CONDITIONS OF USING THE WEBSITE

BBVA’s Technology and Operations area (hereinafter, BBVA-T&O) uses the various pages of this website to provide information related to all types of activities and services that it provides.

(a) The information provided by BBVA-T&O should be considered by the user as an overview of these activities and services and should not be used as a determining factor in making decisions. The Bank shall not be liable for the use of this information and it should be explicitly understood that, subject to prevailing legislation in Spain, this information is not intended for those users that act under other jurisdictions of states that have requirements that are different with regards to the publishing, disseminating or advertising of financial services and/or products.

(b) BBVA-T&O reserves the right to update, modify or remove the information contained in “BBVAtech.com”, including restricting or blocking access to this information, without prior notice. In particular, BBVA-T&O reserves the right to delete, restrict or block access to its website when technical difficulties arise due to events or circumstances beyond the control of BBVA-T&O which, in its opinion, reduce or invalidate basic levels of security adopted for the proper functioning of this website.

(c) Under no circumstances shall BBVA-T&O be liable for losses, damages or injuries of any type that may arise from accessing and using the website, including but not limited to those caused to IT systems or those caused by the introduction of viruses and/or IT attacks. Neither shall BBVA-T&O be liable for the damages suffered by users from inappropriate use of this website and, under no circumstances from the failures, interruptions, absence or deficiencies of telecommunications.

(d) BBVA-T&O shall not be liable for the accuracy, integrity or current status of the information that is not its own and for which another source is indicated, nor for the content of other websites that may be connected to BBVAtech.com via a link or hyperlink provided to users as an alternative source of information, which shall be governed by the terms and conditions of use that are required from the owners of such websites for this purpose. BBVA-T&O shall therefore not be liable in any way in relation to hypothetical damages that may be caused by the use of the aforementioned information. Under no circumstances shall the aforementioned hyperlinks be considered as a recommendation, endorsement or distribution by BBVA-T&O of the information, products and/or services, or third-party content in general, which are offered by these parties or disseminated by them in any way.

(e) BBVA-T&O shall not be liable for potential discrepancies that may temporarily arise between the version of its printed documents and the electronic version published on its web pages.

(f) The whole of the website, meaning the elements that comprise it (texts, images, trademarks, logos, audio files, software files, colour combinations), as well as the structure, selection and order of its content, are protected by intellectual and industrial property legislation and may not be used, reproduced, distributed, modified, publicly communicated, transferred or disseminated in any way without express authorisation.

Access to this website does not give users the right or ownership to the intellectual and/or industrial property rights of the content contained in this website.

BBVA-T&O reserves the right to take the corresponding legal action against users that breach or infringe intellectual and/or industrial property rights.

USE OF COOKIES

This website collects statistical information from users by storing a “cookie” on their hard drives. This information in no way identifies nor is capable of personally identifying users, in other words, it is totally anonymous.

The information collected shall be used by the Bank to better understand the activities of visitors to the “BBVAtech.com” website in order to improve it and to increase the effectiveness of its online presence.

Users may deactivate these cookies at any time by modifying the configuration of their browser (see your browser’s instructions to do this). Deactivating these cookies does not prevent the user from viewing the pages of this website, nor shall it interfere with the navigation of it.

GOOGLE ANALYTICS

This page uses Google Analytics, an analytical web service provided by Google, Inc., a company based in Delaware with headquarters at 1600 Amphitheatre Parkway, Mountain View (California), CA 94043, USA (“Google”).

Google Analytics uses “cookies”, which are text files stored on your computer, to help the website to analyse how users use it. The information generated by the cookie about your use of the website (including your IP address) shall be directly sent and archived by Google in its servers in the USA. Google shall use this information on our behalf in order to track the way the website is used, compiling reports on the activity of the website and providing other services related to the website’s activities and use of the internet. Google may pass on this information to third parties when required by law, or when these third parties process the information on behalf of Google.

Google shall not associate your IP address with any other data that it owns. You may reject the processing of this data or information by rejecting the use of cookies by selecting the appropriate configuration in your browser, although you should be aware that if you do so, you may not be able to use the full functionality of this website. By using this website you hereby consent to the processing of information about yourself by Google, as explained and for the purposes indicated above.

PERSONAL DATA PROTECTION POLICY

BBVA guarantees to protect the data of its clients. The seal awarded by the Spanish Electronic Commerce Association (AECE) endorses us as the leading financial institution that has signed up to its Code of Ethics on the Protection of Data on the Internet. The BBVA-T&O website at BBVAtech.com does not automatically recognise any data relating to the identity of its users. In those cases in which the user requests information or wishes to make comments about the content, a minimum level of public data about the user will be required.

All of this data is treated in absolute confidence and is only used for the purposes for which it has been requested within the framework of the Organic Law on Personal Data Protection and other related legislation.

GENERAL DATA

BBVA-T&O is the Technology and Operations area of Banco Bilbao Vizcaya Argentaria S.A. registered at Calle de María Tubau, 10 (28050 – Madrid), with telephone number 913 746 217 and e-mail address: bbva.tech@grupobbva.com; with the following tax identification code (CIF): A-48265169.