Terms & Conditions
About our Madrid Insider Sessions
The Madrid Insider Sessions are informal, online conversations – usually held via Zoom or Google Meet – where we share our personal experience of life in Madrid. They’re a chance to ask questions, get a feel for what to expect, and hear honest, first-hand perspectives.
We may recommend preferred suppliers – including estate agents, lawyers, Gestors, tax advisors, school specialists, and other local professionals – based on our own direct or indirect positive experiences. These recommendations are made in good faith, but they are not formal endorsements. We’d always encourage you to carry out your own due diligence before engaging any third-party professional. Cora Collective accepts no responsibility for the services, advice, or actions of any recommended supplier.
Everything we share in our Sessions reflects our personal knowledge and experience at the time of conversation. It is not professional, legal, financial, or regulated advice of any kind. Information may change, and we cannot guarantee its accuracy or completeness. Please treat it as a helpful starting point rather than a definitive guide.
About our Directory
The Cora Collective Directory is a community-sourced resource. Listings are included based on personal recommendations and experiences shared by members of our community. They do not represent a professional referral, endorsement, or recommendation by Cora Collective.
Cora Collective is not a regulated referral service and does not vet, accredit, assess, or make any representation regarding the qualifications, credentials, licensing, suitability, or quality of any individual or business listed in this Directory.
The Directory includes listings for healthcare professionals, legal professionals, financial advisors, and other regulated service providers. Users are solely responsible for conducting their own due diligence before engaging any listed professional or service, including verifying that they hold any required qualifications or licences to practise in Spain.
Cora Collective accepts no liability for the services provided by, or any act or omission of, any individual or business listed in this Directory. Any engagement with a listed, or recommended professional is entirely at the user’s own risk and constitutes a direct relationship between the user and that professional only.
If you wish to report a concern about a listing, please contact us at hola@cora-collective.com
Full Terms & Conditions
CONDICIONES GENERALES DE CONTRATACIÓN DE SERVICIOS
Cora Collective · Last updated: June 2026
These Terms govern your purchase and use of Cora Collective’s paid Services: The Directory and The Madrid Insider Sessions. General use of the Cora Collective website is governed separately by the Website Terms of Use. Please read these Terms carefully before purchasing. Questions? Contact us at hola@cora-collective.com
1. Definitions & Interpretation
1.1 In these Terms, the following definitions apply:
“Cora Collective”
the self-employed business (autónomo) operated under the trading name Cora Collective, registered in Spain with NIE Y7417204V and its operators.
“Directory”
the members-only online resource providing curated listings of businesses, professionals, and services in Madrid, accessible via the Platform.
“Platform”
the Cora Collective website and any associated digital tools through which the Services are accessed.
“Services”
the Directory subscription and Madrid Insider Sessions, as further described in Clause 3.
“Session”
a personalised one-to-one consultation provided as part of the Madrid Insider Sessions service.
“User”
any individual who accesses or uses the Platform or Services.
“User Content”
any recommendation, review, or other content submitted by a User in connection with the Services.
“Terms”
these Service Terms & Conditions, as amended from time to time.
1.2 References to “we”, “us”, and “our” are to Cora Collective. References to “you” and “your” are to the User. Clause headings are for convenience only and do not affect interpretation.
2. Eligibility & Account Registration
2.1 The Services are intended for individuals aged 18 or over. By registering or purchasing, you confirm that you meet this requirement. The Services are available to consumers acting for personal, non-commercial purposes. Commercial use requires prior written consent from Cora Collective.
2.2 Access to the Directory requires registration of a user account. You agree to provide accurate, current, and complete information at registration and to keep it up to date. Cora Collective accepts no liability for losses arising from inaccurate information provided by you.
2.3 You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Accounts are personal and non-transferable. You must notify Cora Collective immediately at hola@cora-collective.com if you suspect any unauthorised access.
2.4 Cora Collective reserves the right to suspend or terminate any account where: (a) false or inaccurate information has been provided; (b) the account is being used in breach of these Terms; or (c) Cora Collective is required to do so by law. Further detail is set out in Clause 13.
3.Description of Services
3.1 The Directory. The Directory is a paid, members-only information resource providing curated listings of local businesses, professionals, and services across Madrid and Spain, covering categories including healthcare, legal and financial services, schools, restaurants, sport, and tradespeople. The Directory is an information service only — not a regulated referral service or intermediary platform. Listings reflect personal recommendations and do not constitute endorsements or quality assurances. Limitations applicable to listings are set out in Clause 5.
3.2 Madrid Insider Sessions. Personalised one-to-one consultations with Cora Collective’s founders, conducted by phone, video call, or occasionally in person in Madrid, designed to support individuals and families with relocation to and daily life in Madrid. Sessions are booked via Calendly and paid in advance through Stripe. Available formats, packages, and pricing are described on the website. Booking and cancellation terms are set out in Clause 7.
3.3 During a Session, Cora Collective may introduce Users to trusted third-party professionals, including estate agents, school advisors, or lawyers. Any such introduction is a referral to an independent third party only. Where any commercial arrangement exists between Cora Collective and a referred party, this will be disclosed at the time of referral. Cora Collective accepts no responsibility for any subsequent relationship between the User and a referred professional.
3.4 A written post-session summary may be provided by email for the User’s reference. This summary is the intellectual property of Cora Collective and may not be shared, reproduced, or distributed without prior written consent.
3.5 Nothing in the Services — including the Directory, Sessions, or any post-session summary — constitutes legal, medical, financial, tax, immigration, or any other form of regulated professional advice. Users requiring regulated advice must seek it independently from a suitably qualified professional. Cora Collective makes no guarantee as to the suitability, quality, availability, or outcome of any listed or referred business or professional.
3.6 Cora Collective reserves the right to modify, suspend, or discontinue any aspect of the Services at any time with reasonable prior notice. Where a material change adversely affects a paid subscription, the User may cancel and receive a pro-rata refund of unused prepaid fees.
4. Pricing, Billing & Payment
4.1 All current prices are displayed on the Platform at the point of purchase, in Euros and inclusive of applicable taxes. Price changes will be communicated with reasonable advance notice on the Platform and will not affect a subscription or booking already paid for.
4.2 All payments are processed securely via Stripe. By completing a purchase, you authorise Cora Collective to charge the amount displayed at checkout. Cora Collective does not store payment card details. VAT and other applicable taxes are applied in accordance with Spanish tax law. Where requested, Cora Collective will issue a receipt or invoice by email following a successful transaction.
4.3 Directory subscriptions renew automatically on an annual basis at the then-current price. You will be notified by email in advance of any renewal charge. To cancel auto-renewal, use your account settings or contact hola@cora-collective.com before the renewal date.
4.4 Where a free trial is offered, the terms and duration will be stated at sign-up. Unless cancelled before the trial expires, the subscription will convert automatically to a paid subscription at the applicable rate.
4.5 If a payment fails, access to the relevant Service may be suspended until payment is received. Where a payment remains outstanding, Cora Collective reserves the right to: (a) suspend access; (b) charge statutory interest at the rate applicable under Spanish law; and (c) recover reasonable costs of pursuing the overdue amount. Persistent non-payment may result in permanent account termination.
5. Directory Listings — Limitations & Disclaimer
5.1 The following limitations apply to all Directory listings. By accessing the Directory, Users acknowledge and accept these terms.
5.2 No vetting or accreditation. Cora Collective does not verify the qualifications, credentials, licences, insurance, or professional standing of any listed individual or business. Listings are based on personal recommendations and do not constitute professional accreditation or quality assurance.
5.3 No endorsement or referral. Inclusion in the Directory does not constitute an endorsement or referral by Cora Collective. Cora Collective is not a regulated referral or intermediary service.
5.4 Accuracy and currency. Business information may change without notice. Cora Collective makes no representation as to the accuracy, completeness, availability, or currency of any listing.
5.5 Ranking and inclusion. Listings are curated at Cora Collective’s sole discretion. There is no formal ranking methodology; listings are not ordered by quality, rating, or payment. Any future sponsored or paid listings will be identified as such.
5.6 User reliance. Users rely on Directory listings at their own discretion and risk and are responsible for conducting independent due diligence before engaging any listed professional, in particular for healthcare, legal, and financial service providers.
5.7 Third-party independence. All listed businesses are independent third parties. Any engagement with a listed business is solely between the User and that business. Cora Collective accepts no liability for the services, advice, or actions of listed businesses.
6. Reviews & User Content
6.1 Users may submit User Content in connection with the Services. By doing so, you confirm that: (a) the content is genuine and based on personal experience; (b) you have no undisclosed commercial relationship with the subject; and (c) the content is accurate and free from false, misleading, defamatory, or unlawful material. Fake, incentivised, or offensive reviews are strictly prohibited and may result in immediate account termination.
6.2 By submitting User Content, you grant Cora Collective a non-exclusive, royalty-free, perpetual licence to use, display, edit, and moderate that content in connection with the Services. You retain ownership of your content.
6.3 Cora Collective reserves the right to moderate, edit, or remove any User Content at its sole discretion, including content that: (a) breaches these Terms; (b) is defamatory, offensive, or unlawful; or (c) infringes any third-party rights. To report content you believe to be unlawful or defamatory, contact hola@cora-collective.com with full details.
6.4 Users are solely liable for User Content they submit and agree to indemnify Cora Collective under Clause 12 in respect of any claim arising from such content.
7. Sessions — Booking, Rescheduling & Cancellation
7.1 Sessions are booked via Calendly and confirmed upon receipt of full payment through Stripe, subject to availability. Package sessions are non-transferable and must be used within any validity period stated at purchase.
7.2 Reschedule requests must be made more than 48 hours before the scheduled start time. Requests within 48 hours are subject to availability and Cora Collective’s discretion. If a User arrives late, the Session ends at the originally scheduled time with no extension. Failure to attend without prior cancellation is treated as a cancellation within 48 hours; no refund or credit will be issued.
7.3 Cancellations more than 48 hours before the scheduled start time will receive a full credit towards a future booking. Cancellations within 48 hours are non-refundable. Cancellation of a package more than 48 hours before the first Session entitles the User to a full refund, subject to Clause 8. Once one or more sessions in a package have been delivered, remaining sessions are non-refundable.
7.4 Where Cora Collective cancels or reschedules a Session, or cannot deliver due to circumstances outside its reasonable control, the User will be offered a full refund or a credit towards a future Session. No further compensation will be payable.
8. Right of Withdrawal
8.1 Under Spanish consumer law (Real Decreto Legislativo 1/2007, LGDCU) and EU Directive 2011/83/EU, you have the right to withdraw from a purchase within 14 calendar days of the contract date without giving any reason.
8.2 However, as the Services are delivered digitally and access is granted immediately upon payment, by completing your purchase you expressly confirm that: (a) you request that performance commence immediately; and (b) once access has been granted or performance has commenced, your right of withdrawal is waived.
8.3 This confirmation is obtained at checkout. If you do not wish to waive this right, do not proceed with payment. To exercise your right of withdrawal before access is granted, contact hola@cora-collective.com with your name, order reference, and date of purchase. Any applicable refund will be processed within 14 days.
9. Subscriptions & Cancellation
9.1 Directory subscriptions are available on an annual basis, or such other periods as may be offered on the Platform. Subscriptions may be cancelled at any time via account settings or by contacting hola@cora-collective.com. Cancellation takes effect at the end of the current billing period; access continues until that date. No partial refunds are available for unused subscription time, except as required by law or under Clause 8.
9.2 Upon termination or expiry, access to the Directory will cease. User profile and saved data will be retained for 30 days, after which it may be deleted. Users may request earlier deletion by contacting hola@cora-collective.com.
10. Intellectual Property
10.1 All content on the Platform and within the Services — including Directory listings, descriptions, editorial content, post-session summaries, the newsletter, database structure, software, trademarks, and branding — is the intellectual property of Cora Collective or its licensors, protected under Spanish and EU law including database rights. Nothing in these Terms grants any licence to use Cora Collective’s trademarks or branding.
10.2 Your subscription or Session booking grants a personal, non-exclusive, non-transferable, revocable licence to access and use the relevant content for private, non-commercial purposes during the active subscription or engagement period only.
11. User Obligations & Acceptable Use
11.1 Users must use the Platform and Services lawfully, in good faith, and in accordance with these Terms. The following are expressly prohibited:
- copying, reproducing, downloading, exporting, or commercially exploiting any Platform or Service content
- sharing login credentials or access with any third party
- scraping, crawling, harvesting, or any systematic automated extraction of data from the Platform
- reverse engineering, decompiling, or attempting to extract the source code of the Platform
- using any Service content to train, develop, or improve any artificial intelligence or machine learning model
- submitting false, misleading, defamatory, offensive, or fraudulent content
- transmitting unsolicited commercial communications (spam)
- attempting to gain unauthorised access to the Platform or any user account
- introducing malware, viruses, or other harmful code to the Platform
- impersonating Cora Collective, its operators, or any third party
- any other use that is unlawful or violates applicable law
11.2 Breach of this clause may result in immediate suspension or termination of access without refund. Cora Collective reserves the right to pursue any available legal remedies, including uncapped compensation for IP infringement, and to report conduct to relevant authorities where appropriate.
12. Indemnity
12.1 You agree to indemnify, defend, and hold harmless Cora Collective and its operators from and against any claims, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising from: (a) your breach of these Terms; (b) any User Content submitted by you; (c) your use of the Services in a manner not permitted by these Terms; or (d) any infringement by you of any third-party rights. This obligation survives termination of these Terms.
13. Suspension & Termination
13.1 Cora Collective may suspend or restrict access to the Services at any time where: (a) you are in material breach of these Terms; (b) a payment is overdue or disputed; (c) Cora Collective suspects fraudulent, abusive, or unlawful activity; or (d) Cora Collective is required to do so by law or a competent authority.
13.2 You may terminate your use of the Services at any time by cancelling your subscription and ceasing to use the Platform. Termination does not entitle you to a refund except as set out in these Terms.
13.3 On termination: (a) your licence to use the Services ceases immediately; (b) any outstanding payment obligations remain due; and (c) provisions intended to survive termination (including Clauses 10, 12, and 14) continue in full force.
14. Liability & Risk Allocation
14.1 Cora Collective provides the Services with reasonable skill and care. However, to the fullest extent permitted by Spanish and EU consumer law:
- Cora Collective gives no warranty as to the accuracy, completeness, or fitness for purpose of any information provided through the Services.
- Cora Collective does not guarantee that the Platform will be continuously available or free from errors or interruptions.
- Cora Collective’s total aggregate liability shall not exceed the total fees paid by you for the relevant Service in the twelve months immediately preceding the claim.
- Cora Collective shall not be liable for any indirect, special, consequential, or economic loss arising from use of the Services.
- Cora Collective shall not be liable for the acts, omissions, advice, or services of any third party listed in the Directory, referred to during a Session, or accessible via the Platform.
Nothing in these Terms excludes or limits Cora Collective’s liability for: (i) death or personal injury caused by its negligence; (ii) fraudulent misrepresentation; or (iii) any other liability that cannot be excluded or limited under Spanish or EU law. Your statutory consumer rights are not affected.
15. Consumer Rights & Complaints
15.1 Nothing in these Terms affects your statutory rights as a consumer under Spanish law and applicable EU consumer protection regulations, including any entitlement to a remedy, re-performance, or refund where a Service is not provided as described or is materially defective.
15.2 Complaints should be directed to hola@cora-collective.com with a description of the concern and your order or account details. Cora Collective will acknowledge complaints within 3 working days and endeavour to resolve them within 28 days.
15.3 Where a complaint cannot be resolved directly, Users may refer the matter to: (a) Spain’s consumer arbitration system (Sistema Arbitral de Consumo); or (b) the EU Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr. Nothing in this clause limits your right to bring proceedings before a competent court.
16. Operational Provisions
16.1 Third-party services. The Platform integrates with Stripe (payments), Calendly (bookings), and Kit (email). Use of these services is subject to their respective terms and privacy policies. Cora Collective is not responsible for the availability, accuracy, or conduct of any third-party platform. The Platform may contain links to third-party websites; inclusion of a link does not constitute endorsement.
16.2 Amendments. Cora Collective may amend these Terms or any aspect of the Services at any time. Where an amendment is material, you will be notified by email no less than 10 days before it takes effect. If you do not accept a material amendment, you may cancel before the effective date and receive a pro-rata refund of prepaid unused fees. Continued use after the effective date constitutes acceptance. Pricing changes are not a material amendment and will be notified on the Platform with reasonable advance notice.
16.3 Privacy & data protection. Personal data is processed in accordance with our Privacy Policy [LINK] and in compliance with GDPR (EU) 2016/679 and Ley Orgánica 3/2018 (LOPDGDD). Cookie use is governed by our Cookie Policy [LINK]. Marketing communications are sent only with your consent, which may be withdrawn at any time.
16.4 Force majeure. Cora Collective will not be liable for any failure or delay in performing its obligations arising from circumstances beyond its reasonable control, including illness, pandemic, war, governmental action, technical infrastructure failure, or internet outages. Cora Collective will notify you promptly and take reasonable steps to resume performance as soon as practicable.
16.5 Assignment. Cora Collective may assign its rights and obligations under these Terms in connection with a sale or transfer of the business, provided this does not materially prejudice your consumer rights. You may not assign your rights under these Terms without prior written consent.
16.6 Notices. Notices to Users will be sent to the email address registered on your account. It is your responsibility to keep contact details up to date. Notices to Cora Collective should be sent to hola@cora-collective.com.
17. Governing Law & Jurisdiction
17.1 These Terms are governed by and construed in accordance with Spanish law. Any dispute arising under or in connection with these Terms shall be subject to the non-exclusive jurisdiction of the courts of Madrid, Spain, without prejudice to your right to seek a remedy through the mechanisms in Clause 15.
18. General Provisions
18.1 Entire agreement. These Terms, together with the Privacy Policy, Cookie Policy, Disclaimer, and Website Terms of Use (via Termageddon), constitute the entire agreement between the parties in relation to the Services and supersede all prior representations, agreements, or understandings.
18.2 Severability. If any provision is found invalid or unenforceable, it shall be modified to the minimum extent necessary or severed. The remaining provisions continue in full force and effect.
18.3 No waiver. Failure to enforce any provision on any occasion shall not constitute a waiver of the right to enforce it on a subsequent occasion.
18.4 Language. These Terms are provided in English. In the event of any conflict with a translated version, the English text prevails, subject to mandatory protections under Spanish consumer law.
18.5 Contact. For all queries regarding these Terms, contact Cora Collective at hola@cora-collective.com