Website legal notice

Access to the Kutxabank, S.A. (hereinafter “Kutxabank”) website and information relating to any of the products and services presented therein implies the submission to and acceptance of the conditions set out in this Legal Notice. Therefore, we recommend that you read its content carefully if you wish to access and make use of the information and services offered on the Kutxabank website.

The information provided on this site does not constitute investment or banking advice. As this is not banking advice, the information provided is not based on an objective and comprehensive analysis of the banking services available on the market. Nor does it take into account the user's personal and financial situation, preferences or objectives.

Users should be aware that products appearing on this website may not be suitable for their personal or financial situation, or their risk profile, as they have not been taken into consideration when preparing the information contained herein, as a result of which users should take their own investment decisions by taking these circumstances into account and seeking any specific, specialist advice that may be necessary.

Kutxabank declines responsibility for any use that may be made of the site in this regard, and it must be specifically understood that such information, subject to the legislation in force in Spain, will not be intended for users acting under other jurisdictions of states requiring compliance with various requirements for the provision, disclosure or advertising of financial services or products.

The conditions listed below are those in force from the date of its last update. However, Kutxabank reserves the right to update, amend and/or delete the information contained on its website at any time and may limit or deny access to such information without prior notice, especially when technical difficulties arise which, in the opinion of Kutxabank, reduce or cancel out the standard security features adopted for it to work properly.

If this Legal Notice is amended at any given time, the conditions contained herein shall enter into force on the date of their publication and shall apply to all users from that date.

Some areas of this site may have specific legal notices relating to their content or functionality, so reading them is recommended. Specifically, this refers to those areas where Kutxabank may offer the user the possibility of contracting certain products or services and where it makes the applicable general terms and conditions of the contract available to interested users.

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

1) Ownership of the website

This website is owned by Kutxabank, as the credit institution responsible for processing the data on behalf of the organisation. The identification and contact details of Kutxabank as an information society service provider in accordance with the provisions in Article 10 of Law 34/2002 of 11 July on information society services and electronic commerce are listed below:

Company name: Kutxabank, S.A.

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

-Tax identification number: A95653077

-Registration details in the Mercantile Register:  Registered in the Bizkaia Mercantile Register, Volume 5226, Book 0, Page 1, Sheet BI-58729, Entry 1 and inscription in the Register of Banks and Bankers of the Bank of Spain under number 2095.

2) Privacy and data protection policy

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

Notwithstanding the foregoing, in those cases where users require certain services and communicate their personal data to Kutxabank, the Company guarantees the confidentiality of such data and compliance with the provisions of Regulation (EU) 2016/679 of the European Parliament and the Council on the protection of individuals with regard to the processing of personal data and the free movement of such data, and repealing Directive 95/46/EC, which offers sufficient guarantees regarding the implementation and maintenance of appropriate technical and organisational measures to ensure the protection of their data.

Please use the following link to view our personal data protection policy. 

3) Industrial and intellectual property rights

All the contents of the Kutxabank website, including but not limited to all of the text, documents, photographs, drawings, images, icons, graphic representations, audiovisual and sound contents, as well as their graphic design and source code, trademarks, trade names or other distinctive signs, are the exclusive property of Kutxabank or third parties (the latter being the legitimate licensee) and are protected by industrial and intellectual property laws.

Access by users to the content of the Kutxabank website does not grant them any rights or ownership over them.

Any form of exploitation, reproduction, distribution, modification, public communication, transfer, transformation or any other form of dissemination of the information or elements contained on the Kutxabank website referred to in this section is strictly prohibited by any means and medium that has not been expressly authorised beforehand. The content of this website may only be downloaded to the user's terminal provided  it is for your private use and not for any commercial purpose.

 The infringement of any of the above rights may constitute a breach of these terms and/or the laws of industrial and intellectual property. Kutxabank reserves the right to take the appropriate legal action against users who violate or infringe the intellectual and/or industrial property rights of this website, its information or its content.

4) Prohibited uses

Is is strictly forbidden to create links to the Kutxabank website from third web sites without the express permission and written consent of Kutxabank, or to present the Kutxabank website or the information contained therein under the frames, distinctive signs, marks or social or commercial names of another person, company or entity.

 In accordance with the requirements, any links to the Kutxabank website from other websites will allow such access, but will not reproduce its contents in any form (in whole or in part) except for the Kutxabank logo or company name for information purposes only.

5) Responsibilities

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

Kutxabank shall not be responsible for the accuracy, completeness or updating of information which is not of its own creation, or for information and other content on third party websites or pages that are accessible from the Kutxabank website by means of links or hyperlinks, or for information and other content included on third party websites or pages from which the Kutxabank website is accessed by means of links or hyperlinks. Likewise, Kutxabank shall not be responsible for the information and content of any third party website which is displayed in the guise of or under the distinctive signs of Kutxabank, unless expressly authorised by the latter. Consequently, Kutxabank is not responsible for and does not guarantee the proper functioning, availability, accessibility or continuity of the information and other content included on such third party websites or pages.

Kutxabank accepts no liability whatsoever regarding the information, content of any kind, products and services offered or provided by third parties or entities through the Kutxabank website, particularly for any damages of any kind linked to the aforementioned that may be caused by: (a) absence or gaps in the information provided to users or in its truthfulness, accuracy and sufficiency; (b) non-performance, defective or late performance of pre-contractual contracts or relationships; (c) failure to fulfil obligations incumbent on providers of information society services; (d) infringement of the rights of consumers and users; (e) infringement of intellectual and industrial property rights; unfair competition or unlawful advertising; (f) infringement of the right to data protection, of professional secrecy and of the rights to honour, personal and family privacy and the image of individuals; and (g) in general, non-compliance with any applicable laws, customs or codes of conduct.

 Kutxabank accepts no liability whatsoever for damages, harm, losses, claims or expenses, caused by: (a) interference, interruptions, failures, omissions, telephone breakdowns, delays, blockages or disconnections in the operation of the electronic system, caused by deficiencies, overloads or errors in telecommunications lines and networks, or by any other cause beyond the control of Kutxabank; (b) unlawful interference through the use of malicious software of any kind and through any means of communication, such as computer viruses or any other means; (c) improper or inappropriate use of the Kutxabank website; (d) security or browsing errors caused by a malfunctioning browser or the use of outdated versions of the browser

In any event, users of the Kutxabank website shall be liable for any damages of any kind that Kutxabank may suffer as a result of a user’s failure to comply with the obligations to which they are subject under this Legal Notice, or under the particular conditions that may apply to them.

Kutxabank shall not be responsible for any discrepancies which may arise between the printed version of its documents and the electronic version thereof published on its websites.

6) Publications

Any publication provided through this website does not replace, in any way, any publication that must be made through the relevant official communication channels (for example: Official Journal of the European Union, Official State Bulletin, Official Journal of the corresponding Autonomous Communities, Provincial Bulletins, Official Gazette of the Mercantile Register, high circulation newspapers....).

7) Security policy

Access to the website does not imply any obligation on the part of Kutxabank to ensure the absence of viruses or any other harmful computer element. In any event, it is the user's responsibility to ensure that adequate tools are available for the detection and disinfection of software and hardware.

Kutxabank is not responsible for any damage to the computer equipment of users or third parties while they are accessing the corporate website.

8) Cookies policy

Detailed information on Kutxabank's cookie policy can be found at the following link. 

9) Applicable law and jurisdiction

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