PRIVACY RULES
of FULM Savings House DOO Skopje
GENERAL TERMS

(1) These Privacy rules explain the manner in which FULM Savings House collects, uses and discloses information collected from users when visiting and/or using the internet services of the Savings House www.fulm.com.mk, the mobile application and all other online services that the Savings House offers. It also determines how you can contact us if you have any questions or concerns about this information.

(2) These Rules are divided into several chapters:
1. What information is collected
2. How information is collected
3. How information is used
4. How we protect your information
5. Marketing
6. Access to your information and your rights
7. What are “cookies”? How are they used and how you can manage them?
8. Third parties
9. Changes to this Privacy rules
10. Contact

1. What information is collected
 Personal information, information that you use to identify yourself when using the Savings House products and services, that is, information that you have submitted and agreed to be processed.
 The service, product or server records that contain technical information about your use of the service, product, such as your IP address, domain, type of device, as well as technical information about the connection you use such as the operating system, the Internet service providers or application settings, errors and hardware activity. Information about the physical location of your device. For example, when you use the close to me service and have agreed to share your location.

2. How information is collected
FULM Savings House collects information from its customers when they visit the website, its mobile application or any other online services offered by the Savings House. The client shares personal information with the Savings House when s/he becomes a customer, registers or uses the electronic banking services of the Savings House.
The Savings House can collect personal and non-personal information from users in various ways about the activities, services, opportunities, or resources available on the website, the mobile application or any other online service. The Savings House collects personal information from users only if they voluntarily submit the information to the Savings House.

3. How information is used
FULM Savings House will to the extent legally permitted use the information to provide customers with better services and products, provide customer care, and help with complaints or problems regarding the use of products and services.
The Savings House has the right to check the settings on the mobile device that the user has accepted at the moment of downloading the application, when signing in or using the mobile payment application.

4. How we protect your information
The Savings House undertakes all prescribed technical and organizational measures for the protection of personal information and for the prevention of unauthorized access and its misuse. Personal information is collected in a legal and ethical manner for specific, explicit and legal purposes and is kept safe and only for a period envisaged for meeting the objectives of collection and processing of the same.

5. Marketing
When concluding a business relationship with the Savings House for the use of products and services, you have the option to choose whether you agree for your personal information to be used for the purposes of direct marketing. For example, these communications may contain information on the latest products and services from the Savings House. You may cancel the receiving of advertising material at any time by submitting a written request to the Savings House.

6. Access to your information and your rights
If you wish to make changes, additions, deletion or update of your personal information, you can contact the Savings House branches. If you want to find out which categories of your personal information are processed by the Savings Bank, for which purpose or you want to request stopping of the processing, please contact the Savings House branches. If you believe that we have not acted upon your personal information processing in accordance with your legal rights, you can contact the Savings House branches.

7. What are “cookies”? How are they used and how you can manage them?
“Cookies“are text files placed on your computer to collect standard Internet log information and visitor behavior information. For example, these technologies reveal which users clicked on important elements (such as links). The use of these technologies is done exclusively in order to improve the user experience and functionality of the website, mobile application and other forms of online services offered by the Savings House. You can set your web browser to refuse “cookies”, however, as a result some parts of the website may not function properly.

8. Third parties
Users may find advertising or other content on the website, mobile application and other forms of online services from third parties. The Savings House does not control the content or links that appear on these sites and is not responsible for the practices of these parties. These sites and services are subject to change and may have their own policies and rules on privacy and customer services. Interaction with these third parties is subject to their own websites.

9. Changes to this Privacy rules
The Savings House has the discretion to update these Privacy rules at any time. Changing the Rules is the result of changes in applicable legislation or according to the best international practices, if necessary. Upon change, all affected parties will be regularly notified of their content.

10. Contact
If you have any comments, questions or concerns about these Privacy rules when using the web-site, mobile application or any other online service that the Savings House offers, please contact us at:
apps@fulm.com.mk