Disclaimer of liability for content and services provided

The material on this website is provided for information purposes only. The Banco de España, the IORWG and its members, reserve the right to suspend publication, completely or partially, to modify the structure and content of the site without prior notice, and also to limit or deny access to the material. The Banco de España, the IORWG and its members aim to ensure the information is accurate and up to date and to avoid, or minimise the consequences of, any technical errors. However, it does not guarantee that this service will not be interrupted or affected by such errors.

As a consequence of the foregoing, the Banco de España, the IORWG and its members shall not be liable for any loss or damage resulting from decisions taken on the basis of the information published on this site; or for any inaccuracies, omissions or errors it may contain, or for any problems arising from use of this website or any external connection; or for any loss or damage to users' software or hardware arising from accessing this web site, or from downloading programmes or files included on it. The Banco de España, the IORWG and its members do not guarantee, nor does it accept any responsibility for, the accuracy of reproduction on this site of documents published on paper, or for the links and references to other sites or for the information published by third parties in which it is cited as the source.

The user, by accessing any part of the IORWG website, is deemed to accept and to agree with the foregoing.

IORWG website copyright

All the pages of this website are Copyright ©International Operational Risk Working Group (IORWG) and its members, Madrid, Spain, 2016. All rights reserved.

The text, logo, photographs and graphics included and disseminated on this website, as well as their form of presentation, are owned exclusively by the IORWG and its members, which possesses all rights in relation to their use, directly or by agreement with third parties. The logo is a registered trademark of IORWG and its members. Nothing contained on this website should be construed as granting any license or right to use this trademark. The IORWG and its members do not grant any general license to use, or any general authorization in respect of, its industrial or intellectual property rights, or any other property or right associated with its website, except by express written agreement with third parties, and it reserves the right to modify at any time the terms and conditions for use of the information published on its website which are set out below:

Users of the IORWG website are free to make personal use of the information obtained directly therefrom, including making copies in RAM or any other temporary storage device. Any other use of the information, other than merely for personal consultation, is authorized only if the following terms and conditions are observed and complied with:

  1. Any distribution or reproduction of information disseminated on the IORWG website shall be carried out faithfully, without any manipulation or alteration of the content, and the IORWG shall always be cited as the source.
  2. When such information is incorporated into documents or other media that are to be sold or transferred for consideration, the individual or legal entity publishing or disseminating the information by whatever means, shall inform buyers and/or transferees that the information may be obtained free of charge from the IORWG and members website, both before they pay any subscription or fee and on each occasion that the information taken from the IORWG and members website is made available to them.
  3. Information obtained from the IORWG website may be used by the user, provided that when such data is disseminated the IORWG is clearly cited as the source.
  4. When there are links from any website to the IORWG site or to any page thereof, the page in question shall appear in its own window and shall be the only element on the screen (pages shall not, for example, appear inside the frame of another website).

Users undertake to abide by the terms and conditions set out above for the use of this website and its services, the IORWG reserving the right to bring any kind of legal action for any remedy available to it in the event of breach of such terms and conditions.

Domain owner:
Banco de España
C/ Alcalá, 48
28014 Madrid
Some services are located at:
C/ Alcalá, 522
28027 Madrid

Switchboard: (34) 91 338 5000

Tax Identification Number-: Q2802472G (CIF V28000024 valid until 21 June 2018)