TERMS OF USE OF THE SURVEY AND PRIVACY POLICY

1. The research buychat.me platform exists in two forms: as a website and as a mobile application. The purpose of the platform is to conduct public surveys efficiently and transparently. Buy Chat d.o.o., it is an apolitical society and has no ideological stance or approach to any issue covered by the polls.
2. Buy Chat d.o.o. has fully implemented the European Data Protection Regulation 2016/679 (hereinafter: GDPR). Therefore, before participating in the survey, users are informed of the survey's Terms of Use and privacy policy and are given an explicit option to agree to them or not.
3. The Privacy Policy explains what type of personal data is processed and for what purpose, as well as any other relevant information. Users can use the survey platform anonymously; it is up to them to reveal their identity. All statistics and information on our website are for informational purposes only, and Buy Chat d.o.o. assumes no responsibility for any consequences arising from misinterpretation.
4. The survey is prepared, organized, and conducted by the company Buy Chat d.o.o., OIB: 20406323095, Av. Dubrovnik 15, Zagreb, through the research software 1KA. The survey was communicated through the following channels: e-mail, SMS, websites, Google Ads platforms, and the social network Facebook.
5. The purpose of the survey is to investigate the individual and social consequences of using a loan contracted with a variable interest rate in CHF. The survey is conducted for media and academic research purposes. Email addresses and telephone numbers for the purposes of conducting this survey are collected from publicly available sources and automatically generated and are not provided to third parties. Respondents participate in it anonymously and in accordance with these Terms of Use of the survey and the privacy policy, with which they must agree if they wish to access the survey.
6. Individual answers, results, and other information provided by users will not be published or visible to other users anywhere, but will serve exclusively for the purposes of statistical processing; only aggregate statistics are published. Data collected during the survey are retained until the survey's completion and are not disclosed outside the EU. No third party has access to the back-end framework or the data collected.
7. The Website uses cookies to ensure a better and more secure user experience. The user is provided with information about their content and asked for explicit consent for its use upon first accessing the website. This data is used only to analyze website traffic, which is needed to optimize the website's performance. The data is not shared with third parties for advertising or any other purpose unrelated to the website.
8. Buy Chat d.o.o. It is an apolitical organization and has no political stance on any of the issues covered in the polls. The results of the survey do not necessarily reflect the actual preferences of the respondents, nor do they constitute a representative sample of loan beneficiaries, as respondents participate voluntarily, anonymously, and at their own discretion.
9. Because our survey is conducted online, survey participants from non-EU countries submit their data directly to our server in the EU. Buy Chat d.o.o. hereby undertakes to comply with the GDPR regulations on data protection, and to comply with its data processing standards of all participants inside and outside the EU. This includes the previously described processing of anonymous data and the implementation of appropriate technical and organizational measures so that all personal data of natural persons is protected. Furthermore, we comply with EU Directive 2002/58/EC, which requires that the use and processing of electronic data from non-EU countries to EU countries comply with the said legislation within the EU.
10. Buy Chat d.o.o. reserves the right to change, limit, or withdraw from the survey at any time. All statistics and information on our website are of an informative nature, and Buy Chat d.o.o. assumes no responsibility for any consequences of misinterpretation.
11. Personal data that respondents can voluntarily leave during the survey (name, surname, telephone number, email address), as well as possible later submitted documentation and data possibly collected during a telephone conversation, are collected for the purpose of establishing a business relationship or providing services and are stored during the business relationship and for 5 years after the expiration of the business relationship. Personal information may be provided to our business partners and associates who assist or cooperate with us in providing services. The provision of this information is a contractual obligation, i.e., it is necessary for the provision of services. The data collected is not exported outside the EU.
12. Based on a legitimate interest and for the purpose of establishing a business relationship, i.e., for the purpose of providing services, telephone conversations with customers may be recorded and used for the purpose of improving the quality of work of our employees, resolving possible customer complaints, and documenting statements relevant to business relationships, of which users are informed before the conversation starts.
13. Persons submitting personal data and/or documentation relating to third parties, for the purpose of completing the survey or providing services, by agreeing to these Terms of Use of the survey and privacy policy, expressly confirm and guarantee that this data is lawfully disposed of and submitted with the consent of persons to whom this data relates. Furthermore, they confirm that all persons whose personal data is provided are fully aware of the survey's Terms of Use and privacy policy.
14. In the event of legal disputes concerning privacy rules, the relevant law of the Republic of Croatia and the EU shall apply.
15. Respondents have the right to access personal data, the right to correct or delete personal data or restrict processing, as well as the right to object to the processing and the right to data portability. Respondents also have the right to file a complaint with the supervisory body. To exercise your rights and any additional information, please contact the personal data protection officer [email protected]