General terms and conditions

You have entered the website of the Marles Group (hereinafter referred to as the "Website"). Your access thereto and its use are governed by these general rules and certain laws. By entering the Website, you confirm that you are acquainted with these General Terms and Conditions, that you agree therewith and that you are bound by the provisions contained therein. The Marles Group reserves the right to amend these General Terms and Conditions without prior notice. For this reason, you are advised to keep note of any amendments thereto to be published on this Website. All individuals entering this Website shall be referred to as Users.

Acceptance Declaration

Despite their efforts to treat their customers in a proper manner, companies forming part of the Marles Group shall not be held liable for any errors in terms of the content, accuracy and precision of posted data (that may have resulted from asynchronicity, errors in data entry or from any other reason). As these are given only for information purposes, you shall verify them with employees of companies forming part of the Marles Group before use. Any unauthorised attempt to change, delete, damage or render (temporarily or permanently) unusable any data on the Website or any attempt to secure unauthorised access to any other content forming part of the IT system of the Marles Group via the Website constitutes a criminal offence.

Copyright/brands

This Website is the intellectual property of companies forming part of the Marles Group. All information, data, products, service descriptions and any other content, including all software, available on our Website (hereinafter referred to as "Content") are protected by copyright. Users shall not modify, copy, distribute, download, post, publish, sell, licence, transform into derivative products or use any Content accessible on the Website or via the Website for any commercial or public purposes.

Images of individuals, objects, locations and any other images are owned by companies forming part of the Marles Group and have been published with the permission of the owner. Any use of these images without the written authorisation of the owner is prohibited. Any unauthorised use of these images shall constitute an infringement of copyright or other intellectual property rights or personal data protection regulations.

Brands, logos and service marks (hereinafter referred to as "Trademarks") posted on the Website are owned by Marles d.d., its affiliated companies or third parties and are protected globally. Users shall not use any of the aforementioned Trademarks for any kind of purpose without the written authorisation of Marles d.d., its affiliated companies or the third party that owns these Trademarks. Registered service marks of Marles are: Marles v sliki in besedi (Marles presented textually and graphically).

Hyperlinks

This website facilitates linking to other websites by enabling the User to leave this Website to browse through material owned by a third party or to transfer material owned by a third party to this Website via "reverse" hyperlinks (hereinafter referred to as "Affiliates"). Companies that form part of the Marles Group are not entitled to modify, update or verify content on Affiliates. The fact that a specific website is linked from the Website of the Marles Group does not necessarily represent approval, authorisation, sponsorship of or association to the website, its owners or providers. As using online information and reliance thereon poses specific risks, you are called upon to become properly acquainted therewith before relying on, using or obtaining information from Affiliates.

Disclaimer

Content on this Website is given only for information purposes. Companies forming part of the Marles Group shall not be held liable for any errors in terms of the Content, accuracy and precision of posted data that may have resulted from asynchronicity, errors in data entry or from any other reason. Content published on this Website or its Affiliates may contain inaccuracies or typing errors. Companies forming part of the Marles Group explicitly exclude liability for these inaccuracies or errors. All Content on the Website is subject to change and can become inaccurate or wrong at any point in time. Companies forming part of the Marles Group do not warrant or guarantee that the Content of the Website is complete or up-to-date. Companies forming part of the Marles Group shall not be bound to update any Content on the Website and may change the Content of the Website or improve or change the Website at any time without prior notice.
Companies forming part of the Marles Group shall not be held liable for:
• the accuracy or reliability of any opinion, advice or declaration published on the Website by a third party,
• any content published on its Affiliates and
• properties or reliability of any product or service found on its Affiliates.
Companies forming part of the Marles Group shall not be held liable for the format and content of data transferred by means of hyperlinks to other information servers.

Limitation of liability for the use of the Website and its Affiliates

Companies forming part of the Marles Group and any employee, manager or agent thereof shall not be held liable for any present or future direct or indirect damage (including loss of profit, expenses pertaining to the performance of a substitute service or lost opportunity) arising from or related to the use of the Website or its Affiliates or the inability to use the Website or its Affiliates. The limitation of liability shall also apply in the event that companies forming part of the Marles Group have been notified of the possibility that such damage may be sustained. This limitation of liability shall include, but shall not be limited to, the transfer of viruses that may infect the User's equipment, mechanical or electronic equipment, communication line or telephone malfunctions or any other difficulties in establishing communication (e.g. your inability to connect to your online service provider), unauthorised access, theft, operator fault, strike or any other issues pertaining to your work or any force majeure. Companies forming part of the Marles Group shall not guarantee continuous, constant or safe Website access.

In no case shall the companies forming part of the Marles Group be held liable for any loss or damage incurred as a result of the User having relied on either the information provided (irrespective of the fact whether they are correct or not) on the Website or its Affiliates or resulting from any product or service obtained from the Affiliates. Users shall be responsible to verify the accuracy, completeness and usefulness of any opinion, advice or other content available on the Website or accessible on its Affiliates. You are advised to consult relevant experts who shall provide you with an assessment of any opinion, advice, product, service or any other Content and to verify information and data published on the Website and its affiliates prior to its use with employees of the Marles Group or other relevant experts.

Limitation of liability for information on services provided by other parties, published on the Website

In case of package services, when services provided by the Marles Group are complemented by services provided by other companies or individuals (hereinafter referred to as "Other Parties"), companies forming part of the Marles Group shall facilitate the publication of data (and access to Affiliates of Other Parties) of Other Parties, intended solely to inform the User, and this shall in no event constitute advice or a quote. As data of this kind are published for solely information purposes, you shall verify them with employees of the Marles Group or employees of Other Parties if the information provided refers to a service performed by the latter.

Any claims pertaining to any kind of errors or infringements arising from services performed by Other Parties, whose information is provided on the Website, shall be filed exclusively with the Other Party in question. Companies forming part of the Marles Group shall exclude any liability, including, but not limited to, any direct, additional, specific, consequential, incidental or indirect damage incurred in relation to goods or services whose information are published on the Website, which shall include, but shall not be limited to, any conduct, error, omission, injury, loss, incident, delay or irregularity resulting from fault, negligence or any other conduct of any Other Party, and that companies forming part of the Marles Group shall be exonerated from any kind of liability related to the above. Nothing in the provision of this paragraph shall limit the rights or claims of Users made in compliance with consumer protection regulations.

Confidentiality of User communications

Companies forming part of the Marles Group shall protect personal data of (registered) Users provided directly to companies forming part of the Marles Group save as provided by the law. The Personal Data Acquisition and Protection Policy of the companies forming part of the Marles Group can be referred to in the Declaration on the Confidentiality of Online Data and Protection of Personal Databases of the companies forming part of the Marles Group. Confidentiality provisions of Affiliates may differ from the provisions hereunder.

Affiliates

Companies forming part of the Marles Group prohibit any caching, unauthorised hyperlinks to the Website or "framing" of any Content available via the Website. Companies forming part of the Marles Group reserve the right to disable any unauthorised hyperlinks or frames and explicitly exclude any liability for Content published on any its Affiliates. The User accesses the Website's Affiliates at his/her own risk.

Affiliates may be subject to General Terms and Conditions, Data Privacy and Confidentiality Provisions, Personal Data Transfer Provisions and other provisions that may differ from the provisions listed on this Website. Companies forming part of the Marles Group shall not be held liable for these provisions and explicitly exclude liability for them.

No provision of advice or quotes with regard to investments

The Content of this Website is intended solely to inform its Users and shall in no event constitute advice or a binding quote, irrespective of the fact of what kind of text or form it is presented to the User.

All data published on this Website are given only for information purposes and shall thus be verified with employees of companies forming part of the Marles Group before use.

Informative calculations on the Website

Calculations provided on the Website are given only for information purposes and shall take into consideration terms and conditions as well as assumptions applicable on the date of calculation. Informative calculations for companies forming part of the Marles Groups shall not be binding. Exact calculations can be obtained in one of the branches of companies forming part of the Marles Group.

Information concerning the future

Some information on the Website contain declarations concerning the future that entail a significant degree of uncertainty and risk and shall thus be applicable on the date they are made only. Declarations concerning the future can be recognised by the fact that they include the words "to believe", "to expect", "to foresee", "optimistically", "to intend", "to plan", "will/shall" or similar. As they are only applicable on the date these declarations are made, Users are discouraged from relying thereon.

Press releases

All press releases and other materials presented on the Website are, to the best of the knowledge of companies forming part of the Marles Group, true and topical when they are released. However, this kind of information may eventually become out-of-date. You are thus discouraged from relying on the long-term accuracy of any materials after they have been published. All Users shall carefully verify the date of publication of the material on the Website. Amendments to the Conditions of Use of companies forming part of the Marles Group reserve the right to amend these General Terms and Conditions at any time. By entering this Website, you confirm that you agree thereto.

Infringement of the Conditions of Use

In the event of infringement of these General Terms and Conditions, the companies forming part of the Marles Group reserve the right to avail of any remedies and legal rights, including the right to block access to the Website from a specific IP address. Access to (password-protected) parts of the Website and their use are permitted only to authorised users. Any unauthorised users seeking to access these parts of the Website may be prosecuted.

Access to (password-protected) parts of the Website

Access to (password-protected) parts of the Website and their use are permitted only to authorised users. Any unauthorised users seeking to access these parts of the Website may be prosecuted.

"Cookie" properties

Companies forming part of the Marles Group reserve the right to save information on the User's computer in the form of a "cookie" or similar file whose purpose is to customise the Website to the User. The Marles Group Declaration on Online Data Privacy contains additional information on the use of "cookies" by the aforementioned companies as well as on cookie disabling procedures.

Jurisdiction / applicable law

Users agree that the use of this Website and the interpretation of these General Terms and Conditions shall be governed by the law of the Republic of Slovenia. Any disputes arising from the use of this Website or in any way related thereto shall be subject to the jurisdiction of the competent court of Maribor by applying the law of the Republic of Slovenia.

Privacy Declaration

This Online Privacy Declaration lays down the policy of companies forming part of the Marles Group pertaining to the collection, use and protection of data of registered Users of this Website.

Which data are collected and how are they used

Website activity monitoring. Whenever you browse our portal without being logged in for any online service, you are browsing the Website anonymously. During the browsing period, your personal data such as your name and surname, address, telephone number or e-mail address shall not be collected.

Companies forming part of the Marles Group shall, however, monitor the use of the Website by both anonymous and registered Users. One of the monitoring methods applied and generally referred to as a "cookie" constitutes a short text file sent to your browser. Cookies collect information, including information on the server your computer is connected to, the type of your browser (e.g. Internet Explorer, Firefox, Chrome, etc.) and data pertaining to whether you have responded to a banner or other Marles advertisement via another (and which) website or link received via e-mail or RSS Content. Cookies cannot obtain any data from your hard disk, transfer computer viruses or record your e-mail address or any other personal data.

Activities on the Website are also monitored via transparent graphic files such as "Clear GIF", "Web Bug" or "Web Beacon". These graphic files count the number of Users who visit our Website via various banners and other advertisements not found on the Website or which have been provided in various links sent via e-mail.

Data collected when you register

When you become a registered User of our Website, you submit the following personal data:
• your name
• your surname
• your e-mail address (which shall constitute your username)

You may also optionally submit the following data as well:
• your date of birth
• your gender
• the number of people living in your household
• your level of education
• your income
• your profession
• your e-banking use

If you would like to access (password-protected) parts of the Website intended for legal entities and sole traders, you are required to submit the following organisation data:
• tax number of the legal entity or sole trader.

You may also submit the following data:
• the type of your organisation
• the number of employees
• your annual turnover
• your main activity

Data collected following registration. After you have subscribed to the use of a specific online service, Marles shall collect data on:
• your use of the Website
• your use of Marles' online services you have subscribed to

Data collected when you complete forms on the Website

By confirming data entered into selected forms, you allow companies forming part of the Marles Group to process these data in its databases and use them for the following purposes: statistics, customer segmentation, processing of past activity on the Website and purchasing activities, meeting contractual obligations, notifying customers of any errors with regard to services, sending quotes, promotional materials, greeting cards, magazines and newspapers, contests, promotional contests and invitations to events and for conducting surveys via telephone, mail or e-mail.

Data received via selected forms may be processed by companies forming part of the Marles Group until the withdrawal of consent of the responsible person who has confirmed the selected forms. A withdrawal of consent in writing shall be submitted by the responsible person to the companies forming part of the Marles Group online or directly by mail to their address. Irrespective of the withdrawal of consent, companies forming part of the Marles Group shall continue to use the data in question but merely to meet their contractual obligations and to exercise rights arising from the contractual relationship.

How personal data are used

When you become a registered User of our Website, your data shall be used to supply you with the services you have subscribed to. In addition to your data that have been provided by you as a registered User of our Website, publicly available information and preferences listed by you, these data shall be used to customise online options and to provide you with better online and offline quotes and updates. Users thus allow for their personal data to be processed in our databases and to use them for the following purposes: statistics, customer segmentation, processing of past activity on the Website and purchasing activities, meeting of contractual obligations, notifying customers of any errors with regard to services, sending quotes, promotional materials, greeting cards, magazines and newspapers, contests, promotional contests and invitations to events and for conducting surveys via telephone, mail or e-mail. Companies forming part of the Marles Group may process personal data for the purposes specified in this paragraph until withdrawal of consent thereto in writing of the User.

How is your e-mail address used

Your e-mail address may be used to send you the following e-notifications:
• periodical notifications with respect to our services and quotes of companies forming part of the Marles Group,
• a regular e-newsletter on services provided by the companies forming part of the Marles Group you have subscribed to,
• low-priced quotes of our business partners that are sent to you on their behalf,
• any other notifications that you have subscribed to. You may unsubscribe from receiving quotes and/or any other notifications from the companies forming part of the Marles Group at any time via e-mail.

In order to be able to customise our quotes to your taste as much as posssible, companies forming part of the Marles Group may use data provided by you during your first transaction with us, during surveys and data we are in the possession of because you are a registered User of our Website – such as about your lifestyle – and information from external resources such as the Statistical Office of the Republic of Slovenia.

Setting your "cookie" preferences

Your browser's settings may be changed so that you are notified whenever a "cookie" is saved. You may also set your browser to either block or accept all "cookies". All these programs are required for Website management and security reasons.

Advertisements related to this Website

Companies forming part of the Marles Group hire other companies to place their banners or other advertisements on other websites and conduct monitoring and reporting services (third-party advertisement servers). When performing their duties, these companies shall not collect any personal data for Marles and its affiliated companies or shall not receive personal data from Marles and its affiliated companies. Third-party advertisement servers are subject to their own Data Privacy Policies.

Unsubscribe. If you no longer wish to receive our quotes or other notifications via e-mail, please select Unsubscribe and enter your e-mail address.

Data protection

Security properties of our Website Companies forming part of the Marles Group are aware of the importance of security and have thus implemented various measures intended to improve the security of personal or confidential data received or sent by the aforementioned companies online. Whenever you submit or access personal or confidential data in one of the secure parts of the Website, a secure connection by means of Secure Socket Layer (SSL) technology is established. The SSL technology consequently establishes a private communication that can be understood solely by the communications system on your computer and the communications system of Abanka and its affiliated companies. The SSL technology encodes data sent online between the system on your computer and the system of Abanka and its affiliated companies, ensuring that the transferred data remain encrypted. The use of SSL requires two components: a browser with an enabled SSL option and a web server that carries out an exchange of keys, thus establishing a secure connection to Marles' online server systems.

SSL technology requirements
1. Appropriate browser. You require a browser with an enabled SSL option such as Firefox or Microsoft Internet Explorer from its Version 2.0 onwards. Be aware of the fact that SSL connections are not supported by some older browser versions. If you do not have a browser with an SSL connection enabled, an SSL browser can be downloaded online. In order to securely access your personal and confidential data online, you are advised to use the most recent versions of browsers available. 2. An appropriate internet service provider. Almost all internet service providers (ISP) automatically facilitate the aforementioned secure SSL connection. If you access the internet via your company's intranet and find that you cannot open secure websites of Abanka and its affiliated companies with your aforementioned SSL browser, this may be due to a "firewall" installed by your company that is blocking your access thereto. For any further enquiries regarding your internet access, you are advised to refer to your system administrator that is in charge of internet access in your company.

Username and password

Some parts of the Website are subject to the use of a username (your e-mail address) and password that constitute a security measure that contributes to the protection of confidential data. This is how Marles and its affiliated companies verify your identity and facilitate access to your data and (password-protected) parts of the Website and prevent unauthorised access thereto. You need to understand that browser software often "caches" a website you are browsing, meaning that some websites are saved in the RAM of your computer. This is why you may click "Next" and return to the saved version of the website you have been browsing before. Caching shall not in any way affect the security of your confidential username and password. If you access your data and (password-protected) parts of the Website on a public computer, please close your browser before leaving the computer in order to make it less likely for anyone else to access your confidential data and (password-protected) parts of the Website.

Connecting to other websites

You need to realise that any other websites you connect to via the website or e-mail of Abanka or its affiliated companies (Affiliates) may include data confidentiality provisions that differ from the provisions contained herein. In order to protect your privacy, you are advised to refer to Confidentiality Declarations on other websites that you visit.

User data privacy principles

We shall collect only required User data, and Users shall be informed of the way they are used. Data collection shall be limited to data required for customising the Website, performing services for (logged in) Users, providing new services and operating in compliance with legal requirements and regulations. Users shall also be informed of the general use of data collected about them and be provided with additional explanations upon request.

Users may select how their data are used

Registered Users of the Website may select the option "Refuse" when deciding whether their data may be used to draw up quotes. These marketing selections include quotes by companies forming part of the Marles Group and by our business partners. Nevertheless, Users may continue to receive universal quotes and notifications they have subscribed to.

Quality of data guaranteed

Companies forming part of the Marles Group use advanced technology, documented internal monitoring procedures and practices that guarantee fast, accurate and full processing of User data.

Efficient data security protection is in place

Access to systems containing registered User data shall be allowed only to those who explicitly require them to perform their registered User servicing tasks and duties. Protections in place are established in a way that they protect the security and confidentiality of registered User data.

Limited disclosure of registered User data

Personal (and other) registered User data shall only be disclosed with the consent of the User the data refer to or if laid down by the law.

Data privacy principles apply also to our business relationships

Our business partners are encouraged to make adequate arrangements for their customer data by adopting permanent and efficient data privacy policies and practices, including the option "Refuse" when it comes to quotes for customers. In addition, we also actively participate in business associations where we advocate the development of comprehensive data privacy policies and implementation strategies.

Personal database protection

Companies forming part of the Marles Group may process personal data of persons they are in a contractual relationship with if the personal data in question are required to meet contractual obligations or exercising rights arising from the contractual relationship or if the individual in question has consented to the processing of his/her personal data.

Protection of premises

Premises where personal data media, software and hardware are found are protected by organisational and/or technical measures that prevent personal data access to unauthorised individuals.

Communications networks

Personal data may be transferred by IT, telecommunications and other means only by observing procedures and measures that prevent unauthorised persons from appropriating or destroying personal data and from unjustified learning of their content.

External data users

Companies forming part of the Marles Group shall submit personal databases to external users only if these are authorised to use them by the law or on the basis of a request or consent of the individual they refer to in writing. External users shall use data thus obtained only for the purposes set out in the Personal Data Protection Act, and the data shall not be disclosed to any other user.

Companies forming part of the Marles Group may disclose personal data to a person who is not the user thereof under the Personal Data Protection Act only if this person intends to use them for statistical or scientific research in a form that does not facilitate identification of individual Users.

Deletion of personal data from the database

Personal data shall be saved and used only for the period of time required to achieve the purpose for which they had been processed.

After the purpose referred to in the preceding paragraph is achieved, they shall be deleted from the personal data database or blocked unless otherwise specified by the law for specific types of personal data.

Personal data shall be deleted from computer media in a way that prevents the restoration of the deleted data in part or in full.

Rights of the individual

Upon request of a registered User of the Website, the companies forming part of the Marles Group shall:
• make available the catalogue of data and of personal data included in the personal data database reffering to him/her and their copying;
• provide him/her with a print-out of personal data contained in the personal data database referring to him/her;
• submit a list of individuals to whom personal data contained in the personal data database referring to him/her have been disclosed;
• make available the resources that serve as the basis for records contained in the database about the individual and the data processing method.

Requests referred to in the preceding paragraph shall be made in writing to companies forming part of the Marles Group as the personal data database manager.

Companies forming part of the Marles Group