TERMS OF USE OF THE SURVEY AND PRIVACY POLICY

1. The research platform buychat.me exists in two forms: as a website and as a mobile application. The purpose of the platform is to conduct public surveys in an efficient and transparent manner. Buy Chat d.o.o. is an apolitical society and has no ideological position or approach to any issue covered by the polls.

2. Buy Chat d.o.o. has fully implemented the European Data Protection Regulation 2016/679 (hereinafter: GDPR). Therefore, before participating in the survey, users are familiar with these Survey Terms of Use and Privacy Policy and are given the express opportunity to decide whether to agree with them or not.

3. The privacy policy explains what types of personal data are processed and for what purpose, as well as all other relevant information. Users can use the survey platform anonymously; it is up to them to discover their identity. All statistics and information on our website are for information purposes only and Buy Chat d.o.o. assumes no responsibility for any consequences due to misinterpretation.

4. The survey is prepared, organized and conducted by the company Buy Chat d.o.o., OIB: 20406323095, Av. Dubrovnik 15, Zagreb, using the research software 1KA. The survey was communicated via the following channels: e-mail, SMS, websites, Google Ads platforms and the social network Facebook.

5. The purpose of the survey is to investigate the individual and social consequences of using a loan with a variable interest rate in CHF. The survey is conducted for the purpose of media and academic research. E-mail addresses and telephone numbers for the purpose of conducting this survey are collected from publicly available sources and are automatically generated and are not provided to third parties. Respondents participate in it anonymously and in accordance with these Terms of Use of the survey and the privacy policy, which they must agree to if they wish to participate in the survey.

6. Individual responses, results and other information provided by users will not be published or visible to other users anywhere, but will serve exclusively for statistical purposes; only aggregated statistics are published. Data collected during the survey is kept until its completion and is not disclosed outside the EU. No third party has access to the back-end framework or the collected data.

7. The website uses cookies to ensure a better and safer user experience. The user is offered information about their content and a request for express consent for their use when accessing the website for the first time. This data is used only for website traffic analysis which is necessary to optimize website performance. The data is not allocated to third parties for advertising purposes or for any other purpose unrelated to the website.

8. Buy Chat d.o.o. is an apolitical organization and has no political stance on any of the issues covered in the polls. The results of the survey do not have to correspond to the real preferences of the respondents nor represent a representative sample of loan users, since the respondents participate in the survey voluntarily, anonymously and at their own discretion.

9. Since our survey is conducted online, survey participants from countries outside the EU send their data directly to our server in the EU. Buy Chat d.o.o. hereby undertakes to comply with the GDPR data protection regulations and to adhere to its data processing standards for all participants within and outside the EU. This includes the processing of anonymous data as described above and the implementation of appropriate technical and organizational measures to ensure that all personal data of natural persons is protected. Furthermore, we comply with EU Directive 2002/58/EC, which states that the use and processing of any type of electronic data from countries outside the EU to EU countries must be in accordance with the aforementioned legislation within the EU.

10. Buy Chat d.o.o. reserves the right to modify, limit or withdraw from the survey at any time. All statistics and information on our website are informative, and Buy Chat d.o.o. assumes no responsibility for any consequences of misinterpretation.

11. Personal data that respondents may voluntarily provide during the survey (name, surname, telephone number, e-mail address) as well as any documentation submitted later and data possibly collected during a telephone conversation are collected for the purpose of establishing a business relationship or providing services and are stored during the business relationship and for 5 years after the end of the business relationship. Personal data may be provided to our business partners and associates who assist us or cooperate with us in providing services. The provision of this data is a contractual obligation, i.e. it is necessary for the provision of services. The collected data is not exported outside the EU.

12. On the basis of legitimate interest and for the purpose of establishing a business relationship, i.e. for the purpose of providing services, telephone conversations with customers can be recorded and used for the purpose of improving the quality of our employees' work, resolving potential customer complaints and documenting statements relevant to business relations, about which users are informed before the start of the conversation

13. Persons who provide personal data and/or documentation relating to third parties for the purpose of completing a survey or providing services, by agreeing to these Survey Terms of Use and Privacy Policy, expressly confirm and warrant that such data is lawfully processed and provided with the consent of the persons to whom such data relates. Furthermore, they confirm that all persons whose personal data is provided are fully aware of these Survey Terms of Use and Privacy Policy.

14. In the event of legal disputes regarding privacy policies, the relevant law of the Republic of Croatia and the EU shall apply.

15. Data subjects have the right to access their personal data, the right to rectification or erasure of personal data or restriction of processing, as well as the right to object to processing and the right to data portability. Data subjects also have the right to lodge a complaint with a supervisory authority. To exercise your rights and for any additional information, please contact the Data Protection Officer. [email protected]

I agree to participate in the survey in accordance with the Survey Terms of Use and Privacy Policy.