Hipotekarna Banka AD Podgorica is committed to preserving your right to privacy, recognizing it as a fundamental right of every individual. Therefore, we are publishing this Privacy Policy to define our commitment to protecting your privacy.
The Privacy Policy of Hipotekarna Banka AD Podgorica (hereinafter referred to as "Hipotekarna Banka") applies to our website at www.hb.co.me (hereinafter referred to as "website"), as well as outside these website/mobile applications, based on forms/questionnaires and for the purposes specified therein. It also governs the collection, use, and disclosure of your personal data, including the potential use of cookies.
By using the website/mobile application, you agree to the data collection and consent to the methods of data collection and usage as outlined in this Policy.
DATA COLLECTION
The data we collect is only what you provide. When you browse the website or use Hipotekarna Banka’s mobile applications without signing up for any of our services/products or without using communication channels to better understand your needs or requests (such as submitting complaints or grievances), you do so anonymously. In such cases, we do not collect personal data like your name, address, email address, or phone number. However, Hipotekarna Banka may collect non-personal information to improve and tailor our website to your needs. In this context, Hipotekarna Banka may collect information such as your computer’s IP address, browser type, access time and date, and other data typically gathered for statistical purposes related to website traffic. Hipotekarna Banka’s website utilizes Google Analytics for statistical purposes.
We process the collected data, as well as data obtained while providing services to clients and conducting business with individual clients, for the purpose for which it was provided, i.e., to facilitate the use of the website and deliver requested services. Hipotekarna Banka may also use cookies, but you can block their use at any time.
Hipotekarna Banka does not collect data related to racial or ethnic origin, religious or philosophical beliefs, or political opinions. We do not offer products or services to minors, but we may collect data about minors in accordance with the law or when it is in the best interest of the minor.
If we are unable to collect your personal data, or if the data you provide is inaccurate or incomplete, Hipotekarna Banka will not be able to offer or provide certain essential aspects or features of its banking products/services.
USE OF PERSONAL DATA
To enable Hipotekarna Banka to provide you with a specific product or service on the website/mobile application, we may ask you to voluntarily share your personal data, including your email address, phone number, or account number (if you are a user of payment cards issued by Hipotekarna Banka). This is for purposes such as written communication, website registration, participation in surveys, etc. The effective delivery of banking products/services may include sending offers for products/services.
Hipotekarna Banka may use your personal data, primarily your email address or phone number, to inform you about our products and services or to send offers that we deem relevant or of interest to our clients. At any time, you can request that such offers or notifications stop being sent.
Hipotekarna Banka may share your personal data with its business partners for specific purposes, such as statistical analysis, customer support, or delivery organization, with the obligation to maintain the confidentiality of this data. Third parties are strictly prohibited from using your data for any purpose other than providing services to Hipotekarna Banka.
RIGHT TO ACCESS AND DATA CORRECTION
Upon your request, we will inform you of the data we hold about you and provide it in accordance with applicable regulations. If any of the data we hold is incorrect or incomplete, please notify us promptly in writing at Hipotekarna banka AD, Josipa Broza Tita Street, No. 67, Podgorica, and we will correct any inaccurate or incomplete data.
DATA SECURITY
The security of your data is important to us. Therefore, Hipotekarna Banka implements technical, legal, and organizational measures to protect your data from unauthorized access, use, or disclosure.
CHANGES TO THE PRIVACY POLICY
Hipotekarna Banka may occasionally update the Privacy Policy to provide new information on how we protect your data. We recommend that you periodically review our website to stay informed about the privacy protections we offer.
CONTACT INFORMATION
If you have any questions, concerns, or suggestions, Hipotekarna Banka is available at any time via email at email adresa or by phone at 19905 (+382 202 19905).
