Terms and Conditions
The use of this website shall be governed by the Rules and Conditions set by TBC Bank JSC (identification number: 204854595, address: #7 K. Marjanishvili str. Tbilisi). The terms "Bank" and "We" imply TBC Bank JSC (also its group member companies, subsidiaries, affiliated companies). The terms "You" and "Customer" mean an individual, organization using the Bank's website: www.tbcbank.ge.
We request that you read these Rules and Conditions carefully, which will regulate the usage of the website by you. If you do not agree with this Rules and Conditions, please, leave the Bank's website. By visiting the website or using the information published thereon, you confirm and fully agree with all the specified covenants, subject to unilateral change by the TBC Bank JSC at regular intervals, which will be depicted on this website and your visit thereto means your approval of relevant conditions.
The information published on the Bank's website is mostly intended for those interested in receiving the Georgian financial market services. The information published on the website may not be available in all geographical areas of the world if so decided by the Bank.
For analyzing the information published on the Bank's website, you may need to consult with an expert in a relevant field.
Particular products/services specified on the Bank's website shall be governed by specific bank service agreements.
Accuracy of Information
The Bank shall not be responsible for the accuracy of the information published on the website despite our efforts to supply you with truthful information. This representation is not a confirmation or an assurance that the information published on the website is accurate, truthful and adequate for any type of application. Any information published on the Bank's website is specified as on an "As Is" basis. Therefore, the use of any information published on the website is totally related to the User's personal risk and the bank is not responsible for the damage caused by the use of the information published on the website. This agreement does not apply to the constituent parts of the agreement published on the Bank's website. The information published on the website shall not be deemed a promise for a service/product or any ground for restricting the Bank by any type of contractual relations.
Limitation of Responsibility
The Bank and its relevant staff shall not be held responsible for the actual effect, covering direct, indirect, special, accidental, cause-effect, non-contractual damage, caused by the use of the information published on the website.
The Bank shall not be held responsible for any damage or loss caused by the use of the website, even in case of technical delay, defect, cancellation/suspension of operation, or system disruption.
Availability of the content published on the website may depend on the functions and restrictions of the search system. The Bank shall not be held responsible if certain components of the website are not available to you.
Use of the Website
The information published on the website is intended only for personal use by the users. You undertake not to disseminate, transfer or make a copy/reproduce (including in social media) the website structure, image, and design for commercial purposes, without obtaining a prior written approval of the Bank, which is our sole discretion. You are not liable to seek for the bank's prior written approval, if the use of the information/content published on the website is permitted by the Bank's prior consent, or the information is used for personal use for educational or informative purposes.
Unauthorized use of the website and the system (including under unknown name and code) is strictly prohibited. Where the registration and the password are required, you are committed to non-disclosure thereof and shall not allow for a third party access to the website except yourself.
Any particular page of the website may contain an agreement different from these Rules and Conditions, including in case of collision, these Covenants shall prevail.
When using the Bank's website (including its forums), you are prohibited to commit illegal/fraud action, talk with slander and detest, or publish, disseminate/transmit any other undesired information, which may violate the effective legislation and regulations or damage the Bank's business reputation. Apart from this, you are also prohibited to damage the website by any harmful programme („Trojan Horses," „Logic Bomb" or by any other similar actions). It is your sole risk if any programme module (telephone, computer, etc.) used for visiting the website is not streamlined.
The Bank shall not be held responsible for relevant consequences if access to the website becomes impossible due to the Bank's technical delay, or due to any other reason beyond the Bank's control.
Intellectual Property
TBC Bank's copyright fully covers the website, its content, structure, and design. Exclusive rights of TBC Bank JSC also apply to any object of copyright created and registered by the Bank, including its own trademarks.
The bank's copyright (©) and other intellectual property rights apply to this website and the whole content published thereon (including products and services).
Unauthorized use, processing and publishing (including, in social media) of any information/content, including logo, pictogram, graph, photo, image, patent, service marks/trademarks, design, visual media created by the Bank and other intellectual property (whether registered or not) is prohibited without a prior written approval of the Bank. You are not required to seek for the Bank's prior approval, if these data are used for non-commercial, personal purposes and if the law of Georgia or a relevant international regulatory document does not provide for a preliminary approval.
Displaying (indicating) the intellectual property on the website does not mean a permit granted to users for the use thereof. User's downloading from the website or making a copy of any information for commercial purposes shall be deemed the breach of the Georgian Law.
None of the Covenants included in the Rules and Conditions authorizes you or gives you a permit to use the Bank's intellectual property listed in this provision.
If any of the Bank's websites gives the users the opportunity to have a chat, interaction, or dialogue/discussion, you shall be liable to deliver in the mentioned channels only the information with respect to which you have the intellectual property right, or have obtained an approval of a relevant person. In addition, you authorize the Bank to process (including, to publish) the information published by you for legal, communication/informative (including, for the participation in exhibitions, contests) purposes. The Bank's group member companies may use the Bank's trademarks, name, and logotype, representing the Bank's ownership. The blue color is a part of the trademark owned by the Bank, which is registered according to the established rule.
Names, trademarks, and logos of the companies published on the Bank's website belong to relevant entities.
Protection of Confidentiality
TBC Bank JSC shall ensure maximum protection of confidential information delivered to it in compliance with the procedure prescribed by the law. The Bank requests customers' personal information as necessary and in the amount necessary for providing efficient service in compliance with the law of Georgia. Customers can request information on processing their personal data at any time. The Bank will only disclose confidential information upon your consent or as prescribed by the law. Whereas the Bank uses its best efforts to protect your privacy and confidentiality of your personal information, given that your data are not encrypted during the remote transfer, the Bank shall not be held accountable for a third party's unauthorized access to your data when it is being transferred to the Bank. Whereas the Bank uses its best efforts to protect your privacy and confidentiality of your personal information, it shall not be held accountable for a third party's unauthorized access to the information when it is being transferred to the Bank (including via online platforms used for remote transfer).
When sharing confidential information with the Bank, the customer shall not use any automatic functions that may compromise the Bank's security and safety. Your digital footprint generated by your website visits can be used for the Bank's technical operations, for statistical purposes or for the improvement of the quality of the website. If you send your personal information to the Bank's email address to support its efficient administrative performance, the Bank shall not be held responsible for unlawful acquisition of the information by a third party through an unauthorized intervention in the process of information transfer. Neither shall the Bank be responsible for the disclosure of information which a customer has made public or spread through a less secure electronic communication medium. By agreeing to these Rules and Conditions, the Customer acknowledges the Bank’s right under the agreement signed with him/her to send the Customer information (including electronically via SMS, email) about products and services published on its website.
Links Published on the Website
To furnish you with more information, the Bank is authorized to publish on its website hyperlinks leading to third parties' websites. The links operated by third parties and the information published thereon are not subject to the Bank's control and the Bank shall not be held responsible for the accuracy of their content and product information. Therefore, becoming acquainted with the rules and conditions published on third parties' websites shall be deemed your responsibility.
Amendments
The Bank is authorized to make amendments to the present Rules and Conditions without giving prior notice to customers. Customers are obliged to consult the Rules and Conditions regularly. Your visit to the website and/or use of the information provided automatically indicates your consent to these Rules and Conditions.
Regulations and Laws
The present Rules and Conditions are subject to the Law of Georgia.
In case of disputes, a case will be considered by common courts of Georgia in compliance with the procedure prescribed by the law. The voidance of any provision hereunder shall not result in the voidance of other rules and conditions.
Contact Information
Should you have any questions regarding the Rules and Conditions and the information published on the website, please sent us a letter at #7 Marjanishvili street, Tbilisi or mail us at: info@tbcbank.com.ge.
Confidentiality Policy
How your personal information is processed and used by TBC Bank JSC
Who we are
TBC Bank JSC is a commercial bank licensed under the legislation of Georgia.
Identification number: 204854595
Legal address: #7 Marjanishvili str. Chughureti district, Tbilisi, Georgia
Your Information Safety in Mobile Banking
Third parties (applications/services): information about the device number, model, brand, name, operational system version, TBC application version are transferred to such applications, as: Google analytics, Xtremepush.com and Smartlook Mobile App Analytics via TBC mobile banking. These applications comply with GDPR (General Data Protection Guide). Maintenance/deletion policy: you can request the deletion of your data by sending a relevant request via mobile banking notification. After receiving a relevant request, TBC Bank will remove your data from the list to stop its processing.
How we use your personal information
This notice refers to the security tools available at TBC Bank (hereinafter referred to as the Bank) against unsanctioned access to personal information by which the Bank protects your personal data. It covers the data which the Bank obtains when having you as a customer, which is also used for direct marketing purposes in line with the legislation of Georgia. The notice explains the principles we follow while processing your personal data and how the law protects you.
Privacy promise
We, the TBC Bank group, promise: to keep your data safe and private; not to use your data unlawfully; to provide you with complete and exhaustive information with respect to the processing of your personal information at any time.
How the law protects you
As well as our Privacy Promise, your privacy is protected by the Law of Georgia on the Protection of Personal Data. Pursuant to the law, you are authorized to request of us the information with regard to the use of your personal data. You can receive the following information:
· Which data are being processed with regard to you;
· What is the purpose of data processing;
· Legal basis for the data processing;
· How the data were obtained;
· Who the data was transferred to;
· Data issuance ground and purpose.
You can request a copy of the information processed by us.
Under the law, you are authorized to require adjustment, update, addition, blockage, deletion or destruction of your personal data if they appear to be incomplete, incorrect, out-of-date or if the process of information gathering and processing is carried out illegally. We observe the requirements of the Georgian legislation, which may prevent us from an immediate deletion of your personal data. Such obligations may be stemming from the laws on anti-money laundering, tax, activities of commercial banks and consumer rights protection.
The Bank shall be obliged to supply this information if requested by you. We are authorized to use the personal data only in case specific contractual and/or relevant legal basis exist.
The Bank has a legal basis for using your data, which implies the existence of business-related and/or commercial purpose. It is important that the information processing by the Bank does not aim at harming your interests either in this case. Find below the list of goals and legal basis against which we process your personal data. We are presenting the goals of using your data and our legal basis in each particular case:
What do we use your personal information for:
· To manage our relations with you;
· To meet your needs, develop new ways of cooperation and grow our business;
· To develop and carry out marketing activities;·To study how our customers use our products and services;
· To receive advice or guidance about our products and services; ·To develop/manage our brands, products and services;
· To deliver our products and services;
· To make and manage Clients’ payments;
· To manage fees and interest due on client’s accounts;
· To manage and deliver the Treasury and investment products;
· To detect, investigate, report and prevent financial crime;
· To manage the risks of ours and those of our clients;
· To fulfill relevant laws and regulations;
· To respond to claims and find the ways of resolution;
· To efficiently and properly run the business, covering the management of our financial position, business opportunities, planning, communications, corporate governance and audit management;
· To execute contractual rights and obligations.
Our Goal:
· To update data, to identify the products and services interesting for you and to supply you with relevant information;
· To develop products and services;
· To define the focus client groups for the purpose of offering new products and services;
· To efficiently fulfill legal obligations;
· To efficiently execute our legal and contractual obligations;
· To ensure compliance with relevant regulations;
· To develop and improve our action strategies against financial crime; also, to fulfill our legal duties in this regard;
· To ensure compliance with relevant regulations;
· To efficiently execute our legal and contractual obligations;
· To meet contractual obligations.
Our legal basis:
· Your consent;
· Fulfillment of contractual obligations;
· Our legitimate interests;
· Our legal obligation;
· Your consent;
· Fulfillment of contractual obligations;
· Our legitimate interests;
· Our legal obligation;
· Our legitimate interests;
Personal Information Groups
We use various types of personal information and classify them as follows:
Personal Information Groups/Description
Financial / your financial position, status and history Contact details/residential address and contact details Socio-Demographic/details on your job or profession; also, information on your nationality, education, social or income grouping Transactional /details on payments to and from your account
Contractual/ details on products and services provided to you by us Locational/ details on your location which the Bank may obtain from your mobile phone, the address where you connect your computer to the internet, or a shop where you buy something with your card
Behaviourial/details on how you use our products and services Technical/details on the devices and technology your use Communications/details which the Bank obtains about you from letters, e-mails and conversations between the client and the Bank via any means of communication
Social relations/your family members Documentary data/details about you recorded in various types of documents and the copies thereof. To such documents belong: passport, ID card, birth certificate, driving license and other identification documents. Special types of data/the Privacy Law of Georgia and other regulations treat some types of personal data as special. The latter can only be processed only under your written consent or in case it serves the purpose strictly defined by the law. To such data belong: Information on racial or ethnic origin; political beliefs; religious or philosophical beliefs; Trade Union membership; genetic and bio-metric data; health data including gender; information on conviction, administrative detention, preventive measure, plea-bargaining, diversion, recognition as aggrieved or victim of crime.
Sources from which we obtain personal information
We can collect personal information about you from the sources provided by you and listed below:
You provide us with the data in the following cases:
· When you apply for our products and services;
· During a telephone conversation or your visit at the Branch;
· When you use our websites, mobile device apps and web chat;
· When you send letters by mail or e-mail;
· When you carry out banking transactions.
Cookies
We employ Cookies and monitor our visitor behavior on our website to ensure that we provide the best practice to our users while they visit our website and are able to continuously improve the quality of our service.
We are gathering information on cookies, visitor navigation and behavior on our website, in particular:
· IP address, type of device, operating system and browser, through which the website is visited;
· Pages opened via our website, session duration and other parameters;
· Information on the actions taken on our website: filling out forms, using interactive elements of the website, etc.
· Process, time and manner of filling out the website fields
We use the obtained information for the following purposes:
· To create and maintain the website statistics for the optimization of processes, fields and website design;
· To protect the website visitors and prevent fraudulent actions;
· To detect and prevent money-laundering, terrorism financing and other criminal activities;
· To assess the control of website visitor flow and marketing campaign;
· Obtained information helps us tailor the website and its components to the needs of the users;
· To establish how our users visit our website and to draw up the Google Analytics reports.
Before you start the use of our website, you can accept cookies and have your user behavior monitored by clicking the button “approval”. If you do not agree with the „Cookie Policy”, though you continue to use our website, this action shall still be considered your approval of the mentioned action.
We are not using the cookie files and the data obtained as a result of monitoring the user behavior for the purpose of gathering the personal information. If you wish to restrict the cookie or block them on our website, you can do it by changing your browser parameters. Besides, please, take it into consideration that some of the services offered by us will not be available if you block or delete the cookie files.
Information from third parties
We are authorized to request and obtain information from third parties as well, e.g. from our group member companies or CreditInfo Bureau, both positive as well as negative information stored in their electronic databases, also from that of LEPL State Service Development Agency. This is carried out pursuant to the Privacy Law of Georgia, based on your prior approval, if necessary.
Who we share your personal information with
We may have to share your personal data in the cases defined by the law of Georgia or with other companies, which are supposed to provide you with the product or service chosen by you, e.g.
· If you have a debit, credit or charge card with us, we will share transaction details with companies which help us provide this service (such as Visa and Mastercard);
· If you apply for insurance through us, we may pass your personal or business details to the insurance company, and onto any reinsurers;
· If you make an insurance claim, the information supplied by you to us or the insurer may be put on a register of claims. This information will be shared with other insurers.
· If you have a secured loan or mortgage with us, we may share the information with other creditors who also are the mortgage-holders.
· We may also share your personal information if the structure of the Bank changes in the future:
· We may choose to sell, transfer, or merge parts of our business, or assets.
· If any of the above discussed processes occur, we may share your data with other parties. However, before sharing such information, the mentioned parties shall mandatorily agree to keep your data safe and confidential.
· If our group structure changes, other parties may use your data in the manner and within the frames as specified in this document and regulated by the Law.
How we use your information to make automated decisions
For making automated decisions, we sometimes use the personal data we have, or are allowed to collect from other entities based on the legislation or under the contract signed with you. This helps us ensure that our decisions are quick, fair and efficient. These automated decisions can affect the quality of products and services offered by us now or to be offered in the future.
Here are the types of automated decision we make:
Pricing We may decide on the price of some products and services based on the information available to us.
Tailoring products and services to customers’ needs
We segment our customers into groups called “segments”, which we use to study your needs. Based on the obtained information, we try to make decisions acceptable and favourable for you. The process helps us create relevant products and services for different segments of customers and regulate relations with them.
Detection of fraud
Your personal data helps us find out if your accounts can be used for fraud and money laundering purposes. If we identify the risk of fraud, we reserve the right to temporarily suspend transactions in suspicious accounts or refuse relevant services for the sake of your safety.
Opening accounts
If you decide to open an account with us, we will verify the relevance of a specific product and/or service for you based on the information available to us. We will also ensure that you meet the terms required for opening an account.
Approval of a credit
When you apply to us for taking a credit, e.g. a loan or a credit card, we make a decision to disburse a loan to you by using a relevant system of the Bank. This is called a credit scoring system, which uses past data from your repayment history to assess your creditworthiness. The system obtains information from three sources: content of your application; credit organizations; data available to us.
CreditInfo Georgia (hereinafter CreditInfo Agency)
When you request a service or a product, we check you credit data, for which we can apply to the CreditInfo Agency. If you are our customer, we can use the databases of the CreditInfo Agency that will facilitate the process of approval of the loan product requested by you. We can exchange the following data on you with the CreditInfo Agency: · Names, address, date of birth
. Credit application
· Information about a joint credit · Financial position (current as well as past) · Public information from such sources as Trade and Public Registers, etc.
We will use the information to:
· find out if you can repay a loan
· verify the correctness of the information supplied by you
· promote the detection and prevention of financial crime
· control your loan obligations
We will share your data with the CreditInfo Agency until you are our customer. The data implies the information regarding the closed or overdue credits. If you are a borrower, we will also share the information whether you are repaying a credit in a due and timely manner. The CreditInfo Agency is authorized to transfer the information to other credit organizations wishing to check your credit status. We will also inform the CreditInfo Agency about complete fulfillment of your obligations. Further details about the CreditInfo Agency can be obtained via the information portal of the Agency’s web-site: www.creditinfo.ge.We reserve the right to allow the law-enforcement agencies’ access to your personal data in the cases strictly defined by the law for the exercise of official authority, including for establishing, investigation and prevention of crime. If you do not wish to have your personal information disclosed, our fulfillment of the obligations assumed before you, including the servicing of an account or relevant procedures, may be hindered or become impossible.
Marketing
We can use your personal data to introduce you to our product terms and offers. We have an access to your personal data which you share with us or we obtain while providing you with services. We study your data by using the tools available to us in order to identify your needs, interests or wishes. This way we decide which products, services or offers may be relevant for you. We only use your personal data and send marketing notifications to you when we have your approval or a legitimate interest. We promise that our activities will never be unfair, incorrect or contrary to your interests. You can contact us at any time and request that we stop sending you marketing notifications. We respect your wishes and upon receiving such a notification from you, we will stop using your personal data for direct marketing purposes. Your safety and interests are important for us, so you will always receive notifications regarding changes administered by the Bank to products and services offered to you.
How long do we keep personal information?
We keep your personal data throughout the entire period of servicing; also, for up to 15-year term after the end of the service due to the following reasons: · to respond to questions and claims
· to prove that we treated your fairly
· to ensure record-keeping by observing relevant regulations/rules
We can keep your personal information for more than 15 years, if we cannot delete it due to legal or normative reasons. If you consider that any data kept with us is incorrect or incomplete, please, contact us to share your doubts.We will take all reasonable measures to check and improve the drawback. You are entitled not to agree to our use of your personal data, or request the deletion, removal or the suspension of their use unless we have the legal basis for their storage. Please, contact us if you do not agree to our use of your data or you have questions or want to have your data cancelled or its use – restricted. Should you have questions regarding the confidentiality policy, our common rights and obligations or our processing of your data, you can contact us through the following communication channels: Via online chat you can talk with our consultants or call at (+995 32) 2 27 27 27 24/7 or visit our branches.
