Contract Framework of general conditions of the contract for members of the VENTAJON and IKEA Family fidelity program

1. Object and duration of the contract
The parties agree that the clauses included in the present contract must be considered general conditions of the contract, to the indicated purposes at the Law 7/1998, from April 13th, of General Conditions of the Contract.

These general conditions of the contract (henceforth, GCC) rule the relation between the Client (hereafter the Client) and VENTAJON, S.A., with social domicile at Las Palmas Gando Highway KM12 - 35219 Telde with TIN A-35442904 (henceforth VENTAJON). VENTAJON has created and directs a fidelity program with the commercial names of “Ventajon – Club de Ventajas” (from now on, Program) where it includes different intermediation and information services to the Clients/members of the Program about discounts, purchase voucher -VENTAJON cash or IKEA cash – and advantages that the companies associated to the Program (Associated Companies) offer, as well as products or services that these companies can commercialize through the webpage marketplace http://www.ventajon.com and of online travel agency services. Through an agreement with SARTON CANARIAS, S.A., IKEA franchisee for Balearic and Canary Islands has created, direct and manages the IKEA Family Fidelity Program (henceforth, also Program). VENTAJON also acts as intermediary or external collaborator between the Client and the supplier, among others, of financing services, of the emission of credit and debit cards, and insurance contracts.

VENTAJON has expressly and previously informed the Client, in the capacity of adherents, the existence of the general conditions that are related to the present document. The Client manifests that they know the conditions, that they comprehend them and that, in consequence, accepts their incorporation to the contract.

The duration of the contract will be indefinite, being possible to finish it as it is stated in the clause 3 “Contractual modifications, resolution and termination”. The TIN and email, postal code/domicile and telephone number of the Client constitute the essential needed data to identify and to communicate with the Clients members of the Program and must be indicated in all communications with VENTAJON. The entry request of the VENTAJON Program is automatically cancelled 90 days after if the Client does not confirm the acceptance of the present general conditions of the contract, without having any right generated to the requester in that case.

2. Rights and obligations of the parties
For the functioning of the Program, it is necessary that the Client accepts these general conditions and that, at the same time, they add their email address, telephone number and postal code/domicile in their entry request of the Program. The Client that does not provide their email or telephone number cannot have access to the promotions, advantages and discounts of the Program. All VENTAJON notifications will be directed to the email address, via telephone number or to the online account of the Client (user account of the www.ventajon.com web). The Client will receive messages through different means such as, for example, email, SMS, other services or messaging networks, telephone calls or postal mail.
The messages will have an informative and transactional nature, destined to communicate the client the obtained discounts regarding the products and services the Client acquires from the companies associated to VENTAJON/IKEA Family Program, as well as available and current discounts, promotions and advantages. Furthermore, messages can be sent in the framework of administrative and/or management tasks (i.e., acceptance of the entry request of the Card Attached to the VENTAJON or IKEA Family Program, period and place for its collection, etc.). The nature of these transactional messages is informative and non-promotional.

Moreover, advertising messages can be sent to the member of the VENTAJON and/or IKEA Family Program, which will include the acronym Ad/Advertisement. The frequency and means in which these advertising messages can be received can be regulated by the Client through their online account. As provided in the article 21. 2 of the Law 34//2002 of July 11th on Services of the Information Society and Electronic Commerce, the subscription to this Contract Framework (previous contract relation) will allow the delivery of marketing or promotional communications via email or other equivalent electronic communication means except if the client communicates their intention to oppose to the treatment of their data for marketing purposes when subscribing the present Contract or any of the posterior marketing communications they receive.

On the other hand, to participate in the Program it will be necessary in general that the Client completes a request from any of the modalities of the Cards attached to the VENTAJON and/or IKEA Family Program, which in said moment will already be part of the Program. Likewise, the Clients that subscribe an insurance contract associated to the Program or contract any trip or service with the Online Travel Agency Viajeros Ventajon can participate in the Program, according to the terms and conditions established in the Clauses 6 and 7 of these General Conditions of the Contract. For the good functioning of the Program, it is necessary that personal data provided by the Client is correct and updated in case of variation of said data. The Client will be responsible of any false, incorrect or inexact manifestation about their personal data, as well as the prejudices that said manifestation may cause. Participation in the Program by the Client does not involve other expenses than the ones established in the GCC. The obtained discounts, advantages and benefits and other rights and obligations emanating from the present contract are personal and nontransferable to third parties.

VENTAJON will respond to the damages caused to the Client that derive from the culpable infringement of the obligations they have assumed on the present GCC. Any other responsibility or damage derived from the non-compliance or wrong compliance of the obligations established by VENTAJON in the present GCC is subjected to a minimum yearly limit of 500 €. VENTAJON is not responsible for the acts or omissions of Companies Associated to the VENTAJON Program, since they act as a mere intermediary between them and the Clients.

3. Contractual modifications, resolution and termination
VENTAJON reserves the right to introduce changes at any moment on the present GCC or any other condition or regulation related to the development of the Program. The modifications made will come into force a month after the modification’s date of notification in the webpage www.ventajon.com and the Clients will be notified through email or SMS to the email address or telephone number present in the request or, in that case, in the data update made by the Client. If the Client, after knowing the new conditions, rejects them, they can resolve the contract through their notification to VENTAJON according with what has been stated in the
clause 4.3 of this contract. The complaint, therefore, must be made previously to the application of new conditions, for said conditions to be appliable.

Without prejudice to the Client’s right to resolve the contract related to the Program in the previously mentioned terms, any modification in the GCC or the terms and conditions of the intermediation from different products and services offered through the VENTAJON and/or IKEA Family Program, will be understood as accepted by the Client and will be applied a month after the modification’s date of notification in the webpage www.ventajon.com or the delivery date of the email or SMS to the email or telephone number present in the request or, in that case, in the data update made by the Client, communicating the modification of the GCC, in case of not communicating to VENTAJON their non-acceptance before the come into force planned date.

VENTAJON reserves the right of being able to resolve the contract related to the Program through the email address provided by the Client or, failing that, to the Client’s online account and demand them, in that case, the pertaining responsibilities for the improper, unauthorized and fraudulent use of the Program if they do not comply with the present GCC, as well as in the case of supervening impossibility for VENTAJON to provide their services. Both parties can resolve the present contract with complete indemnity and without needing to provide a rightful cause, thus ending the Client’s participation in the Program, through written notification to the other party at least one month in advance to the resolution planned date.

4. Functioning of the fidelity program. Application and settlement, discounts in cash or cashback, purchase vouchers – Ventajon cash – or IKEA cash and other advantages.

4.1 Discounts in cash or cashback
The associated companies offer discounts in cash or cashback through the VENTAJON program to the clients that own a debit or credit card adhered to the program. Without perjury of VENTAJON’s right to deny the incorporation to the program of the requesting client, they will enjoy of the program’s emanating rights from the moment of the delivery to the authorized personnel in the enabled sale points by VENTAJON of a copy of the contract present general conditions, rightfully signed or from the date of its acceptance or the telematic delivery through the VENTAJON app or webpage www.ventajon.com, along with the authorization of the credit discount in cash or cashback generated in the operations and acquisitions of goods and services by the associated companies performed through any of the credit or debit cards adhered to the program (and, in that case, of the corresponding deposits for cancellations of discounts, returns, etc.).

The client accumulates a discount when purchasing in the companies associated with the program, exclusively in the operations performed with their debit or credit card adhered to the program, except in purchases made in deferred payment without interests or when the interests are undertaken by the associated company.

VENTAJON will only deposit or exchange the discounts that appear each moment in the associated companies guide that is at the disposal of the client in the webpage www.ventajon.com. The discounts of different promotional campaigns from the associated companies are not cumulative. In these cases, the promotional campaign with the higher discount for the client will be applied.

The discounts will be accumulated and will be counted in monthly periods and will be deposited, through bank deposit 35 after the end of the counted month, as long as the client has removed and activated their credit card adhered to the program or activated their digital debit card adhered to the program and having at least accumulated in said monthly period the minimum accumulated discount amount established in the Annex 1 – Table of discounts and advantages. Minimum and maximum limits. In case of not reaching said minimum discount amount, it will be added to the amount of the following period and will be deposited in the period in which the minimum amount is surpassed.

The outstanding balances of the credit will not produce any interests. After a month, the limit established in the Annex 1 – Table of discounts and advantages. Minimum and maximum limits will be deposited, without allowing the amount that exceeds said maximum to be accumulated in later periods. VENTAJON reserves the right to modify the monthly credit’s discount maximum and minimum limits at any moment.

The client can consult their accumulated discounts for the purchases made in their online account at www.ventajon.com. If, in the period of 35 days after the movements statement notification, the client does not present a written complaint, it will be understood as conformity with the accumulated discount.

In the case of a client’s complaint, VENTAJON can ask request for the purchase invoice, to verify the justification or the right to said discount. Any balance accumulated by outstanding payment discounts that has not been deposited to the client for causes non-attributable to VENTAJON expires after 12 months, regardless of the cause that prevented said credit.

VENTAJON is only responsible for the credit of the discount obtained for the use of the credit or debit card adhered to the program, without assuming any responsibility on the Clients or third parties regarding the associated companies’ products or services which purchase made by the Clients produce said discounts. The discounts are not offered by the VENTAJON program, but by the associated companies in favor of the clients, limiting VENTAJON, S.A, to intermediate and obtain from the associated companies the amount of said discount for its effective deposit to each client in the bank account or electronic money or indicated payment by them.

The client will receive a monthly movement invoice where their purchases made at the companies associated to the program will be detailed, with dates, amounts and discounts in cash that will be deposited in the bank account or via electronic money and/or informed payment. The monthly delivery of said movements is an essential condition for the correct functioning of the fidelity program.

If the client wishes to receive the movement invoices via postal mail they will have to assume the cost for the emission and postal delivery of the invoice, whose amount appears reflected in Annex 1 – Table of discounts and advantages. Minimum and maximum limits. The costs that must be assumed by the Client for the emission and postal delivery of the discounts invoice will be subtracted from the monthly discount amount that VENTAJON must deposit. Alternatively, the client can choose to consult the invoices through the webpage www.ventajon.com without any cost, previous request to the effect of the webpage.

VENTAJON reserves the right to cancel the balance of accumulated discounts and demand, in that case, the corresponding responsibilities to the client that makes improper, unauthorized or fraudulent use of the fidelity program or the card adhered to the program, or that does not
comply with the present GCC, or non-payment of an invoice or charge, lack of payment or replacement of any deposited discount that must have been canceled later on due to non-attributable causes to the client. Shall the balance be negative, the termination of the contract will require the settlement by the clients of the outstanding amount in favor of VENTAJON.

4.2 Purchase vouchers – Ventajon cash discounts or IKEA cash
Ventajon cash discounts will be offered – purchase vouchers or IKEA cash for different operations, activities and incentive uses by VENTAJON, as well ass purchases made by the clients with their card adhered to the program in companies (whether they are associated to the program or not).

The CASH discounts – Ventajon cash – or IKEA cash consists on an euro amount that is executed and refunded in the form of a purchase voucher for said amount to be exchanged or discounted from the purchases made in the companies indicated in the CASH advantages guide in the web www.ventajon.com. The purchase voucher will be emitted 35 after the end of the calendar month and its amount is subjected to minimum and maximum amounts in the Annex 1 – Table of discounts and advantages. Minimum and maximum limits. Any accumulated cash discount that exceeds the maximum limit indicated in the Annex, will not be taken into consideration to these purposes nor the excess will be deposited in later periods.

The purchase voucher is non-transferable, the use is strictly personal and with the validity period since its emission that established the very voucher except that the included purchase voucher conditions of use state otherwise, it must be used in its totality in a single purchase. For purchases made paid with a purchase voucher, the returns and warranties policy will be applied, established by the product/service acquired seller.

The VENTAJON/IKEA Family fidelity program might promote in the future other activities and transactions through this formula or other similar ones, in advance or before the transaction (i.e., purchase money) , in which case, they will be included through the publication of special discount promotions in the www.ventajon.com webpage or through email or SMS addressed to the client.

4.3 Notification
The communications, notification and documentation that must be made in virtue of the present contract will be made to the client in their provided email for this purpose, via SMS to their telephone number or in the online account created for them in the www.ventajon.com webpage.

The communication to VENTAJON that the client might make will be performed via email to the customer client’s services address: atencion@ventajon.com.

The client is obliged to notify VENTAJON the changes in email addresses and telephone numbers, through the means put at their disposal by VENTAJON, to that purpose, through its updating, having to endure any loss that might result from the not updated, incorrect or inexact information submission.

5. General conditions to the cards adhered to the VENTAJON program

5.1 General conditions of the credit cards adhered to the VENTAJON program
5.1.1 General conditions of the VISA VENTAJON credit card emitted by Caixabank Payments & Consumer

CAIXABANK Payments & Consumer E.P.C; E.P, S.A.U., from now on CAIXABANK or CPC, credit establishment registered in the Bank of Spain with the number 8776 and subjected to the supervision of said bank, is the issuing and management entity of the credit card VISA VENTAJON adhered to the VENTAJON fidelity program, being a payment instrument apart from being a credit facility. General conditions of the VISA VENTAJON card are ruled by the General Conditions of the Contract of card from Caixabank Payments & Consumer accepted by the client.

The debit balance of the card must be refunded according to the refund modality selected by the client, among the ones of paid at the end of the month or delayed payment (revolving and/or instalments), including in this last case the accrual of the established interest by the CPC.

As it is established in the clause 20.4 of the General conditions of the contract of Caixabank Payments & Consumer card, the VISA VENTAJON Credit card is issued in collaboration with collaborative entity VENTAJON, S.A., owner of the VENTAJON fidelity program, constituting a fundamental characteristic of the card the access of the contracting party to said Fidelity Program and their discounts, promotions, incentives or advantages.

In consequence, according with the stated in the mentioned clause 20.4 and the rest of the General conditions of the contract of CAIXABANK cards and in accordance with the provisions of the General Data Protection Regulation, CAIXABANK will communicate to VENTAJON, S.A. the personal data and transactional of the contracting party and/or owner of the VISA VENTAJON card with the purpose of collaborating, managing, executing and follow-up from the VENTAJON Fidelity Program to which the owner adheres said credit card, according with the terms and conditions established between CAIXABANK and the client.

Furthermore, for being necessary to the good functioning of the program, the client owner of the VISA VENTAJON CARD authorizes VENTAJON S.A. to request and obtain in their name to CAIXABANK the access to the personal data of the Client, as well as the data regarding their registration, resignation and transactions of the VISA VENTAJON credit card adhered to the VENTAJON Program, according the regulations about Data Protection and according to what it is established in the clause 9 of this contract.

The discounts obtained through the VISA VENTAJON credit card will be accumulated and counted in monthly periods and will be deposited through bank transfer, to the bank account indicated by the Client in the registration request form in the Program, 35 days after the end of the counted month, provided that the Client has removed and activated previously their VISA VENTAJON credit card.

For any problem with the functioning of their card’s operations, the client can contact Caixabank Payments & Consumer, E.P.C. E.P., S.A.U. through the provided form in the web www.caixabank.com.

5.1.2 General conditions of the IKEA Family MASTERCARD issued by Santander Consumer Finance, S.A.
Santander consumer Finance, S.A. (hereafter, SCF), credit establishment registered in the Bank of Spain with the number 0224 and subjected to the supervision of said bank, is the issuing and
management entity of the IKEA Family MASTERCARD, adhered to the IKEA Family/VENTAJON Fidelity Program, being a payment instrument apart from being a credit facility. General conditions of the IKEA Family MASTERCARD of the credit card are ruled by the General Conditions of the Contract of the Santander Consumer Finance Cards accepted by the Client.

The debit balance of the card must be refunded according to the refund modality selected by the client, among the ones of paid at the end of the month or delayed payment (revolving and/or instalments), including in this last case the accrual of the established interest by the SCF.

For being necessary to the good functioning of the IKEA Family/VENTAJON Fidelity Program, the Client authorizes VENTAJON S.A., to request and obtain in their name Santander Consumer Finance, S.A., the access to the personal data of the Client, as well as the data regarding their registration, resignation and transactions of the IKEA Family MASTERCARD credit card adhered to the VENTAJON Program, according the regulations about Data Protection and according to what it is established in the clause 9 of this contract.

The discounts obtained through the IKEA Family MASTERCARD will be accumulated and counted in monthly periods and will be deposited through bank transfer, to the bank account indicated by the Client in the registration request form in the Program, 35 days after the end of the counted month, provided that the Client has removed and activated previously their IKEA Family MASTERCARD.

For any problem with the functioning of their IKEA Family MASTERCARD operations, the client can contact Santander Consumer Finance, S.A. in the client’s area of the web www.santanderconsumer.es.

5.2 General conditions of the VENTAJON DEBIT CARD through which any debit or credit card owned by the client and is linked as support card to the VENTAJON DEBIT CARD can obtain the benefits of the VENTAJON/IKEA Family program
The VENTAJON debit card is digital card (although if it is requested by the client it can be issued as physical card by depositing beforehand the fee to said service specified in Annex II) associated to an electronic money account and of associated payment, to which the client can link or attach, as support card to the payments made with the VENTAJON debit card, any other debit or credit card that the client desires, allowing that, in practice, any debit or credit card owned by the client can, through the VETNAJON credit card, obtain discounts advantages and benefit, although it always must be predetermined as support for each transaction in one single card. In any case, it is not possible to link more than five credit and/or debit card to the VENTAJON debit card. Linking any additional card to the maximum of five will require the previous unlinking of any of the previously linked cards.

Discounts in cash that according to clause 4 of this contract, are generated by the purchase of goods or services made with the VENTAJON debit card will be deposited in the electronic money account and payment account with IBAN code of the owner, associated to said card, from which the client can refund or transfer them to any bank account or use its amount in later purchases of goods or services that are made with the VENTAJON debit card.

Recharging the balance of the electronic money accounts and IBAN associated to the VENTAJON debit card will not be necessary, since operation can be performed with said Card provided that:
I. The bank account associated to the debit card linked or attached as support card in each transaction has enough balance to face the payment. II. The card linked or attached and support card in each transactions has available credit to face the payment.

The amounts provided by the client in their VENTAJON debit card will be charged in the debit or credit card linked or attached as support card to the VENTAJON debit card, albeit the client can, for each purchase or transaction, choose to charge their amount in the electronic money account and payment account with IBAN code associated to the VENTAJON debit card, as long as said account has enough balance (the balance of this account can be recharged by transfer or bank card – operating in this case as a card with a similar functionality as the payment card).

VENTAJON can negotiate in the future with financial institutions different options and favorable conditions of determent and/or fractionation of the amounts provided by the clients that own VENTAJON credit cards, that, in any case, must be expressly accepted by them.

PECUNIA CARDS EDE, S.L.U. is the issuer and manager of the VENTAJON virtual card and of the associated electronic money and payment account with IBAN code. PECUNIA CARDS EDE, S.L.U, (from now on, PECUNPAY) is an Electronic Money Entity supervised by the Bank of Spain and registered with the number CSB 6707, whose commercial name is “PECUNPAY”. The VENTAJON debit card is regulated by the General conditions of the contract of the VENTAJON debit card established by “PECUNPAY” in force at that time, that must be object of acceptance by the Client.

The VENTAJON digital debit card can be used for payments through virtual wallets from an Android or Apple phone, for having subscribed the corresponding X-Pays services with Apple and Google through PECUNPAY.

To request and obtain the VENTAJON debit card, the client must download and use the VENTAJON App providing the requested information, including a scanned copy of their ID, front and back, NIE or Passport, personal data and biometric data that are requested by PECUNIA CARDS EDE, S.L.U., to issue the debit card according with the regulation and instruction of the Bank of Spain.

For any problem related to the functioning of the card’s operative, the client can contact VENTAJON in the following email address atencion@ventajon.com. The discounts obtained through the VENTAJON digital card will be accumulated and counted in monthly period and will be deposited through a bank transfer, in the associated electronic money account and payment account with IBAN code assigned to the client, 35 after the end of the counted month, as long as the client has previously activated their VENTAJON digital debit card (or has withdrawn and activated it, in case of having requested the issuing of a physical card).

For being necessary to the good functioning of the Program, the Client authorizes VENTAJON to request and obtain in their name of PECUNIA CARDS EDE, S.L.U. the issuing entity of the VENTAJON debit card the access to the Client’s personal data, as well as the data regarding their registration, resignation and transactions of the VENTAJON debit card adhered to the VENTAJON Program, according to the regulations about Data Protection and to what has been established in clause 9 of this contract.

If by any cause intended in this contract the CLIENT causes resignation from the VENTAJON Fidelity Program, we will proceed to cancel their VENTAJON debit card.

5.3 General conditions of the IKEA Family Fidelity card
IKEA Canary and Balearic Islands is one of the Associated Companies of the VENTAJON Program. The IKEA Family Mastercard and IKEA Family Fidelity cards are part of the VENTAJON program, directed and managed by Ventajon, S.a. and, consequently, said card are adhered and have access to all the VENTAJON program advantages.

The IKEA Family Fidelity Card is a non-financial card issued by SARTON CANARIAS. S.A. (franchisee of IKEA in the Canary and Balearic Islands) and part of the VENTAJON/IKEA Family program through which discounts are offered in the form of purchase vouchers – IKEA cash – to consume products of IKEA Canary and Balearic Islands (both in physical stores and the webpage of IKEA, www.islas.IKEA.es) and other advantages.

Obtaining the Fidelity card is non-compatible with a Credit or Debit Card adhered to the Program, always giving preference, regarding discount and advantages of the IKEA Family program, to the Credit or Debit Card adhered to the VENTAJON Program.

The Client owner of Fidelity card accumulates a discount when purchasing at the IKEA stores of Canary and Balearic Islands or in their online purchase at their web www.islas.IKEA.es that is only offered in operations made when registering the IKEA Family Fidelity card. For the discount to be registered it is necessary that the Clients present the IKEA Family Fidelity Card before starting their purchase. Said discounts will be deposited through issuing and delivery or delivery of Purchase Vouchers – IKEA Cash – for the corresponding amount or discount depending on the IKEA Family promotion valid at that moment. Said Purchase Vouchers – IKEA Cash – will include an expiration date for its exchanging that is not renewable. Discounts will be accumulated and will be counted in monthly periods 35 days after the end of the counted month, as long as they have accumulated in the monthly period at least the minimum accumulated discount amount established in the Annex 1 – Table of discounts and advantages. Minimum and maximum limits. In the case of not reaching said amount of minimum discount, it will be added to the next periods balance and will be deposited in the period in which said minimum amount is surpassed. Only purchases deposited in cash or with a debit or credit card adhered to the VENTAJON Program accumulate discounts.

Purchases that might have been made before the Program’s Client had accepted the present general conditions of the Program, will be accumulated in the same calendar month of the date in which said conditions are accepted. The Purchase Vouchers can be download through the Client’s account that must be created in www.islas.IKEA.es, or through the IKEA Inspire App of Balearic and Canary Islands.

The Client can check their accumulated discounts from the purchases made in their account at www.islas.IKEA.es. If in a period of 35 days after the purchase, the Client does not present a written complaint, this shall be understood as conformity with the accumulated discount. In the case of having a Client’s complaint, VENTAJON and/or SARTON CANARIAS S.A. can request purchase invoices, to verify the right to said discount. In the case that the Fidelity Card is cancelled, the outstanding balances stay in favor of IKEA Canary and Balearic Islands, not allowing the Client to present any complaint. If the balance is negative, the Fidelity Card will be cancelled once the settlement is done by the Client from the amount still outstanding in favor of IKEA at Canary and Balearic Islands.

Since it is necessary to the good functioning of the Program, the Client authorizes VENTAJON to request and obtain in their name from Sarton Canarias, S.A. (franchisee of IKEA Canary and
Balearic Islands) the data related with their registration, resignation and transactions of the IKEA Fidelity Card, according to the regulations about Data Protection and to what has been established in clause 9 of this contract.

Apart of being regulated by the present general conditions, the IKEA Family Lite Fidelity Card is regulated by the particular conditions of the IKEA Family Fidelity card in the Canary and Balearic Islands, the web use general conditions www.islas.IKEA.es and the privacy policy established by Sarton Canarias, S.A. available in the following link: www.islas.IKEA.es.

If by any cause intended in this contract the CLIENT causes resignation from the IKEA Family Fidelity Program, we will proceed to cancel their IKEA Family Fidelity card.

6. Particular conditions of insurance request – Information previous to the requester
The client, once they have accepted these conditions and being part of the Fidelity Program, can accept the offers of insurance associated with said program. Hereafter, the information previous to the celebration of the insurance contract is provided (through the VENTAJON Fidelity Program), according with what it is stated in the article 173 of the Royal Decree-Law 3/2020 of February 4, 2020 of Private Insurance Mediation, therefore guaranteeing the protection of the Client’s rights:

a. VENTAJON, S.A. acts as external collaborator to the brokerage VENTAJA ASEGURADOS, S.L Insurance brokerage (Brokerage), with address at Parque commercial La Estrella, Parcela 7, 35212 Telde.

b. The Brokerage is registered in the Special Administrative Register of Insurance Brokers under the code number J-2921 as stated in the webpage of the General Directorate for Insurance and Pension Funds (http://www.dgsfp.mineco.es/).

c. VENTAJON, S.A. and VENTAJON ASEGURADOS, S.L. do not have direct nor indirect participation over the 10% in the social capital nor the voting rights of any insurance entity.

d. No brokerage entity has direct nor direct participation over the 10% in the social capital nor the voting rights of VENTAJON S.A., nor VENTAJON ASEGURADOS, S.L.

e. VENTAJON ASEGURADOS, S.L. has a Customer Service department in charge of assisting, resolving claims and complaints, through the Colegio de Mediadores de Seguros of Las Palmas, through an email addressed to buenogar@buenogar.com and via telephone at 900 845 522.

f. The insurance offer of the VENTAJON Fidelity Program is submitted to its consideration, has been based on an objective and personalized analysis that consists of analyzing the offered insurance contracts by several insurance entities that work in the market. Taking into consideration by petition of the VENTAJON Fidelity Program, the counseling about a selection of insurances within an assessment of merits to look for the right coverage to the requirements and needs of the Client.

g. VENTAJON, S.A. and VENTAJON ASEGURADOS, S.L. act in the name and representation of the client in exchange of a commission included in the insurance premium.

Since it is necessary to the good functioning of the Program, the Client authorizes VENTAJON to require in name of the insurance brokerage VENTAJON ASEGURADOS, S.L. the data related with their registration, resignation and transactions of the insurances they have hired through the VENTAJON Fidelity Program, according to the regulation about Data Protection, specially, the article 173.1 d) of the Royal Decree 3/2020 of February 4th, and according to what has been established in the clause 9 of this contract.

The insurance’s contracts are ruled by the legislation about private insurances and insurances distribution and the general conditions of the contract established by the insurance companies.

7. Online travel agency. Viajeros VENTAJON
Viajeros VENTAJON (ownership of the society MEDIANIS, S.L.) is an online retail travel agency (number of travel agency license I-AV-0004812-1), with domicile and address at Parque commercial La Estrella, Parcela 7, 35212 Telde, web www.viajerosventajon.com that offers discounts and advantages in the acquisition and hiring of flights, package holidays, holidays and transportation services, accommodation and others, offered by Viajeros VENTAJON, to the owners of cards adhered to the VENTAJON program.

Besides of the present general conditions, the hiring of travels with the online travel agency Viajeros VENTAJON is regulated by the general or particular conditions established by Viajeros VENTAJON and available at https://viajeros.ventajon.com/, as well as by the contracts of the combined travel services established by the retail travel agencies that are hired and the general and particular conditions from the rest of suppliers of transportation services, accommodation and other commercialized services by Viajeros VENTAJON.

Since it is necessary to the good functioning of the Program, the Client authorizes VENTAJON to request and obtain from Viajeros VENTAJON (Medianis S.L society) in their name the data related to contracting and transactions between the client member of the VENTAJON Fidelity Program and the online travel agency, according to the regulation about Data Protection, and to what has been established in clause 9 of this contract.

8. General conditions of purchases and online subscriptions at the online store and Marketplace VENTAJON
The present General Conditions of the Contract regulate the commercial relation that might arise between VENTAJON, S.A. as the web platform supplier and the user or consumer, by the contracting or purchase made through the form that VENTAJON puts at their disposal in the webpage: www.ventajon.com

Said commercial relation might be of two types, depending on the contract or purchase made by the client through said forms:

Acquisition of products or services in the online store offered by VENTAJON, S.A. acquired from the provider or dropshipper, in which VENTAJON, S.A. holds the condition of product seller to the consumers or users.

Acquisition of products or services offered in the web platform (marketplace) www.ventajon.com by the companies associated to the VENTAJON program, in which VENTAJON does not hold the condition of product seller, being a mere intermediary between consumer and seller or associated company and in which, in consequence, VENTAJON, S.A.
does nor offer any type of legal nor commercial warranty regarding the purchased product, nor has any responsibility about the state of the product. All without prejudice of the rights that protect the consumer concerning the associated company seller of the product or service acquired.

The present General Conditions of online purchases and subscriptions, are subjected to what it is stated in the Royal Legislative Decree 1/2007 that approves the consolidated text in the General Law for the Defense of Consumers and Users and other complementary laws, modified by the Law 3/2014 of 27th of March, by which the consolidated text from the General Law for the Defense of Consumers and Users and other complementary laws is modified.

Besides of the general present conditions, the purchase of products and services through the Online Store and Marketplace www.ventajon.com is ruled by the conditions of use, browsing, contract and performance that is established in the very webpage, as well as the particular conditions that are established by the companies associated to the VENTAJON program that offer products and services in said web.

9. Personal data protection policy
BASIC INFORMATION ABOUT DATA PROTECTION
 

9.1 Who is responsible of your data treatment?
VENTAJON, S.A.
Parque Comercial La Mareta, Parcela P7 - 35219 Telde (Gran Canaria) Contact representative of data protection: lopd@ventajon.com

9.2 For what and with which purpose, do we treat your data?
a. Development, control and maintenance of the fidelity program At VENTAJON, S.A. we treat the data you have provided with the purpose of managing your membership in the fidelity program, including your bank account number or electronic money and payment with IBAN code in order to deposit in it the CASHBACK corresponding amounts, VENTAJON cash discounts – purchase vouchers, advantages and benefits obtained in said program, of possible promotions and special offers, from the purchase volume made or the discounts amount obtained, as well as possible product returns.

b. Personalized commercial actions by VENTAJON, S.A. related with the VENTAJON fidelity program VENTAJON, S.A. will communicate you the advantages for being a program member and/or owner of the credit or debit cards or fidelity cards adhered to the program (through postal mail, mailing, SMS, email and any other electronic mean), except you indicate the opposite, opposing to said deliveries as indicated in the following section 9.5.

c. Personalized commercial actions about product from companies associated to the program Inasmuch you have given your authorization, we can send you communications and commercial actions of VENTAJON, S.A. (through postal mail, mailing, SMS, email, mobile app and any other telematic means) of products and services from associated companies and third entities with which collaboration agreements can be signed.

The authorizations mentioned in the sections b) and c) can be not granted or revoked once they are granted without it being conditioned in any way the compliance with the rest of terms and conditions of the present fidelity program. On the contrary, it will not be possible to participate in the fidelity program without the access to the data treatment mentioned in the section
a) for being necessary and essential for the right functioning of said program, according to what it is detailed in clause 4 of these general conditions.

9.3 Legitimation
9.3.1 The treatment of your data is necessary for the development and execution of this contract (and of the fidelity program that constitutes its object) and for that reason you must facilitate the required data. Otherwise, they cannot be assigned discounts, advantages and benefits related to the card adhered to the VENTAJON fidelity program or to insurances, online travel agency and/or purchase of products and/or services at the online Store and Marketplace www.ventajon.com.

9.3.2 In case of celebrating an insurance contract it will be necessary a data transference to the VENTAJON ASEGURADOS, S.L. brokerage to comply with the law of insurance distribution according to RD 3/2020, 4th of February, so that The brokerage can require before the insurance companies, in their name, the client’s personal data, as well as the data related with the registration, resignation and invoices from the insurances contracted through the VENTAJON fidelity program, according to the normative about Data Protection and to what has been established in clause 9.

9.3.3 Consent from the interest party to receive commercial offers adapted to their profile and of third parties. In any case, they can cancel their authorization, or remove it when they may consider it appropriate, without it conditioning the rest of the terms and conditions of the present Fidelity Program.

9.4 During how much time will we preserve your data?
VENTAJON, S.A. (and SARTON CANARIAS, S.A. regarding the IKEA Family Program) will treat your data during the validity of this contract, and during the prescription period or legal expiration or actions that derive from the contractual obligations assumed by VENTAJON and SARTON CANARIAS, S.A. regarding the IKEA Family Program, by virtue of this contract.

9.5 Which are your rights when you provide us your data?
You have the right to obtain confirmation regarding if in VENTAJON, S.A. we are treating personal data that concern you, or not and, in that case, to access your personal data, as well as requesting the rectification of inexact data or, in that case, request its suppression when, among other reasons, the data are not necessary for the purposes for which they were first gathered.

In certain circumstances, you can request the limitation of your data treatment, in which case, we will only preserve them to exercise or assist complaints, albeit that might mean the resignation from the fidelity program, if the requested limitations prevent them from its correct functioning.

In certain circumstances and for reasons related to their situation, you can oppose to treatment of your data, through email addressed to lopd@ventajon.com. In said case, we will stop treating the data, except for the exercise or assistance of possible complaints, albeit that might mean their resignation from the Fidelity Program, if the formulated opposition to the treatment of your data prevents its correct functioning.

The interested party can request the portability of their data so that they can be remitted by them directly to the entity designated in a structured format, of common use and machine readable.

The interested party from that moment and any posterior moment can revoke their consent given for the treatment of their data through an email addressed to lopd@ventajon.com, albeit that might mean their resignation from the fidelity program, if the formulated opposition to the treatment of their data prevents its correct functioning.

The interested party can claim before the Spanish Agency for Data Protection (as such Control Authority competent in Data protection), specially when they have not obtained satisfaction in exercising their rights, through a letter addressed to the Spanish Agency for Data Protection C/Jorge Juan,6 28001 Madrid or through the web www.agpd.es.

10. Appliable law and resolution of complaints or conflicts
The present general conditions will be ruled and interpreted in conformity with Spanish laws. VENTAJON, S.A. has a customer service department in charge of assisting and resolving their claims and complaints that they can contact through an email addressed at atencion@ventajon.com or the telephone number 928 974 109.

With waiver of any other jurisdiction that might correspond them, the Client and VENTAJON, S.A., are submitted to the Tribunals jurisdiction with competence and jurisdiction in the Client’s domicile in Spain for the resolution of any controversy that might derive from the prese4nt conditions. If the Client does not have a domicile in Spain, the Courts and Tribunals of Telde, Gran Canaria will be competent to solve the matter.

Annex I. Table of cash discounts – CASH BACK, purchase vouchers – Ventajon cash/IKEA cash and advantages. Minimum limits, maximum and additional costs COSTS AND MINIMUM AND MAXIMUM LIMITATIONS VENTAJON FIDELITY PROGRAM
 

*Appliable to all the club cards.

**Appliable to all the club cards except the IKEA Family Fidelity and IKEA for your business cards.

Annex II. Fees and commissions VENTAJON debit card. Particular Conditions

FEES AND COMISSIONS CARD OF THE ASSOCIATED ACCOUNT WITH IBAN CODE

Conditions of accrual and payment fees and commissions
For being part of financial operations related to payment or credit cards, the instalments and commissions of the Previous Table are exempt of IVA and IGIC according to what has been stated in the article 20.1.18.h) of the Law 37/1992, from IVA and the article 50.Uno.18.h) of the Law 4/2012 of the Canary Islands Autonomous Community.

The fees of registration and issuance of physical card (delivery included) will be charged to the Client through a direct debt to the associated debit or credit card as support of the VENTAJON Debit Card in the moment of the request.

The commissions by certification to account or account statement will be charged to the Client through a debt to the associated debit or credit card as support of the VENTAJON Debit Card within the next month of the request.

The maintenance monthly fee of the VENTAJON Debit Card that corresponds in virtue of what has been established in the previous table of this Annex II will be accrued by the owners of the VENTAJON Debit Card on the 1st of every month and it will be charged through recurrent direct debt (Direct Debit) in the Credit or Debit card associated as support. In order to do that the User must authorize, through an OTP verification process, a recurrent and direct debt by PECUNIA CARDS, EDE, S.L. (PECUNPAY) that will be monthly owed the 1st day of every month in the Credit or debit support card to the VENTAJON Debit Card for the corresponding amount. The users can cancel this order at any moment through the MiVentajon App account albeit said cancellation due to operative reasons can only produce effect on the 1st day of the following month. The cancellation of the recurrent and direct debts order will result in the cancellation of the VENTAJON Debit Card and the resignation of the Client in the Fidelity Program.

The rest of commissions will be charged the moment that the transaction is made in the electronic money or payment with IBAN code account associated to the VENTAJON Debit Card. The amount of the possible returns of operations performed with the VENTAJON Debit Card will be deposited in the electronic money or payment with IBAN code account associated to the VENTAJON Debit Card.

VENTAJON, S.A. can modify the amounts and payment conditions of these fees as long as they notify the user a month in advance in the webpage and/or via email to the email addressed registered in the user account.

The Client can, if they wish so, request VENTAJON, S.A. the cancellation of the VENTAJON Debit Card. To their request, PECUNIA CARDS, EDE, S.L. will proceed to effectively cancel this card in a period of 7-10 days from the time of the request, where it will be necessary that the Debit Card balance and associated account has zero balance. Any movements or charged of the VENTAJON Debit card after the cancellation request, will be owed directly in the support Card.