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Legal notice

This Legal Notice establishes the conditions of use of the webpage (“Webpage”). By using this Webpage, you, the user, must observe and comply with all the conditions of this Legal Notice in accordance with the version published when you access the Webpage. Thus, we recommend that you read this Legal Notice carefully each time you access the Webpage. These conditions are applicable regardless of the existence of other conditions applicable to services provided on the Webpage

Identification particulars of the Service Provider


Registered Address: Paseo de la Castellana, 40 28046 Madrid.

CIF (COY. TAX NUM.): V-28277002


Terms and conditions of use

The terms and conditions in this Legal Notice are applicable to all the pages in the site map, which are the only pages on this Webpage.

Access to this Website is the sole responsibility of the Users and implies acceptance of these terms and conditions of use. The use of certain services will also imply the acceptance, without any reservation, of the particular rules or instructions that LORETO MUTUA/INVERSIONES could establish at any time with a specific character, substitute or complementary to the one of the present general conditions

Your use of this Webpage and its services must be lawful in accordance with these terms and conditions of use and the applicable law.

LORETO MUTUA may unilaterally amend these terms and conditions of use of the Webpage by publishing any such amendments in this Legal Notice, which become effective as soon as they are published.


LORETO MUTUA does not accept liability for or guarantee that access to the Webpage will be uninterrupted or free of errors. It also does not accept liability for or guarantee that the content or software that may be accessed via the Webpage is free of errors or will not cause damage. Under no circumstances does LORETO MUTUA accept liability for any loss or damage of any type caused by accessing or browsing the Webpage. This includes but is not limited to damage caused to IT systems or by the infection of viruses.

LORETO MUTUA accepts no liability for any damage caused to you owing to improper use of the Webpage. In particular, LORETO MUTUA does not accept any liability for crashes, interruptions, faults or defects in the telecommunications that may occur while you are browsing the Webpage.

Access and security

Access to the transactional services and the services that include capturing personal data is performed in a 128-bit secure environment using the SSL (Secure Socker Layer) protocol. The secure server establishes a connection so that the information can be transmitted encrypted. This guarantees that the content transmitted is only intelligible for the client computer and LORETO MUTUA’s server. You can see whether you are browsing in a secure environment by checking that there is a closed padlock in the status bar of your browser. The security guarantee of our servers is backed up by a certificate issued by our web services provider. This certificate guarantees that the client is communicating his data to a server of LORETO MUTUA and not to a third party that could impersonate him.


LORETO MUTUA does its utmost to avoid any error in the content on the Webpage.

LORETO MUTUA is not responsible for the consequences that may arise from erroneous information provided by third-party providers that may appear in the contents of the website.

Webpage update and modification

The information on the Webpage is current as of the date of the last update. LORETO MUTUA accepts no liability for the information contained on the webpage being up-to-date or suitable.

You must not change or adapt the Webpage. LORETO MUTUA may make any update or change it sees fit at any time and without notice.

Intellectual and industrial property

This Webpage, its source code and content are protected by intellectual property law. You must not exploit, reproduce, distribute, modify, communicate publicly, transfer or adapt these elements except when you have express authorisation by the owners of the rights.

The design, images, banners, distinctive signs, trade names, brands, logos, products and services contained on the Webpage are protected by industrial property law.

LORETO MUTUA is the owner and licensee of all the rights on the content of this Webpage. It lawfully and exclusively owns the exploitation rights on these rights with the exception of the rights of certain providers with which we have signed agreements for the provision of content and that are protected by national and international industrial and intellectual property regulations and for which these conditions are equally applicable.

Accessing this Webpage does not grant you any right or ownership on any of the industrial or intellectual property rights on the content of the Webpage. You, as a user accessing this Webpage, must not copy, modify, distribute, transmit, reproduce, publish, transfer or sell the aforementioned elements or create new products or services derived from information obtained without written authorisation from the owners of the rights.

You are strictly prohibited from altering the content and structure of this Webpage.

In the event that you send information of any kind to LORETO MUTUA, you declare, guarantee and accept that you have the right to do so freely, that said information does not infringe any intellectual property, trademark, patent, commercial secret, or any other right third party right, that said information is not confidential and that said information is not harmful to third parties.

LORETO MUTUA may pursue the legal actions open to it against users that infringe the industrial and intellectual property rights.


The Webpage may include access links (hyperlinks or links) to pages not owned by LORETO MUTUA. Under no circumstance does this imply the existence of a relationship between LORETO MUTUA and the owner of the hyperlinked webpage. Nor does it entail that we approve of or accept the third-party website. LORETO MUTUA accepts no liability for the lawfulness of the content on these third-party websites.

We prohibit the inclusion of hyperlinks to the Webpage from any other webpage without our express authorisation. In all cases, any such hyperlink must not harm the public image and brand of LORETO MUTUA, the Webpage or any third parties made mention of on the Webpage.

LORETO MUTUA will remove links to any page that has unlawful content or in which the property or rights of a third party are being harmed as soon as it becomes aware of this circumstance by any means.

Website privacy policy

For more information on our data protection and privacy policy, see our Privacy Policy.

The use of cookies

The use of cookies is required for the use of the Webpage. Cookies are used to facilitate browsing and offer a personalised and more responsive service. We also use a statistical tool to obtain statistics on use of the Webpage. Under no circumstances are the cookies used to store information that can be used to identify you. For more information, see our Cookies Policy.

Governing law and jurisdiction

The terms and conditions governing the Webpage and all the relationships that could arise from it are governed by Spanish law.

Any dispute arising out of the access or use of the Webpage will be submitted to the exclusive jurisdiction of the courts of Madrid (Spain).