A minimum property price of € 150,000 is required.

A minimum loan amount of € 100,000 is required.

In order to deal with your case, we will contact with you using the telephone number, email address and name that you have given us. We will use these details at UCI ("Unión de Créditos Inmobiliarios S.A E.F.C.") only to contact you and reply to any queries or requests for information that you might raise with us. We will not retain or use them for any other purpose, and (unless we are entirely obliged), will not provide them to anyone else.Should you wish to find out more with regard to the legal aspects of this procedure, and in particular how we protect your privacy, click here

 

This website is the property of UNIÓN DE CRÉDITOS INMOBILIARIOS, S.A. E.F.C ("UCI"), and is registered in the special Bank of Spain Register under the no. 8512, and subject to its supervision. A Credit Financial Institution registered with the Trade Register of Madrid in Volume 11266, Folio 164, Section 8, page no. M-67739, Entry 344. Spanish tax ID A-39025515. Sole Proprietorship.

Registered Address: C/ Retama, 3, 28045, Madrid.
Tel.: 91 337 37 37
Fax: 91 337 37 38
E-mail:
ucimortgages@uci.com

Simply accessing this website means you know and agree to the following terms and conditions. Therefore, we recommend you read the content herein if you wish to access and use the information and services offered from this site. 


1. GENERAL TERMS

1.1 These are the general terms (hereinafter the "General Terms") regulating the access, browsing and use of the website under the domain www.ucimortgages.com (hereinafter the "Website").

1.2 It shall be understood that access or the mere use of the Website by the user implies acceptance of the General Terms UCI has published and which shall be available for users. 

1.3 To this end, "User" shall mean the person who accesses, browses, uses or participates in the services and activities, whether for free or for payment, developed at the Website. 

2. INTELLECTUAL AND INDUSTRIAL PROPERTY RIGHTS

2.1 UCI is the holder or, where applicable, has obtained the corresponding commercial operation permit of all the intellectual and industrial property rights and image rights to any work, feature of any type or content accessible to the public from the Website. 

2.2 The intellectual and industrial rights and image rights belonging to UCI include the images, videos, texts, trademarks, recordings and graphic and/or audio-visual content of any kind made available to the public via the Website. 

2.3 As a result, modifying, copying, re-using, exploiting, reproducing, publically disclosing, second or later publications, loading files, sending via email, transmitting, using, processing or distributing in any way either all or part of the Website content is prohibited without express, written authorisation from UCI or, where applicable, the holder(s) of the corresponding rights. 

2.4 Moreover, deleting, eluding or manipulating copyright notices or any other identification data relating to the rights of UCI or of the holders built into the content or in technical protection mechanisms, fingerprints or any information and/or identification mechanism the contain may contain is prohibited. 

3. BROWSING OBLIGATIONS

3.1 Transmitting or sending any illegal or illicit content, computer viruses or messages which, in general, affect or violate UCI Group or third-party rights is prohibited. 

3.2 To this end, the User assumes all liability and undertakes to hold UCI harmless of any type of damage caused as a result of breaches committed by the User. 

4. CONTENT AND DURATION OF THE GENERAL TERMS

4.1 UCI hereby warns you that the information that appears on the Website is valid as of the update. However, the UCI Group may modify the information and content of the Website when deemed appropriate. 

4.2 Moreover, UCI may modify the General Terms, either fully or partially, publishing any change in the same way as these General Terms or through any type of communicated addressed to Users. 

4.3 The effectiveness of these General Terms, therefore, coincides with the period of time they are displayed until they are fully or partially modified at which time the modified General Terms will enter into force. 

4.4 UCI may terminate, suspend or interrupt access to the page content at any time with no need for advance notification without any compensation of any kind for Users. After said extinction, the prohibitions of use of the Content previously displayed will continue to be valid. 

5. LINKS

5.1 The User may find links to other websites on the Website via different buttons, links, banners, etc. which are managed by third parties. UCI is not liable in any way for any aspect related to the linked website. 

5.2 UCI does not authorise the establishment of a link to the Website from any websites containing illicit, illegal, degrading, obscene material, information or content or, in general, any that violates morality, public order or generally accepted social norms. 

5.3 UCI is not liable in any way for any aspect relating to any website that establishes links to the Website specifically but not limited to its functioning, access, data, information, files, quality and reliability of the products and services, own links and/or any of the content in general. 

6. COOKIES

6.1 This website uses cookies which are small files a website server sends to the user´s browser. For more information, read our Cookies policy. 

7. PERSONAL DATA PROTECTION

7.1 Personal Data Processing. The only personal data UCI will have access to are those provided by the user voluntarily. To this end, the user shall know that personal data will be requested in order to receive and register for some products/services offered via the website. In such cases and with respect to the data expressly indicated to the user/customer as such, access may not be given and said services and content may not be used if the data is not provided. Pursuant to current regulations, UCI has adopted the technical and organisational measures needed to maintain the required security level concerning the personal data processed. Moreover, it is equipped with the proper mechanisms within its reach to prevent to the extent possible any unauthorised access, theft, unlawful modifications and loss of data. Aspects relating to Users’ personal data processing due to the use of the Website are regulated in the Privacy Policy

8. LAW AND APPLICABLE JURISDICTION

8.1 These General Terms & Conditions are governed by Spanish law. The Parties submit, at their choice, for the resolution of conflicts and with waiver of any other jurisdiction, to the Courts of the User’s place of residence. Likewise, as an entity that is registered with Confianza Online and in compliance with the terms of its Code of Ethics, in the case of disputes relating to online contracting and advertising, data protection and the protection of minors, the User may make use of the Confianza Online out-of-court controversy resolution system (www.confianzaonline.es).

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

PERSONAL DATA PROTECTION CLAUSE.

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: atencionalcliente@uci.com

 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 (atencionalcliente@uci.com) or Customer Ombudsman (financieras@gmail.com) 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: privacidad@uci.com 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 privacidad@uci.com 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 privacidad@uci.com or through the website htpps://www.aepd.es.

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: dpo@uci.com