Legal Notice

Accessing the website of Kutxabank, S.A. (hereinafter "Kutxabank") and the information relating to any of the products and services presented therein implies the acceptance of the conditions provided for in this Legal Notice. Therefore, we recommend you read its contents carefully if you wish to access and make use of the information and services offered on the website of Kutxabank.

The information provided on this page does not constitute investment advice or banking advice. As it does not provide banking advice, the information offered is not based on an objective and comprehensive analysis of the banking services available on the market, nor does it consider the personal and financial circumstances, preferences or objectives of users.

Users must be aware that the products on this website may not be suitable for their personal circumstances, financial position or risk profile as they have not been taken into consideration for the elaboration of the information contained herein. Therefore, users must make their own investment decisions taking into account these circumstances and seeking the specific and specialised advice that may be necessary.

Kutxabank declines all responsibility for the use that can be verified in this sense and it must be specifically understood that such information, subject to the regulations in force in Spain, is not intended for users who act under the jurisdiction of Countries that require compliance with different requirements regarding the offer, dissemination or advertisement of services and/or financial products.

The conditions listed below are those in force from the date of their last update. However, Kutxabank reserves the right to update, modify and/or delete the information on its website at any time, and may, even without prior notice, limit or not allow access to said information, especially when technical difficulties arise that, at the discretion of Kutxabank, decrease or override the standard safety standards that have been adopted for proper operation.

If this Legal Notice is modified, at any time, the conditions that it contains shall enter into force from its publication and will apply to all users from that date.

Some parts of this website may include specific legal notices referring to their own contents or features. We recommend you read them. In particular, in parts where Kutxabank offers users the possibility of acquiring certain products or services and where the applicable and general contract conditions are put at the disposal of interested users.

If you do not agree with the conditions of this Legal Notice, please refrain from using this website or from acquiring any of the products or services offered by Kutxabank.

1) Website ownership:

This website is owned by Kutxabank, as a credit institution that is responsible for the processing of data by the organisation. These are the identifying and contact details of Kutxabank as a service provider of the information society in compliance with the provisions of art. 10 of Law 34/2002, of July 11, on services of the information society and electronic commerce:

-Corporate name: Kutxabank, S,A.

-Postal and electronic address: Gran Vía Diego López de Haro, 30-32, 48009 (Bilbao); info@kutxabank.es

-Tax identification number: ESA95653077

-Registration data in the commercial register: Registered in the Commercial Registry of Bizkaia, volume 5226, Book 0, Folio 1, Sheet BI-58729, registration number 1 and in the Register of Banks and Bankers of the Bank of Spain under number 2095.

2) Privacy and personal data protection policy:

As a general rule, the use of the website of Kutxabank does not require users to reveal their personal data.

Notwithstanding the foregoing, when users require certain services and communicate their personal data to Kutxabank, this Company guarantees the confidentiality thereof as well as compliance with the provisions of Regulation (EU) 2016/679 of the European Parliament and of the Council, on the protection of natural persons with regard to the processing of personal data and the free movement of said data and repealing Directive 95/46/EC, offering sufficient guarantees regarding the implementation and maintenance of the appropriate technical and organisational measures that guarantee the protection of their data.

You can check our Personal Data Protection Policy on the following link http://kutxabankinmobiliaria.es/politica_privacidad.

3) Industrial and intellectual property:

All the contents of the website of Kutxabank, including, but not limited to, all texts, documents, photographs, drawings, images, icons, graphic representations, audiovisual and sound content, as well as its graphic design and source code, brands, trade names and other distinctive signs, are the exclusive property of Kutxabank or third parties (being Kutxabank the legitimate licensee) and are protected by Industrial and Intellectual Property Laws.

The fact that users access the contents of the website of Kutxabank does not grant them any rights or ownership over them.

Any form of commercialisation, reproduction, distribution, modification, public communication, transfer and transformation and any other form of dissemination of information and elements contained on the website of Kutxabank mentioned in this section, by any medium and means, not previously and explicitly authorised, is strictly forbidden. The content of this website may only be downloaded to the user's device, provided it is for private use and without any commercial purpose.

The infraction of any of the aforementioned rights may constitute a breach of these conditions and/or the laws of Industrial and Intellectual Property. Kutxabank reserves the right to exercise legal actions against users who violate or infringe the intellectual and/or industrial property rights of this website, its information or its contents.

4) Prohibited uses:

Creating links to the website of Kutxabank from third-party websites without the explicit written permission of Kutxabank and presenting the website of Kutxabank or the information contained therein under frames, distinctive signs, trademarks and commercial names of another person, company or entity is strictly forbidden.

In any case, the links that, abiding by the aforementioned requirements, are established to the website of Kutxabank on other pages, will allow the aforementioned access, but will not reproduce its content in any way (totally or partially) except the logo or company name of Kutxabank for informational purposes only.

5) Responsibilities:

Kutxabank does not guarantee continued access, or the correct viewing, downloading or usability of the elements and information contained on the website of Kutxabank, which may be impeded, hindered or interrupted by factors or circumstances beyond its control.

Kutxabank will not be responsible for the veracity, integrity or updating of the information that is not produced by Kutxabank or of the information and other contents integrated in spaces or websites of third parties that are accessible from the website of Kutxabank through hyperlinks or links, or information and other content integrated into spaces or websites of third parties that provide access, through hyperlinks or links, to the website of Kutxabank. Likewise, Kutxabank will not be liable for the information and contents of any third-party website that uses the style or distinctive signs of Kutxabank, unless expressly authorised by the latter. Consequently, Kutxabank is not responsible or guarantees the proper operation, availability, accessibility or continuity of the information and other content integrated in the aforementioned spaces or websites of third parties.

Kutxabank does not accept any responsibility in relation to the information, contents of all kinds, products and services offered or provided through the website of Kutxabank by third parties or entities and especially for damages of any kind that, linked to the foregoing, may be caused by: (a) absence or deficiencies in the information provided to users or its veracity, accuracy and sufficiency; (b) breach or defective or untimely fulfilment of the contracts or pre-contractual relations; (c) breach of the obligations of service providers of the information society; (d) infringement of the rights of consumers and users; (e) infringement of intellectual and industrial property rights; actions that involve unfair competition or illegal advertising; (f) infraction of data protection rights; of professional secrecy and the rights to honour, personal and family privacy and the image of people; and (g) in general, the breach of any laws, customs or codes of conduct that may be applicable.

Kutxabank does not assume any responsibility whatsoever for damages, losses, claims or expenses caused by: (a) interferences, interruptions, errors, omissions, telephone breakdowns, delays, blockages or disconnections in the operation of the electronic system caused by deficiencies, overloads and errors in telecommunication lines and networks, or for any other cause beyond the control of Kutxabank; (b) illegitimate intromissions through the use of malicious programmes of any kind and through any means of communication, such as computer viruses or any other; (c) improper or inappropriate use of the website of Kutxabank; (d) security or browsing errors caused by a malfunction of the browser or by the use of non-updated versions thereof.

In any case, users of the website of Kutxabank will be responsible for damages of any nature that Kutxabank may suffer as a result of the breach by users of the obligations to which they are subject through this Legal Notice, or through the particular conditions that apply to it.

Kutxabank is not responsible for any transitory discrepancies that may arise between the version of your printed documents and its electronic version, which is posted on its website.

6) Publications:

Any publication provided through this website does not replace, in any way, any publication that must be provided through the relevant official communication channels (such as: Official Journal of the European Union, Official Gazette for the Government of Spain, Official Gazette of each Autonomous Communities, Provincial Gazettes, Official Gazette of the Commercial Registry, newspapers of widespread distribution, etc.).

7) Security policy:

Providing access to the website does not imply that Kutxabank has the duty of controlling the absence of viruses or of any other harmful computer elements. Users are responsible in any case of having adequate tools for the detection and disinfection of computer programmes and equipment.

Kutxabank is not responsible for any damage caused to the computer equipment of users or third parties during their browsing to the corporate website.

8) Cookies policy:

You can check the details of the information on the cookies policy of Kutxabank on the following link https://portal.kutxabank.es/cs/Satellite/kb/es/politica_de_cookies/generico_sm

9) Legislation and applicable jurisdiction:

These conditions are subject to Spanish legislation and may be revised and modified at any time in order to adapt to any modification of current legislation.

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