Legal notice, privacy and cookies

Legal notice

Website owner (Impressum)

Information pursuant to § 5 of the German Digital Services Act (DDG) and Spanish Law 34/2002 on information society services (LSSI-CE). The owner of natdesantiago.com is:

• Owner: Natalia de Santiago
• VAT ID (USt-IdNr.): DE330913620
• Address: Sonnwiesstraße 24, 83674 Gaißach, Germany
• Email: info@natdesantiago.com

Purpose

This website presents the professional work of Natalia de Santiago as an author, financial literacy expert and entrepreneur: her books, talks and workshops, training programmes and media appearances.

Intellectual property

The text, images and design of this website belong to its owner or are used with permission. Portrait photographs are © María Montero Photography. Book covers belong to their respective publishers. They may not be reproduced without prior permission.

Links to other websites

This website contains links to third-party sites (for example, bookshops, media outlets, Substack or Weavers). The owner is not responsible for the content or privacy policies of those sites.

Educational content

The content of this website is provided for general information and educational purposes only and does not constitute investment advice or a recommendation. Nothing published on this website or on the author’s social media (articles, photos, charts, interviews, videos, podcasts or any other content) should be read as a recommendation to buy or sell any financial asset or to follow any particular investment strategy. Any decision you make based on this information is your sole responsibility. Please consult a financial adviser before making any investment decision.

Applicable law

This legal notice is governed by German law and applicable EU law.

Privacy policy

Data controller

Natalia de Santiago, at the contact details given in the legal notice (info@natdesantiago.com).

What data is processed and why

• If you email me: your name, email address and whatever you tell me, used only to reply and, where relevant, to prepare a proposal. The legal basis is your consent when you write to me and, if there is a proposal, steps taken prior to entering into a contract.
• If you subscribe to the newsletter: sign-up takes place on Substack, which manages the subscriber list and sends the emails. The legal basis is your consent, which you can withdraw at any time using the unsubscribe link in every email. Substack processes your data under its own privacy policy.

The subscription forms on this website send your email address directly to Substack: this website does not store any data or track its visitors.

How long data is kept

Emails are kept for as long as needed to deal with your enquiry or any professional relationship that follows from it. Newsletter data is kept until you unsubscribe.

Who data is shared with

Data is not passed on to third parties unless required by law. Service providers acting as processors are involved in running the site: web hosting and email (Webempresa), the email provider (Google) and the newsletter platform (Substack). Some of them may process data outside the European Economic Area under the safeguards provided for in the GDPR.

Your rights

You can exercise your rights of access, rectification, erasure, objection, restriction of processing and portability by writing to info@natdesantiago.com. If you believe your rights have not been respected, you can lodge a complaint with the competent supervisory authority (in Bavaria, the Bayerisches Landesamt für Datenschutzaufsicht, lda.bayern.de; in Spain, the Agencia Española de Protección de Datos, aepd.es).

Cookies

This website does not use its own or third-party cookies: there are no analytics, advertising or tracking tools, and fonts are served from the site’s own server. That is why no cookie banner is shown.

If a tool that uses cookies is added in the future, this policy will be updated and your consent will be requested before any cookies are set.

Last updated: October 2026.