Terms of Service

These Terms of Service govern your use of the services provided by NovaCitadel d.o.o. and access to our website. By using our services or accessing our website, you agree to be bound by these terms.

Acceptance of Terms

By accessing our website, engaging our services, or entering into a service agreement with NovaCitadel d.o.o., you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must not use our services or access our website. These terms constitute a legally binding agreement between you and NovaCitadel d.o.o.

About NovaCitadel

NovaCitadel d.o.o. is a Croatian limited liability company (registration number: 945326478, VAT number: HR943562178) located at Savska cesta 19, 10634 Zagreb, Croatia. We provide financial planning services specifically designed for entrepreneurs and growing businesses across the European Union.

Services Description

NovaCitadel provides professional financial planning and advisory services including, but not limited to:

• Strategic financial planning and analysis
• Regulatory compliance guidance and management
• Tax planning and optimisation strategies
• Business growth and performance advisory
• Risk management and assessment
• Financial consultation and ongoing support

All services are provided in accordance with applicable Croatian and European Union laws and regulations. Specific service terms will be outlined in individual service agreements.

User Obligations

When using our services, you agree to:

• Provide accurate, complete, and up-to-date information as requested
• Comply with all applicable laws and regulations
• Use our services only for lawful business purposes
• Maintain the confidentiality of any login credentials or access information
• Promptly notify us of any changes to your business or financial circumstances
• Pay all fees and charges in accordance with agreed terms
• Cooperate in good faith during the provision of services
• Not use our services to engage in any illegal or fraudulent activities

Intellectual Property

All content on our website and in our service materials, including but not limited to text, graphics, logos, images, software, and methodologies, is the property of NovaCitadel d.o.o. or our licensors and is protected by Croatian and international copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, create derivative works from, publicly display, or commercially exploit any of our intellectual property without our express written permission.

Any reports, analyses, or recommendations prepared specifically for you remain our intellectual property, although you are granted a licence to use them for your internal business purposes. You may not share, distribute, or use such materials for any purpose other than your own business operations without our written consent.

Fees and Payment

Service fees will be specified in individual service agreements or quotations. Payment terms, including due dates and accepted payment methods, will be clearly outlined in your service agreement. Late payments may incur additional charges as specified in your agreement. We reserve the right to suspend services for non-payment after appropriate notice.

Confidentiality

We understand the sensitive nature of financial information and maintain strict confidentiality standards. All client information is treated as confidential and will not be disclosed to third parties except as required by law, regulation, or with your express consent. This confidentiality obligation continues even after the termination of our services.

Limitation of Liability

While we strive to provide accurate and reliable financial guidance, our services are advisory in nature. You acknowledge that business and financial decisions carry inherent risks, and you are responsible for making final decisions regarding your business operations. To the maximum extent permitted by law, NovaCitadel d.o.o. shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to our services, including but not limited to lost profits, business interruption, or data loss. Our total liability for any claim shall not exceed the fees paid for the specific service giving rise to the claim.

Professional Standards

Our services are provided in accordance with professional standards applicable to financial advisory services in Croatia and the European Union. While we exercise professional care and skill in providing our services, we do not guarantee specific outcomes or results. Financial planning involves analysis of complex factors and future projections that may not materialise as anticipated.

Website Use

Our website is provided for informational purposes and to facilitate communication about our services. You may not use our website for any unlawful purpose or in any way that could damage, disable, or impair our systems. We reserve the right to restrict or terminate access to our website at any time without notice.

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Croatia. Any disputes arising from or related to these terms or our services shall be subject to the exclusive jurisdiction of the courts in Zagreb, Croatia. If any provision of these terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

Termination

Either party may terminate a service relationship in accordance with the terms specified in the relevant service agreement. Upon termination, you remain responsible for all fees incurred up to the termination date. Certain provisions of these terms, including those relating to intellectual property, confidentiality, and limitation of liability, shall survive termination.

Force Majeure

NovaCitadel shall not be liable for any delay or failure to perform our obligations under these terms if such delay or failure results from circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, government actions, or other unforeseeable events.

Amendments

We reserve the right to modify these Terms of Service at any time. Updated terms will be posted on our website with a revised "Last updated" date. Continued use of our services after such modifications constitutes acceptance of the updated terms. For material changes, we will make reasonable efforts to notify existing clients.

Entire Agreement

These Terms of Service, together with any specific service agreements and our Privacy Policy, constitute the entire agreement between you and NovaCitadel d.o.o. regarding the use of our services and supersede all prior or contemporaneous communications and proposals.

Contact Information

If you have questions about these Terms of Service or need to contact us regarding legal matters, please reach out: