1. The user of pages and services provided by the www.hba.gr web site (henceforth the "Site") accepts the following usage terms and conditions, which apply for all the contents of the Site.
The User ought to abide by the rules of Greek and International Law and refrain from any and all illegal and unethical use of the Site.

2. Without prejudice to third parties' copyright, the Hellenic Bank Association (henceforth the "HBA") holds the copyright for all Site contents including images, graphs, photographs, designs, texts and all files in general.
Reproduction and republication of Site contents are permitted provided that the source will be mentioned, except when stated otherwise.
When prior authorization is required for reproduction or republication, this authorization invalidates the aforementioned general authorization and expressly states any usage restrictions.

3. The HBA makes every effort to ensure that information and data included in the Site are accurate and complete.
However the HBA bears no responsibility whatsoever for any errors or omissions and reserves its right to alter the Site whenever it deems necessary, without prior notice.
The HBA bears no responsibility whatsoever for any damages and liabilities arising out of the User's use of the Site or information contained herein.
The HBA bears no responsibility whatsoever for any loss of information sent through the Site.
The HBA bears no responsibility whatsoever for the contents of third parties' web sites linked to the Site.
The HBA tries to keep its Site safe for Users but does not guarantee that all programs or information contained in its Site are free of destructive codes - viruses or other features that are likely to cause damage to the User's computer system. It is the sole responsibility of the User to use anti-virus software and secure his/her information and IT system.

4. In order for the User to be included in newsletters' mailing lists, the HBA maintains a record of recipients' personal data and electronic addresses, under the provisions of legislation on the protection of personal data.
The Site may use cookies to identify the User of certain services and web pages. Cookies are small text files that are stored in the hard disk of the User's computer and do not read any file whatsoever contained in his/her computer. They are used for statistical purposes, in order to distinguish the most useful and popular areas of the Site.
The IP address, through which the computer gains access to the net and the Site, is used solely to build up statistical data.