cookies policy


Latest update: August 2019

In accordance with Spanish legislation governing the use of cookies, in relation to the provision of electronic communications services, as provided for in Government Decree 13/2012, of 30 March, we wish to inform you of the cookies used on the website (hereinafter referred to as the "Website"), which is owned by UNION DE CREDITOS INMOBILIARIOS, S.A., E.F.C. (hereinafter referred to as "UCI"). 

The aim of this Policy is to help you to understand the way that UCI uses the cookies system, the purpose of the cookies used, and the options you have available to manage them. 

What are cookies and what are they used for?

Cookies are small text files that are downloaded onto the users’ computer in order to manage certain data which are essential to the proper functioning of websites, as well as making it easier for you to browse and use such websites.

The cookies can only be read by the service or application that created them, and may under no circumstances be executable files or contain any computer viruses. 

UCI may store cookies on your device if they are strictly necessary for the functioning of the Website. We require your consent for all other types of cookies.

Accordingly, UCI informs you that by browsing this Website, you agree to the use of the different types of cookies described in this policy.

Identification of cookies

Shown below is a list of the different categories of cookies. Please note that the same cookie may be included in more than one category.

Types of cookies according to the entity that manages them:

Depending on the entity that manages the computer or domain from which the cookies are sent, and processes the data obtained, a distinction can be made between:

  • First-party cookiesthese cookies are sent to the user’s computer terminal from a computer or domain managed by the publisher, and from which the service requested by the user is provided.
  • Third-party cookies:  these cookies are sent to the user’s computer terminal from a computer or domain which is not managed by the publisher, but by another organisation that processes the data obtained through the cookies.

If the cookies are installed from a computer or domain managed by the publisher, but the information collected through them is managed by a third party, they will not be classed as first-party cookies. 

Types of cookies according to the length of time that they are enabled:

According to the length of time that they are enabled on the user’s computer terminal, a distinction can be made between:

  • Session cookies: types of cookies designed to obtain and store data when the user accesses a website. They are normally used to store information which is only kept for the purpose of providing the service requested by the user on a single occasion.
  • Persistent cookies: types of cookies in which the data are stored on the terminal and may be accessed and processed by the entity responsible for the cookie for a specific period of time; this may vary from a few minutes to several years.

Types of cookies according to their purpose:

According to the purpose for which the data collected through the cookies are processed, a distinction can be made between:

  • Technical cookies (necessary): these cookies allow the user to browse a website and use the different options or services offered on it, such as identifying a session, accessing restricted services, remembering the items included in an order, carrying out a purchase process, making a request for registration or participation in an event, using security elements while browsing, storing content for the broadcast of video and/or sound, etc.
  • Personalisation cookies (preferences): these cookies allow the user to access the service with certain general features which are predefined according to a number of criteria in the user’s terminal, such as the language, type of browser through which the service is accessed, time or regional settings, etc.
  • Analytical cookies (statistics): these cookies allow website managers to monitor and analyse the behaviour of users on the websites to which they are linked. The information collected by means of these types of cookies is used in the measurement of website activity, in order to make improvements based on the analysis of data on the way in which the service is used by users.
  • Advertising cookies (marketing): these cookies allow the most efficient management possible of any advertising spaces that a web publisher has included on a website, based on criteria such as the content published or the frequency with which adverts are displayed.
  • Behavioural advertising cookies (marketing): these cookies enable the most efficient management possible of any advertising spaces that the publisher has included on a website. They store information on the behaviour of users which is obtained through observation of their browsing habits. This enables a specific profile to be developed in order to display advertising accordingly
 The cookies used by UCI on its Website are first and third-party cookies, and allow us to store and access information relating to the language, type of browser used and other general features which are predefined by the users, as well as to monitor and analyse the activity that they carry out, in order to make improvements and provide our services in a manner which is as efficient, secure and personalised as possible. UCI does not use advertising or behavioural advertising cookies on its Website.

The use of cookies offers many advantages in the provision of information society services, including the following: (i) it helps users to browse on the Website and access the different services offered thereon; (ii) it means that users do not have to set the general predefined features every time they access the Website; (iii) it helps to improve functionality and the services provided through the Website, following the corresponding analysis of the information obtained through the installed cookies.

Notwithstanding the above, you may set your browser to accept or reject all cookies, or to select the cookies whose installation you accept or do not accept, by following one of the procedures below, according to the browser/device you use:

Cookies that UCI uses on its Website:

Necessary cookies

These cookies are required for the website to work and cannot therefore be disabled. In general, they are only created in response to actions you have taken when requesting services, such as setting your privacy preferences, logging in or filling in forms, and under no circumstances will they store personal identifying information. If you set your browser to block these cookies, the website will not work correctly.  

Third-party cookies

These cookies help us to understand the way in which users use this website and how we can improve our content and services.








Disabling (*)




Used to identify a user who has logged in on our website
and to reset the data when the user's connection to
the website is lost. 

2 years




Used internally to store the user's acceptance of
the use of cookies on the website
7 days








Disabling (*)


Google Inc.

Cookie used to make a distinction between
browsers and devices. It is an
analytical cookie.

18 years

Procedure for disabling Google cookies.

Through the browser options (**)

Disabling these cookies will not
stop this website from functioning normally


Google Analytics cookie used for tracking
and making a distinction between users.

2 years


 1 day



2 days

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U.C.I. Unión de Créditos Inmobiliarios
Confianza Online y Portal Cliente Banco España

© UCI - Unión de Créditos Inmobiliarios S.A. (All rights reserved)


Please read this Privacy Policy carefully to know all the legal information applicable to the use Unión de Créditos Inmobiliarios S.A., Establecimiento Financiero de Crédito (UCI) will make of your personal data when you provide it to us during your browsing experience on our Website. In it we shall explain, among other issues, which is the legal basis for processing your personal data and your rights regarding them.

By "your personal data" we are referring to any information about you, such as your name, address, email address, if you are of legal age or if you are particularly interested in any of our products. At UCI we value your trust very highly and are committed to protecting your privacy, so we shall process the personal data you provide us strictly in compliance with all the legal requirements applicable.

In this Privacy Policy you will find all the general legal information on our use of your personal data, such as who can access them, if we are going to keep or use them for other purposes, as well as the different rights to which you are entitled by law to protect your privacy and how you can exercise them. However, if you sign any contract with us, in the latter we shall include all the specific privacy legal information applicable to the product or service you have contracted.

On the other hand, and in relation to what we indicate in the previous paragraph, you are informed that we use Cookies. Cookies are small files with information on your browsing of our Website and whose main purpose is to facilitate this browsing. For more detailed information about the use of these Cookies and the data that we collect while you browse our Website, please read our Cookies Policy. Here you will find all the information we collect about you, how we use it and what you can do in respect thereof.

If we make any changes to the Privacy Policy that may affect you in any way, such as, for example, if your data may be processed for purposes other than those provided for, we shall notify you before starting any activity. However, it is possible that the information contained in this Privacy Policy may change at any time, so in order to always be informed of the processing we give your data, we ask you to frequently consult this page.

 Who is responsible for processing your data?

The party responsible for processing your personal data is «Unión de Créditos Inmobiliarios S.A., Establecimiento Financiero de Crédito» (hereinafter, «UCI»), with registered office in Calle Retama, 3, 28045, Madrid, Spain.

Email Address:

 For what purpose, and on which legal basis, do we use your data?

First of all, at UCI we trust that all the personal data you provide us with are true and accurate, and that, if necessary, you agree to notify us of any change or modification to them. If at any time you provide us with third-party personal data, you will be responsible for informing them and obtaining their consent to provide us with these data and that they are processed in accordance with our Privacy Policy.

At UCI we shall process your data with the purpose of offering you a more personalized service. Specifically, so as to be able to respond to and deal with any query or request you may make through our email addresses or any of our phone numbers. To do this, we shall be able to process your data in order to give you all the information you require about our services and about those which, even though they belong to third-party companies, are sent from UCI.

Furthermore, we shall process your personal data to deal with any suggestions, complaints and claims that may be filed before our Customer Care Service ( or Customer Ombudsman ( through their respective contact email addresses or by those sent by post.

As we detail below, according to the use we make of your personal data in each case, the legal basis allowing us to process them will be different. We shall inform you at all times of (1) when the information we’re asking you for is essential for us to be able to sign the contract, (2) when and why we’re asking you for information that we are legally obliged to request from you, and (3) when and why we need your consent to request and use your data.

 Legitimate Interest:

On the one hand, we shall process your personal data to assist you every time you request information about our products or services, as well as to respond to the suggestions, complaints and claims you send us through any of our contact phone numbers or emails. Likewise, we shall need to process your information, such as your curriculum, when you provide it in order to be able to work with us.

On the other hand, in those cases in which we offer a simulation tool on our Website (such as, for example, for calculating your mortgage), we shall only ask you for the information required to contact you in connection with the result obtained.

In these cases we understand that UCI has a legitimate interest to use the information you provide to us. We believe that the interest we have in using your data will not harm your privacy in any way. If this were not so, please do not hesitate to let us know.

Compliance of contractual relationship:

On the other hand, if you ask us, we shall also be able to process your data to facilitate the contracting of any of our products or services, as well as the development, implementation, execution, and management of all those already contracted with UCI. Thus, for example, we shall need to process your personal data if you request us to process the payment of an appraisal through our Website.

We shall also process the personal information you provide us with to deal with your registration as professional collaborator or customer on our Website. This will be necessary to identify you as a user and give you access to the different purposes available to you as a registered user. However, the specific conditions that will govern your relationship with UCI will be previously provided, including those relating to privacy.

In these cases, we shall need to process your personal data in order to be able to formalize, manage and fulfil the contract you wish to sign with us, as well as to provide the services you have requested.

Compliance of a legal obligation:

There will also be times when, in order to comply with certain legal obligations applicable to us, we may use your personal data; in these cases and insofar as possible, we shall duly inform you of the applicable regulation. This is particularly important due to our position as a financial institution, subject to special controls and monitoring processes by different agencies and public authorities (for example: Banco de España, CNMV (the National Securities Market Commission), etc.).

Consent: We shall need your authorization to process your data for issues not needed to comply with the contract with you or which are not legally required, or for which we do not have a legitimate interest. When this happens, we shall inform you in detail of why and how we want to use your data.

 Are we going to share your personal data with anyone?

We are the entity legally responsible for the collection, use, storage and disposal, as appropriate, of your data. Therefore, and as a general rule, your data will only be used at UCI, and we shall not disclose them to any third party; we shall do so only when it is legally required (for example, to the State Security Forces and Bodies or to the Courts), when we have been expressly authorized by them, or when it is a case of your or UCI’s legitimate interest. Apart from these cases, we shall not disclose the information you provide to us to any third party.

However, we want you to know that whenever other UCI Group companies are directly involved in the management you have requested and if it is necessary, the latter may also process your personal data.

Third-party support services providers also collaborate with UCI, who may occasionally require access to your personal data. We refer, for example, to technological services providers or software or security companies. When you provide your personal data, you authorize us to process and share your information with these collaborators.

In this sense we want to clarify that we shall sign the corresponding contract with these providers, and shall impose, among others, the obligation to apply the appropriate technical and organizational measures; process the data they access solely to fulfil our assignment and instructions, and delete them or return them at the end of their services.

 How long shall we keep your information?

UCI will keep the information you provide us with for the time strictly necessary to manage and respond to what you have requested. Once your data are no longer necessary for the purpose for which you provided them, we shall keep them to place them at the disposal of the Courts in the event of any claim. We shall keep these data, but properly blocked and solely for that purpose.

We may have the legal obligation (for example, concerning the prevention of money laundering) to keep your data for a longer period of time if you purchased any of our financial services or products. For each case, we shall inform you regarding how long we shall keep and use your personal data.

 What are your rights when you provide us with your data?

You have the right to obtain confirmation as to whether UCI is processing your personal data or not and, if so, to access your personal data, as well as to request the rectification of any inaccurate data or, as the case may be, request their deletion if, among other reasons, the data are no longer necessary for the purposes for which they were collected.

Under certain circumstances, you may be able to request the limitation of your data processing and if you have authorized the elaboration of profiles and this is carried out entirely by an automated procedure, you may request the non-automated processing, express your point of view and challenge the decisions based on those profiles.

Sometimes and for reasons related to your particular situation, you will be able to oppose the processing of your data, as well as request their portability so they may be sent directly to the entity designated by you in a particular format.

You can exercise these rights by email to the following address: or by post to Apartado de Correos 1160 28080 – Madrid.

The interested party may from this moment and at any other time later withdraw their consent to the processing by sending an email to or in the case of being a digital customer through the Private Area on the customer website.

The interested party may file a complaint with UCI and/or before the Spanish Data Protection Agency (as the competent Data Protection control authority), especially when dissatisfied with the exercise of their rights, by writing to or through the website htpps://

The rights guaranteed under the General Data Protection Regulations may not be exercised until 25 May 2018.

 Who is UCI’s Data Protection Officer?

At UCI we have appointed a person, the Data Protection Officer, to protect your privacy, as well as to ensure that we fulfil all the legal requirements regarding Spanish and European personal data protection regulations.

This person will be responsible for providing all the information required regarding your personal data. If you need to contact him/her, you can do so at the following email address: