Terms of Use of the Zagrebačka banka d.d. Website

Terms and definitions

Terms contained in these Terms of Use of Zagrebačka banka d.d. Website (hereinafter: Terms) have the following meaning:

The Bank means Zagrebačka banka d.d., with its registered office in Zagreb, Trg bana Josipa Jelačića 10, PIN (OIB) 92963223473, entered into the court register of the Commercial Court in Zagreb under no. (MBS) 080000014, email: zaba@unicreditgroup.zaba.hr; the Croatian National Bank with its registered office in Zagreb, Trg hrvatskih velikana 3 is responsible for the supervision of the Bank;

The Bank Website or the Website means the website www.zaba.hr.

Website Content means all data, services, applications, links or other content published on or available via the Website;

The User means every person accessing the Website and/or using any Website Content.

Scope of application

These Terms regulate the terms of use of the Website and the relationship between the Bank and the User in relation to the Website use.

By accessing the Website or using any Website Content, the User confirms that he is familiar with these Terms and agrees to their application.

The use of particular Website Content can be regulated by special conditions, which shall take precedence over the provisions of these Terms in case of disagreement.

Content and website use

Access to the Website and use of particular Website Content can be conditioned by the use of computer or mobile equipment which meets technical requirements set by the Bank. At any time, the Bank is authorised to change the required or recommended technical configuration of computer or mobile equipment which is required or recommended for accessing the Website and/or the use of particular Website Content.

At its own discretion and without prior notice, the Bank is authorised to change the Website Content at any time, or temporarily or permanently disable access to the Website or the use of any Website Content.

The data contained on the Bank's Website are published for informational purposes only and the Bank makes its best efforts to ensure their accuracy. The published data referring to the Bank and services provided by the Bank are considered to be accurate and complete at the time of their publishing, with no guarantees of their accuracy and integrity at the time of their use. In terms of the published data relating to third parties and their services, the Bank only guarantees that the published data are in accordance with the data delivered to the Bank for the purposes of their publishing by the party to whom the data refer and to whom they belong, i.e. that they are in accordance with the data available from publicly available sources, but not that the published data are accurate and complete. The Bank does not guarantee that the published data and opinions are appropriate for a certain purpose. The published data cannot be considered a basis for making significant personal, financial or business decisions, and the User agrees that the Bank shall not be held accountable for not meeting his expectations in this regard. Before making a decision on arrangement or use of certain services, the User should consult a Bank employee or a relevant expert who will be able to give advice tailored to his specific situation and needs.

The data published on the Website cannot be considered an offer or invitation to make an offer, or advice or recommendation by the Bank, unless this is specifically indicated for specific data.

When using the Website, the User can access particular services and/or information about particular services provided by other persons, including the members of the Group of Zagrebačka banka d.d. and/or the group of credit institutions to which the Bank belongs. The Bank is not responsible for the use and terms of use of services provided by other persons.

Services which are available from the Website can only be used based on an agreement and pursuant to an agreement on service provision which the User previously concluded with the Bank, i.e. in case of services provided by other persons, based on an agreement and pursuant to an agreement which the User concluded with the person providing said service.


The Website may contain links to websites managed by other persons, including the members of the Group of Zagrebačka banka d.d. and/or the group of credit institutions to which the Bank belongs (hereinafter: Third Party Websites). Third Party Websites are not supervised by the Bank and the Bank assumes no liability for any of the following:

  • availability and the terms of use of Third Party Websites,
  • content published on Third Party Websites and services which can be used via Third Party Websites,
  • transfer and security of data exchanged using Third Party Websites,
  • protection and use of personal information which the User has given via Third Party Websites,
  • that by using Third Party Websites the User is not infringing the copyright of any person.

Intellectual property

The content (texts, graphics, photos, video material, trademarks and other types of content), design and other elements of the Website are property of the Bank, and are protected by regulations of intellectual property rights. Notwithstanding the foregoing, particular Website Content referring to other persons, such as names and trademarks of other persons or their products or services, can be owned by those persons.

Except when the Bank is expressly designated as their owner, applications and other software which can be installed from the Website or via links to Third Party Websites are owned by third parties and their installation and use are subject to a separate agreement which the User concludes with their owner. The Bank does not offer any guarantees, either expressly or implicitly, and assumes no liability for applications and other software owned by third parties and shall not be held responsible for the terms of installation and use of applications and other software available from Third Party Websites.

The data published on this Website can only be used for personal, non-commercial purposes and the User can store them to his personal computer or mobile device exclusively for those purposes. Storing data, either partially or completely, to any data storage device, as well as their copying, publishing or using for commercial purposes, is allowed only with prior written consent of the Bank.


The Bank can enable the User to communicate with the Bank using chat, email or other types of telecommunication. Said types of communication can be used exclusively for the purposes allowed and defined by the Bank, such as, for example, inquiries related to the Bank and certain services offered by the Bank, filing a suggestion or a compliment, or giving an opinion on Bank services and, when referring to email communication, filing written complaints.

The Bank shall not act upon orders and other instructions that were received via chat, email or other types of telecommunication which do not allow the Bank to establish the identity of the customer with certainty, nor will it use those communication channels to give information that is legally considered to be a bank and/or trade secret.

Telecommunication is carried out via public telecommunication networks which do not guarantee confidentiality of data transfer, therefore the User cannot use these means of communication to provide confidential data such as his PIN, token serial number, or the number, expiry date and security code of the payment card he uses.

Telecommunication cannot be used or misused for the exchange of messages, pictures, video or audio material whose content is prohibited, immoral, abusive, threatening or political, or which infringe copyright, contain viruses or other malware or can in any way negatively affect the operating systems of the Bank or other persons.

If the User violates any of the obligations from the preceding paragraph of the Terms, the Bank is authorised to terminate the established telecommunication connection with the User without prior notice.

The User is familiar with the above and agrees that the Bank can record, store or use the exchanged messages, videos, audio or other material for the purposes of managing service quality, resolving user complaints and resolving disputes between the Bank and the User.
Messages which the Bank exchanges with the User via email, chat or other types of telecommunication are confidential and intended only for the User to whom they are delivered, and the User agrees that he will not disclose or provide them to third parties or the public without prior written consent of the Bank.

Processing and protection of personal information

The conditions under which the Bank collects and processes personal information of the User when he accesses the Website or uses particular Website Content, including the use of cookies, have been defined by the Statement of Privacy on the Zagrebačka banka Website.


The Bank is not responsible for the inability or limited ability to access the Website or use any Website Content which is caused by force majeure, including war, riots, terrorist acts, acts of God, epidemics, strikes, power outages, interference in telecommunication and other traffic, errors occurring in data transmission via telecommunication networks, decisions and actions of the authorities, as well as all other similar circumstances whose occurrence cannot be attributed to the Bank, i.e. that are beyond the control of the Bank.

The Bank does not guarantee that the Website Content is appropriate or available in all locations, and is therefore not responsible for the inability to access the Website or for the inability to use the Website Content from territories of countries where they are prohibited by law. The User bears full responsibility if he accesses the Website and/or uses the Website Content in countries where this is forbidden.

The Bank does not guarantee that the Website or Third Party Websites do not contain viruses or other malware.

The responsibility of the Bank for the damage resulting from ordinary negligence of the Bank, its employees or third parties hired by the Bank to perform its duties is excluded.

In the case where it is responsible for the damage, the Bank is only responsible for actual damage. The Bank's responsibility for loss of profit, non-pecuniary damage, loss, destruction or alteration of User's data, as well as for the damage caused to the computer or mobile equipment used by the User to access the Website or use specific Website Content is excluded up to the legally allowed limitations of liability for the damage.

Questions and answers

Questions related to these Terms as well as complaints regarding the Bank Website and its content can be filed to the Bank in the manner and under conditions defined by the Complaint Management Policy of Zagrebačka banka d.d., which is available on the Bank Website and in its branches.

Final provisions

The Bank is authorised to modify, amend or replace these Terms with new ones at any time and without prior notice. All amendments to these Terms will be published on the Bank Website and the User accepts them by accessing the Website or by using the Website Content after the publication of the amendments. The User knows that when accessing the Website or using the Website Content he is requested to check the current Terms of Use of the Website.

The invalidity or unenforceability of any provision of these Terms shall not affect the validity and enforceability of the remaining provisions and the Terms.

Interpretation, application and legal effects of all permissions, exclusions and conditions of use of the Website shall be governed by Croatian substantive law.

All disputes arising from the application of these Terms, the use of the Website or any Website Content shall be exclusively resolved by the competent courts of the Republic of Croatia.

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