GENERAL
The present website https://fintech.econ.duth.gr/ (hereinafter referred to as the “Website”) belongs to the MSc in FinTech/Department of Economic Sciences of Democritus University of Thrace, located in Komotini (University Campus, Komotini 69100), hereinafter referred to as the MSc.
The use of the electronic pages and services of the Website by the visitor/user requires their unconditional agreement with the present terms of use, which apply to all content, pages, graphics, images, photos, and files included in the Website (hereinafter referred to as the “Terms of Use”). Therefore, the visitor/user must read the Terms of Use carefully before using the services and, if they do not agree, must refrain from using the services and content of the Website.
The MSc reserves the right to unilaterally modify the Terms of Use and any integral part of these at any time without notice. The MSc will post the current version of the Terms of Use in order to keep the visitor/user informed. The visitor/user is requested to check the content of these pages regularly for any changes. The continued use of the pages and/or services of the Website, even after any changes, signifies the unconditional acceptance of the modified Terms of Use by the visitor/user.
To learn more about how we process personal data through the website and our related services, please read the Privacy Statement.
INTELLECTUAL AND INDUSTRIAL PROPERTY RIGHTS
Except for explicitly mentioned exceptions (third-party copyrights, partners, and entities), the Website includes content that constitutes the intellectual property of the MSc, which is also the administrator of the Website and is protected by the relevant provisions of Greek and European law, as well as applicable international treaties. This content includes, without limitation, texts, images, designs, graphics, videos, software applications, and provided services, as well as logos, trademarks, and characteristics belonging to the administrator and/or to individuals mentioned on the Website as owners of the relevant rights, all of which are protected according to the applicable laws on industrial and intellectual property.
USAGE LICENSE
The MSc encourages private use of the content of the Website for personal information, as well as for educational or research purposes. Use within the framework of a business or an organization does not constitute private use. For educational or research purposes only, the reproduction or storage of individual pages or data is permitted, provided that the origin from the Website is indicated and the names of the creators (if these are displayed on the Website) are referenced, and provided that no industrial and intellectual property rights are infringed in any way. However, visitors/users should be aware that some files or data may constitute the intellectual property of third parties (partner entities, organizations, companies, etc.), and cannot be used without permission from these third parties (which may be indicated on the relevant notice of the Website).
The storage, reproduction, republication, transmission, or distribution of any part of the content of the Website for commercial purposes or for any other use not covered in the above paragraph is strictly prohibited.
The storage, reproduction, republication, transmission, or distribution of registered trademarks or service marks of the MSc, as well as trademarks of collaborating entities appearing on the Website, is strictly prohibited.
VISITOR/USER RESPONSIBILITY
The use of the Website must be conducted solely for lawful purposes and in a manner that does not restrict or hinder its use by third parties. The visitor/user must comply with the rules and provisions of applicable Greek, European, and international law and is obliged to use the Website in accordance with the law, good morals, and these Terms of Use. The visitor/user is obliged to refrain from any illegal and abusive behavior during the use of this and in relation to it and assumes responsibility for any damage caused to the Company and/or third parties from improper or unfair use of the Website and/or the related services offered through it.
USE OF LINKS TO THIRD-PARTY WEBSITES
The Website may contain references to third-party websites and/or currently or in the future provide the ability to access third-party websites via links, hyperlinks, or advertising banners created by other individuals and organizations.
These references are provided for the convenience of users and to provide them with additional useful information, and the use of these links is solely at the visitor/user’s own risk, while the respective websites will be subject to their own terms of use, for which the MSc has no liability and no connection.
The MSc bears no responsibility and does not guarantee in any case for the content, privacy policy, correctness, legality, completeness, timeliness, and/or accuracy or quality of services and the security of other websites linked to the Website through such links, nor for the servers through which the Website and other websites are made available to the visitor/user. The MSc is not liable for errors or malfunctions of third-party websites, as well as for any damage suffered by visitors/users from accessing and using the information, services, and products provided through them.
WEBSITE VALIDITY – LIMITATION OF LIABILITY
The MSc makes every effort to ensure that all content and information displayed on the Website are characterized, as far as possible, by accuracy, clarity, correctness, completeness, timeliness, and availability; however, it does not guarantee that the pages, services, options, and content will be provided uninterruptedly and without errors, nor that mistakes will be corrected. Additionally, the MSc does not guarantee that it or any other related website or the servers through which these are made available to the visitor/user are free of “viruses” or other harmful components. The MSc does not guarantee in any case the accuracy, completeness, or availability of the contents, pages, services, options, or their results. The MSc is not liable for any form of damage suffered by the visitor/user of the pages, services, options, and content of the Website that they engage with on their own initiative and with knowledge of the Terms of Use.
Each visitor/user must take all appropriate security measures (e.g., antivirus programs, etc.) before any “download” from the Website. The cost of any repairs or corrections shall be borne by the visitor/user, with the MSc not bearing any responsibility or burden. The visitor/user is responsible for accessing the services of the Website, and such access may require the payment of fees to third parties (e.g., internet service providers, charges for time spent online). The visitor/user has the exclusive responsibility for paying the relevant fees. Additionally, the visitor/user is solely responsible for their personal equipment with the necessary technological means that allow them to access the services of the Website.
OTHER TERMS / APPLICABLE LAW
Any provision of the Terms of Use that becomes contrary to the law shall cease to apply automatically, without in any case affecting the validity of the remaining terms.
This constitutes the entire binding agreement between the MSc and the visitor/user of the Website and its services.
No modification of the Terms of Use shall be taken into account and shall not constitute part of this agreement unless it has been formulated and proven in writing and has been incorporated into these Terms of Use.
These Terms of Use, as well as any modifications to them, are governed by and interpreted in accordance with Greek law, the law of the European Union, and the relevant international treaties. The competent courts for the resolution of any dispute are exclusively the courts of Komotini, Greece.
PRIVACY STATEMENT
We at the MSc in FinTech/Department of Economic Sciences of Democritus University of Thrace are responsible for processing your personal data during your visit to our website and the use of our other services. We are committed to respecting and protecting the personal data of visitors to our website and users of our services and are obliged to inform you transparently about the related processing of your data.
We reserve the right to modify and update this Privacy Statement whenever necessary. If there are changes to this statement, we will post the new text on our website. For this reason, please read this Privacy Statement carefully and periodically check our website.
The protection of your personal data is subject to the relevant provisions of applicable European legislation (mainly the European General Regulation 2016/679) and the relevant Greek laws for the protection of individuals from the processing of personal data, as supplemented by the decisions of the relevant supervisory authorities.
- DOES IT APPLY TO ME?
The information contained in the following paragraphs relates to the processing of personal data concerning services and features provided through the website www.fintech.econ.duth.gr.
- WHAT DATA DO WE PROCESS
In the context of the Services, we collect and further process the following categories of personal data:
Α. When you register or pay the tuition fees to the MSc
- Basic information (such as name and surname, account code)
- Contact details (such as mailing address, landline and mobile phone numbers, email address, preferred method of communication, preferred language of communication)
Β. When you receive our newsletters
- Contact details (email address, preferred language of communication)
C. When you use the features and services through www.fintech.econ.duth.gr
- In some cases, we also automatically collect technical information that does not directly identify you, such as the type of browser, the operating system of your computer, the domain name of the website from which the connection was made, location, and other information arising from the use of cookies on our website (such as Internet Protocol (“IP”) address, web content opened, etc.). For more detailed information regarding the use of cookies on our website, you can refer to our Cookie Policy.
D. When you are referenced at www.fintech.econ.duth.gr in relation to your status concerning the MSc:
- Identification details (such as name and surname, title/area of expertise)
- Basic biographical information and professional background
- Photograph
- Any awards or recognitions you have received or your academic work
- HOW AND WHY DO WE PROCESS YOUR DATA?
We will process the personal information you provide to us in the context of our Services and depending on the case, in accordance with the following legal bases and purposes:
- Contract
To provide you with the services and specifically in order for you to be able to register as an account holder or to pay tuition fees either online or via telephone. In this case, we act on the basis of our contractual relationship under which you will be granted access and will use the offered services, and we will respond to any related request you may have. Additionally, based on the relevant cooperation agreement between us (such as for scholarships, sponsorships, awards, etc.), we will process your personal data in order to comply with this agreement, including the publication of limited information about you on www.fintech.econ.duth.gr or on any of our digital communication channels.
In case you submit your CV and related professional information, we will process this information to evaluate your application and implement our recruitment policy. If you are selected for a professional position, we will retain this information in the context of executing our employment relationship, as we do with our staff members.
- Legitimate Interest
We have a legitimate interest in processing personal data of individuals who are students or closely connected contacts of the MSc (including journalists) in order to inform them about relevant news and events in which they may have interest. Additionally, we process personal data to ensure the security of the website and transactions as well as their proper functioning, maintaining backups, and ensuring the continuity of the MSc. It is also our legitimate interest to process your personal data to improve and utilize our services in the best possible way, by communicating with you for conducting surveys and obtaining your feedback on our actions and improving our study program.
- Consent
If you are a simple visitor to the website or a follower of our social media, based on your explicit consent, which you will have given us by selecting the relevant field on the website or activating the respective social media application, we may register you in our mailing list for newsletters, should you wish to do so. We will retain your basic contact details (email address, social media profile) in order to send you information about upcoming events and activities in which you may be interested. You can revoke this consent at any time by selecting the “unsubscribe” option at the bottom of every communication you receive or by disabling the relevant feature on the social media.
Based on your explicit consent and depending on your cookie preferences during your visit to our website, we will process the personal data collected through cookies and similar technologies to enhance your experience on our website, analyze its usage, and pursue advertising purposes. You can revoke this consent and find more detailed information regarding the use of cookies on our website in our Cookie Policy.
- HOW LONG DO WE RETAIN YOUR INFORMATION?
We will retain the information you provide us only for the period required to achieve the above purposes or for as long as required by law. This duration may vary depending on the specific use, e.g., your email address that you provided us to receive newsletters will be retained until you submit a request for unsubscription or revocation of consent, provided that we are not required to retain it for longer for any other purpose (e.g., for managing your account on our website).
- WHO HAS ACCESS TO YOUR DATA AND HOW DO WE ENSURE THIS ACCESS?
All information we process in the context of the Services will be maintained by our authorized personnel.
Additionally, in order to ensure the best provision of services and functions in accordance with the applicable legislation for the protection of personal data, we may provide your personal data to third parties with whom we collaborate and conduct transactions, such as:
- Providers of technical website services and social media management companies
- Providers of promotions of the Services, research companies, marketing communication platform providers such as SendGrid, Campaign Monitor, WuFoo, and JotForm. These companies will transfer your data outside the EU/EEA, specifically to the USA. International rules for data transfer apply, including Standard Contractual Clauses.
- Co-organizers of educational/cultural programs
- External consultants or other market specialists
- Other services of the Department of Economic Sciences and Democritus University of Thrace
- Providers of social media or digital platform services, such as Google, Facebook, Twitter, when you use their forms or their embedded services. Personal data will be transferred outside the EU/EEA by these companies, specifically to the USA. International rules for data transfer apply, including Standard Contractual Clauses.
- Any other administrative, judicial, or public authority and generally any legal or natural person to whom the MSc is obliged or has the right to disclose such data according to law or court decision.
Please refer to the Cookie Policy for a full list of all companies that may have access to information collected through cookies during your browsing on our website.
The security of your information is of utmost importance to us. We make every effort to always stay informed about digital transformations and to adopt technical and organizational measures that ensure, as much as possible, the smooth operation of our website and the protection of the reliability, confidentiality, and availability of any information transmitted through this channel. However, we recommend that you read the Terms and Conditions of our website that address issues for which we have no control and cannot guarantee, such as how you access and use the website.
- WHAT RIGHTS DO YOU HAVE?;
You have the following rights regarding your personal data:
- The right to request access to your data that we maintain and to receive a copy of your data.
- The right to request the correction of inaccurate or incomplete data that we hold about you.
- The right to request the deletion of your data, which we no longer have the right to retain.
- The right to object to the processing of your data based on our legitimate interest.
- The right to request the restriction of processing.
- The right to data portability, i.e., to request that we provide you or another data controller with your personal data in a structured, commonly used, and machine-readable format (e.g., on USB).
- The right to withdraw your previously given consent when processing is based on your consent.
If you exercise any such right, we will take all necessary measures to respond to the request within one month or up to two additional months if required due to the complexity of the request or the total number of requests received. We will notify you in writing regarding the satisfaction of the request or, alternatively, the reasons that prevent us from fulfilling the request. Please note that the exercise of the above rights is subject to certain conditions and restrictions set by law, e.g., we may not be able to respond to a request if we do not receive the identification details necessary to protect your data and to confirm that you are making the request, or delete information that we may be required to retain in order to comply with any obligation or pursue our legitimate interests.
- CONTACT
To exercise your aforementioned rights regarding the processing of your data in the context of the Services, please send a message to the Data Protection Officer of Democritus University of Thrace at the email address dpo@duth.gr.
Finally, if you believe that your personal data protection has been violated in any way, you have the right to file a complaint with the Greek Data Protection Authority using the following contact details: www.dpa.gr | Kifisias Ave. 1-3, Athens 115 23 | +30 210 6475600 | Fax: +30 210 6475628 | complaints@dpa.gr
Cookies are small text files that contain browsing information and are stored in your computer’s browser while you navigate our website. The MSc uses these technologies to provide an improved experience for visitors to our website and better services.
Select the categories below to learn more about the categories of cookies we use.
NECESSARY
Essential for the website to function and to provide you with the functionalities of the website that you choose (e.g., embedded digital files). Additional functions include preventing malicious use of our services, as well as storing your privacy preferences. According to the law, no action is required from you for the acceptance of these. Third parties may have access to this information.
| Name | Use | Duration | Third-Party Access |
|---|---|---|---|
| incap_ses__ | Secure browsing on the website | Session | Incapsula (Imperva) |
| visid_incap_* | Secure browsing on the website | 1 year | Incapsula (Imperva) |
| cookie-preferences-* | Stores user privacy preferences regarding cookie banners | 1 year | — |
| cookiebar_* | Stores user privacy preferences regarding information banners | 1 year | — |
| __qca | Necessary for accessing and downloading embedded digital media (files) | 1 year | Issuu |
| iutk | Necessary for accessing and downloading embedded digital media (files) | 10 years | Issuu |
| vuid | Necessary for accessing and downloading embedded digital media (videos) | 2 years | Vimeo |
You can find more information about the privacy policy of Incapsula (Imperva) here, Issuu here, and Vimeo here.
PREFERENCE
Facilitate the personalization of your navigation on the website. For example, they allow for the auto-filling of user details in an online form. Third parties may have access to this information.
| Name | Use | Duration | Third-Party Access |
| ep201 | Auto-filling user details in an online form | 30 minutes | SurveyMonkey |
| ep201 | Auto-filling user details in an online form | 30 minutes | SurveyMonkey |
You can find more information about the privacy policy of SurveyMonkey here.
PERFORMANCE
Enable us to continuously improve our level of services by collecting and analyzing statistics regarding your transition to us from another website and the overall traffic of the website (e.g., number of visitors, most popular pages). Third parties may have access to this information.
| Name | Use | Duration | Third-Party Access |
| _gat | Records user interaction with the content of the website, for statistical measurement of traffic via Google Analytics | 1 minute | |
| _ga | Records user interaction with the content of the website, for statistical measurement of traffic via Google Analytics | 2 years | |
| _gid | Records user interaction with the content of the website, for statistical measurement of traffic via Google Analytics | 1 day | |
| ___utmvc | Supports the recording of user interaction with the content of the website, for statistical measurement of traffic via Google Analytics | 1 minute | |
| JSESSIONID | Maintains session from the server, for statistical measurement of website usage | Session | New Relic |
You can find more information about the privacy policy of New Relic here, Google here, and the use of cookies in the context of the Google Analytics service here. You have the option to completely block the collection of your data via Google Analytics by installing this plugin in your browser.
TARGETING
Your interaction with the MSc website is used by us and third-party providers for analysis and commercial/advertising purposes, such as analyzing your interaction with the page and displaying related content to you. Third parties may have access to this information.
| Name | Use | Duration | Third-Party Access |
| _fbp | Records user interaction with the content of the website, for advertising use by Facebook | 3 months | |
| fr | Records user interaction with the content of the website, for advertising use by Facebook | 3 months | |
| INGRESSCOOKIE | Records user interaction with the content of the website, for advertising use by Pulsepoint | Session | Pulsepoint |
| i | Records user interaction with the content of the website, for advertising use by OpenX | 1 year | OpenX |
| tluid | Records user interaction with the content of the website, for advertising use by TripleLift | 3 months | TripleLift |
| c | Records user interaction with the content of the website, for advertising use by BidSwitch (IPONWEB) | 1 year | BidSwitch (IPONWEB) |
| tuuid | Records user interaction with the content of the website, for advertising use by BidSwitch (IPONWEB) | 1 year | BidSwitch (IPONWEB) |
| tuuid_lu | Records user interaction with the content of the website, for advertising use by BidSwitch (IPONWEB) | 1 year | BidSwitch (IPONWEB) |
| test_cookie | Records user interaction with the website’s advertisements, for advertising use by Doubleclick (Google) | 15 minutes | Doubleclick (Google) |
| IDE | Records user interaction with the Onassis Group’s advertisements on related websites, for advertising use by Doubleclick (Google) | 1 year | Doubleclick (Google) |
| PUBMDCID | Records user interaction with the content of the website, for advertising use by Pubmatic | 3 months | Pubmatic |
| PugT | Records user interaction with the content of the website, for advertising use by Pubmatic | 1 month | Pubmatic |
| KRTBCOOKIE_xxxx | Records user interaction with the content of the website, for advertising use by Pubmatic | 3 months | Pubmatic |
| mc | Records user interaction with the content of the website, for advertising use by Quantcast | 1 year | Quantcast |
| d | Records user interaction with the content of the website, for advertising use by Quantcast | 3 months | Quantcast |
| rlas3 | Records user interaction with the content of the website, for advertising use by Live Ramp | 1 year | Live Ramp |
| pxrc | Records user interaction with the content of the website, for advertising use by Live Ramp | 2 months | Live Ramp |
| stx_user_id | stx_user_id | stx_user_id | Sharethrough |
| csync | Records user interaction with the content of the website, for advertising use by Smart Ad Server | 1 year | Smart Ad Server |
| TestIfCookieP | Records user interaction with the content of the website, for advertising use by Smart Ad Server | 1 year | Smart Ad Server |
| pid | Records user interaction with the content of the website, for advertising use by Smart Ad Server | 1 year | Smart Ad Server |
| audience | Records user interaction with the content of the website, for advertising use by Spotxchange | 1 year | Spotxchange |
| unruly_m28 | Records user interaction with the content of the website, for advertising use by Unruly Media (Tremor International) | 7 days | Unruly Media (Tremor International) |
| YSC | Records user interaction with the content of the website, for advertising use by YouTube (Google) | – | YouTube (Google) |
| VISITOR_INFO1_LIVE | Records user interaction with the content of the website, for advertising use by YouTube (Google) | 6 months | YouTube (Google) |
| GPS | Records user interaction with the content of the website, for advertising use by YouTube (Google) | 30 minutes | YouTube (Google) |
You can find more information about the privacy policy of Google here, Facebook here, Pulsepoint here, OpenX here, TripleLift here, Iponweb here, Pubmatic here, Quantcast here, Live Ramp here, Sharethrough here, Smart Ad Server here, Spotxchange here, Tremor International here.
YOUR CHOICES
WHAT OPTIONS DO I HAVE?
You have three choices. You can either proceed with acceptance of all cookies and other mechanisms (“Accept”), which will allow you to access all the functionalities of the website, or refuse any non-essential cookie (“Reject”), or proceed with customizing your cookie options (“Customize” – “Save choices”). The latter two cases may significantly reduce your experience.
The Necessary cookies are placed upon your entry into our website. As they are entirely necessary either from a technical point of view or to offer you the services or functionalities you choose, the law allows us to place them without requiring any action or consent from you. By selecting the “Reject” button, which you will find next to both the initial basic notification we provide you and the “X” in the more comprehensive pop-up notification (banner), you continue your navigation only with the Necessary cookies. We will remember your choice for one year. Once this period has passed, or if you visit us from a new device or browser, we will ask you again. Unfortunately, if you do not wish to accept them at all, you will have to refrain from using our services and manually delete any cookies that have already been placed from your browser.
The Preference, Performance, and Targeting cookies will be placed if you select the “Accept” button that you will find next to both the initial basic notification we provide you and below the more comprehensive pop-up notification (banner). We will remember your choice for one year. Once this period has passed, or if you visit us from a new device or browser, we will ask you again.
By selecting the “Save choices” button found under the more comprehensive pop-up notification (banner), any of the categories “Preference,” “Performance,” “Targeting” you have selected will be placed by ticking the relevant box, and we will remember your choice for one year. If you do not tick any box and press “Save choices,” only the Necessary cookies will be saved, and we will remember your choice for one year. Once this period has passed, or if you visit us from a new device or browser, we will ask you again.
CHANGE OPTIONS – WITHDRAWAL OF CONSENT
You can change your choice regarding cookies and related technologies on our website at any time in the future. At the bottom of this Policy, you will find the button: “Customize.” Regardless of what your choice was the last time we asked you via a pop-up whether you wish to accept the placement of cookies and related technologies, you can decide again, easily, directly, and free of charge, through the window that will pop up again when you select the “Customize” button.
For example, if you had selected “Accept” and changed your mind, you can choose in the new pop-up window any (or none) of the categories of cookies you wish and press “Save choices.” This action will function as a withdrawal of the consent you previously gave us and will apply in the future, meaning that from this change onward, those specific cookies and related technologies will not be used by our website on your device. If you want to remove also the cookies that had already been placed on your device before your consent was withdrawn as described above, then you can do this manually by following the instructions you will find in the section “Browser Control – Remove Cookies” below.
BROWSER CONTROL – REMOVE COOKIES
You can control and manage cookies through the settings of the browser you are using. Among the options available to you (depending on the browser) are, for example, accepting all cookies, having a warning for the placement of cookies, or prohibiting their placement.
Correspondingly, through your browser’s settings, you can reverse any acceptance of the placement of cookies and related mechanisms from our website by deleting the already stored files.
To manage and disable cookies, you can follow the relevant instructions for each browser: