Last updated: June 28, 2026
1. Who we are
Adriatic Finance Group d.o.o. (“Adriatic Finance Group”, “AFG”, “we”, “us” or “our”) is the controller of personal data processed through this website and through communications relating to website enquiries.
Adriatic Finance Group d.o.o.
Avda Mededovića 26, II/10
81000 Podgorica
Montenegro
Phone: +382 69 68 70 70
This Privacy Policy applies to adriaticfinance.com and the pages and forms operated as part of that website.
2. Scope of this Policy
This Policy explains what personal data we may collect, why we use it, the legal grounds on which we rely, who may receive it, how long it may be retained and the rights available to individuals.
It applies to website visitors, people who submit an enquiry, prospective clients, business contacts and other persons who communicate with us through the website, email or telephone.
3. Personal data we may collect
Information you provide directly. This may include your name, surname, company name, email address, telephone number, the content of your message and any other information you choose to provide when contacting us.
Business and enquiry information. We may process information about your proposed project, objectives, company, investment, transaction, intended activity or requested service where you voluntarily provide it for the purpose of an initial assessment or discussion.
Communications. We may retain emails, telephone notes, meeting notes and other correspondence relating to your enquiry or a potential engagement.
Technical and usage data. Our hosting platform and, where consent has been given, analytics tools may process information such as IP address, browser type, device type, operating system, approximate location, pages visited, referring page, date and time of access and interaction with the website.
Cookie and consent information. We may store your cookie preferences and information necessary to demonstrate or manage your consent choices.
Please do not submit confidential, privileged, financial-account, identification-document or other highly sensitive information through the general contact form unless we have agreed a suitable communication method.
4. How and why we use personal data
We may use personal data to respond to enquiries and requests; assess whether we may be able to assist; arrange an initial discussion; prepare or take steps at your request before a possible engagement; communicate about an existing or proposed business relationship; maintain appropriate business and compliance records; operate, secure and improve the website; prevent misuse, fraud or security incidents; comply with legal, regulatory, accounting or professional obligations; establish, exercise or defend legal claims; and manage cookie preferences and consent.
We do not sell personal data. We do not use contact details for unrelated direct marketing unless you have separately agreed to receive such communications or another lawful basis clearly applies.
5. Legal grounds for processing
Depending on the circumstances and the law applicable to the processing, we may rely on one or more of the following grounds: taking steps at your request before entering into a contract or engagement; performance of an agreed engagement; our legitimate interests in responding to business enquiries, operating and securing the website, managing professional relationships and protecting our legal and commercial position; compliance with a legal obligation; and your consent, particularly for optional analytics or marketing technologies where consent is required.
Where processing is based on consent, you may withdraw that consent at any time. Withdrawal does not affect the lawfulness of processing carried out before withdrawal.
6. Cookies, analytics and external content
The website uses essential technologies required for its operation. Optional analytics or marketing technologies are used only in accordance with the choices made through the cookie banner, where applicable.
The website may also display an embedded map, RSS or news-feed content, or links to third-party websites. Those third parties may process technical information when their content is loaded or when you follow a link. Their own privacy notices apply to their processing.
Further information is provided in our Cookie Policy.
7. Who may receive personal data
Personal data may be made available only where reasonably necessary to: Hostinger or another website-hosting and infrastructure provider; our email, communications, IT, cybersecurity, backup or support providers; professional advisers such as lawyers, accountants, tax advisers or consultants where appropriate; service providers or specialists involved in assessing or delivering a requested service, subject to an appropriate basis and confidentiality arrangements; competent courts, regulators, public authorities or law-enforcement bodies where disclosure is required or legally justified; and a successor or potential successor in connection with a lawful corporate reorganisation, subject to appropriate safeguards.
We seek to limit disclosures to what is relevant for the stated purpose.
8. International processing and transfers
Some service providers may store or process information outside Montenegro or outside the European Economic Area. Where applicable, we seek to use providers and contractual arrangements that offer an appropriate level of protection and to apply any safeguards required by applicable law.
Because legal requirements and provider locations may change, further information about a specific transfer may be requested using the contact details in this Policy.
9. Data retention
We retain personal data only for as long as reasonably necessary for the purpose for which it was collected and for any related legal, accounting, professional, security or claims-management requirements.
Enquiries that do not lead to an engagement are normally retained for up to 24 months after the last substantive communication, unless there is a legitimate reason to retain them for a longer or shorter period.
Where an engagement is established, relevant records may be kept for the duration of the relationship and afterwards for the period required by applicable law, professional obligations or the need to establish, exercise or defend legal claims.
Technical, analytics and cookie-consent records are retained according to the settings of the relevant tool and the purposes described in the Cookie Policy.
10. Security
We use reasonable technical and organisational measures intended to protect personal data against accidental or unlawful destruction, loss, alteration, unauthorised disclosure or access. No website, email system or internet transmission can be guaranteed to be completely secure, and visitors should use appropriate care when deciding what information to send electronically.
11. Your rights
Subject to applicable law and any relevant limitations or exemptions, you may have the right to request access to your personal data; request correction of inaccurate or incomplete data; request deletion; request restriction of processing; object to processing based on legitimate interests; withdraw consent at any time where processing is based on consent; request data portability where applicable; and lodge a complaint with the competent supervisory authority.
To exercise a right, contact us at contact@adriaticfinance.com. We may need to verify your identity and clarify the scope of the request before responding.
In Montenegro, complaints may be addressed to the Agency for Personal Data Protection and Free Access to Information, Bulevar Revolucije 11, Podgorica, Montenegro, email: azlp@azlp.me.
12. Third-party websites
Our website may contain links to third-party websites and content. We do not control those websites and are not responsible for their privacy practices. You should review the privacy notice of the relevant third party before providing personal data.
13. Children
This website and our services are directed to business and adult users. We do not knowingly collect personal data from children through the website. A parent or guardian who believes that a child has provided personal data should contact us so that the matter can be reviewed.
14. Changes to this Policy
We may update this Privacy Policy to reflect changes in law, our website, our service providers or the way we process personal data. The revised version will be published on this page with an updated date.
15. Contact
Questions, requests or concerns regarding this Privacy Policy or the processing of personal data may be sent to:
Adriatic Finance Group d.o.o.
Avda Mededovica 26, II/10
81000 Podgorica
Montenegro
Phone: +382 69 68 70 70
