Terms and Conditions

Introductory Provisions

These terms and conditions (hereinafter referred to as "Terms") govern the rights and obligations between Smart Budget Plan s.r.o., Company ID: 12345678, with registered office at Václavské náměstí 12, 110 00 Prague 1, Czech Republic (hereinafter referred to as "Provider") and users of the website smart-budget-plan.com (hereinafter referred to as "User").

Description of Services

The Provider offers the following services through the website:

• Informational content on personal and family finance management
• Educational materials in the field of financial literacy
• Newsletter with tips and recommendations for effective budgeting
• Basic consulting in the field of budget planning

User Obligations

The User agrees to:

• Use the website in accordance with applicable laws
• Provide truthful and up-to-date information when subscribing to the newsletter
• Not use the website in a way that could harm the Provider or third parties
• Not misuse the website content without the Provider's consent

Intellectual Property

All content on the website, including texts, graphics, logos, icons, images, and software, is the property of the Provider or its licensors and is protected by copyright and other intellectual property laws. Without prior written consent from the Provider, it is not permitted to copy, distribute, modify, or otherwise use the content.

Disclaimer

The information provided on the website is for educational and informational purposes only and does not constitute professional financial, tax, or legal advice. The Provider is not responsible for decisions made based on information from this website. We recommend consulting with a qualified professional before making any financial decisions.

Limitation of Liability

The Provider is not liable for any direct, indirect, incidental, special, or consequential damages arising from the use or inability to use the website or the Provider's services.

Changes to Terms

The Provider reserves the right to change or update these Terms at any time. Changes become effective upon their publication on the website. By continuing to use the website after changes are published, you agree to the new Terms.

Governing Law

These Terms are governed by the laws of the Czech Republic. Any disputes will be resolved by the competent courts of the Czech Republic.

Contact

If you have any questions about these terms and conditions, please contact us at info@smart-budget-plan.com or in writing at Smart Budget Plan s.r.o., Václavské náměstí 12, 110 00 Prague 1, Czech Republic.