Terms and Conditions

Acceptance of terms

By using the website urban-guide-lab.com, you accept these terms of use in their entirety. If you do not agree with any part of these terms, please do not use our website.

Description of services

Urban-guide-lab d.o.o. provides informational content about financial literacy and consulting. Our content is exclusively educational in nature and does not constitute professional financial advice. Before making any financial decisions, we advise you to consult with a licensed financial professional.

Intellectual property

All content on this website, including texts, graphics, logos, images and software, is the property of Urban-guide-lab d.o.o. or our licensors and is protected by copyright and intellectual property laws of the Republic of Croatia and international laws.

User conduct

You agree not to:

• Use the website in any way that is illegal or harmful.
• Attempt unauthorized access to our systems or networks.
• Use automated systems to collect content without our written permission.
• Distribute malicious software or harmful code.

Disclaimer

The content on this website is provided "as is" without any warranties, express or implied. We do not guarantee that the website will be available without interruption, that it will be error-free, or that it will meet your specific needs. You use the content at your own risk.

Limitation of liability

Urban-guide-lab d.o.o. will not be liable for any direct, indirect, incidental, special or consequential damages that may arise from the use or inability to use our website or content.

Modifications to terms

We reserve the right to modify these terms of use at any time. Modifications take effect immediately upon posting on the website. Your continued use of the website after posting modifications constitutes your acceptance of the new terms.

Governing law

These terms of use are interpreted in accordance with the laws of the Republic of Croatia. The court in Zagreb has jurisdiction over all disputes.

Contact

For questions about these terms of use, contact us at: