Privacy policy

In accordance with the Spanish Information Society and E-Commerce Act 34/2002, we inform you that this website is the property of COOPERATIVA D’IVARS I SECCIÓ DE CRÈDIT, S.C.C.L., hereafter IVARS COOPERATIVE, with official address at C/ Lleida, 2-8 – 25260 in Ivars d’Urgell (Lleida), with tax nº F25004409 entered in the Government of Catalonia’s General Register of Cooperatives with the following details: Entry Num. LlN-98.

For any query or proposal, contact us by e-mail at [email protected], or by telephone 973580000.

This website is governed by regulations applicable exclusively in Spain, and both Spanish nationals and foreigners who use this website submit to these.

USER access to our website is free of charge and is subject to reading in advance and fully, expressly and unreservedly accepting these GENERAL USAGE CONDITIONS applicable at the time of access. We ask that you read them carefully. When using our portal and its content or services, USERS accept and expressly submit to its general usage conditions. Users who do not agree with these usage conditions must refrain from using this portal or operating by means of it.

We may alter the presentation and configuration of our website and the services and content provided, expand or reduce services, and even remove it from the Internet at any time, unilaterally and without advance notice.


All content, texts, images and source code are the property of IVARS COOPERATIVE or third parties from whom usage rights have been acquired, and they are protected by intellectual and industrial property rights.

Users have the right only to private, not-for-profit use of these, and they will require express authorisation from the IVARS COOPERATIVE and/or the rights holder if they wish to alter them, reproduce them, use them or distribute them or to make use of any right belonging to the holder.

The establishment of links to our portal grants no rights over it and is authorised only in order to allow access to our website. The full or partial reproduction on other websites of the images and content of our site is prohibited. In addition, the simple fact of establishing a link to our website grants no right to anyone be considered as an employee or member of the IVARS COOPERATIVE.

The full or partial imitation of our portal is utterly prohibited.


Access to our website is free of charge and does not require prior subscription or registration. However, the IVARS COOPERATIVE reserves the right to offer services requiring prior user registration. In all cases, these services will be duly identified on the website, with easy indications for registration.

Users must access our website in good faith and in accordance with public order regulations and these General Usage Conditions. This website is accessed under the user’s own exclusive responsibility. He/she will be answerable in all cases for any losses or damages that may be caused to ourselves or to third parties.

Users are expressly prohibited from using and obtaining the services and content offered on this website through procedures other than those stipulated in these usage conditions or, if necessary, under the particular conditions regulating the acquisition of certain services.

Taking into account the impossibility of monitoring the information, content and services contained on other websites that may be accessed using the links made available on our website, we notify you that the IVARS COOPERATIVE, accepts no liability for damages and losses of any kind to users that may derive from the use of these websites beyond the control of our company.

THE IVARS COOPERATIVE reserves the right to undertake the appropriate legal action against any USERS who breach these general usage conditions, and USERS accept that failure to begin such action does not constitute a formal waiver of this right, with such actions remaining possible until the deadline for a particular offence.


Confidentiality, professional secrecy and security are basic values of the IVARS COOPERATIVE, which is committed to guaranteeing the privacy of users or visitors at all times, in all their interactions with it. IVARS COOPERATIVE is also committed not to capture unnecessary information about users. We also pledge to handle any personal information provided by users via our website with extreme diligence.

In accordance with the Personal Data Protection Act 15/1999 (LOPD) and Royal Decree 1720/2007, developing the LOPD, we inform you that the use of certain services on our website requires you to provide us with certain personal data through registration forms or by sending e-mails, the processing of such information and its incorporation into files held by the IVARS COOPERATIVE and for which it is responsible. The sending of personal data as indicated above constitutes express consent to its processing, although such consent may be revoked and is not retroactive.

We also inform you that all our files are legally entered in the Spanish Data Protection Agency’s General Personal Data Register and that, in order to protect the security of your personal data, the technical and organisational security measures required by Royal Decree 1720/2007, regulating security measures for files containing personal data, will be applied.

Use of your personal data

The data we request from you is appropriate, relevant and strictly necessary for the purpose for which it is collected and you are never obliged to provide us with it. In addition, you certify that the data you are providing us with is true, correct and relevant for the purpose for which we are requesting it.

Our website collects your personal data through receipt of various forms and via an e-mail address you can use to ask us for any kind of information or classification or resolve queries. Sending it implies your authorisation for it to be incorporated in our corresponding files, if the IVARS COOPERATIVE considers it appropriate, and these will be governed by this privacy policy. Your data will be incorporated into our data processing files.

IVARS COOPERATIVE reserves the right to decide whether or not to incorporate your personal data into its files.

Receipt of CVs

If you send us your curriculum vitae, under the Personal Data Protection Act we inform you that your personal data will be incorporated into our files so that we can have your curriculum available in order to carry out staff selection processes if your professional profile meets our needs. Until you expressly cancel your personal data in our files, we understand that you are still interested in it forming part of them for future selection processes. In order to keep our personal data files up to date, we ask you to notify us of any change or amendment.

Credit section

The privacy policy included in this legal notice is applied to the online credit section contained on the website.

Rights of access, correction and cancellation of your personal data

You may, at any time, refuse our commercial communications or exercise your rights of access, correction and cancellation under the legally established terms by writing to the address using the details given at the top of this Legal Notice, providing us with a copy of your ID card number.

Data communication

IVARS COOPERATIVE informs you that your data is dealt with confidentially and used exclusively internally and for the purposes indicated. We therefore do not pass on or communicate your data to any third party except in the cases provided for by law or when expressly authorised by the USER.

Security of your personal data

In order to maintain the security of your personal data, we inform you that D’IVARS COOPERATIVE has adopted all the technical and organisational measures necessary to guarantee the security of the personal data supplied against alteration, loss and unauthorised processing or access, as required by Royal Decree 1720/2007, regulating safety measures for files containing personal data.

Updating your data

So that we can keep your personal data up to date, it is important that you always inform us when there has been any change in them. If you do not, we cannot answer for their accuracy.

We consider that if you do not expressly cancel your personal data in our files you are still interested in it forming part of them, as long as IVARS COOPERATIVE sees fit and while the purpose for which they were obtained remains appropriate.

IVARS COOPERATIVE accepts no responsibility for privacy policies concerning personal data that may be provided to third parties using the links available on our website.

IVARS COOPERATIVE may amend this privacy policy to adapt it to any changes that may be made to our website and to changes in legislation or case law concerning personal data that may become apparent. For this reason, you are required to read it every time you provide your data via this website.

IVARS COOPERATIVE uses a cookie to ensure registration of the user during its connection to the website of the Section On Line of Credit.


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By making this website available to users, we want to offer you a set of quality content and services, using the greatest possible diligence in providing them and in the technological resources used. However, we will not be answerable for the presence of viruses and other elements that could damage users’ computer systems in some way.

USERS are prohibited from any kind of action on our portal leading to the operational overload of our computer systems, as well as the introduction of viruses or the installation of robots or software altering the normal operation of our website or ultimately cause damage to our computer systems.

Users accept all responsibilities deriving from the use of our website, and they are solely responsible for any direct or indirect effect on the website, including but not limited to, all adverse financial, technical and/or legal results as well as disappointment concerning the expectations generated by our portal. Users must ensure that the IVARS COOPERATIVE is not held responsible for any claims directly or indirectly deriving from such circumstances.

IVARS COOPERATIVE is free of any responsibility for any claim concerning the intellectual property rights for articles and images published on its portal, as well as for failing to ensure the accuracy, truthfulness and applicability of the content of this website, whether it is its own, comes from third parties or is in the form of links to other websites, and it shall be entirely free of any responsibility deriving from their use.

IVARS COOPERATIVE is free of any responsibility deriving from any claim, including the payment of lawyers’ fees, for third party legal action and claims for breach by users of our usage and access conditions and privacy policy or any other claim for breach of current legislation.

THE USER recognises that he/she has understood all the information concerning the usage conditions for our portal and recognises that they are sufficient, except for any errors they may contain, accepting them expressly and in full.

THE USER is fully aware that simply browsing this website, as well as the use of its services, implies acceptance of these usage conditions. Everything concerning our website is governed exclusively by Spanish law. If there is any kind of discrepancy or difference between the parties concerning the interpretation and content of this website, both parties, expressly waiving any other rights they may have, expressly submit to the Courts and Tribunals of the province and city where the headquarters is, indicated above.
For any other issue concerning the Usage Conditions of our website, you can contact us using the details indicated above or our advisers BONET consulting: