Website terms of use

Terms of use of the website (“Terms”)

Please read these Terms carefully before proceeding to use the website (the “Site”). By entering and/or using the Site, you agree to the Terms specified below.

The Site is owned by PPF banka a. s., a company incorporated and existing under the laws of the Czech Republic, having its registered office at Praha 6, Evropská 2690/17, Post Code 160 41, Czech Republic (“PPFB”). PPFB may change or amend these Terms from time to time without prior notice. Accordingly, please continue to review these Terms whenever accessing or using the Site. Your use of the Site after the implementation of modifications to these Terms will constitute your acceptance of the Terms as modified. If, at any time, you do not wish to accept the Terms, you may not use the Site. PPFB expressly rejects any terms and conditions proposed by you which are in addition to or in conflict with these Terms; any such terms and conditions shall be of no force or effect.

The present Terms are in effect from 1.11.2017

Use of the Site's content

PPFB is the holder of all copyrights to the Site and its content including texts, graphic design, technical drawings, graphics, images and/or photographs posted on the Site and all copyrights to the selection and arrangement of files posted on the Site (the “Content”). Regardless of the aforesaid, certain materials or texts posted by PPFB on the Site (including but not limited to trademarks, logos etc.) may be the property of third parties and may be protected under relevant legal regulations on the protection of intellectual property rights.

The entire Content of the Site including photographs and the PPFB logo posted on the Site is protected under Act No. 121/2000 Coll., on copyright, on rights related with copyright, and amending certain acts (the Copyright Act), as amended.

It is forbidden to:
  • use the Site and its Content for any purposes other than exclusively personal and non-commercial;
  • duplicate, alter, modify, rearrange or otherwise tamper with the Content, including but not limited to the PPFB logo and the photographs, and disseminate any such altered, modified, rearranged or otherwise affected photographs.

Regardless of the aforesaid, it is expressly permitted to use the information which is posted on the Site in accordance with the prudential regulation (e.g. p/l results, annual or mid-year reports, other reports and documents with informative character to be disclosed under the Act No. 21/1992 Coll., on banks, as amended, the Act No. 256/2004, capital market undertakings act, as amended, and following decrees and provisions of the Czech National Bank).

You may retrieve and display the Content of the Site on a computer or mobile device (telephone, tablet) screen, print individual pages on paper (but not photocopy them) and store such pages in electronic form on disk or on your mobile device (but not on any server or other storage device connected to a network) for your personal, non-commercial use only.

Except as expressly set out above, you may not reproduce, modify or in any way commercially exploit any of the Content. In particular, but without limiting the general application of the restrictions contained in the previous sentence, you may not do any of the following without prior written consent from PPFB:

  • redistribute, retransmit, republish any of the Content (including by using it as part of any library, archive or similar service)
  • remove the copyright or trademark notice from any copies of Content made under these Terms
  • create a database in electronic or structured manual form by systematically downloading and storing all or any of the Content.

When using the Site, you shall not disturb the security, integrity and in general the operation of the Site, use the Site to transmit harmful files, or try to access non-public parts of the Site if any. You are furthermore obligated to respect PPFB's copyright to the Site and third-party rights to materials and texts posted by PPFB on the Site (including but not limited to trademarks, logos etc.), which constitute the property of third parties and are protected under relevant laws on the protection of intellectual property rights.

It is forbidden to interfere in any way into the technical substance or content of the Site without the consent of PPFB. Only PPFB has the right to decide to change, remove or add of any part of the Site.

Requests to republish or redistribute Content should be addressed to PPFB at

Limitation of liability

The Content is only for your general information and use and is not intended to address your particular requirements. In particular, the Content does not constitute any form of advice, recommendation or arrangement by PPFB, does not constitute an offer to conclude any contract or transaction and is not intended to be relied upon by users in making (or refraining from making) any specific investment or any other decisions. Some information published on the Site might be delayed compared to online market data and are only indicative. You are fully liable for any risk arising out of your use of the Site. Any arrangements, made between you and any third party based on the Content of the Site, are at your sole risk and responsibility.

Because of the number of sources from which PPFB obtains Content and the nature of electronic distribution via the Internet, PPFB does not give any warranties in respect of the Site, Content, software or services available through the Site (collectively “Site Services”). In particular, Site Services are provided on an “as is”, “with all faults” and “as available” basis. To the extent allowed by applicable law, PPFB hereby disclaims all warranties, conditions or duties of any nature whatsoever, including without limitation any warranties of fitness for a particular purpose, any express or statutory warranties, and any warranties or duties regarding accuracy, timeliness and completeness of the Content and Site Services.


The Site contains links to other World Wide Web sites provided by independent third parties (“Third Party Sites”), either directly or through frames. When visiting Third Party Sites you should learn their terms of use. PPFB is not responsible for the rules or processes of other entities or for the availability or content of linked Third Party Sites, and will not be a party to, or in any way responsible for, any transaction concerning goods or services available from such Third Party Sites.

The Site may contain links to other World Wide Web sites provided by entities controlled by, in control of, under common control with, or otherwise affiliated with, PPFB (collectively “Affiliated Companies” and “Affiliated Companies' Sites”). When visiting any Affiliated Company's Site, you should learn its terms of use. For the avoidance of doubt, PPFB is not responsible for the availability or content of Affiliated Companies' Sites and will not be a party to, or in any way responsible for, any transaction concerning goods or services available from such Affiliated Companies' Sites.

Personal information and dissemination of business-related communication

You are not required to provide your personal information or electronic address to PPFB in connection with your access to the Site.

If you provide PPFB with your electronic address you agree (i) for PPFB or Affiliated Companies to use such address for communication with you and (ii) for PPFB or Affiliated Companies to disseminate business-related communication in the form of marketing materials, invitations to seminars, business news etc. (containing information on PPFB or on Affiliated Companies) to you as part of electronic communication. PPFB is not responsible for maintaining and processing of your electronic address by Affiliated Companies.

Your consent is voluntary and you may withdraw your consent at any time by e-mail to


Parts of the Site may contain information from third parties (“Contributors”). Contributors are responsible for ensuring that the material submitted for inclusion on the Site complies with law. PPFB will not be responsible for any error or inaccuracy in the material provided by the Contributors.


Cookies are information files transmitted from a website to the hard disk of a user's computer. Websites use cookies to remember certain information, making the use of the websites much more comfortable for the user.

As a majority of websites, the Site also utilizes cookies for various reasons. For example, PPFB monitors the overall number of visitors to the Site as an anonymous aggregate number.

If you do not wish to receive cookies or if you wish your web browser to inform you any time a cookie is received, please use the settings of your web browser. If you prohibit all cookies, you may not be able to fully utilize all features of the Site.

Third party web beacon

We use third party web beacons by Google to analyze which pages our visitors visit and what they do on our Site. Google may also utilize anonymous information on your visits to the Site and other websites to improve its products and services and to provide advertising for goods and services you might be interested in. You can find more information on this process at

Availability representation

PPFB represents that the objective of the Site is to ensure maximum availability of all of its content and features to all Internet users.

PPFB reserves the right to restrict the access to certain information on the Site and make it possible only to users meeting certain criteria, which PPFB may specify on the Site or which arise from relevant legal regulations, as the case may be. Users who do not meet such criteria must not access such protected information.

Choice of law and jurisdiction

The use of the Site and the present Terms are governed by the law of the Czech Republic. Any disputes arising in relation to the use of the Site or in relation to the present Terms shall be resolved by the locally relevant court in the Czech Republic in accordance with the law of the Czech Republic. Should a dispute arisen in relation to the use of the Site or in relation to the present Terms be filed with a court other than a court of the Czech Republic, such dispute will be referred to a court in the Czech Republic and resolved by it.


You may not assign, sub-license or otherwise transfer any of your rights under these Terms.

If any provision of these Terms is found to be invalid by any court having competent jurisdiction, the invalidity of that provision will not affect the validity of the remaining provisions of these Terms, which shall remain in full force and effect.

Failure by any party to exercise any right or remedy under these Terms does not constitute a waiver of that right or remedy. Headings in the present Terms are for convenience only and will have no legal meaning or effect.