Declaration of Acceptance

The Marles Group companies, while striving to treat their clients fairly, accept no responsibility for any errors (whether due to timing discrepancies, input errors or otherwise) in the content, correctness or accuracy of the information published. They are for information purposes only, so please be sure to check them with employees of Marles Group companies before using them. Any attempt to unauthorisedly modify, delete, damage or render useless (permanently or temporarily) the data contained on the Website, as well as any attempt to unauthorisedly access any other content within the Marles Group's information system bypassing the Website, shall be punishable by a criminal offence.

Copyright / Trademarks

This Website is the intellectual property of Marles Group companies. All information, data, products, descriptions of services and other content, including all computer programs available on the Website (hereinafter referred to as Content) are protected by copyright. Users may not modify, copy, distribute, transmit, display, publish, sell, license, transform into derivative products, or use for any commercial or public purpose any Content available on or through the Website.

Images of persons, objects, places and other images displayed on the Website are either the property of Marles Group companies or published with the permission of the owner. Any use of these images without the written permission of the owner is prohibited. Any unauthorised use of these images constitutes a violation of copyright or other intellectual property rights or data protection regulations.

The trademarks, logos and service marks (hereinafter referred to as Trademarks) displayed on the Website are the property of Marles d.d. or its affiliated companies or third parties and are protected by international trademark law. Users may not use any of these trademarks for any purpose without the written permission of Marles d.d. or its affiliates or the third party that owns the trademarks. The registered service marks of Marles are: Marles both as an image and word.

Hypertext links

This Website may link to other websites by letting the User leave this Website to view material owned by a third party or to transfer material owned by a third party to this Website via "reverse" hypertext links (hereinafter referred to as Linked Sites). The Marles Group companies are not entitled to modify, update or verify the content of the Linked Sites. The fact that Marles Group companies provide a link to a particular website does not necessarily imply endorsement, authorization, sponsorship or affiliation by Marles Group companies of that website, its owners or providers. Using and relying on information from the Internet carries certain risks, and we urge you to become familiar with these risks before relying on, using or obtaining such information from Linked Sites.

No liability

The content on this Website is for information purposes only. The Marles Group companies accept no liability for any errors in the Content and the correctness and accuracy of the information published, which may arise due to timing discrepancies, input errors or other causes. The Content published on this Website or on Linked Websites may contain inaccuracies or typographical errors. The Marles Group companies expressly exclude their own liability for such inaccuracies or errors. All Content on this Website is subject to change and may become inaccurate or incorrect at any time. The Marles Group companies do not warrant or guarantee that the content of the Website is complete or up-to-date. The Marles Group companies are under no obligation to update any of the Content of the Website and may change the Content of the Website at any time without notice and may improve or modify the Website at any time.

The Marles Group companies are not responsible for:

- the accuracy or reliability of any opinion, advice or statement published on the Website by a third party,

- any content published on Linked Sites; and

- the performance or reliability of any product or service obtained from Linked Sites.

The Marles Group companies are not responsible for the form and content of information provided by means of hypertext links to other information servers.

Limitation of liability for the use of the Website and Linked Sites

The Marles Group companies, any of their employees, directors, agents or representatives are not liable for any present or future damages, direct or indirect (including but not limited to lost profits, costs of replacement services or lost opportunities) arising from or related to the use of or inability to use the Website or the Linked Sites. This limitation of liability applies even if the Marles Group companies were aware of the possibility of such damages. This limitation of liability includes, but is not limited to, the transmission of any viruses that may infect the User's equipment, failure of mechanical or electronic equipment, communication lines, telephone or other problems with establishing communication (for example: you are unable to connect to your online service provider), unauthorised access, theft, operator error, strikes or other work-related problems, or any force majeure. The Marles Group companies do not guarantee continuous, uninterrupted or secure access to the Website.

In no event are the Marles Group companies liable for any loss or damage of any kind incurred as a result of a User's reliance either on information (whether correct or incorrect) published on the Website or Linked Sites, or on any product or service obtained from Linked Sites. It is the User's responsibility to check the accuracy, completeness or usefulness of any opinion, advice or other Content available on the Website or accessible on Linked Sites. Please consult appropriate experts to evaluate any opinion, advice, product, service or other content, and you should always check all information and data published on this Website or on Linked Sites with Marles Group employees or other appropriate experts before using it.

Limitation of liability for information about the services of third parties published on the Website

In the case of service packages where the services of the Marles Group are combined with the services of third companies or third persons (hereinafter referred to as Third Parties), the Marles Group companies allow Third Parties to publish information (and to access Linked Sites of Third Parties) on the Website for the sole purpose of informing Users, and in any event does not constitute advice or an offer. As all information published in this way is for information purposes only, you must check it with the employees of the Marles Group companies before using it, or with the employees of Third Parties if the information relates to their services.

Any claim for any error or infringement arising in connection with the services of Third Parties in respect of which information has been published on the Website should be asserted exclusively against the Third Party in question. The Marles group companies exclude any liability of their own, including but not limited to liability for any direct, additional, special, consequential, incidental or indirect damages in relation to the goods or services in respect of which information has been published on the Website, including, but not limited to, liability for any act, error, omission, injury, loss, accident, delay or irregularity resulting from the fault, negligence or other conduct of another person, and Marles Group Companies are hereby released from any liability in respect of the foregoing. However, nothing in this paragraph restricts the rights or claims of Users arising from consumer protection legislation.

Confidentiality of User Communications

The Marles Group companies will protect the personal data of (registered) Users provided directly to the Marles Group companies, unless otherwise required by law. The policy of the Marles Group companies regarding the acquisition and protection of personal data is set out in the Marles Group companies' Statement on Online Data Privacy and Protection of Personal Data Collections. Linked Sites may be subject to confidentiality provisions that differ from those set out in these General Terms and Conditions.

Linked Sites

The Marles Group companies prohibit caching, unauthorised hypertext linking to the Website and "framing" of any Content accessible through the Website. The Marles Group companies reserve the right to disable any unauthorised links or frames and expressly exclude their own responsibility for any content published on any other Linked Sites. The User accesses Linked Sites at their own risk.

Linked Sites may be subject to general terms and conditions, privacy and confidentiality provisions, provisions on the transfer of personal data and other provisions that differ from those set out on this Website. The Marles Group companies are not responsible for such provisions and expressly exclude any liability of their own with respect to such provisions.

No advice or offers regarding investments

The Content of this Website is intended solely for the information of Users and in no way constitutes advice or a binding offer, however expressed or presented.

All information published on this Website is for information purposes only and should be checked with authorised Marles dealers before use.

Informative calculations on the Website

The calculations on the Website are for information purposes only and take into account the conditions and assumptions in force at the date of the calculation. The informative calculation is not binding on the Marles Group companies; you can obtain a precise calculation from the offices of the Marles Group companies.

Information concerning the future

Some of the information on this Website contains forward-looking statements that involve a degree of risk and uncertainty and is therefore only valid as at the date of creation. Forward-looking statements can be identified by their inclusion of the words such as "believe", "expect", "anticipate", "optimistic", "intend", "plan", "will" or similar expressions. Users should not rely on these statements as they are only valid at the time of creation.

Press releases

All press releases and other materials presented on the Website were, to the best of the knowledge of the Marles Group companies, current and accurate at the time of their publication. However, such information may become outdated over time and you should not rely on the long-term accuracy of any material after the date of publication. All Users should check carefully the date of publication of material on the Website.

Changes to the Terms and Conditions

The Marles Group Companies reserve the right to modify or amend these Terms and Conditions at any time. By accessing the Website, you confirm that you accept any changes or amendments.

Violation of the Terms and Conditions

The Marles Group companies reserve the right to pursue all legal remedies and rights available to them in the event of a violation of these Terms and Conditions, including the right to block access to the Website from a particular web address.

Access to (password-) protected areas

Access to and use of (password-) protected areas of the Website is restricted to authorised users only. Unauthorised users attempting to access these areas of the Website may be subject to legal action.

Features of cookies

The Marles Group companies reserve the right to store information on the user's computer in the form of a " cookie or similar file, the purpose of which is to personalise the Website to the user's preferences. The Online Data Privacy Statement of the Marles Group companies contains additional information on the use of cookies by these companies, as well as on the procedures for disabling them.

Jurisdiction / applicable law

Users agree that the use of this Website and the interpretation of these Terms and Conditions shall be governed by the laws of the Republic of Slovenia. Any disputes arising out of or in any way connected with the use of this Website are subject to the jurisdiction of the courts of Maribor, in accordance with the law of the Republic of Slovenia.


Privacy Statement

This Online Data Privacy Statement sets out the policy of the Marles Group companies with regard to the collection, use and protection of data about registered Users on this Website.

What data is collected and how it is used

Tracking your activities on the Website

When you browse this Website and you are not logged in to any online service, you browse anonymously. We do not collect any personal data about you - such as your name, address, telephone number or email address - while you are browsing.

However, we do track how our Website is used by both anonymous users and registered users. One of the tracking methods we use, commonly known as a cookie, is a short text string that we send to your browser. Cookies collect information including the server your computer is connected to, your browser type (e.g. Internet Explorer, Firefox, Chrome, etc.), and whether you have responded to a banner or other advertisement from Marles through another website or a link from an email or RSS feed. The cookie cannot retrieve any data from your hard drive, transmit computer viruses or record your email address or any other personal data.

Another way of tracking activity on the Website includes the use of transparent graphics such as Clear GIFs, Web Bugs or Web Beacons. These images count the number of users who visit the Website through individual banner or other advertisements outside the Website or through links from emails.

Data collected at registration

When you become a registered User of this Website, you are obliged to provide us with some of your personal data:

- first name

- last name

- e-mail address (used as your username)

You can also optionally provide us with the following data:

- date of birth

- gender

- number of family members

- education level

- personal income

- occupation

- use of e-banking

If you wish to access the (password-) protected corporate and private areas of the Website, you must provide us with details of your organisation:

- the tax number of the legal entity or private person. You can also optionally provide us with the following data:

- the type of organisation,

- number of employees,

- annual turnover,

- main area of operation.

Information we collect after registration

Once you have registered to use a particular online service, Marles collects data on:

- your use of the Website,

- your use of the Marles online service for which you have registered.

Data collected when you complete forms on the Website

By confirming the data you enter in the selected forms, you authorise the Marles Group companies to process the data provided in the selected forms in their own databases and to use them for the following purposes: statistical processing, customer segmentation, processing of past behaviour on the Website and purchasing behaviour, fulfilment of contractual obligations, informing customers of any defects in services, sending offers, promotional materials, greeting cards, magazines and newspapers, prize competitions, prize draws for advertising purposes and invitations to events, and for surveys conducted by telephone, in writing and by electronic means.

The data collected from the selected forms may be processed by Marles Group companies until the consent of the responsible person who validated the selected forms has been withdrawn in writing. The written withdrawal of consent may be transmitted by the responsible person to the Marles Group companies via the internet or by post sent directly to their address. Notwithstanding the withdrawal, the Marles Group companies will continue to use the data in question, but only for the performance of their contractual obligations and the exercise of their rights under the contractual relationship.

How we use personal data

When you become a registered user of the Website, we use this data to provide you with the services for which you have registered. Together with the data we hold about you because you are a registered user of the Website, publicly available information and preferences you have indicated, this data is used to tailor the online options to your preferences and to provide you with better online and offline offers and updates. In this way, the User authorises the processing of their personal data in our databases and the use of such data for the following purposes: statistical processing, customer segmentation, processing of past purchasing behaviour, sending of offers, promotional materials, greeting cards, magazines and newspapers, prize competitions, prize draws for advertising purposes and invitations to events, as well as for surveys conducted by telephone, in writing and by electronic means. The Marles Group companies may process personal data for the purposes set out in this paragraph until the User's written withdrawal of consent.

How we use your email address

We may use your email address to send you the following types of email notifications:

- occasional communications about our services and sales offers from Marles group companies,

- regular email newsletters about the services of the Marles Group companies to which you are subscribed,

- favourable offers from our business partners, which we send to you on their behalf,

- other notifications to which you have subscribed. You can choose at any time not to receive offers and/or other email notifications from Marles Group companies.

In order to tailor our email offers as closely as possible to your tastes, we may use information that you provide to us during your first transaction with us, in surveys and the data that we hold because you are a registered user of the Website - such as your lifestyle - as well as information from external sources, e.g. data from the Statistical Office of the Republic of Slovenia.

Setting your preferences for cookies

You can set your web browser to notify you when a cookie is installed on your browser. You can also set your browser to refuse or accept all cookies. These programs are necessary for the administration of the Website and for security reasons.

Advertising related to this Website

Marles Group companies engage other companies to place their banner or other advertising on other websites and to perform tracking and reporting activities (third party ad servers). In the course of their work, these companies do not collect personal data for Marles and its affiliates, nor do Marles and its affiliates provide any personal data to them. Third party ad servers are subject to their own data privacy policies.

Unsubscribing

If you no longer wish to receive offers or other notifications by email, please select the Unsubscribe option and enter your email address.

Data Protection

Data protection features of the Website

At Marles Group companies, we recognise the importance of data protection and have implemented a number of measures to improve the protection of personal data or sensitive information that these companies receive or transmit over the internet. First of all, a secure connection is established using "Secure Socket Layer (SSL)" technology. This happens whenever you transmit or access personal data or sensitive information in one of our secure online areas. SSL technology establishes a private communication that can only be understood by the communication system on your computer and the communication system of Abanka and its affiliates. SSL technology encrypts the data sent over the internet between the system on your computer and the system of Abanka and its affiliates, thereby ensuring that the transmitted data remains encrypted. The use of SSL requires two components: a browser with an SSL option, and a web server that performs the exchange of keys and thus establishes a secure connection to the Marles web server systems.

Technological requirements for the use of SSL technology

1. Suitable browser
You need a browser with the SSL option. Examples of such browsers are Firefox and Microsoft Internet Explorer from version 2.0. Please note that some older browser versions do not support SSL connections. If you do not have a browser with SSL, you can download an SSL browser from the internet. In order to securely access your personal data or sensitive information online, we recommend that you use the latest browser versions available.

2. A suitable internet service provider
Almost all internet service providers (ISPs) automatically provide the secure SSL connection described above. If you are using your company's internal connection to access the internet and find that you cannot open the secure pages of Abanka and its affiliates using the SSL browser described above, this may be because your company is blocking access using a firewall. Please discuss any additional details regarding your internet access with your company's internet access system administrator.

Username and password

Certain areas of the Website require the use of a username (your email address) and password as a security measure to help protect sensitive information. In this way, Marles and its affiliates verify your identity to enable you to access your data and (password-) protected areas of the Website and to prevent unauthorised access. Please bear in mind that browser software often caches a page when you view it, which means that some pages are stored in your computer's temporary memory. Therefore, when you click on the "Back" button, it may show you a saved version of the page you were previously viewing. Caching in no way affects the security of your confidential username or password. If you use a computer in a public place to access your data and (password-) protected parts of the Website, you should close the browser before you leave to reduce the chance of someone else having access to your confidential data and (password-) protected parts of the Website.

Linking to other websites

You should bear in mind that other websites to which you connect via the Website or email of Abanka and its affiliates (Linked Sites) may contain data privacy provisions that differ from the provisions of this Online Data Privacy Statement. To protect your privacy, we recommend that you review the privacy statements of other websites that you visit.

Principles regarding the privacy of user information

We only collect the user data that we need and we explain to Users how we use it. When we collect user data, we limit it to the data that we need to customise the Website, to provide services to (registered) Users, to offer new services, and to comply with legal requirements and regulations. We also explain to Users the general use of the data that we collect about them and offer additional explanations upon request.

Users can choose how their data will be used

This Website offers registered Users the possibility to decline when deciding whether their data should be used to make sales offers. These marketing choices include offers from Marles Group companies for services and offers from our business partners. Of course, Users can still receive the universal offers and notifications to which they have subscribed.

Data quality assurance

We use advanced technology, documented procedures and internal monitoring practices to ensure that user data is processed quickly, accurately and completely.

We use sensible data security protections

We only allow access to systems containing data on registered Users to those who specifically need it to carry out their work and fulfil their duties in the area of servicing registered Users. We use safeguards designed to protect the confidentiality and security of the data of registered Users.

We restrict the disclosure of information about registered Users

We only disclose personal (and other) data about registered Users with the permission of the User to whom the data relates or if so required by law.

These data privacy principles also apply to our business relationships

We encourage our business partners to take appropriate care of their clients' data by adopting ongoing and effective data privacy policies and practices, including the clients' choice to decline sales offers. In addition, we actively participate in business associations where we advocate for the development of comprehensive data privacy policies and implementation strategies.

Personal Data Protection

Marles Group companies may process personal data of persons with whom they have a contractual relationship if the personal data is necessary for the performance of a contractual obligation or the exercise of rights under a contractual relationship or if they have the written consent of the data subject for the processing of their personal data.

Security of the premises

The premises where the media, hardware and software containing personal data are located are safeguarded by organisational and/or technical measures to prevent unauthorised persons from gaining access to personal data.

Communication networks

Personal data may be communicated by information, communication and other means only if procedures and measures are in place to prevent unauthorised persons from seizing or destroying the data and from gaining unauthorised access to its contents.

External users of the data

Marles Group companies may only disclose personal data collections to external users if they have been authorised to use them by law or on the basis of a written request or consent from the data subject. External users may only use the data obtained for the purposes set out in the Personal Data Protection Act and may not pass it on to other users.

Marles Group companies may only disclose personal data to a person who is not a data user under the Personal Data Protection Act if that person intends to use the personal data for statistical or scientific research purposes, in a form that does not permit the identification of individuals.

Deletion of personal data from the database

Personal data may be stored and used only for as long as necessary to achieve the purpose for which it was processed.

After the purpose referred to in the preceding paragraph has been fulfilled, the personal data is deleted from the database or blocked, unless otherwise provided by law for specific types of personal data.

When deleting personal data from computer media, a method of data erasure is applied which makes it impossible to recover all or part of the deleted data.

Rights of the data subject

Marles Group companies must, at the request of a registered user of the Website:

- provide access to the data catalogue, access to and copying of the personal data contained in the database relating to the User;

- provide an extract of the personal data contained in the database relating to the User;

- provide a list of persons to whom personal data contained in the database and relating to the User has been communicated during a specified period;

- provide access to the sources on which the records contained in the database relating to the data subject are based and to the method of processing.

The request referred to in the preceding paragraph must be made in writing to the Marles Group company as the controller of the personal data file.

Marles Group Company