The BBVA Foundation hereby provides users (hereinafter, the “User” or the “Users”) of the website www.fbbva.es (hereinafter, the “Website”) with the following general information, in accordance with the provisions of Section 10 of the Information Society and e-Commerce Services Act 34/2002, of 11 July, (hereinafter, the “LSSI”):
Registered name: Fundación Banco Bilbao Vizcaya Argentaria
Tax Identification Number: G-78668555
Registered office: Plaza San Nicolás 4, 48005 – Bilbao, Spain
Registered at the Foundations Register of the Ministry of Culture
Contact email: For all queries, users may contact the BBVA Foundation via the following email address: firstname.lastname@example.org
Conditions for the use of the Website
The User hereby undertakes to properly use the Website and said proper use shall be deemed to mean that the User must comply with applicable law, principles of good faith and public order. Furthermore, the User hereby undertakes not to use the Website for any fraudulent purposes, and not to employ any conduct whatsoever that could prejudice the image, the interests or the rights of the BBVA Foundation or of any third parties. Likewise, the User hereby undertakes not to carry out any acts for the purposes of damaging, disabling or overloading the Website, or that prevents, in any way whatsoever, the normal use or functioning thereof.
The User is hereby informed that, in the event of any breach thereby of the terms or obligations provided for in the Terms and Conditions of the Website or of any other specific terms or conditions provided for on the Website, the BBVA Foundation reserves the right to limit, suspend or cancel access thereof to the Website, and to adopt any technical measures that may be necessary for said purposes. Moreover, the BBVA Foundation reserves the right to implement said measures if it reasonably suspects that the User has breached any of the terms set out in the Terms and Conditions of the Website or any of the other specific terms or conditions provided for on the Website.
The BBVA Foundation reserves the right to update, modify or delete the information contained on the Website, including all of the content included therein, and may even limit or prevent access to said information, at any time whatsoever and without prior notice. In particular, the BBVA Foundation reserves the right to delete, limit or prevent access to the Website when technical difficulties exist by reason of facts or circumstances outside the control of the BBVA Foundation that, in its judgement, limit or undermine the levels of security or standards adopted for the adequate functioning of said Website.
Contents of the Website
The intellectual and industrial property rights in respect of the Website, including the provision of the contents thereof, the sui generis rights in respect of the underlying databases, the graphical designs and user interface of the Website (look & feel), the underlying computer programs (including the source and object codes), as well as the different elements that comprise the Website (texts, graphics, photographs, videos, sound recordings, etc.) (hereinafter, the “Contents”), correspond to the BBVA Foundation or its licensors.
The BBVA Foundation hereby grants, to the Users that abide by the Terms and Conditions of the Website, authorisation for said Users to use the Website, on a non-exclusive basis, during the maximum term of the validity of the intellectual and industrial property rights, as established pursuant to applicable regulations (except when access to the Website by Users is suspended or prevented on justified grounds) and so that Users may use the Website in accordance with the terms of this document.
Furthermore, the BBVA Foundation hereby DECLARES that:
- The information contained on the Website is included exclusively for informative purposes, and the BBVA Foundation declines all liability whatsoever for any use of the information contained on the Website by Users.
- The BBVA Foundation shall not be responsible for ensuring that the contents of the Website respond to the expectations of Users. The BBVA Foundation shall not be held liable for the veracity, accuracy, sufficiency, integrity or updating of the information that has not been drafted by the BBVA Foundation itself and that cite a different source. Furthermore, the BBVA Foundation shall not be held liable for the opinions or comments that may be included on the Website.
- The BBVA Foundation hereby reserves the right to update, modify or delete the information contained on the Website in the terms set out hereinabove, and shall not be required to notify said changes or to carry out any modifications to the content of the Website.
The User HEREBY ACKNOWLEDGES AND ACCEPTS the foregoing declarations of the BBVA Foundation and, furthermore, WARRANTS to comply with all applicable rules and regulations as a User of this Website.
Establishment of links with the Website
It is hereby forbidden to establish links with the Website, unless previously authorised by the BBVA Foundation. In any event, after a link has been authorised by the BBVA Foundation, the link must be established in accordance with the following terms and conditions:
- The link must not consist of frames that provide for the display of the Website through Internet addresses other than that of the Website or that in any other way display the information of the Website in conjunction with the information included on other web pages.
- The web page that includes the link (the “Linker Website”) must not include any type of false, inaccurate or incorrect declaration regarding the Website and/or the BBVA Foundation.
- Under no circumstances whatsoever shall the authorisation issued by the BBVA Foundation mean that: (i) the BBVA Foundation sponsors, collaborates, verifies or supervises the content and/or the services that are provided through the Linker Website; or (ii) that the BBVA Foundation is, in any way whatsoever, responsible for the contents of the Linker Website.
- The Linker Website must strictly comply with all applicable law and must not, under any circumstances whatsoever, host or include any own or third party contents, that: (i) are unlawful, prejudicial to the rights of third parties, harmful, degrading, violent, inadequate or in any other way contrary to moral standards, or customary uses and good practices (pornographic, racist, etc.); (ii) induce or that may induce the User to a false interpretation that the BBVA Foundation subscribes, supports, ratifies or in any other way substantiates the lawful or unlawful ideas, declarations or expressions of the Linker Website; and (iii) are inappropriate or are not related to the activities of the BBVA Foundation.
In the case of any breach of the foregoing terms, the BBVA Foundation may adopt all corresponding legal measures in respect of said breach.
For the purposes of helping the User to find additional information, the BBVA Foundation may include other technical linking devices that enable the User to access other web pages (the “Linked Sites”). In said cases, the BBVA Foundation acts as an intermediary service provider, pursuant to the provisions of Section 17 of the LSSI. In accordance with the terms of the LSSI, the BBVA Foundation shall not be held liable for the services and contents provided through the Linked Sites, unless the BBVA Foundation has actual knowledge of the unlawful nature thereof and has not deactivated the link as and when required.
Notification of unlawful or inadequate activities
- personal particulars of the notifier: name, address, telephone number and email address;
- description of the facts that demonstrate the unlawful or inadequate nature of the contents or information, as well as the specific URL where the content or information is available;
- in the event of the breach of the rights of third parties, such as intellectual or industrial property rights, it shall also be necessary to provide the personal particulars of the owner or licensee of the right that has been breached when this is a person other than the notifier. Furthermore, a copy of the instrument must be provided that substantiates the corresponding rights that have been breached and, as the case may be, the legal representation to act on behalf of the owner or licensee when this is a person other than the notifier.
Liability of the BBVA Foundation
The User must be aware that communications via open networks are exposed to a number of threats that mean that they are not secure communications. The User is responsible for adopting all of the adequate technical measures in order to reasonably control said threats and, accordingly, to should have up-to-date malware detection systems, such as virus, trojans, etc., and keep up-to-date all of the security patches of the corresponding Internet browsers. For further information, please read the Security Policy of the BBVA Foundation or contact your Internet service provider, who will be able to provide you with adequate solutions for your needs. Subject to the maximum possible limitation of liability provided for under applicable law, the BBVA Foundation shall not be held liable for any losses or damages caused to the User as a result of risks inherent to the type of technology that is used, or any losses or damages caused by any vulnerabilities in respect of its systems or tools. Furthermore, the BBVA Foundation does not guarantee the total security of its systems and although the BBVA Foundation has adopted adequate security measures, the existence of vulnerabilities cannot be totally ruled out and, accordingly, the User must be careful when interacting with the Website.
In particular, the BBVA Foundation shall not be held liable for:
- The losses and damages of any type whatsoever caused to the computer equipment of the User by virus, worms, trojans or any other harmful element.
- The losses and damages of any type whatsoever caused to the User that imply failures or disconnections in relation to the telecommunications networks that result in the suspension, cancellation or interruption of the service of the Website. In this regard, the User acknowledges that access to the Website requires services provided by third parties which are outside the control of the BBVA Foundation (by way of example: telecommunication network operators, access providers, etc.) the reliability, quality, continuity and functioning of which do not correspond to the BBVA Foundation, and furthermore the BBVA Foundation is not responsible for guaranteeing the availability of the service.
Furthermore, the BBVA Foundation shall not be held liable for any direct or indirect losses and damages that may be caused to the User by reason of any inadequate use of the Website or of the contents thereof, and the BBVA Foundation does not assume any obligation whatsoever to notify any changes or to modify the content thereof.
For further information, please read the Cookies Policy
In accordance with the provisions of Section 3 of the LSSI, Spanish law shall be applicable to the information society services that the BBVA Foundation provides through the Website. Accordingly, in respect of any dispute between the User and the BBVA Foundation that relates to the Website, Spanish law shall be applicable thereto.
PERSONAL DATA PROTECTION POLICY
What is the purpose of this Personal Data Protection Policy?
The purpose of this personal data protection policy (“Personal Data Protection Policy”) is to explain the method in which we obtain, process and protect the personal data that you provide us with by any written means or that we have received via our website www.fbbva.es (the “Website”) by means of forms and/or cookies, so that you may freely and voluntarily decide whether you want us to process said data.
This document informs you about the processing of the information that the BBVA Foundation obtains via the Website or by written means; however, this document is not applicable to the information that may be obtained by third parties on other web pages, even if links exist on the Website to said web pages.
We remind you that it is important to read this Personal Data Protection Policy each time you use the Website, or whenever you feel it necessary, as the terms of the Personal Data Protection Policy may be modified.
Who is the processor of your personal data?
The BBVA Foundation, with its registered office at Plaza San Nicolás 4, 48005 – Bilbao, Spain. E-mail address: email@example.com
What do we use your personal data for?
- To manage how you browse the Website, in accordance with the Cookies Policy that you can read here
- For the purposes and subject to the legitimate interests that are set out in each of the personal data collection forms used by the BBVA Foundation either by written means or through the Website.
At the BBVA Foundation, we process your personal data with strict and absolute confidentiality, and we undertake to keep your personal data secret. Furthermore we will store your personal data and adopt all necessary measures to avoid any alteration, loss, or unauthorized processing or access thereof, in accordance with the legal obligations applicable to us as the processor of your personal data.
At the BBVA Foundation, we have adopted and implemented the highest levels of security as required under the applicable legislation in order to protect your personal data against any accidental loss or any unauthorized access, processing or disclosure, in accordance with the state of technology, the nature of the data stored and the risks to which your personal data is exposed. You may read the Security Policy of the BBVA Foundation here
If you provide us with information or personal data regarding another person, you assume the responsibility for complying with the applicable provisions of data protection legislation, and you must have obtained the consent thereof, as the case may be, and furthermore must notify said person of the way in which the BBVA Foundation shall use said information, as provided for in this Personal Data Protection Policy.
Will the BBVA Foundation send you communications?
Through the data collection forms, the BBVA Foundation may request your consent to contact you by way of postal mail, e-mail, SMS, or by any other equivalent means of electronic communication, in order to send you communications in relation to its activities as specified in the form.
If, at any moment in time, you no longer wish to receive said communications, you may revoke your consent by sending an e-mail to the following address: firstname.lastname@example.org, together with a copy of the pertinent document substantiating your identity.
How long will we store your personal data for?
During the period established in the form which, as the case may be, we have presented to you in order to provide your personal data to the BBVA Foundation, as well as the period set out in the Cookies Policy.
Who will we share your personal data with?
We shall not disclose or provide your personal data to any third parties, except when required by law or when we have obtained your express consent.
When your consent is required in order to communicate your personal data to third parties, we will notify you in the data collection forms of the purposes of the processing, of the data subject to such communication, and of the identity or sectors of activity of the possible recipients of your personal data.
Does the BBVA Foundation use links to other web pages?
The Website may contain links to other web pages. Bear in mind that the BBVA Foundation is not responsible for the privacy or the processing of personal data in relation to other web pages. This Personal Data Protection Policy document is solely and exclusively applicable to the information that is obtained via the Website by the BBVA Foundation. We recommend that you read the personal data protection policies of the other web pages you link to from our Website or any other web pages that you visit. You may also obtain further information regarding our links policy in our Legal Notice here
What are your rights when you provide us with your personal data?
|RIGHT||CONTENT||FORMS OF EXERCISING YOUR RIGHTS|
|Access||You may query your personal data included in the files of the BBVA Foundation||
|Correction||You may modify your personal data when they are incorrect|
|Deletion||You may request the deletion of your personal data|
|Challenge||You may request that your personal data not be subject to processing|
|Limitation on data processing||You may request the limitation of the processing of your personal data in the following cases:
– During the period in which the challenge regarding the accuracy of your data is verified.
– When the processing is unlawful, but you object to the deletion of your personal data.
– When you have objected to the processing of your personal data for the fulfilment of a mission in the public interest or for the satisfaction of a legitimate interest, while it is verified whether the legitimate interest pursued by the processing overrides your own.
|Transfer||You may receive, in electronic format, the personal data that you have provided us with, and you may also transfer them to another entity.
|If you consider that we have not managed or processed your personal data in accordance with applicable regulations, you may contact us via the e-mail address: email@example.com
Notwithstanding the foregoing, you have the right to file a claim with the Spanish Data Protection Agency (www.agpd.es)
|To exercise your rights, you must attach a copy of your D.N.I. (National Identification Document) or equivalent identification document to your request.|
|The exercise of the foregoing rights is free of charge.|
Furthermore you may withdraw consent at any time, without affecting the lawfulness of processing based on consent before its withdrawal, by sending your request to the following e-mail address: firstname.lastname@example.org. Do not forget to accompany the request with a copy of your D.N.I. (National Identification Document) or equivalent identification document.
Personal data processing for representatives and contact persons
The purpose of the data processing shall be solely and exclusively to manage the relationships, of whatsoever type, with the legal person for which you render your services. That is to say, under no circumstances shall we process your personal data so as to establish a relationship with you as an independent natural person.
At the BBVA Foundation, we process your personal data for the purposes of disseminating information regarding our activities and, as the case may be, for managing the contract to which you are a party, by reason of your legal relationship with the BBVA Foundation.
The legal basis that enables us to process your personal data is to pursue the non-profit purposes and the legitimate interests of our Foundation and, as the case may be, the performance of the contract to which you are a party, as well as to comply with the obligations imposed by the applicable legislation.
Like other websites, www.fbbva.es uses a technology called “cookies” to collect information regarding the use of our website.
What are cookies?
A cookie is a file that is downloaded on your terminal equipment or device and that stores information that may be updated and recovered by the entity responsible for the installation thereof.
What are cookies used for on this website?
We use our own cookies as well as third party cookies to improve our services, to customise our website, to make browsing our website easier for our users, to provide our users with an enhanced experience when using our website, to identify problems and to improve said issues, to take measurements and to create statistics regarding the use of our website and to display advertising related to your preferences by means of the analysis of the use of our website.
What types of cookies does this website use?
Depending upon the proposed purpose:
- Technical cookies. Technical cookies enable the user to navigate through a web page, platform or application and to use the different options or services that exist therein such as, for example, to control the traffic and the communication of information, to identify the session, to access restricted areas, to recall the elements that constitute an order, to carry out the purchase process for an order, to carry out the registration application or participation request for an event, to use security elements during navigation, to store content for the dissemination of videos or sound or to share content through social networks.
- Geolocation cookies. Geolocation cookies are used to determine where a user is located when said user requests a service. This cookie is anonymous and is used, for example, to provide adequate information depending upon the country in which the user is located.
- Customisation cookies. Customisation cookies enable the user to access the service with certain predefined general characteristics according to a series of criteria on the user’s terminal such as, for example, language, type of browser by which the service is accessed, the regional configuration from where the service is accessed, etc.
- Analysis cookies. Analysis cookies enable the party that is responsible for said cookies to monitor and analyse the behaviour of users of the website associated with said cookies. The information obtained through this type of cookie is used for the measurement of the activities of the website, platform or application and for the creation of navigation profiles of the users of said website, platform or application, in order to include improvements depending upon the analysis of the way in which the users of the service employ the website.
Depending upon the duration of the cookies, they may be classified as:
- Session cookies. Session cookies are designed to collect and store data when the user accesses a website. These cookies are not stored on the user’s computer when the session expires or when the Internet browser is closed.
- Persistent cookies. Persistent cookies are those in which data is stored in the user’s computer and may be accessed and processed when the user leaves the website and when the user reconnects to the website. These cookies may be deleted at any time whatsoever by the user.
Depending upon the entities that manage the cookies:
- Own cookies: Own cookies are cookies that are sent to the user’s terminal equipment or device from a computer or domain that is managed by the owner of the web page and from which the service requested by the user is provided.
- Third party cookies: Third party cookies are cookies that are sent to the user’s terminal equipment or device from a computer or domain that is not managed by the owner of the web page and from which the service requested by the user is provided, but rather are managed by another entity that processes the data obtained via the cookies. Furthermore, in the event that the cookies are installed from a computer or domain that is managed by the owner of the website but the information that is collected via the cookies is managed by a third party, the cookies shall also be considered to be third party cookies.
The website collects information regarding the user by means of the installation of the following cookies on the hard drive of the visitor.
In relation to third party cookies, the procedures are exclusively managed and controlled by each service provider.
Third party cookies
|SiteCatalyst||Cookie used by SiteCatalyst for storing information of recurrent users.||s_cc
|youtube||Technical cookies used by youtube||APISID
How can I deactivate cookies?
You may, at any time whatsoever, permit, block or remove the cookies installed on your equipment or device by means of the configuration of the options of the Internet browser installed on your computer:
The deactivation of cookies does not prevent you from using the website, although the use of some of the services thereof may be limited and, accordingly, your browsing experience may be less satisfactory.
When browsing the website, we may process your personal data. For more information regarding our data protection policy, click here
Revocation of your consent
You may revoke, at any time whatsoever, your consent in relation to the Cookies Policy, and you may delete the cookies stored on your computer through the settings and configurations of your internet browser, as set out hereinabove.
Changes to the Cookies Policy
This Cookies Policy may be modified from time to time, as and when required by applicable law, or in the case of any modification to the type of cookies used on the website. Accordingly, we recommend that you read this policy each time that you access our website, so that you are adequately informed of how and for what purposes we use said cookies.
Aspects regarding security
At the BBVA Foundation we are aware of the need to guarantee the transfer of information in relation to the persons that are interested in our activities. Accordingly, the BBVA Foundation has adopted and implemented the maximum security measures so as to guarantee the confidentiality of communications.
The BBVA Foundation will never request, either by email, telephone or SMS, any personal data whatsoever. In the event that you receive any said type of message, please do not provide any personal data.
In addition to the security measures established by the BBVA Foundation, it is necessary that you adopt certain precautions when browsing the Internet in order to enhance your security during your daily activities and so as to avoid any malware.
Malware, that is commonly referred to as a virus, which is malicious software that is able to enter a computer, smartphone or tablet for certain purposes, such as the following: to steal private data, to prevent the device from working correctly or to take control of the device in order to carry out other malicious activities. Several different types of malware exist, that include:
- Phishing: consists of the remittance of an email that supplants the identity, in the majority of cases, of a well-known organisation and that requests the data of the user (address, bank information, passwords…). For the user to provide said data, in the majority of cases, it is necessary for the user to click on a link that is included in the email and, through said false web page, the user then enters the requested information.
- Ransomware: consists of a lucrative method of cybercrime. Habitually concealed as “courier services” or any other credible excuse, ransomware is propagated via links that provide for the installation of programs or the downloading of infected files. This virus blocks access to the computer’s information and requests a ransom that shall supposedly provide the key to decoding the information.
Hereinbelow, we shall set out a series of tips grouped into three different categories:
- Before clicking on a link, move the curser over the link and the URL that is to be accessed when clicking on the click shall be displayed. Verify that the URL is correct and that it relates to the activity that you want to carry out.
- In shared PCs or if you are connected to a public WI-FI service, do not access web pages that require you to enter your user and password, and do not provide your personal data such as your postal address, telephone, etc.
Security in relation to your devices
- Your operating system, your browser and common programs must be permanently up-to-date.
- You must install and always keep up-to-date and active a firewall and an antivirus Programs of this type, free of charge, may be downloaded at www.osi.es.
- Do not download on your computer any files the extensions of which are either .exe, .bat, .rar, .zip or .ini if you do not trust the sender thereof. Furthermore, do not open emails from unknown recipients.
- Configure an unlock system on your device, so that third parties are not able to access said device.
- Do not connect any external device of a dubious origin to your devices, such as pen drives, hard drives and mobile phones of any unknown persons.
Adhere to the foregoing tips to enhance your security on the Internet.