Legal notice

Caixabank, S.A. (“CaixaBank”) is the owner of the CaixaBank portal or website you have entered.

Accessing the CaixaBank portal or any of its websites and information about any of the products and services contained therein entails acceptance of the general terms and conditions laid down in this Legal Notice. Therefore, you should read its contents carefully before accessing or using the information and services offered in the CaixaBank portal or any of its websites.

Validity of the information and content

The information contained in these pages is valid as of the date of the latest update.

These terms and conditions are valid from the date of the latest update. CaixaBank reserves the right to modify them at any time. Changes to the terms and conditions become effective on the date they are posted and are applicable to all users of the portal or the websites from that date.

The content of any of the web pages, especially references to information or advertising, does not constitute a binding offer, unless otherwise explicitly indicated. CaixaBank reserves the right to modify or omit part or all of the current content whenever it deems fit, and to prevent or restrict access temporarily or permanently.

CaixaBank may include third-party content and hyperlinks to third-party web pages (e.g. social networks and other information) on any of its websites. CaixaBank accepts no responsibility for any third-party pages or content, or their operation or availability.

Browsing and customisation

Simple browsing through the CaixaBank websites is free and does not require previous registration by the user. However, user registration may be required to access, contract or use certain products or services. In these cases, each product and service has it owns specific terms and conditions, without prejudice to the terms and conditions laid down herein.

In some of the portals or websites, users may customise the pages, including different screen backgrounds, or configure access to their favourite products and services to make browsing and finding the resources used more efficient, functional and, accordingly, adapted to their preferences and uses.

Security

The CaixaBank portal and websites contain the necessary security and quality certifications, seals or accreditations to offer users a secure environment. Nevertheless, we recommend that you consult and carefully read the Security Recommendations that CaixaBank makes available for all users on its portal.

Privacy and data protection policy

CaixaBank fully complies with prevailing personal data protection legislation and the confidentiality commitments inherent in banking.

CaixaBank has adopted the technical measures necessary to maintain the required level of security in accordance with the nature of the personal data processed and the circumstances of the processing, with the aim of preventing, or minimising depending on the state of the technology, any alteration, loss, unauthorised processing or access.

When customers or users are asked to fill in a form that includes personal data, they will be informed about the recipient of the data, the purpose for which the data are gathered and the identity and address of the person in charge of the file, as well as of the ability to exercise their rights of access, rectification, cancellation and opposition to the processing of their data. The personal data collected will only be processed and/or disclosed for the stated purpose and always with the consent of the user or customer.

In order to keep the information in our files up-to-date and free of errors, we ask our customers and users to notify us promptly of any changes or corrections to their personal data.

Cookies policy

CaixaBank web pages use cookies, which are small data files stored on the user's or customer’s computer that allow our systems to remember characteristics or browsing preferences on our web pages. They can be used to personalise access in subsequent visits, increase browsing security, or gather statistical information on what users have browsed and to know their preferences.

The CaixaBank cookies policy is subject to prevailing EU and Spanish legislation concerning the processing of personal data and the protection of privacy in the electronic communications sector. In accordance with this legislation, CaixaBank will inform users of the cookies it uses on each of its websites (“Information about cookies used”) and, where necessary, it will request your content to use them.

Mobile portals and geolocation

Some of the CaixaBank web pages are adapted for use on mobile devices. Therefore, the presentation and contents of the various mobile applications may not coincide with, or reflect precisely, those of the portal or the various websites.

In addition, some web pages adapted for mobile devices or applications may support geolocation services, with the purpose of determining the location of the device at all times, when users activate the function. In this way you can access the services that require geolocation and that CaixaBank has available.

Users must switch on the geolocation function on their mobile device to access these services. It can be switched off at any time.

Intellectual and industrial property

The CaixaBank portal and web pages, the pages they contain and the information and elements contained therein include text, documents, photographs, drawings, graphical representations, databases and computer programmes, as well as logos, brands, trademarks and other distinctive signs that are protected by intellectual or industrial copyright owned or licensed by CaixaBank or companies in its Group.

CaixaBank makes no representation as to the legality or lawfulness of the information or elements contained in CaixaBank web pages that are not owned by CaixaBank or companies of its Group.

Forbidden and permitted uses

The use, including reproduction, distribution, transmission to third parties, public communication or conversion, of these elements, creations or distinctive signs in any medium without the prior express consent of the respective owners is forbidden. Failure to comply with this prohibition may constitute an infraction punishable under prevailing legislation.

However, users may, at their own risk, download or copy such elements exclusively for their personal use provided that this does not infringe on any intellectual or industrial property rights held by CaixaBank. In particular, users may not alter, modify, or delete these elements, in whole or in part. In no circumstance does this imply any authorisation or license to the property rights of CaixaBank or companies of its Group.

Establishing links or hyperlinks from third-party portals or web sites to CaixaBank web pages other than the home page of its portal, or presenting the web pages of CaixaBank or the information therein under frames, distinctive signs, brand names or business or trade names of another person, company or entity is prohibited unless expressly authorised by CaixaBank.

Financial and stock market information

The CaixaBank portal or websites do not provide any investment recommendation, or any legal, tax or other kind of advice. The information provided is generic and in no circumstance takes into account specific or particular investment or financial position objectives. Accordingly, the information contained therein must not for the basis of any investments or decisions.

Any decision to subscribe, purchase or sell trade securities must be taken based on public information.

The contents of the web pages do not constitute an offer to sell shares in the United States of America. Shares may not be offered, sold or subscribed in the United States of America without prior registration or exemption from registration in accordance with the US Securities Act of 1933.

Liability

CaixaBank makes no warranty regarding continuous access or the correct viewing, download or utility of the elements and information contained on CaixaBank web pages, which may be prevented, hindered or interrupted by factors or circumstances beyond its control.

CaixaBank assumes no liability for the information and other content that are part of third-party spaces or web pages and are accessible from CaixaBank web pages through links or hyperlinks. It takes no responsibility for the information and other contents that are part of third-party spaces or web pages from which there is access through links or hyperlinks to the CaixaBank portal or to any of its web pages or for the information and other contents on any third-party web page presented under the appearance and distinctive signs of CaixaBank without the explicit authorisation of the latter.

Neither CaixaBank nor its information suppliers as third parties accept any liability for the information, contents of any kind, products or services offered or provided through the CaixaBank web pages by third persons or entities, irrespective of whether these may belong to the same economic Group. In particular, they accept no responsibility for any damage or prejudice that, related to the foregoing, may be caused by: (i) the absence of or deficiency in the information provided to users, or its reliability, accuracy or adequacy; ii) non-compliance or partial or untimely compliance with contracts or pre-contractual relationships; iii) non-compliance with the obligations inherent in service providers of the information society; iv) infringement of consumer and user rights; v) infringement of intellectual and industrial property rights; performance of acts of unfair competition or illegal advertising; vi) infringement of rights to data protection, professional secrecy, honour, personal and family privacy and personal images; vii) in general, non-compliance with any applicable laws, customs or codes of conduct; and viii) any decision taken based on information supplied through the CaixaBank portal.

Neither CaixaBank nor the suppliers of information as third parties accept any responsibility for damage, prejudice, losses, claims or expenses, caused by: (i) interference, interruptions, failures, omissions, telephone breakdowns, delays, blocks or disconnections in the operation of the electronic system caused by defects, overloads or errors in the telecommunications lines or networks, or by any other reason beyond the control of CaixaBank; (ii) illegal interference through the use of malicious programmes of any kind or through any communications medium, such as computer viruses or similar; iii) inappropriate or improper use of CaixaBank web pages; (iv) security or browsing errors caused by a browser malfunction or the use of outdated versions of it.

Applicable legislation

These general terms and conditions are governed by Spanish law.


© Caixabank, S.A. 2019.