ExpertBank

Legal Notice

Legal notices and conditions of use of this site

PURPOSE AND GENERAL

EXPERTBANK, with CIF A-28301079, registered in the PARIS trade register, volume 5308, folio 202, sheet: M-87030, and at the Banque de France under registration number 0357 with address in Plaine de France, nº 134 , 95500, (Gonesse), France, and with the contact email address support@expertbank.financial. EXPERTBANK makes this website www.expertbank.financial available to Internet users (hereinafter the “Portal”, the “Website”). This website was created by EXPERTBANK to educate clients and non-clients about its financial products and services.

In the public section of the website, non-customer users and customers will be able to obtain information, request and contract the products and services offered by EXPERTBANK.

In the private section of the website, customers will be able to perform all operations related to the products and services of EXPERTBANK, as well as those related to their personal data and to informative and commercial communications and to the products they have contracted. Use of and access to the website will be governed by the provisions of these general conditions of use, as well as by our privacy policy and our cookies policy, which the user accepts and undertakes to comply with during the ‘access and / or use of the services of the same.

Access to this Portal is voluntary and free of charge for the user and attributes to whoever accesses the condition of user, who accepts these “general conditions of use” by simply staying on the site www.expertbank.financial, without prejudice to the specific conditions that may be found there and which will prevail over the conditions set forth herein. Therefore, it is recommended to read them carefully before performing any type of action.

DEFINITIONS

Website / Portal: Pages hosted under the domain www.expertbank.financial

User: This is any natural or legal person who accesses and makes direct or indirect use of the website, being bound by their simple access and use to these general conditions of service. These will be private users, businesses, companies, natural or legal persons or any other entity (hereinafter “Persons”) residing in Europe or accessing from the world, for which EXPERTBANK declines all responsibility for Access of Individuals in jurisdictions where such distribution or use could be against the rules or regulations.

Registered user: any person duly registered on the website of www.expertbank.financial

Client user: this registered user who proceeds to the subscription of any EXPERTBANK product and / or service on the website. In order to obtain a product or a service, it will be imperative that the user accepts the EXPERTBANK confidentiality policy as well as the general conditions of the specific contract of the product under contract.

Product or service: any type of product and / or service offered through the website that a duly registered user has the opportunity to acquire and / or enjoy. The www.expertbank.financial portal is freely accessible and free for all Internet users.

REGISTRATION ON WWW.EXPERTBANK.FINANCIAL

If, following the registration of the User, an access password is provided, the latter undertakes to make diligent use of it and to keep it strictly secret. The Registered User is solely responsible for the correct custody and strict confidentiality of passwords, access data or other elements provided by EXPERTBANK, and undertakes not to cede their use to third parties, whether temporarily or definitely.

The User will be responsible for any illegal use of the services by illegitimate third parties who for this purpose use a password given to the User Registered by EXPERTBANK. On the other hand, the identification and authentication by means of a user name and a password make the registered User with this user name and this password, totally and solely responsible for the acts that are carried out with and through this access to the services of the website.

It is an inexcusable obligation of the Registered User to immediately inform the managers of EXPERTBANK in writing via the e-mail address support@expertbank.financial of any fact which allows or may allow the misuse of the keys and / or passwords, including (but not limited to) theft, loss and the like. As long as these facts are not communicated in writing and in a reliable manner to EXPERTBANK in the terms indicated above, EXPERTBANK will be exempt from any liability that may result from an incorrect, fraudulent, culpable or malicious use of these keys and passwords. .

EXPERTBANK makes available to the User, via the Portal, products for sale, specific services, offers, promotions, etc.

USE OF THE SERVICE

To proceed with the subcontracting of products and / or access to the services directly offered on the Site, the User must first accept the confidentiality policy and the specific general conditions of sale which may apply.

RIGHT OF EXCLUSION

EXPERTBANK reserves the right to withdraw or refuse access to the Site, without notice, to Users who do not comply with these general conditions of use, or the specific conditions indicated in their case.

CONTRACT PROCESS

Operation and subcontracting process of products and / or access to website services:

If users who access the website and wish to register as customer users for the first time (“new customers”) are required to complete the account registration form to become a customer, as well as authenticate through the various alternatives offered by EXPERTBANK, electronically sign the contract for the provision of services for individuals from EXPERTBANK and, once the electronic signature process is completed, attach the additional documents necessary for registration, i.e. the document identity that applies (DNI is accepted, NIE or residence card), as well as as an accreditation document for work activities, if applicable.

If the Users having access to the Site were already Customers, they can access the private area of ​​the Site by authenticating themselves with their DNI / NIE (supporting document) and their access code. They will be able to consult their products there and carry out transactions or subscribe to new products from the EXPERTBANK catalog.

PRODUCTS AND / OR SERVICES

Recruitment and operational management on the following products:

Liability products: chequing accounts, savings accounts, payroll accounts and term deposits.
Asset products: mortgages, loans, overdraft protection.
Cards: debit, credit and prepaid cards.
Investments: We market third-party products such as investment funds, pension plans, insurance, stocks, ETFs (exchange-traded funds), warrants and futures.
Operational on the following services:

-Bank statements, third parties and supporting documents, including tax information.
-Scales and movements of any product.
-Personal informations.
-Keys.
-Quotation service related to brokers.
-Customer alerts and notifications service.

CONCERNING THE USE OF THE EXPERTBANK.FINANCIAL WEBSITE

In the event of accessibility failures, EXPERTBANK will take all actions aimed at correcting them, without however guaranteeing the absence of errors or the absolute and continuous availability of the Website, which may be affected by maintenance and repair work. improvement. EXPERTBANK expressly declines any responsibility in the event of errors or omissions in the information contained in the pages of this site.

EXPERTBANK, to the extent permitted by current legislation, is not responsible for any damage that users may suffer as a result of accessing or using the website, nor for any damage that may be caused to the equipment. user’s computer or stored files or data. in the same consequence of viruses or any type of malicious code (malware), as well as the inappropriate use of the user’s computer device or access with inappropriate tools to the Portal.

The User is fully responsible for his behavior when he accesses the information on the Website while browsing, as well as after having accessed it.

The User undertakes not to use any of the content made available to him by EXPERTBANK, whether or not prepared by EXPERTBANK, published or not under his official name, to carry out activities contrary to the law, good morals or the public order. People who access the Site must comply with applicable legislation, codes of ethics or conduct that may be subscribed to and general rules for using the site. In accordance with these, they will refrain from engaging in behavior which, by way of example and not exhaustive:

a) infringe, disparage or violate the fundamental rights and public freedoms recognized by the Constitution, in international treaties and in the rest of the legal system;

(b) induce, incite or promote actions that are criminal, degrading, defamatory, infamous, violent or, in general, contrary to the law, to generally accepted good morals and to good customs or to public order;

(c) induce, incite or promote discriminatory actions, attitudes or ideas based on sex, race, religion, creed, age or condition;

(d) incorporate messages that are criminal, violent, pornographic, degrading or, in general, contrary to the law, morals and good customs or generally accepted public order;

(e) induce or may induce an unacceptable state of anxiety or fear;

(f) induce or induce to engage in practices which are dangerous, risky or harmful to health and mental equilibrium;

(g) are false, ambiguous, inaccurate, exaggerated or untimely, so that they may mislead their purpose or the intentions or purposes of the communicator;

(h) are protected by intellectual or industrial property rights belonging to third parties, without the User having previously obtained from his owners the necessary authorization to carry out the use he makes or intends to make;

(i) violate the business secrets of third parties.

(j) are contrary to the right to honor, personal and family privacy or the image of persons.

(k) violate the regulations on the secrecy of communications.

(l) constitute illicit, misleading or unfair advertising and, in general, constitute unfair competition.

(m) cause, due to their characteristics (such as format, extension, etc.) difficulties in the normal functioning of the service or not comply with the technical requirements or specifications established for access to the website , or which in any way may damage, deactivate or deteriorate the website or its services or prevent normal enjoyment by other users. The User will be responsible for any damage that EXPERTBANK may suffer as a result of non-compliance with one of the obligations determined herein.

EXPERTBANK reserves the right to update the content when it deems it appropriate, as well as to eliminate, limit or prevent access to them, temporarily or permanently, as well as to refuse access to the website to users who abuse it. Content and / or violation of any of the conditions appearing in these Conditions of Use, without this in any way giving rise to a right of compensation or compensation for the User who is refused access.

LINKS

On this website, the user may find links to other websites controlled by third parties. EXPERTBANK does not have the power to control the content provided by other websites to which links are established from this portal. Therefore, EXPERTBANK does not assume any responsibility for any aspect related to such third party web pages which could be linked from them, nor does it guarantee that said links may be free of viruses or other elements that may cause damage to the computer systems or the user. files.

Any use of a link or access to a non-proprietary website is at the user’s own risk. EXPERTBANK does not recommend or guarantee any information obtained through or through a link, and is not responsible for any loss, claim or damage arising from the use or misuse of a link, or information obtained through it. here, including other links or websites. , interruption of service or access, or attempting to use or hijack a link, both when accessing the web and when accessing information from other websites from the web.

Likewise, it does not assume any responsibility for the content of the web pages of third parties that may direct links to or refer to this website that include opinions on the web www.expertbank.financial that may mislead users of said Web pages on EXPERTBANK Services.

INTELLECTUAL AND INDUSTRIAL PROPERTY

This entire website is subject to national, community and international copyright and intellectual property laws. The User recognizes and accepts that all brands, trade names or distinctive signs, as well as all industrial and intellectual property rights, on the content and / or any other element inserted in the web page, are the exclusive property of EXPERTBANK and / or third parties, with whom you have the exclusive right to use them in economic traffic. In any case, access to the Site does not imply any type of waiver, transmission, license or total or partial assignment of said rights, unless expressly stated otherwise. All reproduction rights are reserved, including iconographic and photographic representations.

APPLICABLE LAW AND JURISDICTION

These general conditions are governed by Spanish law and any controversy that may arise regarding the application, respect or interpretation of these conditions, would be resolved, by the express acceptance of both parties, in the courts and tribunals of the city from Paris.

MODIFICATIONS OF THE CURRENT GENERAL CONDITIONS

EXPERTBANK reserves the right to make any changes it deems necessary to the Portal as well as updates to the information it contains and the conditions of configuration, presentation and access, without notice.

Access to or use of the Website after updating these Terms of Use constitutes acceptance of the updated version thereof. Users who do not agree to these Terms of Service, or their subsequent updates, will not be able to access or use the website.

Your internet browser may generate a copy of this page in the cache so that when you access it again, the pages displayed by your browser are not the most recent ones but those stored in the cache. In order to avoid these problems, we recommend that you update the portal from your browser when you access EXPERTBANK.

DATA PROTECTION, PRIVACY POLICY AND COOKIES POLICY

These terms and conditions of use apply to your use of the website. By accessing and browsing the website, the user accepts that EXPERTBANK as data controller, collects, processes and uses their personal data to which we have access as a result of your use of the website, or that you, in as a user, provide, in accordance with our privacy policy and for the purpose of managing the proper functioning of the website and providing our products and services to you. Please read our privacy policy and cookies policy carefully in order to have more information on the personal data that will be collected and processed, as well as the purposes of such processing and the rights that you as an interested party correspond and how can, in your case, exercise them.