Legal Terms


In compliance with the duty of information contained in article 10 of Law 34/2002, of July 11, on Services of the Information Society and Electronic Commerce, the following is stated:


The web domain owner, is the cooperative Social Strategies for Territory and Free Spaces, ESTEL, SCCL from now on COOPERATIVA *ESTEL with address at Carrer Creueta 119, baixos, esquerra, 08202 – Sabadell (Barcelona), C.I.F ESF67480889. Contact email:


The access and/or use of this website of the *ESTEL COOPERATIVE confers the status of USER, who accepts, from this access and/or use, the General Conditions of Use reflected here.

The user accepts the conditions in this legal notice fully and without reservation.

3. USE OF THE WEBSITE provides access to articles, projects, information, and data (hereinafter, “the contents”) owned by the *ESTEL COOPERATIVE.

The user undertakes lawfully using the website with its services and content, per current legislation, generally accepted uses, good faith, and public order.

The user undertakes not to carry out actions that may cause damage to the web page, rendering it useless, overloading it or deteriorating it in any way, or preventing other users from freely accessing, using, or enjoying the web page.


We use our own and third-party cookies to improve your user experience and capture statistical data. You can accept or define cookie preferences from our cookie settings panel.

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    • Necessary
      • The storage or technical access is strictly necessary for the legitimate purpose of allowing the use of a specific service explicitly requested by the subscriber or user or with the sole purpose of carrying out the transmission of a communication through an electronic communications network.
    • Statistics
      • Storage or technical access is used exclusively for statistical purposes.
    • Marketing
      • Storage or technical access is necessary to create user profiles to send advertising or track the user on a website or several websites with similar marketing purposes.

What are cookies?

A cookie is a file downloaded to your computer when you access certain web pages. Cookies allow a web page, among other things, to store and retrieve information about the browsing habits of a user or his computer. Depending on the information they contain and how he uses his computer, the network can use the cookies to recognize the user.

Why does this website use cookies?

The cookies are from external service providers and are used to statistically analyze the information accessed by users of this web page. The data collected may include the activity of the visiting user’s browser, the route followed by users of our website, information from the visitor’s Internet service provider, the number of times users access the site, and your behavior on our site (pages visited, forms completed and the like). They can also identify users who visit us from an invitation from an associated website or a sponsored link.

Configure cookies

You can configure cookies or reject their use by pressing the “Configure” button on the banner that appears the first time you visit this website or any of the insurance service portals hosted at 

Delete cookies

You can delete the cookies installed on your computer by configuring the options of the browser installed on your computer.

You can see more information about your browser and cookies at the following links:



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Google Analytics opt-out plugin for browsers

If you wish to reject Google Analytics analytical cookies in all browsers so that your information is not sent to Google Analytics, you can download a plug-in that performs this function from this link: /dlpage/gaoptout


The *ESTEL COOPERATIVE is the owner of this website’s intellectual and industrial property rights and all its contents (by example only: texts, photographs, and other audiovisual content, software, graphic design, etc.) or accounts with the corresponding license or authorization for its use. The access to navigation through and the use of this website by the user do not imply a waiver, transmission, license, or total or partial assignment of those.

The “*ESTEL” logo is a registered trademark owned by COOPERATIVA *ESTEL. It is prohibited to reproduce, modify, reuse, exploit, communicate publicly, upload files, send by mail, transmit, use, treat or distribute in any way all or part of the contents included in this web page for public or commercial purposes, if not it has the express and written authorization of the *ESTEL COOPERATIVE. Its reproduction or use is prohibited without the written authorization of its owner.



The *ESTEL COOPERATIVE rejects responsibility for all information present on the Web not prepared by itself or not published under its name and will not respond or guarantee, in any way, the accuracy, insufficiency, or authenticity of the information provided by any person or entity, physical or legal entity, with or without its legal personality, through these hypertext links.


If any other website, user, or entity wishes to establish a link to “”, this link must be subject to the conditions detailed below:

  1. The link will go to the main page or any of its sections. The link, in any case, must be absolute and complete, taking the user with a single click to the URL of the main page or the URL of any of its sections.
  2. In no case, except for express written authorization by the *ESTEL COOPERATIVE, the website that establishes the link may reproduce “” in any way, including as an integral part of its website, using frames, redirections, or any other measure that hides the origin of the information.
  3. Establishing links to “” from websites containing illicit, illegal, degrading, or obscene content contravening morals or public order is not authorized.

The website access service includes technical linking devices, directories, and even research tools that allow the User to access other Internet pages and portals (hereinafter, ‘Linked Sites’). Suppose the User considers that there is a Linked Site with illegal or inappropriate content. In that case, they may notify the *ESTEL COOPERATIVE by sending a message to without this communication entailing the obligation to withdraw the corresponding link. In these cases, acts as an intermediary service provider under article 17 of the LSSI-CE and will only be responsible for the content and services provided on the linked sites to the extent that it has sufficient knowledge of the illegality and has not deactivated the link with due diligence.

In no case does the existence of Linked Sites presuppose the existence of agreements with those responsible or owners thereof, nor the recommendation, promotion, or identification of the *ESTEL COOPERATIVE with the manifestations, contents, or services provided.

The *ESTEL COOPERATIVE does not know the contents and services of the Linked Sites. It is, therefore, not responsible for damages caused by the illegality, quality, outdatedness, unavailability, error, and uselessness of the contents and/or services of the linked sites or for any other damage that is not directly attributable to the *ESTEL COOPERATIVE.


Following the provisions of the current data protection regulations, RGPD and LOPD, users who send communications to the contact email published in the contact tab of the website are informed that they authorize the *ESTEL COOPERATIVE so that their personal data are treated under the responsibility of the other, to manage the current contractual relationship, and will be kept as long as there is a mutual interest for this and will not be transferred to third parties unless legally required. For this purpose, the interested party may exercise the rights of access, rectification, portability, deletion, limitation, and opposition by sending a message to