Legal Information

Legal Information for Web users

Date of publication, 14 of january 2015


FACROSA INSULAR, S.L. (on, the Company), he is the owner of this website (on, Website). Its registered office is located in the Avd. Guillermo Santana Rivero, 1 local 4.  35012 - Las Palmas and CIF is B76204098. The electronic contact widht the Company can be carried through This email address is being protected from spambots. You need JavaScript enabled to view it..

The entity is registered in the Commercial Register of Las Palmas number, Volume, Folio Leaf Signup.

The domain name through which you. Have accessed the Portal is owned by the Entity.

This domain name may not be used in connection with other contents, products or services that are not owned by the Company or in any manner likely to cause confusion among end users or to discredit the Entity.


This page collects Legal Terms of Use governing access, navigation and use of the Site as well as the responsibilities arising from the use, provision and / or contracting of products or services, if any, may be offered, and the contents within it, and notwithstanding that the Company may establish specific conditions governing the use, provision and / or purchase products or services, if any, are offered to users through the Portal. In any case, those specific conditions will form an integral part of this Legal Notice.

The mere access to the Website, filling out forms, sending requests for information, queries, complaints, contracting offers, curriculum vitae and in general, anything similar nature to those made through the forms and / or existing mailboxes in the Portal imply, meanwhile, unreserved acceptance of each and every one of the members of this Disclaimer standards and acquiring consideration User Portal. Accordingly, you. Must read and know the contents of this Legal Notice.

Should be offered through the Portal, the use, provision and / or purchase products or services, the fact of being used and / or requested by the user will imply also the unreserved acceptance of the particular conditions, where appropriate, have been established for the purpose, and form an integral part of this Legal Notice.


Access to the Site by users is free and gratuitous. However, the use, provision and / or contracting of products or services, if any, can be offered by the Company may be subject to prior compliance with formal requirements such as the completion of the form, payment of expenses or taxes and / or prior acceptance of the particular conditions that may apply to them.

Just accessing the Portal does not in itself establish any link or commercial relationship between the Bank and the user, except when they are set appropriate means for it and the user has previously complied with the requirements , if any, are established.

Inclusion on the Portal of information on products or services offered by the Bank is for informational and advertising purposes except as expressly provided for other purposes.

If for the use, benefit and / or acquire a product or service offered through the Website, the User must register, he will be responsible for providing true and lawful information, guaranteeing the authenticity of all the data you enter the in compiling the preset forms to access the products or services concerned. If as a result of registration, the User is given a password, it undertakes to make diligent and keep it secret. Consequently, users are responsible for the custody and confidentiality of any identifiers and / or passwords that are supplied by the Company, and agree not to transfer them to third parties, either temporarily or permanently, or to allow access to outsiders. User's sole responsibility to use and / or contracting of products or services by any illegitimate third party using a password for this purpose because of a negligent or loss thereof by the User.

In view of the above, it is the duty of the user to immediately notify the Bank, any fact to the improper use of identifiers and / or passwords, such as theft, loss or unauthorized access to them, with in order to proceed to immediate cancellation. While such facts are not disclosed, the Company shall be relieved of any liability that may arise from misuse of IDs or passwords by unauthorized third parties.

In any case, access, navigation and use of the website and, where appropriate, the use or contracting of services or products that are offered through the same is done under the sole and exclusive responsibility of the user, so it is agrees to diligently and faithfully any additional instruction given by the Company or by authorized personnel of the Company relating to the use of the Website and its content.

Therefore, the User agrees to use the contents, products and services diligently, correctly and lawfully, in accordance with current legislation and in particular, undertakes to refrain from:

(i) Using them in ways that are contrary to law, morals, good customs generally accepted or public order and the instructions given by the Entity.

(ii) Using them harms the legitimate rights of others.

(iii) Use the contents and products and, in particular, information of any kind obtained through the Website or the services to send advertising, communications for direct sales or any other commercial purpose, unsolicited messages addressed to multiple of people regardless of their purpose, and refrain from selling or otherwise disclose such information.


The Company can not guarantee the reliability, usefulness or completeness of the information provided through the Portal.

Accordingly, the Company does not guarantee nor be held responsible for:

(i) The continuity of the contents of the Website and / or the lack of availability or accessibility of the Portal or its technical continuity;

(ii) The absence of errors in the content or products;

(iii) The absence of viruses and other harmful components in the Website or the server that supplies;

(iv) The invulnerability of the Website and / or the impregnability of the security measures taken in the same;

(v) In his case, the lack of utility or performance of the content or services Portal;

(vi) Damages caused to himself or a third party, anyone who breaches the conditions, rules and instructions set out in the Company Portal or through breach of security systems of the same;

(vii) Any other damage that may be caused by reasons inherent in the non-operation or malfunction of the Website or the websites to which, if any, have been able to establish links.

Nevertheless, the Bank states that it has taken all necessary measures, within its capabilities and state of technology, to ensure the functioning of the Website and avoid the existence and transmission of viruses and other harmful components to Users.

The Bank makes every effort to avoid errors in the contents published on the site. All content offered through the Portal are updated and the Entity reserves the right to modify at any time. The Bank is not responsible for any consequences that may arise from errors in the contents that may appear on the Website provided by third parties.

Any communication or transmission of content that infringes the rights of third parties and whose content is threatening, obscene, defamatory, pornographic, xenophobic, which undermines the dignity and rights of children, current legislation or any conduct that incites prohibited or constitutes a criminal offense.

nclusion and communication of content is also forbidden, by users that are false or inaccurate and that lead or may mislead other users or staff of the Bank, including the contents that are protected by any intellectual or industrial property belonging to third persons who do not have the authorization of the rightholder, or discredit the fame or credibility of the Bank, are considered as a case of illegal, deceptive or unfair and / or contains viruses or any other electronic element that can damage or impede the operation of the website, network, computer equipment of the Company or third parties and / or access to the site from other users.

The Entity may refuse access to any User Portal performing any of the referenced behaviors with example and not limitation in this paragraph.


The Company owns or has obtained the appropriate license for the exploitation rights in intellectual, industrial property and image of the content available through it, including without limitation and not exhaustive, text, graphics, drawings, codes, software, photographs, videos, sounds, databases, indexes, images, marks, logos, expressions and information and, in general, any other creation protected by national regulations and international treaties on intellectual property (in later, as the Contents).

All rights of intellectual property on the Contents are reserved and in particular shall not modify, copy, reproduce, publicly display, transform, or distribute in any way all or part of the Contents included in the Portal, for public purposes or commercial, if you do not have prior authorization, express written consent of the Company or, where applicable, the holder of the corresponding rights.

Access to and navigation by the Portal in no way be construed as a waiver, license or total or partial transfer of the rights previously outlined by the Entity.
As a result, you may not remove, ignore or manipulate the copyright notice (" copyright ") and any other identifying information of the rights of the entity or its owners included in the content as well as technical protection devices, digital fingerprints or any information and / or identification that might be contained in the same.

Reference to names and trademarks or trademarks, logos or other distinctive signs, whether owned by the Company or third parties, implicitly forbid their use without the consent of the Company or its rightful owners. At no time, except clearly expresses the access or use of the Website and / or its Contents, gives the user fee on marks, logos and / or distinctive signs protected by the law.



The Company may offer links, directly or indirectly, to resources or Internet sites that are outside the Portal. The presence of these links on the Website for information purposes only and does not constitute any invitation to purchase products and / or services offered or may offer in the destination websites or imply the existence of link or commercial relationship or dependence with the owner of the linked website entity. In these cases, the Bank will not be responsible for establishing the general and particular conditions to consider in the use, provision or procurement of such services by third parties and therefore can not be held responsible for them.

The Company does not have power or human or technical means to know, control or approve the information, content, products or services provided by other websites to which it offers a link from the Portal. Consequently, the Entity will not take any responsibility for any aspect of the website to which they could establish a link from the Site, in particular, by way of example and not limitation, its operation, access, data, information, files, quality and reliability of its products and services, their own links and / or any of its contents in general.

Nevertheless, if the entity comes to have actual knowledge that the activity or information that is sent from these links is illegal, criminal or could damage property or rights of a third party, act with due diligence to remove or disable the link as soon as possible.

Also, if the Users become aware of the illegality of activities through these third party websites, they must immediately notify the Bank to the effect that proceed to disable the access link to it.


If any User, entity or website wants to establish some kind of link to the WebSite you must comply with the following provisions:

(i) The prior express written authorization from the Bank shall collect.
(ii) The link will only be made to the WebSite's homepage, unless otherwise stated or authorized.
(iii) The link must be absolute and complete, ie it must lead the User through a click, to the main page and must include the whole screen Portal home page. In any case, unless authorized by the Entity thing, the website from which you perform the link reproduce in any way the Portal, include it as part of your website or within one of its "frames" or create a "browser "on any page of the Portal.
(iv) On the website from which the link is established can not be declared in any manner that the Bank has authorized this link, unless that has been. If the entity making the link from your page to Portal wanted to include on its website, the brand name, trade name, label, logo, or other identifying mark of the entity and / or the Website, you must first have the prior express written authorization from the Entity.
(v) In any case, the Bank prohibits the establishment of a link to the Website from those websites containing materials, information or illicit, illegal, degrading or obscene content, and generally that contravene morality, public order, current legislation, the generally accepted social norms which harm the legitimate rights of others.


When necessary for the user to register or provide personal information (among other assumptions, to access services, request information, purchase products, make consultations, complaints or contract request, sending curriculum vitae), the collection and processing of data personal take place in accordance and in compliance with the principles contained in the Organic Law 15/1999 of 13 December, data Protection (LOPD) and development rules.

In your case, the user will be alerted as to the need to provide personal data. Should facilitate email address or other means of electronic communication, the user expressly authorizes the Bank to said medium is used as a communication therewith, to respond to your request and / or inquiry, and to bE ABLE transmit information concerning the Company and inform any other relevant changes that occur in the Portal.

Such data processing is carried out in accordance with those principles and in particular, subject to the duty of confidentiality and secrecy, having adopted the Bank the appropriate security measures to prevent any alteration, loss, unauthorized access or damage of personal data and information recorded.

The User has the right to access, rectification, cancellation and opposition (ARCO) which can be exercised by postal communication along with a photocopy of ID to the address of the entity under its website.

It also specifies that this website uses Google Analytics, a web analytics service provided by Google, Inc., a Delaware company whose main office is at 1600 Amphitheatre Parkway, Mountain View (California), CA 94043, USA ("Google "). Google Analytics uses "cookies", which are text files placed on your computer, to help the website analyze how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States. Google will use this information on our behalf in order to track your use of the website, compiling reports on website activity and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties when so required by law or where such third parties process the information on Google's behalf, as might be the case FACROSA INSULAR entity, with the sole purpose of performing analytics and tracking IPs purely statistical purposes. Google will not associate your IP address with any other data held by Google. You can refuse treatment of the data or information by rejecting the use of cookies by selecting the appropriate settings on your browser, cookies, however, you should know that doing so may not be able to use the full functionality of this website. By using this website you consent to the processing of data about you by Google in the manner and for the purposes described above. For more information, please visit the following URL


The Company reserves the right to modify this Legal Notice and / or special conditions, if any, have been established for the use and / or contracting of products or services provided through the Portal, when it deems necessary or in order to adapt to legislative and technological changes, remain valid and have effect since publication on the Portal.

The validity of these conditions of use coincides therefore with the time of their exposure until they are modified in whole or in part, at which will come into effect modified conditions of use.

The Company may terminate, suspend or discontinue at any time without prior notice, access to the page content, without possibility for the user to demand compensation. Following such termination, shall survive the prohibitions of use of the contents set out above in this Legal Notice.


Any communication between the Company and the user, it must be addressed to the Company at the address and / or email above. In any case, communications from the Entity to the User will be in accordance with the data provided or made contact. Specifically, the User agrees to the use of email as a valid procedure for the exchange of information and referral communications between and / or Entity.


The headings of the various clauses are for information only and do not affect, qualify or modify the interpretation of Legal Notice.

In the event of any conflict between the provisions of this Legal Notice and the special conditions, if any, may be established regarding products or services offered on the Website, you shall prevail in the particular conditions.

In the event that any provision or provisions of this is held invalid or unenforceable, in whole or in part by any court, tribunal or administrative body, the nullity Legal Notice shall not affect the other provisions of the Legal Notice or to the special conditions, if any, have been established.

Failure to exercise or enforcement by the Bank of any right or provision of this Legal Notice shall not constitute a waiver, unless expressly stated in writing by hand.


This Legal Notice and the relationship established between the Company and the User, in particular the knowledge and resolution of any disputes, disagreements or disputes that may arise shall be governed and resolved in accordance with the provisions of the Spanish rules on applicable law and competent jurisdiction.

However, for cases in which the regulations foresee the possibility of the parties to submit to jurisdiction, the Company and the User, expressly waiving any other jurisdiction that may apply, submit any disputes and / or litigation to the knowledge of the Courts of the city of domicile of the Company under this Legal Notice.