Last Updated: 23.05.2025
1. Introduction
Welcome to Proaktiv Bank Sh.A. (hereafter referred to as “Proaktiv Bank,” “we,” “us,” or “our”). By registering as a member on the Proaktiv Bank platform (www.proaktivbank.com), you agree to comply with and be bound by the following Membership Agreement (“Agreement”). If you do not agree to these terms, please do not use or register on our platform.
Proaktiv Bank offers a wide range of financial services, including banking, investment advisory, loans, and digital payment solutions. This agreement outlines the terms of membership, the responsibilities of both parties, and how we ensure the security and confidentiality of your financial information.
2. Membership and Account Registration
2.1 Eligibility:
By registering as a member, you confirm that you are at least 18 years of age and legally capable of entering into binding contracts. For business accounts, you confirm that you have the authority to represent the business.
2.2 Registration:
To access our financial services, you must complete the registration process by providing accurate and up-to-date information. This includes, but is not limited to, personal identification, business registration (if applicable), proof of income or financial standing, and contact details.
2.3 Account Security:
You are responsible for maintaining the confidentiality of your account credentials, including your password and any other security information. You agree to notify us immediately if you suspect any unauthorized use of your account or a security breach.
2.4 Authentication:
Proaktiv Bank uses two-factor authentication (2FA) for secure access to your account and to approve transactions. You are responsible for ensuring the accuracy and safety of your 2FA credentials.
3. Use of Services
3.1 Services Provided:
Proaktiv Bank offers a comprehensive suite of financial services in accordance with its licensed areas of operation, including:
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Financial Leasing Services
Medium and long-term leasing solutions for business equipment, vehicles, and infrastructure investments.
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Monetary Intermediation
Acceptance of deposits and provision of funding through various credit instruments including term deposits, current accounts, and specialized savings products.
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Credit and Loan Services
Structured credit products including personal loans, business loans, mortgage solutions, overdrafts, and revolving credit facilities.
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Trade Finance and Guarantees
Issuance of Standby Letters of Credit (SBLC), Bank Guarantees (BG), and other trade finance tools to support domestic and international commerce.
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Investment Instruments & Structured Products
Access to bonds, medium-term notes (MTNs), and customized investment products designed for institutional and high-net-worth clients.
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Brokerage Services
Brokerage and intermediation of security and commodity contracts in regulated and over-the-counter (OTC) markets.
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Administration of Financial Markets
Involvement in the organization and support of financial markets and infrastructure in collaboration with regulatory and market institutions.
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Financial Advisory & Wealth Management
Strategic investment advisory, portfolio management, and tailored financial planning services.
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Auxiliary Financial Services
Currency exchange, remittance services, digital payments, and back-office processing solutions supporting financial transactions.
3.2 Commission and Fees:
Proaktiv Bank may charge fees or commissions for certain transactions, services, and products, including account maintenance fees, transaction fees, loan origination fees, and investment advisory fees. All applicable fees will be clearly disclosed during the registration and transaction processes.
3.3 Interest Rates:
Proaktiv Bank offers competitive interest rates on savings, loans, and credit products. These rates may vary based on market conditions, product type, and individual member criteria. Please refer to the official rates and terms page for up-to-date information.
3.4 Non-Disclosure and Non-Circumvention (NCND) Agreement:
By entering into a financial transaction or investment agreement through our platform, you agree to sign an NCND agreement. This agreement ensures that confidential information shared between parties will not be disclosed or used to bypass Proaktiv Bank in future business dealings.
4. Member Obligations
4.1 Accuracy of Information:
Members are required to provide truthful, complete, and up-to-date information when registering for services or when making changes to their account details. This includes financial, personal, and business information as applicable. Failure to provide accurate information may result in the suspension or termination of your membership.
4.2 Compliance with Financial Laws:
Members must comply with all relevant laws and regulations, including anti-money laundering (AML), combating the financing of terrorism (CFT), and consumer protection laws. Proaktiv Bank reserves the right to request documentation or conduct further verification as necessary to ensure compliance.
4.3 Transaction Monitoring:
Proaktiv Bank continuously monitors accounts for fraudulent activities, unusual patterns, or transactions that do not comply with regulations. Members agree to cooperate with any such monitoring activities and respond promptly to any requests for additional information or clarifications.
4.4 Conduct:
Members agree to conduct themselves professionally, respecting the platform and other members. Members shall not engage in illegal, unethical, or fraudulent activities. Any violation may result in immediate suspension or termination of the membership.
5. Confidentiality and Data Protection
5.1 Confidentiality:
Proaktiv Bank commits to keeping all member information confidential. Your financial data will not be shared with third parties without your consent, unless required by law or necessary to facilitate your banking transactions.
5.2 Data Protection:
We take the protection of your personal and financial data seriously. Proaktiv Bank uses industry-standard encryption and security protocols to ensure the privacy and integrity of your data.
By using our services, you consent to the processing of your personal and financial data as described in our Privacy Policy. We may use this data to improve our services, tailor offerings to your needs, and comply with regulatory requirements.
6. Termination and Suspension
6.1 Termination by Member:
You may terminate your membership at any time by notifying us in writing. Upon termination, any outstanding transactions will be settled, and access to your account will be revoked.
6.2 Termination by Proaktiv Bank:
Proaktiv Bank reserves the right to suspend or terminate your membership at any time for any reason, including, but not limited to, failure to comply with this Agreement, suspected fraudulent activity, or actions that harm the bank’s reputation.
7. Risk Disclosure and Liability
7.1 No Investment Guarantee:
Proaktiv Bank does not guarantee the performance of any financial products, including investments. All investments carry inherent risk, and past performance is not indicative of future results. It is the responsibility of the member to conduct due diligence and understand the risks involved before making investment decisions.
7.2 Limitation of Liability:
To the maximum extent permitted by law, Proaktiv Bank shall not be held liable for any loss, whether direct, indirect, consequential, or punitive, arising from or related to the use of our services, including investment losses, transaction errors, or unauthorized access to your account.
7.3 Third-Party Services:
Proaktiv Bank may provide access to third-party services or financial products. We are not responsible for the actions, policies, or products of these third parties.
8. Amendments
Proaktiv Bank reserves the right to amend this Agreement at any time, and any changes will be communicated via email or through notifications on the website. Your continued use of our services after such amendments will constitute acceptance of the updated terms.
9. Governing Law
This Agreement shall be governed by and construed in accordance with the laws of the Republic of Kosovo. Any disputes arising from or related to this Agreement shall fall under the exclusive jurisdiction of the courts in Pristine, Republic of Kosovo.
10. Contact Information
For any questions or concerns regarding this Agreement, please contact us at:
By clicking “Accept,” you confirm that you have read, understood, and agreed to the terms outlined in this Membership Agreement.