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Legal Notice

Corporate Governance and Remuneration Policy

Legal disclaimer

TERMS OF USE OF THE WEBSITE

BBVA supplies information on its web pages related to the type of activity, products and services that it provides.

(a) The information provided by BBVA should be considered by the user as a way of introduction, and may not be deemed a determining factor in any decision-making, with the Bank refusing to accept any liability for the use that may be shown to have been made of the same accordingly, and it is specifically to be understood that said information, governed by current regulations in Spain, is not designed for those users who proceed under other jurisdictions of Countries that demand compliance with other  requirements for the provision, disclosure or dissemination of financial services and/or products.

(b) BBVA reserves the right to update, modify or remove the information held on bbva.com, even being entitled to restrict or withdraw access to said information without prior notice. BBVA especially reserves the right to remove, restrict or withdraw access to its website whenever technical difficulties arise through events or circumstances beyond the control of BBVA which, in its opinion, compromise or remove the standard levels of security adopted for the proper operation of said website.

(c) Under no circumstances may BBVA be held responsible for any loss, damage or harm of whatsoever nature that may arise through access to and use of the website, including, but not restricted to, those arising in data processing systems or those caused by the presence of viruses and/or computer attacks. Neither shall BBVA be liable for damage caused to users through the improper use of this website and, under no circumstances, through computer crashes and interruption, absence or failure of telecommunications.

(d) BBVA may not be held responsible for the truthfulness, integrity or validity of the information that it has not generated itself and which is specified as pertaining to another source, nor of the content of other websites accessed by means of hyperlink or link from bbva.com, provided to the user as alternative sources of information, which shall be governed by the terms and conditions of use that are required for the purpose by the holders of said websites, whereby BBVA accepts no responsibility whatsoever regarding possible damages that may occur through the use of said information. Under no circumstances shall the aforementioned hyperlinks be considered as recommendation, endorsement or distribution on the part of BBVA of the information, products and/or services, or, in general, content pertaining to third parties, provided by them or disseminated by them in any way whatsoever.

(e) BBVA accepts no responsibility for possible discrepancies which, being of a transitory nature, may arise between the version provided by its printed documents and the electronic version of the same published on its web pages.

(f) The entirety of this website, in other words, the elements of which it comprises (texts, images, brands, logos, audio files, software files, combinations of colours), as well as the structure, selection and arrangement of its content, is protected by legislation on Intellectual and Industrial Property, and may not be used, reproduced, distributed, modified, publicly disclosed, conveyed or transformed or disseminated in any other way without express permission.  Access to this website does not grant users any right or ownership whatsoever over the rights of intellectual and/or industrial property protecting the content provided by this website.BBVA reserves the right to take legal action as appropriate against those users who are in breach of or infringe rights of intellectual and/or industrial property.

POLICY ON THE PROTECTION OF PERSONAL DATA

At BBVA we guarantee the protection of our customers’ data. The seal of the Spanish Association of Electronic Commerce (AECE) endorses us as the first financial institution to apply its Ethical Code for the Protection of Data on the Internet. The website of BBVA, Banco Bilbao Vizcaya Argentaria. S.A., at bbva.com, does not automatically register any data regarding the identity of visitors to its pages. With on-line banking services, in order to uphold the security and confidentiality of the transactions, the system requires the prior identification and authentication of the user, through the request for access codes. In those circumstances in which the user requests information on services or products, or seeks to proceed with claims or enquiries by means of the submission of forms displayed on the web pages of BBVA, it will be necessary in all cases to gather those personal details as appropriate in order to reply to the request.

All these data are treated with the utmost confidentiality, being used for the purposes for which they have been requested, within the framework of the Organic Law on the Protection of Personal Data and other concurrent legislation.

GENERAL DETAILS

Banco Bilbao Vizcaya Argentaria S.A. with registered address at Plaza de San Nicolás, 4 – 48005 Bilbao (Vizcaya), telephone 944 876 000, contact email: atencion.clientes@grupobbva.com.

ENTRY IN THE COMPANY REGISTER

BBVA (Banco Bilbao Vizcaya Argentaria, S.A.) is registered at the Vizcaya Mercantile Registry in volume 2,083, sheet 1, Hoja BI-17-A, 1st inscription.

ADMINISTRATIVE AUTHORISATION AND RULING BODY

BBVA is a Bank that is subject to the supervision of the Bank of Spain and is recorded in the Administrative Register of the Bank of Spain under number 0182.·

FISCAL IDENTITY NUMBER

CIF A-48265169