Legal Notice

GENERAL TERMS AND CONDITIONS OF USE

This website is the property of Banco Santander S.A. (hereinafter "Banco Santander"), an entity registered with the Bank of Spain under registration number 0049 with its registered office at Paseo de Pereda 9-12, Santander, with Tax ID/CIF A-39000013 and registered in the Companies Registry of Santander, Page 286, Folio 64, Book 5 of Companies, 1st entry.

Terms and conditions of use of this website

Please read the following terms and conditions of use of the website (the "Terms and Conditions of Use") carefully. Users of the website must comply with these Terms and Conditions of Use at all times. By accessing and using this website and any of its pages (hereinafter, "the Website"), you assume the status of a user and automatically agree to all of these Terms and Conditions of Use.

The Terms and Conditions of Use, the Legal Notice, the Privacy Policy and the Cookie Policy together constitute the terms and conditions governing access to and use of the Website.

The User undertakes to make diligent use of the Website in accordance with the legislation in force, good faith and public order. The User also undertakes to refrain from using the Website for fraudulent purposes or any acts that may damage or compromise the image, interests and rights of Banco Santander, damage, disable or overload the Website or hamper or impair the normal operation or use of the Website in any way whatsoever.

The User is hereby informed that in the event of failure to comply with any of the obligations in the Terms and Conditions of Use, Banco Santander reserves the right to restrict, limit, suspend or terminate the User’s access to the Website, adopting any technical measure necessary to do so.

Banco Santander also reserves the right to update, amend or delete the information contained on the Website, including the content and/or services it contains, and to suspend, cancel, terminate, restrict, limit or withdraw permission to access the information or the links on the Website at any time and without prior notice. In particular, Banco Santander reserves the right to remove, restrict or limit access to the Website in the event of technical difficulties arising due to circumstances not attributable to Banco Santander that are deemed to reduce, override or compromise the security levels or requirements adopted for adequate functioning of the Website.

Content

While Banco Santander has obtained the information and materials included on the Website from sources considered to be reliable, and although reasonable measures have been taken to ensure that the data contained therein are correct, Banco Santander cannot guarantee that they are accurate, complete or up to date and therefore they should not be construed as such. Banco Santander expressly denies any liability whatsoever for any error or omission in the information contained on the Website.

Banco Santander will also not be held liable for any information on the Website that fails to meet the expectations of its Users or any opinions or comments that may appear on the Website or are made by individual Users.

Users may not erase, delete, alter, bypass or tamper with any protective or security device or system installed on the Website.

The information on the Website is for informative purposes only and does not entail any recommendation of any kind whatsoever. Therefore, it may not be construed as legal, tax, financial, investment or technical advice, considered to be an offer or recommendation by Banco Santander to enter into any transaction or operation or be used as the basis for decision-making of any kind.

Banco Santander will not be held liable for the use made of the information contained on the Website and, in this regard, the information is subject to the applicable legislation in Spain and is therefore not intended for users operating in other jurisdictions that require compliance with different requirements for disclosure or publication of the information appearing on the Website.

Banco Santander will not be held liable for any damage, injury, loss, claims or costs of any kind, regardless of whether they arise from use of the Website or the information contained therein or accessed via the Website, computer viruses, operational failures or interruptions in the service or transmission, line failures or any other use of the Website, whether via a direct connection, third-party links or any another medium.

Links

Banco Santander accepts no liability for third-party websites that may be accessed via links or any content made available by third parties. Any use of links or access to websites not owned by Banco Santander is at the User’s sole risk and discretion. Banco Santander neither recommends nor guarantees any information obtained by or through any link, and accepts no liability for any loss, claim or injury resulting from use or misuse of a link or any information thus obtained, including from other links and websites, or any interruption of service or access or any attempt to use or misuse a link, whether to access the Website or information on other websites from the Website.

Intellectual and industrial property

Unless specified otherwise, Banco Santander and/or its licensors are the owners and holders of the intellectual and industrial property rights to the use and reproduction of the Website, including its pages, screens, the information contained therein, appearance, structure, design, source code, audio files and software. All names, designs and/or logos on the Website are duly registered and owned by Banco Santander and/or its licensors. Any undue use thereof by any person other than the legitimate owners or holders will be prosecuted in accordance with the applicable legislation currently in force.

The User’s use of the Website does not entail any assignment or transfer of any intellectual and/or industrial property right concerning the Website, its content and/or trade marks and other distinctive signs of Banco Santander or any other third party. Unless otherwise authorised by Banco Santander or in the cases permitted by law, it is expressly prohibited to reproduce, copy, disclose to the public, transform, extract, reuse, distribute, assign or transfer, modify, alter or delete the information, content and/or trade marks or distinctive signs of Banco Santander or any third party incorporated into this Website, or to reproduce, distribute or disclose to the public part or all of the content of the Website for commercial purposes.

Use of cookies

The Website uses the technology known as cookies. Banco Santander’s use of cookies is governed by its Cookie Policy.

Applicable legislation

These Terms and Conditions of Use are governed by Spanish legislation.