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EDITORIAL


WHY YOU SHOULD STOP WORRYING ABOUT CYBERSECURITY

Adrien Ogee, Technology and Innovation Lead, Centre for Cybersecurity, World
Economic Forum

Last year, for the first time ever, cybersecurity risks were ranked second among
the top five global risks identified by the World Economic Forum. Over the past
decade, experts and journalists have emphasized the costs, the threats, the
dangers of cyber... but what has that achieved, other than fueling digital
mistrust?



Adrien Ogee, Technology and Innovation Lead, Centre for Cybersecurity, World
Economic Forum

Developing a cybersecurity mindset is an incredible opportunity to make the most
of the decades to come.

Owing to the ever-growing permeation of technology into every aspect of our
life, most people have come to feel frightened and paralysed, or worse,
unconcerned and careless.

How can users protect themselves when hackers seem to be able to get into any
computer? How can citizens protect their privacy when many governments seem to
want to tap every phone? Cybersecurity is considered a collective
responsibility, yet the end-users, those who can actually make all the
difference, have been disempowered.

It would be so easy to believe statements such as: “In 2021, artificial
intelligence and social engineering chatbots will help scammers be much more
convincing, at scale.” “Disinformation campaigns, deep fakes and targeted
political advertisement will all further erode your free will.” Yet in parallel,
we will continue adopting new technologies with little to no security, making us
easy prey for low-level cyber criminals.

And so a vicious circle has developed: paralysis and carelessness only lead to
exaggerated claims like the ones above, and vice versa. This vicious circle must
be broken. As we begin a new decade, we must break away from this discourse.

The reason you should stop worrying about cybersecurity isn’t because the risks
aren’t there. It’s because worrying will only prompt you to take the wrong
decisions. No, you shouldn’t worry, but you should care: developing a
cybersecurity mindset is an incredible opportunity to make the most of the
decades to come.


THE BENEFITS OF A CYBERSECURITY MINDSET

A cybersecurity mindset is simply a view of cyberspace that is grounded in
reality. Far too many people worry too much, or not enough, about what could
happen on the internet. These extremes are fuelled by a misunderstanding of what
cyberspace is about. Many think that cybersecurity is for geeks and computer
geniuses. It’s not. There are complexities, to be sure, but no more than in any
other discipline, and none that are out of your reach, preventing you to make
the most of new technologies.

Learning about individual cybersecurity, how to protect oneself online, is
within reach. BBVA recently published a series of useful cyber tips to kickstart
a learning journey. And there are dozens of excellent courses online in English,
French, Spanish. There are websites, books, TV shows and podcasts that can help
you develop a cybersecurity mindset in a few hours. It’s not just accessible, it
can be fun too.

 1. Developing  a cybersecurity mindset helps  you focus your energy on creating
    value.  You can define your risk profile, learn to think in terms of
    probabilities and discern unlikely scenarios. It allows you to realize that
    when you can’t log into your preferred social network, it’s probably just a
    mistake and not a criminal that stole your identity. Sure, these things
    happen, but you want to know  how and why, so you only worry when necessary.
    Doing so means you can spend most of your energy creating new sources of
    value, rather than protecting existing ones.
 2. Developing a cybersecurity mindset helps you gain confidence in managing
    your online activities. It allows you to identify fake websites that will
    sniff your credit card details, laugh off a fake connection request on
    social media, double check a political hoax, or hear scammers from miles
    away.  More than half of all email traffic is phishing: emails attempting to
    lure recipients into doing the wrong thing. Often times people worry that
    they’ve received a virus by email, that their computer is infected, or that
    someone is after them. It takes a cybersecurity mindset to know when that is
    in fact the case.
 3. Developing a cybersecurity mindset helps you  to reap most of the benefits
    of digital technologies, well aware of their downsides. For instance, you
    will be able to  understand the business models of data-intensive companies,
    or the real cost of AI vocal assistants. You will be in control of who you
    are, what you own and what others see, read, and hear about you.  Even
    silence is a form of communication: in the era of personal  branding, not
    having an online presence is a statement in itself.
 4. Developing a cybersecurity mindset also helps  you become an active member
    of the new economy, to educate people of all ages around you, to help them
    avoid some of the traps that do exist, from cyber bullying to online
    predators, drugs, scams, and worse. It may be your parents, your children,
    your friends: a cybersecurity mindset means you can help them live more
    securely and fully, save time, create value, connect with others, and
    disconnect when need be.


WHEN YOU CARE ABOUT CYBERSECURITY, EVERYONE WINS.

When we acquire a cybersecurity mindset, we don’t just help those around us, we
help the entire world. When we start caring about what information we give away
online, when we start asking questions, voicing our needs and concerns,
governments, technology manufacturers and online service providers are compelled
to respond with better solutions, in line with what we care about. When we start
caring about our privacy, about our digital rights, about our electoral
processes, we push the entire internet ecosystem to care.

And this helps those who can’t care for now.

Over half of the world population does not have access to any form of social
protection: developing a cybersecurity mindset is not a priority for billions of
people. But their reality is already digital. They may have only a digital
identity. They own smartphones, social media accounts and crypto-wallets.

Digital leapfrogging, or the attempt by emerging countries to access their share
of the new economy, brings about its share of risks. When you don’t have a bank
account, when all that shields you from bankruptcy is a weak password, when you
have no one to turn to in case of identity theft, digital threats can have
physical, massive, even life threatening consequences.

We can all play a role, educating ourselves and caring for cybersecurity,
because a rising tide lifts all boats. Along with many other non-profits around
the world, the BBVA Microfinance Foundation strives to empower people in such
dire situations.

A cybersecurity mindset is more than a competitive differentiator for you, your
family or your company. It is a prerequisite to peace, progress and prosperity
in the digital era. When you can stop worrying about cybersecurity and you start
caring about it, everyone wins.

 

 

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The BBVA Microfinance Foundation (“BBVAMF”) provides users (the “Users”) of this
website www.progresomicrofinanzas.org (the “Website”) the following data for
their general information, pursuant to article 10 of Act 34/2002, 11th July, on
Information Society and E-commerce Services (hereinafter referred to under its
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Registered Name:  BBVA Microfinance Foundation

Tax Identification Number: G85088870

Registered Offices: Paseo de Recoletos 10, 28001 Madrid, Spain

Filing: The BBVA Microfinance Foundation is classified as a foundation with a
purpose of general interest in social inclusion and aid. It is filed at the
single Foundations Registry within State oversight under number 28-1454.

Its supervisory body is the single Foundations Protectorate within State
oversight.

Email contact: For any queries, users can contact us at the email address:
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Below, we explain the terms and conditions of use for the Website (the
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CONDITIONS OF WEBSITE USE


ACCEPTANCE OF USE CONDITIONS

These Conditions of Use regulate the use of the Website that BBVAMFF places at
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The Conditions of Use along with the Legal Disclaimer, the Personal-Data
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When Users access and use of the Website this means they have accepted the
complete Terms and Conditions of the Website and are obliged to fully comply
with them. Consequently, Users should read these Conditions of Use with
attention before first using the Website, and do the same whenever they intend
to use the Website subsequently, as they may be subject to changes, of which
Users will be advised when accessing the Website on future occasions. BBVAMF
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WEBSITE CONDITIONS OF USE

Users are obliged to make good use of the Website. This means using it in
accordance with prevailing legislation, in good faith and with respect towards
public order. Users undertake not to use the Website for fraudulent purposes, or
to behave in any way that may damage the image, interests and rights of BBVAMF
or third parties. Users also undertake not to take any action intended to
damage, disable or overload the Website, or that may in any way impede its
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Users are informed that, should they fail to comply with the content or the
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specific terms and conditions established in the Website, BBVAMF reserves the
right to limit, suspend or terminate their access to the Website, adopting
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reserves the right to exercise such measures in the event of reasonable
suspicions that Users may be breaching any of the Terms and Conditions of the
Website or any other specific terms and conditions establish in the Website.

BBVAMF reserves the right to update, modify and delete the information contained
in the Website, including the contents and/or services integrated into it. It
may also limit or refuse access to such information at any time and without
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access to the Website when technical difficulties arise due to events or
circumstances outside the power of BBVAMF that it judges may diminish or annul
the levels of security or standards adopted for the proper operation of the
Website. For this purpose, BBVAMF reserves the faculty at any time to decide on
the continuity of the society information services that it provides on its
Website.


WEBSITE CONTENT

The intellectual and industrial property rights over the Website, including the
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graphic design and user interface (the Website’s look and feel), the underlying
computer programs (including source codes and objects), and the various elements
comprising the Website (texts, graphs, photos, videos, sound recordings, etc)
(the “content”) are owned or managed by BBVAMF and their licensers. The
distinctive signage included on the Website (brands and trade names) are owned
by BBVAMF and their licensers.

Use of the Website by Users does not entail the assignment of any right over the
intellectual and/or industrial property of the Website, the Content and/or the
distinctive signage of BBVAMF. To such end, these Conditions of Use expressly
forbid Users from reproducing, transforming, distributing, publicly
broadcasting, making available, extracting and/or re-using the Website, its
Content and/or distinctive signage of BBVAMF or any third parties incorporated
into the Website, except in those cases in which it is legally permitted or
BBVAMFF has granted prior authorization. BBVAMF reserves the right to take
corresponding legal action against Users breaching or infringing intellectual
and/or industrial property rights.

BBVAMF grants Users who respect the Website Terms and Conditions authorisation
to use the Website, in a non-exclusive manner, during the maximum period in
which the intellectual and industrial property rights remain in force pursuant
to applicable regulations (except if their access to the Website is suspended on
due grounds), for the purpose of Users being able to use the Website in
accordance herewith.

Likewise, BBVAMF makes the following declarations:

 * The information contained in the Website is intended for informational
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   considered as giving advice on legal, tax, financial, investment or technical
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   be understood as a recommendation to perform transactions. It does not
   constitute any basis for making decisions one way or another. BBVAMF declines
   any responsibility for use of the information contained in its Website based
   on such perception. And specifically, BBVAMF requires Users to comprehend
   that the information, subject to prevailing regulations in Spain, is not
   addressed to Users acting under other jurisdictions from other States that
   may demand compliance with different requirements regarding access,
   dissemination or publicity of information of this kind.
 * The information provided by BBVAMF on its Website does not constitute a
   technical opinion of BBVAMF.
 * BBVAMF does not accept responsibility for the information contained on its
   Website responding to Users’ expectations. BBVAMFF is not responsible for the
   veracity, exactitude, sufficiency, integrity or currency of the information
   that it has not prepared itself and which is attributed to another source.
   Nor is BBVAMFF responsible for the opinions or comments that may appear on
   the Website, since these may be personal opinions or comments of its Users or
   come from other sources, as indicated.
 * Third-party opinions voiced in interviews or any other section of the Website
   do not represent the opinion of BBVAMF, which disclaims any responsibility
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 * BBVAMF reserves the right to update, modify or delete information contained
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Users RECOGNIZE AND ACCEPT the foregoing declarations made by BBVAMF and also
GUARANTEE their compliance with the regulations applicable to them as Users of
this Website.


LINKS POLICY


ESTABLISHMENT OF LINKS WITH THE WEBSITE

It is forbidden to establish links to the Website, unless they have been
previously authorized by BBVAMF.  In all cases, once BBVAMF has authorised a
link, it must be established under the following terms:

 * The link may not comprise frames that permit viewing the Website via Internet
   addresses other than those of the Website or that in any other way show the
   information of the Website alongside the content included on other websites.
 * No website with links to the Website (“Linker Website”) may make any false,
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 * In no event does the authorization granted by BBVAMF mean that: (i) BBVAMF
   sponsors, partners, verifies or supervises the content and/or the services
   provides via the Linker Website; nor that (ii) BBVAMF is in any way
   responsible for the content of the Linker Website.
 * The Linker Website must comply faithfully with the law and may in no event
   host proprietary or third-party content that: (i) are illicit, in breach of
   third-party rights, hateful, denigrating, violent, inappropriate or in any
   way contrary to morality, usage and good behaviour (eg, pornographic, racist,
   etc); (ii) mislead or may mislead Users to falsely believe that BBVAMF might
   subscribe to, second, adhere to or in any way support the ideas,
   manifestations or expressions in the Linker Website; and (iii) are
   inappropriate or not pertinent with respect to BBVAMF’s activities.

In the event of any of the circumstances described above, BBVAMF may take
suitable legal actions.


LINKED WEBSITES

In order to help Users find additional information, BBVAMF may include various
technical devices that enable Users to access other websites (“Linked
Websites”). In such cases, BBVAMF acts as provider of intermediation services,
as established in article 17 of the LSSI. Pursuant to this legislation, BBVAMF
cannot be held responsible for the services and content provided via the Linked
Websites, unless it has effective knowledge that these are illicit and has
failed to de-activate the link with due diligence.

In no event does the existence of Linked Websites mean that BBVAMF is
recommending, promoting, identifying with or in conformity with the
declarations, content or services provided over the Linked Websites. 
Consequently, BBVAMF accepts no responsibility for the Linked Websites, or their
conditions of use or their privacy policies. Users are the only parties
responsible for checking these and accepting them each time they access and use
the Linked Websites.


COMMUNICATION OF ILLICIT OR INAPPROPRIATE ACTIVITIES

Should Users or any other internet users become aware that any kind of
information or content on the Website or provided over the Website is illicit,
in breach of third-party rights, hateful, denigrating, violent, inappropriate or
in any way contrary to morality, usage and good behaviour, they can contact
BBVAMF indicating the following:

 * their personal data: name, address, telephone number and email address;
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   breached, should this not be the party reporting the breach. Likewise, they
   should provide the title to the rights breached and, where appropriate,
   representation to act to the account of the rights-holder when this is not
   the party reporting the breach.

BBVAMF’s receipt of the communication described in this clause does not mean,
pursuant to the LSSI, that it has effective knowledge of the activities and/or
content indicated by the reporting party when this is not commonly known or
self-evident. In all events, BBVAMF reserves the right to suspend or withdraw
the content that, even where licit, is contrary to the standards established in
these Conditions of Use, always assessing the legal goods in each dispute.


BBVAMF’S LIABILITY

Users must know that communications over open networks are exposed to a range of
threats that mean they are not secure. Users’ responsibility to take suitable
technical measures to reasonably control such threats. This includes keeping
their malware detection systems up to date to protect against viruses, trojans,
etc, and installing the latest versions of the security patches for their
browsers. They can request further information on this from their internet
access provider, which can suggest suitable solutions for their needs. With the
maximum scope permitted by applicable legislation, BBVAMF does not bear
responsibility for damage and loss caused to Users as a consequence of risks
inherent to the medium employed, nor those occasioned by vulnerabilities in
their systems and tools. BBVAMF does not guarantee the total security of its
systems either. Although it has adopted adequate security measures, it cannot
totally discard the possibility of vulnerabilities existing. Consequently, Users
must be careful in their interaction with the Website.

In particular, BBVAMF will not be held responsible for:

 * Damage and loss of any kind caused in the Users’ hardware by viruses, worms,
   trojans or any other element of harm.
 * Damage and loss of any kind caused to Users due to disconnection or faults in
   the telecommunications network that trigger the suspension, cancellation or
   interruption of the Website service while using it. In this respect, Users
   recognise that access to the Website requires services provided by third
   parties outside BBVAMF’s control (by way of example: telecommunications
   network operators, access providers, etc), whose reliability, quality,
   continuity and operation are not the responsibility of BBVAMF, and do not
   form part of its responsibility to guarantee the availability of the service.
 * From third-party information in the cases in which BBVAMF acts as
   intermediation service provider in the sense established by the LSSI, except
   when there is effective knowledge and the corresponding information has not
   been withdrawn.

Nor will BBVAMF be held responsible for direct or indirect damage or loss that
Users may suffer due to inadequate use of this Website or its content. BBVAMFF
does not make any undertaking to communicate changes or modify the content of
the Website.


DATA PROTECTION

Aspects regarding the treatment of Users’ personal data for the use of the
Website are regulated in the document on Personal Data Protection.


USE OF COOKIES

Our Website uses a technology called “cookies”. For further detailed information
on just how BBVAMF uses the Cookies, check out our Cookies Policy here.


APPLICABLE LAW

Pursuant to article 3 of the LSSI, the laws applicable to information society
services that BBVAMF provides through the Website will be those of Spain.
Consequently, in any litigation relating to this Website or any disputes about
it between Registered Users and BBVAMF will be subject to Spanish legislation.




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PERSONAL INFORMATION




 DATA PROTECTION POLICY


 1. BASIC INFORMATION

Who is responsible for processing your data? The BBVA Microfinance Foundations

What will your data be used for? To send you the latest issues of the legal news
journal Progreso.

Who will receive your data?We will not assign your personal data to third
parties unless obliged to do so by law or when you have given consent to such
assignment.

What are your rights? You will have the right to access, rectify and suppress
your personal data, and other rights as explained in the additional information.


 2. ADDITIONAL INFORMATION


WHAT IS THE PURPOSE OF THIS PERSONAL-DATA PROTECTION POLICY?

This personal-data protection policy (“Personal-Data Protection policy”) is
intended to disclose the way in which we obtain, process and protect the
personal data you give us or that we collect over our website,
www.progresomicrofinanzas.org (the “Website”) from forms and/or cookies. With
such disclosure, you can decide how and whether you wish us to process your
data.

The Website is owned by the BBVA Microfinance Foundation (“BBVAMF”). For further
information on BBVAMF and the Website, read our legal disclaimer.

In this document, we provide information on the way we treat information that
BBVAMF obtains from our Website. Please note that it does not apply to data that
third parties may obtain on other websites, even if these are accessed through
links from our Website.

We remind you of the importance of reading this Personal-Data Protection Policy
each time you are going to use our Website, as it may be subject to changes.


WHO IS RESPONSIBLE FOR PROCESSING YOUR PERSONAL DATA?

The BBVA Microfinance Foundation (BBVAMF), with registered offices at Paseo de
Recoletos 10, 28001 Madrid.  Email address: contacto@progresomicrofinanzas.org


WHAT WILL WE USE YOUR PERSONAL DATA FOR?

 1. To send you the latest editions of our legal-news journal, Progreso
 2. For the aims and with the legitimation indicated in each of the forms
    collecting personal data on our Website.
 3. To help you navigate our Website in line with the Cookies Policy that you
    can read here.

BBVAMF treats your personal data with full confidentiality. We undertake to
maintain your secrecy and guarantee that we will store the data adopting all
necessary measures to avoid them being altered, lost, accessed or processed
without due authorisation, pursuant to the legal obligations applicable to us as
guardians of the personal data you entrust to us.

BBVAMF has implemented the highest levels of security required by law to protect
your personal data, and maintains these levels to avoid random loss or
unauthorised access, processing or revelation. We update security in line with
the latest technology, the nature of the data stored and the risks to which they
are exposed.

If you provide us with personal data or information on another person, you are
assuming responsibility to comply with data protection regulations and to have
obtained their prior consent as applicable and to have informed them of the use
that BBVAMF will make of such data pursuant to this Policy.


HOW LONG WILL WE KEEP YOUR DATA?

We will keep your data exclusively until you decide to stop receiving Progreso,
and only for the time period established in the Cookies Policy.


WILL ANYONE ELSE HAVE ACCESS TO YOUR DATA?

 We will not assign your personal data to third parties unless we are obliged to
do so by law or when you consented to the assignment.

When we need your consent to communicate personal data to third parties, the
forms collecting your data will inform you of how we may use them, which data
will be communicated and the identity or business sectors of the parties to
which we may assign the data.

To offer you a suitable service and manage the relationship we have with you as
a reader, your data are processed by a communications company we have hired
exclusively for sending out Progreso. With the same transparency, you can
consult the Cookies Policy of the third parties that receive personal data
through cookies from our Website.


DOES BBVAMFF USE COOKIES ON THIS WEBSITE?

Our Website uses a technology called “cookies”. For further detailed information
on just how BBVAMF uses the cookies, check out our  Cookies Policy here.


DOES BBVAMFF USE LINKS TO OTHER WEBSITES?

The Website may contain links to other websites. Please bear in mind that BBVAMF
is not responsible for the privacy and treatment given to personal data on other
websites. This document on our Personal-Data Protection Policy is exclusively
applicable to the information collected on our Website by BBVAMF. We recommend
that you read the policies regarding personal data on the other websites that
you link to via our Website or that you may visit from any other source. You can
also obtain more information on our  Links Policy in our Legal Disclaimer here.


WHAT ARE YOUR RIGHTS WHEN YOU PROVIDE US WITH YOUR DATA?

Likewise, whenever you wish, you can withdraw your consent whether or not the
treatment was licit.

Simply send your request to the email address
contacto@progresomicrofinanzas.org, or send a letter addressed to BBVAMF Legal
Services at Paseo de Recoletos 10, 28001 Madrid, Spain. Remember to attach a
copy of your national identity document or equivalent to your request, so that
we can be sure you are you.








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YOUR PRIVACY


YOUR PRIVACY

When you visit any website, it may store or retrieve information on your
browser, mostly in the form of cookies. This information might be about you,
your preferences or your device and is mostly used to make the site work as you
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a detailed cookie explanation, on the page Cookie Policy.


 * PERFORMANCE COOKIES
   
   
   PERFORMANCE COOKIES
   
   Performance Cookies
   
   These cookies allow us to count visits and traffic sources so we can measure
   and improve the performance of our site. They help us to know which pages are
   the most and least popular and see how visitors move around the site. All
   information these cookies collect is aggregated and therefore anonymous. If
   you do not allow these cookies we will not know when you have visited our
   site, and will not be able to monitor its performance.


 * FUNCTIONAL COOKIES
   
   
   FUNCTIONAL COOKIES
   
   Functional Cookies
   
   These cookies enable the website to provide enhanced functionality and
   personalisation. They may be set by us or by third party providers whose
   services we have added to our pages. If you do not allow these cookies then
   some or all of these services may not function properly.


 * STRICTLY NECESSARY COOKIES
   
   
   STRICTLY NECESSARY COOKIES
   
   Always Active
   Strictly Necessary Cookies
   
   These cookies are necessary for the website to function and cannot be
   switched off in our systems. They are usually only set in response to actions
   made by you which amount to a request for services, such as setting your
   privacy preferences, logging in or filling in forms. You can set your browser
   to block or alert you about these cookies, but some parts of the site will
   not then work. These cookies do not store any personally identifiable
   information.


 * TARGETING COOKIES
   
   
   TARGETING COOKIES
   
   Targeting Cookies
   
   These cookies may be set through our site by our advertising partners. They
   may be used by those companies to build a profile of your interests and show
   you relevant adverts on other sites. They do not store directly personal
   information, but are based on uniquely identifying your browser and internet
   device. If you do not allow these cookies, you will experience less targeted
   advertising.

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COOKIE SETTINGS

We use our own and third party cookies to analyze and measure how our website is
used, offer better functionality and customization levels and to deliver
targeted ads in accordance with your preferences and your profile built based on
your browsing habits. You can find more about our Cookie Policy here. By
clicking the “Accept” button you authorize us to save all cookies on your
device. To set and manage your preferences or block the use of cookies, click on
“Cookie Settings”.

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