BANCO BILBAO VIZCAYA ARGENTARIA, S.A. (“BBVA”) provides users (the “User” or “Users”) of this website www.bbva.com (the “Website”) with the following general information, in accordance with Article 10 of Law 34/2002, of July 11, on Information Society Services and Electronic Commerce (the “LSSI”):
Company name: BANCO BILBAO VIZCAYA ARGENTARIA, S.A.
Tax Identification Number: A-48265169
Registered office: Bilbao, Plaza de San Nicolás number 4, 48005 (Vizcaya)
Registration in the Commercial Registry: BBVA is registered in the Commercial Registry of Vizcaya, Volume 2083, Page 1, Sheet BI-17A, registration 1st
Contact email: For any inquiries, users can contact BBVA via the email address: comunica@bbva.com
Below are the terms and conditions of use of the Website (the “Terms of Use”), which Users must comply with at all times.

TERMS OF USE OF THE WEBSITE

Acceptance of the Terms of Use
These Terms of Use regulate the use of the Website made available by BBVA to Users.
The Terms of Use, along with the Legal Notice, the Personal Data Processing, and the Cookies Policy, collectively constitute the terms and conditions governing access to and use of the public part of the Website (the “Website Terms and Conditions”).

Accessing and using the Website by the User implies that they fully accept and are obliged to comply with the Website Terms and Conditions. Therefore, the User must carefully read these Terms of Use as well as the other Website Terms and Conditions each time they intend to use the Website, as these may be subject to modifications that will be communicated to the User upon new access. BBVA reserves the right to update, modify, or delete these Website Terms and Conditions.

Website Terms of Use
The User agrees to make proper use of the Website, understanding proper use as that which complies with current legislation, good faith, and public order. Likewise, the User agrees not to use the Website for fraudulent purposes, nor to engage in any conduct that could harm the image, interests, and rights of BBVA or third parties. Furthermore, the User agrees not to perform any act aimed at damaging, disabling, or overloading the Website, or that would prevent, in any way, its normal use and operation.

The User is informed that, in the event of non-compliance with the content or obligations arising from the Website Terms and Conditions or any other specific terms or conditions set forth on the Website, BBVA reserves the right to limit, suspend, or terminate their access to the Website, adopting any technical measures necessary for that purpose. Likewise, BBVA reserves the possibility of exercising such measures in the event that it reasonably suspects that the User is violating any of the terms set forth in the Website Terms and Conditions or any other specific terms or conditions set forth on the Website.

BBVA reserves the right to update, modify, or delete the information contained on the Website, including the contents and/or services integrated therein, and may even limit or deny access to such information at any time and without prior notice. In particular, BBVA reserves the right to delete, limit, or prevent access to the Website when technical difficulties arise due to events or circumstances beyond BBVA’s control that, in its opinion, diminish or nullify the levels of security or standards adopted for the proper functioning of the Website. To this end, BBVA reserves the authority to decide at any time on the continuity of the web services.

Content of the Website
The intellectual and industrial property rights over the Website, including the structure, selection, and arrangement of its contents, the sui generis right over the underlying databases, the graphic design and User interface of the Website (look & feel), the underlying computer programs (including source and object codes), as well as the various elements that make up the Website (texts, graphics, photographs, videos, audio recordings, etc.) (the “Contents”), belong to BBVA or its licensors. Regarding the distinctive signs included on the Website (trademarks and trade names), they are owned by BBVA or its licensors.

The use of the Website by the User does not imply the transfer of any intellectual and/or industrial property rights over the Website, the Contents, and/or the distinctive signs of BBVA. To this end, under these Terms of Use, except in cases where legally permitted or with prior authorization from BBVA, the User is expressly prohibited from reproducing, transforming, distributing, publicly communicating, making available, extracting, and/or reusing the Website, its Contents, and/or the distinctive signs of BBVA or any other third parties incorporated into the Website. BBVA reserves the possibility of taking legal action against Users who violate or infringe intellectual and/or industrial property rights.
The reproduction, distribution, and public communication, including its mode of making available, of all or part of the Contents of the Website for commercial purposes – particularly if it involves summaries, reviews, or press clippings – through any procedure or medium, is also prohibited, unless prior and express authorization from BBVA is obtained. Users must also refrain from deleting, altering, bypassing, or manipulating any protection device or security system installed on this Website.

BBVA grants Users who comply with the Website Terms and Conditions a non-exclusive and non-commercial authorization to use the Website, for the maximum duration of the intellectual and industrial property rights as established by applicable regulations (unless access to the Website is suspended for justified reasons) and for the purpose of allowing the User to use the Website in accordance with the Website Terms and Conditions.

Furthermore, BBVA DECLARES the following:

The information contained on the Website is for informational purposes only and does not provide any type of recommendation, and cannot be considered in any case as legal, tax, financial, investment, technical advice, nor an offer or guarantee by BBVA, nor should it be understood as a recommendation to carry out operations, nor will it constitute the basis for making a decision in a certain direction, with BBVA declining all responsibility for the use that may be made of the information contained on the Website in this regard, and it must be specifically understood that this information, subject to current regulations in Spain, is not intended for those Users acting under other jurisdictions of other States that require compliance with different requirements for the provision, disclosure, or advertising of such information.

The information provided by BBVA on the Website does not constitute a technical opinion of BBVA.

BBVA is not responsible for whether the information contained on the Website meets the User’s expectations. BBVA is not responsible for the truthfulness, accuracy, sufficiency, completeness, or updating of information that is not of its own preparation and for which another source is indicated. BBVA is also not responsible for the opinions or comments that may appear on the Website as they could either be made by Users personally or come from the indicated sources.

BBVA reserves the right to update, modify, or delete the information contained on the Website under the terms indicated above, not assuming any commitment to communicate changes or modify its content.

The User ACKNOWLEDGES AND ACCEPTS the previous statements of BBVA and additionally, GUARANTEES compliance with the regulations applicable to them as a User of this Website.

Link Policy

The establishment of links to the Website may only be carried out under the following terms:

The link will only link to the home page of the Website.

The link may not consist of frames or borders that allow the Website to be viewed through Internet addresses other than those of the Website or that in any other way show the information of the Website together with that included on other web pages.

No type of false, inaccurate, or incorrect statement about the Website and/or BBVA will be made from the website that introduces the link (the “Linking Site”).

In no case does the authorization granted by BBVA mean that: (i) BBVA sponsors, collaborates, verifies, or supervises the content and/or services provided through the Linking Site; nor (ii) that BBVA is in any way responsible for the content of the Linking Site.

The Linking Site must faithfully comply with the Law and may not in any case host content, whether its own or that of third parties, that: (i) is illegal, harmful to third-party rights, derogatory, violent, inappropriate, or otherwise contrary to morals, usages, and good customs (pornographic, racist, etc.); (ii) induces or may induce the User to the false conception that BBVA subscribes, supports, adheres to, or in any way supports the ideas, statements, or expressions, lawful or unlawful of the sender; and (iii) are inappropriate or irrelevant in relation to BBVA’s activity.

In the event of non-compliance with any of the aforementioned terms, BBVA may take the legal measures it deems appropriate for that purpose.

Linked Sites

In order to help the User find additional information, BBVA may include various technical devices for links that allow the User to access other websites (the “Linked Sites”). In these cases, BBVA acts as a service provider of intermediation, as provided in Article 17 of the LSSI. In accordance with the aforementioned legislation, BBVA will not be responsible for the services and content provided through the Linked Sites, unless it has effective knowledge of the illegality and has not deactivated the link with due diligence.

In no case does the existence of Linked Sites imply recommendation, promotion, identification, or conformity of BBVA with the statements, contents, or services provided through the Linked Sites. Consequently, BBVA is not responsible for the content of the Linked Sites, nor for their terms of use and privacy policies, with the User being solely responsible for checking and accepting them each time they access and use them.

Communication of illegal and inappropriate activities
In the event that the User or any other Internet User becomes aware that any kind of information or content on the Website or provided through it is illegal, harmful to third-party rights, derogatory, violent, inappropriate, contrary to the provisions of these Terms of Use or, in any other way, contrary to morals, usages, and good customs, they may contact BBVA indicating the following details:

personal data of the communicator: name, address, phone number, and email address.

a description of the facts that reveal the illegal or inappropriate nature of the content or information as well as the specific address where it is available.

in the event of violation of third-party rights, such as intellectual and industrial property, the details of the holder of the infringed right must be provided when they are different from the communicator. It must also provide the title that certifies the ownership of the violated rights and, where applicable, the representation to act on behalf of the holder when they are different from the communicator.

The receipt by BBVA of the communication provided for in this clause will not imply, according to the provisions of the LSSI, the effective knowledge of the activities and/or contents indicated by the communicator when this is not notorious or evident. In any case, BBVA reserves the right to suspend or withdraw content that, even if not illegal, is contrary to the rules established in these Terms of Use, weighing in each case the legal goods in conflict.

Responsibility of BBVA
The User should know that communications over open networks are exposed to a variety of threats that make them insecure. It is the User’s responsibility to take all appropriate technical measures to reasonably control these threats, including having up-to-date systems for detecting malicious software, such as viruses, trojans, etc., as well as having the security patches of the corresponding browsers updated. For more information, you can see BBVA’s Security Policy or contact your Internet service provider who can provide you with suitable solutions for your needs. To the maximum extent permitted by applicable law, BBVA is not responsible for any damages caused to the User as a result of inherent risks of the medium used, nor for those caused by vulnerabilities in their systems and tools. BBVA also does not guarantee the total security of its systems and although it has adopted appropriate security measures, the existence of vulnerabilities cannot be completely ruled out, and consequently, the User must be cautious in interacting with the Website.

In particular, BBVA will not be responsible for:

Any damages caused to the User’s computer equipment by viruses, worms, trojans, or any other harmful elements.

Any damages suffered by the User that arise from failures or disconnections in telecommunications networks that cause the suspension, cancellation, or interruption of the Website service during its provision. In this regard, the User acknowledges that access to the Website requires services provided by third parties outside BBVA’s control (for example: telecommunications network operators, access providers, etc.) whose reliability, quality, continuity, and operation do not correspond to BBVA, nor is it part of its responsibility to guarantee the availability of the service.

From third-party information in cases where BBVA acts as a service provider of intermediation in the sense given by the LSSI, unless effective knowledge occurs and the corresponding information has not been removed.

BBVA will also not be responsible for damages, direct or indirect, that Users may suffer due to improper use of this Website or its content, nor does it assume any commitment to communicate changes or modify its content.

Personal data protection
The aspects related to the processing of Users’ personal data due to the use of the Website are regulated in the document Personal Data Policy.

Use of Cookies
On this Website, we use a technology called “cookies.” The Cookies Policy is available to the User with detailed information on how BBVA uses cookies on this Website.
For more information, please consult the Cookies Policy.

Applicable law
In accordance with Article 3 of the LSSI, the laws applicable to the information society services that BBVA provides through the Website will be those of Spain. Therefore, in any litigation concerning this Website or any conflicts regarding it between Users and BBVA, Spanish legislation will apply.