Below you will find this website's Terms of Use, which must always be observed by users of this Website.

The following Terms of Use govern the use of the website that BBVA makes available to users. 

After concluding the framework agreement for the provision of banking services by BBVA, customers will also be able to access the private area of the Website as soon as it becomes available.

Your access to and use of the Website is subject to your unconditional acceptance of these Terms of Use and your agreement to comply with them. Therefore, the User should carefully review these Terms of Use every time before they use it, as they may be subject to change. BBVA reserves the right to update, modify, or remove the Terms of Use at any time. The use of the Website is subject to the current Terms of Use available on the Website. 

Users are obliged to comply with applicable legal provisions, to act in good faith and to respect public order. The users also undertake not to use the Website for fraudulent purposes and to refrain from any actions that may harm the image, interests, or rights of BBVA and/or third parties. The users also undertake to refrain from any actions that could damage, overload or otherwise impair the Website, or to use it in another way that hinders its normal operation and use. 

BBVA reserves the right to restrict, suspend or terminate users' access to the Website if they do not fully comply with the Terms of Use. All technical measures necessary for this purpose may be taken. 

BBVA reserves the right to update, modify, or remove the information contained on the Website, including integrated content and/or services, as well as to restrict or block access to this information at any time and without prior notice. In particular, BBVA reserves the right to terminate, restrict, or block access to the Website in the event that technical issues appear that can be traced back to factors or circumstances that lie outside of BBVA's control, and that, in BBVA's opinion, could restrict or endanger the level of security or the security standards necessary for the proper functioning of the Website. To this end, BBVA reserves the right to determine at any time whether to continue providing the services offered through the Website. 

BBVA and its licensors are the owners of the Website's intellectual and industrial property rights. These rights include the availability of the Content, sui generis rights to the underlying databases, the Website’s graphic design and user interface (look and feel), the underlying software programs (including source and object code), and the various integrated elements such as text, images, photographs, videos, and audio recordings (collectively, the “Content”). BBVA or its respective licensors are also owners of rights to the trademarks and other distinctive attributes and symbols displayed on the Website (“Trademarks”). 

The use of the Website by the users does not transfer to the users any intellectual and/or industrial property rights to the Website, its contents, and/or BBVA’s trademarks. The users are expressly prohibited from reproducing, modifying, distributing, publicly sharing, making available, extracting information from, and/or reusing the Website, its contents, or the trademarks of BBVA or third parties incorporated therein. Users are not permitted to use the content or trademarks for purposes other than visiting the website, except where permitted by law and subject to the prior consent of BBVA. BBVA reserves the right to pursue legal action against any User who violates intellectual and/or industrial property rights, including those related to content and trademarks. 

BBVA grants users who comply with the Terms of Use a non-exclusive right to use the Website, so that users may use the Website in accordance with the Terms of Use.

Furthermore, BBVA CLARIFIES that:

• The information contained on the Website is provided solely for informational purposes and does not constitute legal, tax, financial, investment, or technical advice, nor should it be interpreted as an offer or guarantee by BBVA. Nor should it be understood as a recommendation for making transactions or form a basis for decisions in a particular direction. BBVA excludes all liability arising from the users' use of the information contained on the Website.
• The content of the Website is intended exclusively for Users residing in Germany. No advertising activities or offers for banking and financial products will be directed through the Website to potential users in other countries where the offering of such products may be subject to restrictions or limitations.
• The information provided by BBVA on the Website does not constitute an evaluation or recommendation regarding the products or services presented on the website.
• BBVA is not responsible for ensuring that the Website meets users' expectations. BBVA shall not be liable for the correctness, accuracy, adequacy, completeness, or timeliness of information not produced directly by BBVA, especially when such information cites a third-party source. Furthermore, BBVA shall not be held responsible for opinions or comments appearing on the Website and written by individual users, or were derived from the aforementioned sources. 

BBVA reserves the right to update, modify, or delete the information contained on the Website in accordance with the Terms of Use and is under no obligation to inform the User of any changes made to the Website's content or information. The above information provided by BBVA is RECOGNIZED AND ACCEPTED by the users, who also guarantee compliance with all regulations applicable to them as users of this website.

 

 

Creating links to the Website is prohibited unless previously authorized by BBVA. Once authorized by BBVA, the link must in any case be made in accordance with the following conditions: 

• The Link must not be created using frames that enable the Website to be viewed through Internet addresses other than the Website itself, or display the Website's information in another way in conjunction with information contained on other websites.
• The website that contains the link (hereinafter “Linking Website”) must not include any false, inaccurate, or misleading statements regarding the Website and/or BBVA. 
• BBVA sponsors and cooperates with the service provider that provides the services on the Linking Website. BBVA assumes no liability for the content of the Linking Website.
• The Linking Website must strictly comply with the legislation and must not under any circumstances show its own content or content from third parties that: (i) infringes upon the rights of third parties, is unlawful, offensive, abusive, violent, inappropriate, or is otherwise contrary to good morals and public decency (e.g. pornography, racism, etc.); (ii) gives or may give users the impression that BBVA supports, subscribes to or otherwise approves the ideas, statements or comments of the person who formulated them, regardless of whether they are lawful or unlawful; or (iii) are inappropriate and not relevant to BBVA's activities.

Failure to comply with any part of the above Terms of Use may result in BBVA taking legal action. 

 

 

To make it easier for the User find additional information, BBVA may include various types of technical linking devices that allow the User to access other websites ("Linked Websites"). In such cases, BBVA acts as an information society service provider in accordance with the provisions of Article 3a of Regulation (EU) 2022/2065. BBVA's liability for services and content provided through Linked Websites is limited in accordance with the provisions of the German Digital Services Act.

The existence of the Linked Websites does not, under any circumstances, constitute a recommendation, endorsement, identification or demonstration of conformity by BBVA with the statements, content or services of the Linked Websites. Accordingly, BBVA disclaims any responsibility for the content of Linked Websites, their terms of use, and/or their respective policies, including privacy policies. The users are solely responsible for reviewing and accepting these terms of use and privacy policies every time they access and use these websites.

If the user or another internet user becomes aware of any information or content on or via the Website that is illegal, infringes on the rights of third parties, or is harmful, offensive, violent, inappropriate, or otherwise contrary to good morals and social norms, the User may contact BBVA and provide the following information:

• personal data of the reporting person: name, address, telephone number, and email address.
• description of the circumstances under which the illegal or inappropriate nature of the content or information emerged, along with the exact URL where it was found;
• in the case of the violation of third-party rights – such as industrial property rights – the owners of the violated rights are to be stated if this is a person other than the reporting person. proof of ownership of the infringed upon rights and, if applicable, proof of the actual authority of the rights holders must then be provided if they are persons other than the reporting person. 

The receipt of a notice under this clause does not constitute actual knowledge by BBVA of the activities and/or content specified by the reporting person, unless such knowledge is evident. In any case, BBVA reserves the right, upon assessment of the relevant legal considerations, to block or remove any content that, while not necessarily unlawful, is in violation of these Terms of Use. 

 

Users should be aware that communication over open networks, which are subject to different kinds of threats, cannot be regarded as fully secure. It is the sole responsibility of the User to implement all appropriate technical measures in order to adequately check for these threats. These include systems for detecting malicious software such as viruses, Trojans, etc. as well as updating the security patches in the relevant browsers. Further information can be found BBVA's Security Policy. You can also contact your Internet provider, who can offer suitable solutions for your specific needs. BBVA is liable for damages if and to the extent that they are due to intent or gross negligence. In the event of culpable injury to life, body or health of a natural person, BBVA is liable even if the damage was caused by simple negligence. The same applies in the event of a breach of a cardinal obligation, i.e. an obligation whose fulfillment is essential for properly executing the promotion and achieving the purpose of the contract, and on whose compliance the promotion participant can regularly rely. Any further liability is excluded. Liability under the German Product Liability Act remains unaffected. BBVA is not responsible for the content of linked websites. BBVA is not responsible for any damage caused by vulnerabilities in users' systems and tools. BBVA does not guarantee the complete security of its systems and, although appropriate security measures have been taken, the existence of vulnerabilities cannot be completely ruled out. Users must therefore be careful when interacting with the website.

In particular, BBVA is not liable for:

• Damage or losses of any type that are caused by viruses, worms, Trojan horses or other malicious software on the User's computer;
• damages or losses of any kind resulting from failures or disruptions of the telecommunications networks that may cause the suspension, termination, or disruption of the Website's services as they are being provisioned; in relation to the foregoing, users therefore acknowledge that access to the Website requires services provided by third parties over which BBVA has no control (e.g. telecommunications network operators, access providers, etc.) and whose reliability, continuity and operation BBVA cannot control. BBVA is also not responsible for ensuring the availability of Website-related services. 

With regard to information published by third parties, BBVA's liability is limited in accordance with the Digital Services Act.

BBVA shall not be held liable for any direct or indirect damages incurred by the User resulting from improper use of the Website and/or its content. BBVA is under no obligation to inform Users of changes made to the content of the Website.

Protection of personal data

Information regarding the processing of users' personal data in connection with the use of this Website can be found in the Document on Data Processing,

Use of cookies

As with many other commercial websites, this Website also uses "cookies.” Detailed information on how BBVA uses cookies can be found in our Cookie Policy.

Further information on security can also be found in the Cookie Policy.

 

 

The IT services provided by BBVA through this Website are governed by German law. Accordingly, German law shall apply to all legal matters relating to the Website, as well as to any disputes between the user and BBVA.