We create new digital ventures, set digital strategic investments in leading companies and establish partnerships and alliances with startups and big corporates.
We are defining new data-driven business models to offer a better experience to our current and future customers.
We are working to ensure our customer’s identity and security in a increasingly digital context.
We offer customized financial advices to our customers based on their spendings and location.
We are exploring new digital interaction models, such as artificial intelligence, virtual and augmented reality, platforms and new digital customers.
Kelvin Retail is an online open platform which offers business and sole traders high value-added information about their business, their customers and their sector.
Kelvin Atlas is the first real-time Open Data portal in the Spanish financial sector. Its interactive map design allows to know in detail economic, commercial and touristic dynamics due to the anonymous and protected treatment of Big Data.
The API of Banco Sabadell gives access to some of the main functionalities and digital services at its clients disposal. Therefore, it allows third parties to develop their own apps and solutions.
The following general terms and conditions govern the use of and the access to the InnoCells website, which the company Sabadell Innovation Cells, S.L.U. (hereinafter, “InnoCells”) with registered offices in C/ Sena, 12 in Sant Cugat del Vallés, holder of tax identification number (NIF) B67001669, registered in the Companies Registry of the province of Barcelona in vol. 45.954, folio 78, page B504020, has made available to its users at the following internet address: http://www.innocells.io the IP address of which is 22.214.171.124.
The use of the website by users entails their full acceptance of these terms, conditions and criteria, which are permanently displayed on the website, the applicable version being the latest published version. Users are recommended to carefully read the terms, conditions and instructions displayed on the websites each time they access the same, and to frequently refresh the page, using the refresh feature of their internet browser, in order to update the content in the cache memory of their personal computer and have access to fully up-to-date information.
The main purpose of the website is to provide information about the activities, events, initiatives, projects and services of InnoCells and other companies that form part of Banco Sabadell Group. The website also provides access to either the specific websites of certain companies of Banco Sabadell Group (published on https://www.grupbancsabadell.com/) or to web portals controlled by companies associated with the Group. All access and use by users of each such website or web portal shall be governed by the specific terms and conditions of the latter, which are displayed on the “Legal Notice” link which can be accessed at the bottom of their home pages.
Users undertake to make appropriate, correct and lawful use of the content and services of the website. The use of the website for the following purposes is strictly prohibited: illegal and illicit activities, activities which are contrary to good faith and public order, and in general any conduct or behaviour that violates, is conducive to, or could potentially infringe upon human dignity or the principle of non-discrimination on the grounds of race, gender, religion, opinion, nationality or any other personal or social circumstance, or that goes against the protection of public health and that of consumers and users, or against the protection of youths and children. All activities intended to impersonate any person or entity, or to tamper with, hack into, alter or disconnect systems, servers, networks or content or to breach connection requirements are also prohibited. InnoCells reserves the right to withdraw users’ access to the service without prior notice, and to adopt as many measures as deemed necessary at any given time in order to prevent the aforementioned behaviour and activities.
Express notice is hereby given that all website materials are subject to intellectual and industrial property rights. The content, source codes, format, design and names of the products, applications, tools, pages, brands, trade names, logos, images, sounds and graphics, including those which are copyrighted, are owned or have been assigned or licensed to InnoCells, for which reason all forms of authorship and rights of use are governed by the applicable commercial and criminal laws, any breach of which, irrespective of any applicable financial liability, shall constitute an unlawful or criminal act.
Users shall therefore refrain from reproducing, adapting, combining or incorporating into other applications, adjusting or otherwise tampering with, altering, or publicly broadcasting or distributing in any way, any of the content accessible through this website, unless expressly authorised to do so by InnoCells or any of the Banco Sabadell Group companies. Even when such authorisation has been obtained, users shall not perform the authorised activity using procedures other than those specified and set forth in the website, and under no circumstances shall they download, print or transfer the content to any other media when the content has been altered or modified in such a way so as to differ from, omit, add to, distort or modify the content provided, or when such actions result in information that conflicts with the messages and information displayed on and provided through the website as they appear in the system and computer records of InnoCells.
InnoCells and Banco Sabadell Group companies do not licence or authorise any form of use of their industrial and intellectual property rights or of any rights or property related to the website, services or content.
Any websites wishing to include hyperlinks to Banco Sabadell Group web pages shall require express authorisation to do so and in all cases shall refrain from duplicating such web pages and from directly including the link to any page other than the home page. They shall also refrain from using distinctive signs or symbols, trade names, logos, information or any other content of the website itself, with the exception of those included in the link. Under no circumstances shall it be implied or stated that InnoCells has authorised, is involved with, has accepted, participated in or overseen in any way any of the content of the page containing the hyperlink, or that it consents to the inclusion of such hyperlink, unless express authorisation has been obtained to that effect.
Users may visit, obtain information, and send requests or communications through the various pages of the website.
Any and all data provided by users shall be treated with utmost confidentiality. The entity responsible for the files, the persons involved in any stage of the data processing and the entities to which such data has been provided, having obtained prior authorisation from the user, shall be subject to the strictest professional secrecy, and shall expressly undertake to adopt the necessary levels of protection and technical and/or organisational measures to guarantee the security of personal data and prevent their alteration, fraudulent use, loss, theft, unauthorised processing or access, both externally and internally within their corporate structure and staff, taking into consideration the level of technology employed, the nature of the stored data and the risks to which the former are exposed, whether risks deriving from human actions or from their physical or natural environment. Guarantee is hereby given that the processing and registration in files, programmes, systems, equipment, offices and centres shall comply with the integrity and security terms, conditions and requirements set forth in applicable regulations.
Notwithstanding the foregoing, users should be aware and are expressly advised that internet security measures are not infallible.
InnoCells gives no guarantees to users as to the availability, access or continuity of the website connection or the supply of information or any other services offered through the website. InnoCells and any content providers shall therefore accept no liability for any discontinued services, delays, malfunction and in general any inconvenience arising from circumstances outside of the control of InnoCells and its providers, or from any criminal or wrongful actions by users, or force majeure. InnoCells gives no guarantees as to the usefulness, correct functioning or the infallibility of the content provided through the website, which in all cases shall be provided for guidance and information purposes only. This information has been obtained from sources deemed to be reliable, but should not be assumed to be infallible, and users should always compare and contrast such information with other sources before formulating any opinions or reaching any decisions. Any and all opinions, measures, investment actions or any other form of actions taken by users shall be taken at their sole risk and responsibility.
InnoCells accepts no liability arising from the use by users of the InnoCells website content, and reserves the right to modify, replace, update, renew, remove or restrict access, discontinue, block, temporarily suspend or definitively cancel any service, supply of information or any other content, whether relating to a specific user or general in nature.
Unless expressly set forth in each case, InnoCells is not involved with, does not take part in nor does it guarantee in any way the services and/or products offered by third party providers and which are accessible through hyperlinks or advertisements.
InnoCells accepts no liability for any damages that may be caused to users’ computers due to their being infected by computer viruses as a result of their browsing.(c) Sabadell Innovation Cells, S.L.U., 2017. All rights reserved.