BANCO BILBAO VIZCAYA ARGENTARIA, S.A. ("BBVA") hereby provides users (the "User" or the "Users") of this website www.momentum.bbva.com (the "Website") with the following general information in accordance with article 10 of Law 34/2002 of July 11, on Information Society Services and E-Commerce (the "LSSI").
These Conditions of Use regulate use of the Website that BBVA makes available to the Users.
The Conditions of Use together with the Legal Notice, the Personal Data Processing and the Cookies Policy jointly constitute the terms and conditions that govern access and use of the public part of the Website (the "Website Terms and Conditions").
Access to and use of the Website by the User implies the User's full acceptance of the Terms and Conditions for the Website and obligation to fully comply with them. Therefore, the User must carefully read these Conditions of Use, as well as the rest of the Terms and Conditions for the Website on each occasion he or she intends to use the Website, since these may undergo modifications, with the User being notified about these at the time of the new access. BBVA reserves the right to update, modify or remove these Terms and Conditions for the Website.
The User is obligated to make proper use of the Website, with proper use understood to mean that the User conforms with legislation in effect, good faith, and public order. The User is also committed to refraining from using the Website for fraudulent purposes, and to refrain from any conduct that could damage the image, interests, or rights of BBVA or of any third parties. Likewise, the User is also committed to refraining from any act that has the intention of damaging or overloading the Website or making it otherwise unusable, or that in any way impedes the normal use and functioning of the Website.
The User is hereby informed that, in the case of non-compliance with any of the obligations derived from the Terms and Conditions for the Website or from any of the other individual terms or conditions found at the Website, BBVA reserves the right to limit, suspend, or terminate the User's access to the Website, adopting any technical measures that may be necessary for this purpose. BBVA also reserves the possibility of exercising such measures under circumstances where there is reasonable suspicion that the User is violating any of the terms found in the Terms and Conditions of the Website or any other individual terms or conditions found on the Website.
BBVA reserves the right to update, modify, or delete the information contained on the Website, including the contents and/or services integrated into it, and may limit or disallow access to such information at any time and without prior notice. BBVA especially reserves the right to delete, limit, or prevent access to the Website when technical difficulties arise due to facts or circumstances beyond BBVA's control, and which, in the judgment of BBVA, may decrease or invalidate the security levels or standards adopted for adequate functioning of said Website. For such purposes, BBVA reserves the authority to, at any time, decide whether to continue with the information society services that it provides through the Website.
The User RECOGNIZES AND ACCEPTS the statements made by BBVA above, and additionally, GUARANTEES compliance with all regulations applicable to Users of this Website.
Establishing links with the Website
It is prohibited to establish links that lead to the Website, unless this has been previously authorized by BBVA. In any case, once the link has been authorized by BBVA, it must be established under the following terms:
In the event that any of the aforementioned terms are breached, BBVA will take the appropriate legal measures.
In order to help the User find further information, BBVA may include various technical linking devices that allow the User to access other websites (the "Linked Sites"). In these cases, BBVA may act as an intermediary service provider under the provisions of article 17 of the LSSI. According to the contents of the cited legislation, BBVA will not be liable for the services and contents provided via the Linked Sites, unless it has effective knowledge of illegal content and has not deactivated the link with due diligence.
Under no circumstance does the existence of Linked Sites imply BBVA's recommendation, promotion, identification, or conformity with the statements, contents, or services provided via the Linked Sites. As a result, BBVA does not accept liability for the contents of the Linked Sites, nor for their conditions of use or privacy policies. The User is solely responsible for verifying these and accepting them each time it accesses and uses such sites.
The intellectual and industrial property rights over the Website, including the various elements integrated into the Website (texts, graphics, photographs, videos, sound recordings, etc.), its availability, the graphic design and User interface (look & feel) of the Website, the underlying computer programs (including source and object codes) and the sui generis right over the underlying databases (collectively known as the "Contents"), belong to BBVA or its licensees. BBVA or its licensees also own the rights to the distinctive signs included on the Website (brands and trademarks).
Use of the Website by the User does not imply cession of any intellectual and/or industrial property rights over the Website, its Contents, and/or the distinctive symbols of BBVA. Therefore, under the current Conditions of Use, except in circumstances where it is legally permitted or with prior authorization from BBVA, the User is expressly prohibited from reproducing, transforming, distributing, publicly communicating, making available, extracting from, and/or reusing the Website or any part of it, its Contents, and/or the distinctive BBVA signs or those of any third parties included on the Website. BBVA reserves the right to take any relevant legal action against Users who violate or infringe intellectual and/or industrial property rights.
It is not permitted to remove, avoid or manipulate the copyright notices ("copyright") or any other information identifying the rights of BBVA or third parties included on this Website.
BBVA grants authorization to use the Website to Users who respect the Terms and Conditions of the Website, non-exclusively, for the maximum period of validity of the intellectual and industrial property rights as established in the applicable legislation (except in cases where access to the Website has been suspended for justifiable cause), so that the User can use the Website in conformity with this document.
If the User, or any other Internet User has knowledge that any type of information or content on the Website, or provided through it, is unlawful, harmful to the rights of third parties, damaging, degrading, violent, inappropriate, contrary to the provisions in these Conditions of Use or otherwise contrary to common decency and social norms, they can contact BBVA indicating the following:
Receipt of the notification described in this clause by BBVA does not consist of actual knowledge of the activities and/or contents indicated by the reporting person when this knowledge is not obvious or evident. In any case, BBVA reserves the right to suspend or remove any contents that, even if not illegal, are contrary to the rules established in these Conditions of Use, after considering the legal interests under conflict.
The User must be aware that communications performed through open networks are exposed to a variety of threats and may not be considered as secure. It is the User's responsibility to adopt all appropriate technical measures to reasonably manage these threats, including among others, possessing updated detection systems for malicious software such as viruses, Trojan horses, etc., as well as keeping security patches up-to-date in the corresponding browsers. For more information, you can view BBVA's Security Policy or contact your Internet service provider who will be able to provide you with appropriate solutions for your needs. Within the maximum scope permitted by the applicable legislation, BBVA waives liability for damages or losses caused to the User as a result of risks inherent to the media employed, as well as for those caused by vulnerabilities in the User's systems and tools. Nor does BBVA guarantee the total security of its systems, and although it has implemented suitable security measures, it cannot totally rule out the existence of vulnerabilities, and as a result, the User must exercise caution when interacting with the Website.
In particular, BBVA will not be liable for:
Nor will BBVA be liable for damage or injury, whether direct or indirect, that the Users may suffer by improper use of this Website or its contents, and it makes no commitment to notify of changes or change its content.
Personal data protection
The rules related to the processing of Users' personal data for the use of the Website are regulated by the document Personal Data Processing.
Private area and register of users
Access to certain sections of the Website and use of some of its services may require previous subscription or may require that the User is registered in the register of Users and accepts specific individual conditions ("Individual Conditions") which may in time develop, complement and/or modify these Conditions of Use and in some cases, the Website's general policy on Personal Data Processing.
Once the User is registered, he or she will receive all log-in codes, passwords or the equivalent necessary to continue operations. These will be specific to the User and non-transferable. The User will be responsible for protecting them and concealing them as well as taking necessary precautions to avoid them from being discovered by third parties.
It will be the User's responsibility to apply the diligence due to prevent third parties from being able to access or use said codes, log-in details or identification passwords in their name. They will also be liable if they use said codes, log-in details or identification passwords for improper or illegal purposes; or those contrary to that established in these Conditions of Use, and where applicable, the Individual Conditions associated with a specific service or section of the Website.
Registering in the register of Users for any of these private area or restricted access sections or services also implies the User's express and unreserved acceptance of any Individual Conditions applicable.
For further information, please read the Cookies Policy.
In accordance with article 3 of the LSSI, the laws of Spain will be those applicable to the information society services that BBVA provides through the Website. Therefore, Spanish legislation will be applicable to all legal issues that may involve this Website or any disputes between the Registered User and BBVA involving this Website.