Terms and conditions of use of the GRAWE Hrvatska Inc. website

The terms and conditions of use of the GRAWE Hrvatska Inc. website (“Terms of Use”) shall govern the use of the website www.grawe.hr as well as the relationship between the User and GRAWE Hrvatska Inc. with respect to the use of this website.

By accessing this website or using any content of this website, the User confirms he/she has been informed of the Terms of Use and he/she accepts their application.

Definition of terms

Certain terms used in these Terms of Use shall have the following meaning:

GRAWE or Company shall mean the company GRAWE Hrvatska Inc., with its seat in Zagreb, Ulica grada Vukovara 5, 10000 Zagreb, Croatian Personal Identification Number (OIB): 28406115764, registered with the Court Register of the Commercial Court in Zagreb under the company number (MBS): 080042838; Phone no.: +385 (0)1 30 34 000; Fax no: +385 (0)1 30 34 500; info@grawe.hr; www.grawe.hr. Croatian Financial Services Supervisory Agency (www.hanfa.hr) is responsible for supervision of Company’s business operations.

Website shall mean the www.grawe.hr website.

Website content shall meanevery data, service, application, link or other content published on the website or made available via the website.

User or You shall mean any person accessing the website and/or using any content on the website.

Content and use of website

The website provides information on the company GRAWE, its products and services as well as information on products and services of other companies pertaining to GRAWE group.

Unless otherwise specifically mentioned, all data contained on the webpage shall not be considered an offer or invitation to make an offer, or an advice or recommendation on behalf of GRAWE. Insurance products and their scope of cover are given on the website in their short, informative form and, in case of insurance contract stipulation; solely the insurance contract provisions and the agreed insurance terms and conditions shall be considered valid. If you would like to stipulate an insurance contract, please feel free to contact GRAWE’s sales representative.

The access and use of certain website contents may be subject to use of PC and mobile devices fulfilling special technical requirements established by GRAWE. GRAWE shall have the right to modify at any time the requested technical configuration of computer and mobile devices, necessary for accessing the website and/or using certain website contents.

At its discretion and without prior notice, GRAWE shall be entitled to modify, amend or temporarily or permanently deny the access at any time to any content on the website and shall not be held responsible in any way for any possible consequences of such changes.

Non-liability

The company GRAWE shall publish the data contained on the website exclusively for information purposes and shall make reasonable efforts to ensure they are being accurate. The published data referring to GRAWE and by GRAWE provided products and services shall be considered accurate and complete at the time of their publication. However, their accuracy and completeness shall not be granted at the time of their use.

With respect to published data concerning third parties and their products and services, GRAWE shall only guarantee that such published data are in accordance with the data received, for the purpose of their publication, by a party to whom such data relate and belong i.e. that they are in accordance with the data available from public sources and shall not guarantee accuracy and completeness of such published data.

GRAWE shall not guarantee that the third party website(s), which are made available by means of links from the very website, will be free from viruses or other malicious programmes and shall not be held responsible for eventual problems such programmes may cause to your device (PC, mobile phone, tablet or similar), including damage and/or destruction of data stored on your device. Therefore, GRAWE suggest you take adequate security measures such as installing antivirus programmes and regularly update them along with adequate upgrades as recommended by the manufacturer.

You shall not consider data on the website as a basis for substantial personal, financial or business decision making and you shall agree not to hold GRAWE responsible should your expectation not be met.

GRAWE shall not be held liable for any direct and/or indirect material and/or non-material harm , loss or expense of any kind arising from or that may occur to you or any other third party due to use or impossibility to use or the abuse of the website or any other information published on the website.

Links

This website may contain links (hyperlinks) to website administered by other persons (third parties’ websites) who allow you to leave the website and access the content of third parties’ websites, or who may allow the publication of contents of third parties’ websites on the website. Whenever possible, such links shall be specifically identified.

Since it does not exercise control over contents published on third parties’ websites, the company GRAWE shall not be held responsible for the accessibility of  third parties’ websites and their terms and conditions of use, for the content they publish and services you may be allowed to use on them, for the transfer and for the safety of the transfer of data exchanged via third parties’ websites as well as for the protection and use of personal data the User communicated on such third parties’ websites.

You shall use third parties’ websites at your own responsibility and we recommend you to familiarize with their terms and conditions of use before using them.

Intellectual property

Unless otherwise stated, all content on this website (text, graphic elements, images, photos, video material, animations, etc.), including its design and other web page elements, shall be the exclusive property of GRAWE and shall be protected by laws on intellectual property rights.

You may use the content of this website solely for personal and non-commercial purposes and store such content for the said purposes solely on your device (personal computer, mobile phone, tablet or similar). Partial or complete recording of data on any other storage media, its reproduction, publication or use for commercial purposes shall be allowed solely upon prior written consent on behalf of GRAWE.

Protection of personal data

In case you send us your personal data via online services available on the website, we shall use them solely for the purposes designated or necessary and we shall never disclose them to third parties.

For instance, if via the website you request to receive information on our products or you want to be contacted by our sales agent, or you would like to receive an information offer or similar, the personal data you send us (e.g. your name and surname, address, phone number or email) we shall use solely for the purpose of acting according to your request.

GRAWE shall undertake to process your personal data in accordance with provisions of the General Data Protection Regulation and in accordance with the Act on Implementation of General Data Protection Regulation.

Use of cookies

Cookies are small data files stored on the device of a website user (PC, mobile phone, tablet, etc.). They contain data on websites visited, which are stored by user’s browser during his/hers website browsing.

The main aim of the cookies is to recognise the user every time he/she accesses the website and they are suitable for storage and forwarding of information on user’s behaviour while browsing. Data stored in cookies are anonymous and do not contain personal data such as personal name or email address. Therefore, it is not possible to connect data stored in cookies with a particular person. Cookies are used in order to improve the quality of services provided, to recommend content and search results, as well as for the tracking of user trends. This way it is possible to analyse the use of digital platform and to gain insight on user’s needs. Such collected information may be used then to improve the quality of digital platforms.

First-party cookies come from websites you are viewing, and they can be persistent or temporary. Websites use them to store information which they will use again when you access the website next time.

Third party cookies are cookies placed on the website you are viewing by other websites such as YouTube. We don’t have access or control over third parties’ cookies and we recommend you to familiarize with the respective third parties’ cookies policy.

Temporary or session cookies are removed from your device immediately after closing web browser i.e. they remain on your device only temporarily.

Persistent or stored cookies remain stored on your device after closing the web browser.  Websites use them to store information and to make the site easier to use. For instance, websites that require the user to enter his/her username or password will “remember” your entry so that you don’t have to sign in every time you visit a website. Persistent cookies will remain stored on your devices for days, months, or even years, which depends on the setting you chose on your web browser.

This website uses the following cookies:

Functionality Cookies

Functionality cookies are necessary for the use of our website to its full scope. These cookies allow a quality and proper work of our website and access to all our services.

 We do not need your permission for these cookies and you can’t refuse their use.

Tracking and Marketing Cookies

Tracking cookies help us analyse user behaviour and based on this information, optimize the usability. Marketing cookies enable us to display advertisements adapted to your interests.

Our cookie-banner allows you to activate and deactivate our tracking and marketing cookies at any time.

Functionality Cookies

Tracking and Marketing Cookies

Most browsers give their users the possibility to control cookies at their will. This also contains the possibility to delete cookies. More information about the application of cookies in different browsers can be found here:

• Internet Explorer
• Google Chrome
• Firefox

If you block cookies entirely, it might be the case that you can no longer use the full scope of functions of our website.

More information about cookies and/or usage-based online advertising can be found here: http://www.youronlinechoices.com/hr/.

Google Analytics

This web page uses Google Analytics, a web analysis service provided by Google Inc. (Google). Google Analytics uses cookies. The information generated by the cookie on the use of the web site (including the IP address) shall be directly transmitted and filed by Google within its servers in the USA. Google shall use the information for this website to trace your use of said website, compiling activity reports and providing other services related to the website activity and the use of internet. Google may also transfer this information to third parties if this is required by law or to the extent this data is processed by third parties on Google´s behalf. Google states that it will in never associate your IP address with other data held by Google. You can prevent cookies from being installed by adjusting the settings on your browser software accordingly. You should be aware, however, that by doing so you may not be able to make full use of all the functions of our website. By using this site you agree to processing of your personal data collected by Google in the abovementioned way and in the abovementioned purpose.

Should you wish to stop such information being sent to Google Analytics, you may download Browser-Add-ons.

DoubleClick

This website uses cookies from DoubleClick to measure the effectiveness of our advertising campaigns, to limit the frequency with which users see a particular ad and to only display ads that are relevant to users and their interests. Particularly information about the time of the visit, the clicked advertising, as well as the previous user behaviour on third parties’ websites are determined and stored. This information will not be shared with third parties, it will only be used for campaign management and campaign control. For more information, see

https://www.google.com/policies/privacy/ads/

or

https://www.google.com/settings/u/0/ads/authenticated

Retargeting

This website uses retargeting technology for online advertising. This makes it possible to specifically address the Internet browsers with advertising that have already shown interest in our products and services. It is known from studies that the display of interest-based advertising is more interesting for the Internet user than advertising that has no such relevance. With retargeting, the display of the advertising media is done on the basis of a cookie-based analysis of the previous visit behaviour. This website uses the Google Analytics functions for marketing tools such as remarketing lists for search ads and remarketing for the Google display network. It goes without saying that no personal data are saved during this process. If you do not wish interest-based advertising from Google to be displayed, you can deactivate this function here https://adssettings.google.com/authenticated?hl=hr.

Facebook-Pixel

GRAWE uses "Facebook Pixel" of the social network Facebook Inc. (Facebook). The Facebook pixel can track the behaviour of users after clicking on a Facebook ad. With the aid of the Facebook pixel, we can understand how our marketing measures are being adopted on Facebook and, if necessary, are taking optimization measures. If you want to disable cookie storage for Facebook, you need to change your browser settings. Please use the “Help” menu of your browser for further information. The data collected remain anonymous and do not provide any information about the identity of the users. Facebook stores and processes the data for its own advertising purposes in accordance with the Facebook Data Directive (https://www.facebook.com/about/privacy/).

Gender neutral form of address

The terms and conditions used on this website that have gender meaning are used neutrally and apply equally to male and female gender.

Final provisions

At any time and without prior notice, GRAWE shall be entitled to modify or amend the Terms of Use. All amendments of the Terms of Use shall be published on the website and by accessing the website or by using its content after the publication of such amendments, we assume you shall accept them.

The invalidity or unenforceability of any provision of the Terms of Use shall not affect the validity and enforceability of other provisions and of the Terms of Use in its entirety.

For interpretation, application and legal effects of all permissions, exclusions and Terms of Use, the substantive law of the Republic of Croatia shall be applicable.

Croatian courts, with application of the laws of the Republic of Croatia, shall be exclusively competent for resolving all claims and disputes that arise as a result of the application of these Terms of Use i.e. of the use of this website.

Status: November 2018