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Privacy Policy

Fundación Bancaria Caixa d’Estalvis i Pensions de Barcelona, ”la Caixa” (hereinafter, ”la Caixa” Banking Foundation) is the entity that owns this website or portal (hereinafter, the “Website”).

Access to the portal of ”la Caixa” Banking Foundation and the information that it contains implies acceptance of the conditions stipulated in this Legal Notice. We therefore recommend you to read its contents carefully if you wish to access and make use of the information and the services which may be offered from this portal.

Validity of information and contents

The information contained in these pages was correct when they were last updated.

These conditions have been valid since the site was last updated. ”la Caixa” Banking Foundation reserves the right to modify them at any time, in which case they will come into force on the date of their publication and will be applicable to all users of the portal from that date.

The contents of the portal, particularly information and publicity material, do not constitute any kind of binding offer, except when this is expressly indicated. ”la Caixa” Banking Foundation reserves the right to introduce modifications to the current contents of the portal and partially or totally omit them when it considers it appropriate, and to impede or restrict access to the site temporarily or permanently.

The website may allow users to introduce contents. ”la Caixa” Banking Foundation reserves the right leave unpublished, withdraw or delete any comments whose content it considers incorrect, imprecise or contrary to this Legal Notice.

Users may not post content on the website about religious beliefs or political ideas (including statements from political parties and religious organisations or their symbols). Nor may they include content that is antisocial, offensive to cultural or religious values, provocative, disrespectful, violent, obscene or sexual, or which refers to groups that are socially inacceptable or illegal, or any other content which may damage the sensitivity of third parties, infringe fundamental rights and public liberties recognised under current legislation and/or those enshrined in law concerning consumer and user rights and the protection of minors, or which constitute or represent a violation of personal or family privacy in the case of natural persons, or are in contravention of third parties’ right to honour or privacy of communication. Under all circumstances, the user will be the sole party responsible for opinions given in comments, as also for the veracity, accuracy and/or lawfulness of such comments.

The inclusion of contents subject to copyright and/or image rights is subject to the user in question having sufficient claim to the use of such content by said user or obtaining such authorisation as may be necessary for the content to be used both by said user as well as by others, under the terms set out in these Conditions of Use, and to the use of content involving no infringement of any legal provision, contract, right or ownership by third parties, nor in any way representing unfair competition.

In consequence, by virtue of including contents on the website, it will be understood that the user has the legal grounds to do so.

Privacy and data protection policy

”la Caixa” Banking Foundation fully complies with the legislation in force regarding protection of personal data, and with the commitment to confidentiality required of banking activity. ”la Caixa” Banking Foundation has adopted the technical measures necessary to maintain the required level of security, according to the nature of the personal data held and the way in which it is used, doing everything possible, within the limitations of current technology, to prevent the alteration or loss of such data, and unauthorised access to or use of it.

When customers or users are asked to supply personal details to complete a form, they will be informed of the recipient of the data and the purpose for which it is being collected, the identity and address of the body responsible for the file (file manager) and the fact that they may exercise their rights of access, rectification, cancellation and opposition to the treatment of their data. The personal data collected will only be used and/or transferred for the purpose specified, and always with the consent of the user or customer.

So that the information in our files is always accurate and up to date, we ask our customers and users to inform us as soon as possible of any changes in their personal details.

Some of the pages of the portal of ”la Caixa” Banking Foundation have cookies, small data files generated in the user’s or customer’s computer, which enable our systems to remember the language and the portal chosen, together with the user’s browsing preferences and other details in their first session. These "cookies" are not invasive or harmful, nor do they contain data of a personal nature, since their only function is to customise your browsing as indicated above.

Intellectual and industrial property

The portal of ”la Caixa” Banking Foundation, the pages that constitute it and the information or elements contained in them include texts, documents, photos, drawings, graphic representations, databases and computer programs, as well as logotypes, commercial names and other distinctive signs. These are protected by intellectual or industrial property rights, of which ”la Caixa” Banking Foundation or the companies of its Group are holders or legitimate licensees.

”la Caixa” Banking Foundation does not provide any guarantee whatsoever of the lawfulness and legality of the information or other elements contained in the pages of the portal when they are not owned by ”la Caixa” Banking Foundation or the companies of its Group.

Conditions of use

Any form of exploitation of the aforementioned works, creations and distinctive signs, including all types of reproduction, distribution, transfer to third parties, public communication and transformation, by any means and using any type of support is strictly prohibited without the prior express authorisation of their respective owners. Breach of this prohibition may constitute an offence punishable under law.

Nevertheless, users may, under their own responsibility and at their own risk, download or make a copy of these elements exclusively for their own personal use, on condition that it does not infringe any of the intellectual or industrial property rights of ”la Caixa” Banking Foundation. In particular, they may not alter, modify or erase them totally or partially. In no case will this represent an authorisation or licence regarding the intellectual or industrial property rights of ”la Caixa” Banking Foundation or of the companies in its Group.

Unless expressly authorised by ”la Caixa” Banking Foundation, third parties may not establish connections, hyperlinks or links from other portals or websites to pages on its website distinct from the main page of its portal, accessible at the URL address (, or whatever may replace it in the future, or present its web pages or the information contained in them using the frames, distinctive signs, brands or company or commercial designations of another person, company or entity.


”la Caixa” Banking Foundation does not guarantee continued access or the correct visualisation, download or use of the elements and information contained in the pages of its website, which may be impeded, obstructed or interrupted by factors or circumstances beyond its control.

”la Caixa” Banking Foundation is not liable for the information and other content in spaces or web pages belonging to third parties accessible from its portal by means of hyperlinks or links, nor for the information and other content in spaces or web pages belonging to third parties which can be accessed by means of links or hyperlinks to their websites or any of their pages, nor the information and contents of any web page belonging to third parties and presented with the appearance or distinctive signs of ”la Caixa” Banking Foundation, except with the express authorisation of the latter.

”la Caixa” Banking Foundation and its information providers do not assume any liability whatsoever with regard to the information, contents of any type, products and services offered or supplied through its website by third parties or entities, including those belonging to the same business group, and, especially, for damages of any type, linked to the foregoing, that may be caused by: (i) information for users that is missing or lacking in truthfulness, accuracy and sufficiency; (ii) failure to comply or comply fully and punctually with contracts or pre-contractual agreements; (iii) breach of the obligations that bind the providers of services in the information society; (iv) infringement of the rights of consumers and users; (v) infringement of intellectual and industrial property rights, unfair competition or illegal publicity; (vi) infringement of data protection laws, of professional secrecy and the right to honour, personal and family privacy and respect for one’s personal image; (vii) in general, the breach of any laws, customs or codes of conduct that are applicable and (viii) any decision taken based on the information provided through this portal.

Neither ”la Caixa” Banking Foundation nor its information providers accept any liability for damage, loss, claims or costs arising from: (i) interference, interruptions, errors, omissions, telephone breakdowns, delays, blockages or disconnections in the functioning of the electronic system, caused by deficiencies, overloads and errors in telecommunication lines and networks, or by any factor beyond its control; (ii) illegal intromission by means of harmful programs of any type, such as computer viruses, through any means of communication; (iii) improper and inappropriate use of the web pages of ”la Caixa” Banking Foundation; (iv) security or browsing errors caused by the malfunctioning of the browser or by the use of versions of the browser which have not been updated.

”la Caixa” Banking Foundation is not responsible for any discrepancies that, temporarily, may arise between the version published in its printed documents and the electronic version of these documents published in its web pages.

Cookies policy

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