Legal notification

SKB banka d.d. Ljubljana is a commercial bank based in the Republic of Slovenia performing services for both corporate and individual customers.

Registered office: Ajdovščina 4, 1000 Ljubljana, Slovenia
Registered with the District Court of Ljubljana, commercial register number: 061/10148300
VAT Identification number: SI40502368
Registration number: 5026237

SKB banka d.d. Ljubljana (hereinafter: SKB d.d.) strives to ensure that the information published on this website is accurate and up-to-date, and reserves the right to amend the content of this website at any time, without prior notice. However, it is not able to guarantee that the information herein is complete or that it will not be modified by a third party (in the event of malware or virus). SKB d.d. disclaims any direct or indirect liability related to or caused by any delay, error or omission in the contents of this website, as well as from the use, the interruption or non-availability of this website. The content of this website is of an informative nature.

Therefore SKB d.d. shall not be held liable for any indirect consequential loss or damage, including, but not limited to: any damage or loss arising from any transaction carried out on the basis of the information herein; any loss of profit, loss of business, or any other loss arising from an interruption to the service; or the increase of the fees or charges for accessing and processing the information. Furthermore, SKB d.d. shall not be held liable neither for any elements beyond their control nor for any eventual loss or damage to your technical environment, including, but not limited to, hardware, software, or network equipment (modems, telephones …) and all the tools used to access this website or use the services and/or the information herein. SKB d.d. does not guarantee, nor shall it be held liable, under any circumstance, for the suitability, consequence, accuracy, absence of errors, veracity, topicality, loyal and commercial nature, quality, soundness, non-infringement or availability and accessibility of the information contained on this website.

Any attempt at unauthorised change, deletion or damage to the information herein as well as attempts at rendering them unusable, or any attempt at unauthorised access to any other content within the information system of SKB d.d., shall be punishable.

You undertake to access and use the information contained on this website for your own personal and non-commercial use only.

Any information on one or more financial instruments (shares, prices of investment funds, etc.) is stated only as a guideline, also when prepared on the basis of reliable sources. This information also does not constitute an offer of SKB d.d. for purchase, sale or order of financial services (especially banking and insurance products) or a request for offer of purchase or sale of securities or other investment products.

SKB d.d. shall not be held liable for any use of information herein or consequences arising from this use, especially with regard to any decision or act, performed on the basis of this information. In accordance with the stated, you are exclusively liable for the use of this information and the results arising from it. It is also your responsibility to check all the information you receive over the Internet.

Any guarantee of SKB d.d. on suitability of services or data for fulfilling a certain purpose related to their commercial use, potential valid contracts, market value or suitability, is excluded. You are made aware of the fact that the use and interpretation of information requires specific and in-depth knowledge of financial markets. If you want any of the products or services from the offer, please contact SKB d.d. for complete information on availability, contract provisions, conditions and prices. Availability of products and services shown on this website may be limited to certain persons or countries.


Cookies policy

Cookies are small text files sent by web site and saved to web browser (device), which accesses a web page. They are used in order to achieve better user experience. By using cookies, a web site "remembers" you during your visit (session cookies) or in case of new visit (persistent cookies). When a device returns to a web site, the data saved in a cookie can be sent back to a web site.

Cookies can be set by a web site you visited (first party cookies), or they can be set by other web sites/services which show content on a page you are looking at (third party cookies) - e.g. YouTube, Facebook.

On the SKB d.d. web page, we use different types of cookies:

Necessary cookies
Some cookies are necessary for functioning of a web site. Such cookies enable a visitor flawless use of web site. Without such cookies a web page would not function correctly.

cc_analytics: Cookie where we save user's consent for use of cookies for analytics. Duration of cookie is 1 year.

Functional cookies
These are cookies in which saved decisions are written (e.g. selection private/business user). These cookies help us adjust the use of web site to each individual.

JSESSIONID: Cookie is created when a user opens a web site. It enables us to remember user's actions during a session. When a user closes a browser, a cookie is deleted.

Performance cookies
These cookies are used in order to improve user experience. Information obtained by cookies help us understand how visitors use a web site and based on these information we make decisions about functionalities and content adjustments.

__utma: The cookie is used for differentiating among different users.
__utmb: The cookie is used for determining new session or visit.
__utmc: The cookie is used for compliance with the urchin.js library.
__utmz: The cookie saves information on how a user has come to a web site.

Third party cookies
In some cases, in our content we nest contents (videos, pictures) from web pages such as for instance Youtube. When visiting a page with such content, cookies are saved to user’s device, which are saved by those web pages. You can disable saving of such cookies in settings. However, by doing so, you will disable sharing of content.

PREF: user's settings for Google maps

Sharing content
Some contents on a web site can be shared by using the “Share” button. When sharing contents, a cookie is saved to a user’s device which is set by a service used for sharing. You can disable saving of these cookies in settings. However, by doing so, you will disable sharing of content.

__atuvc: It is used for refreshing data on shared site
uid: mechanically created user's identifier
di/dt: cookies for checking validity of other cookies
bt: modeling of user's preferences
uvc: number of share users
ssc/psc/uvc: they save user's activity on social networks
loc: geolocation of user
uss/ups: they save user's favorite actions
ssh/sshs: they optimize user's sharing of content
dbm: user's settings of sharing options

Personal data
SKB d.d. can collect your personal data, processed by a computer, for meeting your needs and during browsing web sites. These data are intended exclusively for SKB d.d. and are explicitly approved by this statement and you do not oppose to them, namely for saving and use of such data for acquainting with our products and services.
The Bank shall not convey your personal data to third parties. A user has a right of insight, copy, completion, correction, blocking and deletion of personal data which refer to him/her. The Bank doesn’t collect personal data by using cookies. You send us personal data exclusively via web forms.

To edit settings of consent for individual type of cookies, please click here.


This entire website is governed by applicable Slovenian and international legislation on copyright, trademark and intellectual property in general, both as they are applicable to its form (editorial choices, layout, topics, means for accessing data, display, etc.), and to its content (text, images, etc.). The contents displayed on this website are of the exclusive property of SKB d.d. You also undertake not to use this content for illegal purposes and not to allow anyone else to do so. By way of exception, some of the content (text, images) is the property of their respective authors.

Any reproduction, representation, diffusion or re-diffusion, in whole or in part, of the contents of this website on any medium or by any means whatsoever (including, but not limited to, caching, framing), as well as any sale, resale, retransmission or any other act tending to make such contents available to any third party in any manner whatsoever shall be prohibited. Failure to comply with these restrictions shall constitute a forgery engaging the civil and criminal liability of the forger.


SKB d.d. shall not be liable for the hypertext links towards other websites, and particularly for the contents of the linked websites. SKB d.d. shall not be liable for the hypertext links towards this website; no one shall create any such links without prior and express authorization of SKB d.d.


Personal data

This website ensures protection of individuals as regards the processing of personal data in accordance with the Personal Data Protection Act of the Republic of Slovenia (ZVOP-1). As regards the privacy protection of data, facts and circumstances of individual Bank customers, this website complies with the Banking Act of the Republic of Slovenia (ZBan-1).

SKB d.d. reserves the right to collect your personal data, electronically processed, in order to provide for your needs during the browsing of this website. These data are intended exclusively for the purposes of SKB d.d. which have been explicitly approved by this statement and which you do not oppose, namely for storage and use of such data for information about our products and services.

We are also entitled to store “cookies” in your computer to make browsing easier for you. A “cookie” stores information related to your browsing of this website (pages you have already accessed, date and time), which we can access during your future visits of our website.

Collected data can also be used to inform you about events, promotions or publications that could be interesting for you. Data which enable indirect identification for statistical use are also collected for better management of your connection and browsing (see below for information on Cookies).


Rights of access, modification and objection

SKB d.d. reserves the right to collect your personal data, electronically processed, in order to provide for your needs during the browsing of this website. These data are intended exclusively for the purposes of SKB d.d., which have been explicitly approved by this statement and you do not oppose, namely for storage and use of such data for information about our products and services.

We are also entitled to store “cookies” in your computer to make browsing easier for you. A “cookie” stores information related to your browsing of this website (pages you have already accessed, date and time), which we can access during your future visits of our website.

Internet Explorer 7
In the menu bar, click “Tools”, then “Internet Options”. Select “Privacy” tab, then click “Advanced”.
You can choose between automatic cookie handling (activated by default) or check “Override automatic cookie handling”, then select under First-Party Cookies: “Block”; under Third Party Cookies also select: “Block” and in the end check “Always allow session cookies” and then confirm your choice by clicking “OK”.

Internet Explorer 6
In the menu bar, click “Tools”, then “Internet Options”. Select “Privacy” tab, then click “Advanced”.
You can choose between automatic cookie handling (activated by default) or check “Override automatic cookie handling”, then select under First-Party Cookies: “Block”; under Third Party Cookies also select: “Block” and in the end check “Always allow session cookies” and then confirm your choice by clicking “OK”.

Firefox 2 and later versions
In the menu bar, click “Tools”, then “Internet Options”. Select “Privacy” tab.
Check “Accept cookies from sites”, then select under “Keep until:” “I close Firefox”, then confirm the selection by clicking “OK”.

Safari
In the menu bar, click “Safari”, then “Preferences”. Select “Security” tab, then click “Accept cookies”.
Then, you can select: “Only from sites I visit - Block cookies from third parties and advertisers.”
If you wish to delete cookies, click on “Show Cookies” and then “Remove All”.

Netscape 7.02
Under menu “Edit”, select “Preferences”. Click on “Privacy & Security”, then click “Cookies”.
Then, check “Enable cookies for the originating website only”, and check “Limit maximum lifetime of cookies to”, and at the end select “current session” and click “OK”.

You may object to the processing of your personal information. You can also object to their use for the purposes of research, especially for operational purposes, without incurring any costs. If you want to exercise your right of access, modification and objection to the use of your personal information, please contact the webmaster (ATTENTION: make a link to the webmaster’s e-mail).

Required plug-ins

Plug-in Quicktime version 6 or later
Plug-in Flash version 8 or later

Safety
This website is protected by suitable technical security, and it is under permanent monitoring.

The algorithms and mechanisms used to protect your communications with SKB d.d. and the information that pertains you, comply with applicable laws.