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Legal notice

Access to the website of Criteria Caixa,S.A. (hereinafter CriteriaCaixa) –www.criteria.com– and to the information contained therein implies acceptance of the conditions set forth in this Legal Notice. We therefore recommend that you read the contents of this notice carefully should you wish to access the information contained in this website.

CriteriaCaixa reserves the right to amend these conditions at any time, and any amendment will become effective from the time of its publication and will apply to all the users of the website from such date onwards.

Website contents

CriteriaCaixa reserves the right to modify or partially or fully remove the current contents of the website if and when it sees so fit, without prior warning, and to prevent or restrict access on a temporary or permanent basis. The website is targeted exclusively at residents of Spain and, therefore, all conditions are governed by, and shall be interpreted according to Spanish law.

Prohibited and permitted uses of content

The contents of the portal in no case constitute a recommendation of investment or advice of any kind. The contents of the portal are published in order to provide general information on CriteriaCaixa and must not be used as a basis for adopting investment decisions.

The use of this content, including any type of reproduction, distribution, transfer to third parties, public communication or transformation of information contained on the portal, including its distinctive signs, by means of any kind of support or medium, is prohibited, unless there is prior and explicit authorization from CriteriaCaixa.

It is prohibited, except in the cases explicitly authorized by CriteriaCaixa, to establish links or hyperlinks from portals or websites of third parties to the portal of CriteriaCaixa, accessible at the URL address [www.criteria.com]. It is also prohibited to present the web pages of CriteriaCaixa or the information contained therein under the frames, distinctive signs, brand names or social or trading names of another person, business or entity.

Exclusion from guarantees and liability

CriteriaCaixa does not guarantee the currency, validity, veracity, accuracy or thoroughness of the contents of its portal and accepts no liability for any damage or prejudice that may arise due to such lack of currency, validity, veracity, accuracy and thoroughness of the contents.

CriteriaCaixa does not guarantee continued access or the correct viewing, downloading or utility of the items and information contained in the pages of its portal, which may be impeded, hampered or interrupted by factors or circumstances outside its control.

CriteriaCaixa is not liable for the information and other contents included in spaces or web pages of third parties that are accessible from its portal by means of links or hyperlinks, nor for the information and other contents included in spaces or web pages of third parties from which there is access by means of links or hyperlinks to the portal of CriteriaCaixa or any of its web pages, nor for the information and contents of any web page belonging to third parties that is presented with the distinctive look or signs of CriteriaCaixa, unless this has been expressly authorized by CriteriaCaixa.

CriteriaCaixa assumes no liability for damage, prejudice, loss, claims or expenses, caused by (i) interference, interruptions, failures, omissions, telephone line faults, delays, blockages or disconnections in the function of the electronic system, due to deficiencies, overloading or mistakes in the telecommunications lines and networks or to any other reason outside the control of CriteriaCaixa, (ii) illegitimate interference through the use of malignant programs of any kind or through any communication medium, such as computer or any other viruses, (iii) improper or inappropriate use of the portal of CriteriaCaixa, including losses, damage or prejudice caused as a consequence of investment decisions based on data or information contained in this portal, or (iv) security or navigation errors caused by the navigator functioning badly or the use of versions of the browser that have not been updated.

Industrial and intellectual property

The portal of CriteriaCaixa, the pages it comprises and the information or items contained therein include texts, documents, graphic images, databases, computer programs and logos, brands, trademarks and other distinctive signs, protected by industrial and intellectual property rights, of which CriteriaCaixa or its subsidiaries are holders or legal licensees.

CriteriaCaixa only grants authorization for the use of these contents, which is limited to online access thereto under the terms and conditions stipulated in these general conditions of use.

Privacy and data protection policy

CriteriaCaixa complies wholly with current legislation on questions of personal data protection and with the commitments to confidentiality characteristic of its business.

CriteriaCaixa has taken the necessary technical measures to maintain the level of security required, according to the nature of the personal data processed and the circumstances of their treatment, with the objective of avoiding, as far as is possible and always depending on technical status, their alteration, loss, processing or unauthorized access.

When a request is made 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 being gathered, the identity and address of the person in charge of the folder and the authority of the user to exercise his/her rights of access, correction, cancellation and opposition to the processing of his/her data. The personal data gathered will only be processed and/or transferred for the purpose expressed and always with the consent of the user or customer.

To ensure that the information in our files is always up-to-date and does not contain errors, we ask our customers and users to inform us as soon as possible of any changes or modifications in their personal data.

Some of the pages in this portal may contain cookies. These are small data files created in the computer of the user or customer that permit our systems to remember the language and other characteristics or navigation preferences of the user in his/her first session. These cookies are not invasive or damaging. Nor do they contain personal data, as their sole function is to personalize navigation in the way described above. If the user wishes, he/she can deactivate and/or delete these cookies.

Cookies policy

The web pages of ”la Caixa” use cookies, which are small data files that are stored in the user or customer’s computer and allow our systems to remember characteristics or preferences of his/her navigation through our web pages. The cookies can then be used to personalise access on follow-up visits, make navigation more secure, collect statistical information on the navigation done and discover user preferences.

The cookies policy of ”la Caixa” is subject to the EU and Spanish regulations in force concerning personal data processing and to the protection of privacy in electronic communications. By virtue of this, ”la Caixa” will inform users of the cookies it deploys on each website (“Information about the cookies used”) and, when necessary, will request the user’s consent to their deployment.