ADRIA FINTECH JOURNAL

A Quarterly Magazine Informing Professionals in the Finance Industry

Publisher: Adria Fintech Advisory d.o.o. 11000 Beograd

Chief Editor: Dr Miodrag Džodžo

Marketing: marketing@adriafintechjournal.com

Media&Photos: www.freepik.com www.pexels.com www.canva.com www.shutterstock.com

Graphic design: Dušan Radulaški

Contact phone: +381 69 1777 100

Privacy Policy

Last Updated: 25.OCT.2025

1. Introduction:

1.1 Who is collecting the data?

ADRIA FINTECH ADVISORY doo Belgrade, Serbia (hereinafter referred to as "the Company") is the data controller. Our registered address is Kapetana Milosa Zunjica 22, 11000 Belgrade.

1.2 What data is being collected?

We collect the following personal information: names, institutional email addresses, telephone numbers, addresses, and IP addresses.

1.3 How is the data collected?

Data is collected through various means, including but not limited to, online forms and the use of cookies.

2. Legal Basis:

2.1 What is the legal basis for processing the data?

The processing of data is carried out based on the explicit consent of the data subjects, contractual necessity, and the legitimate interests pursued by the Company.

3. Information Usage:

3.1 For what purpose is the data being collected?

The data is collected for the purpose of providing magazine subscriptions and facilitating distribution in both physical and digital formats.

3.2 Will the data be shared with any third parties?

The Company shall not share personal data with third parties, except for necessary engagement with postal logistics and distribution services, and for communication purposes via email newsletters and informational updates.

4. User Rights:

4.1 What rights do users have regarding their data?

Users have the right to access, correct, or delete their personal data.

4.2 How can users exercise their rights?

Users can exercise their rights by contacting the Company through the designated email address: dataprivacy@adriafintechjournal.com.

5. Security Measures:

5.1 What measures are in place to protect user data?

The Company has implemented standard security measures, including but not limited to, HTTPS, SSL, and encryption, to safeguard the personal data collected.

6. Cookies and Tracking:

6.1 Are you using cookies or tracking technologies?

Yes, the Company utilizes cookies for tracking purposes, analytics, and assessing the effectiveness of marketing campaigns.

7. Changes to the Privacy Policy:

7.1 How will users be notified of changes to the policy?

Users will be duly notified of any changes to this Privacy Policy through official email correspondence.

8. Contact Information:

8.1 How can users contact you regarding privacy concerns?

Users may contact the Company regarding privacy concerns via email at dataprivacy@adriafintechjournal.com.

9. Compliance:

9.1 How do you comply with data protection laws?

The Company complies with the General Data Protection Regulation (GDPR) and other relevant data protection laws.

10. Additional Considerations:

10.1 For how long is data retained?

Personal data is retained for a period of two (2) years.

10.2 Is there an age restriction for users?

There is no minimum age requirement for users.

Terms&Conditions

1. Definition of Terms:

1.1 Service Definition:

The "Service" provided by Adria Fintech Journal encompasses the distribution of printed and digital magazines and information tailored for finance professionals, focusing on digitalization, IT, and sustainability.

2. User Eligibility:

2.1 Eligibility Requirement:

There are no specific eligibility requirements or age restrictions for users to access Adria Fintech Journal.

3. User Obligations:

3.1 User Obligations:

Users accessing our service are obligated to maintain the confidentiality of purchased digital information, do not redistribute or share digital versions of the magazine, and adhere to password access guidelines.

4. Registration and Accounts:

4.1 Registration Process:

To register or subscribe, users are required to create an account. This involves providing necessary information such as name, contact details, and payment information. Different subscription plans are available, including semi-annual, annual, corporate subscriptions for single or multiple copies, private individuals, and students.

5. Intellectual Property:

5.1 Intellectual Property Handling:

All intellectual property rights for original content belong to Anoa doo Belgrade. Content provided by advertisers or contributors is used exclusively for magazine purposes. Content sourced from Creative Commons or royalty-free platforms is appropriately credited in the impresum.

6. Payment and Subscription:

6.1 Payment and Subscription Terms:

Payment methods include credit cards, other payment platforms, direct debit, SEPA Instant payment, and bank transfer. Subscription plans vary in duration and type, catering to different user categories.

7. Privacy and Data Protection:

7.1 Data Handling:

User data is handled in accordance with our Privacy Policy, available for reference.

8. Termination of Service:

8.1 Termination Conditions:

The service can be terminated by the service provider or user in the case of a breach of stipulations, including the redistribution of content, sharing of passwords, or failure to pay subscriptions.

9. Limitation of Liability:

9.1 Liability Disclaimer:

Adria Fintech Journal disclaims liabilities to the extent permissible by law. This includes, but is not limited to, events such as force majeure.

10. Dispute Resolution:

10.1 Dispute Resolution Process:

Disputes will primarily be resolved through arbitration and mediation.

11. Amendments to Terms:

11.1 Amendments Procedure:

The Terms and Conditions can be amended through a standard procedure, ensuring users are notified of changes.

12. Governing Law:

12.1 Jurisdiction:

The Terms and Conditions fall under the jurisdiction of the Republic of Serbia.

13. Contact Information:

13.1 Contact Details:

Email: marketing@adriafintechjournal.com

Adria Fintech Advisory doo, ul. Kapetana Milosa Zunjica 22, 11000 Beograd

Phone: +381 62 757478