Access to and use of this website is subject to the rules in the terms and conditions below.

The use of the website as a visitor, the registration as user and the access to its services represent an implicit acceptance of these terms and conditions, with all the consequences arising therefrom.

The www.idea-bank.ro website is owned by the Idea Bank SA credit institution (“’Idea :: Bank”), with registered offices in B-dul Dimitrie Pompeiu nr. 5-7, etaj 6, sector 2, Bucharest, sole registration number RO 10318789, fiscal attribute R, registered with the Trade Registry under no. J40/2416/1998, Banking registry no. 40-043.

ACCESS:

The allowed purpose for using the website is to obtain information and access to the services offered therein. Any use for purposes other than these is not allowed. To get access to the website and the services and information made available through it, you must obtain access to the World Wide Web. Idea::Bank S.A. shall not be liable for the security of this website or your communication line to the website. Also, website visitors and users are asked to make sure that they are legally authorized to connect to this website in the country from which the connection is made.

The word "visitor" means any individual or legal entity accessing the website. The word "user" means any "visitor" who registers as a "user" by filling in the registration form.

COPYRIGHT, TRADEMARK AND INTELLECTUAL PROPERTY:

Idea::Bank S.A. provides free access to the website and authorizes the viewing, printing or sharing of the information on the website only for the purposes expressly provided on the website. The copyright for the information on this website is owned by Idea::Bank or its affiliates/partners. Materials on this website shall not be reproduced in full or in part or changed without the express written approval of Idea::Bank.

The content of this website, the texts, graphics, photographs, software, logos or any other materials presented on the website are protected by copyright and are the property of Idea::Bank or of its affiliates/partners.

It is forbidden to link from or to this website without a previous written approval from Idea::Bank. If this happens without the written approval of Idea::Bank, it shall not be liable for non-affiliated websites to which the website could be linked, for materials published on this website by persons other than the persons authorized by Idea::Bank and Idea::Bank reserves the right to claim penalties according to the legal provisions into force for violation of this interdiction. Idea::Bank or third parties may provide, in an authorized manner, through this website, “links” to other pages or resources in the World Wide Web. Idea::Bank does not warrant, is not and cannot be held liable for the availability, form, content, advertising, products or other materials available on such websites. Idea::Bank shall not be directly or indirectly liable to pay any indemnification for any damages or losses caused or alleged to be caused by/in connection with the use of or reliance on the information, content, goods or services made available on such websites. The reproduction, copying, duplication, selling, reselling or commercial use of any services, access to or use of the services or information made available by Idea::Bank through the website in a way that violates Romanian or international copyright or intellectual property legislation shall result in the civil or criminal liability of the offender.

The user is solely liable for any damages to its computer system or network from which the website is accessed or for any data loss that might result from downloading information or services from the website. No advice or other verbal or written information, obtained from the website or through the services provided by this website is not a guarantee, unless expressly provided in the terms and conditions of use.

Idea::Bank reserves the right to prevent by any means and pursue legal action according to the legislation into force against the persons involved in the destruction or alteration of the website, its content or security or involved in the attempt to attack or discredit Idea::Bank or its partners, products, services or employees. Any potential litigation in relation to this website shall be settled by the competent courts of common law in Romania.

WEBSITE USAGE RULES:

The following are prohibited:

• the copying, duplication, distribution, archiving or storage, by any means, including by electronic, magnetic or computer means, of the materials and information on this website, except for the ones made available by Idea::Bank and marked accordingly;
• the attempt to interfere, by any means, in the website content, the deletion or alteration by any means of the materials and information published on the website or any attempt to this end;
• the attempt to scan, probe or test the vulnerability of any system in the Idea::Bank network or to access any servers or services in the Idea::Bank network that are not public, without an express written authorization from Idea::Bank;
• the attempt to interfere in the operation of hosting servers or of the Idea::Bank network by any means, including by “flooding” or “DOS” attacks;
• the use of any e-mail addresses published on the website for mailing list distribution or sending commercial e-mails (“spamming”) or for any other purposes than sending justified personal e-mails, without the written agreement of the owners of these addresses.

The violation of any of these rules shall result in civil or criminal liability. Idea::Bank shall investigate any deeds involved in such violation, in cooperation with the authorities, to avert or prevent such violations.

SERVICE AVAILABILITY

Idea::Bank reserves the right to amend or interrupt, temporarily or permanently, in full or in part, the services made available to visitors or users through this website, with or without prior notice. Idea::Bank shall not be liable towards users, any third party individual or legal entity or institution for any changes to, suspension or interruption of the services made available through this website. Idea::Bank may change the contents and conditions to use the website at any time. The new terms shall become valid when published on the website and shall not have retroactive effects.

The products and services described herein are only valid for Idea::Bank and are the exclusive property of Idea::Bank. Idea::Bank deploys its best efforts to present the information on this website as clearly and concisely as possible. However, Idea::Bank is not and shall not be held liable in any circumstances for any inaccuracies or erroneous description of the information presented on this website.

Any person wishing to acquire any of the services or products presented herein is kindly requested to contact any of the Idea::Bank units to be informed on the availability of the desired service or product and on the contractual terms and related taxes, fees and charges.

DISCLAIMER

Idea::Bank shall not be held liable for any damages to the users of this website.

By accepting to use this website, you expressly and implicitly declare that you agree to the following:

• the use of this website is at your own risk;

Idea::Bank makes no warranty that:

• the information will meet all your requirements;
• services will be uninterrupted, timely, secure or error free;
• the results that can be obtained through using the information on this website will be accurate or reliable;
• the quality of any products, services, information or other materials purchased or obtained by you through the website will meet all your requirements;
• any programming error will be rectified.

LIMITATION OF LIABILITY:

No information on this website shall be deemed as an offer of products or services in general or as an offer of banking products or of insurance or investment consultancy products from Idea::Bank in particular. This website cannot be used as a source of recommendations on any field, the information contained herein not being meant for analysis

Idea::Bank shall not be liable for any direct, indirect, consequential, incidental, or special damages, including, without limitation, loss of profit, goodwill, possibility to use, data or other intangible or immeasurable losses (even when Idea::Bank was previously informed on the possibility of such damages), resulting from:

• the use or inability to use the information on this website;
• the cost of procurement of substitute or complementary goods or services resulting from any goods, data, information or services purchased or acquired, messages received, or transactions initiated through/from the website;
• unauthorized access or damage to the user’s transmissions or data;
• third party statements or actions on the services on this website;
• any other issue related to the services of the website. If any of the materials made available on the website, or published on the website by third parties or users is alleged to violate copyrights or other rights, this should be notified to the Idea::Bank address or using the e-mail address office@idea-bank.ro.

This website is offered AS IS and without warranties.

Idea::Bank is not and shall not be held liable for any inaccuracies, unavailability or other defects of this website or its content.

PRIVACY AND PERSONAL INFORMATION

According to the provisions of Law no. 677/2001 for the protection of individuals with regard to the processing of personal data and the free movement of such data, as amended and completed, and of Law no. 506/2004 on the processing of personal data and privacy in electronic communications, Idea::Bank shall manage safely and only for the specified purposes the personal data you provide about yourself, a family member or another person. Data collection purposes are marketing, advertising and publicity, statistics and electronic communications services. If you donnot agree to provide you personal data you will not be able to participate in competitions and you will have limited access to certain services of the Company's websites. Idea::Bank, through the website www.idea-bank.ro, processes the e-mail addresses of users. E-mail addresses will be stored in computerized databases. According to Law no. 677/2001, you have the right to access and modify the data, the right not to be subjected to an individual decision and the right to go to court. Also, you have the right to oppose the processing of your personal data and request deletion. To exercise these rights, please send an e-mail to office@idea-bank.ro or send a written, dated and signed request at the headquarters of Idea::Bank. Also, you have the right to go to court. Your data will not be transferred abroad. If some of your data are incorrect, please let us know as soon as possible. Idea::Bank undertakes not to publish the e-mail addresses of users or disclose them to a third party, unless such third party is listed among expressly authorized partners, except when this is required to comply with the law and/or judicial proceedings. Idea::Bank shall not be liable for attacks aimed at theft or vandalism which could lead to the disclosure or compromise of the data.

Idea::Bank shall have no liability whatsoever for cases when users publish their address or any other personal data on their own initiative in a public message on any of the website pages. By filling out contact forms, the user or visitor, as the case may be, give their express and unequivocal consent to the storage and processing of personal data by Idea::Bank, and Idea::Bank will keep this information confidential, except for the information requested by the competent legal authorities.

Any communication or material you send to the Idea::Bank website, such as questions, comments, suggestions or other messages of this kind will be considered non-confidential and not protected by intellectual property rights.

COOKIES POLICY

The website uses "cookies" to identify users. They do not contain any personal data of the user and have no risk if intercepted by third parties. If your browser is configured not to accept cookies, some pages may not work, in full or in part. Cookies are data that a website transfers to the hard drive of a person in order to store them. Cookies are an industry standard and are used by most websites, including those operated by us, facilitating the permanent access of a user to a website. This technology allows us to adapt our website to your needs. If you do not want us to collect information by using cookies, many browsers provide a simple mechanism that allows you to deny or accept the cookie features/functionalities. But please note that cookies could be necessary to allow us to provide you some of the features of our online services. Google, as a third party provider, uses cookies to serve ads on various websites on the Internet, which you can access. The use of the DART cookie enables Google to serve ads to you based on your visit on idea-bank.ro or other websites on the Internet. Users may opt out of the DART cookie by reading the privacy policy of Google ads and content networks. Idea::Bank reserves the right to change, review or supplement these rules at any time. Any change will be published on this page and will become effective as of its publishing on the website.

The data collected are general statistical information (including demographics such as: gender, age, location). We use Google Analytics, a web analytics service provided by Google, Inc. (“Google”) http://www.google.com/analytics/ to analyze the use of our pages, pages interaction and navigation options of our website visitors. These features are known as web measurement indicators.