Web portal legal information

Nuevo Micro Bank, S.A.U. (from here on, MicroBank) is the institution that owns the portal or website of MicroBank which you have accessed.


Access to the MicroBank website and the information on any of the products and services contained in it implies acceptance of the conditions provided in this disclaimer. We therefore recommend you to carefully read the content if you want to access and use the information and services offered from the MicroBank website.

Validity of the information and contents

The information on these pages is current at the time of the last update.

These conditions are those in force since the date of the last update. MicroBank reserves the right to change them at any time, in which case they will come into force as of their publication and will be applicable thereafter to all users of the website.

Unless otherwise indicated, the contents of the website, and particularly the informative and advertising references, do not constitute a binding offer. MicroBank reserves the right to make changes or to totally or partially omit the present contents of the website when it should see fit, and to temporarily or permanently prevent or restrict access.

MicroBank may include third party contents and links to other pages in any of its websites, always with the authorisation of the holders, such as to social networks and other information. In none of these cases will MicroBank be responsible for third party pages and contents or for their operation and availability.

Browsing

Simple browsing through the MicroBank websites is free and does not require users to register. However, access to or the contracting or use of any of the products or services may require users to register. In this case, each of the products and services will be governed by its own specific conditions, in addition to the conditions provided herein.

On some of the portals and websites, users will be offered the possibility of personalising their pages, by including different screen backgrounds or configuring access to their favourite products and services, in order to make navigation and location of the resources used more efficient and functional and better adapted to the tastes and customs of each user.

Security

MicroBank’s website has the relevant certificates, seals and ratifications of security and quality to offer users a secure environment. However, we recommend you consult and read carefully the Security Recommendations that MicroBank provides to all users on its portal.

Privacy and data protection policy

MicroBank fully complies with the applicable personal data protection laws and the confidentiality commitments inherent to the business it performs.

MicroBank has adopted the technical measures required to ensure a suitable level of security in accordance with the nature of the personal data it processes and the circumstances of such processing in order to prevent, to the extent possible and always taking into account the state of the art, any alteration, loss or unauthorised processing or access to such data.

Whenever requested to fill in a form that collects personal data, the customer or user will be informed of the recipient of the information, the purpose for which the data are collected, the identity and address of the data controller and the user’s ability to exercise the rights granted by the data protection regulations (access, revocation of consent, portability, rectification, restriction, objection or erasure). The personal data collected will only be processed and/or disclosed for the specified purpose, always notifying the user or customer and, if need be, obtaining the consent thereof.

In order to always keep the information in our files up to date and error-free, we ask or customers and users to notify us as soon as possible of any changes or corrections to their personal data.

Cookies policy

The MicroBank website uses cookies, which are small data files stored in the customer or user's computer and which allow our systems to remember features or preferences of browsing in our websites which might serve to personalise their access on successive visits, to make browsing more secure, to collect statistical information on the browsing or to see user preferences.

The MicroBank cookies policy is subject to current community and Spanish regulations regarding the processing of personal data and the protection of privacy in the sector of electronic communications. By virtue thereof, MicroBank will inform you of the cookies it uses in each of its websites ("Information about the cookies used") and, when necessary, will request the user’s consent to their use.

Mobile portals and geolocation

Some of the MicroBank web pages are adapted for use in mobile devices, so it is possible that the presentation and content of the different mobile applications might not coincide or be exactly the same as those of the portal or of the different websites.

In addition, some of the web pages adapted for mobile devices or some applications may contain geolocation functions, in order to determine at all times the location of the mobile whenever the user turns on the function. This enables customers to access the services that MicroBank has available that require geolocation.

Accessing these services means the user must turn on the geolocation function on his/her mobile, which can then be deactivated at any time.

Intellectual and industrial policy

The MicroBank website, the pages it includes and the information or elements contained therein include texts, documents, photographs, drawings, graphic representations, databases, computer programs and logos, brands, trademarks and other distinguishing signs protected by intellectual or industrial property rights of which MicroBank is the holder or legitimate licensee.

MicroBank offers no guarantee on the correctness and legality of the information or elements contained on the MicroBank web pages when they are not held thereby or any of the companies of the Group to which it belongs.

Forbidden and permitted uses

All form of exploitation is prohibited, including all forms of reproduction, distribution, assignment to third parties, public disclosure and transformation by any type of support and medium of the above works, creations and distinguishing signs without the prior and express authorisation of the respective holders. All breaches of this prohibition may constitute a breach that can be sanctioned by current legislation.

However, at their own expense and risk, the user may download or make copies of said elements exclusively for their personal use, provided this does not infringe any of MicroBank's intellectual or industrial property rights. In particular, they may not alter them, modify them or totally or partially delete them. In no case will this mean an authorisation or licence on the property rights of MicroBank or any of the companies of the "la Caixa" Group to which it belongs.

Except when it is expressly authorised by MicroBank it is forbidden to add links or hyperlinks from third-party portals or websites to MicroBank web pages other than the home page of the portal, accessible at URL https://www.microbank.com, or any which might replace it in the future, or to present the MicroBank web pages or the information contained in them under frames, distinctive signs, brands or company names or trademarks of another person, company or institution.

Responsibilities

MicroBank does not guarantee continuous access or correct viewing, downloading or utility of the elements and information contained on the MicroBank websites that may be impeded, hindered or interrupted due to factors or circumstances beyond its control.

MicroBank is not responsible for the information and other contents in third-party spaces or web pages accessible from the MicroBank website by means of links or hyperlinks, or for the information and other contents in third-party spaces or web pages that provide access via links or hyperlinks to the MicroBank website or any of its web pages, or for the information and contents of any third party website presented under the appearance or distinctive signs of MicroBank, without the express authorisation of the latter.

MicroBank assumes no liability regarding the information, contents of all kinds, products and services that might be offered or given by other people or institutions on its website, even though they might belong to the same economic Group, and especially for damages of any kind which, related to the above, might be caused by: (I) absence or shortcomings in the information provided to users or in its veracity, accuracy or sufficiency; (II) breach or defective or delayed fulfilment of contracts or pre-contractual relationships; (III) breach of the obligations affecting information society service providers; (IV) breach of consumer and user rights; (V) breach of intellectual and industrial property rights; performance of acts of unfair competition or illicit advertising; (VI) breach of the right to data protection, professional secrecy and rights to honour, personal and family privacy and the image of people; (VII) generally breach of any laws, customs or codes of conduct that might be applicable; and (VIII) any decision made based on information supplied through the portal of MicroBank.

MicroBank assumes no liability either for damage, harm, loss, claims or expenses resulting from: (I) interferences, interruptions, faults, omissions, telephone problems, delays, blockage or disconnection in the operation of the electronic system caused by deficiencies, overloading and errors in the telecommunication lines and networks, or for any other cause beyond the control of MicroBank; (II) illegitimate intromissions using malignant programs of any kind and through any means of communication, such as computer viruses or any other; (III) undue or inappropriate use of the MicroBank websites; (IV) security or browsing errors caused by malfunctioning in the browser or by the use of versions of it that are not up to date.

Applicable law

These general conditions will be governed by Spanish law.