OpenWealth, S.A.U. (hereinafter OpenWealth) is the owner of the website you have accessed.

The access to the website and to the information contained in it implies the acceptance of the general conditions foreseen in this Legal Notice. Therefore, you should carefully read its contents if you wish to access and make use of the information offered in the OpenWealth website.

Validity of the information

The information contained in these pages is valid on the date of its last update.

The present conditions are those in force as of the date of their last update. OpenWealth reserves the right to modify them at any time, in which case they will come into force as soon as they are published and will be applicable to all the website users from that date.

The contents of the website, in particular the information and advertising references, unless expressly stated otherwise, do not constitute a binding offer. OpenWealth reserves the right to modify or partially or totally omit the current contents whenever it deems it appropriate, as well as to prevent or restrict access temporarily or permanently.

OpenWealth may include third party contents and links to third party websites, always with the authorization of their owners, such as to social networks and other information. In none of these cases OpenWealth will be responsible for the third party sites and contents, as well as for the functioning and availability of the same.

Navigation and personalization

The simple navigation through OpenWealth’s website is free of charge and does not require the user’s previous registration. However, the access, contracting or use of some products or services may require the user to register. In such case, it shall be governed by its own specific conditions, without prejudice to the conditions set forth herein.

In some cases the user will be offered the possibility to customize the pages, including different wallpapers or to configure the access to their favorite products and services, making navigation and location of the resources used, efficient, functional and therefore adapted to the tastes and uses of each user.


This website is provided with the necessary security and quality certificates, seals or accreditations to offer a safe environment to users. However, we recommend you to consult and read carefully the Security Recommendations that OpenWealth makes available to all users on its website.

Privacy and Data Protection Policy

OpenWealth fully complies with the current legislation on personal data protection and with the confidentiality commitments inherent to the banking activity.

OpenWealth has adopted the necessary technical measures to maintain the required security level, according to the nature of the personal data processed and the circumstances of the processing, in order to avoid, as far as possible and always according to the state of the art, its alteration, loss, processing or unauthorized access.

When requested to complete a form in which personal data is collected, the customer or user will be informed of the recipient of the information, the purpose for which the data is collected, the identity and address of the person responsible for the file and the user’s right to exercise the rights of access, rectification, cancellation and opposition to the processing of their data. The personal data collected will only be treated and / or transferred for the expressed purpose, and always with the consent of the user or customer.

So that the information contained in our files is always updated and contains no errors, we ask our customers and users to inform us as soon as possible, modifications and corrections of their personal data. 

Cookies Policy

OpenWealth’s web page has cookies, which are small data files that are stored in the user’s or client’s computer and that can allow our systems to remember characteristics or preferences of the navigation in our web pages that can be used to personalize your access in successive visits, to make navigation safer, to gather statistical information about the navigation carried out, or to know user’s preferences.

OpenWealth’s cookies policy is subject to the European Community and Spanish regulations in force regarding the treatment of personal data and the protection of privacy in the electronic communications sector. According to this policy, OpenWealth will inform you about the cookies it uses on each of its websites (“Information about the cookies used”) and, when necessary, will ask for your consent to use them.

Intellectual and industrial property

The website, the pages it includes and the information or elements contained therein, include texts, documents, photographs, drawings, graphic representations, databases, computer programs, as well as logos, trademarks, commercial names, or other distinctive signs, protected by intellectual or industrial property rights, of which OpenWealth or the companies of its Group are holders or legitimate licensees.

OpenWealth does not grant any guarantee on the legality and legality of the information or elements contained in the OpenWealth web pages in case the ownership of the same does not correspond to OpenWealth or to the companies of its Group.

Prohibited and Permitted Uses

Any kind of exploitation, including any kind of reproduction, distribution, transfer to third parties, public communication and transformation, by means of any kind of support and media of the above mentioned works, creations and distinctive signs without previous and express authorization of their respective owners is forbidden. Failure to comply with this prohibition may constitute an infringement punishable by law.

Nevertheless, at his own risk, the user may download or make copies of such elements exclusively for his personal use, provided that he does not infringe any of OpenWealth’s intellectual or industrial property rights. In particular, the user may not alter, modify or delete them in whole or in part. In no event shall this constitute an authorization or license to the property rights of OpenWealth or its Group companies.

It is forbidden, except when expressly authorized by OpenWealth, to establish links or hyperlinks from websites of third parties to OpenWealth web pages different from the main page of its websitel, as well as to present OpenWealth web pages or the information contained therein under frames or frames, distinctive signs, trademarks or social or commercial denominations of another person, company or entity.

Financial and stock market information

The OpenWealth website does not provide any kind of investment recommendation, nor legal, fiscal or any other kind of advice. The information is of general scope and in no case takes into account specific or particular criteria or objectives of investment or financial situation. Therefore, the information contained herein should not be used for investment or decision making purposes.

In the case of traded securities, any decision to subscribe, buy or sell must be taken taking into account the public information.

The contents of the web pages do not constitute an offer to sell shares in the United States of America. Shares may not be offered, sold or subscribed for in the United States of America in the absence of registration or an exemption from registration under the US Securities Act of 1933.


OpenWealth does not guarantee the continuous access, nor the correct visualization, downloading or utility of the elements and information contained in the OpenWealth web pages, which may be impeded, hindered or interrupted by factors or circumstances beyond its control.

OpenWealth is not responsible for the information and other contents integrated in spaces or web pages of third parties accessible from the OpenWealth web pages through links or hyperlinks, nor for the information and other contents integrated in spaces or web pages of third parties from which the OpenWealth website or any of its web pages are accessed through links or hyperlinks, nor for the information and contents of any web page of third parties presented under the appearance or distinctive signs of OpenWealth, unless expressly authorized by OpenWealth.

OpenWealth and its information providers as third parties do not assume any responsibility whatsoever in relation to the information, contents of any kind, products and services offered or rendered through OpenWealth’s web pages by third parties or entities, even if they belong to the same economic Group, and, in particular, for the damages of any kind that, linked to the above, may occur due to: (i) absence or deficiencies in the information provided to users or in its truthfulness, accuracy and sufficiency; (ii) breach or defective or unpunctual performance of contracts or pre-contractual relations; (iii) breach of the obligations incumbent on information society service providers; (iv) infringement of the rights of consumers and users; (v) infringement of intellectual and industrial property rights; (v) infringement of intellectual and industrial property rights; (vi) acts of unfair competition or unlawful advertising; (vii) infringement of data protection rights, professional secrecy and the rights to honor, personal and family privacy and personal image; (viii) in general, non-compliance with any applicable laws, customs or codes of conduct; and (viii) any decision taken in reliance on the information provided through the OpenWealth website.

Neither OpenWealth nor the information providers as third parties shall be liable for any damages, losses, claims or expenses arising from: (i) interferences, interruptions, failures, omissions, telephone breakdowns, delays, blockages or disconnections in the operation of the electronic system, caused by deficiencies, overloads and errors in the telecommunication lines and networks, or by any other cause beyond OpenWealth’s control; (ii) illegitimate intromissions through the use of malicious programs of any kind and through any means of communication, such as computer viruses or any other means; (iii) improper or inadequate use of OpenWealth’s web pages; (iv) security or navigation errors caused by a malfunction of the browser or by the use of non-updated versions of the same.

Applicable Legislation

These general terms and conditions shall be governed by Spanish law.