Terms of Use for Website and Mobile Applications of Raiffeisenbank Austria d.d.


Individual terms in these Terms of Use for Websites and Mobile Applications of Raiffeisenbank Austria d.d. (hereinafter: Terms of Use) have the following meanings:

Bank or RBA means Raiffeisenbank Austria d.d., with seat in Zagreb at the address Magazinska cesta 69, PIN 53056966535, registered in the Zagreb  Commercial Court registry under the number MBS 080002366, e-mail: info@rba.hr; the Bank's competent supervisory body is the Croatian National Bank, in Zagreb, at the address Trg hrvatskih velikana 3;

The Bank's Website means the official internet site www.rba.hr;

The Bank's Mobile Applications means all applications that the Bank has published on its website, available through the website or referring to the iDirekt services, and which can be downloaded through the Google Play, Apple or Microsoft stores;

The website Content means any data, service, application, link or other content published on the website, mobile applications, or available on the website;


User means every person accessing the website, mobile applications owned by RBA, and/or using any other content on the website.



Scope of Implementation


Every use of the website www.rba.hr and of the mobile applications owned by RBA is subject to these Terms of Use.

By accessing the website, downloading or using the mobile applications owned by RBA or by using any website content, the user confirms to be familiar with these Terms of Use and consents to their implementation.


Using particular website content can be defined by specific terms and conditions, which shall prevail in the event of any conflict or inconsistency with these Terms of Use.

The Bank is authorised, at any time and without prior notice, to change or amend these Terms of Use, or to replace them. Any and all changes or amendments to these Terms of Use will be published on the Bank's website, and the user accepts them by their very access to the website, by downloading mobile applications or using the website content after the changes and amendments are published. The user is familiar with the fact that when accessing the website or using particular website content, they are obligated to check the currently valid Terms of Use for Websites and Mobile Applications.



Website Content and Use of the Website and Mobile Applications

Access to the website, mobile applications and use of particular website content can be conditioned by the use of computer or mobile equipment that fulfils the technical requirements set by the Bank. At any time the Bank is authorised to change the required or recommended technical configuration of the PC or mobile equipment required or recommended for accessing the website and mobile applications and/or using particular website content and mobile applications.


The website www.rba.hr and mobile applications are accessed through the Internet. The Internet is the international computer network which RBA does not control directly but to which it is connected, and therefore, RBA cannot warrant for the availability of services and information that it does not control directly or which are a consequence of vis major, these including warfare, strike, natural disasters, cease of power supply, disruptions in telecommunications and other traffic, etc..


The Bank publishes the data contained on the website exclusively for information purposes and invests its best efforts to ensure their correctness. The published data referring to the Banka and the services it offers are deemed accurate and complete exclusively at the time of their publication, without any warranty of their accurateness and completeness at the time of use. In the rare event of error, RBA will endeavour to correct it when updating the website content.


As regards the published information concerning third persons and their services, the Bank warrants only that the published information is in accordance with the information for the publishing needs of which the information was delivered by the person to whom the said information refers and to whom they belong, or that they are in accordance with the information available from public sources, but it does not warrant that any such published information are accurate and complete. The Bank does not warrant that such published information and viewpoints are appropriate for a particular purpose. The published information are not to be considered a basis for making important personal, financial or business decisions, and the user agrees that the Bank is not responsible for any of their expectations in connection to this not being realized. Before making any decision on contracting a particular service and using it, the user is to consult with an expert who will advise them appropriately in connection to their actual situation and needs.


Particular Bank's services and mobile applications available on the website can be used only pursuant to an agreement and in keeping with the agreement on providing a particular service, which agreement the user has contracted with the Bank previously, or, in the case when these services are provided by other persons, pursuant to an agreement and in keeping with the agreement which agreement the user has contracted with the person providing the respective service.



On the Bank's website there can be links to other websites of third persons who are not connected to the Bank. We put in our best efforts to ensure that all redirections from our website link you to the websites of quality contents in that these do not promote negativity. Using the links to the said websites of third persons does not imply the warranty for these websites nor is the Bank responsible for the accuracy or content of any external websites. Using the links to any external websites or to the websites of third persons is at your own responsibility.


Intellectual Property

All contents (texts, graphic elements, photographs, video materials, logos, documents, data, information published on the website and other content forms), are protected under copyright and other intellectual property laws, and are not to be published, reproduced, distributed or in any other way used without previous explicit written consent of the Bank.


The data published on the website can be used only for personal, non-commercial needs, and for this purpose the user can save them to their own personal computer or mobile device.


Any violation of these rights, malevolent or accidental, represents serious violation of these Terms of Use concerning materials from the website, and the Bank can take measures to protect its rights, including also instituting court and criminal proceedings against perpetrators.



Processing and Protection of Personal Data

Surfing the website is anonymous and the Bank does not collect any personal data that could allow your personal identification (e.g. name and surname, address, telephone number, e-mail address, and the like)


In the case the Bank should need a user's particular personal data required to provide a requested service or to execute a particular requested transaction, you will be informed of that in due time and manner. In such a case when entering your personal data into the fields provided for this purpose on the Bank's website, you confirm and agree that the information provided by you are voluntarily placed at the Bank's disposal and that you allow this information to be used for the purpose as mentioned.


The Bank does not sell, does not lease and does not lend the list of users of its website and mobile applications to third parties. Under the obligation of maintaining secrecy, the Bank can share the information with reliable partners for particular purposes: conducting statistical analysis, providing for user support, arranging meetings, and similar. Any such third party is forbidden to further process your personal information. The Bank undertakes to protect your personal information from unauthorized access, use or disclosure. The information on computer servers is stored in a controlled, safe environment, protected from unauthorized access, use or disclosure.


At any time, pursuant to mandatory identification, you can request overview of all personal data we received from you on one of our network addresses. At your request we can update, correct or delete the information (if the respective information are still in our databases), or cease to use the information in the future.


The conditions under which the Bank collects and processes users' personal data when they access the website, mobile applications or use particular website content, including the use of cookies, can be seen here.


RBA uses the cookie programs in order to provide the user with free services featuring full functionalities and the highest quality content possible. Cookies represent a data cluster generated by the website server which the web browser stores to the user's disk in the form of a small text database. By using this website and mobile applications owned by RBA, you agree to the use of cookies. Blocking cookies is possible, after which you will still be able to surf the website, but some of its features will cease to be available to you. You can find out more on cookies here.



The Bank can provide user communication through electronic mail, chat or other forms of remote communication. The mentioned communication forms can be applied exclusively for the purposes set and allowed by the Bank, such as e.g. placing inquiries about the Bank and about the individual services offered by the Bank, arranging meetings in retail branches, filing proposals, commendations, objections or complaints.


The Bank will not act upon orders and other instructions it receives through electronic mail, chat or other forms of remote communication that do not allow the Bank to determine the identity of the person placing any such order or instruction with certainty, nor will it provide any information that, according to the law, constitute bank and/or business secret through any such communication channels.


Final Provisions

Nullity or unenforceability of any provision of these Terms of Use does not impact the validity and enforceability of other provisions of these Terms of Use in entirety.


The Croatian material legislation is applicable to the interpretation, implementation and legal effects of any and all permissions, exclusions and terms of use of the website and mobile applications.


Any disputes arising from the implementation of these Terms of Use, use of the website and mobile applications or of any website content are under the exclusive jurisdiction of courts in Zagreb.