Legal Notice

Banco Santander, S.A. provides the following website for internet users:, and (hereinafter the "Portal”) free of charge with access to the same and use of its services and/or content being governed by the provisions of this Legal Notice.

Users must read this document carefully. This Portal provides access to pages provided for internet users free of charge. By visiting this URL and any of its pages, you will be considered a user and are understood to have accepted this Legal Notice. Website access may be restricted by the laws and regulations of different national jurisdictions.

1. Purpose and changes to conditions.

Banco Santander, S.A. allows users to browse and access the Portal content and services provided they do so as specified in this Legal Notice.

Banco Santander, S.A. reserves the right to authorise Universia Holding S.L to modify or remove the content, structure, design, services and the terms of access and/or use of the Portal whenever it sees fit and without notice, and it also reserves the right to interpret this Legal Notice with respect to any doubts that may arise regarding application of the same.

This Portal is the property of Banco Santander, S.A., an institution registered with Banco de España under number 0049, with registered offices in Santander, at Paseo de Pereda 9-12, and with corporate tax number: A-39000013.

2. Requirements for accessing and using the services and content on the Portal.

Some of the Portal services can only be used by registered users.

Access to and/or use of the Portal is totally voluntary and anyone who accesses or uses it will be considered a user. All users, whether registered on the Portal or not, accept the content of this Legal Notice without reservation, along with any specific conditions that may supplement, replace or amend it in any way in relation to the Portal services and content, by accessing the Portal. Accordingly, users must carefully read all of the aforementioned documents before accessing and using any service provided on the Portal, entirely on their own responsibility.

In any case, Banco Santander, S.A. reserves the right to deny access to the Portal or deactivate or delete any registered users, at any time and without any notice, who do not comply with this Legal Notice.

3. General Principles – Responsibility of the user

The user undertakes to use the services and content provided on the Portal in good faith and in accordance with the legislation applicable to each, pursuant to the provisions of this Legal Notice, and generally accepted usage, and not to perform any actions on the Portal that contravene public order or the provisions of this Legal Notice. Therefore, any use for unlawful purposes or that is to the detriment of or prevents, may damage and/or exceed the normal functioning and use of the Portal, in any way, or which directly or indirectly causes damage to the same or to any third party, is forbidden.

In accordance with national and international regulations on the protection of human rights, Portal users will not transmit anything that impinges on the values and dignity of human beings via the services, tools, assessments or comments on Portal content.

Portal users undertake to provide true and accurate information about themselves on their registration forms and to supply an external email address that belongs to them.

Likewise, the reproduction, distribution, transmission, adaptation or modification, by any means and in any way, of Portal content (copy, designs, charts, information, databases, sound and/or image files, logos and other items from these sites) are prohibited, unless prior consent has been granted by the legitimate owners or when allowed by law.

Use of the aforementioned content for commercial or advertising purposes beyond those expressly permitted, or the infringement of any rights arising from such actions, is also prohibited.

4. Conditions which must be fulfilled by users wishing to create a hyperlink between their web page and the Portal.

Portal pages may not be reproduced using a hyperlink on another unauthorised portal or website.

Under no circumstance will Banco Santander, S.A. be understood to authorise the hyperlink or to have, in any way, supervised or approved the services or content provided by the portal containing the hyperlink.

No false, incorrect or inaccurate statements or references may be made in relation to Banco Santander, S.A. pages or services.

The page from which the hyperlink is established can have no distinguishing features referring to the Portal, with the exception of the signs forming part of the hyperlink itself.

It is explicitly forbidden to create any type of browser, Programme or border environment concerning the Portal's pages.

Content that infringes the rights of third parties or is contrary to good moral behaviour and customs, and unlawful information or content, may not be included on the website containing the hyperlink.

The existence of a hyperlink between a web page and the portal does not imply the existence of any relationship between Banco Santander, S.A. and the owner of that page or the acceptance or approval of its content or services.

5. Responsibility of the user.

The users will be solely responsible for their use of the Portal and for complying with this Legal Notice in its entirety. Therefore, users undertake to keep their log-in details and passwords, or similar data assigned to them for accessing the Portal or any of its services, secret and confidential and will be held responsible for any damage of any nature derived from improper use of the same by them or by third parties due to their negligence or breach of this Legal Notice.

Any breach of this Legal Notice may give rise to the corresponding civil or criminal, judicial or extrajudicial, proceedings against the user, who must hold Banco Santander, S.A. harmless as regards any claims, lawsuits or damages they may face as a result of such a breach.

6. Warranty and Liability Disclaimer.

Banco Santander, S.A. does not guarantee and will not be held responsible, in any case or under any circumstances, for the following events and content or for any damages that may arise from the same:

  1. Lack of availability, continuity, access, maintenance and effective functioning of the Portal and/or of its services and accuracy, completeness, relevance, validity and reliability of its content, irrespective of the cause and the technical or other difficulties or issues that lead to these events.
  2. The transmission and/or existence of viruses, other items or Programmes harmful to users' equipment that could affect them as a result of visiting, using or examining the site or cause changes to their digital documents or files.
  3. Illicit, negligent or fraudulent use, assuming the identity of a third party or anything which is contrary to the content of this legal notice, to good faith, to generally accepted use or to public order, in relation to the Portal, its services and content, by its users.
  4. Except for the signs that form part of the hyperlink itself, the website that contains this hyperlink will not contain any trademark, brand name, trade name, denomination, logo, slogan or other distinctive sign belonging to Banco Santander, S.A.
  5. Violations or breaches of the laws, uses or customs in force in relation to intellectual property, industrial property, trade or contractual secrets, right to privacy, honour and protection of one's image, property, advertising or competition rights, among others, of third parties.
  6. Flaws or defects in the content and/or services provided on the Portal.
  7. The receipt, storage, collection, dissemination or transmission of Portal content by users.
  8. Knowledge of any information regarding the characteristics and circumstances of use of the Portal content and services that unauthorised third parties may possess or use.
  9. Breaches by third parties of their obligations or guarantees arising from or arranged in respect of the services provided for users through the Portal or a lack of quality, reliability, fitness for purpose, lawfulness, utility and availability of the services provided by third parties and made available to users of these sites.

The preceding list is for information purposes only, and none of its points are under any circumstances exclusive or excluding. In all cases, BANCO SANTANDER, S.A. WILL BE HELD HARMLESS FOR ANY DAMAGE OR LOSS OF ANY KIND DERIVED DIRECTLY OR INDIRECTLY FROM THE SAME OR FROM ANY OTHER EVENT OR CONTENT OF SIMILAR CHARACTERISTICS NOT SPECIFIED.

7. Links

The Portal content may include links to sites belonging to and/or managed by third parties to provide easy access to information and services available online.

Banco Santander, S.A. accepts no liability derived from the existence of links between the Portal content and content located outside the same or any other reference to content external to this website. Such links and references are for information purposes only and, in no case, imply any support, approval, marketing or relationship between Banco Santander, S.A. and the people or entities that create and/or manage this content or the owners of the sites where it is found. Banco Santander, S.A. does not guarantee that the linked content or sites will work properly.

Users should, therefore, exercise the utmost care and caution when visiting or using the content or services of any site they may access by clicking on any such link.

8. Intellectual and Industrial property rights.

The intellectual property rights and rights to operate and reproduce this Portal, its pages, screens, the information they contain, its appearance and design, and any links (hyperlinks) from the portal to other websites belonging to any company in the Santander Group are the exclusive property of the Group, unless specifically indicated otherwise.

All names, designs and/or logos making up this page are duly registered trademarks. Proceedings may be instigated in accordance with prevailing laws against any unauthorised use of the same by parties other than the legitimate owner. Rights concerning the intellectual property and trademarks of third parties are stated where appropriate and must be adhered to by any party accessing the Portal. The reproduction, transmission, modification or erasure of the information, content or warnings on this Portal without prior written consent from Banco Santander, S.A. is prohibited.

The copy, designs, images, databases, logos, structure, brands and other items on the Portal are protected by international laws and treaties on intellectual and industrial property. It is strictly prohibited to reproduce, transmit, adapt, translate, modify, publicly communicate or in any other way use all or part of the content of this website in any way and by any means, mechanical or otherwise, unless given prior written authorisation by Banco Santander, S.A. Any breach of these rights may give rise to civil or criminal, judicial or extrajudicial, proceedings as applicable.

Banco Santander, S.A. does not scholarship any licence or authorisation, of any kind, to use its intellectual and industrial property rights or any other property or right related to the Portal or the services or content on the same.

Third parties are exclusively responsible and liable for the legitimacy of the intellectual or industrial property rights relating to any content they may add or provide.

For the purpose of preserving possible intellectual property rights, in the event that any user or third party deems that their legitimate rights have been violated by the inclusion of certain content on the Portal, they must notify Banco Santander, S.A. in writing of the circumstance where their rights have been violated, indicating:

  • Personal data identifying the data subject whose rights have allegedly been breached. If the claim is submitted by a third party other than the interested party, they must explain the nature of their powers of representation.
  • Details of the content protected by intellectual property rights and its location on the Portal.
  • Proof of the existence, ownership and validity of the intellectual property rights concerned.
  • Express declaration in which the data subject accepts responsibility for the truthfulness of the details and information provided in the notice discussed in this section.

9. Applicable legislation.

This Legal Notice will be governed by the laws of Spain.

© Banco Santander, S.A. All rights reserved.