Privacy & Terms


Legal Notice and acceptance

IUL, S.A. domiciled at Carrer de la Ciutat d’Asunción 4, 08030 Barcelona, with N.I.F. (Tax ID) ESA58390600 registered in the Barcelona Mercantile Registry, volume 8802, folio 78, page number 102135, registration 12 (hereinafter “IUL“).

This legal notice regulates access and use of the website service (Hereinafter, “Website”) IUL provides Internet users interested in its services and content (Hereinafter “IUL“).

This website complies with the provisions of Law 34/2002, of July 11, on Information Society and Electronic Commerce Services and current legislation on the protection of personal data.

IUL may change at any time and without notice, the design, layout and/or configuration of the Website, and any or all services and add new services.

The use of this website implies full acceptance of the provisions contained in this Notice as published by IUL at the time the User accesses the Website. IUL also hereby informs users of this Website that these Terms of Use may be changed without notice. Consequently, the user must carefully read this Legal Notice each time they access the Website as it may be modified.

The use of certain services offered to users through the Website may be subject to specific conditions which, as the case may be substitute, supplement and/or modify these Terms of Use. Therefore, before the use of such services, the user must also carefully read and accept the corresponding specific conditions.

Privacy Policy


The information received by IUL through this website will be processed with the utmost confidentiality and secrecy in accordance with current regulations.

IUL informs the user that the personal data that may be provided through this web page will be processed under the responsibility of IUL with the purpose and legitimate interest of managing the services provided through this Internet Portal, including the response to requests and queries made through the provided forms and user register to allow access to the customer area. Likewise, and whenever you give us your express consent, IUL may use user identification and contact data to keep you informed about the activities, products and services of IUL or other entities related to IUL that may be of interest to you.

By providing your data through the forms included in this website, you are giving your consent to the processing of them in accordance with the conditions established in this informational clause.

Storage of data

The data provided will be kept as long as it does not require the cessation of activity, the commercial relationship is maintained, for the years necessary to comply with the legal obligations or until the data cease to be necessary or pertinent for the purpose for which they were collected or registered.


The information provided through the contact request forms can be communicated to our local distributors so that they can attend to your request. Otherwise, the data will not be transferred to third parties except in cases where there is a legal obligation.

Rights of access, rectification, erasure and objection

You can request access to, rectify, object to or erase your personal data at any time. To do so, you must contact IUL by mail at Carrer de la Ciutat d’Asunción 4, 08030 Barcelona, or by e-mail at

Processing, computing and data storage security

IUL declares and guarantees that it maintains the security levels of personal data protection of personal data in accordance with current legislation. For this purpose, it has established a Management System for the Protection of Personal Data in order to determine and implement the technical and organizational means at its disposal to prevent the loss, misuse, alteration, unauthorized access and theft of data provided by users, without prejudice to informing that security measures on the Internet are not impregnable.

Terms of Use

Conditions of access and use of the Website

The user agrees to make diligent use of it and of the services available from this Web Site, in full compliance with the law, morality and the General Conditions and, where appropriate, specific conditions, as well as maintaining due respect to other users.

It is expressly forbidden to use it any other than the purpose of this website.

In this regard, the user  waives the right to use any of the materials and information contained on this website for illegal and expressly prohibited uses according to these Terms of Use and to special conditions, if any, that are enabled to be contrary to the rights and interests of IUL, its members and/or third parties, and must respond to them in the event of violation or breach of obligations and/or which in any way (including the introduction or spread of “computer viruses”), damage, disable, overburden, impair or impede the normal use of the materials and information contained on the Website, information systems or documents, files and all kinds of content stored on any computer (hacking) of IUL, its members or any user of the Website.

In general, the provision of services does not require prior subscription or registration of users. However, IUL conditions the use of some services to prior user registration, selecting the identifier (ID or login) and the password that the user agrees to keep and use with due diligence.

IUL assigns the identifier selected by the user as long as it has previously not been selected by another user. Password use is non-transferable, and transferring it, even temporarily, to third parties is not permitted. As such, the user must take the necessary measures for the safekeeping of the password selected thereby, avoiding the use of it by others. Consequently, the user is the sole responsible party for the use of the chosen password, with the complete indemnity of IUL. In the event that the User knows or suspects that third parties are using their password, they must communicate the facts to IUL as soon as possible.

The register shall be in the manner indicated in the service or in the Special Conditions, if any, regulate it.

All information provided by User through the services must be truthful. For this purpose, the User guarantees the authenticity of all data communicated as a result of completing the forms necessary for the subscription to the Services.

Similarly, it is User’s responsibility to keep all information provided to IUL constantly updated so that it reflects the User’s situation at all times. In any case, the User shall be solely responsible for any false or inaccurate statements made and the damage caused to IUL or others for the information provided.

Under the anti-spamming policy, IUL Users agree not to use and collect data from the distribution lists that can be accessed through the information and services contained on the website for conducting promotional activities or publicity and not to send commercial communications of any kind and through any medium not previously requested or consented to by IUL and/or stakeholders. Any user who intentionally or culpably breaches any of the foregoing obligations shall be liable for all damages caused.

Exclusion of guarantees and responsibility

Except where expressly described in the Terms of Use and the rest of the regulatory framework and, the Site, IUL is not responsible for damages of any kind that may result from the lack of accuracy, completeness, timeliness, and errors or omissions that could affect the information and services contained in this Website or other content which may be accessed through the same or assume any duty or obligation to verify or monitor the content and information.

Also, IUL does not guarantee the availability, continuity or infallibility of the operation of the Website and, accordingly, excludes, to the fullest extent permitted by law, any liability for damages of any kind that may result from the lack of availability or continuity of operation of the Website and the services provided in the same, as well as errors in the access to different web pages or those from which, where appropriate, such services are rendered.

IUL excludes any liability for damages of any kind that may result from the services provided by third parties through this Website as well as the media to enable them to manage service requests, specifically, without limitation and not limited to: acts of unfair competition and illegal advertising as a result of the provision of services by third parties through the website, as well as the lack of truthfulness, lack of accuracy, lack of completeness, errors, defects, lack of relevance and/or timeliness of content transmitted, distributed, stored, received, obtained, made available or accessible through the services provided by third parties through this website.

Use of Cookies

Cookies are short reports that are sent and stored on the hard drive of the user’s computer through your browser when it connects to a web. Cookies can be used to collect and store user data while connected, to provide the requested services and that are not typically kept (session cookies), or to preserve user data for other future services that can be stored indefinitely (persistent cookies). Cookies can be themselves or others.

Several types of cookies:

Technical cookies  that facilitate user navigation and use of the various options or services offered by the web such as to identify the session, allow access to certain areas, facilitate orders, make purchases, fill out forms, register, ensure security, facilitate features (videos, social media, etc.).

Cookies for customization that allow users to access services according to their preferences (language, browser, configuration, etc.).

Analysis cookies that enable analyzing the behavior of anonymous Web users and measuring user activity and navigation profiles in order to improve the website.

Advertising cookies that enable the management of advertising space on the website.

Cookies for personalized advertising which allow the management of web advertising spaces based on the behavior and browsing habits of the user, where the user’s profile is obtained and this allows them to customize the advertising that is displayed on the user’s browser.

IUL only uses technical cookies, for customization and data analysis, which could be its own or third-party cookies, and in any case these cookies will process any personal data or identify any browsing habits for advertising purposes. Please note that you can enable or disable these cookies by following the instructions on your browser.

Applicable Legislation

The General Conditions of Use and other legal conditions of the website are subjected to each and every one of its clauses by Spanish law.