Legal Warning

This legal notice contains the general conditions governing the access and use of the website (hereinafter “the WEBSITE”), owned by the ASSOCIATION OF ANDORRAN BANKS, an association under Andorran law with registered office at Carrer Ciutat de Consuegra, 16, Edifici l’Illa, escala A, 2nd floor, CP AD500, Andorra la Vella, Principality of Andorra (hereinafter, “ANDORRAN BANKING”). Access to the WEB is free and its viewing does not require any prior registration or subscription. Through the WEB, general information about our services is provided.


ANDORRAN BANKING is not responsible for any damages produced or that may be produced, of any nature, that arise from the use of the information, the content of the WEBSITE and the programs it incorporates, and that may cause, by way of example but not limited to: errors or omissions in the contents, lack of availability of the WEBSITE or the transmission of viruses or malicious or harmful programs in the contents, despite having adopted all the technological measures to avoid them.

The information contained in the WEBSITE is in force on the date of the last update, and ANDORRAN BANKING does not guarantee the absence of errors in accessing the WEBSITE or in the content, but will adopt the appropriate measures to avoid them, correct them and/or update them as soon as these are detected.

ANDORRAN BANKING reserves the right to modify and update the information on the WEBSITE, its presentation and configuration and the conditions of access without prior notice and at any time. Likewise, ANDORRAN BANKING reserves the right to modify and/or totally or partially remove the contents of the WEB and restrict access to it.

In the event that maintenance, repair, updating or improvement of services are carried out, ANDORRAN BANKING reserves the right to temporarily suspend access to the WEBSITE without prior notice, as well as the right to provide or cancel services, without prejudice to trying to inform users, provided that the circumstances allow it.

The use of this WEBSITE and the information provided is the responsibility of the user. No third party may establish a framing relationship between their web pages and the WEBSITE. Likewise, ANDORRAN BANKING is not responsible for the content of third parties that can be accessed through the links contained in the WEBSITE.


The WEBSITE may contain links to external websites which are made available to the user for the sole purpose of facilitating access to the contents, products or services that may be of interest to them and that ANDORRAN BANKING does not manage or control at any time. The inclusion of links to third-party portals does not imply in any case a link between ANDORRAN BANKING and the owners of the linked portals.

ANDORRAN BANKING does not assume any type of direct or indirect for the legality, truthfulness, usefulness, quality or reliability of the services and contents owned by third parties, or that they manage or control, even if they can be accessed through the WEBSITE.

For all legal purposes, it is understood that any contractual or extra-contractual relationship that the user carries out with third parties contacted through the WEBSITE is carried out solely and exclusively between the user and third parties.

The user accepts that ANDORRAN BANKING is not responsible for any damage or harm of any nature caused resulting from the negotiations, conversations or contractual or extra-contractual relations between the user and third parties contacted through the WEBSITE.

The user must be aware of the indications, notices or legal notices that third-party portals may establish for their use.


The user is responsible for compliance with the laws and regulations in force and the rules applicable to the use made of products and applications.

Nevertheless, any use of the WEBSITE that is contrary to good faith is prohibited, in particular but not limited to: any use contrary to Andorran regulations or that infringes the rights of third parties; the publication or transmission of any content that is violent, obscene, abusive, illegal, racial, xenophobic or defamatory; altering or intervening by fraudulent means in personal web sites or e-mail addresses or systems of other users or third parties without their authorisation; cracks, programme serial numbers or any other content that infringes the intellectual property rights of third parties; the collection and/or use of personal data of other users without their express consent or that contravenes the provisions of the Law 29/2021, of 28 October, qualified on the protection of personal data.; the use of the email server, domain and email addresses for unintended email purposes, email bombing, identity theft, fraud under the custody of third parties, spreading of viruses (trojans, etc. ) or any other type of activity carried out with fraudulent or criminal intent.

It is expressly forbidden to access, modify, display the settings, structure and files of the web servers. In the event that any problem may occur in the servers and security systems of the WEBSITE as a direct consequence of negligence on the part of the user, the latter will be liable for the corresponding civil and criminal liability. The user will respect the technical standards provided by the WEBSITE in the administration and development of the products used in such a way that there is no abusive use that delays the servers and prejudices the provision of the products or rights of other users.


In compliance with the requirements of Law 29/2021, of 28 October, qualified on the protection of personal data (hereinafter, “LQDP”), and with the regulations that develop it, the users of this WEBSITE are informed that any personal data provided to ANDORRAN BANKING will be treated by it for the purposes and conditions defined in our privacy policy.

The person in charge of the file is ANDORRAN BANKING as the party responsible for the treatment, with registered office at Carrer Ciutat de Consuegra, 16, Edifici l’Illa, escala A, 2nd floor, CP AD500, Andorra la Vella, Principality of Andorra and its Data Protection Delegate is DPD ABA. The data collected here will be processed for the purposes set out in our privacy policy.

In compliance with the LQPD, and its development regulations, ANDORRAN BANKING informs you that you are entitled to the rights of access, rectification, deletion, opposition, portability and limitation of treatment recognized in the aforementioned regulations.

We inform you that this website collects cookies. You will find an exhaustive explanation of these in the following link:

For more information on how we will process personal data, please see the following link:

All the contents that appear on the WEBSITE, without limitation (photographs, music, sounds, animations, programming, texts, domain names, trademarks, information and content compiled from the entire WEBSITE, etc.), as well as the structure, graphic design and source code are the property of ANDORRAN BANKING or, if applicable, of third parties that have ceded their use rights to them, and which the user of this WEBSITE site must respect, and which are therefore protected by intellectual property regulations.

Total or partial acts of reproduction, publication, computer processing, distribution, dissemination, transformation, compilation, modification, distribution or public communication of the WEB may not be carried out without the prior written consent of ANDORRAN BANKING.

Access by the user to the contents and services of the WEBSITE does not imply any right with regard to their transmission, cession, use, alteration, exploitation, reproduction, distribution or public communication, subject to intellectual property, without the prior and express authorization specifically granted for this purpose by ANDORRAN BANKING or the third party holder of the rights, if applicable.

Users of the WEBSITE may only make private and personal use of its contents, which means that they will only have the right to view and make copies of the contents for their own personal and exclusive use and they must apply these rights on the basis of the principles of good faith and the applicable regulations.

It is absolutely forbidden to use the WEB or any of its elements for commercial or illegal purposes. The unauthorised use of the information contained in this WEBSITE, as well as the damage caused to intellectual property rights, may give rise to the exercise of the relevant legal actions and, if appropriate, to the liabilities derived from this exercise.


ANDORRAN BANKING undertakes not to conduct misleading advertising. In this sense, formal or numerical errors that may be found in the content of the different sections of the WEBSITE as a result of the maintenance and/or incomplete or defective updating of the information contained in these sections of the WEBSITE as a consequence of what is mentioned in this section will not be considered to be misleading advertising, ANDORRAN BANKING undertakes to correct this situation as soon as it becomes aware of the aforementioned errors.


The use of the WEBSITE implies express and full acceptance of these general conditions and of each and every one of the provisions included in this legal notice in the version published at the time the user accesses this notice (except for the privacy policy, which must be expressly accepted). Consequently, it is recommended that users read this legal notice every time they access the WEBSITE, as modifications may be made to the general conditions, without prejudice to the particular conditions that may apply to certain specific WEBSITE services.


These conditions of access and use are subject to Andorran legislation and the jurisdiction of its courts.