Terms of Use of Internet Pages

1. Basic information

The operator of internet pages under www.kb.cz and www.mojebanka.cz is the Komerční Banka, a. s. (the Commercial Bank – further only the Operator). This is in compliance with Law No. 121/2000 of the Legislation, covering Authorship Laws and laws related to Authorship and amendments to related laws (the Authorship Law) in full and the Operator is entitled to exercise its proprietary rights related to these internet pages.

The operator hereby issues conditions for use of these internet pages at www.kb.cz and www.mojebanka.cz (further only Conditions). These conditions apply to each and every person, who wishes to use the above mentioned web pages.

2. Using the www.kb.cz and www.mojebanka.cz web pages

Access to the web pages indicated may be made by the Operator wholly or partially conditional on providing some personal information about the user in compliance with Law No. 101/2000 of the Legislation, covering protection of personal information and amendments to related legislation in full. In such case, the Operator will manage this information in full compliance with legal provisions and always in such a manner, which will result in no harm caused to any person submitting such information. This does not concern pages containing information required by law – access to such pages is not conditional on providing personal information.

The Operator’s website is tracked by a tool that monitors the number of visitors. This monitoring provides the Operator with anonymous (statistical) information, enabling evaluation of component parameters of web page use and the overall number of visitors to these pages.

The gathering of data from the Piwik instrument is carried out on servers operated by Komerční Banka a.s. It is processed by Komerční Banka a.s. in cooperation with the company Etnetera a.s.

Like the majority of internet pages, also the pages of the Operator use cookies. “Cookies” contain information downloaded from the internet pages to a hard disk on the Operator's computer. Cookies enable the internet page to record important information, which will make its further use easier for users. Their permission is verified during the computer configuration test before starting the application.

If the user does not wish to use cookies or if he/she wants the browser to say that cookies must be enabled, the user must make the appropriate selection in his/her browser. If the user blocks all cookies, he / she won't be able to use some function of these pages.

The Operator hereby agrees to permit the use of some information, which is contained on the web pages as required by law or regulatory requirements (i.e. financial results, annual and / or semi-annual reports, other reports and documents having the character of information duties, namely those governed under Act No. 21/1992 Coll., on Banks and Act No. 256/2004 Coll., on Business Activities on the Capital Market and in compliance with related notices and Provisions by the CNB – the Czech National Bank).

It is forbidden to interfere without express agreement by the Operator with the technical substance or contents of these pages www.kb.cz and www.mojebanka.cz. Only the Operator has the right to make decisions about changes, removals or additions to any part of these pages.

3. Limiting the responsibility of the Operator

Some information published on pages www.kb.cz and www.mojebanka.cz is derived by the Operator from different sources, which are considered to be trustworthy. The Operator however, cannot be held responsible for the accuracy, completeness and up-to-dateness of information so derived.

The Operator will not be held responsible for any possible damages, which may be incurred to the users who are using the pages under www.kb.cz and www.mojebanka.cz, with the exception of those damages caused by publishing untruthful regulatory information. The Operator will not be held responsible for commercial advertising, or any other form of advertising of any other third party through or on the web pages indicated. Further, the Operator will not be held responsible for contents of third-party www pages that can be accessed via www.kb.cz and www.mojebanka.cz web pages.

4. Third-Party Web Beacons

We use third-party web beacons from Piwik and Google to help analyze where visitors go and what they do while visiting our website.


Piwik may use information about your visit of direct banking services, on this and other websites, for the purpose of improving its products and services, and providing advertisements for products and services which may interest you. For more information, visit the following link: https://piwik.org/what-is-piwik/.

Universal Analytics

This website uses Universal Analytics (Google Analytics), a web analytics service provided by Google, Inc. (“Google”).  Universal 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. 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).


Scripts for the UnBlu tool, which is used for communication with clients using the LiveChat service, have been implemented on the website. All conversations between UnBlu operators and the user are archived on Komerční banka servers, for the purpose of marketing analyses, for a period of 6 months. When the LiveChat function is activated, a view of the currently opened browser bookmark is also transmitted to the operator.

5. Closing provisions

Publishing any data or information on the pages operated by the Komerční Banka, a. s. (the Commercial Bank) does not have the characteristic of any legal deed resulting in legal relationship between the Operator and the User, unless otherwise stated in individual cases. These conditions can be changed or amended by the Operator only.

Conditions for the use of web pages under www.kb.cz and www.mojebanka.cz are effective on the day they are made public. These Conditions were published on 2 March 2016 and replaced the Conditions dated 28 May 2004.