Terms of Use

How can you contact the HANS Data Protection Officer?

You can contact the HANS Data Protection Officer at the following email address:dpo.wipop@bbva.com.

What do we use your personal data for?

To manage your navigation through the Website in accordance with the Cookie Policy that you can consult here.
For the purposes stated and with the authorisation indicated in each of the personal data collection forms on the Website.

At HANS we treat your personal data with absolute confidentiality, undertaking to keep them confidential and guaranteeing our duty to safeguard them by adopting all necessary measures to prevent their alteration, loss, unauthorised processing or access, in accordance with the legal obligations that apply to us as the parties responsible for the processing of your personal data. HANS has implemented and maintains the highest levels of security required by law to protect your personal data against accidental loss and against unauthorised access, processing or disclosure, taking into account the state of technology, the nature of the data stored and the risks to which they are exposed. You can consult the HANS Security section here.

Will HANS send you commercial communications?

Through the data collection forms, HANS may request your consent to contact you by ordinary mail, email, SMS, or any other equivalent means of electronic communication, in order to send you commercial communications about its own products and/or those of third parties identified on the form. If at any time you do not wish to receive communications of this nature, you may revoke your consent by sending a notification to the following addres derechosprotecciondatos.wipop@bbva.com.

How long will we keep your data?

For the period of time indicated on the form that we may provide you with to submit your personal data to HANS, as well as the period indicated in the Cookie Policy.

Who will we share your data with?

We will not pass on your personal data to third parties, unless we are obliged to do so by law or you consent to it.

When your consent is necessary to communicate your personal data to third parties, we will inform you in the data collection forms of the purpose of the processing, the data to be communicated and the identity or sectors of activity of the possible assignees of your personal data.

You can consult the HANS Cookie Policy to find out which third parties receive personal data through cookies from this Website.

We also inform you that, for the same purpose as indicated in the previous paragraph, certain companies that provide services to HANS may have access to your personal data (international data transfers). These transfers are made to countries with a level of protection comparable to that of the European Union (European Commission adequacy decisions, standard contractual clauses and certification mechanisms). For further information, please contact the HANS Data Protection Officer at the following email address: dpo.wipop@bbva.com.

Does HANS use cookies on this website?

We use a technology called “cookies” on our website. For more detailed information on how HANS uses cookies, please see the Cookie Policy here.

Does HANS use links to other websites?

The Website may contain links to other websites. Please note that HANS is not responsible for the privacy and personal data processing of other websites. This Personal Data Protection Policy document applies exclusively to information collected on the Website by HANS. We encourage you to read the privacy policies of other websites that you link to from our Website or otherwise visit. You can also find more information about our linking policy in our Legal Notice here.

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

LAW	CONTENT	CUSTOMER SERVICE CHANNELS
Access	You will be able to consult your personal data included in HANS files.
Correction	You may request the deletion of your personal data.
Correction	You will be able to consult your personal data included in HANS files.
Opposition	You may request that your personal data not be processed.
Treatment limitation1	You may request the processing of your data to be limited in the following cases: While your data is being checked for accuracy. Where the processing is unlawful, but you object to the erasure of your data. When HANS does not need to process your data but you need it for the exercise or defence of claims. When you have objected to the processing of your data in order to fulfil a task carried out in the public interest or to satisfy a legitimate interest, while it is being verified whether the legitimate grounds for processing override yours.	You may request the processing of your data to be limited in the following cases: Pending a challenge to the accuracy of your data. Where the processing is unlawful, but you object to the erasure of your data. When HANS does not need to process your data but you need it for the exercise or defence of claims. Where you have objected to your data being processed to perform a task carried out in the public interest or to fulfil a legitimate interest, while it is being verified whether the legitimate grounds for processing outweigh yours.
Portability	You may receive, in electronic format, the personal data you have provided to us, as well as transfer it to another entity.

If you believe that we have not processed your personal data in accordance with the regulations, you can contact the Data Protection Officer at derechosprotecciondatos.hansfactory@bbva.com. However, you have the right to lodge a complaint with the Spanish Data Protection Agency (https://www.aepd.es/en).

The exercise of these rights is free of charge.

Likewise, at any time, you may withdraw your consent without affecting the lawfulness of the processing by sending your request to the email address derechosprotecciondatos.wipop@bbva.com.

These Terms of Use regulate the usage of the Website that HANS makes available to Users.

The Terms of Use together with the Legal Notice, the Personal Data Processing Policy and the Cookie Policy together constitute the terms and conditions governing access to and use of the public part of the Website (the “Website Terms and Conditions”). In the event that the User also registers as a user of the private area of the Website, the Terms and Conditions of Registration shall also apply in addition to the Website Terms and Conditions, which must be expressly accepted by the User at the time of registration.

By accessing and using the Website, the User accepts in full and agrees to be bound by the Website Terms and Conditions. Therefore, the User must carefully read these Terms of Use as well as the other Website Terms and Conditions each time he/she intends to use the Website, as these may be subject to modifications that will be communicated to the User with the new access. HANS reserves the right to update, modify or delete the present Website Terms and Conditions.

Acceptance of the Terms of Use

Website Terms of Use

The User undertakes to make good use of the Website, good use being understood as that which is in accordance with current legislation, good faith and public order. Likewise, the User undertakes not to use the Website for fraudulent purposes, as well as not to carry out any conduct that could damage the image, interests and rights of HANS or third parties. Likewise, the User undertakes not to carry out any act with the aim of damaging, rendering useless or overloading the Website, or preventing, in any way, the normal use and operation of the same.

The User is informed that, in the event that he/she breaches the content or obligations arising from the Website Terms and Conditions or any other particular terms or conditions contained in the Website, HANS reserves the right to limit, suspend or terminate his/her access to the Website, taking any technical measures necessary for that purpose. HANS also reserves the right to take such action if it reasonably suspects that the User is violating any of the terms contained in the Website Terms and Conditions or any other particular terms or conditions contained in the Website.

HANS reserves the right to update, modify or delete the information contained on the Website, including the contents and/or services included therein, and may even limit or deny access to such information at any time and without prior notice. In particular, HANS reserves the right to remove, limit or prevent access to the Website when technical difficulties arise due to events or circumstances beyond HANS’ control which, in its opinion, diminish or nullify the levels of security or standards adopted for the proper functioning of the Website. To this end, HANS reserves the right to make decisions at any time on the continuity of the information society services provided through the Website.

Website Content

The intellectual and industrial property rights to the Website, including the layout of the Website content, the sui generis right to the underlying databases, the graphic design and user interface of the Website (look & feel), the underlying computer programs (including source and object codes), as well as the various elements that make up the Website (texts, graphics, photographs, videos, sound recordings, etc.) (the “Content”), belong to HANS or its licensors.

The distinctive signs included on the Website (trademarks and trade names) are owned by HANS or its licensors. The use of the Website by the User does not imply the transfer of any intellectual and/or industrial property rights over the Website, the Contents and/or the distinctive signs belonging to HANS. To this effect, by means of these Terms of Use, except in those cases in which it is legally permitted or with prior authorisation from HANS, the User is expressly prohibited from reproducing, transforming, distributing, publicly communicating, making available, extracting and/or reusing the Website, its Contents and/or the distinctive signs of HANS or of any other third parties incorporated into the Website. HANS reserves the right to take appropriate legal action against Users who violate or infringe intellectual and/or industrial property rights.

HANS grants, to Users who respect the Website Terms and Conditions (and, if applicable, the Terms and Conditions of Registration) a non-exclusive authorisation to use the Website for the maximum period of validity of the intellectual and industrial property rights as established by the applicable regulations (except in the event that their access to the Website is suspended for justified cause) and for the purpose of enabling the User to use the Website in accordance with this document. 

HANS FURTHER DECLARES as follows: 

The information contained in the Website is for information purposes only, and does not provide any type of recommendation, and may not be considered in any case as technical, legal, fiscal, financial or investment advice, nor as an offer or guarantee on the part of HANS, nor should it be understood as a recommendation to carry out operations, nor shall it constitute the basis for making a decision in any particular direction. HANS declines all responsibility for any use that may be made of the information contained in the Website in this sense, and it is specifically understood that this information, subject to the regulations in force in Spain, is not intended for those Users who act under other jurisdictions of other States that demand compliance with different requirements for the provision, disclosure or advertising of information of this type. 
The information provided by HANS on the Website does not constitute a technical opinion belonging to HANS.
HANS is not responsible for ensuring that the information contained herein meets the User’s expectations. HANS is not responsible for the truthfulness, accuracy, sufficiency, completeness or up-to-dateness of information which is not produced by HANS and for which another source is indicated. Nor is HANS responsible for the opinions or comments that appear on the Website, since they have either been made by its Users in their personal capacity or come from the sources indicated.
HANS reserves the right to update, modify or delete the information contained on the Website under the terms indicated in section 2 above, and does not assume any commitment to communicate changes or modify the content thereof.

The User ACKNOWLEDGES AND AGREES to the above declarations by HANS and additionally GUARANTEES compliance with the regulations applicable to him/her as a User of this Website.

Links Policy

Linking to the Website

Linking to the Website is prohibited unless previously authorised by HANS. In any case, once the link has been authorised by HANS, linking must take place under the following terms:

The link may not consist of frames that allow the Website to be viewed through Internet addresses other than those of the Website or that in any other way display information from the Website together with information from other web pages.
The website that introduces the link (the “Linking Site”) shall not make any false, inaccurate or incorrect statements about the Website and/or HANS.
In no case does the authorisation granted by HANS mean: (i) that HANS sponsors, endorses, supports, verifies or monitors the content and/or services provided through the Linking Site; nor (ii) that HANS is in any way responsible for the content of the Linking Site.
The Linking Site must comply faithfully with the Law and may not under any circumstances host its own or third party forms of content which: (i) are unlawful, harmful to the rights of third parties, harmful in general, denigrating, violent, inappropriate or in any other way contrary to morals, uses and good customs (pornographic, racist, etc.); (ii) induce or could induce in the User the false conception that HANS subscribes to, endorses, adheres to or in any way supports the ideas, statements or expressions, legal or illegal, of the sender; and (iii) are inappropriate or irrelevant in relation to the activity of HANS.

In the event of non-compliance with any of the aforementioned terms, HANS may take the appropriate measures to that effect.

Linked Sites

In order to help the User to find additional information, we may include various technical linking devices that allow the User to access other websites (the ‘Linked Sites’). In these cases, HANS acts as an intermediary service provider, in accordance with the provisions of article 17 of the LSSI (Law on Information Society Services and Electronic Commerce). In accordance with the provisions of the aforementioned legislation, HANS shall not be liable for the services and content provided through the Linked Sites, unless it has actual knowledge of the unlawfulness and has not deactivated the link with due diligence.

Under no circumstances does the existence of Linked Sites imply recommendation, promotion, identification or conformity on the part of HANS with the statements, contents or services provided through the Linked Sites. Consequently, HANS is not responsible for the content of the Linked Sites, nor for their terms of use and privacy policies, and the User is solely responsible for checking and accepting them each time he/she accesses and uses them.

In the event that the User considers that the Linked Sites contain content that is unlawful, harmful to the rights of third parties, harmful, denigrating, violent, inappropriate or in any other way contrary to morals, uses and good customs, he/she may inform HANS . However, in no case does such communication necessarily imply HANS’ effective knowledge of the unlawfulness of the contents of the Linked Site, for the purposes of the provisions of the regulations in force.

Reporting activities of an illegal and inappropriate nature

In the event that the User or any other Internet user becomes aware that any type of information or content on the Website or provided through it is unlawful, harmful to the rights of third parties, harmful, derogatory, violent, inappropriate, contrary to the provisions of these Terms of Use or, in any other way, contrary to morality, customs and good manners, he/she may contact HANS indicating the following details:

the caller’s personal data: name, address, telephone number and email address;
a description of the facts which reveal the unlawful or inappropriate nature of the content or information, as well as the specific address at which it is available;
in the case of infringement of third party rights, such as intellectual and industrial property rights, the details of the holder of the infringed right must be provided where this is a person other than the communicator. He/she must also provide proof of ownership of the rights infringed and, where applicable, representation to act on behalf of the owner when he/she is a person other than the communicating party.

The receipt by HANS of the communication provided for in this clause shall not imply, in accordance with the provisions of the LSSI, effective knowledge of the activities and/or contents indicated by the communicating party when this is not obvious or evident. In any case, HANS reserves the right to suspend or remove the contents that, although not illegal, are contrary to the rules established in these Terms of Use, weighing in each case the legal assets in conflict.

Responsibility of HANS

The User should be aware that communications over open networks are exposed to a variety of threats that make them insecure. It is the User’s responsibility to take all appropriate technical measures to reasonably control these threats, including having up-to-date systems for detecting malicious software, such as viruses, Trojans, etc., as well as having up-to-date security patches for the corresponding browsers. For more information, please see the HANS Security Policy or contact your Internet service provider who can provide you with solutions tailored to your needs. To the maximum extent permitted by applicable law, HANS shall not be liable for damages caused to the User as a result of risks inherent to the medium used, nor for those caused by vulnerabilities in its systems and tools. HANS does not guarantee the total security of its systems and although it has adopted adequate security measures, the existence of vulnerabilities cannot be totally ruled out and, consequently, the User must be cautious when interacting with the Website.

In particular, HANS shall not be liable for:

Damage of any kind caused to the User’s computer equipment by viruses, worms, Trojans or any other harmful element.
Damages of any kind caused to the User as a result of failures or disconnections in the telecommunications networks that lead to the suspension, cancellation or interruption of the service of the Website during the provision of the same. In this regard, the User acknowledges that access to the Website requires services provided by third parties outside the control of HANS (by way of example: telecommunications network operators, access providers, etc.) whose reliability, quality, continuity and operation do not correspond to HANS, nor does it form part of its responsibility to guarantee the availability of the service.
Of the information of third parties in cases where HANS acts as an intermediary service provider in the sense given by the LSSI, except when there is effective knowledge and the corresponding information has not been withdrawn.

HANS shall also not be liable for any direct or indirect damages that Users may suffer as a result of inappropriate use of this Website or its content, nor does it assume any commitment to communicate changes or modify the content of the same.

Protection of personal data

Issues relating to the processing of Users’ personal data when using the Website are covered in the Personal Data Processing Policy.

Use of Cookies

Like other commercial content websites, the Website uses a technology called “cookies” to collect information about how you use the Website. Detailed information on how HANS uses cookies is available to the User in the Cookie Policy. 

For more information, please see the Cookie Policy.

Miscellaneous

In accordance with article 3 of the LSSI, the laws applicable to the information society services that HANS provides through the Website shall be those of Spain. Therefore, in all matters of litigation concerning this Website or any disputes relating to it between the Registered User and HANS, Spanish law shall apply.

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