If, despite submitting your notification, no agreement can be reached in an individual case, the following arbitration institutions are available to you: ? Joint Arbitration Centre of the Austrian Banking Industry (www.bankenschlichtung.at) for banking transactions (excluding foreign currency loans). ? Internet Ombudsman (www.ombudsmann.at) for contracts against payment or other questions of e-commerce or Internet law or data protection, copyright or trade mark law relating to the Internet that are concluded via the Internet. However, the institution of the Internet Ombudsman is only available to you if you are a consumer resident in Austria. Therefore, companies cannot lodge complaints here. ? Dispute resolution platform (ec.europa.eu/odr): It is also possible to contact the dispute resolution platform set up by the European Commission at ec.europa.eu/odr. ? Arbitration for consumer transactions (www.verbraucherschlichtung.at) for foreign currency loans or other disputes that do not fall under the jurisdiction of the above arbitration boards.