Legal Notice

Terms of Use

Agreement Between the User and fundacionbancariaibercaja.es

This website is offered to you on the condition that you accept, without modification, the terms, conditions and notices contained in these Terms of Use. Your use of this website constitutes your acceptance of all such terms, conditions and notices. If any of the terms, conditions and/or notices contained in these Terms of Use are inconsistent with the Terms of Use contained on a specific fundacionbancariaibercaja.es website, the latter shall prevail.

Limitation to Personal and Non-Commercial Use

This website is intended for your personal and non-commercial use. You may not modify, copy, distribute, transmit, display, perform, reproduce, publish, license, transfer, sell, or create derivative works from any information, software, products or services obtained from this website.

Links to Third-Party Websites Outside the Ibercaja Group

This website and the fundacionbancariaibercaja.es websites may contain links to websites operated by third parties that are not affiliated with Fundación Bancaria Ibercaja (hereinafter, the "Foundation"). These links are provided solely for your convenience. The Foundation does not control such websites and is not responsible for their content. The inclusion of links to third-party websites does not imply endorsement of their content by the Foundation, nor does it imply any association between the Foundation and the operators of those websites.

Software Available on This Website

Any software that may be made available for download from this website (hereinafter, the "Software") is the copyrighted work of fundacionbancariaibercaja.es and/or its suppliers. Your use of the Software shall be governed by the terms of the end-user license agreement, if any, that accompanies or is included with the Software (hereinafter, the "License Agreement"). Before installing or using any Software that is accompanied by a License Agreement, you must first agree to the terms of the applicable License Agreement.

With respect to Software that is not accompanied by a License Agreement, fundacionbancariaibercaja.es hereby grants you, as a user, a personal, non-transferable license to use the Software solely for the purpose of accessing and using this website in accordance with these terms and conditions, provided that you retain all copyright notices and other proprietary notices intact.

Please note that all Software contained on this website, including, without limitation, all HTML code and ActiveX controls, is owned by fundacionbancariaibercaja.es and/or its suppliers and is protected by national copyright laws and international intellectual property treaties. Any reproduction or redistribution of the Software is expressly prohibited by law and may result in severe civil and criminal penalties. Violators will be fully prosecuted permitted by law.

Without limiting the foregoing, copying or reproducing the Software to any other server or location for further reproduction or redistribution is expressly prohibited. The Software is warranted, if at all, only in accordance with the terms of the applicable License Agreement..

You acknowledge that the Software, and any accompanying technical documentation and/or information, are subject to applicable export control laws and regulations. You agree not to export or re-export the Software, directly or indirectly, to any country subject to United States export restrictions.

Online Communities

Should this website contain bulletin board services, chat areas, newsgroups, forums, communities and/or other messaging or communication services (hereinafter collectively referred to as the "Communities"), you agree to use the Communities solely to send and receive messages and materials that are appropriate and relevant to the particular forum concerned. By way of example only, and not as a limitation, you agree that when using a community, you will not:

Defame, abuse, harassment, stalk, threaten or otherwise violate the legal rights (such as rights of privacy and publicity) of others.
Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, abusive, obscene, indecent or unlawful topic, name, material or information.
Upload files containing software or other material protected by intellectual property laws (or by rights of privacy or publicity), unless you own or control the rights thereto or have received all necessary consents to do so.
Upload files that contain viruses, corrupted files or any other similar software or programs that may damage the operation of another person's computer.
Conduct or forward surveys, contests, pyramid schemes or chain letters.
Download any file posted by another user of a forum that you know, or reasonably should know, cannot legally be distributed in such manner.
Falsify or delete any author’s attributions, legal notices or other proprietary designations or labels indicating the origin or source of software or other material contained in an uploaded file.
Restrict or inhibit any other user from using and enjoying the Communities.

fundacionbancariaibercaja.es reserves the right, at its sole discretion, to terminate your access to any or all Communities at any time and without notice.

fundacionbancariaibercaja.es has no obligation to monitor the Communities. However, fundacionbancariaibercaja.es reserves the right, at any time, to disclose any information necessary to satisfy any applicable law, regulation, legal process or governmental request. Likewise, fundacionbancariaibercaja.es reserves the right, at its sole discretion, to post, refuse to post, or remove any information or material, in whole or in part.

You acknowledge that all Communities constitute public communications and that, therefore, your communications may be read by others without your knowledge. You should always exercise caution when providing personal information in any Community that may identify you or your children. fundacionbancariaibercaja.es does not control or endorse the content, messages or information found in any Community and therefore expressly disclaims any liability regarding the Communities and any actions resulting from your participation in them. Forum managers and hosts are not authorized spokespersons of fundacionbancariaibercaja.es, and their views do not necessarily reflect those of fundacionbancariaibercaja.es.

If you post messages, upload files, input data or engage in any other form of communication through this website, you grant fundacionbancariaibercaja.es the right to:

Use, modify, copy, distribute, transmit, publicly display, publicly perform, reproduce, publish, sublicense, create derivative works from, transfer or sell any such communications.
Grant third parties the unrestricted right to exercise any of the foregoing rights with respect to such communications.

The rights granted to fundacionbancariaibercaja.es include the right to exploit any proprietary rights in such communications, including, without limitation, copyrights, trademarks, service marks and patents in any jurisdiction.

Illegal or Prohibited Use

You are strictly prohibited from using this website for any purpose that is unlawful or prohibited by these terms, conditions and notices.

Disclaimer of Liability

The content provided through this website is for informational purposes only. Information obtained from this website should not be relied upon for making personal, medical, legal, financial or any other type of decision. You should consult an appropriate professional who can advise you according to your particular circumstances.

The information, software, products and/or services contained on this website may include typographical errors, inaccuracies or omissions for which the Foundation accepts no responsibility. Changes are periodically made to the information contained on this website. The Foundation reserves the right to suspend, in whole or in part, the availability of this website and to modify its structure and content at any time without prior notice.

Neither the Foundation nor its suppliers shall be liable for any loss or damage suffered by users or third parties arising from access to this website or from the use of the information or applications contained herein.

Access Restrictions

The Foundation reserves the right, at its sole discretion, to deny any user access to this website, or any portion thereof, at any time and without prior notice.

Modification of These Terms and Conditions

The Foundation reserves the right to modify the terms, conditions and notices under which this website is offered.