Terms of Use
Last Updated: January 2026
Acceptance of Terms
By using the website focus-plan-flow.com, you agree to these Terms of Use. If you do not agree with these terms, please do not use our website.
Description of Services
Focus-Plan-Flow provides educational materials and information about personal finance management. Our content is purely educational and does not constitute financial advice.
Disclaimer
The information on this website is provided "as is" without any warranties. We are not responsible for decisions made based on information from our website. Always consult with a qualified financial professional before making financial decisions.
Intellectual Property
All content on this website, including texts, graphics, logos and images, is the property of Focus-Plan-Flow or its licensors and is protected by copyright laws.
User Conduct
Users agree to use the website in accordance with the law and these Terms of Use. The following is prohibited:
- Using the website for illegal purposes
- Attempting unauthorized access
- Distributing harmful software
- Violating intellectual property rights
Limitation of Liability
Focus-Plan-Flow is not liable for any direct, indirect, incidental or consequential damages arising from the use or inability to use our website.
Changes to Terms
We reserve the right to modify these Terms of Use at any time. Continued use of the website after changes constitutes acceptance of the new terms.
Governing Law
These Terms of Use are governed by the laws of the Republic of Croatia. All disputes shall be resolved before the competent courts in Zagreb.