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1. Company details

In accordance with article 10 of the Law 34/2002, of the 11th of July, of Information Society Services and Electronic Commerce, the company's details are as follows.

Company name: Ramón Vilasánchez Martínez

NIF/CIF: 33172151X (Spanish tax identity number)

Registered office: Plaza del Carmen, 3 - 07701 Mahón - Menorca (Balearics - Spain)


2. Intellectual Property

The source code, graphic design, images, photographs, sounds, animations, software, texts, as well as the information and contents included in this website are protected by the Spanish laws on intellectual and industrial property in favour of Ramón Vilasánchez. The contents of this website may not be reproduced and/or published, whether totally or partially, nor may they be handled, distributed, divulged, modified, transformed or divided, or treated in any way that breaches the legally recognized rights of the owner, without prior written consent from Ramón Vilasánchez.

Users may solely and exclusively use the material which appears on this website for their own personal and private use, and it is forbidden to use the contents for commercial purposes or in illegal activities. All intellectual property rights are expressly reserved by Ramón Vilasánchez.

Ramón Vilasánchez will watch over the compliance of the above conditions, as well as the correct use of the contents presented in its website, taking pertinent civil or criminal action in case of infringement of or non-compliance with these rights by the user.

3. Personal data protection

In compliance with the current legislation included in Organic Law 15/1999, of December 13, regarding Personal Data Protection (LOPD), whose aim is to guarantee and protect, with regard to the handling of personal data, the freedom and fundamental rights of physical persons, and especially their honour and personal privacy, Ramón Vilasánchez informs users that no personal details are requested or registered in this website.

4. Miscellaneous

A.- Ramón Vilasánchez use cookies which are stored on the user's computer. Cookies are small files which our computer sends to your computer, which do not provide us with any information regarding your name or any other personal detail. When the user surfs the website of Ramón Vilasánchez the server where it is hosted automatically recognises the IP address of your computer, the day and the time when the visit starts, when it ends, as well as information regarding the different sections visited. It is necessary for the server to receive this information in order to be able to communicate and send the request made, and so that users can see the website on their screen through their browser.

B.- Ramón Vilasánchez can modify, without prior notice, the information contained in its website, as well as its settings and presentation.

C.- Ramón Vilasánchez hereby undertakes NOT TO ENGAGE IN MISLEADING ADVERTISING. To these effects, misleading advertising does not include formal or numeric errors which may be found within the different sections of Ramón Vilasánchez's website, caused as a consequence of incomplete or faulty maintenance or updating of the information contained in these sections. Ramón Vilasánchez, in accordance with this paragraph, undertakes to correct these faults as soon as it has knowledge of them.

D.- Ramón Vilasánchez undertakes NOT TO SEND ADVERTISING CORRESPONDENCE WITHOUT IDENTIFYING IT AS SUCH, in accordance with Law 34/2002 on Information Society Services and Electronic Commerce. To these effects, no information sent TO THE CLIENTS of Ramón Vilasánchez will be considered as advertising correspondence, provided its object is to maintain the existing contractual relationship between client and Ramón Vilasánchez, as well as carrying out the tasks of information, training and other activities related to the service which the client has contracted from the company.

E.- Ramón Vilasánchez is not responsible for the non-compliance of any applicable norm by the user in their access to this website and/or in the use of the information contained in the website.

F.- Ramón Vilasánchez will not be responsible for any damages, whatever their nature, derived from the use of the information, the contents of this website and the programmes included in it. The links and hypertext, which, through this website, allow the user to access features and services offered by third parties, do not belong to and are not under the control of Ramón Vilasánchez; the company is not responsible for the information contained in these nor for any effect which may derive from this information.

G.- Ramón Vilasánchez is not responsible for the illegitimate use that third parties may make of the brand names, product names and trade names which are not property of Ramón Vilasánchez and appear in this website. Ramón Vilasánchez is not responsible for the integrity, veracity and legality of the contents of the web links which can be accessed from this website.

H.- Users are solely responsible for the use they make of the services, contents, links and hypertexts included in this website.

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What is exactly a Bank?

This simple question is not so easy to answer, even though most people know how a bank works, I think it might be interesting to read more about what is really a bank, and why they should have the support of government in difficult times like these.

It is quite common to hear how people, already furious of supporting the weight of the crisis and the cuts imposed on us from the Government, European Union and other financial institutions, seen as financial resources are decreasing, and are intended items of billions to rescue banks.


 I will not go to assess whether it is correct or not bail out the banks, or whether if there are alternatives, if any, to the rescue of the banks. What I want to provide them is a link to the article that discusses this in The Salmon Blog, a blog well recognized economic content.

I hope that for those who did not know how a bank runs, it might have been helpful to know them better. Finally, I would like to comment that I do not agree 100% with all content being linked, but in general terms, and overall it seems quite clear how to explain it.