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    Terms and conditions

    Before using this site or the services promoted on this site, please read carefully the terms and conditions below. If you do not agree to these terms and conditions, please do not visit/use this site or the services offered through it.

    Visiting this site implies unconditional acceptance of these terms and conditions.

    The products and services described on this site are available only for BT Direct IFN SA and are its exclusive property. Also, BT Direct IFN SA holds all intellectual property rights (including database rights) regarding trademarks, service marks, logos, and all other materials presented on this site.

    The information contained in this site is provided for informational purposes only and should be used for this purpose only, it cannot be considered offers of financial products or services and does not represent advice or recommendations for investments or for entering into a loan or financial product.

    None of the materials presented on this site constitute a firm offer to contract, let alone do they constitute an offer for the sale-purchase of any financial instrument or product. The quotes of exchange rates, the value of financial instruments, the value of percentages, and the products offered may fluctuate and/or may be affected by national and/or international economic changes.

    BT Direct IFN SA reserves the right to change the content of the site as well as the terms and conditions of its use at any time. These will be published on the site and will take effect from the date of their publication.

    The visitor/user agrees that he/she is obliged not to misuse or abuse the content and/or services of BT Direct IFN, any damage caused to BT Direct IFN SA through improper use, alteration, modification or abuse by the visitor/user will be compensated by him/her.

    Furthermore, the transfer, introduction, modification or deletion of data or other materials contained in this site is not permitted, nor is the restriction of access to it and/or linking this site to other sites/web pages without the express consent of BT Direct IFN SA.

    BT Direct IFN SA is not responsible for the content and services provided through websites accessed via links, hyperlinks, or advertisements on the BT Direct website or for damages arising from their use, the content of which is the property of third parties.

    In the case of violation of these terms and conditions by the visitor/user, BT Direct IFN SA may take any legal measure deemed necessary for the recovery of damages, and for its protection may block access to this site for any visitor/user.

    Failure to comply with the terms and conditions stipulated in this agreement entails liability in accordance with the provisions of law 8/1996 and law 161/2003.

    Using the site or the services offered through it is considered as acceptance of the new terms and conditions.

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    Terms and conditions

    Disclaimer

    AI Search is a pilot project - in beta version - that uses GPT-5 technology to simplify the process of searching and understanding banking products.

    AI Search is trained to respond to questions exclusively related to the banking products offered by BT, however in certain situations and depending on the questions asked, it is possible to also respond to general questions. The answers provided are generated automatically and must be used only for informational purposes. The service may sometimes provide inaccurate or potentially offensive content, which does not represent the viewpoint of Bank Transylvania. You are solely responsible for the use of the content generated by this service in any manner. Do not rely on this service for financial, legal or other professional advice and do not enter personal data or other confidential information into it.

    Using AI Search involves accepting the Terms and conditions.

    The access and use of the service implies the unconditional acceptance of these terms and conditions. If you do not agree with them, please do not use this service. By accepting the terms and conditions to use this service provided algorithmically by an artificial intelligence model, you assume all risk regarding the quality, safety, and performance of this service.

    Banca Transilvania does not provide any guarantee regarding the answers provided by this service.

    AI Search provides algorithmic answers and these may sometimes contain inaccurate information or potentially offensive language. This information does not express the position of Banca Transilvania and cannot engage the responsibility of the Bank for the content provided.

    AI Search does not provide answers to personalized questions, so by using it, you are obliged not to provide and not to enter in the messages/questions sent any kind of personal data or other confidential information. In case of non-compliance with this obligation, by inserting personal data/confidential information within AI Search, you express your consent for the processing of these in order to provide the service (answers to the questions you ask), as well as for the improvement of the algorithmic model of the robot by its developer.

    Any information provided by users during their interaction with AI Search will be treated confidentially, being disclosed only to recipients who have the right and need to know it.

    The content provided by AI Search is for informational purposes only.

    Users are responsible for the questions and messages addressed during the use of AI Search. Any abuse or inappropriate language may lead to the interruption of the interaction.

    AI Search does not provide financial, legal, or professional advice and does not replace consulting with human experts or professionals specialized in the respective field. Users should not rely on the information provided by AI Search for decision making.

    The bank reserves the right to interrupt the AI Search service at any time, without prior notice.

    The terms and conditions may be reviewed/ updated at any time.
    Notifications

    Starting with 1 November 2025, the fees related to the Direct Card will be modified

    1 September 2025 09:00