Accessing this website

These Terms of Use apply to, as well as any other affiliated sites (including digital services, eBanking) (hereinafter, individually or collectively “CWML Website”) and apply to all visitors, governing their use of the CWML Website. This CWML Website is owned by CaixaBank Wealth Management Luxembourg.

By accessing the CWML Website, you agree to be legally bound by the Terms of Use then in effect.

Terms of Use

Access limitation

This CWML Website is not intended for persons in jurisdictions in which (for reasons of residence, nationality or any other reasons) the publication of or access to the CWML Website is not permitted. Persons subject to these restrictions are therefore not authorised to access this CWML Website. Products and services shown on this CWML Website may not be available to persons resident in (or citizens of) particular countries.

In accessing the CWML Website and the pages thereof, the User acknowledges and approves the following conditions of use, which may, however, be subject to change. The user also agrees that all use of the CWML Website shall be at his/her/its own sole liability.

No Reliance

While CWML uses reasonable efforts to obtain information from sources which it believes to be reliable, CWML makes no representation that the information or opinions contained on the Website is accurate, reliable or complete. The information and opinions contained in the Website are provided by CWML for personal use and informational purposes only and are subject to change without notice. Nothing contained on the Website constitutes investment, legal, tax or other advice nor is it to be relied on in making an investment or other decision. You should obtain relevant and specific professional advice before making any investment decision.

No Warranty

The information and opinions contained on the Website is provided without any warranty of any kind, either express or implied. They also may be changed at any time without notice.

Therefore, your use of the CWML Website is at your own risk. Any materials, information or content accessed, downloaded or otherwise obtained through the use of the CWML Website is done at your own risk.

No offer

All information provided on this CWML website are for information purposes only, and does not constitute a solicitation, offer, request, advice or recommendation to acquire, dispose of invest in the financial products and/or services presented and disclosed, neither to engage in any other transaction. No information contained in this CWML Website should be understood as financial, tax, legal or any other professional advice or recommendation.

Links to other websites

Some links on this Website may lead to third-party websites, which are completely beyond the control of CWML and which are provided solely for the convenience and the information of the User. Accordingly, CWML does not assume any responsibility for the accuracy, completeness and legality of the contents of such websites, or for any offers and services contained therein. Using links from this Website to any website not owned by CWML is at the own risk of the User.

The prior written consent of CWML is required before any link to the Website is placed on any other website.

Use of the CWML Website / Copyright

The entire content of the CWML Website is subject to copyright with all rights reserved. The User may download or print out a hard copy of individual pages and/or sections of the CWML Website, provided that he/she does not remove any copyright or other proprietary notices. Any downloading or otherwise copying from the Website will not transfer title to any software or material to the User. The User may not reproduce (in whole or in part), transmit (by electronic means or otherwise), modify, link into or use for any public or commercial purpose the Website without the prior written permission of CWML.


CWML has established Privacy Notices, as modified from time to time, which explains among others how personal data is collected on the CWML Website and processed by CWML accordingly. The Privacy Notices is part of these Terms of Use and are incorporated herein by reference.

Limitations of Liability

In no event, including (without limitation) negligence, will CWML or its service providers be liable for any loss or damage of any kind, including (without limitation) any direct, special indirect or consequential damages, even if expressly advised of the possibility of such damages, arising out of or in connection with the access of, use of, performance of, browsing in or linking to other sites from the Website.

The user notes that access to the Website could be affected by interruptions or errors or result in the transmission of viruses or other malware. CWML does not guarantee that such issues will be corrected. CWML does not accept any responsibility relating to the Website and in particular as a result of the use of the Website or of missed opportunities to use the Website.

Applicable law and judicial forum

The CWML Website is subject to the laws of the Grand Duchy of Luxembourg. Any legal claims or lawsuits in conjunction with this CWML Website or its use are subject to the Courts of Luxembourg-City.