Terms & Conditions

These terms and conditions govern the relationship between Visioninformada s.r.o., with registered office at Hlavná 15, 811 01 Bratislava, Company ID: 54 789 123, registered in the Commercial Register of the District Court Bratislava I, Section: Sro, Insert No. 158742/B (hereinafter "provider") and users of the website visioninformada.com (hereinafter "user"). By using this website, you agree to these terms and conditions. If you disagree with any part of these terms, please do not use our services.

Visioninformada provides educational services in the field of financial literacy, including: - Online educational courses and materials - Informational articles and guides - Consultations and advice on personal finance - Webinars and workshops The content of our services is informational and educational in nature. We do not provide individual investment advice within the meaning of Act No. 566/2001 Coll. on Securities.

The user agrees to: - Use the website in accordance with the valid legal regulations of the Slovak Republic and EU - Not provide false information during registration or contact - Not interfere with the technical operation of the website - Not distribute copyright-protected content without consent - Not misuse obtained information for illegal purposes - Respect the intellectual property rights of the provider

All content published on visioninformada.com, including texts, graphics, logos, videos, audio recordings, and software, is protected by copyright and other intellectual property rights. The user may use the content exclusively for personal, non-commercial purposes. Any copying, distribution, modification, or commercial use of content without prior written consent of the provider is prohibited.

The information provided on our website is of a general informational nature and does not serve as individual financial, investment, tax, or legal advice. The provider is not responsible for: - User decisions based on information from the website - Financial losses or damages resulting from the use of information - Accuracy, completeness, or timeliness of information from third parties - Temporary unavailability of services for technical reasons Before making any financial decisions, we recommend consulting with a qualified financial advisor.

Prices for paid services are stated including VAT, unless otherwise indicated. The provider reserves the right to change service prices, with price changes not affecting already paid services. Payments can be made through: - Bank transfer - Payment card - Online payment services In case of paid courses, the user has the right to a refund within 14 days of purchase if they have not yet started the course.

The provider reserves the right to restrict or terminate user access to services in case of: - Violation of these terms and conditions - Misuse of services or fraudulent behavior - Distribution of harmful content - Unauthorized access to services Termination of access does not affect rights and obligations arising before termination.

These terms and conditions are governed by the laws of the Slovak Republic. In case of disputes, the parties agree to attempt out-of-court resolution. If no agreement is reached, the dispute will be decided by the competent court of the Slovak Republic. Consumers have the right to turn to alternative dispute resolution through the ODR (Online Dispute Resolution) platform at: https://ec.europa.eu/consumers/odr

The provider reserves the right to change these terms and conditions at any time. The user will be informed of changes through the website. By continuing to use services after publication of changes, the user expresses agreement with the new terms.

If you have any questions regarding these terms and conditions, contact us: Visioninformada s.r.o. Hlavná 15 811 01 Bratislava Slovakia Email: info@visioninformada.com Phone: +421 2 1234 5678