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Web portal disclaimer

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

Accessing the “imaginBank” 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 disclaimer. Therefore, you should read these terms and conditions carefully before accessing or using the information and services offered in the "imaginBank" portal or any "imagingBank" website.

Validity of the information

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

The present terms and conditions are effective from the date of the latest update. “imaginBank” 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. “imaginBank” 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.

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

Browsing and customisation

Simply browsing through the “imaginBank” website 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 the portal or website, 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 “imaginBank” portal contains the necessary security and quality certifications, seals or accreditations to offer users a secure environment. Nevertheless, we recommend that you consult and read the “imaginBank” Security Recommendations carefully. These are available to all users on its portal.

Privacy and data protection policy

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

“imaginBank” has adopted 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 users' or customers' consent.

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

“imaginBank” 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 “imaginBank”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, “imaginBank” shall inform users of the cookies it uses on each web site (“Information about cookies used”) and, where necessary, it will request users' consent.

Mobile portals and geolocation

This “imaginBank” web page is 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.

Moreover, some web pages adapted for mobile devices or applications may support geolocation services to determine when users activate the function and from where at any given time. This give you access to the services requiring geoglocation that “ImaginBank” has available.

Users must turn on the geolocation function on their mobile device to access these services. You can turn it off at any time.

Intellectual and industrial property

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

“imaginBank” makes no representation as to the legality or lawfulness of the information of elements contained in “imaginBank” web pages that are not owned by “imaginBank”, CaixaBank, S.A. 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.

Nevertheless, 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 “imaginBank”. 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 “imaginBank”, CaixaBank, S.A. or companies in its Group.

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

Financial and stock market information

The “imaginBank” portal or web sites 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 should not form 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

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

“imaginBank” assumes no liability for the information and other content that are part of third-party spaces or web pages and are accessible from “imaginBank” 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 “imaginBank” 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 “imaginBank” without the explicit authorisation of the latter.

Neither “imaginBank” nor its information suppliers as third parties accept any responsibility for the information, contents of any kind, products or services offered or provided through the “ImaginBank” 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 ”ImaginBank” portal.

Neither ”imaginBank” ” 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 ”ImaginBank”; (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 ”imaginBank” web pages; (iv) security or browsing errors caused by a browser malfunction or the use of outdated version of it.

Applicable legislation

These general terms and conditions are governed by Spanish law.

© CaixaBank, S.A./imaginBank, 2015 Barcelona.