General

Legal notice

Caja de Ahorros y Pensiones de Barcelona is the entity that owns this website or portal (www.lacaixa.com)

Access to the portal of the Caja de Ahorros y Pensiones de Barcelona and the information that it contains implies acceptance of the conditions stipulated in this Legal Notice. This is why we recommend you read its contents carefully if you want to access and make use of the information and the services which may be offered from this portal.

Validity of the information

The information contained in these pages is valid on the date of its last updating.

These conditions are valid from the date of their last updating. Caja de Ahorros y Pensiones de Barcelona reserves the right to modify them at any time, in which case they will come into force from their publication and will be applicable to all users of the portal from that date.

The contents of the portal, particularly informative and publicity references, in their case, except when the opposite is expressly indicated, do not constitute any type of binding offer. Caja de Ahorros y Pensiones de Barcelona reserves the right to introduce modifications and partially or totally omit the current contents of the portal when it considers it appropriate, as well as impeding or restricting access temporarily or permanently.

Policy of privacy and data protection

Caja de Ahorros y Pensiones de Barcelona fully complies with the legislation in force regarding protection of a personal data, and with the commitments of confidentiality befitting banking activity.

Caja de Ahorros y Pensiones de Barcelona has adopted the technical measures necessary to maintain the required level of security, according to the nature of the personal data dealt with and the circumstances of the treatment of data, with the aim of avoiding, as much as possible and always according to the technical conditions, its alteration, loss, unauthorised treatment or access.

When a request is made to fill out a form in which personal data is compiled, the client or user will be informed of the destination of the information, the purpose for which the data is collected, the identity and address of the body responsible for the file and the faculty of the user to exercise their rights of access, rectification, cancellation and opposition to the treatment of their data. The personal data collected will only be dealt with and/or ceded with the objective expressed, and always with the consent of the user or client.

So that the information that our files contain is always updated and does not contain errors we ask our clients and users to inform us as soon as possible of any modifications and rectifications of their data of a personal nature.

Some of the pages of the portal of Caja de Ahorros y Pensiones de Barcelona have cookies, which are small data files that are generated in the user’s or client’s computer and which enable our systems to remember the language and the portal chosen, as well as other browsing characteristics or preferences of the user in their first session. These "cookies" are not invasive, or harmful, nor do they contain data of a personal nature, since their only function is to customise your browsing in the previously expressed way. If you wish, you can deactivate or eliminate these cookies following the instructions that feature in our Security Recommendations.

Intellectual and industrial property

The portal of the Caja de Ahorros y Pensiones de Barcelona, the pages that make it up and the information or elements contained in them, include texts, documents, photos, drawings, graphic representations, databases, computer programmes, as well as logotypes, commercial names and other distinctive signs, protected by rights of intellectual or industrial property, of which this or the companies of its Group are holders or legitimate licensees.

Caja de Ahorros y Pensiones de Barcelona does not provide any guarantee whatsoever about the lawfulness and legality of the information or elements contained in the pages of the portal when the ownership of it does not correspond to it or to the companies of its Group.

Prohibited and permitted uses

Any form of exploitation, including all types of reproduction, distribution, cession to third parties, public communication and transformation, through any type of support and means, of the abovementioned works, creations and distinctive signs is strictly prohibited without the prior and express authorisation of their respective owners. Breach of this prohibition may constitute a punishable offence of current law.

Nevertheless, for their own use and at their own risk, the user will be able to download or make a copy of these elements exclusively for their own personal use, on the condition that it does not infringe any of the rights of intellectual or industrial property of the Caja de Ahorros y Pensiones de Barcelona. In particular, they may not alter, modify or erase them totally or partially. In no case will this represent an authorisation or licence over the rights of property or of the companies or its Group.

It is prohibited, except in the case in which the Caja de Ahorros y Pensiones de Barcelona expressly authorises it, to establish connections, hyper-links or links from other portals or websites of third parties to websites distinct from the main page of its portal, accessible at the URL address (http://www.lacaixa.com), or whatever may replace it in the future, as well as presenting its web pages or the information contained in them under frames, distinctive signs, bands or company or commercial designations of another person, company or entity.

Responsibilities

Caja de Ahorros y Pensiones de Barcelona does not guarantee continued access or the correct visualisation, download or use of the elements and information contained in the pages or its website, which may be seen impeded, obstructed or interrupted by factors or circumstances beyond its control.

Caja de Ahorros y Pensiones de Barcelona is not liable for the information and other contents integrated into spaces or web pages of third parties accessible from its portal by means of connections, hyper-links or links, nor for the information and other contents integrated into spaces or web pages of third parties which can be accessed by means of connections, hyper-links or links to their website or any of the web pages, nor the information and contents of any web page of third parties that are presented under the appearance or distinctive signs of the Caja de Ahorros y Pensiones de Barcelona, except with the express authorisation of the latter.

Caja de Ahorros y Pensiones de Barcelona and its suppliers of information such as third parties do not assume any liability whatsoever with regard to the information, contents of any type, products and services offered or supplied through its website by third parties, individuals or entities, although belonging to their same economic Group, and, especially, for the damages of any type that, linked to the above, may be produced by: (i) absence or deficiency in the information provided to users or in its truthfulness, accuracy and sufficiency; (ii) breach or defective or unpunctual compliance of the contracts or pre-contractual relations; (iii) breach of the obligations that bind the providers of services of the information society; (iv) infringement of the rights of the consumers and users; (v) infringement of the rights of intellectual and industrial property; undertaking of disloyal acts or illegal publicity; (vi) infringement of right of data protection, of professional secret and of the rights of honour, personal and family privacy and of personal image; (vii) in general, the breach of any laws, customs or codes of conduct that are of application and (viii) any decision taken dependent upon the information provided through this portal.

Neither the Caja de Ahorros y Pensiones de Barcelona nor the suppliers of information as third parties accept any liability for damages, losses, reclamations or costs caused by: (i) interferences, interruptions, errors, omissions, telephone breakdowns, delays, blockages or disconnections in the functioning of the electronic system, caused by deficiencies, overloads and errors in the telecommunication lines and networks, or by any cause beyond its control; (ii) illegal intromissions by means of the use of damaging programmes of any type and through any means of communication, such as computer viruses or any others; (iii) improper and inappropriate use of the web pages of the Caja de Ahorros y Pensiones de Barcelona; (iv) security or browsing errors caused by the malfunctioning of the browser or by the use of out of date versions of it.