Legal notice, personal data and cookies

LEGAL DISCLAIMER

The BBVA Foundation hereby provides users (hereinafter, the “User” or the “Users”) of the website www.fbbva.es (hereinafter, the “Website”) with the following general information, in accordance with the provisions of Section 10 of the Information Society and e-Commerce Services Act 34/2002, of 11 July, (hereinafter, the “LSSI”):

Registered name: Fundación Banco Bilbao Vizcaya Argentaria

Tax Identification Number: G-78668555

Registered office: Plaza San Nicolás 4, 48005 – Bilbao, Spain

Registered in the Registry of Foundations under state jurisdiction with the number 138.

Contact email: For all queries, users may contact the BBVA Foundation via the following email address: programacion@fbbva.es

The terms and conditions for the use of the Website are set out (hereinafter, the “Terms of Use”) hereinbelow, which must be complied with by Users at all times.

TERMS OF USE OF THE WEBSITE

Acceptance of the Terms of Use

These Terms of Use govern the use of the Website that the BBVA Foundation provides to Users.

The Terms of Use, together with the Legal Notice, the Personal Data Protection Policy and the Cookies Policy constitute, as a whole, the terms and conditions that govern the access and use of the public part of the Website (hereinafter, the “Terms and Conditions of the Website”).

The access and use of the Website by Users implies that Users accept and undertake to fully comply with all of the Terms and Conditions of the Website. Accordingly, the User must carefully read these Terms of Use as well as the rest of the Terms and Conditions of the Website each and every time that the User proposes to use the Website, by reason that the Terms and Conditions of the Website may be subject to change, which shall be notified to the User when accessing the Website again. The BBVA Foundation hereby reserves the right to update, modify or delete these Terms and Conditions of the Website.

Conditions for the use of the Website

The User hereby undertakes to properly use the Website and said proper use shall be deemed to mean that the User must comply with applicable law, principles of good faith and public order. Furthermore, the User hereby undertakes not to use the Website for any fraudulent purposes, and not to employ any conduct whatsoever that could prejudice the image, the interests or the rights of the BBVA Foundation or of any third parties. Likewise, the User hereby undertakes not to carry out any acts for the purposes of damaging, disabling or overloading the Website, or that prevents, in any way whatsoever, the normal use or functioning thereof.

The User is hereby informed that, in the event of any breach thereby of the terms or obligations provided for in the Terms and Conditions of the Website or of any other specific terms or conditions provided for on the Website, the BBVA Foundation reserves the right to limit, suspend or cancel access thereof to the Website, and to adopt any technical measures that may be necessary for said purposes. Moreover, the BBVA Foundation reserves the right to implement said measures if it reasonably suspects that the User has breached any of the terms set out in the Terms and Conditions of the Website or any of the other specific terms or conditions provided for on the Website.

The BBVA Foundation reserves the right to update, modify or delete the information contained on the Website, including all of the content included therein, and may even limit or prevent access to said information, at any time whatsoever and without prior notice. In particular, the BBVA Foundation reserves the right to delete, limit or prevent access to the Website when technical difficulties exist by reason of facts or circumstances outside the control of the BBVA Foundation that, in its judgement, limit or undermine the levels of security or standards adopted for the adequate functioning of said Website.

Contents of the Website

The intellectual and industrial property rights in respect of the Website, including the provision of the contents thereof, the sui generis rights in respect of the underlying databases, the graphical designs and user interface of the Website (look & feel), the underlying computer programs (including the source and object codes), as well as the different elements that comprise the Website (texts, graphics, photographs, videos, sound recordings, etc.) (hereinafter, the “Contents”), correspond to the BBVA Foundation or its licensors.

The use of the Website by the User does not imply any assignment of any intellectual and/or industrial property rights whatsoever in respect of the Website, the Contents and/or the distinctive signs of the BBVA Foundation. Accordingly, pursuant to these Terms of Use, and except when legally permitted or when the BBVA Foundation has provided its prior authorisation, the User shall be expressly prohibited from carrying out any reproduction, transformation, distribution, public communication, provision, extraction and/or re-utilisation of the Website, its Contents and/or the distinctive signs of the BBVA Foundation or of any third parties that are included within the Website. The BBVA Foundation hereby reserves the right to exercise the corresponding legal actions against those Users that breach or infringe the intellectual and/or industrial property rights thereof.

The BBVA Foundation hereby grants, to the Users that abide by the Terms and Conditions of the Website, authorisation for said Users to use the Website, on a non-exclusive basis, during the maximum term of the validity of the intellectual and industrial property rights, as established pursuant to applicable regulations (except when access to the Website by Users is suspended or prevented on justified grounds) and so that Users may use the Website in accordance with the terms of this document.

Furthermore, the BBVA Foundation hereby DECLARES that:

The information contained on the Website is included exclusively for informative purposes, and the BBVA Foundation declines all liability whatsoever for any use of the information contained on the Website by Users.
The BBVA Foundation shall not be responsible for ensuring that the contents of the Website respond to the expectations of Users. The BBVA Foundation shall not be held liable for the veracity, accuracy, sufficiency, integrity or updating of the information that has not been drafted by the BBVA Foundation itself and that cite a different source. Furthermore, the BBVA Foundation shall not be held liable for the opinions or comments that may be included on the Website.
The BBVA Foundation hereby reserves the right to update, modify or delete the information contained on the Website in the terms set out hereinabove, and shall not be required to notify said changes or to carry out any modifications to the content of the Website.

The User HEREBY ACKNOWLEDGES AND ACCEPTS the foregoing declarations of the BBVA Foundation and, furthermore, WARRANTS to comply with all applicable rules and regulations as a User of this Website.

Links Policy

Establishment of links with the Website

It is hereby forbidden to establish links with the Website, unless previously authorised by the BBVA Foundation. In any event, after a link has been authorised by the BBVA Foundation, the link must be established in accordance with the following terms and conditions:

The link must not consist of frames that provide for the display of the Website through Internet addresses other than that of the Website or that in any other way display the information of the Website in conjunction with the information included on other web pages.
The web page that includes the link (the “Linker Website”) must not include any type of false, inaccurate or incorrect declaration regarding the Website and/or the BBVA Foundation.
Under no circumstances whatsoever shall the authorisation issued by the BBVA Foundation mean that: (i) the BBVA Foundation sponsors, collaborates, verifies or supervises the content and/or the services that are provided through the Linker Website; or (ii) that the BBVA Foundation is, in any way whatsoever, responsible for the contents of the Linker Website.
The Linker Website must strictly comply with all applicable law and must not, under any circumstances whatsoever, host or include any own or third party contents, that: (i) are unlawful, prejudicial to the rights of third parties, harmful, degrading, violent, inadequate or in any other way contrary to moral standards, or customary uses and good practices (pornographic, racist, etc.); (ii) induce or that may induce the User to a false interpretation that the BBVA Foundation subscribes, supports, ratifies or in any other way substantiates the lawful or unlawful ideas, declarations or expressions of the Linker Website; and (iii) are inappropriate or are not related to the activities of the BBVA Foundation.

In the case of any breach of the foregoing terms, the BBVA Foundation may adopt all corresponding legal measures in respect of said breach.

Linked Sites

For the purposes of helping the User to find additional information, the BBVA Foundation may include other technical linking devices that enable the User to access other web pages (the “Linked Sites”). In said cases, the BBVA Foundation acts as an intermediary service provider, pursuant to the provisions of Section 17 of the LSSI. In accordance with the terms of the LSSI, the BBVA Foundation shall not be held liable for the services and contents provided through the Linked Sites, unless the BBVA Foundation has actual knowledge of the unlawful nature thereof and has not deactivated the link as and when required.

Under no circumstances whatsoever shall the inclusion of Linked Sites imply any recommendation, promotion, identification or the conformity of the BBVA Foundation in relation to the declarations, contents or services provided through the Linked Sites. Accordingly, the BBVA Foundation shall not be held liable for the contents of the Linked Sites, or the terms of use or privacy policies thereof, and the User shall be solely and exclusively responsible for verifying and accepting said terms and policies when accessing and using said Linked Sites.

Notification of unlawful or inadequate activities

In the event that the User or any other Internet user has knowledge that any type of information or content of the Website or any information provided through the Website is unlawful, prejudices the rights of any third parties, or is harmful, degrading, violent, inadequate, or contrary to the provisions of these Terms of Use or, in any other way, is contrary to moral standards, customary uses and good practices, then said User or Internet user may contact the BBVA Foundation, and provide the following information:

personal particulars of the notifier: name, address, telephone number and email address;
description of the facts that demonstrate the unlawful or inadequate nature of the contents or information, as well as the specific URL where the content or information is available;
in the event of the breach of the rights of third parties, such as intellectual or industrial property rights, it shall also be necessary to provide the personal particulars of the owner or licensee of the right that has been breached when this is a person other than the notifier. Furthermore, a copy of the instrument must be provided that substantiates the corresponding rights that have been breached and, as the case may be, the legal representation to act on behalf of the owner or licensee when this is a person other than the notifier.

The receipt by the BBVA Foundation of the notification provided for in this clause shall not imply, in accordance with the terms of the LSSI, effective knowledge of the activities and/or contents set out by the notifier when said activities and/or contents are not obvious or evident. In any event, the BBVA Foundation reserves the right to suspend or remove the contents that, although not unlawful, nonetheless breach the rules established in these Terms of Use, and for the adoption of said decision, the BBVA Foundation shall analyse and take into consideration the legal rights and interests in conflict, on a case-by-case basis.

Liability of the BBVA Foundation

The User must be aware that communications via open networks are exposed to a number of threats that mean that they are not secure communications. The User is responsible for adopting all of the adequate technical measures in order to reasonably control said threats and, accordingly, to should have up-to-date malware detection systems, such as virus, trojans, etc., and keep up-to-date all of the security patches of the corresponding Internet browsers. For further information, please read the Security Policy of the BBVA Foundation or contact your Internet service provider, who will be able to provide you with adequate solutions for your needs. Subject to the maximum possible limitation of liability provided for under applicable law, the BBVA Foundation shall not be held liable for any losses or damages caused to the User as a result of risks inherent to the type of technology that is used, or any losses or damages caused by any vulnerabilities in respect of its systems or tools. Furthermore, the BBVA Foundation does not guarantee the total security of its systems and although the BBVA Foundation has adopted adequate security measures, the existence of vulnerabilities cannot be totally ruled out and, accordingly, the User must be careful when interacting with the Website.

In particular, the BBVA Foundation shall not be held liable for:

The losses and damages of any type whatsoever caused to the computer equipment of the User by virus, worms, trojans or any other harmful element.
The losses and damages of any type whatsoever caused to the User that imply failures or disconnections in relation to the telecommunications networks that result in the suspension, cancellation or interruption of the service of the Website. In this regard, the User acknowledges that access to the Website requires services provided by third parties which are outside the control of the BBVA Foundation (by way of example: telecommunication network operators, access providers, etc.) the reliability, quality, continuity and functioning of which do not correspond to the BBVA Foundation, and furthermore the BBVA Foundation is not responsible for guaranteeing the availability of the service.

Furthermore, the BBVA Foundation shall not be held liable for any direct or indirect losses and damages that may be caused to the User by reason of any inadequate use of the Website or of the contents thereof, and the BBVA Foundation does not assume any obligation whatsoever to notify any changes or to modify the content thereof.

Use of Cookies

The Website uses a technology called “cookies”. The Cookies Policy, which is available to the User, includes detailed information about how the BBVA Foundation uses cookies.

For further information, please read the Cookies Policy

Applicable law

In accordance with the provisions of Section 3 of the LSSI, Spanish law shall be applicable to the information society services that the BBVA Foundation provides through the Website. Accordingly, in respect of any dispute between the User and the BBVA Foundation that relates to the Website, Spanish law shall be applicable thereto.

PERSONAL DATA PROTECTION POLICY

What is the purpose of this Personal Data Protection Policy?

The purpose of this personal data protection policy (“Personal Data Protection Policy”) is to explain the method in which we obtain, process and protect the personal data that you provide us with by any written means or that we have received via our website www.fbbva.es (the “Website”) by means of forms and/or cookies, so that you may freely and voluntarily decide whether you want us to process said data.

The Website is the property of the BBVA Foundation. For further information regarding the BBVA Foundation and the Website, go to Legal Notice and Terms of Use

This document informs you about the processing of the information that the BBVA Foundation obtains via the Website or by written means; however, this document is not applicable to the information that may be obtained by third parties on other web pages, even if links exist on the Website to said web pages.

We remind you that it is important to read this Personal Data Protection Policy each time you use the Website, or whenever you feel it necessary, as the terms of the Personal Data Protection Policy may be modified.

Who is the processor of your personal data?

The BBVA Foundation, with its registered office at Plaza San Nicolás 4, 48005 – Bilbao, Spain. E-mail address: programacion@fbbva.es

What do we use your personal data for?

To manage how you browse the Website, in accordance with the Cookies Policy that you can read here
For the purposes and subject to the legitimate interests that are set out in each of the personal data collection forms used by the BBVA Foundation either by written means or through the Website.

At the BBVA Foundation, we process your personal data with strict and absolute confidentiality, and we undertake to keep your personal data secret. Furthermore we will store your personal data and adopt all necessary measures to avoid any alteration, loss, or unauthorized processing or access thereof, in accordance with the legal obligations applicable to us as the processor of your personal data.

At the BBVA Foundation, we have adopted and implemented the highest levels of security as required under the applicable legislation in order to protect your personal data against any accidental loss or any unauthorized access, processing or disclosure, in accordance with the state of technology, the nature of the data stored and the risks to which your personal data is exposed. You may read the Security Policy of the BBVA Foundation here

If you provide us with information or personal data regarding another person, you assume the responsibility for complying with the applicable provisions of data protection legislation, and you must have obtained the consent thereof, as the case may be, and furthermore must notify said person of the way in which the BBVA Foundation shall use said information, as provided for in this Personal Data Protection Policy.

Will the BBVA Foundation send you communications?

Through the data collection forms, the BBVA Foundation may request your consent to contact you by way of postal mail, e-mail, SMS, or by any other equivalent means of electronic communication, in order to send you communications in relation to its activities as specified in the form.

If, at any moment in time, you no longer wish to receive said communications, you may revoke your consent by sending an e-mail to the following address: programacion@fbbva.es, together with a copy of the pertinent document substantiating your identity.

How long will we store your personal data for?

During the period established in the form which, as the case may be, we have presented to you in order to provide your personal data to the BBVA Foundation, as well as the period set out in the Cookies Policy.

Who will we share your personal data with?

We shall not disclose or provide your personal data to any third parties, except when required by law or when we have obtained your express consent.

When your consent is required in order to communicate your personal data to third parties, we will notify you in the data collection forms of the purposes of the processing, of the data subject to such communication, and of the identity or sectors of activity of the possible recipients of your personal data.

Does the BBVA Foundation use cookies on this website?

On our Website we use a technology called “cookies”. For more detailed information about how the BBVA Foundation uses cookies, please read the Cookies Policy here

Does the BBVA Foundation use links to other web pages?

The Website may contain links to other web pages. Bear in mind that the BBVA Foundation is not responsible for the privacy or the processing of personal data in relation to other web pages. This Personal Data Protection Policy document is solely and exclusively applicable to the information that is obtained via the Website by the BBVA Foundation. We recommend that you read the personal data protection policies of the other web pages you link to from our Website or any other web pages that you visit. You may also obtain further information regarding our links policy in our Legal Notice here

What are your rights when you provide us with your personal data?

RIGHT	CONTENT	FORMS OF EXERCISING YOUR RIGHTS
Access	You may query your personal data included in the files of the BBVA Foundation	programacion@fbbva.es
Correction	You may modify your personal data when they are incorrect
Deletion	You may request the deletion of your personal data
Challenge	You may request that your personal data not be subject to processing
Limitation on data processing	You may request the limitation of the processing of your personal data in the following cases: – During the period in which the challenge regarding the accuracy of your data is verified. – When the processing is unlawful, but you object to the deletion of your personal data. – When you have objected to the processing of your personal data for the fulfilment of a mission in the public interest or for the satisfaction of a legitimate interest, while it is verified whether the legitimate interest pursued by the processing overrides your own.
Transfer	You may receive, in electronic format, the personal data that you have provided us with, and you may also transfer them to another entity.
If you consider that we have not managed or processed your personal data in accordance with applicable regulations, you may contact us via the e-mail address: programacion@fbbva.es Notwithstanding the foregoing, you have the right to file a claim with the Spanish Data Protection Agency (www.agpd.es)
To exercise your rights, you must attach a copy of your D.N.I. (National Identification Document) or equivalent identification document to your request.
The exercise of the foregoing rights is free of charge.

Furthermore you may withdraw consent at any time, without affecting the lawfulness of processing based on consent before its withdrawal, by sending your request to the following e-mail address: programacion@fbbva.es. Do not forget to accompany the request with a copy of your D.N.I. (National Identification Document) or equivalent identification document.

Personal data processing for representatives and contact persons

The purpose of the data processing shall be solely and exclusively to manage the relationships, of whatsoever type, with the legal person for which you render your services. That is to say, under no circumstances shall we process your personal data so as to establish a relationship with you as an independent natural person.

At the BBVA Foundation, we process your personal data for the purposes of disseminating information regarding our activities and, as the case may be, for managing the contract to which you are a party, by reason of your legal relationship with the BBVA Foundation.

The legal basis that enables us to process your personal data is to pursue the non-profit purposes and the legitimate interests of our Foundation and, as the case may be, the performance of the contract to which you are a party, as well as to comply with the obligations imposed by the applicable legislation.

COOKIES POLICY

You can check and configure cookies by accessing the

What are cookies?
Any type of data storage and retrieval device that is used on a user’s terminal equipment (for example, a computer, mobile phone or tablet) for the purpose of storing information and retrieving already stored information.
The term referred to here as cookies should be understood in the broad sense, including other similar technologies such as local shared objects or flash cookies as well as the web beacons or bugs, use of fingerprinting techniques, that is, techniques for taking the digital fingerprint of the device.

What are cookies used for?
We use first-party cookies and third-party cookies for very diverse purposes, such as, for example, recognizing you as a customer, obtaining information about your contracted products or interests, making measurements and usage statistics, personalizing the content to be shown to you or improving the offer of products or services that we offer you.
You can see the specific purposes of each of the cookies in the list of cookies when accessing the Configuration Panel.

What isthe type of cookies?

1. Depending on the entity that manages them:

First party cookies:: These are those that are sent to the user’s terminal equipment from a computer or domain managed by the editor itself and from which the service requested by the user is provided.
Third party cookies: These are those that are sent to the user’s terminal equipment from a computer or domain that is not managed by the editor, but by another entity that processes the data obtained through cookies. In the event that the cookies are served from a computer or domain managed by the editor itself, but the information collected through them is managed by a third party, they cannot be considered as first party, if the third party uses them for its own purposes. such as the improvement of the services it provides or for the provision of services, for example, of an advertising nature, in favor of other entities.

2. Depending on the purpose of the cookie:

3. Depending on their duration, cookies may be:

Session cookies: These are a type of cookies designed to collect and store data while the user accesses a web page. They are usually used to store information that is only interesting to keep for the provision of the service requested by the user on a single occasion (for example, a list of products purchased) and disappear when the session ends.
Persistent cookies: These are a type of cookies in which the data continues to be stored in the terminal and can be accessed and processed for a period defined by the person responsible for the cookie, which can range from a few minutesto several years.

How long are cookies kept?

Cookies will be used solely and exclusively for the time necessary to fulfill the purposesfor which each cookie has been indicated. In relation to third-party cookies, the retention periods can be consulted in the Privacy Policies of said third parties, as stated in the configuration panel.

How to manage consent again?

We inform you that we will only use cookies on your computer if you have given your consent through the access banner and the configuration enabled through the Configuration Panel.
The above, except in cases in which cookies are necessary for navigation on the terminal equipment and/or to provide the service requested by the user (technical cookies). Technical cookies are exempt from compliance with the obligations established in article 22 of the LSSI of the duty of information and obtaining consent (See definition of technical cookies).

The user may modify or revoke their consent at any time by configuring the options in the Setting Panel. The user has permanent access to the Configuration Panel through the link at the beginning of this Cookies Policy.
However, although we will retain the selection made by the user for a maximum of 24 months, periodically we will request that your consent be updated. Likewise, if after having obtained your consent there is a change in the cookies, in the purposes of their use or in third parties, we will request your consent again.
For third-party cookies, please note that revocation procedures are managed and controlled exclusively by each provider. To eliminate them, you can do so from the browser options or from the system offered by the third party itself. Check the links we provide for this in the Configuration Panel.
In any case, the user may, at any time, allow, block or delete cookies as well as delete their browsing data (including cookies) from the browser installed on their terminal. Check the options and instructions offered by your browser for this:

Deactivating all cookies does not prevent navigation through the service.

Do you want additional information about the processing of your data?

Some cookies may involve the processing of personal data, that is, when the user is identified by a name or email address that identifies them (for example, because they are a registered user), through the IP address or when they are used unique identifiers that allow users to be distinguished from others and to track them individually (for example, advertising ID).
To know the details about the processing of personal data, such as possible international transfers, consult our Personal Data Protection Policy here.

Changes to the Cookie Policy

This Cookies Policy may be modified when required by current legislation at any time or when there is any variation in the type of cookies used.

Latest version: December 2023

Aspects regarding security

At the BBVA Foundation we are aware of the need to guarantee the transfer of information in relation to the persons that are interested in our activities. Accordingly, the BBVA Foundation has adopted and implemented the maximum security measures so as to guarantee the confidentiality of communications.

The BBVA Foundation will never request, either by email, telephone or SMS, any personal data whatsoever. In the event that you receive any said type of message, please do not provide any personal data.

In addition to the security measures established by the BBVA Foundation, it is necessary that you adopt certain precautions when browsing the Internet in order to enhance your security during your daily activities and so as to avoid any malware.

Malware, that is commonly referred to as a virus, which is malicious software that is able to enter a computer, smartphone or tablet for certain purposes, such as the following: to steal private data, to prevent the device from working correctly or to take control of the device in order to carry out other malicious activities. Several different types of malware exist, that include:

Phishing: consists of the remittance of an email that supplants the identity, in the majority of cases, of a well-known organisation and that requests the data of the user (address, bank information, passwords…). For the user to provide said data, in the majority of cases, it is necessary for the user to click on a link that is included in the email and, through said false web page, the user then enters the requested information.
Ransomware: consists of a lucrative method of cybercrime. Habitually concealed as “courier services” or any other credible excuse, ransomware is propagated via links that provide for the installation of programs or the downloading of infected files. This virus blocks access to the computer’s information and requests a ransom that shall supposedly provide the key to decoding the information.

Hereinbelow, we shall set out a series of tips grouped into three different categories:

Secure browsing

Before clicking on a link, move the curser over the link and the URL that is to be accessed when clicking on the click shall be displayed. Verify that the URL is correct and that it relates to the activity that you want to carry out.
In shared PCs or if you are connected to a public WI-FI service, do not access web pages that require you to enter your user and password, and do not provide your personal data such as your postal address, telephone, etc.

Security in relation to your devices

Your operating system, your browser and common programs must be permanently up-to-date.
You must install and always keep up-to-date and active a firewall and an antivirus Programs of this type, free of charge, may be downloaded at www.osi.es.
Do not download on your computer any files the extensions of which are either .exe, .bat, .rar, .zip or .ini if you do not trust the sender thereof. Furthermore, do not open emails from unknown recipients.
Configure an unlock system on your device, so that third parties are not able to access said device.
Do not connect any external device of a dubious origin to your devices, such as pen drives, hard drives and mobile phones of any unknown persons.

Adhere to the foregoing tips to enhance your security on the Internet.