Legal notice

Legal information about CRÈDIT ANDORRÀ, SA

The owner of this website is CRÈDIT ANDORRÀ, SA, a trading company registered with the Companies Register of the Andorran Government under number 1673, Book B-1, Folio 70, on 26 November 1970, and having its registered office at Avenida de Meritxell, No. 80, Andorra la Vella, telephone number 88 88 and contact email: info@creditandorragroup.com.

Legal Terms & Conditions

This website and the information contained within it are provided for information purposes only and are intended as an introduction to the products and services provided by the bank. They do not constitute an offer or solicitation to buy any product and/or service. This website does not provide detailed or comprehensive information about our products and/or services, nor does it constitute an investment recommendation or legal or financial advice or give rise to any precontractual or contractual relationship.

CRÈDIT ANDORRÀ, SA provides its services pursuant to and in accordance with Andorran legislation in general, and more specifically with current banking and financial regulations. In particular, the bank provides its services in accordance with applicable legislation relating to banking and financial services and products under the supervision of the relevant regulators. Access to the website or certain services may be limited to certain persons by virtue of the regulations currently in force in certain jurisdictions.

Use of the website

Use of this website confers the status of website user on the Internet user, which implies full acceptance of these terms & conditions in the version published at the time of accessing the website. CRÈDIT ANDORRÀ, SA therefore recommends that the user read these terms & conditions carefully every time they access the website. Access to some of the contents offered through this website may be subject to specific conditions that may replace, supplement and/or amend these general terms & conditions, as the case may be. Therefore, before accessing and/or using such contents, the user should also read the relevant particular conditions carefully. CRÈDIT ANDORRÀ, SA may, at any time and without notice, alter the design, presentation and/or configuration of the website and any of its contents in whole or in part, or amend the general terms & conditions and/or the particular terms & conditions required to use the website and its contents.

The user undertakes to use the contents of this website in a proper, appropriate and lawful manner. In any event, the bank expressly states that the information contained within this website is not intended for users who act under jurisdictions that require compliance with specific regulations and requirements relating to the disclosure of information on financial and/or banking products and services, and the bank rejects all liability in this respect. The information contained within this website has not been prepared at the request of a particular investor, nor is it based on any particular financial situation. Some of the products described may not be appropriate for all investors and/or users.

Access to the website

As a general rule, users may access the website whenever they like and for free. Notwithstanding the foregoing, CRÈDIT ANDORRÀ, SA reserves the right, in accordance with current legislation, to limit access to certain sections of the website. In such cases, as a prerequisite to accessing the service, the user will be required to register by submitting all the requested information in an up-to-date and accurate form (see our privacy policy). The use of a password is personal and non-transferable. The user is not allowed to transfer the password to third parties, even temporarily. In this respect, the user undertakes to make proper use of and keep their password secret and accepts responsibility for any consequence that may arise from its disclosure to third parties.

Contents of the website

CRÈDIT ANDORRÀ, SA reserves the right to suspend access to its website and to stop providing any or all of the contents supplied through it at any time and without notice, whether for technical, security or maintenance reasons, or due to failures in power supply or for any other reason. Such suspension may be temporary or permanent. CRÈDIT ANDORRÀ, SA will notify the users of such circumstance. The user may lose the information stored within the website’s various services. Accordingly, CRÈDIT ANDORRÀ, SA cannot guarantee the reliability, availability or continuity of the website or web content, whether its own or from other websites that may be accessed via links, in such a manner that the use of such contents by the user will be at their own risk and the OWNER OF THE WEBSITE may not be held liable at any time in this regard. CRÈDIT ANDORRÀ, SA will not be held responsible for any damage, loss, claim or expenditure arising from the information obtained or accessed through the website, or for any computer virus, system failure, interruption in service or transmission, or Internet connection failure. It is not permitted to use this website to transmit or send any illegal or unlawful content, computer virus or message that generally affects or violates the rights of CRÈDIT ANDORRÀ, SA or third parties. In any event, CRÈDIT ANDORRÀ, SA undertakes to make all reasonable efforts to prevent any unlawful content from appearing on the website and, if it becomes aware of the existence of any such content, it will either delete it or prevent access to it. Notwithstanding the foregoing, CRÈDIT ANDORRÀ, SA cannot guarantee the lawfulness of the content supplied in the database provided by third-party suppliers, partners or users.

Industrial and intellectual property rights

The intellectual and industrial property rights in the website and the rights to exploit or copy the website or its pages, screens, the information it contains, its appearance and design, or the links from it to other websites, are the sole property of CRÈDIT ANDORRÀ, SA unless specified otherwise. The distinguishing signs (graphics and logotypes) that appear on the website, including the logotype of the bank or the entities within the bank’s group, are the sole property of the bank or the entities within its group. Any improper use of such signs by a person other than their lawful owner may be prosecuted in accordance with current legislation. Third-party intellectual property rights and trade marks are duly identified and must be observed by anyone accessing the website. Users may only download the contents or copy and print any page of this website for their personal and private use. It is forbidden to copy, transmit, amend or delete the information, contents or advertisements contained within this website without the prior written consent of CRÈDIT ANDORRÀ, SA.

In view of the above, CRÈDIT ANDORRÀ, SA, or the companies within its group, as applicable, have exclusive rights to copy, distribute, disclose or transform the aforementioned signs, as well as any other property right thereto, without prejudice to any moral rights that may pertain to the authors of such contents.

The user of this website undertakes to abide by the aforementioned rights and to avoid taking any action that could violate them. In any event, CRÈDIT ANDORRÀ, SA reserves the right to take any legal action available to it to defend its lawful intellectual and industrial property rights.

Applicable law and competent jurisdiction

These general terms & conditions are governed by Andorran legislation with express submission to the jurisdiction of Andorran courts.

Personal Data Protection

Who is responsible for processing your data?

Crèdit Andorrà is responsible for processing your data, with registered office at Avenida Meritxell, 80, AD500 Andorra la Vella, email: info@creditandorragroup.com, and telephone: +376 88 88 88.

Who is Crèdit Andorrà’s Data Protection Officer and how can he be contacted?
The Data Protection Officer is the person responsible for protecting the fundamental right to personal data protection at Crèdit Andorrà, and for complying with data protection regulations. You can contact the Data Protection Officer at the following email: dpo@creditandorragroup.com

What personal data do we process?

Crèdit Andorrà processes the personal data supplied voluntarily by the persons concerned, directly or through intermediaries, and any that is obtained by recording telephone conversations or as a result of browsing the web pages on the Internet or another medium, to develop the contract or consult, apply for or contract any service or product, even when the pre-contractual or contractual relationship has ended:

  • Identity data, such as name and surname, tax number, etc.
  • Contact details: home address, telephone, addresses (including postal and email addresses), etc.
  • Personal details, such as marital status, gender, date and place of birth, nationality, profession, etc.
  • Handwritten, digital and/or electronic signature.
  • Passwords, usernames, codes, etc. used in your relationship with us and on the various channels.
  • Data deriving from the commercial relationship.
  • Web browsing data on sites belonging to the Crèdit Andorrà Group or third parties with whom it has an agreement.

Why do we process your personal data?

Crèdit Andorrà processes the provided personal data for the following purposes:

  • To manage the products and services contracted with Crèdit Andorrà and/or fulfil the contract or pre-contract and any legal obligations.
  • To carry out statistical studies and calculations, surveys, analyses of market trends and quality control.
  • To process, monitor and update any request for information, business, pre-contractual or contractual relationship, from any of the entities within the Crèdit Andorrà Group.
  • To maintain and manage your relationship with the various entities in the Crèdit Andorrà Group, in an integral and centralised manner.

All collected data and the above-mentioned processing and purposes are necessary or are related to the proper maintenance, development and control of the contractual relationship.

Unless there is an objection, the accepted purposes include sending information and advertising, including by email, about offers, products, recommendations, services, promotional products and loyalty campaigns by Crèdit Andorrà and the different entities within the Crèdit Andorrà Group or any third-party entities with which the Crèdit Andorrà Group has signed collaboration agreements; the extraction and storing of data and marketing studies to adapt our commercial offers to your specific profile, irrespective of whether any transaction is formalised and, where applicable, after the existing contractual relationship has terminated.

In order to execute properly any contracts that you sign and be able to offer you products and services based on the information provided, we will produce different profiles based on your interests and needs and also the Crèdit Andorrà Group’s business strategy, so automated decisions may be made based on those profiles.

What is the legal basis for processing your personal data?

The legal basis for us to process your personal data is outlined below:
1. To fulfil a contract or manage the products and services that you have, you may request or you may contract with Crèdit Andorrà, in compliance with the legal obligations imposed by legislation, including the banking regulations on investment services or the prevention of money laundering and terrorism financing, among others, and also the current Regulations on personal data protection.

2. When you give us your consent: (i) to be offered products and services from Crèdit Andorrà, Crèdit Andorrà Group and third parties; (ii) for your data to be communicated to companies within the Crèdit Andorrà Group so that they can offer them; or (iii) to your information being used anonymously with no detail that could identify you, to carry out our own or third-party analyses and statistical studies.

3. Due to the legitimate interest of Crèdit Andorrà, so that we can meet your expectations better at Crèdit Andorrà and increase your level of satisfaction as a client by developing and improving the quality of our own or third-party products and services, and also carry out statistics, surveys or market studies that may be of interest. To do this, we need to use your information about your use of Crèdit Andorrà’s products, services and channels, anonymously, with no detail that could identify you.
Equally, due to the legitimate interest of Crèdit Andorrà, in order to be close to you, the customer, and be able to support you throughout out contractual relationship, we may contact you to convey our best wishes on certain special occasions.

These legitimate interests respect your rights to personal data protection, honour and personal and family privacy.

How long will Crèdit Andorrà keep your data?

Any personal data provided are kept for the specified period based on the following criteria: (i) legal retention period; (ii) duration of the contractual relationship and attention to any of the responsibilities deriving from that relationship; and (iii) a deletion request from the person concerned in the appropriate circumstances.

Who will your data be communicated to?
Crèdit Andorrà may communicate your data, solely for the purposes indicated in the section “Why do we process your personal data?” to other entities belonging to the Crèdit Andorrà Group (www.creditandorragroup.ad), subsidiaries and investees, Crèdit Andorrà Foundation, and third parties with which it signs collaboration agreements.
Equally, any entity belonging to the Crèdit Andorrà Group (www.creditandorragroup.ad), subsidiaries and investees, may communicate the personal data to any of the above-mentioned entities, in order to maintain integral, centralised management of the relationship of the persons concerned with the various entities in the Crèdit Andorrà Group and the persons concerned may have access to their data from any of them, always respecting applicable legislation on personal data protection and without the need for each first communication to be communicated to the persons concerned.
Within the framework of the communications described in the previous paragraph, international data transfers may be made to third countries or international organisations, in compliance with current data protection regulations.

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

On the terms and within the scope set out in current legislation, you have the right to:

  • Confirm whether we are processing personal data that concerns you or not, access them and any information relating to their processing.
  • Request that any inaccurate information be rectified.
  • Request that the data be deleted if, among other reasons, they are no longer needed for the purposes for which they were gathered, in which case we will stop processing the data except to make or defend any claims.
  • Request restricted processing of your data, in which case they may only be processed with your consent, unless they are kept and used to make or defend claims or to protect the rights of another natural or legal person or for reasons of major public interest of the European Union or a specific member State.
  • Object to the processing of your data, in which case we will stop processing the data, except to defend any claims.
  • Receive in a structured form that is in common use and machine-readable, any personal data that affects you which you provided to us, or request us to send them directly to another administrator if this is technically possible.
  • Withdraw authorised consent, where applicable, for the purpose included in the section “Why do we process your personal data?”, with no effect on the legality of the processing based on consent prior to withdrawal.

The above access, rectification, deletion, restriction, objection and transfer rights may be exercised directly by the owner of the data or through a legal or voluntary representative, by written communication addressed to l’Agència Andorrana de Protecció de Dades, Carrer Dr. Vilanova núm. 15, AD500 Andorra la Vella, Principat d'Andorra.

The person concerned may file a claim with the Agència Andorrana de Protecció de Dades, especially if he believes that he has not obtained satisfaction when exercising his rights, through the webpage set up for the purpose by the relevant Control Authority.