Patria Credit Terms and Conditions of Use

The website www.patriacredit.ro belongs to PATRIA CREDIT Instituție Financiară Nebancară S.A. with registered office in Șos. Pipera, nr. 42, et. 7, Bucharest, sector 2, Romania, CP 077190, with unique registration code RO 16129932, fiscal attribute R, order number at the Trade Register J23/1827/2014.

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Using the site

The patriacredit.ro website can be used to obtain information and access to the services offered through it. Any use for purposes other than those mentioned is not permitted. In order to be able to access the information or services presented on the site you must obtain access to the World Wide Web. Patria Credit Instituție Financiară Nebancară SA does not assume responsibility for the security of the internet browser used to access the patriacredit.ro website or your communication line with it. Visitors and users of the site are also requested to ensure that they are legally authorised to connect to this site in the country from which the connection is established.

The term "visitor" to the site means any natural or legal person accessing the site. The term "user" of the site" means any "visitor" who registers as a "user" by completing a "registration form.

Copyright and intellectual property

Patria Credit Instituție Financiară Nebancară SA gives you free access to the site and authorises you to view, print and transmit information on the site only în the purposes expressly provided în the site. The copyright for the information on this website is held by Patria Credit Instituție Financiară Nebancară SA or its affiliates/partners. No material on this site may be reproduced in part, in whole or modified without the express written permission of Patria Credit Instituție Financiară Nebancară SA.

The content of this site, text, graphics, photographs, software, logos and any other materials on this site are protected by copyright law and are the property of Patria Credit Instituție Financiară Nebancară SA or its affiliates/partners.

It is forbidden to create links to this site from other sites or vice versa without prior written consent from Patria Credit Instituție Financiară Nebancară SA. In cases where this is done without the written consent of Patria Credit Instituție Financiară Nebancară SA, it does not assume responsibility for unaffiliated sites to which the site may be linked, for material posted on this site by persons other than Patria Credit Instituție Financiară Nebancară SA;t those authorized by Patria Credit Instituție Financiară Nebancară SA and reserves the right to request sanctions according to the legislation in force for any action of this type. Patria Credit Instituție Financiară Nebancară SA or third parties may provide authorized links (“links”-uri) to other World Wide Web pages or resources through the site. Patria Credit Instituție Financiară Nebancară SA does not guarantee, is not and cannot be responsible in any way for the availability, form, content, advertising, products or other materials available on those sites. Patria Credit Instituție Financiară Nebancară SA shall not be responsible or liable to pay compensation, directly or indirectly, for any damage or loss caused or alleged to have been caused by and/or in connection with the use of or reliance on the information, content, goods or services made available on such sites. The reproduction, copying, multiplication, sale, resale or exploitation of a part of the services, access or use of services or information made available by Patria Credit Instituție Financiară Nebancară SA through the site îin a way that contravenes Romanian or international legislation îin matters of copyright and intellectual property, involves civil or criminal liability for such actions.

The user is the only person responsible for any damage caused to the computer systems or network from which he/she accesses the site or any other loss of data, which may result from downloading information and services from the site content. No recommendation or other oral or written information obtained from the site or through the site services shall constitute a warranty unless expressly stated in the terms and conditions of use.

Patria Credit Instituție Financiară Nebancară SA reserves the right to prevent by any means and to request the sanctioning according to the legislation in force of the persons involved in the destruction or alteration of the site, its content or security or in the attempt to attack or discredit Patria Credit Instituție Financiară Nebancară SA, its partners, products, services and their employees. Any possible dispute in connection with this site is under the jurisdiction of the common law courts of Romania.

Rules of use of the Patria Credit Instituție Financiară Nebancară SA website

It is forbidden:

  • copying, multiplying, distributing, archiving or storing, by any means, including electronic, magnetic or computerised means, the materials and information on this site, except for those provided by Patria Credit Instituție Financiară Nebancară SA and duly marked for this purpose
  • îattempting to intervene, by any means, îin the content of this site, deleting or modifying by any means the materials and information published, or îattempting to act îto this end
  • îattempting to scan, probe or test the vulnerability of any system in the Patria Credit Instituție Financiară Nebancară SA network or accessing any servers or services in the Patria Credit Instituție Financiară Nebancară SA network that are not public, without explicit written authorisation from Patria Credit Instituție Financiară Nebancară SA
  • în attempting to interfere îin the operation of the hosting servers or îin the Patria Credit Instituție Financiară Nebancară SA network by any means, including attacking them by “flooding” or “DOS”
  • using any e-mail addresses published through the site for distribution to mailing lists or for sending commercial e-mails (“spamming”) or for any other purpose îapart from sending justified personal e-mails, without the written consent of the owners of these addresses

&If any of these rules are breached, civil or criminal liability may ensue. Patria Credit Instituție Financiară Nebancară SA will investigate facts involving such breaches, cooperating with the authorities to prevent or deter such breaches.

Service availability

Patria Credit Instituție Financiară Nebancară SA reserves the right to modify or discontinue, temporarily or permanently, in whole or in part, the services made available to visitors and users through this website, with or without prior notice. Patria Credit Instituție Financiară Nebancară SA shall not be liable to users, any third party natural or legal person or institution for the modification, suspension or discontinuation of the services available through the site. Patria Credit Instituție Financiară Nebancară SA may change the content and conditions of use of the website at any time. The new conditions become valid în the moment în they have been made public by publication în this site and have no retroactive character.

The products and services described în this site are valid only for Patria Credit Instituție Financiară Nebancară SA and are exclusive property. Patria Credit Instituție Financiară Nebancară SA makes every effort to present as clearly and concisely as possible all information published on this website. However, Patria Credit Instituție Financiară Nebancară SA is not and shall not be held legally responsible under any circumstances for any inadvertence or misrepresentation of the information presented on this website.

Any person wishing to purchase one of the services or products presented on this website is requested to contact any of the Patria Credit Instituție Financiară Nebancară SA agencies to obtain information on the availability of the service or product in question and on the contractual conditions, fees, tariffs and related commissions.

Patria Credit Instituție Financiară Nebancară SA cannot be held liable for any damage caused to the user of the site. Furthermore, this site is offered îin its present form, without any other guarantees.

No information on this site shall be considered as an offer of products or services. This site may not be used as a source of recommendations on any field of activity and the information contained herein is not intended for analysis. Patria Credit Instituție Financiară Nebancară SA shall not be liable for any direct, indirect, incidental, special damages, including, but not limited to, damages for loss of profits, resulting from the impossibility of use, data or other intangible or immeasurable losses (even if Patria Credit Instituție Financiară Nebancară SA has been previously informed of the possibility of such losses), resulting from:

  • use or inability to use the information on the site
  • the cost of procuring complementary goods or services resulting from any goods, data, information or services purchased or obtained, messages received, transactions initiated through/on the site
  • unauthorized access to or damage to user transmissions or data
  • declarations or actions of any third party on the services of the site
  • any other issue related to the site services. If it is considered that any material made available on the site, posted on the site by third parties or users, în infringes copyright or any other rights, it is necessary to report this situation to the headquarters of Patria Credit Instituție Financiară Nebancară SA or to the e-mail address office@patriacredit.ro 

By agreeing to use this site, you expressly and implicitly declare that you în understand that you agree to the following:

  • use of the site is at your own risk
  • Patria Credit Instituție Nebancară SA does not offer any guarantee regarding:
    • that the information will meet all your requirements
    • services will operate uninterrupted, timely, secure or error-free
    • the results that may be obtained from the use of the site information will be accurate or reliable
    • the quality of any products, services, information or other materials purchased or obtained by you through the site will meet all requirements
    • any program errors will be corrected

Privacy and personal information

Patria Credit Instituție Financiară Nebancară SA attaches great importance to the personal data provided by any user of the website and services of the institution în general, respecting the requirements of Law No. 190/2018 for the protection of individuals with regard to the processing of personal data and the free movement of such data, and of Law No. 506/2004 on the processing of personal data and the protection of privacy în electronic communications sector, as amended and supplemented by Law 235/2015.

The purposes of data collection are marketing, advertising and publicity, statistics and electronic communications services. Refusal to provide your data prohibits you from participating in competitions or accessing some of the services of the Company's websites. Patria Credit Instituție Financiară Nebancară SA, through the website www.patriacredit.ro , processes the telephone number and e-mail address of users. E-mail addresses and telephone numbers will be stored in computer databases. According to Law no. 190/2018, you have the right of access, the right to intervene on data, the right not to be subject to an individual decision and the right to appeal to justice. At the same time, you have the right to object to the processing of personal data concerning you and to request the deletion of data. To exercise these rights, you may send an e-mail to office@patriacredit.ro or a written request, dated and signed, to the offices of Patria Credit Instituție Financiară Nebancară SA. You also have the right to take legal action. Your data will not be transferred abroad. If any of your data is incorrect, please inform us as soon as possible. Patria Credit Instituție Financiară Nebancară SA undertakes not to make public the e-mail address of users and not to disclose it to a third party, unless it is among the expressly agreed partners, unless this is necessary to comply with the law and/or legal proceedings. Although Patria Credit Instituție Financiară Nebancară SA takes all precautionary measures, it is not responsible for attacks aimed at theft or vandalism that could lead to the disclosure or compromise of data.

Patria Credit Instituție Financiară Nebancară SA assumes no responsibility for situations where the user publishes his/her address or any other personal data, on his/her own initiative, in a public message, on any of the pages of the site.

By filling in the contact forms, the user or/and, if applicable, the visitor, îand give express and unequivocal consent îto your personal data being stored and processed by Patria Credit Instituție Financiară Nebancară SA and Patria Credit Instituție Financiară Nebancară SA will keep this information confidential, except for information required by the competent legal authorities.
Any communications or materials you transmit to the Patria Credit Instituție Financiară Nebancară SA website, such as questions, comments, suggestions or other such messages will be considered non-confidential and not protected by intellectual property rights.

By using this website you expressly agree that, by filling in your personal data on the website Patria Credit Instituție Financiară Nebancară SA, they will be stored and processed by Patria Credit Instituție Financiară Nebancară SA in compliance with the provisions of Law no. 190/2018 for the protection of individuals with regard to the processing of personal data and the free movement of such data.

Patria Credit is înregistered under no. 5655 în the ANSPDCP Register of personal data processing and, in accordance with the requirements of Law no. 190/2018 for the protection of individuals with regard to the processing of personal data and the free movement of such data, as subsequently amended and supplemented, is obliged to process personal data îunder conditions of confidentiality, security and only îfor the purposes provided for by law and notified to the National Supervisory Authority for Personal Data Processing.

According to Law no. 190/2018, individuals have the right of access to data, the right to intervene on data, the right to object, the right not to be subject to an individual decision and the right to appeal to the courts. They also have the right to object to the processing of personal data concerning them and to request the erasure of the data, except in situations provided for by law when the processing of data by Patria Credit Instituție Financiară Nebancară SA is mandatory.

Personal data of natural persons may be disclosed by Patria Credit Instituție Financiară Nebancară SA directly or through third party contractors în purpose înde cumplimiento by Patria Credit Instituție Financiară Nebancară SA of legal obligations and the realization of its legitimate interests, as well as în purpose înder the performance/initiation of legal relations.

In the future, the personal data provided will enable us to keep you informed about our activity by sending you information about our products and offers and în order to carry out campaigns aimed at în ongoing improvement of banking activities/services.