I. Information and contents on the website
This disclaimer sets out the general terms and conditions that govern the access to and use of the website at https://www.morabanc.ad/ (hereinafter, the “Website”), whose copyright holder and owner is MORA BANC GRUP, SA with registered address at Avinguda Meritxell, 96, AD500 – Andorra la Vella, and that is filed with the Companies Registry of the Principality of Andorra under number 1828 (hereinafter, “MoraBanc” or the “Company”).
You may contact us by calling +(376) 884884 or writing an email to email@example.com.
On the Website, MoraBanc posts information related to the type of business conducted, and the products and services provided by the bank Mora Banc Grup SA, in addition to those of its subsidiary undertakings and investee companies through their respective members of staff (hereinafter, all shall be referred to as the “MoraBanc Group”).
The content found herein is for information purposes only and by no means constitutes a binding proposal intended to oblige the user to take out the Company’s products or services.
The information included on this Website does not constitute advice on investment or banking matters, as it is not based on a broad objective analysis of the banking services available in the market, nor does it take into consideration the user’s personal or financial circumstances, or her/his preferences or objectives. It likewise does not constitute any kind of advice on legal or tax matters.
II. Intellectual and industrial property rights
The user hereby acknowledges and accepts that all intellectual and industrial property rights on the contents and/or any other items placed on the Website (including, but not limited to, trademarks, logos, trade names, texts, images, graphics, designs, sounds, databases, software, flowcharts, presentations, podcasts, articles, contents, overviews, highlighted quotations, audio materials, videos, and its look and feel) belong to the MoraBanc Group and/or third parties. Under no circumstances does access to the Website imply any waiver, transfer or assignment in full or in part of the aforementioned rights. This Website Disclaimer does not grant users any other right of use, modification, exploitation, reproduction, distribution or public disclosure of the Website and/or its contents, other than those specifically provided for herein. Any other use or exploitation of any right shall be subject to the prior, express authorisation to do so, specifically granted for this purpose by the MoraBanc Group or the third-party holder of the rights affected.
MoraBanc authorises the users to use, view, print, download and store the contents and items posted on the Website for their sole personal, private and not-for-profit use, provided, in any event, that the source and author are quoted and, if applicable, that the copyright symbol of the holders are displayed. It is strictly prohibited to use these items, reproduce, disclose or distribute them, as well as to modify, change or decompile them for business or profit-making purposes, or others that are not of a personal nature. For any uses other than those specifically permitted, the prior written consent of the copyright holder in question must be obtained.
III. Terms and conditions of use of the Website
Browsing the Website confers upon the visitor user status, which implies the full, unreserved acceptance of all of the provisions set forth in this Disclaimer.
MoraBanc reserves the right to update, modify or delete the information posted on this Website, whereby it may restrict or not allow access to this information on a temporary or definitive basis without prior warning, particularly if technical problems arise due to events or circumstances beyond MoraBanc’s control that, in its opinion, reduces or overrides the levels of security standards adopted for the Website to work properly.
MoraBanc declines all liability arising from the misuse of the contents.
The information contained on this Website is valid on the date of its last update and must be considered by the user as a guideline only in respect of the products, services and other additional information on it.
The user may check the date of the last update of any information by asking for it using the email box made available on the Website.
MoraBanc accepts no liability whatsoever for any potential discrepancies that may arise between the hard and soft copies of the documents posed on this Website.
Furthermore, it may not be held liable for any damages arising from difficulties in accessing the Website, including those caused by malware or cyberattacks, nor for those resulting from telecommunications outages, interruptions, shutdowns or failures.
MoraBanc declines liability for any information not contained on the Website and, therefore, that has not be drawn up by the Company or posted by it. To this regard, it specifically declines any liability for the information contained on third-party websites that have links to the MoraBanc Website.
IV. Personal data protection
MoraBanc is committed to the non-disclosure of its user’s personal data and fully complies with the regulations in force on personal data protection. To this regard, you are hereby informed that the data controller of the users’ personal data is MORA BANC GRUP, SA with registered address at Avinguda Meritxell, 96, AD500 – Andorra la Vella.
MoraBanc has a Data Protection Officer who is the person responsible for supervising compliance with all personal data protection matters, to whom you may write an email at any time to ask any questions related to personal data protection at firstname.lastname@example.org.
Should you wish to find out about MoraBanc’s processing of its customers’ personal data, you may access the MoraBanc Customer Data Protection Policy.
In any event, you may exercise your rights of data access, rectification, deletion, objection, restriction and portability at any time free of charge by writing an email to email@example.com or a letter to the postal address shown in the first section herein, in which case you must prove your identity and specify the right you wish to exercise.
You are hereby informed that we use third-party cookies to enhance your website browsing experience, draw up statistical information and track your browsing habits for advertising purposes.
Should you require further details about the cookies that we use, their purpose and other useful information, please see our Cookies Policy.
VI. Legal actions in the event of breach
MoraBanc reserves to take any legal action that it may deem fit to seek damages arising from a breach of any of the provisions in this Disclaimer.
Should any of these general terms and conditions be declared null and void or invalid, this shall not affect the validity or enforcement of the rest of them, which shall continue to be binding on the parties. The waiver by either of the parties at any given time to enforce the performance of any of the general terms and conditions set forth herein shall not imply a general waiver of the performance of any other term or condition, nor shall it give rise to a vested right to the other party.
VIII. Jurisdiction and governing law
Any transactions conducted with MoraBanc are subject to the jurisdiction and laws of Andorra, and any international agreements signed. Any disputes or lawsuits shall be subject to the courts of the Principality of Andorra.