Good governance

Customer Defence and Whistleblowing Channel

Customer defence

For the purpose of promoting and achieving constant improvements in the quality of the service provided to customers, and to adapt to the requirements of Order ECO 734/04 on customer care departments and services and an Ombudsperson for customers of financial institutions, the entities in Grupo Catalana Occidente have set up a Customer Service Department to deal with complaints from customers and insured parties and, there is also a Stakeholder and Associate Ombudsperson to deal with complaints raised by stakeholders and associates.

All complaints must be addressed to said Customer Service Department, or the Stakeholder and Associate Ombudsperson in the case of stakeholders and associates, as set out in the Customer Defence Regulations (see "More Information" section). We recommend that these Regulations be consulted beforehand, in particular Articles 2 and 3, on the respective competences of the Customer Service Department and the Stakeholder and Associate Ombudsperson, and Chapter II, “Procedure for processing complaints”.

The Head of the Customer Service Department is Mr Albert Viñolas Martínez, Director of Service Quality and Customer Defence for Grupo Catalana Occidente, appointed to deal with complaints from insurance companies in the Group, Occident Hipotecaria EFC, S.A.U., Grupo Catalana Occidente Gestión de Activos S.A.U., SGIIC, and Occident GCO Capital, Agencia de Valores, S.A.U.

His contact details are:

Avda. Alcalde Barnils, 63
08174 - Sant Cugat del Vallés (Barcelona)
Tel.: 900 102 978                         

The Stakeholder and Associate Ombudsperson is LEGSE Abogados, S.L., ranked as a leading law firm in the insurance field by prestigious legal directories and appointed to deal with complaints from GCO Gestora de Pensiones, EGFP, S.A.U and GCO Previsión EPSV Individual.

Their contact details are:

Calle Lagasca, 40
28001 - Madrid
Tel.: 915 760 673

If customers have submitted a complaint to the aforementioned Customer Service Department or the Stakeholder and Associate Ombudsperson and do not agree with the resolution issued, they may contact the complaints service of the relevant supervisory body in each case, as indicated below, using the forms provided for this purpose, which are available in the "More information" section:

  • Group insurance companies and GCO Gestora de Pensiones, EGFP, S.A.U. => Directorate-General for Insurance and Pension Funds (DGSFP).
  • Occident Hipotecaria EFC, S.A.U. => Banco de España
  • Grupo Catalana Occidente Gestión de Activos S.A.U., SGIIC and Occident GCO Capital, Agencia de Valores, S.A.U. => National Securities Market Commission (CNMV)
  • GCO Previsión EPSV Individual => Basque Government


Whistleblowing Channel 

The purpose of the Whistleblowing Channel is to receive, hold and process communications on irregularities related to breaches of the Grupo Catalana Occidente Code of Ethics, the protocols implementing it, any other regulation or internal policies of the Group and/or its entities considered individually, as well as actions or omissions that result in a serious or very serious breach that is punishable under administrative or criminal law, or the manipulation and/or falsification of financial data. In accordance with the above, communications that do not contain data identifying the informant will be accepted for processing, and will be investigated with the utmost caution and proportionality. 

The Whistleblowing Channel regulates the internal reporting system and the defence of the whistleblower, the internal reporting channels for receiving communications, the process for investigating any situations identified, and ensures that the whistleblower and any other individuals associated with the latter who submit reports are adequately protected against reprisals. 

Any individual or legal entity, such as customers, suppliers, shareholders or other stakeholders of the Group can report fraudulent practices or infringements in matters of Human Rights and national or European laws or other "Reportable Actions" set forth in the Whistleblowing Channel, regarding irregularities and fraud arising in a work or professional context, and related to Members of the Board, Management, and employees of the Group (including those who previously held or are going to hold these positions), regardless of their post and level, as well as to the network of agents and partners who deal with the Group. 

The contact details of the Corporate Internal Audit Department are: 


Postal address:
Corporate Internal Audit Director
Grupo Catalana Occidente, S.A. 
Avenida Alcalde Barnils, nº 63
08174 – Sant Cugat del Vallés 

Telephone: 935820685 

Once the communication has been received, it will be managed by Corporate Internal Audit pursuant to the procedure and methodology for analysing irregularities and internal fraud, which complies with the provisions of Spanish Law 2/2023, of 20 February, regulating the protection of persons who report regulatory infringements and the fight against corruption.