Legal Notice &
Access to the website operated by Kommunalkredit Austria AG (“Kommunalkredit”) and use of the information contained therein is subject to the conditions specified in the following. Information made available on this website is not intended for natural or legal persons subject to a foreign jurisdiction which provides for restrictions on the dissemination of such information (which applies, in particular, to the United States of America).
The information and documents on this website exclusively contain general information and do not constitute any form of financial legal or fiscal advice for site visitors. They shall not be deemed to be offers of transactions or invitations to buy or sell any of the products described here. If you are interested in buying any of Kommunalkredit’s products, please make sure to obtain the relevant information regarding the legal prerequisites, foreign-exchange provisions and taxes payable in your home country.
Kommunalkredit continuously updates the information on this website and takes utmost care in the collection of data. Nevertheless, Kommunalkredit does not assume any liability, warranty or guarantee whatsoever for the up-to-dateness, correctness, completeness or permanent availability of the information and/or sources of information provided on this website and reserves the right to modify, supplement or remove from this website any of the information available herein without prior notice.
Kommunalkredit excludes any liability for loss or damage, including consequential or indirect damage or loss of earnings, as may arise as a result of or in connection with access to this website, links established to other websites or URLs of other operators, or the non-availability of this website. Third-party websites connected with this website through links have not been and will not be continuously verified by Kommunalkredit.
Therefore, Kommunalkredit does not assume any liability for their content, in particular for offers, products, services and information contained therein. Kommunalkredit has made every effort to ensure that the information provided on this website is correct, accurate and complete at the time of publication. Even though Kommunalkredit continuously checks and updates the content of the website, data may have changed in the meantime. We therefore apologise for any unintentional errors.
No liability or guarantee for the up-to-dateness, correctness and completeness of the information made available can be assumed by Kommunalkredit.
Kommunalkredit reserves the right to modify, add to or delete parts of the website or the entire offer without prior notice.
Kommunalkredit assumes no liability for decisions taken on the basis of the information made available on the website. Any decisions taken are the sole responsibility of the user.
Kommunalkredit holds the exclusive copyright to all contents and information material accessible on the website, including text, images, diagrams and the files available for download. In the event of an unintentional copyright violation, Kommunalkredit will remove the material concerned immediately after notification of the violation.
The reproduction of information or data and, in particular, the utilisation of texts, parts of texts or images is subject to prior approval by Kommunalkredit. This provision does not apply to the material made available for download. Any modification of contents or material made available on the website, as well as any reproduction by other means or any other use of such material, is forbidden.
The prime objective of Kommunalkredit Group is to act in accordance with the highest ethical principles in order to preserve and promote the integrity and lawful conduct of the Kommunalkredit Group.
Our actions are always characterised by the greatest possible transparency and commitment. The minimisation of all risks, the enhanced protection of our assets, employees, applicants, suppliers and other service providers as well as our reputation are therefore of particular importance. We are committed to consistently combating, in particular, fraud, market abuse, money laundering, terrorist financing and tax offences, as well as complying with applicable embargoes.
The whistleblowing system that has already been set up enables us to maintain and further develop appropriate measures to support compliant behaviour. We therefore ask everyone to draw attention to actual or potential risks, such as those arising from fraudulent behaviour or white-collar crime, which could be detrimental to the Kommunalkredit Group.
We encourage you to report any indications of breaches of rules, cases of fraud, criminal acts and damage to reputation.
Of course, we will treat all reports as strictly confidential and the anonymity of the source is guaranteed.
Thank you for your support!
Customer satisfaction is a top priority for Kommunalkredit Austria AG (“Kommunalkredit”). Your feedback is therefore particularly valuable for us. If you have any complaints and constructive criticisms, here is where you can voice them:
Please be specific in describing the subject matter of your complaint and don’t forget to supply your contact details (postal address, e-mail address or phone number) so we can get in touch with you if we have any questions. Your complaint may concern anything you were not satisfied with in the context of a banking service provided by Kommunalkredit Austria AG.
Processing of complaints
We will do our best to process your complaint as promptly as possible. Once we have received a complaint from you, we will immediately get in touch with you and inform you how long we think it will take to process your complaint.
Dispute Resolution Bodies outside Kommunalkredit
- Joint Arbitration Body of the Austrian Banking Sector for all banking transactions (except foreign-currency loans)
Wiedner Hauptstrasse 64, A-1045 Vienna
+43 1 5054298
- Internet Ombudsperson (www.obmudsmann.at) for online contracts concluded for pecuniary interest, other issues of e-commerce or Internet law, data protection, copyright or trademark law relating to Internet transactions, if you are a consumer residing in Austria.
- Arbitration body for consumer transactions (www.verbraucherschlichtung.at) for foreign-currency loans or other disputes not covered by the above dispute resolution bodies.
- Online Dispute Resolution Platform of the European Commission (www.ec.europa.eu/odr). Disputes arising over contracts concluded online can also be referred to the Online Dispute Resolution Platform set up by the European Commission.