Privacy Policy

see the policy

1) We respect your privacy and your choices.

2) The privacy and security of your data is incorporated into our policy.

3) We do not send marketing messages unless requested. They can be requested at any time.

4) We never share or pass on your data without your explicit consent.

5) We are committed to transparency concerning the use of your data.

6) We do not use your data without informing you or requesting your consent.

7) We respect your rights as established by law and in accordance with our own legal and operational obligations.

For more information about our privacy policies, below we set out the types of personal data we may collect or hold concerning you, how we may use them, with whom we may share them, how we protect them, and how you can exercise your rights in relation to these data.

When you share your personal data with us or when we collect personal data concerning you, we use them in accordance with this Privacy Policy (hereinafter the “Policy”). If you have any questions or concerns about your personal data, please contact us at delegado.protecciondatos@ico.es

1. About us

The Instituto de Crédito Oficial (ICO), with registered office at Paseo del Prado, 4 28014 Madrid, Spain is responsible for the personal data you share with us. The ICO is therefore the data controller in accordance with the applicable data protection legislation.

2. Personal data

Personal Data refers to any information or data that can be used to identify you directly (for example, your name or surname) or indirectly (for example, your national identity card or D.N.I). Personal Data include information such as e-mail address / private postal addresses / mobile phone number, user names, profile pictures, personal preferences, user-generated content, financial information, among others. They may also include unique numerical identifiers, such as your computer’s IP address or your mobile device’s MAC address, as well as information we collect through cookies.

This Policy covers all Personal Data collected and used by the ICO.

3. Collection of personal data and purposes of processing

Please remember that before you start using any of our services or features, you should read this Policy, as well as the Terms and Conditions of Use for the specific section that applies to the service or feature in question. The section will state whether there are any particular conditions for its use, or whether any specific processing of your Personal Data is required. Failure to provide certain mandatory information may make it impossible for you to register as a user or access specific features and services available at www.ico.es.

What data can we collect from you?

We can collect or receive your data through our websites, forms, applications, devices and financial products, among others. In some cases, you provide us with your Personal Data directly (for example, when you contact us); in other cases, we collect them directly (for example, by using cookies to understand how you use our websites/apps) or sometimes indirectly when we receive your data from third parties, including other ICO Group entities.

What is the legal basis for processing your Personal Data?

Your consent;
Our legitimate interest, which may be:
- Generating statistics: to help us better understand your needs and expectations and therefore improve our services, websites/applications/devices, etc.
- Enabling the functioning of our website/applications through technical and functional cookies: to keep our tools (websites/applications/devices) safe and secure and to ensure their proper functioning and continuous improvement.
- Offering you our Information Service.
- Sending by electronic means, or any other equivalent means of communication, invitations to attend events or seminars organised by the ICO, or by third parties; in any case, attendance will be voluntary and may require the data subject to register.
- Submitting surveys on the quality of service. The ICO may send out surveys on the quality of the service provided, which the data subject is not obliged to complete.
In the case of a formalised agreement: to perform the services you request from us
Compliance with legal obligations involving the processing of personal data
When we collect your Personal Data, we mark the mandatory fields with asterisks. Some of the information we ask you for is necessary for:
- Fulfilling our commitment to you
- Providing you with the service you requested (for example, to send you a newsletter)

What are the ICO's different types of data processing?

DATA CONTROLLER. - Instituto de Crédito Oficial (ICO).
PURPOSE. - Transactions of an economic nature that are carried out directly between
ICO and the customer without intermediaries.
CATEGORIES OF STAKEHOLDERS. - Direct customers of ICO. For persons tendering for and signatories of ICO contracts.
COLLECTION PROCEDURE - Form completed by the data subject.
PROCESSING. - Mixed (automated and non-automated).
LEGAL BASIS FOR THE PROCESSING. - Contractual, as set out in art. 6 (b) of the GDPR.
DATA RETENTION PERIOD. - As long as is necessary for the purpose
for which they were collected.

DATA CONTROLLER. - Instituto de Crédito Oficial (ICO).
PURPOSE. - Control of financial institution end customers.
CATEGORIES OF STAKEHOLDERS. - Financial institutions with a collaboration agreement with ICO.
DATA COLLECTION PROCEDURE - Data from financial institutions, automatic uploading with data from other applications.
PROCESSING. - Mixed (automated and non-automated).
DATA ACCESS AND DISCLOSURE. - Financial institutions. Ministry of Economy, Trade and Business.
LEGAL BASIS FOR THE PROCESSING. - Contractual and regulatory, as set out in the GDPR, art. 6 (b) and (c).
DATA RETENTION PERIOD. - As long as is necessary for the purpose
for which they were collected.

DATA CONTROLLER. - Instituto de Crédito Oficial (ICO).
PURPOSE. - Control of customer transactions managed by BBVA or Santander on behalf of ICO.
CATEGORIES OF STAKEHOLDERS. -Financial Institutions BBVA and B. Santander. Direct customers of the ICOdirecto facility.
DATA COLLECTION PROCEDURE. - Data upload from BBVA and SANTANDER.
PROCESSING. - Mixed (automated and non-automated).
DATA ACCESS AND DISCLOSURE. - BBVA. SAN. Ministry of Economy Trade and Business.
LEGAL BASIS FOR THE PROCESSING. - Contractual and regulatory, as set out in the GDPR, art. 6 (b) and (c).
DATA RETENTION PERIOD. - As long as is necessary for the purpose for which they were collected.

DATA CONTROLLER. - Instituto de Crédito Oficial (ICO).
PURPOSE. - Mailing lists for sending e-mails through an external company and response to complaints, suggestions and requests for information.
CATEGORIES OF STAKEHOLDERS. - Individuals who regularly receive information about ICO.
DATA COLLECTION PROCEDURE. - PROCESSING public and data provided by the data subject.
PROCESSING. - Mixed (automated and non-automated).
DATA ACCESS AND MANAGEMENT. - "Call Centre, Customer Service (ANNEX VIII)
Version changes are highlighted in red.
LEGAL BASIS FOR THE PROCESSING. - The explicit consent of the data subject by way of a form or other means (telephone recording, etc.), in accordance with art. 6 (a) of the GDPR.
DATA RETENTION PERIOD. - As long as is necessary for the purpose
for which they were collected.

DATA CONTROLLER. - Instituto de Crédito Oficial (ICO).
PURPOSE. - List of potential suppliers of ICO.
DATA COLLECTION PROCEDURE. - Form completed by the data subject.
CATEGORIES OF STAKEHOLDERS. - ICO suppliers, who provide or supply ICO with what is necessary or convenient for the fulfilment of its purpose.
PROCESSING. - Mixed (automated and non-automated).
DATA ACCESS AND DISCLOSURE. - NOT APPLICABLE
LEGAL BASIS FOR THE PROCESSING. - Contractual, as set out in art. 6 (b) of the GDPR.
DATA RETENTION PERIOD. - As long as is necessary for the purpose for which they were collected.

DATA CONTROLLER. - Instituto de Crédito Oficial (ICO).
PURPOSE. - allocation and sale of assets for ICO, as a result of the enforcement of guarantees for outstanding claims.
CATEGORIES OF STAKEHOLDERS. - People interested in the assets.
DATA COLLECTION PROCEDURE. - Form completed by the data subject.
PROCESSING. - Mixed (automated and non-automated).
DATA PROTECTION POLICY
DATA ACCESS AND DISCLOSURE. - NOT APPLICABLE
LEGAL BASIS FOR THE PROCESSING. - Contractual, as set out in art. 6 (b) of the GDPR.
DATA RETENTION PERIOD. - As long as is necessary for the purpose for which they were collected or the limitation periods for actions relating to these
proceedings.

DATA CONTROLLER. - Instituto de Crédito Oficial (ICO).
PURPOSE. - Process payroll data and loans to ICO employees.
DATA COLLECTION PROCEDURE. - Form completed by the data subject
CATEGORIES OF STAKEHOLDERS. - ICO employees
DATA ACCESS AND DISCLOSURE. - AEAT, Social Security Treasury, Financial institutions Ministry of Economy Trade and Business
PROCESSING. - Mixed (automated and non-automated).
LEGAL BASIS FOR THE PROCESSING. - Contractual, as set out in art. 6 (b) of the GDPR.
DATA RETENTION PERIOD. - As long as is necessary for the purpose
for which they were collected.

DATA CONTROLLER. - Instituto de Crédito Oficial (ICO).
PURPOSE. - ICO human resources management, recruitment processes, training and evaluation of ICO employees.
CATEGORIES OF STAKEHOLDERS. - Candidates undergoing recruitment procedures. ICO staff in training activities.
DATA COLLECTION PROCEDURE. - Form completed by the data subject.
DATA ACCESS AND DISCLOSURE. - Mutua de Prevención, as the company in charge of the Occupational Risk Prevention Service, FREMAP as the occupational accident mutual insurance company and E.P., SANITAS, S.A.S., as the company in charge of health insurance and BBVA as the manager of ICO employees' pension fund, Previlabor 365, S.L. as the medical service for ICO employees, Mercer Consulting, S.L.U. in charge of flexible employee remuneration, Bankia Mapfre vida for the life insurance on housing loans, and Unión a Pacific for language training for ICO employees.

In addition, personal data of employees are collected on a contractual basis and shall be such data as is necessary for their purposes.
PROCESSING. - Mixed (automated and non-automated).
LEGAL BASIS FOR THE PROCESSING. - Contractual, as set out in art. 6 (b) of the GDPR.
DATA RETENTION PERIOD. - As long as is necessary for the purpose
for which they were collected.

DATA CONTROLLER. - Instituto de Crédito Oficial (ICO).
PURPOSE. - Control of the entry and exit of personnel from outside the organisation, as well as to ensure the security of its employees and other persons accessing the building.
CATEGORIES OF STAKEHOLDERS. - ICO's own and external staff. Individuals or representatives of legal entities who come to ICO's headquarters to carry out various tasks.
DATA COLLECTION PROCEDURE. - Form completed by the data subject and closed-circuit television (CCTV). Review of information from videos and recordings.
DATA ACCESS AND DISCLOSURE. - Regulatory. The data will be communicated, if necessary, to the law enforcement authorities of the State for the investigation of crimes that could be detected by the video surveillance system, given the purpose of the security protection of the premises that justifies the creation of this type of PROCESSING.
PROCESSING. - Mixed (automated and non-automated).
LEGAL BASIS FOR THE PROCESSING. - Contractual, as set out in art. 6 (b) of the GDPR, in terms of security monitoring and regulatory, as set out in Art. 89 of the LOPD.
DATA RETENTION PERIOD. - As long as is necessary for the purpose for which they were collected. In the case of recordings, the data will be deleted within a maximum period ofone month from their collection.

DATA CONTROLLER. - Instituto de Crédito Oficial (ICO)
PURPOSE. - Medical advice for employees and requested reports.
CATEGORIES OF STAKEHOLDERS. - ICO employees
DATA COLLECTION PROCEDURE. - Data received by Human Resources. In this PROCESSING the conditions set out in Regulation (EU) on the data protection officer apply, i.e., the only person who has access to the data of this PROCESSING is the Company Physician.
PROCESSING. - Mixed (automated and non-automated).
LEGAL BASIS FOR THE PROCESSING. - Contractual, as set out in art. 6 (b) of the GDPR.
DATA RETENTION PERIOD. - As long as is necessary for the purpose
for which they were collected.

DATA CONTROLLER. - Instituto de Crédito Oficial (ICO).
PURPOSE. - Control and management of contracts. Obtaining audio recordings for verification of financial data, such as the communication given to persons
joining the Treasury Desk and the Capital Markets Area.
CATEGORIES OF STAKEHOLDERS. - ICO employees and counterparties in the transactions to be carried out.
DATA COLLECTION PROCEDURE. - Form completed by the data subject
and recordings made on a sound-recording medium.
DATA ACCESS AND DISCLOSURE. - Data may be disclosed to audit bodies
such as external auditors, financial institutions and the Ministry of Economy, Trade and Business.
PROCESSING. - Mixed (automated and non-automated).
LEGAL BASIS FOR THE PROCESSING. - Contractual, as set out in art. 6 (b) of the GDPR.
DATA RETENTION PERIOD. - As long as is necessary for the purpose
for which they were collected.

DATA CONTROLLER. - Instituto de Crédito Oficial (ICO).
PURPOSE. - Receipt, processing and investigation of reports made by employees regarding breaches of ICO's Code of Conduct, in relation to the values, behavioural guidelines and objectives that should guide the Institute.
CATEGORIES OF STAKEHOLDERS. - ICO employees and third parties required to comply with the Code of Conduct.
COLLECTION PROCEDURE - By encrypted e-mail addressed to the Code of Conduct Compliance Committee or by any other means that allows proof of sending.
PROCESSING. - Mixed (automated and non-automated).
LEGAL BASIS FOR THE PROCESSING. - Contractual and regulatory, as set out in Art. 6 (b) and (c), as well as Art. 40 and 41 of the GDPR.
DATA RETENTION PERIOD - As long as is necessary for the purpose
for which they were collected.

DATA CONTROLLER. - Instituto de Crédito Oficial (ICO).
PURPOSE. - Compliance with Law 10/2010 of 28 April 2010 on the prevention of
money laundering and terrorist financing and Law 12/2003 of 21 May 2003 on combating the financing of terrorism and implementing regulations, more specifically: 1 processing related to compliance with the due diligence obligations (Law 10/2010 of 28 April 2010). Investigation of persons suspected of money laundering and list of excluded customers, in accordance with the money laundering prevention policy or at the request of the Executive
Service.
CATEGORIES OF STAKEHOLDERS. - ICO’s control bodies. Supervisory bodies.
COLLECTION PROCEDURE - From the data subject or his or her legal representative, public administrations, public registers and sources accessible to the public, sanctions lists and internal policy
DATA ACCESS AND DISCLOSURE. - Regulatory.
PROCESSING. - Mixed (automated and non-automated).
LEGAL BASIS FOR THE PROCESSING. - regulatory, as set out in Art. (6) and (b) of the GDPR.
DATA RETENTION PERIOD. - As long as is necessary for the purpose for which they were collected.

DATA CONTROLLER. - Instituto de Crédito Oficial (ICO).
PURPOSE. - Store and recover information about a user's browsing habits or their equipment. The cookies are used exclusively by ICO only and under no circumstances
shall ICO market them.
CATEGORIES OF STAKEHOLDERS. - Individuals who consent to storage and retrieval on ICO’s website.
DATA COLLECTION PROCEDURE. - through the external website of the Instituto de Crédito oficial .(https://www.ico.es/es/web/ico_en/legal-notice)
PROCESSING. - Mixed (automated and non-automated).
DATA ACCESS AND DISCLOSURE. - ICO’s external website.
LEGAL BASIS FOR THE PROCESSING. - The explicit consent of the data subject in accordance with Art. 6 (a) of the GDPR.
DATA RETENTION PERIOD. - A maximum of 24 months, after which the consent must be renewed.

DATA CONTROLLER. - Instituto de Crédito Oficial (ICO).
PURPOSE. - To process the information and personal data collected through the Ethics Channel, in compliance with the legal obligation established in Law 2/2023, of 21 February, on the Protection of Persons Reporting Violations of the Law and the Fight against Corruption, for the purpose of managing the complaints received through the Channel, guaranteeing the confidentiality of the whistleblower's data by keeping them anonymous.
CATEGORIES OF STAKEHOLDERS. - ICO employees and third parties, both of whom may be anonymous, who report conduct or actions that may arise in or relate to ICO.
COLLECTION PROCEDURE - Through the Ethics Channel hosted on ICO’s website, managed through a third party.
DATA DISCLOSURE. - Data will not be disclosed to third parties, unless their identification constitutes a necessary and proportionate obligation imposed by EU or national law in the context of investigations carried out by national authorities or in the framework of judicial proceedings, in which case they must be communicated to the authorities competent in the matter.
PROCESSING. - Automated.
LEGAL BASIS FOR THE PROCESSING. - Contractual and regulatory, as set out in Art. 6 (b) and (c), as well as Art. 40 and 41 of the GDPR. In the event that data belonging to the so-called sensitive categories are entered, they may be processed on the basis of an essential public interest in accordance with Art. 9.2. g) of the General Data Protection Regulation.
DATA RETENTION PERIOD. - Data will be kept for a maximum period of 3 months from the time the data is entered into the Channel, but may remain blocked if this is necessary to prove the functioning of the crime prevention model or if it is required by the competent authority to initiate the relevant investigation of the facts.

4. Profiles

When we send or deliver personalised communications or content, we may employ certain methods that qualify as “profiling” (i.e. any automated processing of personal data that involves the use of such data to evaluate specific personal aspects of an individual, particularly for the analysis or prediction of factors related to personal preferences, interests, financial status, location, trustworthiness, or transactions carried out with the ICO). This means that we may collect personal data concerning you in order to carry out this profiling. We centralise this information and analyse it to assess and predict your personal preferences and/or interests.

Based on our analysis, we send or deliver communications and/or content specific to your interests/needs.

Please note that you have the right to object to the processing of your personal data for profiling purposes in certain circumstances. To this end, please refer to section 10, “Rights of the data subject and exercise of these rights.”

5. Who can access your Personal Data?

5.1. We may share your Personal Data within the ICO Group.

“Who may access your Personal Data?” your data may be shared with other ICO Group companies on the legal basis of legitimate interest of the group for administrative purposes and under the legal obligation of maintaining your information on a cancellation list if you have requested not to receive any additional marketing communications.

5.2. Your personal data may also be processed on our behalf by our trusted third party providers.

We enter into agreements with trusted third parties to perform a variety of services on our behalf. We only provide them with the information they need to perform the service, and we require that they do not use your personal data for any other purpose. We make every effort to ensure that all third parties we work with maintain the security of the personal data we provide to them.
6. How long do we keep your personal data?
We only keep your personal data for as long as we need it for the purpose for which it was collected with your explicit consent, in order to meet your needs or to comply with our legal obligations.

To determine the data retention period of your personal data, we use the following criteria:

Personal data obtained when contacting us with an query or complaint: for the time necessary to deal with your query;
Personal data obtained when giving consent to send communications or because they are necessary according to the regulations: until the purpose for which they were requested has been fulfilled.

We may retain some personal data to comply with our legal or regulatory obligations and to manage our rights (for example, to enforce our claims in court) or for statistical or historical purposes.

When we no longer need to use your personal data, it will be eliminated from our systems and records or made anonymous so that we can no longer identify you.

7. Is your personal data stored securely?

We are committed to protecting your personal data and to taking all reasonable precautions to do so. We contractually require the trusted third parties who handle your personal data to do the same.

We always do our best to protect your Personal Data and once we receive your personal information, we use strict procedures and security features to try to prevent unauthorised access. As the transmission of information via the Internet is not completely secure, we cannot guarantee the security of the data you transmit to our site. Therefore, any transmission is at your own risk.

8. Links to third party sites and social login

Our websites and applications may contain links to and from the websites of our partner networks. If you follow a link to any of these websites, please note that these websites have their own privacy policies and we are not responsible for these policies. Please check these policies before submitting personal data to these websites.

9. Social media and user-generated content

Some of our websites and applications allow users to submit their own content. Please note that any content submitted to any of our social media platforms may be visible to the public, so you must be careful when sharing specific personal data (for example, financial information or details of where you live). We are not responsible for the actions of others connected to personal data posted on our social media platforms and we advise you not to share this kind of information.

10. Rights of the data subject and exercise of these rights

The ICO respects your right to privacy: it is important that you have control over your Personal Data.

In this regard, you have the following rights:

Right to information	You have the right to receive clear, transparent, and easy-to-understand information about how we use your Personal Data and about your rights. We provide that information in this policy.
Right of access	You have the right of access to the Personal Data we hold about you (within certain limits). We may charge a reasonable fee, subject to prior notice, to cover the administrative costs involved in providing the data. Manifestly unfounded, excessive or repetitive requests may be rejected. To exercise this right, you can contact us using the information provided under “Contacts”.
Right to rectification	You have the right to obtain the rectification of your Personal Data at any time if they are inaccurate or if they are no longer valid, or to have them completed it if they are incomplete. To exercise this right,you can contact us using the information provided under “Contacts”.
Right to erasure/be forgotten	In certain cases, you have the right to have your Personal Data erased or deleted. It should be noted that this is not an absolute right, as we may have legal or legitimate reasons for retaining the data. If you would like us to erase your Personal Data, you can contact us using the information provided under “Contacts”.
Right to object to direct marketing, including profiling	You can unsubscribe from our direct marketing communications at any time. You can unsubscribe by clicking on the “Unsubscribe” link contained in any email or communication we send you. Otherwise, please contact us using the information provided under “Contacts”. To object to profiling,you can contact us using the information provided under “Contacts”.
Right to withdraw consent at any time in cases where the processing of data is based on consent	You may withdraw your consent to the processing of your Personal Data in cases where the processing relies on your consent. Withdrawing consent will not affect the lawfulness of processing that occurred before the consent was revoked. For information on when processing relies on consent, please refer to the section “What data do we collect from you?”, “What is the legal basis for processing your Personal Data?”. If you wish to withdraw your consent, you can contact us using the information provided under “Contacts”
Right to object to processing based on the fulfilment of legitimate interests	You may object at any time to the processing of your data when this processing is based on the fulfilment of legitimate interests. For information on when processing is based on legitimate interests, please refer to the section “What data do we collect from you?”. “What is the legal basis for processing your Personal Data?” If you wish to exercise this right, you can contact us using the information provided under “Contacts”.
Right to lodge a complaint with a supervisory authority	You have the right to lodge a complaint with the Spanish Data Protection Agency about the ICO's privacy and data protection policies. Please do not hesitate to contact us using the information provided under “Contacts” before lodging a complaint with the relevant data protection authority.
Right to data portability	You have the right to move, copy or transfer data from our database to another database. This right can be exercised only for data you have supplied when processing relies on contract performance or your consent, and when the processing is automated. For information on when processing is based on a contract or consent, please refer to the section “What data do we collect from you?”, “What is the legal basis for processing your Personal Data?”. For further information, you can contact us using the information provided under “Contacts”.
Right to restriction of processing	You have the right to obtain the restriction of the processing of your data. If you exercise this right, the processing of your data will be subject to restriction, allowing us to retain them but no longer use them or process them. This right can only be exercised in certain circumstances defined by the General Data Protection Regulation, as follows: - the accuracy of the personal data is contested by the data subject, for a period enabling the controller to verify the accuracy of the personal data; - the processing is unlawful, and the data subject opposes the deletion of personal data, opting for its restriction of use instead; - the controller no longer needs the personal data for the purposes of the processing, but they are required by the data subject for the establishment, exercise or defence of legal claims; - the data subject has objected to processing pursuant to Article 21(1) pending the verification whether the legitimate grounds of the controller override those of the data subject. If you wish to exercise this right, you can contact us using the information provided under “Contacts”.

Contacts

If you have any questions about how we process and use your Personal Data or wish to exercise any of your rights, you can let us know by sending an email to delegado.protecciondatos@ico.es or by writing to us at the following address: Instituto de Crédito Oficial, at Paseo del Prado, 4 -28014 (Madrid) Spain.

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La información y los documentos que aparecen en esta página web y sus anuncios relacionados son exclusivamente de carácter informativo. Ningún contenido de esta página web y sus anuncios relacionados puede interpretarse como una oferta, ni invitación ni recomendación, para la suscripción o la adquisición, la tenencia o la venta de cualquier activo financiero.

La distribución de la información y los documentos contenidos en esta página web puede estar prohibida o limitada por ley en algunas jurisdicciones. Se deniega el acceso a las personas a las que se apliquen estas restricciones en dichas jurisdicciones. La información y los documentos contenidos en esta página web no están dirigidos ni pueden ser vistos ni distribuidos a ninguna persona residente o físicamente presente en los Estados Unidos de América, salvo lo estipulado en la Norma 144A de acuerdo con la Ley sobre Activos Financieros (Securities Act) en relación con "inversores institucionales cualificados" (QIBs).

Se deniega el acceso a toda persona a quien estas restricciones les sean de aplicación. Cada visitante de esta página web tiene la obligación de informarse debidamente y a cumplir con las restricciones correspondientes. El Instituto de Crédito Oficial (ICO) no asume ninguna responsabilidad en caso de alguna infracción en este sentido.

NO SOY RESIDENTE EN EE.UU. NI EN NINGUNA JURISDICCIÓN EN QUE EL ACCESO A ESTA INFORMACIÓN ESTÉ LEGALMENTE LIMITADA Y ESTOY DE ACUERDO CON LO EXPUESTO ANTERIORMENTE

Como consecuencia de la información anterior, en esta sección de esta página web usted confirma que no es residente en los EE.UU. ni en ninguna jurisdicción en que el acceso a esta información esté legalmente limitada y que no distribuirá aviso alguno ni documentación contenida en la misma a alguna persona residente en los EE.UU. ni en ninguna jurisdicción en que el acceso a esta información esté legalmente limitada. Ninguna información desplegada en las siguientes secciones constituye una oferta de venta de activos financieros en los EE.UU.

ACEPTO NO ACEPTO

El Instituto de Crédito Oficial no ha efectuado ni tiene la intención de efectuar el registro de cualquiera de sus activos financieros (ni tampoco la garantía de los mismos ha sido o será registrada), de acuerdo con la Ley estadounidense de 1933 sobre activos financieros o con cualquier Ley estatal estadounidense sobre activos financieros que resulten de aplicación, ni realizará oferta pública de venta de activos financieros en los EE.UU. El ICO cumple la normativa en materia de exención de la inscripción de sus activos financieros, de acuerdo con la mencionada ley estadounidense de 1933 sobre activos financieros, según la cual éstos se ofrecerán a la venta sólo a "inversores institucionales cualificados", según lo previsto en la Norma 144A.

The information contained in this website and its related advertisements is not directed at and may not be acted on by anyone other than professional investors and eligible counterparties with the meaning of the relevant jurisdiction ("Relevant Persons"). Persons who do not fall within the definition of ‘‘Relevant Persons’’ above should not enter this website upon it.

Information and documents contained in this website and its related advertisements are for information purposes only. Nothing on this website and its related advertisements constitutes an offer or an invitation or recommendation to subscribe to or to purchase, to hold or sell any securities.

Distribution of information and documents contained on this website may be forbidden or limited by legislation of some jurisdictions. Access is denied to persons to whom these restrictions in such jurisdictions apply. The information and documents contained on this website are not directed at and may not be viewed by or distributed to any person resident in the United States of America or physically present in the United States of America, except the provisions set forth in rule 144A under the Securities Act, regarding "qualified institutional buyers".

Access is denied to persons to whom these restrictions could be applied. Each visitor to this website is required to inform himself accordingly and to comply with applicable restrictions. ICO is by no means liable for any such infringement.

I AM NOT RESIDENT IN THE U.S. OR IN ANY JURISDICTION IN WHICH THE DISTRIBUTION OF THIS INFORMATION IS LEGALLY LIMITED AND AGREE WITH THE ABOVE TERMS.

As a consequence of the previous information, at this website section you confirm that you are not a resident of the United States of America or of any jurisdiction in which the distribution of this information is legally limited and that you will not distribute any of the information and documents contained hereon to any person resident in the United States of America or in any jurisdiction in which the distribution of this information is legally limited. None of the information displayed in the following sections is an offer of securities for sales in the United States of America.

I ACCEPT I DO NOT ACCEPT

Instituto de Crédito Oficial has not registered, and does not intend to register, any of its securities (nor the guarantee thereof has been or will be registered) under the United States Securites Act of 1933 or any applicable U.S State Securities Laws or to conduct a public offering of securities in the United States of America. Instituto de Crédito Oficial is complying with rules concerning the exemption from the registration of its securities under the United States Securities Act of 1933, by which those securities will be offered only for sales to "qualified institutional buyers" (QUIBs) pursuant to rule 144A.