GENERAL CONDITIONS
General Terms and Conditions
Neovexa S.L. · www.gruponeovexa.com
- Last updated:
- 13 October 2026
Identification details
These General Conditions are offered by:
Owner: Neovexa, S.L. (hereinafter, “Neovexa”)
CIF (tax ID): B22864516
Registered office: Plaza Sor Ángela de la Cruz, 4, 21400 Ayamonte (Huelva), Spain
Email: info@gruponeovexa.com
Telephone: +34 624 52 45 27
Web: gruponeovexa.com
Each Contribution is a direct contractual commitment between Neovexa and the Client: Neovexa is liable for the return of the capital and the payment of the Remuneration with all of its assets. Contributions are not bank deposits and, therefore, are not covered by the Fondo de Garantía de Depósitos (Deposit Guarantee Fund).
1. Definitions
Neovexa: Neovexa, S.L., identified above.
Client: the natural person of legal age or the legal entity that registers on the Platform and is accepted by Neovexa.
Platform: the website gruponeovexa.com and the Client Area.
Client Area: the private, password-protected space where the Client consults their Contributions, their remuneration and their documents.
Contribution: each sum of money that the Client hands over to Neovexa under a Contribution Agreement.
Contribution Agreement: the contract signed for each Solution, with its particular conditions: amount, term, remuneration and withdrawal rules.
Solutions: Neovexa’s products: N Libre, N4, N6, N8, NFUTURO and NX.
Remuneration: the return that Neovexa pays the Client for each Contribution, fixed or variable depending on the Solution.
Business Day: Monday to Friday, except national public holidays and public holidays in Ayamonte (Huelva).
2. Purpose and acceptance
2.1.These General Conditions govern access to the Platform, registration and the general relationship between Neovexa and the Client.
2.2.Each Solution is governed by its Contribution Agreement. In the event of conflict, the Contribution Agreement prevails as regards what is specific to that Solution.
2.3.The Client accepts these Conditions by ticking the corresponding box when registering. Neovexa will send them a copy on a durable medium (PDF by email) and will keep it available in the Client Area.
2.4.If the Client is a consumer, these Conditions are interpreted in accordance with Real Decreto Legislativo 1/2007 (General Law for the Defence of Consumers and Users) and Ley 7/1998 on General Contract Conditions. Doubts of interpretation shall be resolved in favour of the consumer.
2.5.Language: Spanish. Any translation is for information only.
3. Registration, verification and suitability
3.1.To register, the Client must be of legal age with full capacity, or a duly incorporated and represented legal entity.
3.2.In compliance with Ley 10/2010 on the prevention of money laundering and the financing of terrorism, Neovexa will ask for:
A valid identity document (DNI, NIE or passport).
Proof of address less than 3 months old.
A declaration and, where applicable, evidence of the source of funds.
Legal entities: deeds, CIF, the representative’s powers of attorney and the beneficial owner.
A declaration of politically exposed person status, if applicable.
3.3.Before the first Contribution, the Client will complete a suitability test on their knowledge, experience, financial situation and objectives. If the result indicates that a Solution does not fit their profile, Neovexa will warn them in writing and may decline to accept the Contribution.
3.4.The Client warrants that the information provided is truthful and undertakes to update it when it changes.
3.5.Neovexa may refuse a registration on stated grounds, in particular for failing the identity or source-of-funds verification.
3.6.Access credentials are personal. The Client must keep them safe and notify Neovexa immediately if they suspect unauthorised use.
4. Account statuses
| Status | When it applies | What the Client can do |
|---|---|---|
| Active | Verification completed | All transactions |
| Restricted | Documentation expired or pending update | View and withdraw; make no new Contributions |
| Blocked | Reasonable indications of fraud or money laundering, court or administrative order | View only, until the cause is resolved |
| Closed | Termination of the contract (clause 15) | None; balances are settled |
4.1.Neovexa will give written notice of the change of status, its reason and how to resolve it, unless the law prohibits it.
4.2.During restriction or blocking, Contributions continue to earn the agreed Remuneration, unless a legal or judicial mandate provides otherwise.
4.3.The change of status does not give rise to any fees.
5. Contributions
5.1.Contributions are made only by transfer from a bank account in the Client’s name to the Neovexa account stated in the Contribution Agreement. Cash payments and payments from third parties are not accepted.
5.2.Currency: euros (EUR) in all Solutions, except NX, which always operates in US dollars (USD). Currency exchange costs charged by the Client’s bank are for the Client’s account.
5.3.A Contribution is considered received when the funds are credited to Neovexa’s account. Remuneration starts to accrue from that day, unless the Contribution Agreement says otherwise.
5.4.The funds contributed become part of Neovexa’s assets, which Neovexa manages on its own account. In return, Neovexa assumes the obligation to return the capital and pay the Remuneration on the terms of each Contribution Agreement.
6. Solutions, Remuneration and risks
| Solution | Remuneration | Currency | Main conditions |
|---|---|---|---|
| N Libre | 3 % fixed annual | EUR | Term and withdrawal rules according to its Contribution Agreement |
| N4 | 4 % fixed annual | EUR | Term and withdrawal rules according to its Contribution Agreement |
| N6 | 6 % fixed annual | EUR | Term and withdrawal rules according to its Contribution Agreement |
| N8 | 8 % fixed annual | EUR | Term and withdrawal rules according to its Contribution Agreement |
| NFUTURO | 6 % fixed annual | EUR | Minimum monthly Contribution of €100 from signing; minimum term of 5 years, extendable in steps of 2 years (5, 7, 9, 11…) |
| NX | Variable, not guaranteed | USD | Single and/or monthly Contribution |
6.1.The figures in this table are indicative. The binding conditions are those of the signed Contribution Agreement.
6.2.Neovexa allocates the funds to algorithmic trading on indices, currencies and commodities, with an uncorrelated portfolio.
6.3.The Client declares that they only contribute money that they can leave tied up for the agreed term and whose loss does not jeopardise their financial situation.
7. Withdrawals and early cancellation
7.1.At maturity, Neovexa returns the capital and the outstanding Remuneration, less tax withholdings (clause 8), to the Client’s bank account within a maximum of 10 Business Days.
7.2.Early cancellation is only possible where the Contribution Agreement allows it, with the penalty stated in it. The penalty may never exceed the accrued and unpaid Remuneration plus 2 % of the capital.
7.3.Withdrawals are always paid to the same bank account from which the Contribution was made, or to another account held by the Client that has been verified beforehand.
7.4.Right of withdrawal. If the contract is concluded at a distance with a consumer, the Client may withdraw without penalty within 14 calendar days after signing, in accordance with Ley 22/2007 on the distance marketing of financial services. This right does not apply to NX, whose outcome depends on fluctuations in the financial markets that Neovexa does not control (Art. 10.2.a of Ley 22/2007).
8. Taxation and withholdings
8.1.The Remuneration paid by Neovexa is considered, for tax purposes, income from movable capital arising from the transfer of capital to third parties.
8.2.Neovexa is required to withhold tax on account on the Remuneration at the time it is paid or credited to an account, at the rate in force at the time:
| Type of Client | Tax | Withholding applied by Neovexa (according to law) | Client’s final taxation | Rule |
|---|---|---|---|---|
| Natural person resident in Spain | IRPF (personal income tax) | 19 % | From 19 % up to 30 %, according to the scale in clause 8.6 | Ley 35/2006, arts. 25.2, 66 and 101; RIRPF, art. 90 |
| Legal entity resident in Spain | Corporate Income Tax (Impuesto sobre Sociedades) | 19 % | According to its Corporate Income Tax rate | Ley 27/2014, art. 128; RIS, art. 63 |
| Non-resident without a permanent establishment | IRNR (non-resident income tax) | 19 %, or the reduced rate or exemption that applies | According to the law of their country and the double taxation treaty | RDL 5/2004 and treaty, where applicable |
8.3.Neovexa will pay the Client the net Remuneration, that is, after deducting the withholding, and will pay the amount withheld to the Agencia Tributaria (Spanish tax authority) using forms 123 and 193 (residents) or 216 and 296 (non-residents).
8.4.In January of each year, Neovexa will make available to the Client in the Client Area a withholding certificate showing the gross Remuneration, the withholding applied and the net Remuneration of the previous year.
8.5.To apply a reduced rate or an exemption, the non-resident Client must provide, before payment, a valid tax residence certificate issued by the authority of their country. Without it, Neovexa will apply the general rate.
8.6.The withholding is a payment on account, always at 19 % whatever the amount. In their tax return (declaración de la Renta), a Client who is a natural person is taxed on the Remuneration according to the following scale.
IRPF scale 2026 — taxable savings base
| Taxable savings base | Rate |
|---|---|
| Up to €6,000 | 19 % |
| From €6,000 to €50,000 | 21 % |
| From €50,000 to €200,000 | 23 % |
| From €200,000 to €300,000 | 27 % |
| More than €300,000 | 30 % |
The difference between the withholding (19 %) and the final tax is settled by the Client themselves in their return. The Client is responsible for their final taxation. Neovexa does not provide tax advice.
Example: a Client receives €10,000 of Remuneration in the year.
| Item | Calculation | Amount |
|---|---|---|
| Withholding applied by Neovexa | €10,000 × 19 % | €1,900 |
| Income tax: first band | €6,000 × 19 % | €1,140 |
| Income tax: second band | €4,000 × 21 % | €840 |
| Total tax | €1,140 + €840 | €1,980 |
| To pay in the return | €1,980 − €1,900 | €80 |
The example assumes that the Client has no other savings income that year.
Source of the scale: Punto Fiscal, fiscalidad de depósitos 2026.
8.7.If the withholding rate changes by law, Neovexa will apply the new rate from its entry into force, without this amounting to an amendment of these Conditions.
8.8.In NX, if in a period the Remuneration is zero or negative, no withholding is applied in that period.
9. Fees and expenses
9.1.Registration, account maintenance and use of the Client Area are free of charge.
9.2.Only the fees and penalties expressly stated in the Contribution Agreement of each Solution apply. Neovexa will not charge any amount that the Client has not previously accepted.
9.3.Charges made by the Client’s bank for transfers or currency exchange are for the Client’s account.
10. Client obligations
The Client undertakes to:
Provide truthful information and keep it up to date.
Contribute only funds that are lawfully sourced and their own.
Not act on behalf of third parties without disclosing it.
Keep their access credentials safe.
Not use the Platform fraudulently or contrary to the law.
Read each Contribution Agreement and the risk warning before signing.
11. Liability
11.1.Neovexa is liable for the performance of its obligations to return the capital and pay the Remuneration on the terms of each Contribution Agreement.
11.2.Neovexa is not liable for:
The variable results of NX, within what is agreed in its Contribution Agreement.
Interruptions of the Platform due to maintenance, force majeure or third-party failures beyond its control, without prejudice to the payment obligations.
Damage caused by misuse of the Client’s credentials for reasons attributable to the Client.
The tax consequences of their Contributions for the Client.
11.3.Nothing in these Conditions limits Neovexa’s liability for wilful misconduct or gross negligence, or the rights that the law grants to consumers on a non-waivable basis.
12. Data protection
12.1.Neovexa is the controller of the Client’s personal data, in accordance with Regulation (EU) 2016/679 (GDPR) and Ley Orgánica 3/2018 (LOPDGDD).
12.2.Purposes and legal bases:
Managing the contractual relationship (performance of the contract).
Identity verification and money-laundering prevention (legal obligation).
Withholdings and returns to the Agencia Tributaria (legal obligation).
Commercial communications, only with express consent.
12.3.Data is kept for as long as the relationship lasts and, afterwards, for the legal periods: 10 years for money-laundering prevention and the tax and commercial limitation periods.
12.4.Data is only disclosed to the Agencia Tributaria, to SEPBLAC, to judges and to the authorities where the law requires it, and to Neovexa’s providers under a data processor contract.
12.5.The Client may exercise their rights of access, rectification, erasure, objection, restriction and portability by writing to info@gruponeovexa.com, and may lodge a complaint with the Agencia Española de Protección de Datos (aepd.es). The details are set out in the Privacy Policy on the website.
13. Communications
13.1.Communications will be made in writing, in Spanish, to the email address provided by the Client and through the Client Area. Both parties accept this means as valid.
13.2.Neovexa will never ask the Client for their passwords or for transfers to accounts other than those stated in the Contribution Agreement.
14. Amendment of the Conditions
14.1.Neovexa may amend these Conditions because of changes in law, tax, technology or its services, giving at least 2 months’ notice.
14.2.If the Client does not agree, they may terminate the contract before the date the amendment comes into force, without penalty or cost. In that case, Neovexa will return the capital and the accrued Remuneration within a maximum of 30 days.
14.3.Amendments do not affect the economic terms of Contribution Agreements already signed, unless the Client expressly agrees.
15. Duration and termination
15.1.These Conditions are of indefinite duration and remain in force while the Client has an account on the Platform.
15.2.The Client may close their account at any time. Contributions still running will be governed by their Contribution Agreement until maturity or cancellation.
15.3.Neovexa may terminate the relationship with 2 months’ notice, or immediately in the event of a serious breach by the Client or where required by law. In any case, it will return the capital and the accrued Remuneration, without penalty to the Client where the cause is not attributable to them.
16. Complaints
16.1.The Client may submit a complaint at info@gruponeovexa.com or by post to the registered office. Neovexa will reply in writing within a maximum of 30 days.
16.2.Complaint forms (hojas de reclamaciones) are available to the consumer. The consumer may also apply to the Junta Arbitral de Consumo (consumer arbitration board) or to the European online dispute resolution platform.
17. Governing law and jurisdiction
17.1.These Conditions are governed by Spanish law.
17.2.If the Client is a consumer, the courts of their place of residence have jurisdiction. If not, the parties submit to the courts of Ayamonte (Huelva).
17.3.If any clause is declared null and void, the remainder will remain valid.