Legal Notice

General Terms and Conditions of Use.

Official GRUPO SANTANDER CONSUMER website which aggregates both SANTANDER CONSUMER FINANCE, S.A. and its affiliate companies. Hereinafter, any reference to GRUPO SANTANDER CONSUMER shall be understood as referring to both SANTANDER CONSUMER FINANCE, S.A. and its affiliate companies. This website is the property of SANTANDER CONSUMER FINANCE, S.A., an institution registered with Banco de España (the Bank of Spain) under number 0224, with its registered office in Madrid, Avda. de Cantabria, s/n, 28660 Boadilla del Monte, Madrid. All of the products and services provided by SANTANDER CONSUMER and its affiliate companies are subject to the legislation in force and are under the supervision of the Bank of Spain, the CNMV (Spanish Securities & Exchange Commission) and other regulatory bodies.


  • Please read the following terms and conditions carefully. By accessing this address and any of its pages (hereinafter referred to as the “Website”), you will be considered a user and it is presumed that you have accepted these General Terms and Conditions. Access to certain pages of this Website may be limited by the laws and provisions of the jurisdictions of different countries. Should this be the case, you will not be given access to part of all of the Grupo Santander Consumer Website.
  • The information contained on this Website, including certain products and services, is primarily intended for distribution or use by individuals, companies, businesses, trusts, legal individuals or bodies or any other entity (hereinafter referred to as “Persons”) residing in Spain or accessing from Spain, for which reason Grupo Santander Consumer declines any and all responsibility for access by Persons in jurisdictions where such distribution or use could be contrary to legislation or regulations. Certain products and services may not be available or may be prohibited in all jurisdictions or for all Persons, and as a result, Grupo Santander Consumer may restrict or deny access to those not meeting the requirements of residence in and access from Spain.



Grupo Santander Consumer has obtained the Information and materials included on the Website from sources considered reliable. However, although reasonable measures have been taken to ensure that the Information contained is correct, Grupo Santander Consumer does not guarantee that it is precise, complete or up-to-date, and as a result, it should not be relied upon as though this were the case. Grupo Santander consumer expressly declines any liability due to error or omission in the Information contained on the pages of this Website.

Grupo Santander reserves the right to modify, suspend, cancel or restrict the content of the Website, as well as the links or information obtained through it, without prior notice.

Under no circumstances will Grupo Santander Consumer, its branches and/or directors, employees and authorised staff be liable for any type of damage, loss, claim or expense of any kind, whether this or otherwise from the use of the Website, the Information acquired or accessed through or by it, for any computer viruses, from operating faults or interruptions in the service or transmission, or faults on the line. The use of the Website, by both direct connection and link or by any other means, constitutes a warning to any user that these eventualities may occur.

It is prohibited to transmit or send any illegal or illicit content, computer virus or message through the Website that could, in general affect or infringe the rights of Grupo Santander Consumer or third parties.

Grupo Santander Consumer accepts no liability for external websites that can be accessed through links or for any content provided by third parties. Any use of a link or access to an external website is undertaken at the will and exclusive risk of the user. Grupo Santander Consumer neither recommends nor guarantees any information obtained by or through a link, not does it accept liability for any loss, claim or damage derived from the use or misuse of a link, of from the information obtained through it, including other links or websites, from interruptions in the service or in access or from the attempt to use or misuse a link, either when connecting to the Website or when accessing information on other websites from the Website.

The Website sometimes uses Cookies, which are small data files created in the user’s computer that make it possible to obtain the following information:

  • Date and time the user last visited the Website.
  • Contents design chosen by the user on his/her first visit to the Website.
  • Security elements involved in controlling access to restricted areas.

The user has the option of preventing the creation of Cookies by selecting the respective option in his/her browser, although their disabling may prevent the site from working properly.


This Website provides no type of investment recommendation or legal, tax or other advice, and nothing included on it should be taken as the basis for investments or decision-making. Similarly, the information contained on this Website is published for general use and does not take into account specific investment objectives, financial status or the particular needs of any Person. You should obtain suitable and specific professional advice before deciding on any investment. The value of the investments may rise or fall, a fact that investors must accept, including the risk of not recovering all or part of the amount invested. Furthermore, the announcement of past returns does not constitute a promise or guarantee of future returns.

The contents of this Website are solely for information purposes and should under no circumstances be used or considered as an offer of sale, request for an offer of purchase or a recommendation to undertake any other transaction, unless expressly so stated. Any decision to purchase by the recipient should be adopted being in mind the public information available on the security in question, and where applicable, in line with the contents of the prospectus registered with the CNMV (, available from the CNMV and the Governing Body of the respective market, or through the issuing company.

RESTRICTIONS IN THE UNITED KINGDOM: Persons who, from outside the United Kingdom, make their investments through a Grupo Santander Consumer institution not resident in the United Kingdom, will not be covered by U.K. investor protection laws and regulations. These include the right to certain compensation, cancellation rights, access to claim, arbitration and other bodies.

Publications and reports contained on this Website, when issued in the United Kingdom, must have the prior approval of the London branch of Banco Santander, S.A., which is regulated by and is under the supervision of the Financial Services Authority (FSA).

RESTRICTIONS FOR U.S. CITIZENS (including any citizen of or person resident in the United States or any legal institution incorporated in or under U.S. law or any political subdivision thereof): If you are a United States citizen or you are accessing this Website from the United States of America (including its territories, possessions and the District of Columbia), we would like to inform that that through this site, Grupo Santander Consumer offers you the possibility to contract and receive information on unregistered securities according to the U.S. securities Act of 1933 and its respective amendments. In accordance with the aforementioned regulation, such securities must not be purchased, transferred, delivered or sold (directly or indirectly) in the United States of America, except when the laws and regulations of that country regarding securities permit as such, either through registration or exemption.

Under no circumstances will Grupo Santander Consumer be liable for any losses, damages, penalties or any harm that could arise, directly or indirectly, from the use of this Website or its contents by U.S. investors.

INFORMATION FROM THIRD PARTIES – REUTERS: Grupo Santander Consumer may include reports from third parties, occasionally provide advisory services or maintain relationships with issuing bodies, negotiate securities or other investments, hold positions with such companies, act as a market maker or support the business of the companies mentioned in a publication or analysis report. Grupo Santander Consumer accepts no liability whatsoever for any loss, direct or induced, as a result of the use of such publications or analysis reports. Likewise, such information may not be reproduced, distributed or published by any recipient, whatever the purpose may be.

The Reuters contents are the intellectual property of Reuters. Any form of copying, publishing or distributing the Reuters contents without the prior consent of Reuters, including cache, frames techniques or similar resources, is expressly prohibited. Reuters is free of any liability with respect to any error or delay in the contents or to any action that may be taken on the basis of such error or delay. Reuters and the Reuters Logotype are registered trademarks of the worldwide Reuters group. For further information, visit the Reuters website at


This Website is the property of SANTANDER CONSUMER FINANCE, S.A. The copyrights and operating and reproduction rights of this Website, its pages, screens, the information they contain, their appearance and design, as well as the hyperlinks from it to other web pages of any company belonging to Grupo Santander Consumer are the exclusive property of the latter, unless otherwise specified. All names, designs and/or logotypes which comprise this Website and duly registered trademarks. Any undue use of the latter by persons other that their legitimate owner may be prosecuted in accordance with current legislation. The copyrights and trademark rights of third parties are suitably highlighted and must be respected by anyone accessing this Website. The contents may be downloaded and any page on this Website copied or printed for personal and private use only. It is prohibited to reproduce, transmit, modify or delete the information, content or notices on this Website without the prior written authorisation of Santander Consumer Finance, S.A..


These general terms and conditions are governed by Spanish legislation.

© Santander Consumer Finance, S.A. All rights reserved.