Terms of Use

The terms of use listed here for written materials, product and service lists, as well as materials from the Raiffeisen BANK d.d. Bosnia and Herzegovina (hereinafter: the Bank) website represent the rules that all users of these materials are required to follow. Please familiarize yourself with the rules stated below in order to avoid any potential misunderstandings or consequences related to their use.Any use of the website www.raiffeisenbank.ba is subject to the terms stated below. All content published on the website www.raiffeisenbank.ba is the property of the Bank and may be used only for private and non‑commercial purposes. It may not be copied, reproduced, or distributed in any way without the Bank’s written consent.Raiffeisen Bank will make every reasonable effort to keep the www.raiffeisenbank.ba website fully functional and ensure that all published information is accurate and complete. However, the Bank does not assume responsibility for occasional malfunctioning of the website, potential inaccuracies in the information, or any damage arising from the use of inaccurate or incomplete information, or from the inability to access such information.Access to www.raiffeisenbank.ba is made via the Internet, which, as an international computer network, cannot be controlled by the Bank. Therefore, the Bank cannot guarantee the availability of services and information that it does not directly control.The Bank reserves the right to change the content published on www.raiffeisenbank.ba at any time and without prior notice.The stated terms apply to several segments:

Security of Data

To protect the data on this website and ensure that the service remains accessible to all users, we use programs that monitor visits and detect unauthorized attempts to violate privacy or alter data, as well as attempts that could otherwise cause damage. Any attempts to compromise privacy or alter data on this site are strictly prohibited. Legal action will be taken against all offenders in accordance with applicable laws.

Data Confidentiality

We emphasize that when you visit these pages, your personal data remains confidential unless you voluntarily choose to disclose it. We commit not to provide to third parties, sell, or in any way transfer any data received from you, except for purposes prescribed by law. At certain locations within the www.raiffeisenbank.ba website and at certain times, the Bank collects users’ personal data (name, surname, address, employer name, telephone number, e‑mail address, etc.). Such data is used for the purpose of contacting and registering users of this website, as well as for statistical analysis of site visits. The Bank guarantees that any data collected in this manner will not be sold or transferred to third parties.

Copyright

The content of this website is protected by copyright owned by Raiffeisen Bank or granted to it by third parties. The Bank also has copyright over the arrangement, selection, and coordination of the content on this site. This site contains trademarks, names of individuals, and other similar intellectual property owned by the Bank or third parties, licensed to the Bank. The content on this website is not for unrestricted use, and permission may be required for reproduction. Any violation of these rights, whether intentional or accidental, constitutes a serious breach of the terms of use of materials from the website and is subject to civil and criminal prosecution.

Warranties and Disclaimers

The material on this website is provided without any warranties of any kind, whether express or implied. Every user expressly accepts that the use of this website is at their own risk. The Bank does not guarantee that the website will always be available, free of errors or viruses, nor that the information published will be accurate or reliable.The Bank is not liable for any damage or injury (including, but not limited to special or consequential damage) that may arise from the use or inability to use any part of this website, or from anything published on it or added by other users. The Bank assumes no legal responsibility for the accuracy, completeness, or usefulness of the data and procedures shown here and does not guarantee that the use of the information, products, or procedures will not infringe on private rights. The Bank does not provide any warranty or right of objection regarding the accuracy or completeness of any materials on its website, and such materials should be taken “as is.” The Bank is not responsible for any consequences that may arise from different interpretations of the materials on the website.Media entities and other Internet users are obliged to compensate the Bank for any claims, costs, damages, or liabilities arising from improper use of materials from this site, including any direct, indirect, incidental, special, or consequential damages.

Accuracy of Data

All data contained on our website may not be entirely complete or correct. The Bank does not guarantee the accuracy or completeness of the published information. In case of an error, the Bank will attempt to correct it by updating the website content. The accuracy of published data depends largely on how such information is sourced from publicly available sources. Based on its own research and gathered information, the Bank has supplemented or corrected noticeably inaccurate data.

Control

You may request a review of all personal data we have received from you at any time, at any of our online addresses. Upon your request, we can update, correct, or delete such data (if still stored in our databases) or stop using it in the future. For any inquiries, you may contact us via email at dpo.rbbh@raiffeisengroup.ba.

Service

Our service uses statistical software programs for network management, which help us administer the website. These programs are standard across all web services and are not unique to our website. Statistical programs allow us to determine which data is most or least interesting to users, which types of information should be added, the efficiency of the website structure, and its overall traffic.

Sending Emails

When you send us an email containing a question or comment and your personal data, we will use that information solely to fulfill your request. In such cases, your email may be forwarded to other employees to provide an appropriate response.

Why You Receive Emails From Raiffeisen Bank

You receive emails from Raiffeisen Bank if you have entered your email address into our news subscription service and/or indicated that you wish to receive emails from Raiffeisen Bank.

Unsubscribing From the Email List

All notifications sent by Raiffeisen Bank include an option to unsubscribe from the mailing list. Once you unsubscribe, you will no longer receive notifications via email.

Privacy Protection

To protect data and ensure that this service remains accessible to all users, we use programs that monitor visits and detect unauthorized attempts to violate privacy or alter data, as well as actions that could cause damage. Attempts to breach privacy or alter data on this site are strictly prohibited. Legal action will be taken against all offenders.

Confidentiality of Data

We emphasize that your personal data remains confidential unless you voluntarily choose to disclose it. We commit not to share, sell, or otherwise transfer any data received from you, except for purposes prescribed by law. At certain parts of the www.raiffeisenbank.ba website and at certain times, the Bank collects users’ personal data (name, surname, address, employer name, telephone number, email address, etc.). Such data is used for contacting and registering users and for statistical analysis of site visits. The Bank guarantees that such data will not be sold or transferred to third parties.

Changing Personal Data

You may update your personal data using this link.All your suggestions, complaints, or compliments can be submitted via this link.

Links

We take all reasonable measures to ensure that when redirecting from our website, you are directed to websites with safe and high‑quality content. However, websites and online addresses change rapidly, and we cannot guarantee the content of every address we link to. If you have any questions or concerns regarding our personal data protection policy or your experience with this website, please contact us at marketing.pr@raiffeisengroup.ba.

Website Analytics Tool – Mouseflow

To optimize our landing pages and improve our services, we may record your session using Mouseflow, a web analytics tool. Please note that no personal data is processed or shared with third parties during session recording.

Kameleoon

"To improve our website's usability and provide a more personalized experience, we utilize the third-party service Kameleoon, which performs functional. non-personalized experiments. These experiments include:• Data Collection: Kameleoon collects anonymous browsing data ('hot data'), such as page clicks, navigation patterns, and device information. This data cannot be used to identify you personally.• A/B Testing: You may be included in A/B tests or personalization campaigns. These tests are used to optimize content, layout, or functionality.• Storage: Data is stored locally in your browser and on secure servers for up to 365 days."If you opt-out of analytics/targeting cookies via our consent manager, Kameleoon will not store cookies or process data for these experiments, and such experiments will not be performed."

Raiffeisen Research

Publications and content on the website, or any part thereof, may not be considered an offer or invitation to buy any type of asset or rights. The information, opinions, analyses, conclusions, forecasts, and projections published on the site are based on public statistical and other information from sources whose completeness and reliability the Bank does not doubt, but cannot guarantee. All information provided on the website is subject to change, depending on updates to source information and changes occurring between the time the text was written or published and the time it is read. The information on the website is solely for informational purposes and cannot be considered advice or an offer to buy or sell any investment instrument regulated by capital market laws of Bosnia and Herzegovina or other countries. Documents or parts of documents may not be copied or reproduced in any way without citing the source.