Last Updated: September 29, 2026
1. Website Owner
This website, Payoff Strategy, accessible at:
is operated by:
Name: Miguel Hernandez Lopez
Tax Identification Number (NIF): 54008084J
Address: Calle Venus, [Street Number], Torrejón de Ardoz, Madrid, [Postal Code], Spain
Email: contacto@payoffstrategy.com
2. Purpose of the Website
Payoff Strategy is an informational and educational website focused on topics including debt payoff, debt management, credit, budgeting, and personal finance.
The content published on this Website is intended for general informational and educational purposes.
Payoff Strategy does not provide individualized financial, investment, legal, tax, accounting, credit, or debt-relief advice.
3. Financial Information Disclaimer
The information provided on Payoff Strategy is not a substitute for advice from a qualified financial, legal, tax, accounting, credit, or other professional.
Your financial circumstances are unique, and information published on this Website may not be appropriate for your specific situation.
Payoff Strategy does not guarantee that any particular strategy, method, recommendation, calculation, or information will eliminate debt, improve your credit score, save money, or produce any particular financial result.
For additional information, please review our Financial Disclaimer.
4. Intellectual Property
Unless otherwise stated, all original content published on Payoff Strategy, including text, articles, graphics, logos, website design, layout, and other materials, is owned by or licensed to Payoff Strategy.
The content is protected by applicable intellectual property and copyright laws.
You may access and use Website content for personal and non-commercial purposes, subject to applicable law.
Any reproduction, distribution, modification, republication, commercial exploitation, or substantial copying of Website content without prior written permission is prohibited unless otherwise permitted by law.
5. External Links
Payoff Strategy may contain links to websites, services, products, or resources operated by third parties.
These links are provided for informational or convenience purposes and do not necessarily constitute an endorsement or recommendation.
Payoff Strategy does not control third-party websites and is not responsible for their content, accuracy, availability, security, privacy practices, or terms.
Users should review the applicable policies and terms of any third-party website they access.
6. Advertising and Affiliate Relationships
Payoff Strategy may display third-party advertising and may participate in affiliate programs.
Where applicable, Payoff Strategy may receive compensation when users click certain links, purchase products or services, or complete qualifying actions through affiliate links.
Any applicable affiliate relationships or sponsored content will be disclosed in accordance with applicable laws and regulations.
The presence of advertising or affiliate links does not guarantee that any advertised or linked product or service is suitable for a particular user.
7. Website Availability
We make reasonable efforts to keep Payoff Strategy available and operating properly. However, we do not guarantee that the Website will always be available, uninterrupted, secure, or free from errors.
We reserve the right to modify, suspend, restrict, or discontinue any part of the Website or its content at any time.
8. Limitation of Responsibility
To the fullest extent permitted by applicable law, Payoff Strategy and Miguel Hernandez Lopez are not responsible for losses or damages arising from:
- reliance on information published on the Website;
- decisions made based on Website content;
- errors or omissions in Website content;
- interruptions or unavailability of the Website;
- third-party websites, products, or services; or
- transactions or interactions between users and third parties.
Nothing in this Legal Notice excludes or limits any liability that cannot legally be excluded or limited under applicable law.
9. Personal Information and Privacy
The collection and processing of personal information through this Website is governed by our Privacy Policy.
For more information about cookies and similar technologies, please review our Cookie Policy.
10. Terms of Use
Use of this Website is also governed by our Terms of Service.
By accessing or using Payoff Strategy, users agree to comply with the applicable terms and policies governing the Website.
11. Applicable Law
To the extent applicable, this Website and its operation are subject to the laws of Spain.
The application of mandatory consumer protection, privacy, or other laws that may apply to users in their jurisdiction is not excluded by this Legal Notice.
12. Contact
For questions regarding this Website or this Legal Notice, please contact:
Payoff Strategy
Miguel Hernandez Lopez
NIF: 54008084J
Address: Calle Venus, [Street Number], Torrejón de Ardoz, Madrid, [Postal Code], Spain
Email: contacto@payoffstrategy.com
Website: https://payoffstrategy.com