Expat Guide: Moving To Spain From The US

Moving To Spain From The US
Moving To Spain From The US-EXPAT GUIDE

I. Introduction

A: Why Spain is an attractive destination for expats

Spain is a beautiful country for US expats who are looking for a new home. With its sunny weather, rich history, and diverse culture, it has everything to offer. From the lively streets of Barcelona to the stunning beaches of Costa del Sol. Spain is a place where you can taste delicious tapas , explore historic landmarks, and immerse yourself in a vibrant lifestyle. Whether you’re drawn to the laid-back lifestyle, the world famous cuisine, or the mesmerizing architecture, Spain has something for everyone.

street_of_barcelona

B: Overview of the content

In this article, I will dive into the details of moving to Spain from the US. I will cover Complete expat guide: from research to settling in. You’ll learn about the visa options, housing and accommodation, and the healthcare system.

You will learn about employment, taxes, and adapting to Spanish culture. We will also help you experience the rich culture, tasty cuisine, and colorful festivals of Spain. So, get ready to embark on this exciting journey as we unveil the ultimate expat guide to moving to Spain from the US.

II. Preparing for the Move

A. Researching the Destination

  • Overview of Spain’s culture, language, and regions
  • Understanding the cost of living in different cities
  • Researching job opportunities and employment prospects

Before takin’ the leap, it’s important to do some thorough research about the destination. Start by getting’ an overview of Spain’s

Culture, Language, Cost Of Living, Place to Live, Place to Visit. Each region has its own unique charm and customs to explore.

Next, make sure to understand cost of living in various cities across the country. Its good to know which cities might be more affordable and which ones might have a higher cost of living.

Last, take time to research job opportunities and employment in Spain. Understand the job market and identify sectors where you may find promising’ career prospects. Proper research will help you make informed decisions as you prepare to move to Spain.

  1. Exploring visa options for expats
  2. Gathering necessary documents and requirements
  3. Applying for a visa and the application process
Visa and Legal Requirements

Navigating visa and legal requirements is a crucial step when planning’ your move to Spain. Start by exploring the different visa options available for expats.

Schengen or tourist visa

A maximum of 90 days can spent in Spain.

Work visa

If you have a job offer or contract from a Spanish company.

Student visa

A study or internship in Spain for more than 90 days is required.

Depending’ on your specific circumstances. Once you have identified the right visa, gathering’ the necessary documents and requirements is the next step.

A Spain visa application in the United States requires the following documents:

  1. Application form completed and signed with a blue pen.
  2. Valid passport that is not older than 10 years.
  3. Two biometric photos in line with Spain requirements.
  4. Two copies of passport pages with info.
  5. Flight reservation.
  6. Proof of accommodation.
  7. Medical insurance.
  8. Medical certificate.
  9. Proof of enough financial means.

It’s important to carefully review the specific requirements for your chosen visa category.

Finally, when you are ready, you can proceed with applying’ for the visa and go through the applicant process. This may involve filling’ out forms, scheduling appointments, and providing’ the required documentation. Be prepared for possible wait times and follow any extra instructions from the embassy or consulate.

Proper navigating’ the visa and legal requirements will set you on the right path towards makin’ your move to Spain a reality.

anyexpat's Spain expat services for expatriates who living abroad

C. Housing and Accommodation

  1. Overview of Spain’s housing market
  2. Renting vs. buying a property in Spain
  3. Finding a suitable neighborhood and housing options
See also  Taxes In Spanish Income: Impuesto Sobre la renta

When it comes to housing and accommodation in Spain, there’s lot to consider. Let’s start with an overview of Spain’s diverse housing market.

As per Spanish national institute of statistics market growing since 2014, houses sale up by 18.4% in 2021.

And average house prices up by 5.3% same year compared to previous year.

You’ll find a range of options, from apartments in bustling cities to quaint villas in picturesque coastal towns.

Next, you’ll need to decide whether renting or buying a property suits your needs. Renting provides flexibility, while buying offers a long-term investment.

Consider factors such as budget, duration of stay, and future plans. Once you’ve made a decision, it’s time to find a neighborhood. Each neighborhood has its own unique charm and amenities.

So take the time to research and visit potential areas. Consider factors such as proximity to amenities, transportation, safety, and community vibe. Finding’ the perfect balance between location, budget, and your personal preferences will ensure you find a place to call home in Spain.

Spain
Partner
Alicante, Valencian Community, Spain
Area:
63 m2
Pricing
Rent To Buy
EUR150,000
Spain
Partner
Alicante, Valencian Community, Spain
Area:
1080 m2
Pricing
Rent To Buy
EUR595,000
Quiet cul-de-sac location in Javea.
Spain
Partner
Alicante, Valencian Community, Spain
Area:
1399 m2
Pricing
Rent To Buy
EUR395,000

D. Moving Logistics

  1. Planning the logistics of your move
  2. Hiring a moving company or handling the move yourself
  3. Shipping belongings and customs regulations

When it comes to moving to Spain, planning logistics is a crucial step. Plan your move meticulously, considering dates, travel, and paperwork. Consider factors like transportation, accommodation during the move, and any special requirements.

Once ye’ve got a plan in place, you need to decide whether you’ll hire a moving company or handle the move yourself. Hiring a moving company can save your time and effort, but you’ll need to research and select a reliable provider. But, if ye choose to handle the move yourself, prepare for the extra responsibilities and tasks.

See also  Opening a Bank Account in Spain For Expats

One of the important aspects of moving is shipping your belongings. Understand the customs regulations and requirements for importing goods into Spain. Research shipping’ options and consider factors like cost, timeframes, and insurance. By takin’ care of the moving’ logistics, you can ensure a smoother transition to your new home in Spain.

We connect you with the top professionals in the region to streamline your move

III. Settling In Spain From US

Once you’ve made the move to Spain from the US, settling in becomes the next adventure. There are a few key areas you need to consider to make your transition smoother.

A. Healthcare and Insurance

  1. Understanding Spain’s healthcare system
  2. Registering for public or private healthcare
  3. Obtaining expat health insurance

When it comes to healthcare and insurance in Spain, there are a few important factors to consider.

First, make sure ye understand Spain’s healthcare system. Explore public healthcare coverage: doctors, hospitals, emergency services. Learn what it takes to register and get a health card, which will give you access to benefits under the public healthcare system.

Consider private healthcare for added benefits and shorter wait times. If ye choose this route, you’ll need to research and select a suitable private health insurance plan.

Finally, consider obtaining’ expat health insurance to provide extra coverage during’ your time in Spain.

Expat health insurance can offer peace of mind and financial protection. covering a range of medical expenses and emergencies. Ensure proper medical care and support in Spain by navigating the healthcare system and obtaining insurance coverage.

B. Navigating Daily Life

  1. Opening a bank account and managing finances
  2. Getting a Spanish mobile phone plan
  3. Transportation options and getting around Spain

Once you’ve settled in Spain, navigating daily life becomes a top priority.

First, consider opening a bank account to manage your finances.

Research local banks and choose one that suits your needs. Setting up an account will allow you to handle transactions, pay bills, and manage your money more effectively.

Second, getting a Spanish mobile phone plan is essential for staying connected. Compare providers for data, calls, and coverage. Select a plan that fits your communication needs and budget.

Third, understand the transportation options available to you for getting around Spain.

Research local transportation: buses, trains, metros. Routes, schedules, tickets. Explore vehicle ownership or ride-sharing options based on preferences and needs. By navigating daily life in Spain, ye’ll feel more integrated into the local community and enjoy a smoother experience as an expat.

C. Education and Childcare

  1. Overview of the education system in Spain
  2. Enrolling children in schools or international schools
  3. Finding childcare services and after-school activities

D. Learning the Language

  1. Importance of learning Spanish as an expat
  2. Language learning resources and courses
  3. Immersion techniques and local language communities

As an expat in Spain, learning the Spanish language holds great importance. Its not only helps you communicate with locals, but also enhances your experience in the country. Understanding and speaking’ Spanish opens doors to new friendships, cultural understanding and opportunities.

Begin your language journey by exploring resources and courses. Adapt learning styles with online platforms, language apps, or formal classes. Immerse yourself in Spanish music, movies, and books to learn the language.

Find local language communities to practice speaking with native speakers. Join language exchange groups and events to boost fluency. Embrace learning Spanish and connect with the local culture on a deeper level.

See also  Real Estate Buying Guide for Marbella

IV. Working and Business Environment

When it comes to working and the business environment in Spain, there are several aspects to consider.

A. Job Market and Opportunities

  1. Overview of the job market in Spain
  2. Finding employment as an expat
  3. Starting a business or freelancing in Spain

In the realm of Spain employment landscape, an array of factors needs careful consideration. begin by getting an overview of the current job market conditions.

Research flourishing industries and required skills. Abundant opportunities lie within the realms of tourism, hospitality, and technology. As an expatriate, securing employment in Spain may need an active and resourceful approach.

Utilize online platforms to find job vacancies. Customizing your curriculum vitae and cover letter to align with local expectations is essential.

Deliberate attending job fairs and networking events to establish connections with prospective employers. Or, delve into the prospect of initiating your own enterprise or embarking on a freelance career. Familiarizing yourself with the initial steps to settle in Spain and comprehending the legal prerequisites is crucial. Acquire valuable insights and support from local experts and entrepreneurial communities.

To get a job in Spain you need to get a citizenship of European union or European Economic Area. if you are a non EU person you need to obtain a work and resident visa.

online websites that seeking employees in Spain

Timexjobs

Thinkspain

B. Taxation and Financial Considerations

  1. Understanding the Spanish tax system
  2. Tax obligations for expats working in Spain
  3. Seeking professional advice for financial matters

Understand Spanish tax framework for financial considerations. Keep up to date yourself with the different types of taxes, such as income tax, value-added tax (VAT), and property tax. Grasp the applicable tax rates, exemptions, and deductions tailored to your particular circumstances. As an expatriate in Spain, you will be subject to tax responsibilities that need fulfillment.

Research the necessary requirements for tax registration and filling your tax returns. Consider tax treaties between Spain and your home country. Stay informed and seek professional expertise to manage taxes and finances while working in Spain.

Furthermore financial matters is advisable to seek professional advice for managing your finances effectively. Find a reliable financial advisor for investment and retirement planning. Stay informed and seek professional expertise for efficient tax and financial management while working in Spain.

C. Cultural Etiquette and Business Customs

  1. Spanish work culture and business etiquette
  2. Building professional relationships in Spain
  3. Networking and business events

Understand Spanish cultural etiquette and business customs for successful professional relationships. Understand Spanish cultural etiquette and business customs for successful professional relationships. Be prepared for a relaxed approach to timing and don’t be surprised if meetings start a bit later than scheduled.

Show respect by using formal titles in business interactions. Build trust and connections in Spain through casual conversations and getting to know colleagues and business partners personally. Network in the Spanish business environment by attending events, conferences, and meet-ups to connect with professionals in your field.

Be prepared to exchange business cards, as they are often exchanged during introductions. Build strong professional relationships by showing genuine interest and appreciating Spanish culture. Thrive in Spain business landscape by understanding and adapting to its cultural etiquette and customs.

Conclusion

in this article ” Expat Guide: Moving To Spain From The US we tried to provide a comprehensive roadmap for any US citizen considering a move to Spain. This guide helps individuals transition smoothly by providing essential information and insights for relocation. Additionally, we sheds light on essential aspects such as healthcare, education, language learning, and work opportunities, ensuring that expats are well-prepared to navigate their new lives in Spain.

Some More Articles You May Like Reading

We are Showing these articles on basis of the above article that you just read :)

Staying healthy in Athens ?

🌿 Staying Healthy in Athens? Start with Genelabs. 🇬🇷 Are you living or working in Athens and need reliable, affordable, and fast medical check-ups? This

Terms

  • You agree to post 5x per day the link to the real estate group for your chosen country. This should always be done in response to threads where you can reasonably post the link. (As and when Webinars become available sharing them in place of linking to the group is preferred)
  • You agree to record each post (When payments become due, you will need to show that you posted 25x in previous week) and so should take a screenshot of each post as you go.
  • You agree to contact companies that join and post in the group, introducing our partners link https://anyexpat.com/partners in order for us to quickly find new partners
  • You agree to remove spam as you happen upon it.
  • After 36 months you have the right to renew at 0 cost and at 25%. This is conditional on the following

    When asked to present screenshots for deals, you are able to do so and miss no more than 9x deals through the entirety of the agreement. This means that the work required to grow the network is being done consistently.

AnyExpat Will:

Send you 25% of all revenue generated via the following sources:

  1. Facebook Groups
  2. BLOG articles (GOOGLE SEARCH). Partner companies agree to blog for us as part ot their deal
  1. COMPANY SIGN-UP FEES, These typically range from 300GBP to 1000gbp you will take 25% and be paid on the day that AnyExpat receives the sign-up fee (*affiliate sign ups are excluded.)
  2. Back End Fees Typically we earn 25% of companies’ gross fees, Companies report monthly the outcomes of all referrals You will earn 25% of the total fees sent to AnyExpat ltd for the entire country excluding clients generated by our affiliates. Payments may include
    • Commissions on Real Estate Sales
    • Mortgage Services
    • Legal Services Accounting
    • 4. Financial Advisory and Wealth Management services
Make you a moderator in the groups for the selected country

OUR AFFILIATE SYSTEM  This is a bonus if you happen to have your own audience. You will be automatically approved to our affiliate system allowing you to earn 25% on any fees generated from your own audience (i.e. your own Facebook Profile, Twitter or you own website etc)

The agreement will run for 3 years from the day that you make the initial payment date

After 36 months you have the right to renew and at 0 cost at 25%. This is conditional on the following

When asked to present screenshots for deals, you are able to do so and miss no more than 9x deals through the entirety of the agreement. This means that the work required to grow the network is being done consistently.

Selling Terms And Conditions

OVERVIEW

This website is operated by AnyExpat Ltd. Throughout the site, the terms “we”, “us” and “our” refer to AnyExpat Ltd. AnyExpat Ltd offers this website, including all information, tools and services available from this site to you, the user, conditioned upon your acceptance of all terms, conditions, policies and notices stated here.

By visiting our site and/ or purchasing something from us, you engage in our “Service” and agree to be bound by the following terms and conditions (“Terms of Service”, “Terms”), including those additional terms and conditions and policies referenced herein and/or available by hyperlink. These Terms of Service apply  to all users of the site, including without limitation users who are browsers, vendors, customers, merchants, and/ or contributors of content.

Please read these Terms of Service carefully before accessing or using our website. By accessing or using any part of the site, you agree to be bound by these Terms of Service. If you do not agree to all the terms and conditions of this agreement, then you may not access the website or use any services. If these Terms of Service are considered an offer, acceptance is expressly limited to these Terms of Service.

Any new features or tools which are added to the current store shall also be subject to the Terms of Service. You can review the most current version of the Terms of Service at any time on this page. We reserve the right to update, change or replace any part of these Terms of Service by posting updates and/or changes to our website. It is your responsibility to check this page periodically for changes. Your continued use of or access to the website following the posting of any changes constitutes acceptance of those changes.

Our store is hosted on Shopify Inc. They provide us with the online e-commerce platform that allows us to sell our products and services to you.

SECTION 1 – ONLINE STORE TERMS

By agreeing to these Terms of Service, you represent that you are at least the age of majority in your state or province of residence, or that you are the age of majority in your state or province of residence and you have given us your consent to allow any of your minor dependents to use this site.

You may not use our products for any illegal or unauthorized purpose nor may you, in the use of the Service, violate any laws in your jurisdiction (including but not limited to copyright laws).

You must not transmit any worms or viruses or any code of a destructive nature.

A breach or violation of any of the Terms will result in an immediate termination of your Services.

SECTION 2 – GENERAL CONDITIONS

We reserve the right to refuse service to anyone for any reason at any time.

You understand that your content (not including credit card information), may be transferred unencrypted and involve (a) transmissions over various networks; and (b) changes to conform and adapt to technical requirements of connecting networks or devices. Credit card information is always encrypted during transfer over networks.

You agree not to reproduce, duplicate, copy, sell, resell or exploit any portion of the Service, use of the Service, or access to the Service or any contact on the website through which the service is provided, without express written permission by us.

The headings used in this agreement are included for convenience only and will not limit or otherwise affect these Terms.

SECTION 3 – ACCURACY, COMPLETENESS AND TIMELINESS OF INFORMATION

We are not responsible if information made available on this site is not accurate, complete or current. The material on this site is provided for general information only and should not be relied upon or used as the sole basis for making decisions without consulting primary, more accurate, more complete or more timely sources of information. Any reliance on the material on this site is at your own risk.

This site may contain certain historical information. Historical information, necessarily, is not current and is provided for your reference only. We reserve the right to modify the contents of this site at any time, but we have no obligation to update any information on our site. You agree that it is your responsibility to monitor changes to our site.

SECTION 4 – MODIFICATIONS TO THE SERVICE AND PRICES

Prices for our products are subject to change without notice.

We reserve the right at any time to modify or discontinue the Service (or any part or content thereof) without notice at any time.

We shall not be liable to you or to any third-party for any modification, price change, suspension or discontinuance of the Service.

A flat rate of 20% is due on all sales is retained by AnyExpat Ltd, this includes postage costs so price your items to consider this.

SECTION 5 – PRODUCTS OR SERVICES (if applicable)

Certain products or services may be available exclusively online through the website. These products or services may have limited quantities and are subject to return or exchange only according to our Return Policy.

We have made every effort to display as accurately as possible the colors and images of our products that appear at the store. We cannot guarantee that your computer monitor’s display of any color will be accurate.

We reserve the right, but are not obligated, to limit the sales of our products or Services to any person, geographic region or jurisdiction. We may exercise this right on a case-by-case basis. We reserve the right to limit the quantities of any products or services that we offer. All descriptions of products or product pricing are subject to change at anytime without notice, at the sole discretion of us. We reserve the right to discontinue any product at any time. Any offer for any product or service made on this site is void where prohibited.

We do not warrant that the quality of any products, services, information, or other material purchased or obtained by you will meet your expectations, or that any errors in the Service will be corrected.

SECTION 6 – ACCURACY OF BILLING AND ACCOUNT INFORMATION

We reserve the right to refuse any order you place with us. We may, in our sole discretion, limit or cancel quantities purchased per person, per household or per order. These restrictions may include orders placed by or under the same customer account, the same credit card, and/or orders that use the same billing and/or shipping address. In the event that we make a change to or cancel an order, we may attempt to notify you by contacting the e-mail and/or billing address/phone number provided at the time the order was made. We reserve the right to limit or prohibit orders that, in our sole judgment, appear to be placed by dealers, resellers or distributors.

You agree to provide current, complete and accurate purchase and account information for all purchases made at our store. You agree to promptly update your account and other information, including your email address and credit card numbers and expiration dates, so that we can complete your transactions and contact you as needed.

For more detail, please review our Returns Policy.

SECTION 7 – OPTIONAL TOOLS

We may provide you with access to third-party tools over which we neither monitor nor have any control nor input.

You acknowledge and agree that we provide access to such tools ”as is” and “as available” without any warranties, representations or conditions of any kind and without any endorsement. We shall have no liability whatsoever arising from or relating to your use of optional third-party tools.

Any use by you of optional tools offered through the site is entirely at your own risk and discretion and you should ensure that you are familiar with and approve of the terms on which tools are provided by the relevant third-party provider(s).

We may also, in the future, offer new services and/or features through the website (including, the release of new tools and resources). Such new features and/or services shall also be subject to these Terms of Service.

SECTION 8 – THIRD-PARTY LINKS

Certain content, products and services available via our Service may include materials from third-parties.

Third-party links on this site may direct you to third-party websites that are not affiliated with us. We are not responsible for examining or evaluating the content or accuracy and we do not warrant and will not have any liability or responsibility for any third-party materials or websites, or for any other materials, products, or services of third-parties.

We are not liable for any harm or damages related to the purchase or use of goods, services, resources, content, or any other transactions made in connection with any third-party websites. Please review carefully the third-party’s policies and practices and make sure you understand them before you engage in any transaction. Complaints, claims, concerns, or questions regarding third-party products should be directed to the third-party.

SECTION 9 – USER COMMENTS, FEEDBACK AND OTHER SUBMISSIONS

If, at our request, you send certain specific submissions (for example contest entries) or without a request from us you send creative ideas, suggestions, proposals, plans, or other materials, whether online, by email, by postal mail, or otherwise (collectively, ‘comments’), you agree that we may, at any time, without restriction, edit, copy, publish, distribute, translate and otherwise use in any medium any comments that you forward to us. We are and shall be under no obligation (1) to maintain any comments in confidence; (2) to pay compensation for any comments; or (3) to respond to any comments.

We may, but have no obligation to, monitor, edit or remove content that we determine in our sole discretion are unlawful, offensive, threatening, libelous, defamatory, pornographic, obscene or otherwise objectionable or violates any party’s intellectual property or these Terms of Service.

You agree that your comments will not violate any right of any third-party, including copyright, trademark, privacy, personality or other personal or proprietary right. You further agree that your comments will not contain libelous or otherwise unlawful, abusive or obscene material, or contain any computer virus or other malware that could in any way affect the operation of the Service or any related website. You may not use a false e-mail address, pretend to be someone other than yourself, or otherwise mislead us or third-parties as to the origin of any comments. You are solely responsible for any comments you make and their accuracy. We take no responsibility and assume no liability for any comments posted by you or any third-party.

SECTION 10 – PERSONAL INFORMATION

Your submission of personal information through the store is governed by our Privacy Policy. To view our Privacy Policy.

SECTION 11 – ERRORS, INACCURACIES AND OMISSIONS

Occasionally there may be information on our site or in the Service that contains typographical errors, inaccuracies or omissions that may relate to product descriptions, pricing, promotions, offers, product shipping charges, transit times and availability. We reserve the right to correct any errors, inaccuracies or omissions, and to change or update information or cancel orders if any information in the Service or on any related website is inaccurate at any time without prior notice (including after you have submitted your order).

We undertake no obligation to update, amend or clarify information in the Service or on any related website, including without limitation, pricing information, except as required by law. No specified update or refresh date applied in the Service or on any related website, should be taken to indicate that all information in the Service or on any related website has been modified or updated.

SECTION 12 – PROHIBITED USES

In addition to other prohibitions as set forth in the Terms of Service, you are prohibited from using the site or its content:

(a) for any unlawful purpose; (b) to solicit others to perform or participate in any unlawful acts; (c) to violate any international, federal, provincial or state regulations, rules, laws, or local ordinances; (d) to infringe upon or violate our intellectual property rights or the intellectual property rights of others; (e) to harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability; (f) to submit false or misleading information;

(g) to upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the Service or of any related website, other websites, or the Internet; (h) to collect or track the personal information of others; (i) to spam, phish, pharm, pretext, spider, crawl, or scrape; (j) for any obscene or immoral purpose; or (k) to interfere with or circumvent the security features of the Service or any related website, other websites, or the Internet. We reserve the right to terminate your use of the Service or any related website for violating any of the prohibited uses.

SECTION 13 – DISCLAIMER OF WARRANTIES; LIMITATION OF LIABILITY

We do not guarantee, represent or warrant that your use of our service will be uninterrupted, timely, secure or error-free.

We do not warrant that the results that may be obtained from the use of the service will be accurate or reliable.

You agree that from time to time we may remove the service for indefinite periods of time or cancel the service at any time, without notice to you.

You expressly agree that your use of, or inability to use, the service is at your sole risk. The service and all products and services delivered to you through the service are (except as expressly stated by us) provided ‘as is’ and ‘as available’ for your use, without any representation, warranties or conditions of any kind, either express or implied, including all implied warranties or conditions of merchantability, merchantable quality, fitness for a particular purpose, durability, title, and non-infringement.

In no case shall AnyExpat Ltd, our directors, officers, employees, affiliates, agents, contractors, interns, suppliers, service providers or licensors be liable for any injury, loss, claim, or any direct, indirect, incidental, punitive, special, or consequential damages of any kind, including, without limitation lost profits, lost revenue, lost savings, loss of data, replacement costs, or any similar damages, whether based in contract, tort (including negligence), strict liability or otherwise, arising from your use of any of the service or any products procured using the service, or for any other claim related in any way to your use of the service or any product, including, but not limited to, any errors or omissions in any content, or any loss or damage of any kind incurred as a result of the use of the service or any content (or product) posted, transmitted, or otherwise made available via the service, even if advised of their possibility.

Because some states or jurisdictions do not allow the exclusion or the limitation of liability for consequential or incidental damages, in such states or jurisdictions, our liability shall be limited to the maximum extent permitted by law.

SECTION 14 – INDEMNIFICATION

You agree to indemnify, defend and hold harmless AnyExpat Ltd and our parent, subsidiaries, affiliates, partners, officers, directors, agents, contractors, licensors, service providers, subcontractors, suppliers, interns and employees, harmless from any claim or demand, including reasonable attorneys’ fees, made by any third-party due to or arising out of your breach of these Terms of Service or the documents they incorporate by reference, or your violation of any law or the rights of a third-party.

SECTION 15 – SEVERABILITY

In the event that any provision of these Terms of Service is determined to be unlawful, void or unenforceable, such provision shall nonetheless be enforceable to the fullest extent permitted by applicable law, and the unenforceable portion shall be deemed to be severed from these Terms of Service, such determination shall not affect the validity and enforceability of any other remaining provisions.

SECTION 16 – TERMINATION

The obligations and liabilities of the parties incurred prior to the termination date shall survive the termination of this agreement for all purposes.

These Terms of Service are effective unless and until terminated by either you or us. You may terminate these Terms of Service at any time by notifying us that you no longer wish to use our Services, or when you cease using our site.

If in our sole judgment you fail, or we suspect that you have failed, to comply with any term or provision of these Terms of Service, we also may terminate this agreement at any time without notice and you will remain liable for all amounts due up to and including the date of termination; and/or accordingly may deny you access to our Services (or any part thereof).

SECTION 17 – ENTIRE AGREEMENT

The failure of us to exercise or enforce any right or provision of these Terms of Service shall not constitute a waiver of such right or provision.

These Terms of Service and any policies or operating rules posted by us on this site or in respect to The Service constitutes the entire agreement and understanding between you and us and govern your use of the Service, superseding any prior or contemporaneous agreements, communications and proposals, whether oral or written, between you and us (including, but not limited to, any prior versions of the Terms of Service).

Any ambiguities in the interpretation of these Terms of Service shall not be construed against the drafting party.

SECTION 18 – GOVERNING LAW

These Terms of Service and any separate agreements whereby we provide you Services shall be governed by and construed in accordance with the laws of Clyde Offices, 2nd Floor, 48 West George Street, Glasgow, BFP, G21BP, United Kingdom.

SECTION 19 – CHANGES TO TERMS OF SERVICE

You can review the most current version of the Terms of Service at any time at this page.

We reserve the right, at our sole discretion, to update, change or replace any part of these Terms of Service by posting updates and changes to our website. It is your responsibility to check our website periodically for changes. Your continued use of or access to our website or the Service following the posting of any changes to these Terms of Service constitutes acceptance of those changes.

SECTION 20 – CONTACT INFORMATION

Questions about the Terms of Service should be sent to us at [email protected].