Legal Information and Claims – Miralta Finance Bank,S.A.
Please read the following information carefully for your own knowledge and protection. This notice contains the conditions by which this Website is regulated and which the user accepts by browsing it.
You have accessed the website of the Miraltabank Group (hereinafter, “Miraltabank”), formed by the entities MIRALTA FINANCE BANK, S.A. and MIRALTA ASSET MANAGEMENT SGIIC, S.A.U. The purpose of the publicly accessible pages is to provide information about the Group and our activities and services.
Miraltabank may modify, cancel, restrict or update the information contained on this Website and its links at any time and without prior notice.
MIRALTA FINANCE BANK, S.A. Registered in the Commercial Registry of Madrid, Volume 42,320, Folio 21, Sheet M-480937, Inscription 41. CIFA06302657. Registered office located at Plaza Manuel Gómez Moreno, 2, Planta 17-A, Edificio Alfredo Mahou, 28020 Madrid, Spain. www.miraltabank.com
Registered with the Bank of Spain as a credit institution with number 0244.
The services, financial instruments and products reflected on this Website are subject to regulation and supervision by the Bank of Spain and the National Securities Market Commission.
Intellectual and industrial property rights
This Website is the property of Miraltabank. All intellectual and industrial property rights of these pages are the property of Miraltabank and, therefore, their reproduction, distribution, public communication and transformation is prohibited, except for personal and private use. Likewise, all trade names, brands or different signs of any kind contained on the Website are protected.
Limitation of liability and restrictions
Miraltabank will not be responsible for the use made and the consequences thereof for users who access this Website and its contents.
In jurisdictions other than Spanish, access to this Website may be subject to restrictions and therefore Miraltabank is not responsible for access by any natural or legal person from other jurisdictions in which the use, access or distribution may be subject to their specific regulations.
Likewise, certain products and services may be prohibited in other jurisdictions or for certain natural or legal persons, and therefore Miraltabank may deny access to people who do not meet the requirements of residence in Spain and/or access from Spain. Access by these people will take place under their entire responsibility.
Miraltabank will not be responsible for the information included on this Website coming from third parties other than Miraltabank or accessible through links. The presence of links is for informational purposes only and does not imply a suggestion, invitation or recommendation regarding them.
Mere access to the public use pages of this Website does not imply the beginning of a contractual relationship nor is it binding on Miraltabank. It is not intended to offer any type of advice or offer of any service or any financial instrument by Miraltabank.
Any information published here reflects only the opinion of Miraltabank or its authors and is subject to change without prior notice. Miraltabank does not guarantee the accuracy, updating and completeness of all the information offered.
Miraltabank is not responsible for the use made of this information or for any damages that may be suffered by the investor who formalizes operations taking as reference the information that appears on our website as long as a customer registration has not taken place and a contractual relationship exists. under which it carries out its operations. When evaluating any instrument or product, the investor must take into account that the past evolution of securities and instruments or the past results of investments do not guarantee future evolution or results.
Technical and operational aspects
Access to the Website may be temporarily restricted due to operational or other reasons. Miraltabank will not be responsible for losses or damages due to the Website being temporarily unavailable or for errors or interruptions caused by incompatibility between browsers or computer versions, the configuration of systems and applications, viruses or any other incident of a similar nature.
Miraltabank has a Client Defense Regulations
which establishes the procedure and ways to raise any complaint or claim and to which the Customer Service Service is subject in its actions.
If you wish to file a complaint or claim, you can do so in the following ways:
Address your writing to:
Miralta Finance Bank, S.A.
Customer service department
Plaza Manuel Gómez Moreno, 2, Floor 17-A Alfredo Mahou Building.
Or send an email to:
Once your complaint or claim is received by the Customer Service, if you are not satisfied with the response or solution offered, or if two months have passed without you having obtained a resolution, you may contact the Bank of Spain and the CNMV through its claims services, from which it handles possible customer claims against the entities they supervise. These claims may be submitted electronically through the forms available on the websites of the Bank of Spain and the CNMV.
Bank of Spain
Entity Conduct Department
National Stock Market Commission
In any case, it will be necessary to exhaust the procedure before the Miraltabank Customer Service before being able to present your complaint or claim to the Bank of Spain or the CNMV.
Below is information regarding the regulatory regulations regarding transparency and protection of financial services clientele:
- Law 22/2007, of July 11, on distance marketing of financial services intended for consumers
- Order ECO/734/2004, of March 11, on Customer Service Departments and Services and the Customer Ombudsman of financial institutions
- Order EHA/1718/2010, of June 11, on the regulation and control of advertising of banking services and products
- Order EHA/2899/2011, of October 28, on transparency and protection of banking services clients
- Order ECC/2502/2012, of November 16, which regulates the procedure for submitting claims to the claims services of the Bank of Spain, the National Securities Market Commission and the General Directorate of Insurance and Pensions
- Order ECC/2316/2015, of November 4, relating to information obligations and classification of financial products
- Circular 5/2012, of June 27, from the Bank of Spain, to credit institutions and payment service providers, on transparency of banking services and responsibility in the granting of loans
- Circular 7/2013, of September 25, of the National Securities Market Commission, which regulates the procedure for resolving claims and complaints against companies that provide investment services and response to queries in the field of the securities market.
- Circular 4/2020, of June 26, from the Bank of Spain, on advertising of banking products and services