Terms of use

All persons (the "Users" or individually a "User") visiting the website www.homecredit.eu (the "Site") are required to read through and acquaint themselves with this document prior to proceeding to use the Site. Access to and use of the Site by a User is deemed to represent the User's consent to these Terms of Use and any amendments thereto.
These Terms of Use regulate the rights and obligations of the Operator and the Users regarding the use of the Site. 
The Site is owned and operated by Home Credit International a. s., having its registered office at Evropska 2690/17, Prague 6, Postal Code 160 41, Czech Republic, recorded in the Commercial Register of the Municipal Court in Prague, Section B, Entry No 2201, Corporate ID: 601 92 666 (the "Operator"), which is authorised to exercise the ownership and intellectual property rights to the Site.

Forward-looking statements

This Site may contain projections, estimates, forecasts, targets, opinions, prospects, results, returns and forward-looking statements (“forward-looking statements”). Any forward-looking statements involve material assumptions and subjective judgements which may or may not prove to be correct and there can be no assurance that any of the matters set out in forward looking statements will actually occur or will be realised or are complete or accurate. The assumptions may prove to be incorrect and involve known and unknown risks, uncertainties, contingencies and other important factors, many of which are outside the control of companies referred to herein. Any forward-looking statement on this Site is made as at the specific date and cannot be relied upon as a guide to future performance. Actual achievements, results, performance or other future events or conditions may differ materially from those stated, implied and/or reflected in any forward-looking statements due to a variety of risks, uncertainties and other factors. None of the companies referred to on this Site is under obligation, and do not intend, to update any information or forward looking statements contained in this Site.

Alternative Performance measures

On this Site, certain financial data and measures are presented which are not calculated pursuant to any accounting standard and which are therefore alternative performance measure. These financial data and measures are, among others, Adjusted RoAE, Adjusted RoAA, NPL ratio, NPL coverage ratio and Net interest margin. All alternative performance measures included on this Site are calculated for specified period or as at specified date (as noted in the respective parts of this Site). These alternative performance measures are included to provide Users with further basis, along with standard accounting measures, for measuring the performance of Home Credit companies. Because of the discretion that the management has in defining and calculating these measures, care should be taken in comparing these measures with similar measures used by other companies. Alternative performance measures have limitations as analytical tools, and Users should not consider them in isolation, or as a substitute for analysis of results as reported under statutory accounting standards, and readers should not place any undue reliance on the alternative performance measures.

Codes of third parties

We use third-party web beacons from Google and SiteOne, s.r.o., to analyze the visitors behavior on this site.

Google Analytics
This website uses Google Analytics, a web analytics service provided by Google, Inc. (“Google”). Google Analytics uses “cookies”, which are text files placed on your computer, to help the website analyze how users use the site. The information generated by the cookie about your use of the website (including your IP address) will be transmitted to and stored by Google on servers in the United States . Google will use this information for the purpose of evaluating your use of the website, compiling reports on website activity for website operators and providing other services relating to website activity and internet usage. Google may also transfer this information to third parties where required to do so by law, or where such third parties process the information on Google's behalf. Google will not associate your IP address with any other data held by Google. You may refuse the use of cookies by selecting the appropriate settings on your browser, however please note that if you do this you may not be able to use the full functionality of this website. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.

Detailed information about Google Analytics and privacy can be found at http://www.google.com/intl/en/privacy/privacy-policy.html.

To prevent tracking, you can install add-in to your web browser (http://tools.google.com/dlpage/gaoptout).

Links to Other Sites

The Site may offer links to sites that are not under the Operator's control. If the Users visit any of these linked sites they should review each site's terms of use. The Operator is neither responsible for the policies and practices of other companies nor for the contents of linked third-party sites.

Obligations of Users

When using the Site the Users must not: interfere with the Site's security, integrity and operation in general; use the Site for the transfer of damaging files; or, attempt to enter non-public sections of the Site or access restricted information featured on the Site where the Users do not meet the criteria for accessing this information. The User is further required to observe the Operator's copyrights of this Site and, furthermore, to observe the third parties' rights to material and text posted by the Operator on the Site (including, but not limited to, trademarks, logos etc.) but owned by third parties and which is under the protection of appropriate Acts on the protection of intellectual property rights.


The User is fully liable for any risk for his use of this Site and the Operator does not assume any responsibility or liability for such risk. Specifically, the Operator does not assume any responsibility for the contents of any third-party websites that can be accessed through the Site, nor for any obligations of any persons who offer, provide or mediate services or goods on such sites.
To the maximum extent permissible by applicable laws the Operator shall not be liable for any direct, indirect, incidental or consequential damages, including, without limitation, damages for loss of profits, goodwill, loss of data or other intangible losses arising in connection with the use of the Site.
The contents provided on this Site is intended only for general information and does not represent any form of advice or recommendation. Specifically, the contents of this Site is not intended to be relied upon by Users in making any specific decisions (including investment decisions). 
The Operator does not guarantee the accuracy, correctness, completeness, timeliness or availability of this Site's contents and/or services and does not accept any responsibility (e.g. towards the Users of the Site) in this respect.
The Operator reserves the right to modify the appearance, contents, organization, location and accessibility of the Site at any time without prior notice.
The publication of any data or information on the Site, with the exception of these Terms of Use, will not be considered as an act in law, unless expressly stated otherwise.

Dispute resolution and governing law

The use of this Site and these Terms of Use shall be governed by Czech law.
Any dispute arising in connection with the use of this Site shall be settled before a court with appropriate local jurisdiction in the Czech Republic and in accordance with Czech law. Should any other court besides a Czech court be approached to hear a dispute arising in connection with the use of this Site, such disputes shall be transferred to and settled at one of the courts of the Czech Republic.
Should any provision of these Terms of Use be held invalid or unenforceable for any reason, the invalid or unenforceable provision shall be severable from the remaining provisions and shall not affect the validity or enforceability thereof.

Changes to Terms of Use

The Operator reserves the right to amend, from time to time, these Terms of Use, by republishing the amended wording of these Terms of Use on the Site. For this reason Users should regularly review these Terms of Use for any changes. Use of the Site after the republication of amended Terms of Use is deemed to represent the User's consent with the amended Terms of Use.


Headings used in these Terms of Use are provided solely for ease of use and shall not have any legal meaning or effect.
In case a User disagrees with these Terms of Use (as may be amended from time to time), he/she shall leave the Site and refrain from visiting it in the future.

These Terms of Use shall become valid and effective as of 29 June 2009.

Home Credit International a.s.

Pavel Rozehnal
Chairman of the Board of Directors

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