Privacy Policy

1. Introduction

These rules apply to access and use of the website (www.ucbank.me). Universal Capital Bank AD Podgorica (hereinafter: the Bank) is registered in the Central Registry of Business Entities under number: 4-0008441, registration number: 02684462.The Bank's registered office is at Stanka Dragojevića Street bb, 81000 Podgorica, Montenegro.The Chairman of the Bank's Management Board is Miloš Pavlović, and the members of the Management Board are Veselin Vuković and Nikola Vujošević.

2. Information

The website is for informational purposes only, it is not used for commercial purposes, and its information may not be disclosed to third parties.
The Bank does not guarantee the accuracy, truthfulness or reliability of the information.
The Bank may update existing information or add new information at any time and without prior notice. The website does not constitute a basis for a transaction, nor may this website be referred to for transactions to be carried out within the Bank.
Persons interested in a product or service may contact the Bank to inquire about the terms and conditions and fees for a particular product or service.

3. Communication

Electronic communication and sending e-mails are not completely secure and is subject to unauthorised access by third parties or incorrect delivery. The Bank is not liable for the security and privacy of such e-mails.

4. Liability

The Bank is not liable for damage or loss of information that may arise from the use of this website or its unavailability, or when using the services, solutions or software found on this website.

5. Referral to third-party sites - links

The links contained in this website allow you to leave the website. The linked sites are not under the control of the Bank, and it is not liable for the content of the linked sites or for changes or updates to the linked sites. The Bank provides links for convenience purposes only. Linked content does not imply endorsement of such site by the Bank.

6. Copyright

All elements on this website are protected by copyright and are the property of the Bank. Third-party copyrights are reserved.

1. Introduction

Universal Capital Bank AD Podgorica recognises the importance of personal data protection and applies the regulations governing the protection of personal data.
Personal data includes any information relating to an identified or identifiable natural person.
Personal data processing includes any activity by which personal data are collected, recorded, registered, organised, stored, altered, retrieved, used, consulted, disclosed by transmission, published or otherwise made available, organised, combined, blocked, erased, destroyed, or any other activity which is taken with regard to personal data.
Identified or identifiable individual personal data encompasses any information relating to a natural person who is directly identified or can be identified, either directly or indirectly, by using one or more specific characteristics specific to the physical, physiological, mental, economic, cultural or social identity of that person.

2. Data on the controller of personal data

Universal Capital Bank AD Podgorica, Stanka Dragojevića bb, 81000 Podgorica.

3. Person to whom you can contact for information on the processing of personal data

An authorised person for monitoring the compliance of the Bank's operations with regulations.
Email: info@ucbank.me.
Mailing address: Universal Capital Bank AD Podgorica, Stanka Dragojevića bb, 81000 Podgorica.

4. When does the Bank process personal data

5. Collection of personal data

The Bank collects personal data from various sources. In most cases, they are directly forwarded by Clients. The Bank creates certain data when processing data for reporting, analysis, etc. Also, certain information is made available to the Bank from public sources (for example, public registers).The condition for any collection of personal data is the existence of an appropriate legal basis. The Bank collects and processes:

1. Identification and contact details
   Name and surname, unique identification number, date of birth, residential address, identification document number, contact details, telephone number, e-mail address, etc.
2. Data for creditworthiness assessment
   Data on the employer (including employment contract), data on earnings, other household income, data from the Credit Registry of the Central Bank of Montenegro, account number, etc. Property data (for certain types of services) - real estate and movable property owned by the Client.
3. Sociodemographic data
   Age, gender, level of education, etc.
4. Transaction data
   Our systems record every payment made from an account or payment card or via internet or mobile banking, as well as every cash withdrawal at an ATM, transactions we make on behalf of and at the request of a client, and any payment made to a client's account. Each transaction also contains additional information, for example, the transaction amount, the payment account number, the name and number of the merchant's POS terminal through which the payment was made, the merchant's address or location, and the date and time of payment.
5. Related party data
   Relationship based on control or joint action or based on kinship as well as other types of relationships in accordance with applicable regulations.
6. Survey, research and testing data
   Data about clients, potential clients and other individuals from surveys, research and testing (for example, clients' opinions on existing services and advertisements).
7. Data collected and processed in accordance with regulations
   These are data that the Bank must collect, evaluate and store for a certain period of time to comply with the regulations. For example, the obligation to archive data in accordance with laws governing business activities, or the collection and evaluation of data with the aim of preventing money laundering and terrorist financing. Such data may include: resources and sources of income, mutual capital ties, citizenship, residential address, area of ​​activity, political exposure and the like.
8. Data on the use of financial services
   Data on the use of financial services, which services are used, under what terms, whether they have been retained or cancelled, the frequency of use of the payment card and the locations where it is used, the amount and purpose of the transaction. If the Client has been granted a loan, data on the amount and date of a certain instalment or on late payment and the like.
9. Other personal data
   The Bank collects and processes other personal data that are not explicitly listed herein, and in accordance with the law and the principles and standards contained in ratified international treaties and generally accepted rules of international law.

6. Storage and access to personal data

The Bank complies with the obligation to store personal data in its operations.The Bank provides technical, personnel and organisational measures to protect personal data, to protect such data against loss, destruction, unauthorised access, change, disclosure, as well as misuse. Members of the Bank's bodies, shareholders, employees, external auditors and other persons who, due to the nature of the work they perform with the Bank or for the Bank, have access to personal data, are obliged to store personal data and may not make them available to third parties, use them against the interests of the Bank and its Clients, or enable third parties to use them.Personal data relating to data on individual deposit balance, account balance and transactions on individual accounts, loan beneficiaries and the balance of their loans, as well as other data and information about the Client obtained by the Bank based on the provision of financial services and in performing transactions with the Client, may be made available to the Central Bank of Montenegro, the competent court or other authorities, in accordance with the law.

7. Processing of personal data

The Bank processed data either manually or automatically (automated data processing).Automated data processing is carried out in accordance with the law, for the purpose of fulfilling contractual obligations, with the explicit consent of the person whose data is being processed or in accordance with the legitimate interests of the Bank. The Bank enables individuals to exercise the right to object to automated data processing. The objection may be submitted to either the initial or further processing of personal data, at any time.

8. Right to submit requests and complaints

Upon the written request of an individual, no later than 15 days from the date of submission of the request, the Bank is obliged to provide notification of whether personal data relating to that individual is being processed. If personal data is being processed, the written notification shall contain information on: the name and address of the Bank; the content of the data being processed; the purpose and legal basis for the processing of personal data; the source of the data according to available information; the third party, i.e. the user; and the method of automated data processing.Upon written request of the person whose personal data is being processed, within 15 days from the date of submission of the request, the Bank is obliged to: supplement incomplete or amend, or delete inaccurate personal data; delete personal data, if its processing is not in accordance with the law. The Bank shall notify the person to whom the personal data relate of the completed supplement, amendment and deletion of personal data within eight days. Should the Bank fail to act in the described manner or reject the request, the person has the right to file a complaint with the Bank or to request protection of rights with the Agency for Personal Data Protection and Free Access to Information.
The complaint shall be submitted in writing to the address: Universal Capital Bank AD Podgorica, Ulica Stanka Dragojevića bb, 81000 Podgorica (with the indication: Attn: Compliance Officer) or to the e-mail: prigovori@ucbank.me.
The complaint shall contain: name and surname, address and telephone number; description of the disputed event/situation/circumstances; appropriate documentation (if applicable). The Bank is obliged to respond to the complainant within a reasonable time, and no later than eight days from the date of receipt of the complaint.
A person who believes that their rights prescribed by the Law on Personal Data Protection have been violated may submit a request for protection of rights to the Agency for Personal Data Protection and Free Access to Information.