Terms & Conditions

Last updated: January 15, 2026

These Terms of Use ("Terms") govern your access to and use of the website smart-method-lab.com and related services provided by Smart Method Lab d.o.o. By using our site, you confirm that you have read, understood, and agreed to these Terms.

1. About Us

Smart Method Lab d.o.o. is a limited liability company registered in the Republic of Croatia, with its registered office at Ulica Ivana Tkalčića 18, 10000 Zagreb, OIB: 47291836504, registered at the Commercial Court in Zagreb under number MBS: 081472953.

2. Scope of Services

Our website provides informational content about financial literacy, tools for assessing financial habits, and the ability to contact our team for personalized consultations. The content on the site is educational in nature and does not constitute financial, investment, tax, or legal advice. Before making financial decisions, we recommend consulting with a licensed financial advisor.

3. Use of the Site

By using our site, you agree to:

Use the site in accordance with applicable laws of the Republic of Croatia and the European Union.
Not use the site for illegal or unauthorized purposes.
Not attempt to access protected parts of the site without authorization.
Not interfere with the operation of the site or servers.
Not copy, distribute, or modify site content without our written approval.

4. Intellectual Property

All content on the site, including text, graphics, logos, icons, images, audio and video materials, software, and design, is protected by copyright and other intellectual property rights of Smart Method Lab d.o.o. or our licensors. Unauthorized use of content may result in civil and criminal liability.

5. Limitation of Liability

Content on our site is provided "as is" and "as available." We do not guarantee that the content is complete, accurate, or up to date. Smart Method Lab d.o.o. is not liable for:

Any damage arising from the use or inability to use the site.
Losses resulting from reliance on information published on the site.
Actions of third parties in connection with your use of the site.

The total liability of Smart Method Lab d.o.o. to you shall in no case exceed the amount you have paid us for services in the previous 12 months.

6. Links to External Sites

Our site may contain links to third-party websites. We have no control over the content or privacy practices of those sites and bear no responsibility for their content or actions.

7. Changes to Terms

We reserve the right to modify these Terms at any time. Changes take effect upon publication on this page. Continued use of the site after publication of changes constitutes your acceptance of the updated Terms. We recommend regularly checking this page.

8. Governing Law and Jurisdiction

These Terms are governed by and interpreted in accordance with the laws of the Republic of Croatia. For all disputes arising from or related to these Terms, the court in Zagreb, Republic of Croatia, shall have jurisdiction.

9. Contact

For any questions regarding these Terms of Use, contact us at:

Smart Method Lab d.o.o. Ulica Ivana Tkalčića 18 10000 Zagreb, Croatia Email: info@smart-method-lab.com