Poland: service conditions of transfers of funds western union ®
It is important that before accepting these conditions has read you / examined you with them to understand.
Include restrictions on our commitment to you and the scope of restrictions and exemptions for our accountability to you if you loss as a result of use to bear with our services.
Provisions on these matters are indicated in bold.
Used in these conditions date:
(A) " charter bank ' means a card debit or credit visa and mastercard ® ®;
(B) " working day ' is that every day of the week from monday to friday, excluding public holidays from work () in which the commercial banks christmas in vienna are ordinary activities;
(C) " issuer card ' means provider and the owner of the bank card;
(D) " the method of payment ' means available to the consignor options transferring measures by service website, which may differ western union depending on the country and may include a bank, a bank account and other methods of payment.
(E) " prohibited objective ' means the objective unlawful; making and / or receiving payment for gambling services, tokens or loans; or the payment to himself as consignee in order to guarantee financial compatibility (the risk of fraud), or the creation of more than one load profile; or sending and / or receiving money on behalf of another person;
(F) " payee " means a person indicated as the beneficiary (regardless of whether the transfer of funds transfer cash is being carried out by the consignor benefiting from services website or by the person making use of a western union other money remittance services western union);
(G) " broadcaster " means a person pursuing a money order using services website western union;
(H) " transaction " means any money order commissioned by lord you in the service website western union;
(I) " western union, " " we / us / us / us " or " our / our / our / our / our / our " means the western union international bank gmbh and western union international limited and in the provisions listed in pairs.
9 and in making reference to the " our negligence or fraud ' is a related or agent western union international bank gmbh and western union international limited in the performance of the tasks that in a different case, would have to be made by the western union international bank gmbh and western union international limited in connection with the provision of services website western union;
(J) " web service to western union " means any or all of the services provided by the us via a website, western union, on which they are described their basic characteristics;
(K) " website western union " or " web site ' means a webpage managed by us in order to provide internet services of transfers of funds, and the related it solutions; and
(L) " you " or " your ", " you, " " you / you, " " Ms / Mr: " means a person benefitting from the website western union or service website western union as the sender.
1.
Company
1.
1.
Web service to western union ® is offered by western union international bank gmbh (" ") in cooperation with the western union WUIB international limited.
WUIB is a company with limited liability registered in austria at the icon vienna (24), tower, vienna, no 13 wiedner gürtel case A-1100 commercial registry, issued by a commercial court in vienna 256187t; no registration for data processing 2111221.
Western union international limited is a registered in ireland, at office park, unit 9, Richview, dublin, ireland (Clonskeagh 14 number: this). 372428
1.
2.
Customers can obtain information about the address of the company and office hours agents and local representatives, telephone: + 32- (0) 2-639 7112.
May also be your under number (free on polish territory WUIB): 800 32 11 or at 416 e-mail: @ Poland.customer westernunion.pl.
1.
3.
Company WUIB shall be subject to control the austrian financial market supervisory authority [] (" the financial market supervisory authority Finanzmarktaufsicht "), located at 5, vienna, no telephone otto-wagner-platz 1090 + 43 1 249 59.
For information on the supervisory authority market can be found at: www.fma.gv.at.
2.
Our services
2.
1.
Internet services western union include the implementation of the transfers of funds within the country and abroad.
To benefit from the services website western union the user must be at least 18 years and be on polish territory. zameldowanym
Each money order shall bear an individual number transactions-code or ". " control transmission MTCN
2.
2.
By providing and agree to the processing of information required for the transfer of funds, and by agreeing to this conditions has referred to the implementation of the transfer of funds. the broadcaster WUIB
Each individual order is a separate agreement between the media and which is limited WUIB sender to delivery of a particular transfer of funds.
A framework contract between Mr / you and our company does not oblige us to implement individual and successive transfers of funds.
A broadcaster should inform the addressee about sent transfer of funds.
2.
3.
In connection with legislative requirements and regulatory we will act accordingly, to provide measures communicated by the end of working day following the day on which the measures have been received (" good ") of
Moment receipt of the funds, this is a moment in which we have provided measures with due charges to the media.
For transfers of funds in writing within a period of prolonged for another outsourced working day.
2.
4.
For (i) transfers of funds carried out outside the eea or (ii) transfers of funds, where there is more than one currency exchange between the euro and the currency of one of the european union member states or outside the eea, or (iii) of the eurozone transfers of funds made in currencies other than euro cash will be available to customers at the latest at the end of the fourth working day following the date of receipt.
2.
5.
Regular remittances are usually available for download after several minutes, depending on the opening hours of the establishment concerned.
For some countries the implementation of the services may be delayed or may apply additional restrictions.
Detailed information is available by phone number given in section 1.
2 of these conditions of service.
2.
6.
Web service to western union ensures that the various forms of reception measures, including the over cash in representative directly to a bank account or a mobile phone, if possible.
If measures are to be provided in cash, the recipient should provide appropriate identity card together with any data to transactions as required by the western union in connection with the removal of cash, and in particular the name of the sender, the name of the country from which was sent to the measures to field name, estimated sent measures, and any conditions and the sum of the existing requirements in agent western union funds transferred, such as during the payment
MTCN (code control of transfers of funds).
Payment of the consignee takes place after the verification of identity documents by western union or authorised representative.
Payment notified measures may also be agreed in cases where the information provided by the consignee contain minor.
Both company, as well as its western union representatives are not required to comparing information relating to the address of the consignee.
Location consignee for some may be asked to presentation identity card or to answer the question test, or about both of these things in order to receipt of the funds provided.
Multi-choice question can not be an additional safety measure and can not be used in order to extend expectations on the disbursement of funds or payment is made late measures; the use of multi-choice is banned in some countries.
For transfers to a bank account or a mobile phone company western union will media measures in accordance with the information provided by the sender.
In case of inconsistencies data owner accounts (including mobile phone numbers for accounts on the phone and cellular) resources will be given to the recipient of the names with the stated by the sender.
2.
7.
Appropriate law bodies pursuing money orders of business, prohibit laid down and countries; the company western union actors is obliged to check all transactions with a list of prepared by governments of countries and territories with which we work, including a list of the american the supervising office for foreign assets () and the european union. OFAC
If an entity is on the list, the company western union carries out a verification in order to determine whether the name of the transactions is located on the appropriate list. actually
W tym celu firma western union is obliged to ask for additional information and indicated sender or recipient of evidence needed to delay the transactions.
It is a legal requirement for all the transactions carried out by the western union (including transfers of funds outside the usa). initiated and finalised
2.
8.
Fees have been written information explaining the fees charged by way: western union in relation to the broadcasters for the transfer of funds are available on the website of the transaction are available for western union and broadcasters in carrying out the transaction order.
Individual fees have been for transfers of funds are specified in the section " send money by the internet " on the www.westernunion.com.
Select name of the country, target, and then click " enter the amount of the distribution compute. "
Consignor pay any fees to the execution of transfers should, as far as the legislation in force in the country concerned does not provide otherwise.
In some cases of the payments may be local tax laws, or require payment service charges.
Consignee may therefore be liable to pay the additional costs associated with the payment of the measures notified by based on account of customers, broadcaster account on the phone or cellular bank account.
Remittances should be sent to the consignee () in local currency, otherwise the transfer (in which the recipient holds account at the receiving end) may make conversion measures at its own exchange rate or even refuse to accept a transfer of funds.
The agreement between the recipient and his / her service provider mobile or bank or other entity carrying account establishes rights mwallet, duties, fees, the availability of funds, and restrictions on account.
In case of inconsistencies data owner accounts (including mobile phone numbers for accounts on the phone and cellular) resources will be given to the recipient of the names with the stated by the sender.
Company western union may collect additional charges related to their use accounts for the purpose of transmission and receipt of transfers of funds.
Company western union accepts no responsibility for costs that the consignor or any owner account in connection with the exchange rate has suffered during the exchange of the foreign currency or actions or lack of action in the case of a location, or from the internal service provider.
2.
9.
Exchange rates
A.
Remittances are usually carried out in the currency of the country target (in some countries the disbursement of funds is possible only in the currency of the alternative).
All currencies shall be converted by western union under existing course.
Company western union conversion shall on the basis of available on the market rates interbank plus a margin.
Most exchange rate is subject to revision during the day, several times in accordance with appropriate exchange rates in force at the time of the closure of the global financial markets.
Exchange rates for transfers of funds are available on the country's name in target tab after selecting www.westernunion.com " send money over the internet, " entry amounts media and click option ". " compute
B.
Currency left will be converted at the time of media, and the recipient will receive in local currency in the amount of the transfer during the transfer.
In some countries, local regulations require that the amount of the transfer of funds has been converted into local currency at the date of payment.
If consignor shall to one of the transfers of such countries, exchange rate given above is only estimated, but the actual exchange rate will be determined during the distribution.
Representatives western union can offer customers able to reception in a currency other than the transmission by the sender.
In such cases, the western union (or its representatives, supplier mobile telephony services or service provider bank) may take additional charges in relation to a conversion sent by the sender of currency chosen by the recipient.
Chooses where a currency other than national currency target selected currency may not be available in all transfers of funds locations in the country or may not be available at suitably small, in order to cover all denominations money order.
In such cases may send a representative part of transfers of funds made by the broadcaster in national currency.
Exchange rates western union may be less favourable than some made publicly available on the market exchange rates used in the transactions between banks and other financial institutions.
Any difference between the exchange rates offered to customers and exchange rates obtained by western union will be added by the western union (and, in some cases, by their representatives, suppliers of mobile telephony services or service providers bank) to charges for a money order.
Additional information on the currency exchange rates for specific target countries are available at free telephone the below or on our website.
2.
10.
Sms-western union offers a service free of charge via sms messages in the selected countries reporting in order to inform to withdraw of transfers of funds (for) and the availability of broadcasters to pay for the consignee.
Fees charged by the supplier for answering mobile telephony services are only sender or receiver.
Company western union does not assume any liability for any charges related to the sending sms.
Where this is authorized by the competent law, the notification will be sent to the number and / sms service or consignee given during the implementation of the transaction.
Western union will send messages to the goals in for onward transmission, which are the responsibility of third parties, and where the company western union does not guarantee.
Western union shall not be liable for any potential technical defects in proprietary systems belonging to third parties or beyond.
3.
Our commitment to your
3.
1 proclaim our willingness to provide for your benefit of money remittance services in the form of individual cash payment and to provide relevant information in accordance with these conditions, as well as to exercise due diligence.
3.
2.
We are not obliged to accept any orders for carrying out the transactions and does not bear any liability for that refusal of the order or withdrawal, cancellation or limitation to provide any services.
These conditions should, however, be applied in the event that confirming. each order
3.
3.
Not bear your for: responsibility towards
(A) the goods or services for which makes you pay using services western union, and in particular website for their delivery;
(B) the distortions in the functioning of telecommunications equipment, which are beyond our control;
(C) loss or delay in the use of the service provider as a result of przysyłaniu access to the internet or caused by web browser or other computer program which is not under our control.
(D) services provided in your behalf by your card issuer;
(E) computer viruses from third parties;
(F) errors on a website or in service website western union due to incomplete or incorrect information provided to us by Mr / Ms or third parties;
(G) unauthorised use or takeover of messages or information before it reaches it on a website; and
(H) unauthorised use of or access to data on your or your transactions in our possession (unless such use or access is due to our negligence, fraud or legislation concerning the protection of you / your lack of data).
3.
4 regardless of any agreement on the implementation of the transfers of funds not concluded before we are obliged to your acceptance or to for the transfer of money or other transactions within the services website western union, if:
(A) we are not able to obtain satisfactory proof of your identity;
(B) we have grounds for believing that a message concerning transactions is incorrect, nieautoryzowana or false;
(C) will provide us you incorrect or incomplete information or if your news regarding transactions will not be committed well in advance to allow timely implementation of us requested transaction; or
(D) your card issuer does not use by Mr / Mrs / lord autoryzował you bank card to be paid for the transaction and to cover the fees to be paid us due to the transactions
We don't accept liability for damage or delay in making the payment of the transfer of funds niedokonaniem customers with respect to our responsibility in accordance with point 8 or transactions within the framework of services website western union niedokonaniem due to either of these reasons.
3.
5 can refuse service website western union (in whole or in part) on your thing, if its provision could lead to violations of the policy (including western union policies aimed at tackling fraud, placing on the market of financial assets from illegal and unreported sources or terrorist financing) and / or any relevant legislation, judgments of courts or requirements administrations within whose jurisdiction subject to or competence, which we are, or if for other reasons, we consider that such action is necessary in order to protect our interests.
, However, so if we refuse service website western union (in whole or in part) for these reasons, as far as possible notify you / you of this fact and, unless this is prohibited by legal obstacles, we'll settle reason for our decision.
3.
6.
Website western union, we can suspend the operation of the services or website in whole or in part of western union, where, according to our sole discretion, we consider that it is desirable, in view of the circumstances that are beyond our control (" events beyond the control of ").
We commit, that if the provision of services via a website, western union or services website western union is stopped (by us, the external service provider or by other operators) from any cause reasonable efforts in order to minimise, we shall duration of the break.
3.
7.
Essentially we are with you you communicate via the internet and e-mail.
This does not affect enjoyed you have the right to communicate with us using other measures (described in section.
1.
(2), if circumstances so require.
4.
Your obligations to us
4.
1 undertakes you pay us for any commission due to transfer of funds or other transactions (see section 2.
8), which you fulfilled / has you or you demand / requested in the service website you western union
4.
2.
Undertakes you pay principal amount of each transfer of funds, and our using bank card (to the remuneration to which may be based on the bank account of the customer transfers WUIB).
At each use of services website you western union agrees to load your card-issuing by the transfer of funds, and for the relevant transaction before our salaries of transfers of funds or other transactions.
Amount obciążymy, which you you will be given an issuer card before final authorization of transactions.
4.
3.
Has you for news and agrees that:
(A) during the registration with us you will give true, accurate, up-to-date and complete information; / p >
(B) you will take action to transaction data (the amount of the country name of consignee or) were disclosed only recipient., MTCN
Must you will ensure that third parties required / you did not have access to this information.
Recommend transactions only in the case of known customers.
(C) not you will benefit from the services in order to unlawful website western union or in connection with it;
(D) not you will benefit from the services website western union in any order to or in connection with him; the
(E) not you will contract of transfers of funds or other transactions within the service website western union in breach of these conditions or restrictions or other requirements described on the website of western union use; and
(F) shall be borne by you responsibility for the safety of your passwords and name your email account according to par.
6 below.
4.
4.
In case of loss, theft, inappropriate use or unauthorised use of data on transactions (see section 4.
3.b), where it finds you, that the company has has not been demonstrated or transaction which it considers you that the company had failed to implement the transaction or carried out in an irregular manner should call the number transaction · + (0) 2-639 32-bit or 32 11 416 (free 7112 800 in poland) and immediately inform us of this fact.
After receiving the information we investigation.
4.
5.
Has you for news and agrees that we can provide information on your about each time and services that we provide in your favour, authorities or in the event that the national authorities:
(A) oblige us to the relevant rules of law; or
(B), we will find that disclosure of this information can help in the fight against fraud, placing on the market of financial assets from illegal and unreported sources or other activities of a criminal nature.
5.
Customer
If he finds out you any errors or any problems in the use of website encounters western union or services website western union or associated with them, in principle, will you are with us to communicate and may submit via e-mail, telephone the complaint (see section 1.
2) or by mail at:
Western union poland
Lietuva uab
J.
Balcikonio p 3
Vilnius, lithuania Lt-08247.
6.
Password and security
Before the first transfer of funds will give you the password and current e-mail address as a user name.
Username and password may not be used by another person.
You bears responsibility for the safe and the user name and password storage for the conduct of security during the transaction using password or a username.
I should not be disclosed to other persons or him write! password
Undertakes you immediately notify us about using username or password nieautoryzowanym by telephone or any other break security rules, do for telephone + 43 800 29 6544.
After informing us by Mr / you to a password or user name immediately take nieautoryzowanym steps aimed at preventing further their use.
Immediately you / you to take such action we will inform and, unless the reasons for it this is prohibited by adequate legislation.
Take these steps does not mean that we take responsibility for the loss or damage resulting from failure by lord you of obligations under this paragraph.
You may occur in relation to its card-issuing a claim for repayment of feedback or credited to the account from card-issuing, if it comes to fraud, use your bank card or bank account.
7.
Disclosure to third parties
7.
1 company western union uses and processes personal data in the manner described in the protection of privacy, which you expressed / you expressed consent.
To make our principles privacy click link.
We have the right to change the rules of privacy at any time.
7.
This rules are clear statement in relation to the privacy of banking secrecy in accordance with the par.
38 the austrian banking act.
This acceptance may be revoked at any time by sending written statements to by post at the address given in section WUIB 1.
1 or by e-mail to the address given in point 1.
2.
7.
3 so we reserve the right to verify provided by Mr / you data.
Company western union lays down credit ratings on the basis of processes provided by gmbh, matematyczno-statystycznych Deltavista diefenbachgasse 35, 1150 wien, or other service providers designated by the us in order to check the data provided by the customer, with the exception of information relating to the loan agreement may be revoked at any time.
8.
Responsibility
A.
Unauthorised transactions
8.
1.
Bear responsibility for a transaction by Mr / Mrs. unauthorised
Except that you shall not be liable for unauthorised transactions, in accordance with point 8.
2 and 8.
3 repayment, we will, which was forwarded in a nieautoryzowany by the end of working day following the working day, in which we have been informed of the fact that the transaction is not authorised or we learned about an nieautoryzowanej in another way. transactions
We do not make any claim for cover incurred by us costs.
In cases of reasonable indication of unfair action on the part of your obligation to companies for the recovery of the amount will be suspended and concerned, and the procedure will be initiated immediately.
8.
2 you may be required / liable to pay compensation of up to 50 euro:
A.
Undue transactions for the performance of using the lost, stolen or lost in any way data to transactions (see section 4.
3 (b); or
B.
For inappropriate use of data for transactions.
8.
3 will not make any claim at your contained in section 8.
2 if the detection of loss, theft or inappropriate use data to transactions it was not possible or it has been caused by the staff member or contractor acting on our behalf, one of our troops or indicated by us external supplier.
8.
4 responsibility you for losses caused by carrying out transactions is not limited to compensation in nieautoryzowanej of up to eur 50, as given in section 8.
2.
If work you / you acted in bad or deliberately contributed / contributed intention to inappropriate use of data to the transactions or has committed gross negligence /.
In such cases, bears you responsibility for any losses due to the nieautoryzowanej transactions.
Grossly negligent includes, inter alia, the cases in which you inform no previously western union of data loss to companies transactions, or if the data in the transactions, will not safely stored for you you, or if the data will be disclosed to third parties.
8.
5 if you don't work in a intention, you won't be held / you held liable:
A.
For losses caused by the use of data for transactions in section 4 unauthorised.
4.
B.
If we do not ensure the availability of contact points for notification referred to in section 4.
4.
B.
Improperly carried out, or have not transactions
8.
6 bear responsibility for failure to undertake or incorrectly transactions that were carried out commissioned by us, unless you / you this was for your guilt.
Your wine includes, inter alia, described in 4. reasons
(3) above.
This means that in the case of missing or executed transactions, we will return to you equal to the sum of transfers of funds (depending on this, the extent to which the transaction was not carried out or was not carried out).
You authorised is authorised to apply for reimbursement / you all charges and interest in so far as it has been collected or incurred in connection with the transaction or incorrectly nieprzeprowadzoną.
8.
7 insofar as the fees are collected in connection with or incorrectly conducted by us or by nieprzeprowadzoną an intermediate party and deducted from the amount of the transfer of funds received a transaction within the transactions by the recipient adequate amount collected for immediately return fees.
8.
8 our responsibility as set out in section 8.
6 is excluded in the case where:
A.
Can show that the amount of the media was received by the recipient in a timely manner through the service provider cash; or
B.
For the purposes specified in section 8.
6.
Transaction should be considered as properly carried out, if we demonstrate that the transaction was carried out in accordance with the information provided by Mr / you.
If data for transactions provided by Mr / you have proved to be incorrect, you may ask us to help them recover their cash.
We can't guarantee the success of those activities.
So we reserve the right to download fees for the cover reasonable costs in this connection.
C.
Disclaimer
8.
9 all our responsibility as set out in points 8.
1 or 8.
6 is excluded if not we will be informed of the transaction or improper transaction within nieautoryzowanej 13 months of the date of its conduct.
8.
10 not we also have a responsibility referred to in point 8 in any case not be carried out or irregular transaction is because of the circumstances that are beyond our control, or if you do not allow this our regulatory conditions.
8.
11 bear any liability if not or incorrectly conducted transaction will be carried out by nieautoryzowana third parties or between third parties that has instructed you / your before we received the funds of the transfer of funds also instructed or other transactions.
In that case, contact with the third party and report the circumstances, the implementation of the transaction. or incorrectly nieautoryzowanej
8.
12 bear responsibility for the damage caused of not exceptional and unforeseen circumstances that are beyond the control of companies western union, and whose consequences, in spite of the due diligence, a company western union failed to avoid (caused by, for example
By circumstances that are beyond our control, telecommunications, accidents, war or civil unrest other events, such as shares or for which we do not have protestacyjne blockade impact).
This applies equally to situations in which the company western union is bound by community legislation, national judicial or administrative, which provides otherwise.
8.
13 our responsibility is not subject to exclusion or where it would reduce illegal.
This applies to the responsibility for deaths and injuries caused by negligence body on our part; fraud or any false statements; or in the event of their violation of the rights infringement or limit would be unlawful in relation to the services western union.
9.
Intellectual property
Website western union and web service to western union, content and all related and the intellectual property rights (including, inter alia, copyrights, patents, databases, trade marks and signs service) are the property of our, our associated bodies or third parties.
All rights, titles and legal interests website western union and services website western union would remain with our and / or owned by such other third parties.
Website western union and the internet service may be used only for the purposes of western union permitted in these conditions or described on the website.
Authorised authorised solely for you you're / view and make copies of parties website western union for personal use.
Can't you or the change, develop, participate in the market, place on the internet or otherwise, disseminate or operate website western union, service website or any part thereof for the purposes of western union public or commercial without the express written consent.
Not you may: (a) benefit from any job, spider, or any other automatic devices in order to access przechwytywacza to the website of western union or service website and / or western union (b) not you will remove or alter the content of the warnings or copyright information, trademarks or other property rights appearing on the website of western union (or printed sides website).
Name western union and other names and symbols property products and / or services of western union, referred to on the website of western union, are our sole ownership or exclusive ownership of other third parties.
Other products, services and the company names appearing on website may be marks relevant owners those marks.
10.
Links to other websites
Website western union may contain links and indicators to other parties, and online resources (" related websites ").
Links to related websites do not constitute a guarantee on our part or links with third parties or by us of their content.
Links does not imply that we're related or associated with trade marks, trade names or marks graphic symbols copyright placed in odsyłaczach or through them or available entitled to benefit from them, nor that the related websites can be lawfully used trade marks, trade names, pictograms or symbols copyright western union.
Any doubts concerning the related websites should guide you / should guide you to the administrator of such website. related
Not we any assurances nor ręczymy for their accuracy and the reliability and clearly we abandon of liability for any advice, opinions, statements and other information contained on any related website or distributed through her.
Has you to note that you can rely on any opinion or information contained on any related poradzie website or otherwise made available on it at its own risk only.
11.
The right to suspend or cancellation of the transfer of funds
11.
1.
You have the right to suspend the transfer of funds through the western union within 14 days.
Suspension transactions should be declared in writing and sent by e-mail or post.
However, the right to stop a transaction shall not apply in cases where the cash were forwarded to the customer before being by us to proceed with the notification of the transaction.
For exercise of the right to stop a transaction by paying cash, we will return to you the amount of money remittance customers without billing.
11.
2.
Suspension transactions may be contracted out in writing and sent by e-mail or post, if the monies are not notified to the consignor before being by us to proceed with the notification of the transaction.
In that case, we will draw the amount of the transfer of funds according to the exchange rate in force at the time of repayment of western union, at least with a nominal value of the transaction, where the amount has not been transmitted to the recipient within 45 days.
In that case, fees have been not repaid.
Where a notification, if the amount media will not be paid the payer, within three working days, we will pay the amount of transfers of funds, together with the brought charges on the basis of transfer (laws and regulatory).
12.
All contracts
This conditions, together with the other issues included in these conditions by reference, constitute a whole contracts and agreements between Mr / you and us and replace existing solution any previous agreements or arrangements between Mr / you and us.
13.
PODZIELNOŚĆ
If one or more provisions of these conditions will prove to be for any reason anyway, unlawful or feasible, other provisions will remain valid and enforceable.
14.
Complaints, applicable law and competent court
14.
1 in the case where it is not satisfied / you're satisfied with our services described in these conditions, you may lodge a complaint in writing through the contact details of the published on page: https: / / www.westernunion.com / en /.
We will strive to deal with the complaint at the earliest opportunity and send an answer nadesłaną within 15 working days from receipt of the complaint.
Exceptionally send an initial response from within 15 working days, in which we set date final response message no later than 35 working days from the date of application.
Where receives you our final reply or you'll be upset / you dissatisfied with its content, there is the possibility to refer to the joint committee
Mediation austrian banking sector [gemeinsame der österreichischen], Schlichtungsstelle Kreditwirtschaft wiedner hauptstraße 63, 1045 vienna.
You can also benefit from their rights to the bringing of action for the ordinary courts.
Can also benefit from online dispute resolution (odr ").
Odr offers out-of-court dispute resolution relating to transactions: http: / / ec.europa.eu / consumers / odr /.
14.
This conditions are, except for standards austrian legislation conflict rules.
Place implementation is vienna.
If you polish, you may also benefit resident from each of the existing provisions of polish law on consumer protection.
14.
3 of the agreement with consumers, within the meaning of point 1 not austrian law on the protection of competition and consumer [], are jurisdiction in vienna of the kschg, of the centre.
Where you consumer, you may take legal action in respect of claims and disputes (including claims and disputes in the agreement) arising from or niewynikające relating to these conditions, both in the court in the country of residence or in the courts in austria.
If you consumer, can take you in court legal steps against your residence in the country, residence or employment.