General terms

General Terms

The on-line and other applications for educational courses (hereinafter referred to as: ‘Course, or Service’) available on the website (hereinafter referred to as: ‘Website’) operated by the Budapest Institute of Banking Zrt. (hereinafter referred to as: ‘Service Provider’) www.bib-edu.hu shall be governed by the present General terms and conditions (hereinafter referred to as: ‘ÁSZF’), which set outs the rights and obligations of the Website Users, the persons applying for the Courses in other ways (hereinafter referred to as: ‘User’) and the Service Provider (the Service Provider and User hereinafter jointly referred to as: ‘Parties’).

By using the service on the Website or in any other way (application for a Course), the Users declare that they understood the ÁSZF, accepted the provisions contained therein and agreed to be bound by the provisions.

Legislation relating to the present ÁSZF:

  • Act CLV of 1997 on Consumer Protection;
  • Act CVIII of 2001 on Certain Aspects of Electronic Commerce Services and Information Society Services;
  • Act XLVII of 2008 on the Prohibition of Unfair Commercial Practices Against Consumers;
  • Act CXII of 2011 on the Right of Informational Self-Determination and on Freedom of Information;
  • Act V of 2013 on the Civil Code;
  • Government Decree 45/2014. (II.26.) on the Detailed Rules of Contracts between Consumers and Companies;

1.    User data; Drawing up of contract between the Parties

1.1. Data of the Service Provider

Name:            Budapest Institute of Banking Zrt.
Registered Office:         H-1054 Budapest, Szabadság tér 7.; Platinum tower. Building I. 4th floor.
E-mail address:     info@bib-edu.hu
Telephone number:     +36 (1) 429-67-80
Mailing address:        H-1054 Budapest, Szabadság tér 7.; Platinum tower. Building I. 4th floor.
Tax number:        26133124-2-41
Company register number: Cg. 01-10-049493

1.2. The rights and obligations of the Service Provider and User shall be fully governed by the present ÁSZF with regard to the contracting on the Website or in any other way.

1.3. The services of the Website shall not be used by natural persons under the age of 16 years. 

1.4. The contract between the Parties, i.e. the application for the Course (hereinafter referred to as: ‘Purchase’) is concluded by the payment of the Course Fee by the User, and by the confirmation of the Service Provider. Contracts concluded through on-line application shall not be regarded as a written contract; registration does not take place so they are not subsequently available. The conclusion of a contract is proven by the saved purchase data which are stored by the Service Provider for the time period specified in the legislation relating to accounting and taxation. Courses provided by the Service Provider and falling within the scope of the Act on Adult Education are excluded from the provisions under this point; in the case of which the Service Provider concludes an adult education contract with the Users.
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1.5. The contract for the purchase of a Course between the Service Provider and the User is concluded for a definite period of time; its duration lasts from the purchase of a Course by the User until the end of the Course held by the Service Provider, and, where appropriate, until the successful or unsuccessful completion of the exam by the User.

1.6. The Service Provider does not possess a code of conduct pursuant to Act XLVII of 2008 on the Prohibition of Unfair Business-to-Consumer Commercial Practices.

1.7. The Users shall have the sole responsibility for the accuracy, timeliness and authenticity of the data provided during the registration prior to the application for a Course on the Website. The Service Provider excludes any kind of liability arising in connection with the incorrect, misspelled, inaccurate, false or not actual data provided on the Website. 

1.8. The Users have the chance to change any data incorrectly provided on the Website on their own surface following their entry to the Website. 

1.9. When applying for a Course on the Website, the Users may give their purchase data by filling out the registration form and during the purchase process. The Service Provider shall be responsible for the compliance and the issuance of the invoice accordingly. The Service Provider is entitled to delete the obviously inaccurate or false registration and reject the application containing such data, and, in case of doubt, check the authenticity of the User’s data.

1.10. The contract between the Parties is concluded in Hungarian.

2. The services of the Website, registration 

2.1. The User may access the detailed information regarding the Courses on the Website and the registration on the Website. If you need more information than what is available on the Website, you may find the answers to the questions raised at the e-mail address info@bib-edu.hu, or at the phone number +36 (1) 429-67-80.

2.2. Registration procedure

2.2.1. The Users are only able to apply for a Course on the Website with a valid registration. The following data shall be submitted to the Service Provider upon registration: surname, first name, e-mail address, birth date. The Service Provider notifies the User in e-mail on the success of the registration and the need to activate the registration through a link.

2.2.2. The Users are entitled to delete their registration at any time, which can be done in the own account of the User. The user data of the User are immediately removed from the system following the erasure; but this does not affect the storage of data and documents related to the completion of ongoing Courses or to be managed in accordance with legal obligations; this move does not result in the erasure of these data. The data cannot be restored after the removal process.

2.2.3. The Users shall have the sole responsibility for keeping the user access data (in particular the password) secret. If the User becomes aware of the fact that an unauthorized third person may have accessed his/her password submitted during registration, he/she is obliged to immediately change his/her password, and if it can be assumed that a third person misuses the password in any way, the User shall immediately notify the Service Provider thereof.
 
2.2.4. The User undertakes to update the personal data submitted during registration, as needed, in order to ensure the timeliness, completeness and accuracy of the data.

2.2.5. Group (company) application is also possible. In this case, the designated employee of an Employer may apply for a specific Course as a group, on behalf of the employees of an Employer. Following the group (company) application, the Service Provider notifies the future participants of the Course in e-mail on the occurrence of the group (company) registration and requests the implementation of the individual registration, as well as indicates that, following the entry with the User’s own name and password, the detailed description of the Course is available on home pagewww.bib-edu.hu, and in folder ‘My Courses’.

3. Purchase process

3.1. During the registration through the Website, you may apply, while browsing among the Courses, by clicking on the ‘I apply’ button on the own page of the selected Course. If the User has not registered on the home page yet, a registration site will pop up where the User is obliged to register according to the process description under 2.2. Following the registration, the User can apply for the Course where his/her previously (during registration or when applying for a previous course) submitted data will be automatically filled out. Following the filling out of data, the User selects the payment method, which may happen in the form of a bank transfer or an on-line payment. In case of selecting bank transfer as payment method, the purchase is closed and the User is obliged to transfer the Course fee to the bank account of the Service Provider within 5 working days, but no later than 4 working days before the Course. In case of selecting the on-line payment method, the User may select from the Simplepay (OTP on-line payment service) and the Paypal on-line payment services. After selecting the payment service, the Website automatically re-directs the User to the chosen on-line payment surface. The Users get a confirmation about the success of the payment from their own financial providers, dependent upon their chosen on-line payment service providers, as well as their own account packages. 

3.2. The Service Provider can accept and grant an application only if the User has entirely filled out the fields on the ‘Registration’ and ‘Application for Courses’ sub-pages. The Service Provider does not take responsibility for the damages resulting from the failure to fill out the data, or for the technical problems incurring during the process. The extra costs arising from the inaccurately or insufficiently provided addressing or other data/information shall be borne by the User. 

3.3. By applying for a Course and paying the Course fee, the User accepts the up-to-date version of the Service Provider’s study and examination regulations.

3.4. No liability shall be imposed on the Service Provider for any delays, problems or mistakes attributable to application data submitted incorrectly and/or inaccurately on-line or in any other way by the User. 

4. Technical possibilities for correcting errors in data entry

4.1. The data and login password submitted during registration may be changed in the User’s account at any time after logging in. 

5. Binding applications, confirmation

5.1. The Service Provider shall confirm, no later than 48 hours after receiving the application submitted by the User, the receipt to the User by e-mail. The confirmation e-mail shall contain the data submitted by the User during application or registration (invoicing information), the application identification, the application date, the data of Course ordered and the final amount to be paid. If the User has already sent his/her application to the Service Provider and recognizes an error in the data within the confirmation e-mail, the User shall notify the Service Provider on the error within 1 working day.

5.2. The User is no longer bound by his/her application if the Service Provider does not send its confirmation e-mail to the User within 48 hours.

5.3. This confirmation e-mail is considered as an acceptance of the application by the User to the Service Provider, through which a valid contract will be concluded between the Service Provider and the User.

6. Course fees, characteristics

6.1. Course fee
The prices indicated by the Courses are always net prices increased by the VAT rate relevant for the given type of service in accordance with the up-to-date version of the VAT Act. The prices indicated on the Website are valid until withdrawal or modification. It may happen, due to the rapid changes in the free places in specific Courses, that even though it is claimed that ‘there are still free places left’ in case of a Course, the Service Provider can no longer offer a free place for that Course. The Service Provider does not take responsibility for such errors, but notifies the User on the error immediately after the recognition of this error.

6.2. The Service Provider shall register and confirm the applications in the order in which they are received, and inform the applicant on the up-to-date information regarding the Course. In case of over-subscription or change in dates, the Service Provider shall also immediately inform the applicant on the next potential date, as well as on the occasional other changes.

6.3. The Service Provider reserves the right to modify the Course fee; the modification will enter into force simultaneously with its appearance on the Website. The modification does not affect the prices of the Courses that have already been ordered; the User will always pay the fee which he/she can see on the Website during application.

6.4. If, despite all due care of the Service Provider, an inaccurate price is indicated on the Website, in particular in case of an obviously incorrect price, the Service Provider is not obliged to sell the Course for an inaccurate price, but may offer the purchase for the correct price, and, with full knowledge of the correct price, the User may withdraw his/her decision to purchase the Course.

7. Terms of payment

7.1. In case of application, the course fee can be paid by the following methods:
- bank transfer;
- on-line payment.

7.2. In case of payment by bank transfer, the Service Provider informs the User in e-mail on the bank data required for the transfer. If the User does not pay the fee within 5 working days from the sending of the e-mail, or latest until 4 working days before the Course, the Service Provider regards this act of the User as withdrawal from the contract and deletes the application of the User. The date of payment of the Course fee is the date when the amount of the fee arrives on the Service Provider’s bank account. The application for a Course shall become final when the purchase price (Course fee) arrives on the Service Provider’s bank account; the potential participation of the User is not guaranteed until that date.

7.3. In case of on-line payment through a bank card, the system, depending on the choice of the User, re-directs the User to the on-line payment surface of the OTP Bank Zrt. (in case of choosing Simplepay), or of the Paypal Inc. (in case of choosing Paypal) after the approval of the application. The data provided here shall only be seen and used by the OTP Bank Zrt. or Paypal, the payment data (bank card number, expiry data, verification code) are not visible and are not stored in the Service Provider’s system. The Service Provider does not take responsibility for the potential errors arising on the bank’s payment surface. Based on the purchase data provided by the User, the Service Provider shall, in case of on-line payment, issue an electronic or a paper invoice, which shall be sent to the address given by the User within a maximum of five working days following the payment of the purchase price. 


8. Cancellation policy

8.1. Users may cancel their application for a Course only in writing (through e-mail or postal mail).

8.2. The Course can be cancelled free of charge up to 15 working days before the starting date of the Course; the Service Provider in this case shall reimburse the whole amount to the bank account from which the payment was received, and, in case of payment by bank card, or in case of a Group / company application to the bank account indicated by the User or the employee applying for a Course in a statement with an authorized signature within five working days after the cancellation. Afterwards, the Service Provider is entitled to demand a penalty of 40% of the purchase price in case of a cancellation up to 5 working days before the starting date of the Course. The Service Provider shall reimburse amount reduced by the penalty to the bank account from which the payment was received, and, in case of payment by bank card, or in case of a Group / company application to the bank account indicated by the User or the employee applying for a Course in a statement with an authorized signature within five working days after the cancellation. The Service Provider is entitled to demand a penalty of 100% of the purchase price in case of a cancellation within 4 working days before the starting date of the Course.

The application for a Course may be transferred to third persons whose names are notified in writing to the Service Provider up to 5 working days before the starting date of the Course. The transfer is valid with the simultaneous submission of data required for registration and application, but the factors decreasing the purchase price that are related to a certain person cannot be applied so the potential difference in purchase prices must be paid by the third person up to 3 working days before the starting date of the Course.

9. Data privacy

The Service Provider shall confidentially manage the personal data coming into its possession, and shall manage these data only in accordance with the provisions specified in the Data Management Guide on this Website. The effective data protection legislation is followed during data management. The detailed Data Management Guide of the Service Provider can be found on the Website.

10. Customer service, complaint-handling

10.1. Contact details of the customer service of the Service Provider:

Name:            Budapest Institute of Banking Zrt.
Mailing address:     H-1054 Budapest, Szabadság tér 7.; Platinum tower. Building I. 4th floor.
E-mail address:     info@bib-edu.hu

10.2. Users may send their complaints to the contact details of the customer service of the Service Provider through a postal mail or e-mail. The Service Provider shall examine and reply in writing to the complaint within 30 days.

11. Miscellaneous provisions

11.1. The Service Provider takes all reasonable and expected measures in order to safely operate the website, but does not provide any additional warranty or guarantee as to the safety of the website, as well as its lack of computer viruses and other spywares and harmful programmes, its actuality, accuracy and uninterrupted functioning. The Service Provider recommends in relation to the use of website that the Users should take all necessary precautions, use anti-virus and spyware protection softwares with up-to-date data bases, and install the security update of the operating systems. The purchase on the Website implies that the User is aware of the technical and technological barriers of the Internet, as well as the acceptance of the possibility of error stemming from this technology.

11.2. The Service Provider shall not be held responsible for any damages resulting from the connection to the Website. The visitor of the website shall be bound by the obligation of protecting its computer and the data thereon.

11.3. Following the application, the system sends a confirmation message to the User. The Service Provider shall not be held responsible for the potential damages in the following cases:
-    If the application was not received due to any operational errors.
-    Failure in the computer of the User caused by hardware or software errors, or the damages caused by the interruption of the Internet connection.

11.4. The purchase on the Website shall be particularly governed by the provision of Act CVIII of 2001 on Certain Aspects of Electronic Commerce and Information Society Services (Act on E-Commerce), as well as Government Decree 45/2014 (II.26.) on the Detailed Provisions of Contracts Concluded between Consumers and Companies, and the provisions of Act V of 2013 on the Civil Code.

11.5. Users may primarily send their complaints to the regionally competent district authorities. The list of competent district authorities is available here: http://jarasinfo.gov.hu/. 

11.6. Competence is based upon the permanent residence of the customer, the registered office and place of business of the company, as well as the place where the infringement was committed. The request may be submitted to any competent district authorities.

11.7. The Service Provider is entitled to unilaterally modify the terms and conditions of this ÁSZF at any time. The Service Provider shall inform the User through a publication on the Website no later than 30 days before the modification takes effect.

11.8. The contracting Parties shall make every effort to ensure that any potential disputes should be settled by negotiation between the Parties. If disputes cannot be settled by negotiation, the User may, for the purposes of a simple and rapid out-of-court settlement of the consumer dispute, turn to the Budapest Arbitration Board operating alongside the Budapest Chamber of Commerce and Industry (registered address: H-1016. Budapest, Krisztina krt. 99. 3rd floor. 310., postal address: H-1253 Budapest, P.O.: 10).


Budapest, 9 November 2017

Budapest Institute of Banking Zrt.