Legal Notice

GENERAL CONDITIONS OF USE

Official website of BANCO SANTANDER, S.A. (hereinafter the Santander Group), an entity registered with the Bank of Spain under registration number 0049, with registered office in Santander, Paseo de Pereda, 9-12 and tax ID / CIF A-39000013.

All the products and services provided by Banco Santander, S.A. are subject to current legislation and are under the supervision, where appropriate, of the Bank of Spain, the National Securities Market Commission, the Directorate-General for Insurance and Pension Funds and other regulatory bodies.

Please read the following general conditions carefully. By visiting this address and any of its pages (hereinafter referred to as "the Website") you will be considered to be a user and will be deemed to have accepted these General Conditions. Access to some of the pages of this website may be limited by the laws and provisions of the various jurisdictions of the countries.
The information contained in this website, including that relating to certain products and services, is essentially intended for use by individuals, companies, firms, trusts, natural or legal persons or any other organisation (hereinafter "Persons") resident in Spain or accessing it from Spain. The Santander Group therefore disclaims all liability for access by Persons in jurisdictions where such distribution or use could be contrary to the rules or regulations. Certain products and services may not be available or authorised in all jurisdictions or for all Persons.

THE SANTANDER GROUP'S LIABILITY AND GUARANTEE

CONTENTS

The Santander Group has obtained the information and materials included in the website from sources considered to be reliable and although reasonable steps have been taken to ensure that the information contained is correct, the Santander Group does not guarantee that it is accurate, complete or up to date and, as a consequence, it should not be relied upon as if it were. The Santander Group expressly disclaims any liability for error or omission in the Information contained in the pages of this website.

The Santander Group reserves the right to modify, suspend, cancel or restrict the content of the website, the links or the information obtained from it, without any prior notice.

Under no circumstances will the Santander Group, its branches, and/or its administrators, employees or authorised personnel be liable for any type of damage, loss, claim or expense of any kind, whether or not arising from the use of the Website, the information acquired or accessed by or through it, computer viruses, operational faults or interruptions in the service or transmission, or faults on the line. Use of the Website, whether by direct connection or by link or otherwise, constitutes a notification to any user that these possibilities may occur.

It is prohibited to transmit or send through the Website any illegal or illicit content, computer viruses, or messages that, in general, affect or violate the rights of the Santander Group or third parties.

The Santander Group is not responsible for websites that are not its own, which can be accessed through links, or for any content made available by third parties. Any use of a link or access to a website not owned by the Santander Group is undertaken at the user's own discretion and risk. The Santander Group does not recommend or guarantee any information obtained by or through a link, nor is it responsible for any loss, claim or damage derived from the use or misuse of a link, or the information obtained through it, including other links or websites, interruption of service or access, or the attempt to use or misuse a link, both when visiting the Website, as well as when accessing information on other websites from the Website.

This Website sometimes uses its own and third party cookies to improve our services by analysing your browsing habits.

Cookies are files that are stored in the computer of a user who browses the Internet and which, specifically, contain a number that allows the user's computer to be uniquely identified, even if the user changes their location or IP address.
The website is accessible without the need for cookies to be activated, although their deactivation may impair its correct functioning.

The website is accessible without the need for cookies to be activated, although their deactivation may impair its correct functioning.

If you browse the website, we assume that you agree to its use and we recommend that you read our Cookies policy carefully in order to have detailed information about the cookies used by this website, the purposes of their use, as well as how to oppose or revoke your consent to their use.

FINANCIAL AND STOCK MARKET INFORMATION

This Website does not provide any kind of investment recommendation or any legal, tax or other advice, and nothing contained herein should be relied upon for investment or decision making purposes. Similarly, the information contained on this website is published for general use and does not take into account specific investment objectives, financial situation or the particular needs of any Person. Before deciding on any investment, you should obtain appropriate and specific professional advice. The value of investments can rise or fall, a circumstance that the investor must accept even at the risk of not recovering the amount invested, in part or in full. Similarly, the publication of past performance does not constitute a promise or guarantee of future performance.

The contents of this website are for informational purposes only and under no circumstances should they be used or considered as an offer to sell, a request for an offer to buy or a recommendation to carry out any other transaction, unless expressly stated. Any decision to purchase by the recipient must be taken on the basis of the public information available about the security and, where appropriate, on the basis of the contents of the prospectus registered with the CNMV (http://www.cnmv.es), available both from that organisation and from the appropriate Market Governing Body, as well as through the issuing company.

RESTRICTIONS IN THE UNITED KINGDOM: Persons outside the United Kingdom who make their investments through a Santander Group company that is not resident in the United Kingdom are not covered by the laws and regulations for the protection of investors in the United Kingdom. These include rights to certain remedies, rights of cancellation, access to complaints and arbitration bodies, among others.
The publications and reports contained on this Website that, where appropriate, have been issued in the United Kingdom, must have the prior approval of the Banco Santander, SA branch in London, an organisation that is regulated and under the supervision of the "Financial Services Authority".
RESTRICTIONS FOR UNITED STATES CITIZENS (including any citizen or resident of the United States or any legal entity established in or under the laws of the United States, or any political subdivision of that country): If you are a United States citizen or if you are accessing the Website from the United States of America (including its territories, possessions and the District of Columbia), we hereby inform you that the Santander Group, by means of this page, offers the possibility of trading and providing information on securities that are not registered under the 1933 U.S. Securities Act and its corresponding reforms. In accordance with the above-mentioned standard, such securities must not be bought, transferred, delivered or sold (directly or indirectly) in the United States of America, except when the securities laws and regulations of that country allow it, either through their registration or exemption.
Under no circumstances shall the Santander Group be liable for any loss, damage, penalty or any other claim that may arise, directly or indirectly, from the use of this website or its content by United States investors.
THIRD PARTY REUTERS INFORMATION: The Santander Group may include third party reports on the Website, or have relationships with issuing companies, trade in securities or other investments, hold positions in such companies, act as a market maker, or support the business of the companies mentioned in a publication or analysis report. The Santander Group accepts no responsibility for any loss, direct or consequential, resulting from the use of such publications or analysis reports. Similarly, this information may not be reproduced, distributed, or published by any recipient, whatever the purpose.
Reuters information is the intellectual property of Reuters. Any form of copying, publishing or distributing of the Reuters content, without the prior consent of Reuters, including caching techniques, framing or similar means is expressly prohibited. Reuters is exempt from all liability in connection with any errors or delays in the information or with any action taken based on such errors or delays. Reuters and the Reuters’ Logo are registered trademarks of the worldwide Reuters group of companies. For more information, visit the Reuters website (http://www.reuters.com).

INDUSTRIAL AND INTELLECTUAL PROPERTY

This website is the property of BANCO SANTANDER, SA The intellectual and industrial property rights and the rights to use and reproduce this website, its pages, screens, the information they contain, their appearance, structure and design, source code, audio files and software, as well as the hyperlinks established from this website to other websites of any company belonging to the Santander Group, are owned by, have been assigned to or are the subject of a licence in the name of the Bank or the companies of the Santander Group, unless otherwise specified. All the names, designs and/or logos that make up this page are duly registered trademarks. Any improper use of them by a person other than their legitimate owner may be liable to prosecution in accordance with the legislation in force. The intellectual property rights and trademarks of third parties are appropriately marked and must be respected by all who visit the Website. Downloading of the contents or copying or printing of any page of this Website is only permitted for personal and private use. The reproduction, public communication, distribution, assignment or transmission, modification or deletion of the information, content or notices on this website is prohibited without the prior written authorisation of Banco Santander, S.A.

APPLICABLE LEGISLATION

These general conditions shall be governed by Spanish law.

DATA PROTECTION INFORMATION

Who is responsible for the processing of your data? Banco Santander, S.A. (hereinafter “the Bank” or “Banco Santander”).
Postal address: C/ Juan Ignacio Luca de Tena, 11, 28027 Madrid.
Data Protection Officer / Privacy Office Contact: privacidad@gruposantander.es

Why and for what purpose do we process your personal data? The following are the various purposes for which Banco Santander processes them:

Processing carried out for the contract. They are necessary for signing the contract or for the provision of the service that you request from us.

We will process your data to inform you about the Bank's products and services, for the purpose of acquiring them, as well as to maintain and fulfil the contract, evaluating for this purpose, when necessary, your solvency and credit risk.

If you have used a digitalised handwritten signature in your interaction with the bank to request services and/or formalise transactions, we hereby inform you that we will store your biometric data obtained through the digitalisation of your handwritten signature (such as the stroke, intensity, speed, pressure and acceleration of the graph) and it will be processed exclusively as proof in the event of any repudiation in order to verify by comparison that the signature is yours and therefore perform customer authentication. Under no circumstance will we process your biometric data as a means of identification.

In order to fulfil the contract, we may resort to external sources of information, such as official journals and newsletters, public records, government rulings, telephone directories, lists of persons belonging to professional associations, official lists for the prevention of fraud, social networks and the Internet.

Processing carried out with your consent. Provided that you have given your consent by ticking the box on the form that we make available to you.

Carrying out commercial activities:

1.1. We will process your data in order to carry out commercial activities, as well as to draw up a commercial profile from your data, to offer you financial products and/or services different from those you may have taken out with the Bank, to congratulate you on special dates, to include you in loyalty programmes and to participate in draws organised by the Bank. These marketing activities may be carried out by any means, including electronically (e-mail, fax, SMS, social networks, mobile applications, etc.). This authorisation will continue even after your relationship with the Bank has ended.

1.2. We will process your data in order to carry out commercial activities, both general and adapted to your marketing profile, to offer you products and/or services from Santander Group companies, partner and/or investee companies (for example, insurance companies and financial asset managers). These sales actions may be made by any means, including electronically (email, fax, SMS, social networks, mobile applications, etc.). This authorisation will continue even after your relationship with the Bank has ended. The partner and/or investee companies on whose products the commercial activities may be based belong to the following sectors: insurance, mass consumption, training, education and culture, home, health and beauty, hotel and travel, IT, telecommunications and technology, automotive, advisory services, real estate and construction, leisure and free time, security, textiles and fashion, restaurants, food-fishing and livestock, agri-food, sports, energy, repair and maintenance, transport, logistics, administration, advisory and consultancy, machinery and office materials, retail, industry, health and welfare services.
We will disclose your data to companies of the Santander Group, as well as to companies that work with and/or are part owned by the Santander Group (such as insurance companies and financial asset managers), in order for them to carry out marketing activities, both general and adapted to your marketing profile, concerning their products and services or those of the Bank. These sales actions may be made by any means, both on paper and electronically (email, fax, SMS, social networks, mobile applications, etc.). You can access the full list of companies to whom we will disclose your data by requesting it from your Branch office or via the following link: https://bsan.es/sociedades_banco_santander
We will refer to your data with companies that provide information on solvency, arrears and risk indicators in general, when we offer you personal finance.

In the event that you do not authorise the processing of your data for the above purposes, this will not affect the maintenance or fulfilment of your contractual relationship with the Bank.

Processing carried out for legitimate reasons

We will process your data in order to carry out commercial activities, both general and those adapted to your marketing profile, in order to offer you products or services from the Bank similar to those you have already subscribed to. The marketing activities may be made by any means, including electronically (email, fax, SMS, social networks, mobile applications, etc.).
We will process your data to make observations and to recommend Bank products and services. Specifically, we will process the transactional activity of the products and/or services you have arranged with the Bank, as well as the data on your savings and debt capacity. We will refer to the information we have for managing the services we provide you with or the products you have or have had in the last year.

For these purposes, we can only refer to information from companies that provide information on solvency, arrears and risk indicators in general, if you give us your consent via the corresponding box on the questionnaire.

With these two (2) above-mentioned processing procedures, the Bank pursues its legitimate interest in offering you the products and services that best suit your personal characteristics, as well as better conditions for products or services that you already have or may acquire in the future.
We will process and/or disclose your data to third parties, whether or not they are companies of the Santander Group, in order to prevent, investigate and/or uncover fraud. The Bank's legitimate interest is to know and identify the participants in fraudulent activities in order to carry out the necessary actions.
We will record your voice and / or your image and we will keep the telephone and / or video conversation, when we expressly tell you so. The Bank's legitimate interests are to maintain the quality of the service and to use the recordings as evidence in and out of court, when necessary.
We will carry out anonymisation measures, after which the Bank will no longer be able to identify you. The purpose of these procedures is none other than to use anonymous information for statistical purposes and for the development of behavioural models.
We will disclose your data to other companies belonging to the Santander Group and third party investees and/or companies working with the Santander Group (such as insurance companies and financial asset managers), in the event that you, as a customer of the Bank, acquire any of the products and/or services from these organisations that are marketed by the Bank. In this case, the disclosure will only affect a limited number of merely identifying data that the Bank holds concerning you, specifically, those strictly necessary for the conclusion of the contract. The aim is to simplify and speed up the arrangement via the Bank of the products it markets from other Group companies or third parties, given your status as a customer of the Bank. You can access the full list of companies to whom we will disclose your data by requesting it from your Branch office or via the following link: https://bsan.es/sociedades_banco_santander
In the event of non-payment on your part, this may be reported to creditworthiness companies, such as Experian and/or Asnef, in compliance with the procedures and guarantees established at all times and recognised by current legislation. The Bank's legitimate interest is to comply with a suitable control and prevention of default situations, working to safeguard the financial system and the economy in general, while allowing access to solvency information to third parties which require an analysis of the solvency of applicants for risk transactions.

You may submit an objection to any of the above processing procedures on the basis of legitimate interest and, where appropriate, exercise your right not to be the subject of a decision based solely on automatic processing. To do so, you must contact the Data Protection Officer/Privacy Office and explain the reason for your objection.

Treatments carried out to comply with a legal obligation

We will process your data to comply with any applicable legal and tax obligations, such as the prevention of money laundering and financing of terrorism.
We will also record any telephone conversation that ends or may end with the closing of an investment services operation, in order to comply with the legal obligation imposed by the MiFID (Markets in Financial Instruments Directive). Where necessary, these processing activities will exist even after the end of the contractual relationship.
Furthermore, we hereby inform you that the Bank has video surveillance systems installed for security and access control reasons and in compliance with public safety, private security and other regulations that may apply to financial institutions, and that your personal image may be captured if you visit branches, ATMs, headquarters and other Bank buildings where such systems are installed. Whenever your image can be captured through video surveillance systems, the Bank will inform you by displaying plaques or signs.

What types of participation are covered by this document?This document is applied according to the categories of interested parties: contract holder, surety providers/guarantors, authorised parties and/or representatives.

The legal basis on which the processing is carried out by each type of participant is the following:

			INTERVENING PARTIES
		Account holder	Guarantor / Surety provider	Authorised party	Representative
	Contract	YES	YES	YES	YES
LEGAL BASIS	Consent	As per authorisation	As per authorisation	As per authorisation	As per authorisation
	Legitimate interest	YES Except commercial activities	YES Except commercial activities	YES Except commercial activities	YES Except commercial activities
	Legal	YES	YES	YES Except risk assessment	YES Except risk assessment

How do we obtain your data?The Bank obtains your data from the following sources:

The information that you provide to us when you subscribe to and maintain products and/or services with us, both directly and indirectly. Some examples are: through inquiries, transactions, operations or contract requests.
External information sources, such as official journals and gazettes, public registers, government rulings, telephone directories, lists of persons belonging to professional associations, official lists for the prevention of fraud, social networks and the Internet, as well as third party companies to which you have given your consent for the transfer of your data to credit, financial and insurance institutions.
In particular, the data that we will process includes the following categories: data of an identifying nature, data referring to personal characteristics and social circumstances, academic and professional data, marketing information.
Companies that provide information on solvency, arrears and, in general, financial or credit risk indicators.
More precisely, the data that we will process includes the following categories: Identification data, economic, financial and solvency data; and data regarding transactions for goods and services.

How long will we keep your data for? We will process your personal data as long as it is necessary for the purpose for which it was collected. If you cancel all contracts, you can:

Continue to consent to commercial activities: we will process your data for the commercial activities to which you have consented. We will assume that you have chosen this option if you do not expressly revoke your consent.
Revoke your consent to carry out commercial activities: we will cancel your data by blocking them.
As a result of this blocking, the Bank will not have access to your data and will only process it to make it available to the competent Public Authorities, Judges and Courts or the Public Prosecutor's Office, for the purpose of dealing with any possible liabilities related to the processing of the data, in particular for the exercise and defence of claims before the Spanish Data Protection Agency. We will keep your data blocked for the periods provided for in the applicable regulations or, where appropriate, in the contractual relationship with the Bank, and will physically delete your data after these periods have elapsed.

Who will receive your data? We disclose your personal data to:

Santander Group companies for these purposes:

To carry out marketing activities for its products and services or those of the Bank, both general and tailored to your marketing profile.
To acquire products or services from these organisations.
To comply with legal obligations.

You can access the full list of companies to whom we will disclose your data by requesting it from your Branch office or via the following link: https://bsan.es/sociedades_banco_santander

Public bodies, the Tax Office, Judges and Courts and, in general, any appropriate authorities, when the Bank is legally obliged to provide them.
Partners and/or investees from the Santander Group (e.g. insurance companies and financial asset managers), for the following purposes:

To carry out marketing activities for its products and services or those of the Bank, both general and tailored to your marketing profile.
To acquire products and/or services from these organisations.

You can access the full list of companies to whom we will disclose your data by requesting it from your Branch office or via the following link: https://bsan.es/sociedades_banco_santander

In the event of non-payment on your part, this may be reported to creditworthiness companies, such as Experian and/or Asnef, in compliance with the procedures and guarantees established at all times and recognised by current legislation.
In addition to the above-mentioned disclosures of data, the Bank works with a number of third party service providers who have access to your personal data and who process such data on behalf of and for the Bank as a result of their service provision.

The Bank follows strict criteria in the selection of service providers in order to comply with its data protection obligations and undertakes to enter into a data processing contract with them, imposing, inter alia, the following obligations: to implement appropriate technical and organisational measures; to process personal data only for the agreed purposes and in accordance with the Bank's documented instructions; and to delete or return data to the Bank once the services have been provided.

Specifically, the Bank will arrange for the provision of services by third party providers who carry out their activity in, by way of example but not limited to, the following sectors: logistics services, legal advice, private valuation services, supplier approval, multidisciplinary professional services companies, maintenance-related companies, technology service companies, IT service companies, physical security companies, instant messaging service providers, infrastructure management and maintenance companies and call centre service companies.

Among those responsible for the processing is the company, Salesforce Inc., based in the United States, a country that does not belong to the European Economic Area. Banco Santander has signed Standard Contract Clauses with this company.

What are your rights when you provide us with your data? You can exercise your rights of access, portability, rectification, deletion, limitation, opposition, and to not be subjected to a decision based solely on automated processing. Also, you may revoke the consent you have given at any given time.
To exercise the above-mentioned rights, you must send an email to privacidad@gruposantander.es or by post to C/ Juan Ignacio Luca de Tena, 11, 28027 Madrid (Santander Spain Privacy Office), providing in all cases a copy of your DNI or an official document that identifies you.

To whom can you submit your claims related to data protection? You can contact the Data Protection Officer/Privacy Office of the Bank at any time.

You may also lodge a complaint with the Spanish Data Protection Agency if you disagree with the response you have received from the Bank. The necessary information is available on its website: www.aepd.es

INFORMATION ON DATA PROTECTION FOR HEIRS AND BENEFICIARIES

Step 1. APPLICATION FOR CERTIFICATE OF POSITIONS OWNED BY A DECEASED

You can click on this link to find all additional information on data protection, including how to exercise your rights: https://www.bancosantander.es/en/aviso-legal/proteccion-datos-herederos-beneficiarios.

Step 2. PROCESSING OF THE TESTAMENTARY

You can click on this link to find all additional information on data protection, including how to exercise your rights: https://www.bancosantander.es/en/aviso-legal/protecccion-datos-testamenterias.

Shall we discuss it?

If you would like more information, visit any of our branch offices.

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