Legal notice

Conditions of use

Contract with the user and

This website is offered to you conditioned on your acceptance of all terms, conditions, and notices found in these Terms of Use. Your use of this website alone implies your agreement to all such terms, conditions and notices. In the event that any of the terms, conditions and/or notices contained herein are incompatible with the Terms of Use found on a specific website, the latter will take precedence.

Limitation to personal and non-commercial use

This website is for your personal, non-commercial use. You are not authorised to modify, copy, distribute, transmit, disclose, use, reproduce, publish, license, assign, sell or create derivative works from any information, software, products or services you may obtain from this website.


Links to third-party sites not within Grupo Ibercaja

This website and the sites may contain links to websites operated by third parties not within Fundación Bancaria Ibercaja (hereinafter, the Foundation). These connections are provided exclusively for your convenience. The Foundation does not control these websites and is not responsible for their content. The inclusion of links to third-party websites does not necessarily entail the Foundation’s endorsement of their content, nor does it imply any association between the Foundation and the individuals operating those websites.


Software available on this website

Any software that is downloadable from this website (hereinafter, the “Software”) has been created by and/or its suppliers and is protected by copyright. Your use of the Software will be governed by the terms contained in the end user licence agreement, if there is one, which comes or is included with the Software (hereinafter, the “Licence Agreement”). In order to install or use any Software that comes with or includes a License Agreement, you must first agree to the terms of the applicable License Agreement.

With respect to Software that does not come with a licence agreement, hereby grants you as a user a personal, non-transferable licence to use the Software solely to visit and use this website in accordance with these terms and conditions, provided that you keep intact all copyright and other proprietary notices.

Please be aware that all Software located on this website (including but not limited to all HTML code and ActiveX controls) is the property of and/or its suppliers and is protected by national laws and international intellectual property treaties. Any reproduction or redistribution of the Software is expressly prohibited by law and may result in severe civil and criminal penalties. Infringers will be prosecuted with a view to providing the most vigorous possible defence of the interests and rights of right holders.

Without limiting the foregoing, any copying or reproduction of the software to other servers or locations for the purpose of further reproduction or redistribution is expressly prohibited. This software is only warranted under the terms of any existing licence agreement.

You understand that the Software and any accompanying documentation and/or technical information are subject to applicable export control laws. You agree not to export or re-export the Software, directly or indirectly, to any country subject to US export restrictions.


Use of online web communities

If this website contains bulletin board services, chat areas, newsgroups, forums, communities and/or other types of messaging or communication services (hereinafter collectively referred to as “Communities”), you agree to use the Communities solely to send and receive messages and material specific to the particular forum you are using. By way of example but not limiting in nature, you undertake to refrain from the following actions when using a Community:

Defame, libel, harass, stalk, threaten or otherwise violate the rights (such as the right to privacy or self-image) of others.

Publish, post, upload, distribute or disseminate any inappropriate, profane, defamatory, abusive, obscene, indecent or unlawful subject, name, information or material.

Upload files that contain software or any other material protected by intellectual property laws (or by privacy and image rights), unless you manage or own such rights or have received all necessary licences to do so.

Upload files that contain viruses, corrupted files or any other similar software or computer programmes that may damage the operation of third-party computers.

Conduct or forward surveys, contests, pyramid schemes or chain letters.

Download any file posted by another user of a forum that you know, or reasonably should know, cannot be lawfully distributed in this manner.

Falsify or delete any author attributions, legal or other proper notices, proprietary designations or labels indicating the origin or source of software or any other material contained in an uploaded file.

Limit or prevent any other user from using and enjoying the Communities. reserves the right to cancel your access to any or all of the Communities for any reason, at any time and without prior notice. is under no obligation to supervise the Communities. However, reserves the right to disseminate at any time such information as may be necessary to comply with applicable laws or regulations, or as specifically required by legal process or administrative requirements; furthermore, reserves the right to publish, refuse to publish or withdraw, in whole or in part and at its sole discretion, any information or materials.

You acknowledge that all Communities are made up of public communication and that, as a consequence thereof, your communications may be read by third parties without your knowledge. You should always act prudently when providing, in any Community, personal data that may identify you or your children. Because does not control or approve the content of the messages or information found in the Communities, it is therefore freed from any liability that may arise from the use of the same, as well as from any action resulting from your participation in them. Forum and host directors are not authorised spokespersons, and their views may not necessarily coincide with those of

If you send messages, record files, enter data or initiate any other type of communication through this website, you are authorising to:

Use, modify, copy, distribute, transmit, disclose, publicly perform, reproduce, publish, sublicense, create derivative works from, transfer or sell any such communications.

Sublicense to third parties the right to exercise without limitation any of the aforementioned rights over the communication. The rights granted to include the right to make use of any proprietary rights in such communications, including but not limited to copyrights, trademarks, service marks or patents (in any jurisdiction).


Unlawful or prohibited use

Use of this website for any purpose that is unlawful or not authorised under these terms, conditions and/or notices is strictly prohibited.


Waiver of liability

The content provided herein is for information purposes only; you should not rely on information obtained from this website for personal, medical, legal, financial or other decisions; you should instead consult the appropriate professional who can advise you according to your needs. The information, software and/or products or services found on this website may contain typographical errors, imprecisions or inaccuracies for which the Foundation accepts no liability. Changes are periodically added to the information on this website. The Foundation reserves the right to discontinue dissemination in whole or in part and to modify the structure and content of this site without prior notice.

Neither the Foundation nor its suppliers will be liable for any damage or harm to the user or third parties that may arise from visiting this site or from the use of the information or applications contained herein.


Access restrictions

The Foundation reserves the right to deny, at its sole discretion at any time and without prior notice, access by any user to this website or any part thereof.


Changes to these terms and conditions

The Foundation reserves the right to change the terms, conditions and notices under which this website is offered.