TERMS AND CONDITIONS OF THE ‘BBVA EVENTS’ WEBSITE

GENERAL INFORMATION
Banco Bilbao Vizcaya Argentaria S.A. (‘BBVA’) with registered office at Plaza de San Nicolás 4, 48005, Bilbao (Vizcaya); contact email: contact.spark@bbvaspark.com Registered in the Mercantile Register of Vizcaya, Volume 2083, Folio 1, Page BI-17-A, 1st entry.

ADMINISTRATIVE AUTHORISATION AND SUPERIOR BODY
BBVA is a bank subject to the supervision of the Bank of Spain and is registered in the Bank of Spain's Administrative Register under number 0182. Tax Identification Number: CIF A-48265169.

TERMS AND CONDITIONS
1. What is the purpose of these terms and conditions?

1.1 These terms and conditions (the ‘Terms and Conditions’) constitute a contract between BBVA and each User (as this term is defined in section 3.1) and regulate their registration, access and use of the private area of the ‘BBVA EVENTS’ website www.bbvaeventos.com (the ‘Website’).

1.2 Acceptance of the Terms and Conditions by the User as indicated in this document implies that the User accepts the incorporation of the Processing of Personal Data, as well as the General Contracting Conditions to this contract, in accordance with the Law on General Contracting Conditions which will be applied in all matters not regulated herein.

2. What does the website consist of?

2.1 The Website is a digital environment that allows Users to register for events organised by BBVA, individually or in collaboration with other entities (the ‘Event(s)’), which allows Users to register for and participate in events organised by BBVA, both in person and virtually. Prior registration is required to participate in such Events.

2.2 Users also have at their disposal the mobile application ‘BBVA SPARK SUMMIT’ (the ‘Application’) which requires registration and whose use is subject to the Terms and Conditions attached in the Annex to this document.

3. Who can have the status of ‘User’?
Those natural persons who are interested in BBVA events and activities and who expressly accept the Terms and Conditions may access, register and have the status of Users of the Website (the ‘User(s)’). Upon registration, Users may access the Website and enjoy the functionalities available at any given time (the ‘Functionality/s’).

4. What steps do I have to take to access the Website?

4.1. Users may access the Website free of charge through the link available in the various means provided for registering for each of the Events (e.g. e-mails, web notifications, etc.). It is essential to fill in the form provided, read and accept these Terms and Conditions, as well as the Terms and Conditions of the Website which can be consulted here and which will also apply to the use of the private area of the Website. In the event of contradiction between one document and the other, the provisions of this document shall prevail.

4.2. After verifying the information and completing the registration, the User will receive confirmation of successful registration. The User is recommended to protect his/her account with a password that is difficult to crack. The User undertakes to make diligent use of the access codes and to keep them secret, being responsible for any damage resulting from misuse of his/her password. Likewise, in the event of detecting knowledge and/or improper use of the access codes, the User must notify BBVA of this circumstance via the following e-mail address: contact.spark@bbvaspark.com

5. What functionalities does the website have?

5.1. Users may access the Functionalities that are available at any given time on the Website, among others:

(a) Edit the User's profile. The changes made are reflected both on the Website and on the Application, except for the privacy settings of the profile, which can only be modified on the Website.
(b) Users may register as attendees or speakers at events, accepting the specific Terms and Conditions of each event.
(c) Access the agenda of each Event (including schedules and names of speakers), as well as the venue of the Event.
(d) Manage the Events in which the User has registered: follow up on them, view upcoming and past Events, as well as unsubscribe from them.
(e) ‘One to One’: Allows attendees to contact other attendees with a public profile to arrange meetings during the Event.

6. Who owns the Website?

6.1. BBVA is the owner and/or legitimate licensee of the intellectual and industrial property rights over the Website and the elements it contains from time to time, including materials, trademarks, content layout, computer programs and sui generis rights over the underlying databases (including source and object codes), graphic design and User interface (look & feel), as well as the different elements that make up the application (texts, graphics, photographs, videos, recordings, etc.) (the ‘Content’).

6.2. Access to the Site does not grant rights over these contents to Users, and BBVA maintains the right to take legal action in the event of any infringement of the rights it holds.

7. What are the obligations and responsibilities arising from the use of the Website?

7.1. The User undertakes to use the Website in accordance with the following:

(a) To make good use of the Website in accordance with current legislation, good faith and public order.
(b) Not to damage or render useless the equipment or computer systems of BBVA or third parties. Likewise, you undertake not to prevent access to or normal use of the content included on the Website.
(c) You will not annoy, intimidate or harass any other User.
(d) You will not use the Website for fraudulent purposes, or to carry out unlawful, misleading, malicious or discriminatory acts. You will not take any action that could disable, overburden or impair the proper functioning or appearance of the Website.

7.2. The User undertakes to follow the Security recommendations drawn up by BBVA and accessible here.

7.3. Each party to this contract shall be liable to the other for damages arising from breaches of obligations under these Terms and Conditions unless based on force majeure or unforeseeable circumstances.

7.4. The User shall be held liable for any damages that may be caused in the following cases:

(a) When he/she does not use the Website in accordance with the conditions set out in this document. In the event of breach by the User of any of the provisions set out in these Terms and Conditions, BBVA may restrict and/or deny access to the Website.
(b) When the access codes are misused by a third party, and the User has not notified BBVA of such unauthorised use without undue delay as soon as it becomes aware of it or suspects that such use has occurred.

7.5. BBVA is not responsible for the truthfulness, completeness or updating of information that is not of its own creation and for which another source is indicated, nor for that contained in other websites or applications by means of hyperlink or link from the Website, provided to the User as alternative sources of information.

8. How can a User unsubscribe from the Website?

8.1. The User may unsubscribe from the Website in writing (this will automatically lead to unsubscription from the Application) by sending an e-mail to BBVA at the following address: contact.spark@bbvaspark.com

9. Are there any reservations of rights?

9.1. BBVA reserves the right to modify, partially or totally, these Terms and Conditions, as well as to include new ones. The new Terms and Conditions will be shown to the User of the Website through the same, and the User must accept them when accessing the Website. Once the new terms and conditions have been accepted, the User will be able to access the Website's Functionalities.

9.2. BBVA may also limit access to the Site in the event of technical problems affecting security. BBVA may also use and share any suggestions or ideas provided by Users without this implying any compensation or intellectual property rights for the User.

10. What data can I include in my profile? Is my profile private or public?

10.1. The inclusion by the User of information on the Website, including in particular in his/her profile is subject to the following conditions:
Only professional data and information that the User is legally entitled to share may be included in the profile, excluding any sensitive or copyrighted content.
Contact details and other professional details will be automatically filled in on event registration forms based on the profile information, but may be modified by the User during the event registration process.
BBVA is not responsible for the content that Users include in their profiles or for the use that others may make of this information.

10.2. The User's profile will be ‘public’ by default, i.e. part of it will be visible to other Users of the Website and the Application attending the Event in which the User has registered. However, the User may set his/her profile to ‘private’ to prevent his/her information from being displayed.

10.3. All the information and profile settings that the User has determined on the Website will be automatically uploaded to the Application, and vice versa (except for changing the profile settings as public or private, which can only be done from the Website and not from the Application).

11. What does acceptance of these Terms and Conditions imply? Can this contract be terminated?

By accepting these Terms and Conditions, the User legally agrees to be bound by them. BBVA may terminate this contract with one month's notice. The User may also terminate the contract at any time by unsubscribing from the Website and the Application by notifying BBVA via email at the following address: contact.spark@bbvaspark.com

12. Are there any other relevant aspects I should be aware of?

If any provision of these Terms and Conditions is declared invalid, it will be withdrawn or replaced without affecting the validity of the remaining provisions. Users should report any violation of the Terms and Conditions to BBVA at the following address: contact.spark@bbvaspark.com

13. What is the law applicable to these Terms and Conditions?

This contract shall be governed by Spanish law, and the Courts and Tribunals of the city of Madrid shall have jurisdiction for the resolution of all disputes arising from or related to this Website.

TERMS AND CONDITIONS OF USE OF THE “BBVA SPARK SUMMIT” APP

GENERAL INFORMATION

Banco Bilbao Vizcaya Argentaria S.A. (hereinafter, ‘BBVA’) with registered office at Plaza de San Nicolás 4, 48005, Bilbao (Vizcaya); contact email: contact.spark@bbvaspark.com
Registered in the Mercantile Register of Vizcaya, Volume 2083, Folio 1, Page BI-17-A, 1st entry.

ADMINISTRATIVE AUTHORISATION AND SUPERIOR BODY

BBVA is a bank subject to the supervision of the Bank of Spain and is registered in the Bank of Spain's Administrative Register under number 0182. Tax Identification Number: CIF A-48265169.

TERMS AND CONDITIONS OF THE APPLICATION

1.- Purpose of these Terms and Conditions

1.1. These Terms and Conditions (the ‘Terms and Conditions’) constitute a contract between BBVA and the User (as defined below) and regulate the download and use of the computer application ‘BBVA SPARK SUMMIT’ (the ‘Application’ and/or the ‘Software’) by the ‘User’, who is the natural person duly registered in advance on the website ‘BBVA Eventos’ www.bbvaeventos.com (the ‘Website’) and who downloads the Application to his/her smartphone, tablet, connected television or any other device compatible with the Application (the ‘Device(s)’).

1.2. The Application is a digital environment created so that the User can manage the BBVA event called ‘BBVA SPARK SUMMIT’ in which he/she has registered through the Website (the ‘Event’), monitor the same, as well as enjoy other functionalities related to the Event, under the terms described herein.

1.3. Acceptance of the Terms and Conditions by the User as indicated in this document implies that the User accepts the incorporation of the General Terms and Conditions of Business into this contract, in accordance with Law 7/1998, of 13 April, on General Terms and Conditions of Business, which shall apply to all matters not regulated herein.

1.4. BBVA is the legitimate owner and/or licensee of the intellectual and industrial property rights over the Application and the elements it contains from time to time, including materials, articles, news, brands, content layout, computer programs and sui generis rights over the underlying databases (including source and object codes), the graphic design and User interface (look & feel), as well as the different elements that make up the Application (texts, graphics, photographs, videos, recordings, etc.) (the ‘Content’).

1.5. Access to the Website does not grant rights over these contents to Users, and BBVA maintains the right to take legal action in the event of any infringement of the rights it holds.

1.6. The Application, once downloaded, will allow the User to access and use the functionalities that BBVA has available at that time (hereinafter, the ‘Functionality/s’). The Application allows Users to manage their participation in BBVA events, edit their profile, access the event's agenda, view information about the speakers, consult public profiles of other attendees, and use the ‘One to One’ functionality to arrange meetings. All modifications to the User's profile will be reflected both in the application and on the website.

2.- Downloading of the Application and acceptance of these Terms and Conditions

2.1. The Application may be downloaded through the store provided by the company that manufactures the Device or the application distribution company (the ‘Manufacturer’ or the ‘Distributor’) for this purpose. By downloading the Application, the User agrees to comply with the Terms and Conditions previously accepted when registering on the Website.

2.2. Conditions for downloading the Application from the corresponding store, and use of the same on the Devices of the Manufacturer in question:

These Terms and Conditions are solely and exclusively between the User and BBVA, and not with the Manufacturer or Distributor. The Manufacturer or Distributor shall not be responsible for the Software or its contents.
The licence granted under these Terms and Conditions is limited to a non-transferable licence to use the Application on a Device owned or controlled by the User.
In the event of claims by third parties for infringement of intellectual and/or industrial property rights in the Application and/or the use of the Application by the User, BBVA, and not the Manufacturer or Distributor, shall be solely responsible for the investigation, defence, settlement and enforcement of such claims.
The company name and contact details of BBVA to which the User may address any questions and/or complaints regarding the Application are: Banco Bilbao Vizcaya Argentaria, S.A., C.I.F. A-48265169 and e-mail address: contact.spark@bbvaspark.com.

3.- Software Licence Conditions

3.1. The download of the Application and access to its functionalities are free of charge. However, connection and browsing costs will be billed by the User's operator according to the contracted tariff. BBVA reserves the right to charge for certain functionalities in the future, which will be communicated to the User in a timely manner.

3.2. By accepting the Terms and Conditions, the User receives a free, personal, non-transferable, limited and non-exclusive licence to use the Software. This licence allows the User to access the home page and the functionalities available in the Application.

3.3. The licence described above exclusively comprises the User's right to reproduce the Software in whole or in part, exclusively by using, downloading, executing and displaying it on one or more devices. Use of the Software for unauthorised purposes is expressly prohibited and constitutes an infringement of BBVA's intellectual and industrial property rights. Furthermore, the User's device must be compatible with the Software in order to use the Application and access its Functionalities.

3.4. Each party shall be liable to the other for damages arising from breaches of the obligations assumed in these Terms and Conditions, except in cases of force majeure or unforeseeable circumstances.

3.5. BBVA does not guarantee the veracity, integrity or updating of third party information accessible through the Application, and shall not be liable for any damages that may arise from its use.

3.6. The User of the Application undertakes to use the Application in accordance with the following provisions:

(a) He/she undertakes to make good use of the Application, good use being understood to be that which is in accordance with current legislation, good faith and public order.
(b) You undertake not to damage or render useless the equipment or computer systems of BBVA or third parties. Likewise, the User undertakes not to prevent access to or normal use of the contents incorporated in the Application.
(c) You will not annoy, intimidate or harass any other User of the Application.
(d) You will not use the Application for unlawful, misleading, malicious or discriminatory acts.
(e) You will not take any action that could disable, overburden or impair the proper functioning or appearance of the Application.

3.7. The User undertakes to follow the security recommendations drawn up by BBVA and accessible here.

4.- Reservation of rights

BBVA reserves the right to modify the Terms and Conditions and to include new terms. These changes will be communicated to the user through the Application, and it will be necessary to accept them in order to continue accessing the functionalities. BBVA also reserves the right to update, modify or delete the information contained in the Application without prior notice, and to limit or restrict access to the Application in the event of technical or security difficulties.

5.- Privacy

5.1. The data included in the User's profile, the privacy settings of their profile, as well as, where applicable, the photograph they have included in their profile on the Website, will be shown by default in the User's profile on the Application.

5.2. The User may complete their profile on the Application, at any time, always with professional information relating to their person. In any case, the inclusion by the User of information in the Application, including in particular in his/her profile, is subject to the following conditions:

a) Content referring to sensitive information may not be included in the Application.
b) The inclusion by Users of content subject to dissemination or reproduction rights is conditional upon the corresponding User having sufficient legitimacy for the content to be used both by him or herself and by BBVA and the other Users, as well as for such use not to violate any legal provision, contract, right or property of third parties, or in any way constitute unfair competition. Consequently, by including any of the aforementioned content, it shall be understood that the User who includes it has the aforementioned legitimacy.
c) The User is solely responsible for the content included in his/her profile and for the consequences of its use or disclosure.
d) BBVA is not responsible for the actions of the Users that may give rise to liability or for the content or opinions that they include in the Application, and the Users are solely responsible for the use they make of the Application and the content included therein.

5.3. The option to configure the profile as private can only be done through the Website, and this configuration will be reflected in the Application.
5.4. Information such as name, surname, company, position and, where applicable, photograph and links to professional social networks will be used to identify the user at events, both on the Website and on the Application. In addition, all profile information and settings set on the Application or the Website will be automatically synchronised between the two platforms, with the exception of profile privacy settings, which can only be adjusted through the Website. Users may only add links to specific professional social media profiles, excluding personal profiles.

6.- Acceptance of Terms and Conditions, User's liability and termination of contract

6.1. These Terms and Conditions shall be binding from the moment of acceptance by the User, in accordance with the provisions of paragraph 2.

6.2. The User shall be liable in the following cases:

a) The User is responsible for using the Application in accordance with the conditions stipulated herein, including adequate protection of the Device.
b) If the Device or keys are misused by third parties, the User must notify BBVA without undue delay after becoming aware or suspecting such use.

6.3. BBVA shall not be liable when errors or failures occur in the use of the Application by the User as a result of a malfunction of the Manufacturer's hardware, software, devices or terminals, not provided by BBVA.

6.4. Without prejudice to the provisions of other sections of this document, BBVA may terminate this agreement at any time with one (1) month's notice, which implies the cancellation of the licence granted for the use of the Application. The User may terminate the agreement at any time by uninstalling the Software, although this does not automatically terminate the User's membership of the Website.

7.- Other important aspects

7.1. If any provision of these Terms and Conditions is found to be invalid, it shall be severed or replaced without affecting the validity of the remaining terms.

7.2. If the User detects any behaviour that violates these Terms and Conditions, they should inform BBVA at the following address: contact.spark@bbvaspark.com

8.- Applicable law
This contract shall be governed by Spanish law, and the Courts and Tribunals of the city of Madrid shall have jurisdiction for the resolution of all disputes arising from or related to this Application.