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BBVA API_MarketLegal Notice

Legal Notice

Pursuant to the provisions of Article 10 of Act 34/2002, dated July 11, governing information society services and e-commerce (“LSSI”), “BANCO BILBAO VIZCAYA ARGENTARIA, S.A.” (“BBVA”) makes the following general information available to Users of the website www.bbvaapimarket.com (the “Website“).

Name or trading name: Banco Bilbao Vizcaya Argentaria, S.A.

Tax ID number: C.I.F. number  A-48265169.

Registered address: Plaza San Nicolás 4, 48005 Bilbao.

Company Registry data: Company Registry of Vizcaya, Volume 2.083, Folio 1, Sheet BI-17-A, first Entry.  

Contact Email: contact.bbvaapimarket@bbva.com. The use of this email is limited to subjects related to the API Market website and it does not grant, either explicitly or implicitly, any consent to reception of any commercial communications or messages unrelated to the API Market website.

The Users of the Website shall comply at all times with the following terms and conditions of use (“Terms of Use“),

TERMS OF USE OF THE WEBSITE

Acceptance of the Terms of Use

These Terms of Use govern the use of the Web Site that BBVA offers to the Users.The Terms of Use together with the Legal Notice, the Personal Data and Cookie Policy together constitute the terms and conditions governing access to and use of the public part of the Web Site (“Terms and Conditions of the Website“).

By accessing and using the Website, the User fully accepts and agrees to comply with the Terms and Conditions of the Website. Therefore, the user must carefully read these Terms of Use and any other Terms and Conditions of the Website in each of the occasions on which he intends to access and use the Website, as they may undergo modifications that would be communicated to the User with the new access. BBVA reserves the right to update, modify or eliminate these Terms and Conditions of the Website.

Terms of Use of the Website

The User shall make lawful use of the website in accordance with current law, good faith and public order. Similarly, the User agrees not to use the Website for fraudulent purposes, and not to carry out any activity that may damage the image, interests and rights of BBVA or any third parties. The User undertakes not to perform any act that may damage, disable or overload the Website or in any way, impede its normal use and operation.

We inform the User that, in the event of a breach the content or the obligations derived of the Terms and Conditions of the Website or any other specific terms or conditions contained in the Website, BBVA reserves the right to limit, suspend or terminate your access to the Website, adopting any technical measure necessary for that purpose. BBVA also reserves the right to take such measures in the event that it reasonably suspects that the User is violating any of the terms contained in the Terms and Conditions of the Website or any other specific terms or conditions contained on the Website.

BBVA may at its own discretion update, modify or delete information contained on the Website, including its content and/or services, also may limit or deny access to such information at any time without prior notice. BBVA reserves the right to eliminate, limit or prevent access to the Website when technical difficulties or circumstances arise from technical difficulties beyond the control of BBVA, at its discretion, reduce or remove the standard levels of security adopted for the proper operation of said website. In this respect, BBVA reserves the right to decide on the continuation of the information and services provided through the Website.

Content of the Website

The intellectual property rights on the Web Site, including the arrangement of its content, the unique rights to the underlying databases, the graphic design and user interface of the Web site (look & feel), computer programs (including source and object codes), and the different elements that form the web site (text, graphics, photographs, videos, sound recordings, etc.) (“Content“) are owned by BBVA or its licensors. The distinctive signs included on the Website (trademarks and trade names) are also owned by BBVA or its licensors.

The access or use of the Website does not does not grant users any right or ownership whatsoever over the rights of intellectual and/or other property protecting the content provided by this website, or the BBVA logos and trademarks. To this end, in accordance with these Terms and Conditions of Use, except when legally permitted or with the prior authorization of BBVA, the User is expressly prohibited from any reproduction, processing, distribution, public communication, making available, extraction and/or reuse of the website, its contents and /or logos and trademarks of BBVA or any other third parties included the Website. BBVA reserves the right to take legal action as appropriate against those users who are in breach of or infringe the intellectual and/or other property rights of BBVA.

BBVA grants the users who comply with these Terms and Conditions of the Website a non-exclusive license to use the Website, for the maximum period of validity of the intellectual and other property as defined by the applicable laws and regulations (except in the case your access to the website is suspended for cause) and for the only purpose of using the Website in accordance with this document.

BBVA declares that:

  • The information offered on the Website is for informational purposes and shall not be deemed in any case as recommendation, technical, financial, legal, tax, or investment advice, or an offer or a guarantee by BBVA, nor should it be understood as a recommendation to trade, or constitute the basis for any decision-making, BBVA declines any responsibility for the use of the information contained on the website that may be made in this regard, and specifically must be understood that such information, subject to the laws and regulations in force in Spain, is not intended for those users who act under other jurisdictions of other states that require compliance with different requirements for the provision, disclosure or advertising of such information.
  • The information provided by BBVA on the website does not constitute a technical opinion of BBVA.
  • BBVA is not responsible for the information contained therein that does not meet the expectations of the user. BBVA is not liable for the truthfulness, accuracy, adequacy, completeness or update of the information not created by them and another source otherwise specified. BBVA is not responsible for the opinions or comments appearing on the Website, which either reflect the personal views of the Users, or come from the specified sources.
  • BBVA reserves the right to update, modify or remove the information contained on the Website in the terms indicated in paragraph 2 above, and assumes no obligation to communicate any changes or modify the contents.

The user ACKNOWLEDGES AND ACCEPTS the previous statements of BBVA and additionally AGREES to comply with the law and regulations that may be applicable to him or her in the condition of a User of this Website.

Links Policy

Links to the Website


Establishing links to the Website is prohibited, unless it has been previously authorized by BBVA. In any case, once authorized by BBVA the link, shall be established as follows:

  • The link must not consist of frames which allow visualizing the Website through URLS other than the Website URL or in any other way show the information on the Website together with the information included on other websites.
  • The website that contains the link (the “Linking Site”) must not contain any type of false, inaccurate, or incorrect statements about the Website and/or BBVA.
  • In any case, the authorization granted by BBVA does not mean that: (i) BBVA sponsors, collaborates, verifies or monitors the content and/or services provided through the Linker Site; or (ii) BBVA is in any way responsible for the content of the Linker Site.

The Linker Site shall comply with the law and shall in no case host content of its own or third parties that: (i) are illegal, violate the rights of others, harmful, degrading, violent, inappropriate or otherwise contrary to morality, to the uses and good customs (pornographic, racist, etc.); (ii) implies or could imply to the User the false impression that BBVA endorses, supports, adheres or any way supports the ideas, statements or expressions, whether lawful or not; and (iii) are inappropriate or irrelevant to the activity of BBVA.

In the event of breach of the terms set out above, BBVA may adopt the appropriate and necessary measures.

Sites Linked

To help the user find additional information, we may include links that allow the user to access other websites (“Linked Sites“). In these cases, BBVA acts as an intermediary service provider, in accordance with Article 17 of the LSSI. According to that legislation, BBVA is not liable for the services and content provided through the Linked Sites, unless you have effective knowledge of the illegality and have not disabled the link with due diligence.

In any case the existence of Linked Sites does not mean that BBVA recommends, promotes, or agrees with the statements, content or services provided through the Linked Sites. Accordingly, BBVA is not responsible for the content of the Linked Sites or their condition of use and privacy policies; the User is solely responsible for checking and accepting each time he accesses and uses those sites.

In the event that the User believes that the Linked Sites host content that may be illegal, violate the rights of others, harmful, degrading, violent, inappropriate or otherwise contrary to morality, to the uses and good custom, he can notify BBVA through the following email address:
contact.bbvaapimarket@bbva.com. However, for the purposes of the applicable legislation, such communication in any case shall mean that BBVA acquires actual knowledge of the wrongfulness of the contents of the Linked Site.

Communication of unlawful or inappropriate activities

In the event that the User or any other Internet user becomes aware that any kind of information or content included on the Website or provided through it is unlawful, injures third parties rights, is harmful, degrading, violent, inappropriate, contrary the provisions in these Terms of Use or otherwise contrary to morals, customs and good manners, you can contact BBVA by indicating the following:

  • Your personal information: name, address, phone number and email address;
  • Description of the facts that reveal the illegal or inappropriate nature of the content or information, as well as the specific URL in which it is available;
  • In the event of infringement of third party rights, such as intellectual or other property, you shall identify the owner of the rights infringed when the informant is another person. It should also provide the title that certifies ownership of the infringed rights and, if applicable, the powers to act on behalf of the owner when it is a different person than the informant.

The receipt by BBVA of the communication foreseen in this clause shall not entail, in accordance with the LSSI, actual knowledge of the activities and/or contents indicated by the informant when this is not evident or obvious. In any case, BBVA reserves the right to suspend or remove any content that, while not illegal, maybe contrary to the rules set out in these Terms of Use, balancing in each case the legal interests in conflict.

BBVA’s Liability

Users shall know that communications through open networks are exposed to a number of threats that makes them unsafe. It is their responsibility to take all appropriate measures to reasonably control these threats, including having updated malware detection systems, such as viruses, Trojans, etc. software technical measures as well as having updated security patches of the Internet browsers. For more information, you can view BBVA’s Security Policy or contact your Internet service provider who will be able to provide you appropriate solutions for your needs. To the maximum extent permitted by applicable law, BBVA is not responsible for damages caused to the user as a result of the risks inherent in the means employed, or those caused by vulnerabilities in your systems and tools. BBVA does not guarantee total security of its systems and although it has taken appropriate security measures cannot completely exclude the existence of vulnerabilities and, consequently, the user must be cautious when interacting with the Website.

In particular in any case, BBVA is not responsible for:

  • Any damages of any kind to the Users computer caused by viruses, worms, trojans or any other harmful elements.
  • Any damages of any kind caused to the User resulting from failures or disconnections in telecommunications networks that produce the suspension, cancellation or interruption of the Website service during the provision thereof. In this regard, the User acknowledges that access to the Website requires reliance on services provided by third parties beyond control of BBVA (for example: telecommunications network operators, service providers, etc.) which reliability, quality, continuity and operation does not correspond to BBVA, nor is part of its responsibility to ensure the availability of the service.
  • The information of third parties in cases where BBVA acts as a provider of intermediation services in the sense given by the LSSI, except when actual knowledge exists and the corresponding information has not been removed from the Website.

BBVA will not be liable for any damages, direct or indirect, that users may suffer derived from the improper use of this Website or its contents, not assuming any obligation to notify changes or modify the contents thereof.

Privacy

All the aspects relating to the processing of personal information of users derived from the use of the Web Site are regulated in the Personal Data document.

Cookie Policy

Like other websites of commercial content, this website uses a technology called “cookies” to gather information on how to use the Website. In the Cookie Policy we offer the User detailed information on how BBVA is using cookies.

For more information see our Cookie Policy.

Miscellaneous

In accordance with Article 3 of the LSSI, the applicable laws to the services of the information that BBVA provides through the Website will be those of Spain. Therefore, in any dispute or conflict related to or arising from the Website between the User and BBVA, the Spanish law shall apply.

If any of the provisions contained in this Legal Notice and Conditions of Use is declared invalid, it will be removed or replaced. In any case, such invalidation shall not affect the validity of the remaining provisions contained in this Legal Notice and Conditions of Use.

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PROCESSING OF PERSONAL DATA

Who is the Data Controller of your personal data?

Banco Bilbao Vizcaya Argentaria, S.A. (“BBVA“) with registered address at Plaza de San Nicolás 4, 48005, Bilbao, España and Tax ID number A-48265169 .  Email address: contact.bbvaapimarket@bbva.com

What for and why does BBVA use your personal data for?

For those activities among the following for which you give your consent by checking the corresponding box:

  • to receive newsletter from BBVA API_Market through electronic means;
  • to send you commercial communications, events and surveys relating to BBVA API_Market to the e-mail address you have provided.

For how long we will keep your data?

We will keep your data until you unsubscribe from receiving our newsletter or, if applicable, the commercial communications, events and surveys to which you have subscribed. Whether you unsubscribe or whether BBVA decides to end the service, your details will be deleted.

How can I unsubscribe to stop receiving newsletters and/or communications from BBVA API_Market?

You can unsubscribe at any time and without need to indicate any justification, by sending an email to the following address: contact.bbvaapimarket@bbva.com

To whom will we communicate your data?

We will not transfer your personal data to third parties, unless it is mandatory by a law or if you have previously agreed to do so.

What are your rights when you provide us with your information?

  • You will be able to consult your personal data included in BBVA files (access right)
  • You can modify your personal data when they are inaccurate (correction right)
  • You may request that your personal data not be processed  (opposition right)
  • You may request your personal data be deleted (suppression right)
  • You can request a limitation on the processing of your data in the allowed cases (right of limitation of processing) 
  • You will be able to receive, in electronic format, the personal data you have provided to us, as well as to transmit them to another entity (portability right)

You can exercise before BBVA the aforementioned rights through the following address: contact.bbvaapimarket@bbva.com

You are responsible for the accuracy of the personal data you provide to BBVA and to keep them duly updated.

If you believe that we have not processed your personal data in accordance with regulations, you can contact the Data Protection Officer of BBVA at the following address dpogrupobbva@bbva.com.

You can find more information in the “Personal Data Protection Policy” document on this website.

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Cookie settings

Banco Bilbao Vizcaya Argentaria, S.A. owner of this portal uses cookies and/or similar technologies of its own and third parties for the purposes of personalization, analytics, behavioral advertising or advertising related to your preferences based on a profile prepared from your browsing habits (e.g. pages visited). If you wish to obtain more detailed information, consult our Cookies Policy.

Cookie settings panel

These are the advanced settings for first-party and third-party cookies. Here you can change the parameters that will affect your browsing experience on this website.

Technical Cookies (required)

These cookies are used to give you secure access to areas with personal information and to identify you when you log in.

Name Owner Duration Description
gobp.lang BBVA 1 month Language preference
aceptarCookies BBVA 1 year Configuration Accepted Cookies
_abck BBVA 1 year Helps protect against malicious website attacks
bm_sz BBVA 4 hours Helps protect against malicious website attacks
ADRUM_BTs Salesforce Marketing Cloud Session Required for monitoring of the service, inherent to SFMC
ADRUM_BT1 Salesforce Marketing Cloud Session Required for monitoring of the service, inherent to SFMC
ADRUM_BTa Salesforce Marketing Cloud Session Required for monitoring of the service, inherent to SFMC
ADRUM_BT Salesforce Marketing Cloud Session Required for monitoring of the service, inherent to SFMC
xt_0d95e Salesforce Marketing Cloud Session Remember user preferences (if any)
__s9744cdb192d044faa1bf201d29fafd1e Salesforce Marketing Cloud Session Remember user preferences (if any)
wpml_browser_redirect_test WPML Session Text translation in the portal
wp-wpml_current_language WPML 24 hours Text translation in the portal

They are used to track the activity or number of visits anonymously. Thanks to them we can constantly improve your browsing experience

Your browsing experience is constantly improving.
With your selection, we cannot offer you a continuously improved browsing experience.
Name Owner Duration Description
AMCV_*** Adobe Analytics Session Unique Visitor IDs used in Cloud Marketing solutions
AMCVS_*** Adobe Analytics 2 years Unique Visitor IDs used in Cloud Marketing solutions
demdex (safari) Adobe Analytics 180 days Create and store unique and persistent identifiers
sessionID Adobe Analytics Session Launch's internal cookie used to identify the user
gpv_URL Adobe Analytics Session Adobe Analytics plugin: getPreviousValue Capture the value of a certain variable in the following page view, in this case the prop1
gpv_level1 Adobe Analytics Session Cookie used to store the DataLayer levl1 of the previous page.
gpv_pageIntent Adobe Analytics Session Cookie used to store the pageIntent of the previous page.
gpv_pageName Adobe Analytics Session Cookie used to store the pagename of the previous page.
aocs Adobe Analytics Session Cookie that stores the first values collected at the beginning of a process.
TTC Adobe Analytics Session Cookie used to store the time between the App Page Visit event and the App Completed event.
TTCL Adobe Analytics Session Cookie used to store the time between the LogIn event and App Completed.
s_cc Adobe Analytics Session Determine if cookies are active
s_hc Adobe Analytics Session Cookie used by Adobe for analytical purposes
s_ht Adobe Analytics Session Cookie used by Adobe for analytical purposes
s_nr Adobe Analytics 2 years Determine the number of user visits
s_ppv Adobe Analytics Permanent Adobe Analytics plugin: getPercentPageViewed Determine what percentage of the page a user views
s_sq Adobe Analytics Session ClickMap/ActivityMap features
s_tp Adobe Analytics Session Cookie used by Adobe for analytical purposes
s_visit Adobe Analytics 2 years Cookie used by Adobe to know when a session has been started.

They allow the advertising shown to you to be customized and relevant to you. Thanks to these cookies, you will not see ads that you are not interested in.

The advertising is customized to you and your preferences.
Your choice means you will not see customized ads, only generic ones.
Name Owner Duration Description
OT2 VersaTag 90 days VersaTag Cookie used to store a user id and the number of user visits.
u2 VersaTag 90 days VersaTag Cookie where the user ID is stored
TargetingInfo 2 MediaMind 1 year Cookie that serves to assign a unique random number that generates MediaMind.

These cookies are related to general features such as the browser you use.

Your experience and content have been customized.
With your selection, we cannot offer you a continuously improved browsing experience.
Name Owner Duration Description
mbox Adobe Target 9 days Cookie used by Adobe Target to test user experience customization.
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