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Your personal data will be administered by Bank Handlowy w Warszawie S.A. with its registered office in Warsaw, ul. Senatorska 16. The Bank carries out the processing of your personal data first of all to initiate activities to enter into an agreement between you and the Bank, including marketing involving the Bank’s products and services and similar products and services offered by the Bank’s partners, and presentation of an offer, i.e. in the Bank’s or Bank’s partners’ legitimate interest (Article 6(1)(f) of GDPR). You are entitled to: access your personal data, rectify them, erase them, restrict their processing, transfer your data and object to their processing. More detailed information is available at the website of Bank Handlowy w Warszawie S.A. in the “GDPR” section, see clause no. 29.


Additional information


    WARTA Posag is an individual life and endowment insurance of TUnŻ WARTA S.A. The insurance coverage under the WARTA Posag insurance is granted by TUnŻ WARTA S.A.

    All the product details and the full list of exclusions of the insurer’s responsibility are included in the General Terms and Conditions of WARTA Posag insurance online at,, and at Bank Branches.

    The Bank acts as an insurance agent carrying out agency activities on behalf of Towarzystwo Ubezpieczeń na Życie “WARTA” S.A., and is entered in the register of insurance agents maintained by the Polish Financial Supervision Authority. The Client may check the Bank’s entry in the above register via the website: The Bank represents several Insurers – and will provide additional details upon a Client’s request. The scope of the Bank’s responsibilities includes, in particular, informing the Policyholders of the insurance terms and conditions and of the rules of conclusion of the Contract.

    Funds paid as premium under the WARTA Posag insurance are not a bank deposit, are not guaranteed by the State Treasury or any other government institutions, provided that any amounts receivable from an insurance agreement are secured by the Insurance Guarantee Fund in case of the Policyholder’s insolvency in the amount of 50% of the claims of the beneficiaries under the insurance agreement, however no more than up to a PLN equivalent of – EUR 30,000. The WARTA Posag Insurance is neither a liability, nor is it guaranteed by the Bank or any of its subsidiaries or affiliates. Profits are not guaranteed either by the Bank or the Policyholder.

    In the sales and whole life insurance service processes, the Bank applies the principles provided for in the “Recommendation of Good Practices in the Polish Bancassurance for Investment and Savings Insurance” issued by the Polish Bank Association (ZBP) together with the Polish Chamber of Insurance (PIU).

    This material is not an offer within the meaning of Article 66 of the Civil Code.

  • Rescission and Termination of the Insurance Contract

    The Client may rescind the insurance agreement within 30 days from the conclusion of the agreement, and may terminate the insurance agreement during its entire term.

  • Enquiries and complaints

    Claims and grievances, including complaints, may be submitted by the policyholder, the insured person or the beneficiary under the insurance agreement to TUnŻ „WARTA” S.A.:

    • in writing to the following address: PO box 1013, 00-950 Warsaw 1;
    • electronically via a form on;
    • by telephone at 502 308 308;
    • at every TUnŻ “WARTA” S.A. branch, with a letter delivered in person or orally for the record;
    • to the agent in the following forms:
    • in writing – when submitted in person at a Branch of the Bank during the Branch’s business hours, or sent to the following address: Citi Handlowy, Departament Obsługi Reklamacji i Zapytań Klientów (Complaint and Customers’ Enquiries Service Unit), ul. Goleszowska 6, 01-249 Warszawa (Warsaw);
    • orally – by telephone or in person for the record during the Client’s visit to a Branch of the Bank,
    • electronically – to the Bank’s email address, via Citibank Online after logging in, in the tab “Contact us”. Current contact details for submitting complaints are available on the Bank’s website – The details how to file claims, grievances and complaints, and how they are examined, are available at the website at TUnŻ „WARTA” S.A. is subject to supervision exercised by the Polish Financial Supervision Authority. Notwithstanding the provisions of these GIT&C, the insurer will comply with its disclosure obligations as provided for in the currently applicable legislation.
  • Benefit payment

    If there has occurred an event covered by the insurance policy, the beneficiary shall submit an application for benefit payment directly to the Insurer. To that end, the beneficiary will fill up the form provided by the consultant or the Insurer – at any branch or online at

    An application for payment of the benefit will be deemed filed on the date the application is received by the insurer. For detailed rules on submitting a claim for benefit payment and on benefit payment to be made by the Policyholder go to the General Terms and Conditions of Insurance or to the website