These conditions are between the CLIENT and TeichForum, SLL (from now on TeichForum) regulates the CLIENT's use of the teichforum.org website. If you click on the "I accept the conditions of use" box, you will accept the conditions of use of TeichForum services.


This document is used so that the company TeichForum, SLL, located in the USA, with address at Carretera Bilbao-Galdakao, 6A Edificio Bluff Street, 3ºD, - 20877 Gaithersburg, with CIF E215365249, constituted by public deed authorized by the Notary of the Illustrious College of the Basque Country, Mr. Jaime Fernández Ostolaza, (hereinafter, TeichForum), informs of the General Conditions that regulate the products and services offered through the TeichForum website.



PROVIDER : the service provider is TeichForum; offers services for the preparation of non-payment reports on compliance or non-compliance with monetary obligations of natural persons required by its clients.

CLIENT : any person who contracts the services or products of TeichForum. In the terms of use of TeichForum services, the concepts CLIENT and INTERESTED PARTY are used interchangeably depending on the context.

CONSULTED : is all the person on whom the INTERESTED PARTY has requested TeichForum to prepare a report on compliance or non-compliance with monetary obligations, provided that he has given the consents specified in this contract.

SOLVENCY REPORT (FROM NOW ON REPORT) : it is an electronic document that collects the information obtained from the consultations made by TeichForum with the authorization of the CONSULTANT, and that once systematized it is presented to the INTERESTED PARTY with a simple and suitable format for taking decision making.

SERVICES : any service or product that TeichForum can offer, this concept will be given.

Conditions and applicable laws

Notwithstanding the provisions of these Conditions, TeichForum may request the CLIENT to accept additional and complementary clauses and conditions for access to the SERVICES that the CLIENT wishes to access while browsing the different web sites.

TeichForum will keep the CLIENT informed about the SERVICES that we can offer at all times, either through the TeichForum website or by any means provided by the CLIENT.

These conditions are affected by the provisions of the General Data Protection Regulation (RGPD) (EU Regulation 2016/679), to Law 34/2002 of July 11, on Information Society Services and of Electronic Commerce, to Law 26/1984, of July 19, General for the Defense of Consumers and Users, Law 7/1988, of April 13, on General Contracting Conditions, Law 7/1996, of 15 January of the Retail Trade Regulation, and Royal Decree 1906/1999, of December 17, 1999, which regulates Telephone or Electronic Contracting with general conditions "

TeichForum reserves the right to request the CLIENT to accept additional conditions or clauses to be able to access some SERVICES that the CLIENT wishes while browsing the website, without this affecting the current conditions.

Purpose of these Conditions

The purpose of these Conditions, as well as that of the Additional Conditions that, if necessary, may be agreed, is to regulate the use and access of the TeichForum website.


TeichForum, the TeichForum logo, and the other trademarks, logos, graphics, distinctive signs of TeichForum and all of its service and product providers are registered trademarks of TeichForum or their respective owners. The CLIENT does not have any license or right to use the aforementioned brands.

The CLIENT understands that the services, graphics, images, logos, source code, user interface, used to provide them are the exclusive property of TeichForum insofar as they are part of its intellectual property and are protected by the provisions of Royal Legislative Decree 1/1996, of April 12, which approves the revised text of the Intellectual Property Law, according to the wording given by Law 5/1998 of March 6, being the subject of the protection not only of the data contained therein, but also in terms of data collection / systematization, in the terms provided in article 133 and following of the current Intellectual Property Law.


Any contract between CLIENT and TeichForum will be valid if CLIENT fills in the registration form, unequivocally accepts these Conditions and clicks on the "I accept the conditions of use" box located in the service process.

In order for the CLIENT to access the TeichForum SERVICES, contracts and / or operations must be entered into by electronic means. The CLIENT must acknowledge that if he sends information by electronic means he accepts all contracts and must pay the amounts specified in the contracts. Your acceptance and willingness to be bound by virtue of the information sent electronically will apply to all documents related to all the operations that THE CLIENT performs on this website, including notifications of cancellation, policies, contracts and requests.

To contract the products or SERVICES of TeichForum CLIENTE you must be of legal age (18 years or more) and / or be a duly accredited legal person.

If the CUSTOMER contracting the TeichForum SERVICES is a legal person, regardless of its social form, it is obliged to assign a natural person to act on its behalf, in which case the CLIENT will always be liable for the acts performed by the designated natural person , regardless of the type of authorization or powers that may exist between the two.

On the other hand, the natural person who contracts the SERVICES and products offered by TeichForum will automatically be constituted for the purposes of this contract as joint guarantor of the legal person they represent, therefore, according to article 1,822 of the Civil Code and following, In relation to 1.113 and following of the same Code, you must respond for all the obligations of this contract with the guarantee of your rights and assets.

For the purposes of any type of contracting by the CLIENT of the SERVICES offered by TeichForum, CLIENT declares its agreement with the fact that it will not be necessary to confirm receipt of the acceptance of the contract when it has been concluded exclusively by email exchange or another type of equivalent electronic communication in accordance with the provisions of article 28.3 b) of Law 34/2000, of July 11, on Services of the Information Society and Electronic Commerce, as well as the provisions of RD 1906 / 1999, without prejudice to TeichForum being able to demand such confirmation when it deems it appropriate.


When making a contract, the CLIENT is free to choose any of the SERVICES offered on the TeichForum website. The choice of a specific service will oblige the CLIENT to read and accept the additional conditions that may be required to regulate that service and which, in any case, will be attached to this contract.

The final price that the CLIENT will pay includes the price of the SERVICES contracted according to the rates provided on the TeichForum website, plus the corresponding VAT (at the rate that is in force on the day of purchase). TeichForum reserves the right to modify the price of any of its SERVICES always and at any time, such modification being applicable to the parties as soon as it is incorporated into the aforementioned website.

TeichForum details on its website the basic prices of the SERVICES offered.

TeichForum accepts payment by bank transfer or through its website.

Taxes or fees will be added to the prices of the SERVICES that are in force when the contract is formalized and must be legally applied.

If the management is carried out exclusively online, the estimated average management time is one hour.


TeichForum provides its SERVICES with a reasonable degree of professionalism. TeichForum cannot make any other promises or make any other warranties about its SERVICES and, in particular, does not warrant that:

  • The client may use the SERVICES without any interruption or problem. TeichForum reserves the right to stop the service for indefinite periods of time or cancel it at any time for maintenance or technical reasons; When the time comes TeichForum, as long as it has proof of the arrest, will communicate the incidents to those possibly affected.
  • During the service there will be no viruses, computer attacks or other breaches or security problems, which will be considered force majeure, and TeichForum does not accept any responsibility derived from these events.

On exceptional occasions, the assets solvency files do not proceed to rectify the annotations. In these specific cases TeichForum Ltd is not responsible, since the procedure has been carried out in compliance with the procedure established by the regulatory standard under which the files are protected (LOPD 15/99).

In these exceptional cases TeichForum Ltd will not return any amount for the services already performed, but will not invoice the final charge for the contracted service.

What is set forth in these Conditions shall not exclude or limit IMORISITY's liability for fraud or gross negligence on its part. However, TeichForum will not be responsible for losses or damages caused by negligence, error or delay on the part of you, its directors or employees in carrying out their tasks in order to offer services to CLIENTS.

If the CUSTOMER breaches these Conditions, they will be liable to TeichForum, its directors, employees, contractors, agents, directors and licensors with respect to any claims arising from such breach. On the other hand, the CLIENT will be responsible for any measure adopted by TeichForum in the framework of the investigation of a possible breach of these Conditions or as a consequence of the determination or conclusion, by TeichForum, that there has been a breach of the themselves.

TeichForum is not responsible for any damages that may arise from the incorrect quality of the data provided by the databases. Consequently, TeichForum does not guarantee the quality of the content of the REPORT, to the extent that its preparation depends exclusively on the quality of the data provided by the databases to which TeichForum has access at all times.

TeichForum informs of the possibility of using secure data authentication systems that allow verifying the real identity of the user to avoid possible unauthorized access or identity theft. TeichForum reserves the right to report fraudulent identity theft attempts to the State Security Authorities and bodies when hiring its services. All false or fraudulent personal data provided by customers may be considered a crime of falsification of commercial documents.

If TeichForum performs any serious negligence and causes damages due to non-compliance, the compensation may not exceed the amounts paid by the CUSTOMER affected by the contracted service that would have caused such damages.

TeichForum reserves the right to refuse the provision of services or the delivery of PRODUCTS to the CUSTOMER for commercial reasons, uses and policies of business interest, and therefore also to charge the prices established at all times as consideration for them.

The CLIENT may not oppose the payment to TeichForum of the consumptions made by the personnel in his charge or by any third party, who have had access to the keys, even if they have occurred outside of its guidelines or due to lack of control or due diligence of its custody or failures in the security measures of its systems or any other cause beyond IMOROSITY.


TeichForum reserves the right to modify these Conditions and any other contract with the CLIENT for the provision of TeichForum services, always and at any time, and to establish new conditions or terms in relation to the use of the SERVICES by the CLIENT. Such modifications, additional conditions and terms must be correctly informed to the CLIENT and, if he accepts them, they will have an immediate effect and will become an integral part of this Contract. If the CLIENT does not accept such modifications, TeichForum will have the right to terminate this Contract.


TeichForum may cancel this contract before the end of its duration, always and at any time, if the CLIENT fails to comply with any of the obligations set forth in these Conditions or TeichForum detects that such a breach exists.

Everything provided in the billing section within these conditions will remain in force for the CLIENT at the end of the contract, without prejudice to the provisions of the previous paragraph.


We make every effort to offer the information contained in the website truthfully and without typographical errors. In the event that at any time an error of this type occurs, at all times beyond our control, it will be immediately corrected. If there is a typographical error in any of the prices shown that is substantial and that implies a price significantly lower than the usual price of the product and a customer has made a purchase decision based on said error, we will notify him of said error and the customer will have the right to rescind your purchase at no cost to you. Sending an automatic purchase confirmation does not validate the erroneous price conditions.


To resolve any judicial controversy derived from the interpretation and / or fulfillment of these Conditions, the parties, waiving any other general or special jurisdiction that may correspond to them, submit to the Courts and Tribunals of Gaithersburg, without prejudice to the jurisdiction that may correspond to them. the CLIENT to be considered as a consumer for the purposes of these General Conditions.

In accordance with the regulations on the defense and protection of Consumers and Users, we comply with them and inform you that TeichForum must provide you with model forms of complaints and claims, if required. To request it, send a letter to TeichForum, SLL, - Claims Sheet - Bilbao-Galdakao Road, 6A Bluff Street Building, 3ºD. 20877. Gaithersburg. Bizkaia.

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Our business hours are:

Monday to Thursday from 9:00 a.m. to 7:30 p.m. Friday from 9:00 a.m. to 3:30 p.m.

Privacy Policy

The data that you provide us in the registry will be part of a database of TeichForum Ltd, with address in Edificio 1927 Bluff Street Dpto. C (Gaithersburg) and will be processed to provide you with the requested information and to be able to contact you in the future to take carry out commercial actions, if you have provided us with your consent by checking the check box enabled for this purpose.

You can exercise your rights of access, rectification, cancellation, opposition, limitation by contacting TeichForum at the address indicated above. We will keep your data as long as you do not exercise your right to cancel. You can contact the Data Protection Officer (DPO) through: [email protected]