Legal notice

Fundación BBVA para las Microfinanzas (FMBBVA) is the entity operating the web page www.Progresomicrofinanzas.org (the “Website”). The Website includes the legal updates FMBBVA considers more important in the microfinance and corporate governance industry, as well as articles, documents and interviews to people of interest.

TERMS OF USE

The entire Website, i.e. the elements comprising it (texts, images, trademarks, logos, audio files, software files, color schemes), as well as the structure, selection and order of its contents, are protected by Intellectual and Industrial Property regulations and cannot be used, reproduced, distributed, modified, publicized, transferred, transformed or disclosed in any way without express authorization. Accessing this Website does not give users the right or any ownership of the industrial and/or intellectual property rights of the contents housed on this Website. FMBBVA reserves the right to take legal action against users that violate or breach industrial and/or intellectual property rights.

This website allows users to make comments about its contents.  FMBBVA reserves the right to edit those comments and revise them before publication.  FMBBVA reserves the right to leave unpublished, withdraw or delete all comments whose content it considers incorrect, imprecise or contrary to these Conditions of Use.

Notwithstanding the above, users may not post content on the website about religious beliefs or political ideas (including statements from political parties and religious organisations or their symbols). Nor may they include content that is antisocial, offensive to cultural or religious values, provocative, disrespectful, violent, obscene, sexual and/or groups that are socially inacceptable or illegal, as well as any other content which may damage the sensitivity of third parties, infringe fundamental rights and public liberties recognised under current legislation and/or those enshrined in law concerning consumer and user rights, the protection of minors, constituting or representing a violation of personal or family privacy in the case of natural persons, or in contravention of third parties’ right to honour or privacy of communication. Under all circumstances, the user will be the sole party responsible for opinions given in comments, as also for the veracity, accuracy and/or lawfulness of such comments.

The inclusion in the comments and opinions of contents and/or any other material subject to copyright is subject to the user in question having sufficient claim to the use of such content by said user and by other users, under the terms set out in this Conditions of Use document, and to the use of content involving no infringement of any legal provision, contract, right or ownership by third parties, nor in any way representing unfair competition.

In consequence, by virtue of including contents on the website, it will be understood that the user has the legal grounds to do so.

LIMITED LIABILITY

FMBBVA considers that the information contained on this Website, as well as in the documents that can be viewed from the site, is correct on its publication date; nevertheless, there is no guarantee of the accuracy, integrity, actuality, completeness or suitability of this information. Through the present document, FMBBVA waives all liability for any damage that takes place due to the use, error or omission of any part of this Website, to the degree permitted by law.

Without prejudice to the above, FMBBVA waives all liability derived from any date transmission error, such as data loss or ruin, their complete alteration, computer viruses, operating failures, including but not limited to damages related to usage of the services provided herein.

FMBBVA reserves the right to modify the contents of information on the Website or to interrupt, suspend or cancel access to it at any time, with immediate effects. This event will be considered as notified by publication of the modified information on this Website.

Third party opinions published in interviews or any other section of the webpage content do not necessarily represent the opinion of FMBBVA, which does not take liability for such opinions.

FMBBVA shall not be held liable either for the correctness, integrity, timely adaptation or suitability of the information that third parties include on the Website, or the information on any website to which there is access via a link on our Website. Under no circumstances shall these hyperlinks be considered a recommendation, sponsorship or dissemination by FMBBVA of the information, products and/or services or, in general, the contents owned by third parties and offered or disclosed by them in any way. Users will assume all risks derived from accessing these links and websites.

In no case shall FMBBVA be held liable for the losses or damages of any type that emerge due to accessing and using the Website, including, but not limited to, those that occur in computer systems or those caused by the entry of computer viruses and/or attacks.FM BBVA shall not be held liable either for the damages that users could suffer due to inadequate use of this Website and for any crashes, interruptions, absence or defects in telecommunications.

PERSONAL DATA PROTECTION POLICY

At FMBBVA we guarantee the protection of our customers’ data. The Website does not automatically register any data regarding the identity of visitors to its pages.

The personal data provided by users will be included in an FMBBVA´s electronic file, as processor. All of this information is handled with total confidentiality, and is used exclusively for the ends for which it was provided, within the framework of the Organic Law on Personal Data Protection and any other regulations that may apply.

The processing of personal data gathered for the distribution of this publication or other FMBBVA communications is regulated by Spanish law, specifically Ley Orgánica 15/1999, 13th December, on personal data protection (LOPD) and its implementing regulations. If you wish to exercise your right to access, modification, cancelation or opposition, as described in the LOPD, please notify us, attaching a copy of your ID, by regular mail addressed to the FMBBVA Legal Department at Paseo de Recoletos 10, 28001 Madrid or by e-mail to contacto@progresomicrofinanzas.org

APPLICABLE LEGISLATION

In all litigation matters that affect this Website or any conflicts centered on it, between users and FMBBVA, Spanish legislation will apply, and the Courts and Tribunals of the city of Madrid will be competent for resolving all disputes stemming from or related to the present Website.

GENERAL INFORMATION FOR THE PURPOSE OF LAW 34/2002, JULY 11

La Fundación BBVA para las Microfinanzas has its domicile at Paseo de Recoletos nº 10, 28001, Madrid, España. E-mail: info.microfinanzas@mfbbva.org

CIF:  G85088870

Registrations

La Fundación BBVA para las Microfinanzas is classified as a foundation for the purpose of general interest assistance and social inclusión, registered at Registro de Fundaciones Asistenciales de Competencia Estatal nº 28-1454

FMBBVA´s supervisor is  Protectorado de Fundaciones del Ministerio de Sanidad, Servicios Sociales e Igualdad.