Privacy Policy

Last updated: August 18, 2025

This Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your information when You use the Mobile Banking application (m-ba) and tells You about Your privacy rights and how the law protects You.

We use Your Personal data to provide and improve the Mobile Banking application (m-ba). By using the Mobile Banking application (m-ba), You agree to the collection and use of information in accordance with this Privacy Policy.

Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of this Privacy Policy:

Account means a unique account created for You to access our Mobile Banking application (m-ba) or parts of our Mobile Banking application (m-ba).
Affiliate means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
Application means the software program provided by the Bank downloaded by You on any electronic device, named m-ba
Bank (referred to as either "the Bank", "We", "Us" or "Our" in this Agreement) refers to UniCredit Bank d.d. Mostar, Kardinala Stepinca, Mostar 88000. (Data Controller)
Country refers to: Bosnia & Herzegovina
Device means any device that can access the Mobile Banking application (m-ba) such as a computer, a cellphone or a digital tablet.
Personal Data is any information that relates to an identified or identifiable individual.
Mobile Banking application (m-ba) refers to the Application.
Mobile Banking application (m-ba) Provider means any natural or legal person who processes the data on behalf of the Bank. It refers to third-party companies or individuals employed by the Bank to facilitate the Mobile Banking application (m-ba), to provide the Mobile Banking application (m-ba) on behalf of the Bank, to perform Mobile Banking application (m-ba)s related to the Mobile Banking application (m-ba) or to assist the Bank in analyzing how the Mobile Banking application (m-ba) is used.
Usage Data refers to data collected automatically, either generated by the use of the Mobile Banking application (m-ba) or from the Mobile Banking application (m-ba) infrastructure itself (for example, the duration of a page visit).
You means the individual accessing or using the Mobile Banking application (m-ba), or the Bank, or other legal entity on behalf of which such individual is accessing or using the Mobile Banking application (m-ba), as applicable.

Collecting and Using Your Personal Data

Types of Data Collected

Personal Data

While using Our Mobile Banking application (m-ba), we may ask You to provide Us with certain personally identifiable information that can be used to contact or identify You. Personally identifiable information may include, but is not limited to:

Email address
Phone number
Usage Data

Usage Data

Usage Data is collected automatically when using the Mobile Banking application (m-ba).

Usage Data may include information such as Your Device's Internet Protocol address (e.g. IP address), browser type, browser version, the pages of our Mobile Banking application (m-ba) that You visit, the time and date of Your visit, the time spent on those pages, unique device identifiers and other diagnostic data.

When You access the Mobile Banking application (m-ba) by or through a mobile device, We may collect certain information automatically, including, but not limited to, the type of mobile device You use, Your mobile device unique ID, the IP address of Your mobile device, Your mobile operating system, the type of mobile Internet browser You use, unique device identifiers and other diagnostic data.

We may also collect information that Your browser sends whenever You visit our Mobile Banking application (m-ba) or when You access the Mobile Banking application (m-ba) by or through a mobile device.

Use of Your Personal Data

The Bank may use Personal Data for the following purposes:

To provide and maintain our Mobile Banking application (m-ba), including to monitor the usage of our Mobile Banking application (m-ba).
To manage Your Account: to manage Your registration as a user of the Mobile Banking application (m-ba). The Personal Data You provide can give You access to different functionalities of the Mobile Banking application (m-ba) that are available to You as a registered user.
For the performance of a contract: the development, compliance and undertaking of the purchase contract for the products, items or Mobile Banking application (m-ba)s You have purchased or of any other contract with Us through the Mobile Banking application (m-ba).
To contact You: To contact You by email, telephone calls, SMS, or other equivalent forms of electronic communication, such as a mobile application's push notifications regarding updates or informative communications related to the functionalities, products or contracted Mobile Banking application (m-ba), including the security updates, when necessary or reasonable for their implementation.
To provide You with news, special offers and general information about other goods, Mobile Banking application (m-ba) and events which we offer that are similar to those that you have already purchased or enquired about unless You have opted not to receive such information.
To manage Your requests: To attend and manage Your requests to Us.
For business transfers: We may use Your information to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Our assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which Personal Data held by Us about our Mobile Banking application (m-ba) users is among the assets transferred.
For other purposes: We may use Your information for other purposes, such as data analysis, identifying usage trends, determining the effectiveness of our promotional campaigns and to evaluate and improve our Mobile Banking application (m-ba), products, Mobile Banking application (m-ba)s, marketing and your experience.

We may share Your personal information in the following situations:

With Mobile Banking application (m-ba) Providers: We may share Your personal information with Mobile Banking application (m-ba) Providers to monitor and analyze the use of our Mobile Banking application (m-ba), to contact You.
For business transfers: We may share or transfer Your personal information in connection with, or during negotiations of, any merger, sale of Bank assets, financing, or acquisition of all or a portion of Our business to another Bank.
With Affiliates: We may share Your information with Our affiliates, in which case we will require those affiliates to honor this Privacy Policy. Affiliates include Our parent Bank and any other subsidiaries, joint venture partners or other companies that We control or that are under common control with Us.
With business partners: We may share Your information with Our business partners to offer You certain products, Mobile Banking application (m-ba) or promotions. With Your consent: We may disclose Your personal information for any other purpose with Your consent. You may withdraw your previously given consent at any time (in accordance with the Law on the Protection of Personal Data of Bosnia and Herzegovina). You also have the right to object to the processing of personal data for marketing and market research purposes. In such a case, the personal data relating to you will no longer be processed for such purposes, without affecting the lawfulness of processing carried out prior to withdrawal.
The provision of personal data for these purposes is voluntary. The Bank will not refuse to conclude or perform a contract if the data subject withholds consent for the processing of personal data for such purposes. Withdrawal of consent does not affect the lawfulness of processing based on consent before it was withdrawn.

Retention of Your Personal Data

The Bank will retain Your Personal Data only for as long as is necessary for the purposes set out in this Privacy Policy. We will retain and use Your Personal Data to the extent necessary to comply with our legal obligations (for example, if we are required to retain your data to comply with applicable laws), resolve disputes, and enforce our legal agreements and policies.

The Bank will also retain Usage Data for internal analysis purposes. Usage Data is generally retained for a shorter period of time, except when this data is used to strengthen the security or to improve the functionality of Our Mobile Banking application (m-ba), or We are legally obligated to retain this data for longer time periods.

Transfer of Your Personal Data

Your information, including Personal Data, is processed at the Bank's operating offices and in any other places where the parties involved in the processing are located. It means that this information may be transferred to — and maintained on — computers located outside of Your state, province, country or other governmental jurisdiction where the data protection laws may differ than those from Your jurisdiction.

Your consent to this Privacy Policy followed by Your submission of such information represents Your agreement to that transfer.

The Bank will take all steps reasonably necessary to ensure that Your data is treated securely and in accordance with this Privacy Policy and no transfer of Your Personal Data will take place to an organization or a country unless there are adequate controls in place including the security of Your data and other personal information.

Disclosure of Your Personal Data

Business Transactions

If the Bank is involved in a merger, acquisition or asset sale, Your Personal Data may be transferred. We will provide notice before Your Personal Data is transferred and becomes subject to a different Privacy Policy.

Law enforcement

Under certain circumstances, the Bank may be required to disclose Your Personal Data if required to do so by law or in response to valid requests by public authorities (e.g. a court or a government agency).

Other legal requirements

The Bank may disclose Your Personal Data in the good faith belief that such action is necessary to:

Comply with a legal obligation
Protect and defend the rights or property of the Bank
Prevent or investigate possible complaints with the Mobile Banking application (m-ba)
Protect the personal safety of Users of the Mobile Banking application (m-ba) or the public
Protect against legal liability

Security of Your Personal Data

As part of its internal protection system and for the purpose of ensuring the security of your personal data, and in accordance with relevant regulations and defined obligations, the Bank applies and undertakes appropriate organizational and technical measures, i.e. measures against unauthorized access to personal data, alteration, destruction or loss of data, unauthorized transfer, and other forms of unlawful processing or misuse of personal data.

Children's Privacy

Our Mobile Banking application (m-ba) does not address anyone under the age of 13. We do not knowingly collect personally identifiable information from anyone under the age of 13. If You are a parent or guardian and You are aware that Your child has provided Us with Personal Data, please contact Us. If We become aware that We have collected Personal Data from anyone under the age of 13 without verification of parental consent, We take steps to remove that information from Our servers.

If We need to rely on consent as a legal basis for processing Your information and Your country requires consent from a parent, We may require Your parent's consent before We collect and use that information.

Changes to this Privacy Policy

We may update Our Privacy Policy from time to time. We will notify You of any changes by posting the new Privacy Policy on this page.

We will let You know via email and/or a prominent notice on Our Mobile Banking application (m-ba), prior to the change becoming effective and update the "Last updated" date at the top of this Privacy Policy.

You are advised to review this Privacy Policy periodically for any changes. Changes to this Privacy Policy are effective when they are posted on this page.

Contact Us

If you have any questions about this Privacy Policy, You can contact us:

By email: eba.gradjani@unicreditgroup.ba
By visiting this page on our website: UniCredit Bank Contacts
By phone number: 080 081 051

Every person whose personal data is processed by the Bank has, as a primary and fundamental right, access to all personal data provided, as well as the right to correction and deletion of personal data (to the extent permitted by law), the right to restriction of processing, all in the manner defined by applicable legal regulations.

The Bank's employees are at your disposal in all branches of the Bank and the Personal Data Protection Officer can be contacted in writing at the address: UniCredit Bank dd, Personal Data Protection Officer, Kardinala Stepinca bb, 88000 Mostar or via e-mail: dpo@unicreditgroup.ba

For more detailed information on how the Bank processes personal data, please visit UniCredit Bank zaštita podataka where detailed "Information on the processing of personal data of UniCredit Bank d.d." is published.