Legal notice

The ICF Group is aware of the need to ensure security in its communications. This section compiles all the most important aspects of security and the cookie policy; the technology used to gather information on how our website is used.

This website is designed to be viewed on the browsers Google Chrome 65.0, Microsoft Internet Explorer 11.0 and Firefox 57.0, as well as their corresponding subsequent versions. If these browsers have not been updated to the versions mentioned, or if other browsers are used, we do not recommend that you use the website as it may result in browsing errors.

Data exchange security on the transactional part of our website (https://web.finempresa.cat) is a fundamental aspect of the relationship and trust between the ICF Group and its stakeholders. The security protocols dedicated to this are reliable, transparent and comprehensive.

In order to protect communication and data transmissions between stakeholders and the ICF Group, the content is encrypted using a Verisign SSL (Secure Socket Layer) certificate. On the navigation screen, this level of security can be spotted when the standard access protocol, 'http://', is exchanged for a secure one, 'https://'.

Anybody can access the full website of the ICF Group, without any kinds of restrictions or authentications.

The security level is only increased when you visit the financing request area (https://web.finempresa.cat), and when a loan is formally requested, the ICF Group will provide the applicant with confidential access to all information and transactions that take place within this environment, by sending them an email.

Definition 

A cookie is a file that downloads to your computer when you access websites like ours. This files store and retrieve information about your browsing habits and can be used to improve the website’s service and browsing experience.

ICF’s cookies

As required in Act 34/2002, of 11th July, ICF informs that our website uses cookies to ensure its proper running and fluent navigation. All our cookies have this aim –they are technical devices and gather only that information that is strictly necessary to enable electronic communication between user and website. Under no circumstances has or will ICF Group commercialize these data.

Third party cookies

This website also uses third party cookies to facilitate connectivity with social networks (Facebook and Twitter), navigation and searches (Google), and to compile statistics on access to our own ICF Group website (states.webtrendslive). ICF Group does not commercialize the data that may be stored.

Disabling cookies

Further to the above-mentioned guarantees, the user can also limit in the browser which cookies they accept through the privacy configuration options under its “options” tab.

 

The ICF website may contain plug-ins, direct access icons, for different social networks. The use of these networks is governed by different security, privacy and confidentiality policies to those of the ICF Group.

 

In accordance with article 17.1 of Act 19/2014, of 29 December, on transparency, access to public information and good governance, content and data can be reused whenever the source and date of update are cited, as long as the information is not misconstrued (Article 8 of Act 37/2007, of 16 November, on the reuse of public sector information), and no specific licences are contradicted.

The Prevention of Money Laundering and Terrorist Financing is one of the main instruments to face the problems derived from crime and criminal organisations. The ICF Group is obliged to comply with legislation in force in this area, and has established a range of different prevention policies and procedures.

Article 83 of Act 10/2014, of 26 June, on the regulation, supervision and solvency of credit institutions, establishes the duty to not disclose information, which is applied to the ICF with respect to receipt of information and its customers. For the purposes of this confidentiality agreement, 'confidential information' is deemed to be all information received from the requesting company or individual, and not from third parties, which is not public and open, and which cannot be obtained by the ICF from public records or other sources of information to which any third party could gain access.