General remarks

In accordance with the provisions of Qualified Law 15/2003 (LQPD) of 18 December on personal data protection, Vall Banc, SA hereby informs any user who makes direct or indirect use of the web page that their data may be incorporated into a file owned by Vall Banc, SA which may process them and make use of them in accordance with the law. For these purposes, Vall Banc is comprised of Vall Banc, SA and its subsidiary companies, as listed on


Basic principles of the privacy policy

In application of the law and under the application of a policy on personal data protection, which is governed by the principles of legality, loyalty and transparency.


By virtue of the processing Vall Banc, SA may perform on the collected data, firmly undertakes to do so in a lawful, loyal and transparent manner, preventing further processing which is incompatible with the purposes for which they have been collected.


Furthermore, Vall Banc, SA strives to guarantee the appropriate security of the above-mentioned data, including protection against unauthorised or unlawful processing and against loss, destruction or damage, by means of the application of the technical and organisational measures necessary to ensure the confidentiality and security of the personal data subject to processing. Vall Banc, SA is fully committed to the confidential management and security of the data of its users.


Vall Banc, SA emphasises the importance of regularly reading the policy on personal data protection, as it may incorporate useful updates and/or modifications and it is important to know whether the user is in agreement with the new terms and conditions.


What do we use the information collected for?

Our web page can use the information collected to improve the services and products and tailor them to our customers and applicants. In this regard, this includes the sending of notifications via other channels established for this purpose, with information related to new products, as well as any other advertising information we deem relevant for our users and/or customers.


Why do we use your personal data?

  1. For the purposes and with the legitimation indicated on each of the personal data collection forms on the website. 
  2. To attend to, manage and answer any queries, questions and requests presented by users via the assistance channels enabled by Vall Banc, SA.
  3. To improve the web pages and tools owned by Vall Banc, SA as well as the products and services, in order to offer a better service to users.
  4. To manage the sending of commercial correspondence on our own products and services and those of third parties.
  5. To comply with the legal obligations of Vall Banc, SA.


What rights do users have with regard to their personal data?

All persons have the right to obtain confirmation as to whether Vall Banc, SA is processing personal data concerning them.


All persons have the right to exercise, at any time, the rights of access, rectification, deletion and opposition to the processing of their personal data by sending a formal letter, which must include the identification of the person, along with a copy of a document certifying their identity, to


In this regard, interested parties may request the rectification of incorrect or inaccurate data and request their deletion from the files of Vall Banc, SA when, among other reasons, the data is no longer necessary for the purposes for which it was collected, provided that the above is possible in accordance with the particular legislation in which the LQPD describes it as being of a supplementary nature and for the reasons included in article 24 of the LQPD.


In addition, under certain circumstances, interested parties may request the restriction of the processing of the personal data and also exercise the right of opposition to the said processing. Under this premise, Vall Banc, SA will refrain from processing them, except when it has legitimate reasons to do so or for the exercising or defence against potential claims, as well as the exceptions established in the applicable regulations.


In the event of the user’s or customer’s opposition or failure to grant consent to the processing of the personal data, the said data will be excluded from all files subject to processing for commercial or marketing purposes or for any other objective which is not of a supplementary nature in the terms of the LQPD and in the premises stipulated in article 24 of the said law.


Similarly, we inform you that you have the right to withdraw the consent granted at any time, without this affecting the legitimacy of the processing based on the consent prior to its withdrawal.


How long will we retain your data for?

The personal data of users, customers and suppliers that Vall Banc, SA compiles by means of the various contact or information collection forms will be conserved until the interested party requests their deletion, provided this can be carried out in accordance with the current legislation and article 24 of the LQPD.


In this regard, the above-mentioned data will be retained for as long as the contractual relationship between the parties lasts, abiding by, in any case, the minimum legal periods of conservation, depending on the subject thereof.


In any case, Vall Banc, SA will store the personal data for a period of time which is reasonably necessary and legally enforceable, taking into account our needs to reply to any questions posed and to resolve conflicts, implement improvements, activate new services and meet the requirements stipulated in the applicable legislation. This means that we can conserve your personal data for a reasonable period of time, even after you have stopped using our products or this web page. Following this period, your personal data will be deleted from the files of Vall Banc, SA.


Data controller

Vall Banc, SA is the data controller for all the personal data obtained from its customers and users for the purposes of Qualified Law 15/2003 (LQPD) of 18 December on personal data protection.


In the event of any issue relating to the protection of your personal data, you may contact the Vall Banc, SA data protection officer by sending an email to (for the attention of Mrs. Desiree Vela) or by phoning +376 750 760.


Vall Banc, SA is a banking institution registered in the Principality of Andorra under licence number EB09/2015, with its registered office at Av. Carlemany 119, in Escaldes-Engordany, Principality of Andorra.