Terms of Use

1. Acceptance of Terms

By accessing and using the Smart Logic Hub website (smart-logic-hub.com), you accept and agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use this website. These terms apply to all visitors and users of the site.

2. Nature of the Service

Smart Logic Hub is an educational platform that provides informational content on personal finance topics relevant to Croatian citizens. This includes content on household budgeting, interest rates, banking products, and third-pillar pension planning. All content is provided for general educational purposes only.

Smart Logic Hub does not provide financial advice, investment advice, tax advice, legal advice, or any form of personalized professional guidance. Nothing on this website constitutes a recommendation to take any particular financial action. Users should consult qualified licensed professionals for advice specific to their personal circumstances.

3. Educational Content Disclaimer

The educational content on this website is prepared with care and is intended to be accurate at the time of publication. However, financial regulations, banking products, and market conditions change over time. Smart Logic Hub does not guarantee that all content is current, complete, or free from error. Content should not be relied upon as the sole basis for any financial decision.

Calculator tools on this website are provided for illustrative purposes only. Results are hypothetical and do not represent predictions, guarantees, or projections of actual financial outcomes.

4. Intellectual Property

All content on this website, including text, graphics, logos, icons, and software, is the property of Smart Logic Hub or its content suppliers and is protected by applicable intellectual property laws. You may view and print content from this website for personal, non-commercial educational use. Any other reproduction, distribution, or commercial use requires prior written permission from Smart Logic Hub.

5. Acceptable Use

When using this website, you agree not to:

• Use the site for any unlawful purpose or in violation of applicable laws
• Attempt to gain unauthorized access to any part of the website or its infrastructure
• Transmit any harmful, offensive, or disruptive content through contact forms or other means
• Use automated tools to scrape, copy, or redistribute content without permission
• Misrepresent the source or nature of content from this website

6. Third-Party Links

This website may contain links to external websites for reference purposes. Smart Logic Hub does not control the content of external sites and is not responsible for their accuracy, legality, or privacy practices. Links to external sites do not constitute endorsement of those sites or their content.

7. Limitation of Liability

To the extent permitted by Croatian law, Smart Logic Hub shall not be liable for any direct, indirect, incidental, or consequential damages arising from your use of this website or reliance on its content. This includes but is not limited to financial losses, data loss, or business interruption. Smart Logic Hub provides this website on an "as is" basis without warranties of any kind.

8. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the Republic of Croatia. Any disputes arising from these terms or your use of this website shall be subject to the jurisdiction of the competent courts in Split, Croatia.

9. Changes to Terms

Smart Logic Hub reserves the right to modify these Terms of Use at any time. Changes take effect upon posting to the website. Continued use of the website after changes are posted constitutes acceptance of the revised terms.

10. Contact

For questions about these Terms of Use, contact us at info@smart-logic-hub.com or Ul. Nikole Tavelića 50, 21000 Split, Croatia.