The information contained in these pages is current as of the date of their last update.

These conditions are those in force from the date of their last update.CaixaBank reserves the right to modify them at any time, in which case will enter vigor from its publication and they will be applicable to all the users of the web portal or of the websites from that date.

The contents of any of the websites, especially information and advertising references, do not constitute a binding offer, unless expressly indicated otherwise.

CaixaBank reserves the right to introduce modifications or omit partially or completely the current contents when it considers it opportune, as well as impede or restrict the access in a temporary or permanent way. CaixaBank may include third-party content and links to third-party websites on any of its websites, always with the authorisation of its owners, such as social networks and other information. In none of these cases will CaixaBank be responsible for third-party pages and contents, as well as their operation and availability. 

Simply browsing CaixaBank websites is free of charge and does not require prior registration. However, accessing, contracting or using certain products or services may require the user to register. In this case, each of these products and services will be governed by their own specific conditions, without prejudice to the conditions set out herein.

In some of the web portals or websites, the user will be offered the possibility of personalising the pages, including different screen backgrounds or that they can configure the accesses to their favourite products and services, making the browsing and the location of the resources used, efficient, functional and therefore adapted to the tastes and uses of each user.

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

CaixaBank fully complies with the legislation in force with regard to personal data protection and with the commitments of confidentiality specific to the banking activity.

CaixaBank has adopted the technical measures necessary to maintain the required level of security, according to the nature of the personal data processed and the circumstances of the processing, in order to avoid, as far as possible and always according to the state of the art, its alteration, loss, unauthorised processing or access.

When a form containing personal data is requested, the customer or user will be informed of the recipient of the information, the purpose for which the data is collected, the identity and address of the party responsible for the file and the user's right to access, rectify, cancel and oppose the processing of their data. The collected personal details will just be agreements and/or yielded with the expressed aim, and always with the consent of the user or client.

So that the information that they contain our files is always updated and it does not contain errors request to our clients and users that they communicate us, as soon as possible, the modifications and rectifications of its personal data. 

The websites of CaixaBank have cookies, that they are small details files that are stored in the computer of the user or client and that they can allow to our systems remember characteristics or preferences of the navigation in our websites that they can serve to customise its access in successive visits, do safer the navigation, obtain statistical Information on the navigation made, or know preferences of users.

The policy of cookies of CaixaBank is subject to the community standard and Spanish in force, regarding the personal data processing and to the protection of the privacy in the sector of the electronic communications. By virtue thereof, CaixaBank will inform you of the cookies it uses on each of its websites ("Information about the cookies used") and, when necessary, will request your consent to use them. 

Some of the CaixaBank websites are adapted for use on mobile devices. Therefore, the presentation and content of the various mobile applications may not coincide or be accurate with those of the portal or the various websites.

Similarly, some of the web pages adapted for mobile devices or the applications may have geolocation functions, in order to determine when the user activates it, the location of said device at any given time. Therefore, in this way you will 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 you may deactivate at any time. 

The CaixaBank portal and websites, the pages it contains and the information or elements contained therein, include texts, documents, photographs, drawings, graphic representations, databases, computer programs, as well as logos, brands, trade names, or other distinctive signs, protected by intellectual or industrial property rights, of which CaixaBank or its Group companies are the owners or legitimate licensees.

CaixaBank does not provide any guarantee as to the lawfulness of the information or elements contained on the CaixaBank websites if they are not owned by CaixaBank or its Group companies. 

All forms of exploitation are prohibited, including any reproduction, distribution, transfer to third parties, public communication and transformation, through any type of medium and means of the aforementioned works, creations and distinctive signs without the prior express authorisation of their respective owners. Failure to comply with this prohibition may constitute an offence punishable under prevailing legislation.

Nonetheless, at its own risk, the user will be able to download or make copy of such elements exclusively for its personal use, provided that it does not infringe none of the intellectual property rights or industrial of CaixaBank. In particular, they may not be altered, modified or suppressed in whole or in part. Under no circumstances shall this imply an authorisation or licence for the ownership rights of CaixaBank or its Group companies.

It is forbidden, except in the cases in which expressly authorises it CaixaBank, establish links, hyperlinks or links, from third-party web portals or websites to CaixaBank's web pages different from the main page of its portal, as well as present the web pages of CaixaBank or the information contained in them under frames or frames, distinctive signs, brands or social or trade names of another person, company or company 

CaixaBank does not guarantee the continuing access, nor the correct visualisation, download or usefulness of the elements and information within the CaixaBank websites, that they can is impeded, hindered or interrupted by factors or circumstances out of its control.

CaixaBank is not responsible for the information and other content contained in third-party spaces or web pages accessible from CaixaBank's web pages through links, hyperlinks or links, nor for the information or other content included in third-party sites or spaces from which it accesses the CaixaBank portal or any of its web pages by means of links, hyperlinks, or links, or for the information and content of any third-party web page that is presented under the appearance or distinctive signs of CaixaBank, unless expressly authorised by the latter.

CaixaBank and its information suppliers as third parties do not assume any responsibility in relation to the information, contents of any kind, products and services offered or provided through the CaixaBank websites 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 occur due to: (i) the absence or deficiencies in the information provided to users or in its truthfulness, accuracy and sufficiency; (ii) non-compliance or defective or untimely compliance with the contracts or pre-contractual relationships; (iii) failure to comply with the obligations of the information society's service providers; (iv) infringement of the rights of consumers and users; (v) infringement of intellectual and industrial property rights; performance of acts of unfair competition or unlawful advertising; (vi) infringement of the right to data protection; of professional secrecy and rights to honour, personal and family privacy and the image of people; (vii) in general, the non-compliance of whatever laws, customs or codes of conduct that they result of application and (viii) any decision taken in dependence of the information supplied via the web portal of CaixaBank.

Neither CaixaBank nor the information suppliers as third parties assume any responsibility for damages, 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 deficiencies, overloads and errors in the telecommunications lines and networks, or by any other cause beyond CaixaBank's control; (ii) unlawful interference through the use of malicious programs of any kind and through any means of communication, such as computer viruses or any other means; (iii) improper or inappropriate use of CaixaBank websites; (iv) security or browsing errors caused by a malfunction of the web browser or by the use of versions of the same that are not updated. 

These general terms and conditions shall be governed by Spanish law.