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Terms of Use

Before visiting or using the pages and the services of our internet site www.bank-invest-omb.gr, the visitor/user should read carefully the terms and conditions cited below (hereinafter “the terms and conditions”) governing the full contents (hereinafter “the contents”) and the use of and the supply of services through our internet site. Unless the visitor/user disagrees with the terms and conditions, in which case he/she shall not visit the pages of our internet site and/or use the services offered through it, the visitor/user shall be deemed to be aware of the terms and conditions and to consent to them.

The Hellenic Banking – Investment Ombudsman (hereinafter referred to as “H.O.B.I.S”) is entitled to modify the terms and conditions at any time he deems necessary, without prior notice. The visitor/user shall each time check the terms and conditions for modifications as above and, in the event that he/she disagrees, he/she shall cease to visit/use our internet site. Should the visitor/user continue to visit/use our internet site, he/she shall be deemed to acknowledge and agree to the terms and conditions, as currently applicable.

The visitor/user shall comply with the provisions of Greek, European and International law and shall refrain from any illegal use or abuse of the contents and the services of our internet site. Any damage caused to our internet site or generally to the internet by reason or as a result of the visitor/user’s misuse or abuse of the relevant services shall fall exclusively within his/her area of responsibility.

Intellectual property rights

The contents of our internet site, including, without limitation, texts, graphics, drawings, photographs, illustrations, pictures, services supplied and generally records of any nature, are protected by copyright and are, except for any expressly acknowledged third party rights, governed by national and international copyright law. Accordingly, the contents may not be reproduced, republished, copied, stored, sold, relayed, distributed, published, executed, downloaded, translated or modified in any manner whatsoever, in part or in summary form, without the prior express written consent of H.O.B.I.S.

Individual parts of the contents may exceptionally be stored or copied on a simple personal computer, on condition that the source of any individual parts of the contents stored or copied as above is cited at all times, where they are intended solely for personal use, any commercial or other use or exploitation being prohibited. This clause shall under no circumstances be construed as an assignment or transfer of H.O.B.I.S’s intellectual rights in any manner whatsoever.

Whatever else is contained in the electronic pages of our internet site and constitutes an established trademark or product protected by a third party’ s copyright, falls within the third party’s area of responsibility and is therefore not included in the scope of this agreement.

Limitation of liability

H.O.B.I.S. undertakes to exercise its best efforts to ensure, but makes no warranties and is therefore not liable for, accuracy and completeness of the information and the contents of the H.O.B.I.S. internet site. Under no circumstances, including negligence, shall any liability be created in H.O.B.I.S. for any damage caused to the visitor/user by reason or as a result of the use of our internet site.

H.O.B.I.S. under no circumstances guarantees an uninterrupted, error-free or virus-free supply or supply free of other features that are likely to cause damage to the visitor/user’ s computer system, of the contents and services via H.O.B.I.S.’ s internet site or via any other site server providing access to the contents of H.O.B.I.S.’ s internet site. It is the sole responsibility of the visitor/user to use anti-virus software and secure his/her information and IT system.

Accordingly, under no circumstances shall H.O.B.I.S. be liable for any direct or consequential damage, loss of profit, decision-making, performance or non-performance of any transaction that may arise from the use of H.O.B.I.S.’ s internet site.

H.O.B.I.S is not legally responsible for the contents and services of internet sites other than H.O.B.I.S.’ s which are accessible via H.O.B.I.S.’ s internet site through links or hyperlinks, and does not warranty the availability of the contents or services thereof. Any problem which may arise during the visitor/user’ s use of any other internet sites accessible via H.O.B.I.S’ s internet site, falls solely within their area of responsibility and shall be taken up with them. Access to other internet sites via H.O.B.I.S’ s internet site is provided for the convenience of the visitor/user of the H.O.B.I.S’s internet site only and creates no liability, obligation or commitment of any nature whatsoever in any of the parties involved.

H.O.B.I.S. bears no responsibility whatsoever for any loss of information sent through the H.O.B.I.S’ s site.


Personal data

The management and protection of personal data of H.O.B.I.S’ s internet site visitor/user shall be governed by the terms hereof and by the relevant provisions of law on the personal data protection.

Furthermore, as regards links to other internet sites, H.O.B.I.S is not legally responsible for the terms and conditions on which personal data are managed and protected by such other sites.

In order for H.O.B.I.S. to deal with and mediate so as to facilitate the out-of-court settlement of disputes submitted by the visitor/user via H.O.B.I.S.’ s internet site or answer to questions posed via H.O.B.I.S’ s internet site, H.O.B.I.S. keeps record of personal data and electronic address of the visitor/user.

Our internet site may use cookies to identify the visitor/user of certain services and web pages. Cookies are small text files that are stored in the hard disk of the visitor/user’ s computer and do not read any file whatsoever contained in his/her computer. They are used for statistical purposes, in order to distinguish the most useful and popular areas of H.O.B.I.S’ s internet site.

The IP address, through which the visitor/user’ s computer gains access to the internet and our internet site, is used solely to build up statistical data.

Under all circumstances, however, the visitor/user of H.O.B.I.S’ s internet site is entitled to obtain information, have access and challenge (correction included) any recorded personal data concerning him/her that are subject to processing as above, and any application to that effect should be made by letter addressed to Hellenic Ombudsman for Banking – Investment Services, Massalias 1, 106 80 Athens, tel. No. (+30)210 3376700.

Governing law and other provisions

This agreement is governed by the provisions of Greek and European law and relevant International law provisions, and shall be construed in accordance with the rules of good faith, equitable principles and the economic and social purpose of the right.

Should any of the terms hereof be declared contrary to the law and therefore void or voidable, it shall ipso jure cease to be effective, but the remaining terms hereof shall under no circumstances be affected and shall continue to remain in full force and effect.

No amendment to any of the terms hereof shall be valid or constitute a part hereof unless it is formulated in writing and incorporated into this agreement.

Any dispute arising hereunder shall be subject to the competent jurisdiction of the Athens courts.