If, despite submitting your notification, it is unfortunately not possible to reach an agreement in an individual case, the following arbitration institutions are still available to you: - Joint Conciliation Board of the Austrian Banking Industry (www.bankenschlichtung.at) for banking transactions (excluding foreign currency loans). - Internet Ombudsman (www.ombudsmann.at) in case of contracts against payment or other questions of e-commerce or internet law or data protection, copyright or trademark law related to the internet, which 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): There is also the possibility to turn to the conciliation platform ec.europa.eu/odr established by the European Commission. - 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.