Legal notice

1. Identification of the website owner

In accordance with the provisions of the Information Society Services Act, the Instituto de Crédito Oficial (hereinafter ICO) owner of the website www.ico.es hereby informs you that its full corporate name is Instituto de Crédito Oficial and its registered office is on Paseo del Prado 4, 28014 Madrid, with CIF Q-2876002-C.

To contact us, please send an e-mail to comunicacion@ico.es or call the phone numbers listed in the “Contacts” section of this website.

2. Website general terms and conditions of use

2.1. By accessing and using the website www.ico.es, along with all its subdomains and directories (hereinafter collectively referred to as the website), you agree to the terms and conditions outlined in this Legal Notice.

2.2. The purpose of the website is to provide customers and/or visitors with information on its corporate activities and the services it offers.

With this website, the ICO aims to provide a useful service and welcomes suggestions from users. However, if you do not agree with any of the terms and conditions contained in this notice, you must stop using the ICO website. Accessing the site implies acceptance of these terms and conditions without reservations. Certain services provided on this site may have their own terms and conditions, as specified on a case-by-case basis, and using these services indicates your acceptance of those terms and conditions.

2.3. For the purposes of this legal notice, the term website is understood to mean the information displayed and/or transmitted (including, but not limited to, texts, comments, press releases, video, sounds, image clips, images, databases, multimedia products, photographs, artistic interpretations or performances, productions and, in general, any other creations or content expressed through any existing or future, tangible or intangible medium, whether or not protected by current laws related to intellectual, industrial or similar rights), which, owing to its selection or arrangement, constitutes an intellectual creation eligible for protection under Article 12 of the consolidated text of the Law on Intellectual Property.

2.4. Accessing, using or browsing this website or its contents implies your agreement to these terms and conditions of use. The ICO may modify these terms and conditions of use at any time. The ICO may modify this website and its content at any time without prior notice and will update it regularly.

2.5. Users expressly agree without reservation that they access and use this website and its contents at their own risk, in relation to the ICO and any third party.

2.6. Access to this website is free (with the exception of specific restricted areas) and free of charge. You can view and use it without the need for prior subscription, registration or contractual agreement.

2.7. The user undertakes to use the website diligently and correctly. The user also undertakes not to use it: (i) to perform activities contrary to the law, morals, accepted good conduct or established public order and (ii) for illicit, prohibited, or harmful purposes that infringe upon the rights and interests of third parties, indemnifying the ICO against liability for any consequences that may derive from such actions.

2.8. The ICO is not responsible for the opinions expressed by third parties through any tools available or that will be made available in the future on its website for this purpose, nor for the content of websites linked by these tools.

2.9. The ICO will ensure that the this website content features nothing pornographic, xenophobic, discriminatory, racist nor that promotes violence.

2.10. It is strictly forbidden for the user to modify this website in any way that may affect its content, including links, hyperlinks, or similar.

2.11. The user acknowledges that the ICO does not assign or transfer to them any rights over the site, its content, or the trademarks displayed on the site, including, but not limited to, any third-party properties. The ICO only authorises the user to access and use them in accordance with the terms specified in this legal notice. Specifically, the ICO authorises users to access and browse the website and to access the content it contains.

2.12. Users are not authorised to copy, distribute (including by e-mail and internet), transmit, communicate, modify, alter, transform, transfer or carry out any other activities that involve the commercial or illegal use of the website or the content or elements that comprise it, either partially or in full.

2.13. The information presented through this platform is intended for informational purposes only. The ICO reserves the right to remove or temporarily suspend its dissemination, in full or in part, and to alter the site's structure and content without prior notice. Additionally, the ICO may restrict or deny access to this information The objective is to maintain quality and up-to-date information, and prevent and reduce potential errors arising from technical malfunctions Nevertheless, the ICO cannot guarantee that this access will remain uninterrupted or unaffected by such malfunctions. The ICO reserves the right to make changes and updates to the information contained on this website, as well as its layout and presentation, at any time and without prior notice.

3. Links

3.1. This website may contain links to other portals or websites not managed by the ICO. The ICO states that it has no control over these portals or websites, nor is it responsible for their content. The links that this website may contain are provided for information purposes only, for the purpose of facilitating access to other content that is considered to be of interest.

3.2. The ICO assumes no direct or indirect responsibility for the legality, accuracy, usefulness, quality or reliability of content not directly managed or controlled by the ICO, even if it is accessible through their website.

4. Intellectual and industrial property

4.1. The ICO holds the Intellectual Property Rights for the website as regards the elements that make up the visual appearance, graphic layout and other sensory elements of the website's pages; the website navigation structure; the source codes of the web pages; photographs, recordings, computer programmes (hereinafter “software”), database, technology, know-how, brands, distinguishing signs and logos.

4.2. The content and materials reproduced on this website, which are owned by the ICO, are protected by intellectual property laws. Reproduction, either in full or in part, is strictly prohibited, except in cases and within the limits expressly authorised.
Thus, the use of all of the website's own content is subject to the following conditions: (i) Personal, non-commercial use of the ICO-owned content is authorised for information purposes only. Users must, in all cases, cite the author and source of the materials used for authorised personal and educational use, with explicit mention of the website URL address. Using this site and its contents, as permitted herein, is free of charge; (ii) Users are expressly granted the authority to view the information and elements it contains, and to download or reproduce them privately on their computer systems, unless expressly specified otherwise; (iii) Users who access this website are not permitted to transfer, distribute, or circulate by any means, in full or in part, elements owned by the ICO that are found on this website, nor send them via e-mail for purposes other than those explicitly authorised in this legal notice, nor modify or alter them in any way. (iv) The ICO will adopt the necessary material and legal measures to prevent the undesired inclusion on this website of elements introduced by third parties, which violate this legal notice and its authorised uses; (v) The ICO may deny access to this website to any user who introduces unauthorised, illegal, or potentially illegal content, and reserves the right to pursue the necessary legal action in such cases, including the prior or subsequent removal, moderation, and/or editing of the content. The ICO will cooperate with authorities to identify individuals who introduce or attempt to  introduce such content; (vi) The ICO is solely and exclusively responsible for the content originating from the ICO itself on this website and not in any way responsible for any content introduced by unauthorised third parties; (vii) the ICO reserves the exclusive right to utilise its intellectual property on this website in any form, including the rights of reproduction, distribution, public communication and transformation, without prejudice to the rights held by the authors of works reproduced on this website

4.3. Regarding third-party products and services, the ICO acknowledges the rights of the respective owners to their industrial and intellectual property. Their mere mention or appearance on the website does not imply any rights or liability whatsoever over the part of the site, nor does it constitute an endorsement, sponsorship or recommendation, unless expressly stated otherwise.

4.4. The user acknowledges and accepts that the rights of the website are protected by the applicable legislation on intellectual and industrial property, commercial and advertising image rights and other similar rights.

4.5. Unauthorised use of the information contained on this website, as well as any breach of the ICO’s intellectual or industrial property rights, will result in legally established liabilities.

4.6. The ICO has the exclusive right to exercise its rights in any manner, including but not limited to the rights of reproduction, distribution, public communication (in any form) and transformation of any content it owns.

5. Limitation of Liability

5.1. The ICO accepts no liability whatsoever for third-party links or/and links provided by third parties referred to on the website, nor for their content.

5.2. The user is solely responsible for access to this website and use of its information.

5.3. ICO bears no responsibility for any possible security errors that may occur or for any possible damage that may be caused to the user's computer system (hardware and software), files or documents stored therein, as a result of a virus on the user's computer used to connect to the website, a malfunction of the browser or the use of non-updated versions of the browser. The ICO cannot guarantee the absence of errors in accessing this website, nor in its content, nor that it is up-to-date, although it will do its best to prevent, correct or update them, where appropriate.

5.4. The ICO bears no responsibility for any damages or losses of any kind incurred by the user or a third party as a result of: (i) the lack of availability, maintenance or effective functioning of the website or its content; (ii) the lack of usefulness, accuracy, appropriateness or validity of the website and its content in meeting the user's needs or expectations; (iii) a third party using the website and its content to spread viruses or gaining access for unauthorised data processing in violation of established security measures.; (iv) or, in general, the user or third party using the website or its contents in violation of the terms and conditions of access and use outlined herein.

6. Protection of personal data

The personal data associated with this website are protected in accordance with current legislation.

The ICO will process the personal data collected through this website in compliance with current data protection legislation.  We ask that you read our Data Protection Policy carefully.

7. Applicable law and jurisdiction

These general terms and conditions are governed by Spanish law.
To address any disputes or issues concerning this website or the activities carried out on it, the ICO and the user, expressly waiving any alternative jurisdiction, acknowledge that these terms and conditions shall be governed by Spanish law and that jurisdiction over any disputes or legal proceedings that may arise shall be held by the Courts of Madrid (Spain).
 

1. Definition

A cookie is a file that is downloaded to your computer when you access certain web pages. Cookies allow a website, among other things, to store and recover information about the browsing habits of a user or their device and, depending on the information they contain and the way they use their device, they can be used to identify the user.  

Depending on who serves them, cookies can be divided into proprietary cookies, served by this website, and third-party cookies, served by other websites or services.

2. Types of cookies

Classification according to the purpose for which the data obtained through them are processed:

Technical cookies: these allow the user to browse a website, platform or application and use the different options or services that exist on it, such as controlling traffic and data communication, identifying the session, logging into areas with restricted access, remembering the elements that make up an order, completing an order purchase, performing the request for registration or participation in an event, using security elements during browsing, storing content for broadcasting videos or sound or sharing content through social networks.  

Personalisation cookies: these allow the user to access the service with certain general characteristics predefined according to a series of criteria in the user's terminal, such as the language, the type of browser used to access the service, the regional configuration from which the service is accessed, etc. 

Analytics cookies: these allow the party responsible for them to monitor and analyse the behaviour of the users of the websites to which they are linked. The information gathered via these cookies is utilized to assess the activity on websites, applications or platforms. It is also used to create user browsing profiles for these sites, applications, and platforms, with the aim of introducing improvements based on the analysis of usage data for users of the service. 

Advertising cookies: these allow the management of advertising spaces on websites, applications, or platforms to ensure the most efficient delivery of the requested service. These cookies consider factors such as content relevance and ad frequency.

Behavioural advertising cookies: these allow the management of advertising spaces on websites, applications, or platforms to ensure the most efficient delivery of the requested service. These cookies collect data on user behaviour by continuously monitoring their browsing habits, enabling the creation of specific profiles for delivering targeted advertisements.

Type of cookie according to time period:

Session cookies: session cookies last for as long as the user browses the website and are deleted at the end of the session.

Persistent cookies: these cookies remain stored on the user's terminal for an extended duration, simplifying the management of selected preferences without having to re-enter certain information every time they visit the website. 

3. Third-party cookies

Some of our cookies are used to generate advertising on third party networks or to perform analytics for which we use tools external to the ICO. The cookies are used exclusively by the ICO only and under no circumstances shall the ICO market them.

   
4. How to disable cookies

As an additional guarantee of that stated above, the registration of our cookies may depend on the user accepting the cookies when installing or updating their browser, and this acceptance can be revoked at any time through the content and privacy settings.
Typically, you can choose to disable browser cookies altogether or reject cookies from a specific service. All modern browsers allow you to change your cookie settings. These settings are normally found in the “options” or “preferences” menu of your browser.

Internet Explorer: Delete and manage cookies

Firefox: Clear cookies

Chrome: Clear, allow and manage cookies in Chrome

Safari: Apple's Use of Cookies

These browsers are subject to updates or modifications, and as a result, it cannot be ensured that these instructions will remain adapted to your current browser version. You might also be using a different browser not listed in these links, such as Konqueror, Arora, Flock, etc. The cookie settings for all browsers are typically found in the “privacy” section within the “options” menu. (see your browser's help section for more information)

5. Cookie retention period

Cookies will be retained for the duration of the active session