Terms & Conditions – Party Backpackers

General terms and conditions of the website

Access to and use of this website implies acceptance of the terms and conditions detailed below, as well as the website policy of privacy. Both texts expose as clearly as possible the conditions that will govern the services we offer. Therefore, we recommend a careful reading of them and their legal links, and not providing personal data on the website in case of having any type of doubt.

1. About the websites

SHUTTLE99 is a company that provides information services to consumers through different brands and domains:

  • MiSolvencia.es, in the field of financial services and products.
  • CreditoTitan.mx, in the field of financial services and products.
  • SalirDeDeudas.mx, in the field of financial services and products.
  • CreditoTitan.co, in the field of financial services and products.
  • SalirDeDeudas.co, in the field of financial services and products.
  • Creditoggi.it, in the field of financial services and products.
  • MamboCredit.com, in the field of financial services and products.
  • Pid0.com.ua, in the field of financial services and products.
  • ZaymyOnline.kz, in the field of financial services and products.
  • JamforKredit.se, in the field of financial services and products.
  • Efete.ar, in the field of financial services and products.
  • Dinerete.es, in the field of financial services and products.
  • Prestu.es, in the field of financial services and products.
  • Cocheaval.es, in the field of financial services and products.
  • Bankloan.ph, in the field of financial services and products.
  • PartyHostels.org, in the field of tourism services and products.
  • BookBeachResorts.com, in the field of tourism services and products.
  • PartyBackpackers.com, in the field of tourism services and products.

The names of the domains belong to the company SHUTTLE99 OÜ, (hereinafter “SHUTTLE99”) with registration number 14247767 and registered office at Sepapaja 6, 15551 Tallinn, Estonia.

Address: Sepapaja 6 – 15551 Tallinn, Estonia
Telephone: +34 958 99 38 07
E-mail contact: informacion@misolvencia.es

All websites are intended to facilitate decision-making in the scope of certain products, being able to offer different available options, services provided by third parties, and serve as a guide to understand which one best suits your needs. The contents and general information about the products will be provided directly by SHUTTLE99, by third-party users of the websites and / or third-party service providers and contents.

The websites collect proposals from third parties, including but not limited to: personal loans, online advances, Credit cards, Bank accounts, mortgages, debit cards, help services for those reported to delinquency lists, credit comparison services, credit intermediation services, debt relief or relief services, insurance, Pawnshops, reservation of hostels, reservation of hotels and other tourist accommodation, reservation of tourist activities, and other financial and tourist services. SHUTTLE99 does not provide financial services or any other kind of the previously listed services on its behalf.

In all cases, it will be up to the User to use said information correctly and for the interests that the User considers appropriate by giving full compliance with those established in the applicable conditions.

2. Informational purposes of the website

The websites are created for informational purposes only and do not constitute an offer to use the products or services mentioned on this Website. SHUTTLE99 does not assume any responsibility for the decisions the user may make based on the information presented on this Website. Also, we are not responsible for any damage that may be caused by the use of the information displayed on this Website. In this sense, the information and opinions contained in the SHUTTLE99 sites do not represent a request or offer of sale or acquisition of products (financial, tourism or other) of any kind. They do not represent a recommendation or offer of advice about such products.

3. Rules of use of the website and services.

Access to the Website is free for the User and does not require prior subscription or registration. However, the use of some services provided through the Website may only be carried out by subscription, registration or contracting by the User. Provision of these services will also be subject to the particular conditions established by SHUTTLE99 (which must be accepted prior to the provision of services) and, on some occasions, to the payment of a price for the services received.

Through the Website, SHUTTLE99 provides the User with access and the use of various services, content and general information, which will be provided directly by SHUTTLE99, by third party users of the Website and / or third-party service and content providers, so it will be up to the User to use said information correctly and for the interests that the User considers appropriate in full compliance with the established in the applicable conditions.

The User agrees at all times to use the Website in accordance with these General Conditions and with the current legislation. In order to modify their data or their access profile, the User must use the update tools established on the Website. Particularly, and as an illustrative not limiting manner, in relation to the Website, the User must NOT:

  • Register or communicate data that is not true, exact, complete and / or updated.
  • Access the Website using the name or password of another User or impersonate any person or identity.
  • Use the Website for uses other than personal use and private and for the mere private and personal access to the information offered by SHUTTLE99.
  • Restrict or prevent any other User from using the Website.
  • Send or disseminate information, codes or content that may reduce, impair, disrupt or prevent the normal use of the Website by of any User, and / or that may damage or harm the equipment or the property of SHUTTLE99, third-party providers or other Users, including, without limitation, malicious applications, viruses, logic bombs, mass sending of messages, etc. SHUTTLE99 reserves the right to delete information sent by a User, in order to maintain optimum quality of use of the Website.
  • Introduce advertising, directly or indirectly, of any type, of their own or of third parties on the Website or in the provision of the services of SHUTTLE99 or send commercial communications of any kind to other Users, to SHUTTLE99 or to third parties in any way.
  • Store, download or copy personal data the User could have access to through the Website, except for those cases in which SHUTTLE99 expressly allows it by reason of the provision of the services.
  • Introduce content or data that could be offensive to other Users of the websites or to any third party, or that violate the present conditions, the particular conditions of each service or any regulation that may be applicable (including data protection and intellectual property regulations, among others). Any comment must also respect minimum standards of etiquette and good manners and avoid using aggressive, derogatory, threatening, or injurious language that could violate the rights of third parties.

In case SHUTTLE99 by any means had knowledge of any fraudulent use or use against the General Conditions or Individuals Conditions of the Website or the services by the User, SHUTTLE99 reserves the right to expel the user as well as to prohibit them from accessing and using the Website and services, without prejudice to the legal actions that may correspond according to the law. (i.e. compensation for damages, etc.).

The User is the sole responsible for the use of the website made by third parties from the device / s owned by the User, so they must take the appropriate measures to ensure that the use of this page by said third parties complies with the provisions of these terms and conditions.

The user agrees not to intentionally transmit viruses or harmful material to the website, not to use any type of software or other elements to interfere or influence the operation of the website, not to alter, try to decipher or modify it, or apply any type of engineering or technology to the software that integrates it, as well as not to reproduce the entire website or part of it without the prior written consent of SHUTTLE99.

Service users

The websites are intended for users temporarily or permanently residing or established in this country, , who access it from this country having reached the legal age according to its legislation: 18 (eighteen) years. For this reason, the adequacy of the content and information offered on this website may be inappropriate or not conform to the legal requirements established for its access and its use from other countries.

In order to register on the website, the user must be over 18 (eighteen) years old and under 85 (eighty-five) years old.

4 fundamental services

The hiring of these services is a fundamental part of the value proposition by SHUTTLE99.

4.1 Solvency report service

Through this service, the user obtains the information of the databases accessed by SHUTTLE99 by account and by request of the user. These databases are external to SHUTTLE99 and are usually identified in the market as delinquent files: ASNEF, S.A. (National Association of Credit Financial Establishments), and the Experian-BADEXCUG database.

This service in any case assumes that the user provides their personal data to the Website in order to provide them with information services in accordance with the User’s personal data, which will necessarily consist of:

  • Name and surname.
  • ID number.
  • Mobile phone number.
  • Email address.
  • Postal address.
  • Date of birth.

These services must be contracted personally, meaning that each user can only request this service for and by themselves.

The user declares to be aware of the fact that the provision of consent implies that SHUTTLE99 can consult, access and process the personal data that could be found in the DATABASE consulted by SHUTTLE99 and that said consent is legally essential for the correct provision of the service by SHUTTLE99.

The user is knowledgeable of the fact that, as independent third parties intervene in the provision of the service, the service might not be completed satisfactorily, which would not affect the personal information that would have already been incorporated into the files of SHUTTLE99 for the provision of the other services contained in these general conditions.

This service is free. It is not necessary to make a payment to SHUTTLE99 for the use of this service.

4.2 Sending information to loan providers and intermediaries

Through this service, the user can share their information with different providers of loans and intermediaries. The delivery of this information will be done in a secure way and will allow the loan providers and intermediaries to make a decision for a loan to be granted. SHUTTLE99 does not make any decision regarding the granting of loans. SHUTTLE99 also will not communicate whether a loan has been granted or not.

In order to submit your information, you have to fill in all the information on the application form. The user accepts and expresses their consent for SHUTTLE99 to use their data for a loan to be granted. SHUTTLE99 may send you reminders to finish your application process on the SHUTTLE99 website or at third party websites.

SHUTTLE99 will decide whether to send your data to one or more financial services companies. SHUTTLE99 uses its own logic and algorithms to make this decision.

This service is free. It is not necessary to make a payment to SHUTTLE99 for the use of this service. Loan providers and intermediaries pay SHUTTLE99 a commission for sending applications or granting loans to users referred by SHUTTLE99.

5 Information

SHUTTLE99 guarantees the legitimacy of the sources used in the elaboration of its information products, the procedures carried out for their creation, as well as the legality in obtaining the data, whose collection, when necessary, complies with the Organic Law 15/1999 on the Protection of Personal data. However, the user undertakes to observe the provisions of said Law, when necessary.

5.1. Use of information

All the information provided to the USER by SHUTTLE99 as a result of the provision of the services listed in the previous stipulations will have confidential character and will be supplied for the exclusively personal, non-commercial use of the user, based on a Use License granted by SHUTTLE99.

Consequently, the user may not in any case disclose said information in any type of support, nor provide it to any person or persons who are not part of the user’s corporate or labor structure, or transfer, assign, sublet, sub-license, sell or perform any other act of provision of data, either free or paid for.

The user will be the sole responsible for the consequences that may arise from such actions, as well as for the safeguarding of the Information provided, having to take the appropriate security measures to protect it against not allowed access or dissemination. The user will refrain from requesting information knowing that it will be used by third parties, and to voluntarily or negligently allow third parties to make such requests.

Likewise, the user assumes all civil, criminal and administrative liability that could legally derive from a fraudulent, malicious, or negligent use of the services provided by SHUTTLE99 in the scope of the provision of this service. In this sense, the user will hold harmless, and will indemnify SHUTTLE99 for any economic damage that may arise as a result of the fraudulent, malicious, or negligent use of the services provided by SHUTTLE99 in the scope of the provision of this service.

SHUTTLE99 reserves the right to cancel the access codes and the provision of information by reason of the violation or breach by the user of any of the obligations of use of the information.

SHUTTLE99 reserves the right to use the information for the purposes described in the Privacy Policy.

5.2 Information exchanged with third parties

The user’s data and personal information may be shared with companies affiliated with SHUTTLE99, without prejudice that other entities may be added in the future. The data and relevant information may be transferred in the event of a change in ownership of the business or assets in our possession. The appropriate limitations and obligations required to protect the information will be imposed on these third parties.

The institutions affiliated with SHUTTLE99 reserve the right to use the information in order to contact the user and offer different products and services that may possibly be of the user’s interest.

6. Limitation of liability

6.1 Exclusion of guarantees and responsibility of the Website

The Website is provided to the User “as is” so the access and / or use of the Website as well as the request for information and use of the services are always carried out under the responsibility of the User and attending to the conditions that SHUTTLE99 establishes in any case. The User will keep harmless and will indemnify SHUTTLE99 from any damages or losses in which they could incur with respect to any breach of these General Conditions.

The information provided by the Website has been prepared or obtained from sources considered safe. However, SHUTTLE99 cannot guarantee the reliability and correctness of the information, whether it is its own or provided by third parties since SHUTTLE99 does not have control over it. Since the information contained in the Website may be modified by financial institutions, the conditions of the market or by third parties at any time and without prior notice, it is recommended to verify it before the subscription, application or contracting of any product or service associated with such information. SHUTTLE99 does not take responsibility for any discrepancies or divergences that may arise between the information in the SHUTTLE99 database and that offered by the financial entities or any third parties.

The data provided by SHUTTLE99 are recommendations, suggestions and opinions for informational purposes, which are intended to serve as a guide to the User and help them understand the financial products shown, by no means constituting professional advice that may serve as a decisive element in decision making. The determination to follow the recommendations obtained on the Website is exclusively the User’s, therefore SHUTTLE99 IS NOT LIABLE FOR DECISIONS MADE BASED ON SUCH INFORMATION.

Up to the maximum allowed by law, SHUTTLE99 does not assume any kind of responsibility for any loss or damage (including but not limited to any type of direct, indirect or consequential damage or loss, loss of business, data -including those of the User-, contracts or benefits, loss or damage related to computer programs or equipment) that may arise from access or use or the inability to access or use the Website or any part of it, whatever the cause, including the inaccuracy of the information contained in the Website, the damages that may be product of the access to the Website by the User, including the connection problems with the Service, the communication of their data to third parties providers of certain services, among others.

Likewise, SHUTTLE99 is not responsible for the services or content of third-party collaborators that can be accessed through the Website. Furthermore, SHUTTLE99 does not assume any responsibility derived from the lack of veracity, correctness or precision of the information or any other information provided by third parties through the Website (including as third parties, other participants or Users, collaborators of SHUTTLE99, among others).

6.2 Exclusion of guarantees and liability for Website maintenance

Although all necessary security measures have been taken, SHUTTLE99 does not warrant that the Software or other items, files or content of the Website do not contain any errors, that their access or use is uninterrupted, or that it may not be infected by viruses or any other element that has destructive or harmful properties, and therefore SHUTTLE99 does not accept any responsibility in this regard. In case of maintenance, repair, update or improvement operations of the Website or any of its elements, SHUTTLE99 reserves the right to suspend access to this Website and to the services provided through it temporarily and without prior notice. However, SHUTTLE99 will make its best efforts to have such operations interfere as little as possible with the provision of the Website and its services.

6.3 Exclusion of guarantees and responsibility for accessing third party websites

The Website may make available to Users links to websites belonging to third parties, in order to facilitate the search and access to information available on the Internet. The inclusion of such links does not imply that there is any kind of link or association between SHUTTLE99 and the operators of those sites. SHUTTLE99 does not previously control, approve, or own the services, information, data, files, products or any kind of material on third-party sites. The User, therefore, must exercise extreme caution in the evaluation and use of services, information, data, files, products and any kind of existing material on third party sites.

SHUTTLE99 does not guarantee or assume any responsibility for the use, access or any damages caused to the User by the use of the websites or services provided by third parties and recommends consulting and reviewing the conditions of use and privacy of any websites whose links may be found on this Website prior to carrying out any request or use of the services.

The user is not authorized to link their website / s, on his own or on third parties’ account, without our prior written authorization. To do this, they must contact the customer service by sending the timely request, which we will evaluate and resolve at our discretion. Direct (“active”) links to graphic and / or written content posted on the websites, hypertext links, deeplinks, and the content linked by framing, by switching or by any another method are herein included.

6.4 Use of content by third parties

SHUTTLE99 does not guarantee that Users use the Website, services and contents in accordance with the law, these General Conditions and, where appropriate, the Particular Conditions, the generally accepted morals and good manners and order public, nor that they use it diligently and prudently. Therefore, SHUTTLE99 does not accept any responsibility for the behavior of the Users or the use they make of the information or contents of the Website.

6.5 Identity of Users

SHUTTLE99 does not control or offer any kind of guarantee on the identity of the Users, nor on the veracity, validity, completeness and / or authenticity of the data that Users provide about themselves and provide or make accessible to other Users, so it does not assume any responsibility in this regard.

6.6 User Reviews

SHUTTLE99 is not responsible for the opinions expressed by its Users.

7. Personal data and use of cookies

To access certain services, it is necessary that the User provides certain personal information that SHUTTLE99 will incorporate into a file of its ownership. SHUTTLE99 will act in scrupulous compliance with the provisions of the applicable regulations regarding data protection and especially the provisions of the Organic Law 15/1999, Protection of Personal Data (LOPD) and its development regulations.

Also, this website (as the vast majority of websites) use cookies to improve the user experience user and offer a better service. These cookies (files that allow identifying the user’s device on our servers) are used to compile statistical data on the traffic received on the site and in each of its pages, providing information about how the users and / or visitors use them. The user can avoid the use of cookies appropriately configuring their web browsing tools, although this limits access possibilities, functionalities and services offered on the website.

The User can consult how SHUTTLE99 will treat the personal data and the use of cookies by accessing the Privacy Policy.

8. Intellectual property

All the contents and elements of this website, including but not limited to, texts, drawings, trademarks, domain names, logos, graphics, animations, source codes, applications or any other item are owned by SHUTTLE99 or its licensors. Their reproduction, transformation, distribution or public communication, as well as any other act of disposition is strictly prohibited, unless you have the corresponding authorization from SHUTTLE99. The User only has a strictly private right of use, exclusively for the purpose of making use of this website and the services in accordance with these General Conditions and the Particular Conditions that govern the provision of services.

Regarding any program or computer application (“Software”), as well as their contents, which may be accessible through this website, SHUTTLE99 offers the User a personal and non-transferable license to use the Software and the contents for the exclusive purpose of this website and the services’ use, without prejudice to the fact that the Particular Conditions may establish another specific license that the User must accept and which will prevail. In any case, it is strictly prohibited to copy, transform, distribute, publicly communicate or any other act of provision or modification of the Software and the content unless they have the corresponding authorization from SHUTTLE99 or its corresponding owner.

The User agrees to use the contents and elements to which they may have access through this website for their own use and needs, and under no circumstances to carry out a direct or indirect commercial exploitation of them. It is expressly forbidden to delete, evade or manipulate any data or identification marks of the rights of the owner of this website or of their holders incorporated into the contents. Access to content inserted in this website does not imply an authorization, on the part of SHUTTLE99, any more beyond the one specifically granted in this clause.


The access and the availability of this website and the provision of other services has an indefinite duration. SHUTTLE99, however, is in its right to terminate, suspend or interrupt unilaterally, at any time and without the need for prior notice, this website’s access and availability and / or the provision of any of the services, without prejudice to what has been provided in this regard in the corresponding Particular Conditions.

SHUTTLE99 reserves the right to unilaterally modify, in any time and without prior notice, the presentation and configuration of this website as well as to update, modify or delete the information contained in this website, the services and the conditions required to access or use this website and its services. The use or access to the Website or to the services will imply the acceptance of the new conditions from the same moment they occur.

SHUTTLE99 reserves the right to review, at any time and without prior notice, on its own initiative or at the request of a third party, the content transmitted, disseminated or made available to third parties by users and to prevent its transmission, dissemination or availability to third parties in the case that, in its opinion, they are contrary to the provisions of these General Conditions or the specific applicable conditions.

If any clause of these General Conditions or of the Particular Conditions were declared totally or partially null or ineffective, only said provision or part of it that results null or ineffective will be affected, the rest of the General Conditions remaining unaffected.

10. Applicable law

This document and its different sections, referring to the terms and conditions of use of this website, are governed and interpreted in accordance with the legislation of Estonia. The competence for the resolution of any dispute about this document falls not exclusively under the jurisdiction of the Estonian court.

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