Terms and Conditions
Effective Date: January 1, 2026.
1. General Provisions
These Terms and Conditions govern the use of the website focus-way-hub.com, operated by Focus-way-hub d.o.o., headquartered at Ilica 42, 10000 Zagreb, Croatia, Tax ID (OIB): 45678901234, registered with the Commercial Court in Zagreb under Company Reg. No. (MBS): 081234567.
2. Acceptance of Terms
By accessing and using this website, you accept these Terms and Conditions in their entirety. If you do not agree with these terms, please do not use our website.
3. Description of Services
Focus-way-hub d.o.o. provides informational and educational content in the field of financial literacy and personal finance management. The content on the website serves exclusively for informational and educational purposes and does not constitute financial advice.
4. Disclaimer
The information published on our website is provided "as is" and does not represent professional financial, investment, or legal advice. We recommend consulting a licensed financial advisor for specific financial decisions. Focus-way-hub d.o.o. assumes no liability for any losses or damages arising from the use of information from this website.
5. Intellectual Property
All content on the website, including texts, graphics, logos, images, and software, is the property of Focus-way-hub d.o.o. or its licensors and is protected by copyright law and other intellectual property laws of the Republic of Croatia.
6. Privacy and Data Protection
The processing of your personal data is governed by our Privacy Policy, which is an integral part of these Terms and Conditions.
7. Cookies
The use of cookies on our website is governed by our Cookie Policy.
8. Limitation of Liability
To the fullest extent permitted by law, Focus-way-hub d.o.o. shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from the use or inability to use our website or services.
9. Third-Party Links
Our website may contain links to third-party websites. We assume no responsibility for the content or privacy practices of those sites.
10. Changes to Terms
We reserve the right to modify these Terms and Conditions at any time. Changes become effective upon publication on the website.
11. Governing Law
These Terms and Conditions are governed by the laws of the Republic of Croatia. The court in Zagreb has jurisdiction over all disputes.
12. Contact
For any questions regarding these Terms and Conditions, contact us at: Focus-way-hub d.o.o. Ilica 42, 10000 Zagreb, Croatia Email: info@focus-way-hub.com