Privacy and commercial communications policy

1. Personal data of the Website user

VidaCaixa fully complies with current legislation on the protection of personal data and with the confidentiality commitments inherent in its activities.

VidaCaixa has adopted the necessary technical measures to maintain the required level of security, in accordance with the nature of the personal data processed and the circumstances of the processing, in order to prevent, as far as possible and always in accordance with the state of technology, their alteration, loss, unauthorised processing or access.

Further information on the processing of the personal data of the customer by VidaCaixa, and especially on how to exercise their rights of access, rectification, suppression and others, can be found at the following link: www.vidacaixa.es/en/data-protection.

2. Use of cookies

The Website homepage has a cookie that allows our system to remember the language chosen by the user in his or her first session. This avoids the need to select a language during subsequent visits to the website. This cookie is neither invasive nor harmful and its only function is to inform the system of the language previously chosen by the user. If the user so wishes, he or she may deny any cookie by using the appropriate menu option in his or her browser. To change the language of the cookie, simply delete it and choose the desired language on entering the Website.

General conditions of access and use

1. Access and use of the website

Access to the Website

These General Conditions of Access and Use regulate the access and use of the website of VidaCaixa, S.A.U. de Seguros y Reaseguros (hereinafter, "VidaCaixa") with registered offices at Paseo de Recoletos 37, 3º, 28004 Madrid (España), NIF A-58333261, and its purpose is to provide users with information regarding the activities, products and services of this entity related to the insurance sector, pension plans and benefit plans (hereinafter, the "Website").

Access to the Website implies acceptance of these General Conditions of Access and Use, so please read them carefully before use. If you do not accept these conditions, please do not use the Website or its contents.

VidaCaixa also informs the users of this Website that these General Conditions of Access and Use may be adapted or amended at any time without prior notice. Accordingly, the user must read and accept these General Conditions of Access and Use each time he or she wishes to use the Website.

Use of the Website

The user declares that he or she is of legal age and has sufficient legal capacity to be bound by these General Conditions of Access and Use, and undertakes to make appropriate use of the Website, as well as of the information relating to the products and services contained within it, in full compliance with the applicable regulations.

2. Contracting products and services

Contracting through CaixaBank, S.A.

The contracting of VidaCaixa's products and services available at any given time on this Website (hereinafter, "the Products and Services") will be carried out through the mediation of CaixaBank, S.A., in its capacity as VidaCaixa's banking and insurance operator. For this purpose, the user must have the identification and signature systems required by CaixaBank, S.A. in each case.

Conditions for the contracting of Products and Services

The contracting of Products and Services shall require, as an essential condition, the prior agreement with the contractual conditions of the corresponding product or service.

The User is informed and accepts that the information contained on the Website regarding the formalisation of the Products or Services does not imply an offer or the beginning of a business relationship with VidaCaixa, but that compliance with the requirements established in each of these contractual documents in accordance with the applicable regulations will be required under all circumstances.

3. VidaCaixa's liability with regard to the information contained on the Website

Operation of the Website

VidaCaixa does its best to maintain the Website in good working order, avoiding errors or, where applicable, repairing them, and keeping the contents of the Website duly updated. However, VidaCaixa does not guarantee the availability and continuity of access to the Website or the absence of errors in its contents, nor does it guarantee that the latter will be updated in a timely manner. The user accepts the foregoing and undertakes to exercise the utmost diligence and prudence when he or she accesses and enjoys browsing through the Website or when he or she purchases the Products or Services. In this sense, VidaCaixa provides the user with some recommendations to increase their security when surfing the Internet.

Changes to the information on the Website

VidaCaixa reserves the right to make, at any time and without prior notice, changes, deletions or updates to the information contained on the Website, its configuration or its presentation.

Use of the information contained on the Website

Both access to the Website and the use that may be made of any information contained within it, especially that relating to the suitability and proper use of the Products and Services that VidaCaixa makes available to you, are carried out under the exclusive responsibility of the user. Accordingly, VidaCaixa shall not be liable for any damages or losses that may arise, directly or indirectly, from access to or use of the information contained on the Website.

VidaCaixa also states that the free information provided to the user as a result of specific enquiries, simulations or calculations of estimates relating to the Products or Services is merely indicative, and therefore does not assume any liability whatsoever for any damages or losses that may arise, directly or indirectly, from the use by the user of the information provided. In particular, VidaCaixa expressly declares that this information does not constitute a technical opinion issued on the basis of all the relevant data required.

In addition, VidaCaixa is not responsible for any damage or loss to the user's software or hardware resulting from access to the Website.

4. Responsibility of the user

The user is aware, and voluntarily accepts, that the use of the Website takes place, in all cases, under his or her sole and exclusive responsibility.

The user will be liable for any damages or losses of any kind that VidaCaixa may suffer as a result of non-compliance with any of the obligations to which he or she is subject by virtue of these General Conditions of Access and Use or of the applicable legislation in relation to the use of the Website.

5. Policy regarding hypertext links

VidaCaixa does not assume any responsibility derived from the connection to or the contents of hypertext links of third-party websites, nor does their existence imply that they endorse, promote, guarantee or recommend the linked websites.

Furthermore, any third party intending to include a hypertext link on a website that leads to this Website must first obtain the express prior written consent of VidaCaixa.

6. Privacy and commercial communications policy

In the event that while browsing, making enquiries, requests or simulations via the Website, the user provides us with data that is considered personal data, the provisions of VidaCaixa's privacy and commercial communications policy shall apply.

7. Use of cookies

The Website homepage has tracking applications (cookies) installed that allow our system to remember the language chosen by the user in his or her first session. This avoids the need to select a language during subsequent visits to the website. These cookies are neither invasive nor harmful and their only function is to inform the system of the language previously chosen by the user. If the user so wishes, he or she may deny any cookie by using the appropriate menu option in his or her browser. To change the language of the cookie, simply delete it and choose the desired language on entering the Website.

8. Industrial and Intellectual Property

8.1 All the contents of the Website (including but not limited to, databases, images, photographs, patents, utility and industrial designs, drawings, graphics, text, audio, video and software files) are the property of VidaCaixa or of the content providers, in the latter case having been licensed or authorised by them, and are protected by Spanish or international intellectual and industrial property laws. The compilation (understood as the assembly, design, arrangement and layout) of all the content of the Website is the exclusive property of VidaCaixa and is protected by the relevant regulations on industrial and intellectual property.

8.2 All software included in the use and development of the Website is the property of VidaCaixa or its software suppliers and is protected by industrial and intellectual property laws.

8.3 The trademarks, emblems, distinctive signs or logos that appear on the Website are the property of VidaCaixa and are duly registered or in the process of being registered. The names of other products, services and companies that appear in this document or on the Website might be trademarks or other distinctive signs registered by their respective and legitimate owners.

8.4 All texts, graphic drawings, videos or audio material are the property of VidaCaixa, or its content providers, and may not be further modified, copied, altered, reproduced, adapted or translated by the user or third parties without the express authorisation of the owners of the said content.

8.5 The fact that the databases, images, photographs, patents, utility and industrial models, drawings, graphics, text, audio, video and software files owned by VidaCaixa or its suppliers that appear on the Website are made available to users does not imply, under any circumstances, the cession of ownership or the granting of an exploitation right in favour of the user other than the use implied by a legitimate use in accordance with the nature of the Website.

8.6 It is strictly forbidden to use the contents of the Website without the authorisation of VidaCaixa, including its exploitation, reproduction, dissemination, transformation, distribution, transmission by any means, subsequent publication, exhibition, public communication or total or partial representation, which, if they occur, will constitute infringements of VidaCaixa's intellectual property rights, sanctioned by current legislation.

9. Applicable law and jurisdiction

Access to and use of the Website shall be governed by and interpreted in accordance with Spanish law.

Any dispute that may arise between VidaCaixa and the users of the Website shall be settled by the Courts and Tribunals of the city of Madrid (Spain), with the express waiver by the Parties of their own jurisdiction.