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Legal Notice
Legal Notice
Dear Internet User,
card complete has designed these web pages for your information and entertainment. Experience the world of card complete, find out about our products, make use of the services offered on these web pages and take advantage of the goodies. Please remember, however, that your visit to the card complete Internet pages is subject to the regulations stated here.
By accessing and/or using the information, services, links, functions, applications or programs of this website (hereinafter "Website"), the user agrees to the following conditions. Note: The German language version of these terms and conditions is binding, the English language version is for information purposes only.
Applying for Cards
Card applications can be completed using the provided forms and sent to us by post. They can also be completed on this Website, printed out and sent by post or scanned and sent by e-mail. In either case, the application must show a legally valid signature. As of 2021, it is also possible to complete an application on this Website and submit it to us directly (requires verification by VideoID). card complete reserves the right to accept or reject applications. A card contract only comes into effect when the card is delivered to the cardholder.
Copyright/Trademarks
All content displayed on the card complete Website is, unless expressly stated otherwise, the intellectual property of card complete Service Bank AG and protected by copyright. The trademarks displayed on the card complete Website are protected by trademark law. Neither trademarks nor contents, in particular photos and other graphic representations, may be used in any form without the written permission of card complete Service Bank AG, unless expressly stipulated otherwise. card complete Service Bank AG will take legal action under both civil and criminal law against any unauthorised use, in particular for commercial purposes.
Links
Except in the cases regulated in § 17 of the Austrian E-Commerce Act, card complete accepts no liability for the content of websites or URLs of other operators linked to its own Internet pages. card complete has no influence on the design of those websites. Likewise, card complete cannot be held responsible for the availability or functionality of links to websites or URLs of other operators.
Goodies/Downloads
The card complete Website offers various data sets for downloading. These offers are exclusively for private and non-commercial use, unless explicitly stated otherwise. Any authorised dissemination of content based on the card complete Website must quote the source.
Warranty/Liability
card complete does not guarantee the actuality, completeness, correctness and accuracy of the content presented. This applies equally to all other websites to which links are provided. All information is presented "as is", i.e. relates to the date of publication and may change at any time without prior notice. Furthermore, unintentional infringement of third party rights cannot be ruled out. card complete does not assume liability for any loss or damage resulting from these web pages, unless persons associated with card complete are responsible for such loss or damage through intention or gross negligence.
Other Information
card complete reserves the right to make changes or additions at any time to the information provided, in particular, to change or remove existing content in whole or in part, to add new content, and to change these terms of use. card complete reserves all rights not expressly mentioned in these terms of use in connection with the card complete web pages, as well as the right to restrict access to these web pages. Disputes arising from these provisions shall be governed exclusively by Austrian law.
The place of jurisdiction shall be Vienna Innere Stadt, unless a dispute is a consumer transaction pursuant to § 1 KSchG. Pursuant to Sections 88, 89, 93 (2) and 104 (1) JN, if the consumer is domiciled, habitually resident, or employed in Austria, any action against him/her falls solely under the jurisdiction of the court in whose district the domicile, habitual residence or place of employment is located; this shall not apply to legal disputes which have already arisen.
If any provision of these terms of use is determined to be invalid, it shall not affect the validity of the rest of the terms of use. Rather, the invalid term shall be modified so that it is valid and, as fully as possible, reflects the original economic intent and purpose.
Our official language of contracts, orders and business is German. Warranties are provided in accordance with statutory provisions. Prices quoted are current prices, valid until further notice, and include all taxes and duties. The unit of account is euro.
Information and complaints at: impressum@cardcomplete.com
If our service is not to your complete satisfaction, you can contact the independent ombudsman's office of the Austrian Retail Association: Trustmark Austria Ombudsstelle Handelsverband, 1080, Vienna, Alser Straße 45, www.handelsverband.at/trustmark-austria/ombudsstelle/.
Voluntary Codes of Conduct: Trustmark Austria, European Trustmark
Disclosure pursuant to Article 65a of the Austrian Banking Act
Article 65a of the Austrian Banking Act requires card complete Service Bank AG to explain on its website how it complies with the provisions of Articles 5 (1) 6 to 9a, 28a (5) 1 to 5, 29, 39b, 39c, 64 (1) 18 and 19, and the Annex to Article 39b.
1. Information on compliance with Article 5 (1) 6 to 9a of the Austrian Banking Act and Article 28a (5) 1 to 5 of the Austrian Banking Act (Fit & Proper)
These provisions define requirements to be met in respect of personal integrity, professional qualifications, necessary experience and sufficient time-based availability of members of a supervisory board and of a management board (“Fit & Proper requirements”). To ensure compliance with the legal requirements, card complete Service Bank AG has introduced a Fit & Proper Process. The Fit & Proper Process defines, among other things, the strategy applied in selecting members of its Supervisory Board and its Management Board, and the process for assessing the qualifications of Supervisory Board and Management Board members.
Before each appointment or reappointment of a member of the Management Board or Supervisory Board or a holder of a key function, their professional suitability and personal reliability are checked and documented in accordance with legal requirements. A corresponding survey is also carried out for existing functions. The information and documents to be submitted by the member of the Management Board or Supervisory Board to be appointed or the holder of key functions are used to assess suitability. The Financial Market Authority is notified of the appointment of members of the Management Board and Supervisory Board, together with the assessment documents, in accordance with the statutory provisions. Regular training and further training measures ensure ongoing suitability.
2. Information on compliance with Article 29 of the Austrian Banking Act (Nominations Committee)
The establishment of a nomination committee pursuant to Article 29 BWG is not required as the credit institution is not of material significance within the meaning of Article 5 (4) BWG.
3. Information on compliance with Articles 39b and 39c of the Austrian Banking Act and with the Annex to Article 39b of the Austrian Banking Act (remuneration policy)
The establishment of a Remuneration Committee pursuant to Article 39c BWG is not required as the credit institution is not of material significance within the meaning of Article 5 (4) BWG. The Committee for Remuneration Matters, which was set up voluntarily, was assigned the tasks necessary to comply with the provisions of Article 39b including the annex.
§ 39b BWG
The principles of the remuneration policy and practices of card complete Service Bank AG are fully in line with the provisions laid down in the Article 39b of the Austrian Banking Act and in the Annex to Article 39b. The basic framework and the minimum standards of UniCredit Group are set within the Group remuneration policy, following the directives (CRD V and CRRII) and guidelines (EBA GL on Sound Remuneration Policies, EBA GL on Internal Governance) published on EU level.
With the aim of ensuring compliance with legal requirements in Austria, the Group remuneration policy has been implemented on a local level by card complete Service Bank AG and provisions set within the Articles of the Austrian Banking Act (Articles 39b and Annex to Article 39b) have been directly implemented and followed. The remuneration policy of card complete Service Bank AG is reviewed on an annual basis and approved by the Management Board and the Remuneration Committee of card complete Service Bank AG. card complete Service Bank AG identifies material risk takers periodically and sets up a list on an ex-ante and ex-post basis. The ex-post list is composed based on the year-end check.
Special provisions are applied to material risk takers. Provisions are made for part of the variable remuneration for this group of employees in conformity with requirements specified by national supervisory authorities. In this context, appropriate instruments are used (UniCredit shares and Phantom Shares).
The Remuneration Committee approves the payment of any variable remuneration in conformitywith legal regulations.
Decisions made in this context are based on the assessment of the levels of capital and liquidity, as well as the annual performance results of the entity. In addition, the material risk takers’ tasks, the company’s position, customary levels of remuneration in the market, and regulatory requirements are assessed.
card complete Service Bank AG steers the implementation of the mentioned remuneration policy and practices also in its subsidiaries in Austria.
4. Information on Article 64 (1) 18 and 19 of the Austrian Banking Act
Financial information listed in § 64 Abs.1 Z19 are evident in the Annual Report of card complete Service Bank AG, whose publication take place within the publication of the financial statements.
