access to capital should be a tool for growth, not a burden. These are our public commitments.

5.1 Principles

  • Full transparency. A fixed fee and the total to repay, known before you sign.
  • No compound interest and no cost for delay.
  • No penalties for early repayment (the fee does not change).
  • If your sales fall, we talk to you to find a solution.
  • We use no artificial urgency and do not promise guaranteed approval.

5.2 Communication commitments

  • We will not use artificial urgency or aggressive timers.
  • We will not promise “100% approval” or “guaranteed funding”.
  • Every offer will clearly state the total cost and the terms.

6. Complaints

If something has not gone well, we want to know. Your complaint will be handled as follows.

6.1 Customer Service (SAC)

Email: reclamaciones [at] fundrapido.es
Post: SAC FundRapido S.L., Plaza Gal·la Placídia 11, Puerta 2, 08006 Barcelona.

Resolution time: 15 working days from receipt of the complaint. For complex complaints we may extend this to 1 month, telling you in advance.

6.2 What to include

  • Your name and tax ID / NIE / DNI.
  • Application number (APP-XXXX) or agreement number (FUNDL-XXXX), if any.
  • A description of the incident and the date.
  • What you are asking for.

6.3 Escalation

If you are not satisfied with the SAC’s response, you can complain to:

  • AEPD — for data protection matters: aepd.es
  • Courts of Barcelona — for contractual disputes.
We are here to help. Before filing a formal complaint, try writing to info [at] fundrapido.es.

7. About FundRapido

FundRapido is a Barcelona-based fintech company specialising in revenue-based financing for businesses in Spain.

7.1 Mission

To make growth capital accessible to businesses without giving up equity or tying their operations to fixed instalments that do not fit their reality.

7.2 Team

We will publish team information soon.

7.3 Contact