General business conditions and Confidentiality Statement 

Please read carefully the General Terms and Conditions of using the website www.centarzlata.com and the company Saiva doo for the purpose of purchasing products, obtaining information about individual products and other services offered by the company Saiva doo through the above website. 

By using the website www.centarzlata.com to purchase or collect information about the products on it, along with other services of Saiva doo, you confirm that you are familiar with these General Business Terms and Conditions and that you agree with them. 

The meaning of the terms specified in these general conditions 

  • company - trading company Saiva doo Savska cesta 41/11, Zagreb, Croatia, registered in the court register of the Commercial Court in Zagrebin, OIB 82703642024 
  • Center of Gold - a brand name owned by the Company, and any reference to "Centar Zlata" refers to the company Saiva doo 
  • www.centarzlata.com – a website owned by the trading company Saiva doo 
  • Web-page – www.centarzlata.com 
  • Application - mobile application "Centar Zlata" which is closely connected with the website and the "My portfolio" section. Any reference to the Website also refers to the Application
  • My portfolio - part of the Web page (section) associated with an individual User, and serves to track purchased and subsequently entered products by the User and their value, and to add information about the value of the portfolio
  • User - any person who uses the Website or another service of the Company 
  • The customer – A user who, after reviewing and selecting a product or service, has registered their data and ordered a product or service
  • Wholesale customer – a legal entity that has an open wholesale account with the Company (when mentioning "Customer", the same can also refer to a Wholesale customer) 
  • The client - every person who uses the precious metals storage service or who is a user or customer of other services of the Company 
  • Wholesale account - an account assigned by the Company to a legal entity or business that purchases for resale 
  • Using "centarzlata.com" - access to the website www.centarzlata.com in order to obtain information about its content and/or create a web store 
  • Online shopping or web store - purchase of products through "centarzlata.com" 
  • Receipt of redemption - a form that serves as a document when purchasing precious metals 
  • Safe deposit box provider – a respectable company or bank that provides safe deposit box rental 
  • Storage – the service offered by the Company for the storage of precious metal products 
  • Products - all products that are highlighted on "centarzlata.com", and which can be purchased via the web store. 
  • "Proof" product – is considered the highest quality product produced by a mint. These are mostly coins that, due to their finish and rarity, have a significantly higher value than the precious metal content in them. 
  • Precious metals - 

○ Gold in the form of bars or bars, weights accepted on the precious metals market, purity equal to or greater than 995 thousandths, regardless of whether it is represented by securities or not 

○ Gold coins: a) purity equal to or greater than 900 thousandths b) minted after 1800 c) which are currently or were legal tender in the country of origin d) which are usually sold at a price that does not exceed 80% of the gold value on the open market, contained in coins 

○ Silver a) silver in the form of bars or bars, weights accepted on the precious metals market, purity equal to or greater than 995 thousandths b) silver coins with purity equal to or greater than 833 thousandths 

○ Products of the Croatian Mint 

  • ZSPNFT – Law on Prevention of Money Laundering and Financing of Terrorism 

General provisions 

The website www.centarzlata.com (hereinafter: the Website) is owned by the company Saiva doo (hereinafter the Company). Further information about the company can be found below: 

Title: Saiva doo 

Address: Savska cesta 41/11, Croatia 

OIB: 82703642024 

MBS: 040023263 

Company registered under: Commercial court in Zagreb 

Account opened at: Privredna banka Zagreb dd, Račkoga 6, Zagreb, Croatia 

Bill number: HR123400091117013504 

Share capital: HRK 26.000,00 – paid in full 

Shareholder: Ph.D. Saša Ivanović 

The right to use the website is the User's personal right and cannot be transferred in any way to other natural or legal persons, nor is any User authorized to register other natural or legal persons. The End User is personally responsible for protecting the confidentiality of passwords, in places where they exist as such. The End User is aware of the fact that there are sometimes service interruptions or events beyond the Company's control and accepts that the Company is not responsible for any data loss that may occur during the transmission of information on the Internet. The User agrees and accepts that access to the Website may sometimes be interrupted, temporarily unavailable or disabled. 

The customer can only be an adult and capable of doing business. Contracts can be concluded in the name and on behalf of minors or persons completely incapable of business by their legal representatives, and persons partially capable of business may conclude contracts only with the consent of their legal representatives. The Company bears no responsibility for any conduct contrary to this provision. 

The Company may deny service to any User at any time. The Company reserves the right to immediately terminate any User's passwords or user accounts in the event of any User behavior that the Company, at its discretion, considers unacceptable, as well as in any case of non-compliance with the General Terms of Business by the User. 

A wholesale invoice can be obtained by a legal entity or a business that the Company determines will carry out further sales of products purchased from the Company. 

Legal entities that have a wholesale account on the website www.centarzlata.com are subject to the Law on Obligatory Relations and the Law on Electronic Commerce, and the Law on Consumer Protection does not apply to them. 

Modification of general conditions 

The company is authorized to change the content of these General Terms and Conditions, the range of products, other information related to the Website, as well as all other content on the condition of public publication on the Website, without prior notice. Users are obliged to review the content of the website before each visit. 

Intellectual property 

The company is the owner of all content published on the website. The above contents may only be used for private and non-commercial purposes and may not be copied, reproduced or distributed in any way without the written consent of the Company. Downloading precious metal prices from the Website for commercial purposes is not permitted. If the content is used for private and non-commercial purposes, all liability warnings must be transferred and ”Source: www.centarzlata.com” must be mentioned. 

When using the website, Users are obliged to provide accurate, valid and complete personal data, especially when filling out the registration form. The opposite action authorizes the Company to deny such a user access to or the realization of all or part of the services or Products offered by the Company. 

Limitation of liability 

The Company fully disclaims any responsibility for the accuracy and/or completeness of any information and content found on the website. The company all materials, photos and text are placed on the website in good faith to make it easier for the User and the Customer to make a choice when shopping. The company does not guarantee that the product photos fully correspond to the appearance of the product itself. The Company is not responsible for possible unintentional errors in the product description. Differences between the actual product and the photo of the product and the described product on the Company's website are possible, if the manufacturer changes any of the characteristics or content of the product. All descriptions are regularly and thoroughly checked. 

The published data on the purchase and sale prices of precious metals are of an informative nature and therefore do not mean an offer or an invitation to make offers under the published conditions. The only valid price is the one from the official offer issued at the Customer's request, except when due to a drop in the precious metal price quotation service, an offer is issued for products with precious metals below their value in terms of the share of precious metal in the product or below their purchase value. 

The Company is not responsible for any content that a User, subscriber or unauthorized user may post on the Website. 

The company fully disclaims any responsibility that may arise in any way or is in any way related to the use of the Website and for any damage that may occur to the User, the Customer or any third party in connection with the use or misuse of the content. Web pages.

The company does not assume responsibility for the content, availability, operation, legality and truthfulness of the content on the website. Also, the Company does not assume responsibility for possible damage that may occur due to the impossibility of accessing the Website. 

In the event that the partner company has problems and the Company is unable to connect or get in contact with the partner, the Company does not assume responsibility for possible damage. 

Product condition 

When selling investment gold and silver, as well as other products that fall under the category of collectibles, the Buyer is aware that in most cases the products are not new, and that they may have traces of use. The Company will indicate possible defects on the Products that will significantly affect the value of the Product, and the Customer confirms that he is aware of the condition of the Product by adding it to the Cart. 

Fees and product prices 

The company determines the prices of Precious Metal Products according to the current spot price of precious metals quoted on the world's largest precious metal exchanges, and the product prices on the Website change every few minutes. 

The company reserves the right to change the above conditions on the offer without changing these General Business Terms and Conditions at a time of increased volatility on the precious metals market, and the valid conditions are those that the Buyer received on the offer and to his email address, unless due to technical difficulties or a server crash in at the moment of the order, the price of the product in the basket falls below the purchase price at which the Company procures the product, the Company reserves the right to inform the customer of the error and of the termination of the validity of the offer. Also, the Company is obliged to respect the Customer's decision to withdraw from the offer if the new/corrected price does not suit him and undertakes to return the funds paid within 24 hours from the moment of the Customer's disagreement with the new and corrected price. 

Purchase via the online store 

For the purchase of precious metals through the Company's website, all provisions of these General Terms and Conditions apply. The customer selects products in the basket on the website, and login/registration is not necessary. 

For wholesale customers, you need to log in to your profile to display preferential prices. 

Prices are adjusted to the stock exchange price, therefore the price at the time of placing the product in the shopping cart may differ from the price valid at the time of purchase confirmation. The valid price is the one that was valid when confirming the purchase (click on the "Order" field). The customer can freely add or remove products from the cart until the purchase is confirmed. Before confirming the purchase, the Buyer without an approved Wholesale account must fill in personal data, agree to these General Terms and Conditions, and fill in other data necessary for the implementation of the ZSPNFT. By confirming the purchase (by clicking on the "Order" field, etc.), a contract is concluded between the Customer and the Company. By confirming the purchase, the customer confirms that he agrees with the price(s) that was published in the price list of the Web store at that time. 

Once the Buyer, who does not have an approved Wholesale Account, has received confirmation that the order has been received, the following rules apply: 

  • The offer is valid for 1 hour from the moment the order is made or until the price of the product increases by more than 0,3%; 
  • If the payment is made through a bank transaction, it must be sent to the email address within the above-mentioned period [email protected] send payment confirmation (in the form of a picture, PDF, forwarded e-mail from the bank or just a text confirmation that the payment has been made). Once the confirmation is sent, the price is fixed; 
  • If due to the daily/monthly limit the buyer is unable to make the payment in full, it is possible to pay a minimum of 10% of the order value in order to fix the price, and the deadline for payment of the remaining amount is 5 working days. 

If the Wholesale customer with approved wholesale prices confirms the order by clicking on the "Order" field, the order is considered binding and cannot be revoked, and it is subject to the application of the Law on Obligations and the Law on Electronic Commerce. 

The purchase will be considered completed only when the entire amount from the offer is visible on the Company's business account, when the Buyer agrees with the Company on the method of collection, delivery or storage of the purchased goods, and when the Company collects all information from the Buyer in order to be able to carry out all actions related to ZSPNFT. 

Mandatory data for application and registration are as follows: 

  • Name 
  • Surname 
  • HI B
  • E-mail address 
  • Phone 
  • Earth 
  • Home adress 
  • City 
  • Zip Code 
  • Password 
  • Statement on political exposure 

If the Customer prevents the implementation of all necessary actions related to the ZSPNFT, the Company has the right to start charging a lien fee in the amount of 10 euros per day after 10 days from the payment of part or all of the amount from the offer. 

If the Company did not specify the exact year of minting in the name or description of the Product name, the Customer will be delivered the first available Product of the same name and specifications. 

After completing the purchase via the Website, all purchased products will be saved in the "My Portfolio" section, which the User can access later by logging in to the Website. Products in the "My Portfolio" section can be updated by the User at any time at their own discretion.

Payment methods 

  • Burmese 

The customer makes the payment by bank transfer according to the instructions below: recipient: Saiva doo, Savska cesta 41/11, Zagreb, Croatia: 

Bank accounts: 

Privredna banka Zagreb – HR5623400091510544137 

Erste Bank – HR2524020061100978096 

Raiffeisen bank - HR5424840081135186206 

Reference number: HR00 – offer number 

Description of payment: Payment per order number (offer number) 

  • Withdrawal in cash when picking up the product from the delivery person (only available for some products) 

Cash on delivery allows orders to be settled upon delivery to the specified address. Cash on delivery is not possible when picking up the goods in person at our warehouse. Cash on delivery payment is made exclusively in cash, to the delivery person at the time of delivery to the specified address. In case the recipient is not able to receive the shipment at the defined delivery address at the time of delivery, the delivery person leaves a notification about the arrival of the shipment. 

  • Visa, Mastercard, Maestro cards 

By choosing to pay by card, on the secure pages of the WSPay payment system, the Customer enters the data from his card and other necessary data. The maximum order amount that can be paid by card is 1.200 euros (9.041,40 HRK). 

  • Cryptocurrencies 

If the option of payment via cryptocurrency is selected, the Customer will be taken to page of the Paycek service (Electrocoin doo company), and will make the payment through the specified service. 

Download 

The company offers several options for downloading the purchased Products: 

  • Delivery by delivery service 
  • Pickup at one of the Company's offices 
  • Product delivery via security service 
  • Storage in the Company's safes 

The company is not able to provide all the listed delivery methods for all purchased products, and the delivery methods will differ depending on the Products in the basket and their values. 

Due to the high value of the product, which carries with it a certain risk of robbery, and in order to protect its employees and/or to comply with contractual obligations with the insurance company, the Company reserves the right in extraordinary situations to deny any of the above-mentioned possibilities of taking over the Product after the Customer has ordered and paid for, and will offer other pickup options. 

Once all the necessary information has been provided to the Company, the Company is obliged to allow the Customer to download the Product in the shortest possible time, depending on availability. 

Product, and the longest within the legal term of 45 days from when the Customer's payment to the Company's account was registered. 

In case of extraordinary situations such as shutdown of smelters, natural disasters or other extraordinary situations, the Company will notify the Customer of the extended delivery period, and the Customer may terminate the contract with penalties of 15% of the total order amount. The company has fulfilled the obligation to hand over the Product to the Customer when it delivers the Product to him personally or through an intermediary or hands over the document by which the Product can be taken over. Instead of the Buyer, the Product can be taken over by a person authorized by the Buyer to do so on the basis of a special power of attorney certified by a notary public or by means of other documents that the Company will determine. 

The company undertakes to deliver the Product to the Customer in good condition or, in the case of damaged products, in the condition described on the Website. When handing over the Product to the Company's branch, the Customer is obliged to inspect the Product and immediately notify the Company of any defects. By picking up the Product at the Company's branch, the Customer agrees to the condition of the Product and has no right to a subsequent return of the Product. 

In the case of picking up the Product at the address of the Buyer's choice, the Buyer is obliged to inform the Company of any possible defect in the Product within 24 hours of delivery and to deliver the Product at its own expense to the Company at the address of the headquarters so that the Company can check the Product. 

The Company is not obliged to deliver the Product if the Customer has not paid the price of the Product in full or does not pay the price at the same time or is not ready to do so at the same time as delivering the Product. If the Buyer, without justifiable reason, refuses to take over the Product, the delivery of which has been made possible in the agreed manner and on time, the Company can send the Product to the Buyer's address if the price has been fully paid in advance and if the Buyer receives the shipment in question, it is considered that the Product has been properly delivered to him. delivered, and in that case the Buyer is obliged to pay extraordinary delivery costs, provided that the collection was contracted at the company's office or in some other way that was exempt from payment of delivery. If the Customer has paid the entire amount from the offer and the company has issued an invoice for that Product and delivery to the Customer's address, and the Product is returned to the Company because the delivery of the product to the Customer failed, the Company will try to contact the Customer and arrange to resend the Product. The Buyer is obliged to pay the Company the requested amount of the delivery price, and the Company reserves the right to keep the product until the Buyer pays the delivery amount. 

If the Company fails to get in touch with the Customer within 30 days of receiving payment for the Product, the Company will start charging a demurrage fee in the amount of 10 euros per day, and if the Customer does not contact the Company within 4 months of receiving payment 

to the Company's account, the Customer will be considered to have abandoned the purchase, and the Company will retain the product as well as the entire amount paid to its business account. 

The Company will not hand over the Products to the Customer until the entire amount of the debt related to the storage costs has been settled. 

Delivery, delivery process and insurance 

Delivery is carried out by the Company by hiring a delivery service, a security service or in emergency situations through its own employees. 

The products will be packed so that they cannot be damaged by normal handling during transport. When taking over the Product, the customer is obliged to check for possible damages and immediately report them to the worker who delivered the goods, or refuse to take delivery of a shipment with visible external damage. When taking over the goods, the customer is obliged to sign the delivery note, invoice or delivery note, of which he will make a copy keep the delivery service employee. With his signature, the Customer confirms that he has taken over package without externally visible damage. 

During delivery, along with the purchased product, the Customer receives all the documents accompanying the product and the invoice. 

The Company is not responsible for potential failed attempts to deliver the Product. In case of a failed delivery attempt, the Company will try to contact the Customer and arrange to resend the Product. 

The goods are insured against loss during delivery by the Company, unless otherwise agreed. 

Delivery prices are displayed on the website and include the corresponding VAT. For the Customer who has an approved Wholesale account, the delivery price is different and he agrees on it later with the Company. 

Application "Center of Gold"

The company makes the mobile application available to Users free of charge. The application is closely connected with the Company's website and is linked to the individual User and uses and stores data on the website. To use the application, it is necessary to log in with the data entered on the Web page or register in the Application itself. 

By using the Application, the User agrees to these Terms and Conditions.

The application may have different names depending on the market on which the Company will place it and is not closely related to the name "Zlata Center Application". 

Storage service of purchased products 

The company provides a storage service for precious metal products purchased from it. All storage rules and conditions are found in the Storage Agreement that the client signs with the Company, while the storage prices are stated on the Company's website. 

The rules and conditions of Precious Metal Storage can be found at the link: https://www.centarzlata.com/pravila-i-uvjeti-pohrane-plemenitih-metala/

Return 

Before concluding the Agreement, the User has the opportunity to review the Terms of Use of the Website, which can be found on the Website itself and which are sent to the User's e-mail address when ordering the Product (notice from Article 57, Paragraph 1 of the Consumer Protection Act , Narodne novine, No. 41/2014; notice on the user's right to unilateral termination of the Agreement with the form for unilateral termination of the Agreement from Article 61, paragraphs 1 and 2 of the Consumer Protection Act). 

Pursuant to Article 77, paragraph 1 of the Law on Consumer Protection, the Buyer may unilaterally terminate the Agreement within 14 (fourteen) days from the delivery of the Product to the Buyer without giving reasons, exclusively for goods that are not related to price changes on financial markets. 

The Customer does not have the right to unilaterally terminate the Agreement if the service has been fully delivered, and fulfillment has begun with his express prior consent and with the Customer's confirmation that he is aware of the fact that he will lose the right to unilaterally terminate the Agreement if the service is fully fulfilled. 

Pursuant to Article 77, paragraph 5 of the Law on Consumer Protection, the Buyer is responsible for any decrease in the value of the goods resulting from the handling of the goods, except for that which was necessary to determine the nature, characteristics and functionality of the goods. 

The returned Product must be in the original packaging, with the declaration (if any), certificates, associated contents and invoice. The company determines the terms of the refund - the percentage of the reduction in the amount of the refund to the Customer due to the decrease in the value of the Product. 

The buyer bears the cost of returning the goods. 

In cases where a product different from the one he bought was delivered to the Customer, he has the right to deliver the ordered product, and if this is not possible, the Customer has the right to a refund in the amount of the product price paid, the delivery price and compensation for the cost of returning the product, and is obliged to return incorrectly delivered product. 

Exclusion of the right to unilateral termination of the contract 

Based on the provisions of Article 86 of the Law on Consumer Protection (Official Gazette 19/22), the Customer does not have the right to unilaterally terminate the contract on the sale of the Product, provided that the Company has properly fulfilled its obligation, as the price of the purchased products depends on changes in the financial market that are beyond its influence Companies, which may appear during the duration of the consumer's right to unilateral termination of the contract. 

Complaint 

If, during the first inspection of the Product, the Customer finds that the Product is damaged, defective or is not satisfied with it, it is necessary to send information about the Product, the Order number, the account number, the name and surname of the Customer and a description of the complaint to e-mail [email protected], phone number 01/3000-783, via online chat on the website or by mail, to the address: Saiva doo, Savska cesta 41, 10000 Zagreb. 

Once the Company receives the complaint, the Customer will receive information within 2 working days whether the product can be exchanged for another or a refund can be requested for the purchased product. 

In cases where the Product purchased at a distance can be exchanged for another or when the product can be refunded, the Customer, in agreement with the Company, will organize a delivery service that will pick up the product or come to one of the Company's branches to hand over the disputed Product. 

Once the product has been received at the Company's warehouse, the Customer will have the product replaced or a refund issued immediately or within 2 working days, depending on the method of return and the stock level in the branch. 

In case of acceptance of visibly damaged or opened shipments, the Customer loses the right to claim. 

When selling a certain part of investment gold and silver as well as a product that can be considered a collectible Product, the Buyer is aware that in most cases the Products are not new and may have traces of use. The company will indicate possible defects on such products that will significantly affect the value of the Product, and the Customer, by choosing and ordering and purchasing such a product, confirms that he is aware of the condition of the product and accepts and accepts it as such, and has no right to request a subsequent claim for it. 

In the case of precious metals that are not so-called "Proof" products, minor damages and scratches on the products, as well as on their packaging (if they come with packaging), are normal and cannot be considered as defects. Damages that significantly affect the value of the product are considered defects. 

With Products made of high purity gold, it is normal that small red spots may appear, and they do not affect the value of the product itself. 

With products made of high purity silver, it is common to see the so-called "milk spots", white surface anomalies that do not affect the value of the Product itself. 

Complaints will not be accepted for Products that have been removed from their original packaging and for which the Customer does not have a receipt. 

Platform for online dispute resolution 

Based on the European Union Regulation on online resolution of consumer disputes, dated 15 February 2016 throughout the EU, all disputes related to online purchases are possible resolve through the ODR (Online Dispute Resolution) platform. Objections can be taken in any official EU language. The platform can be found at this link - http://ec.europa.eu/consumers/odr/ . 

Disputes 

In the event of a possible dispute, the Seller and the consumer will try to resolve the dispute peacefully, and if this is not possible, the competent Croatian courts will apply Croatian law. 

The place of contracting and the place of performance of the Company's service is in the Republic of Croatia at the company's address. 

The official language of the contract between the Company and the Customer is Croatian. 

Personal data protection and privacy policy 

According to the Personal Data Protection Act, personal data is defined as any information that refers to an identified natural person or data that can identify a person, determine identity directly or indirectly. The Company treats this data as personal data. 

Data processing is any action performed on personal data, such as collection, storage, use, inspection and transfer of personal data. 

The manager of the collection of personal data is available via email address [email protected] or at the address of the company headquarters. 

The legal bases for processing personal data in accordance with EU regulations and the Law on the Implementation of the General Data Protection Regulation are as follows: 

  • the Client's consent to the processing (consent), 
  • when it is necessary for the conclusion or execution of the contract, 
  • for the purpose of fulfilling legal obligations,
  • for the purpose of the Company's legitimate interests measured in relation to the Client's rights regarding the protection of personal data, 
  • when necessary for legal purposes. 

When and how does centarzlata.com collect user data? 

The company collects the personal data of the Customer only to the extent that it is necessary to fulfill its obligations, i.e. for which there is a legitimate interest and for which it has the consent of the Customer for the purpose of information, customer support and marketing. 

The company undertakes to protect the personal data of the Buyer in accordance with the Law on the Implementation of the General Regulation on Data Protection and undertakes not to transfer personal data to third parties without the consent of the Buyer (except for data for which there is a legitimate interest for the purpose of delivering the purchased product). . 

Processing of personal data that is based on legitimate interest or represents a contractual obligation is carried out by maintaining the highest standards of security and business. The customer can object to the processing of his personal data at any time based on his specific situation. The customer has the right to request the addition, correction or modification of incorrect personal data. 

This excludes cases in which the Company, by a valid order of authorized state bodies in accordance with the law, is obliged to provide or allow access to the personal data of the Customer. 

If data is provided on behalf of another person, the Client must ensure that that person is aware of this privacy policy before the data is provided to the Company. If the person is under 16 years of age, the Company requests that the personal data of that person not be provided without the consent of the parent or guardian. 

The client will inform the Company if there is a change in contact information or preferences. 

When data is collected 

  1. When shopping through the website and for the purpose of product delivery 

When shopping through the website, the Company requests personal data that are necessary to fulfill the service, purchase and for the purpose of fulfilling the ZSPNFT. Providing personal data for the purpose of sale is a contractual obligation, and if it is not provided, it will affect the correct execution of the contract or even make it impossible. 

  • In order to deliver the product ordered through the website, it is necessary to enter personal data (name, surname, delivery address, telephone number and e-mail address). 
  • Employees of Croatian Post and GLS with whom the Company has a contract for the delivery of products ordered via the centarzlata.com online store have legitimate access to the customer's data, which includes the first and last name and the delivery address. 
  • The Company does not record the Client's credit card number or store transaction data. The credit card collection company uses the services of a third party, an authorized bank, which protects your data with encryption. 
  1. Collection of data when directly contacting the Customer and/or Client 

Data that the Company receives through direct contact from a customer who addresses the Company to obtain more information about products and services: 

  • through the form on the website 
  • directly by e-mail 
  • through the chat application Zendesk chat on the Website 
  • by phone call 
  • live at the company office. 

The Company uses the data collected in this way only to process the requested information and user inquiries and for the purpose of ensuring a quality user experience. The Customer and/or User of the Website agrees that they are in accordance with the Law on the Implementation of the General Provisions on Data Protection and that the Company processes personal data in accordance with the requested request. 

  1. When sending newsletters to subscribers 

The company collects e-mail addresses of users that it uses to send newsletters or the electronic messages they contain promotive messages, offers, investment news related to the price of precious metals and financial market conditions. 

  1. Collection for the purpose of providing customer support and marketing 

With the Customer's consent, the company can use personal data to inform about new and promotional products and delivery promotive materials, newsletters and improving relations with customers. 

If third-party service providers have access to the data for the purposes of marketing processing, they are described in detail below.

  1. Collection when using the "My Portfolio" section 

With the User's consent, the Company may collect data located in the "My Portfolio" section of the Website. The Application uses data from the "My Portfolio" section, and the data entered in the Application is automatically saved in the User's "My Portfolio" section. The aforementioned data may contain data on the previous purchases or sales of the User on the Website, as well as voluntarily entered data on the ownership of precious metal products by the Client.

Access to the data collected through "My Portfolio" is available to the Company and the companies responsible for maintaining the website and application.

Who are the subjects with whom the company may share personal data? 

  1. Service providers for sending e-mail promotive messages 

The Company cooperates with third-party service providers in order to carry out e-mailing, advertising and analysis of the use of our websites and applications and to monitor the effectiveness of campaigns. 

We share personal data only to the extent necessary to perform the service on our behalf. Below you can check who are the third-party service providers required for cooperation: 

  • Mailchimp – an automated platform for sending electronic mail that enables Tvttka to send newsletters 
  • Zukunft doo – the company in charge of website maintenance
  • INTELIX AI doo – the company in charge of maintaining the application 
  • Google – Google Analytics used to track web statistics and demographic data and web user behavior. The company uses this tool to track performance. Google Ads 
  • Meta - a platform for social networks and communication (Facebook, Instagram, WhatsApp) that enables the Company to market communication and publication promotive content. ● Zendesk – live chat application installed on company websites ● Hubspot - a customer relationship management (CRM) system that enables the Company to communicate with Clients in a timely and relevant manner 
  1. Providers of services necessary for the conclusion or execution of contracts Access to the customer database with the personal data of customers with the Company for the purpose of concluding or executing contracts, i.e. shopping on the website and delivery of products have: 
  • Accounting Zdjelar doo, accounting service 
  • Zukunft doo – the company in charge of website maintenance
  • INTELIX AI doo – the company in charge of maintaining the application 
  • Hrvatska pošta and GLS, delivery services with which the Company has a contract for the delivery of products ordered through the centarzlata.com online store. 

How can users update, edit or delete their personal information? 

The company collects user data in accordance with EU regulations and the Law on the Implementation of the General Data Protection Regulation. 

Each Customer and/or User can at any time: 

  • request access to your personal data and request updating of personal data and possible inaccuracies 
  • ask the Company to provide additional information about how it uses your data 
  • receive the personal data that the Company has in a structured, commonly used and machine-readable format and - where technically possible - to transfer this data to another controller without a password, if the processing is based on consent and where it is carried out in an automated manner 
  • request deletion of personal data and deletion of data for which there is no longer a legal basis for use. Since the Customer and/or User can request the deletion of only their personal data, for protection, the Company will ask you to verify your identity before implementing the request 
  • in cases where the processing is based on consent and related to any direct marketing, withdraw your consent with effect in the future so that the Company stops such specific processing 
  • object to any processing (including profiling) based on a legitimate interest due to the Customer's and/or User's specific situation, unless the reasons for performing such processing are stronger than the right to protect personal data 
  • ask the Company to limit the way it uses the data, for example while the complaint is being processed. 

The company can refuse to implement the request if it threatens the privacy of the user or other users, if the application of the request is contrary to the law, in exceptions for the protection of public interest (e.g. prevention or detection of crime), legal obligations or the rights and freedoms of others. 

Requests for access, correction or deletion of data can be sent to: 

[email protected] or to the address of the headquarters of the company Saiva doo Savska cesta 41, 10000 Zagreb, Croatia. 

Processing such a request can be a technically and time-consuming process, and in complex cases or in the case of a large number of requests, a longer time is needed to process the data, which the Company will notify in a legal and safe manner. 

How is data security maintained? 

In order to preserve the security, integrity and availability of the Customer's and/or Client's personal data, the Company secures the data with a series of security measures that include encryption, authentication and strictly limited data access. 

Some of the measures the Company uses include: 

  • strictly limited access to personal data based on the "need to know" principle 
  • use of data exclusively in accordance with the legitimate interest, contractual obligation or consent given by the Customer and/or Client 
  • secure data transfer 
  • installation of antivirus programs and firewalls on IT systems for the purpose of detection, prevention of misuse of personal data and unauthorized access to data. 

How long does the Company retain personal data? 

The Company stores and processes personal data for as long as it is necessary for the execution of a certain legitimate purpose, unless a longer storage period is provided for by the applicable regulations for a particular purpose. 

In case of giving consent for marketing, the data is kept for as long as the consent is withdrawn. In the case of rejected offers where consent for marketing has not been given, data related to the offer is kept for one year, and in the event that deletion is requested, it will be deleted immediately. 

Personal data that is no longer needed is either irretrievably anonymized or securely destroyed. 

WSPay Usage Statement 

The company uses WSPay for online payments. 

WSPay is a secure online payment system, real-time payment, credit and debit cards and other payment methods. WSPay provides the customer and the merchant secure entry and transfer of entered card data, which is confirmed by the PCI DSS certificate that WSPay has. WSPay uses an SSL certificate with 256-bit encryption and TLS 1.2 cryptographic protocol as the highest level of protection when entering and transferring data. 

Statement on the protection of the transfer of personal data when paying by card 

Protection of personal data in accordance with the General Regulation on data protection of the European Parliament and Council No. 2016/679-Regulation and implementation of the General Data Protection Regulation 

WSPay as a credit card authorization and debit authorization provider manages personal data as a processing agent and uses personal data in accordance with the General Regulation on the Protection of Data of the European Parliament and Council No. 2016/679 and the strict rules of the PCI DSS L1 Regulations on Protection of Registrations and data transfer. 

WSPay uses 256-bit encryption SSL certificate and TLS 1.2 cryptographic protocol as the highest degree of data protection and data security. 

Personal data used for the purpose of authorization and collection, or in the performance of obligations under the Contract or under the Agreement, are considered confidential. 

For the execution of the contract (authorization and billing), the following personal information of the buyer is required: 

  • Name and surname 
  • E-mail 
  • Phone 
  • Adress 
  • Place 
  • Zip Code 
  • Country 
  • Card type 
  • Card number 
  • Card life 
  • CVV card code 

WSPay does not process or use this personal data except for the purpose of enforcing the authorization and collection agreement. 

WSPay warrants compliance with all the terms and conditions set forth by applicable personal data protection regulations for personal data processing executives, and in particular the taking of all necessary technical, organizational and security measures, in particular with the PCI DSS L1 certification.