Access to the portal or to any of the CaixaBank websites and to the information relating to any of the products and services contained therein implies acceptance of the general conditions set forth in this Legal Notice. You should therefore read the contents carefully if you wish to access and make use of the information and services offered on the portal or on any of the CaixaBank websites.

information validity

The information contained in these pages is correct at the time it was last updated.

These terms and conditions have been in force since they were last updated. CaixaBank reserves the right to modify them at any time, in which case these changes will enter into force on their publication and will be applicable to all users of the portal or websites from this date.

The content of any of the website pages, especially information and publicity, does not constitute a binding offer, unless expressly stated otherwise. CaixaBank reserves the right to introduce modifications or omit in part or fully the current contents whenever it deems appropriate and to prevent or restrict access temporarily or permanently.

CaixaBank can include on any of its websites contents from third parties and links to web pages of third parties, always with the authorisation of their owners, as well as links to social networks and other information. In none of these cases will CaixaBank be responsible for the pages and contents of third parties or for their operation and availability.

Browsing and personalized preferences

Simple browsing through CaixaBank websites is free of charge and does not require the user to register in advance. Nevertheless, access, contracting or the use of some products and services may require user registration. In such a case, each of the products and services will be governed by its own specific conditions, without detriment to the conditions stipulated here.

In some of the portals or websites, users will be offered the possibility of personalising the pages, including different screen backgrounds or configuring the accesses to their favourite products and services, making browsing and the location of the resources used efficient and functional, and therefore adapting them to the tastes and uses of each user.

Security

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

Privacy policy and personal data protection

CaixaBank complies in full with current personal data protection laws and confidentiality obligations applicable to its activities.

CaixaBank has adopted the technical measures needed to maintain the requisite level of security, depending on the nature of the personal data processed and the circumstances of the processing, with the aim of avoiding, as far as possible and always depending on the state of the technology, unauthorised disturbance, loss, processing or access.

When asked to fill in a form in which personal data are collected, the customer or user will be told the recipient of information, the purpose for which it is collected, the identity and address of the controller and the user’s right to access, change, delete and oppose the processing of their personal information. Personal data collected will only be processed and/or transferred for the aforementioned purpose, and always with the consent of the user or customer.

To ensure the information in our files is always up-to-date and free of errors we ask our customers and users to tell us about any changes in and corrections of their personal information as soon as possible.

Cookie policy

The CaixaBank web pages have cookies, which are small data files stored in the user's or customer's computer that may allow our systems to remember characteristics or browsing preferences on our web pages that may be used to personalise access on successive visits, make browsing more secure, gather statistical information on browsing carried out, and find out user preferences.

The cookies policy of CaixaBank is subject to the EU and Spanish regulations in force concerning personal data processing and to the protection of privacy in electronic communications. In virtue of the same, CaixaBank will inform you of the cookies it uses in its websites (“Information about cookies used”) and, when necessary, it will request your permission to use them.<br>

Mobile portals and geolocation

Some of CaixaBank's web pages are adapted for use on mobile devices, so it is possible that the presentation and content of the different mobile applications may not coincide or be exact to those of the portal or the different websites.

Likewise, some of the web pages adapted for mobile devices or applications may have geolocation functions, in order to determine, when the user activates it, the location of the device at any given moment. You will therefore be able to access the services that require geolocation and that CaixaBank has available.

Access to the aforementioned services will require the user to activate the geolocation function on their mobile device, which they may deactivate at any time.

Intellectual and industrial property

The CaixaBank portal, the pages it comprises and the information and other elements contained therein include texts, documents, photographs, drawings, graphic representations, databases, software and also logos, brands, trade names and other distinguishing marks protected by intellectual or industrial property rights, of which CaixaBank and the companies of its Group is the holder or legitimate licensee.

CaixaBank does not grant any guarantee as to the legality of the information or elements contained in the CaixaBank web pages in the event that the ownership of the same does not correspond to CaixaBank or the companies of its Group.

Uses allowed and prohibited

Any use, including reproduction in any form, distribution, transmission to third parties, public communication or conversion, using any medium, involving the aforementioned items, creative work and identifying marks is prohibited without the prior express consent of the parties holding the respective rights. Failure to observe this prohibition may constitute an offence punishable under current legislation.

Nevertheless, on their own account and risk, the user may download or copy items exclusively for their personal use, provided that this does not infringe any of the intellectual or industrial property rights of CaixaBank. In particular, these items may not be altered, modified or deleted, either wholly or in part. Under no circumstances does this imply any authorisation or licence over the property rights of CaixaBank or its Group companies.

Except in cases where it has been expressly authorized by CaixaBank, it is forbidden to create links or hyperlinks from third-party portals or websites to CaixaBank website pages other than the home page of its portal, or to present CaixaBank website pages or the information contained in them within frames or associated with distinguishing signs, brands or corporate or commercial names belonging to another person, company or entity.

Financial and stock exchange information

The CaixaBank portal or websites do not provide any kind of investment recommendation or legal, tax or any other kind of advice. The information is of a general nature and does not take into account specific investment criteria or objectives or specific financial situations. The information contained must not, therefore, be used to make investments or take decisions regarding them.

In the case of negotiated stock, any decision to subscribe, purchase or sell must be adopted whilst bearing in mind public information.

The contents of the web pages do not amount to an offer to sell shares in the United States of America. Shares cannot be offered, sold or subscribed in the United States of America unless they have been registered or received exemption from registration, as stipulated in the US Securities Act of 1933.

Responsibilities

CaixaBank does not guarantee continuous access to or the correct display or download of the elements and information contained in the CaixaBank websites, which may be impeded, disrupted or interrupted by factors or circumstances beyond its control.

CaixaBank is not responsible for information or any other content in spaces or websites belonging to third parties, which are accessible from its websites via links or hyperlinks, or information and other content in third-party spaces and websites where there are links or hyperlinks to the CaixaBank portal, or information and any other content on any third-party site which is similar in appearance to CaixaBank or uses its identifying signs, unless express authorisation has been granted by CaixaBank.

CaixaBank and its information providers as third parties assume no liability whatsoever in relation to the information, contents of any kind, products and services offered or provided through the CaixaBank web pages by third parties or entities, even if they belong to the same economic Group, and, in particular, for damages of any kind that, linked to the foregoing, may be caused by: (i) information for users which is missing, incomplete, untrue, inaccurate or insufficient; (ii) failure to comply with contracts or pre-contractual relationships or unsatisfactory or late fulfilment of the same; (iii) breaches of the obligations incumbent on information society service providers; (iv) infringement of the rights of consumers and users; (v) infringement of intellectual and industrial property rights; unfair competition or illegal advertising; (vi) infringement of data protection rights, professional secrecy and the rights to honour, personal and family privacy and self-image; (vii) in general, non-compliance with any applicable laws, customs or codes of conduct and (viii) any decision taken in reliance on the information provided 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, faults, omissions, phone breakdowns, delays, blockages or disconnections in the operation of the electronic system, brought about by defects, overloading or errors in the telecommunications lines or networks, or by any other reason outside the control of CaixaBank; (ii) unlawful intrusion through any means of communication, using malware of any kind, computer viruses or any other method; (III) improper or inappropriate use of CaixaBank web pages; (iv) security or browsing errors caused by a malfunction of the browser or by the use of outdated versions of the browser.

Applicable legislation

These general terms and conditions are governed by Spanish law.