These terms of use govern the relationship between the operator of the platform e-pujcka.net (Sandro-Neuhauser-Ring 2c, 0650 7284599, info@e-pujcka.net) and all users who access the content and services of the website. The subject of the platform is the provision of editorial articles, calculators and checklists for financial education, budget planning and money management. No individual investment recommendations, loan brokerage or binding financial advice are offered.

By using the website, you agree to these terms. If you do not agree, please refrain from further use.

You undertake to use the content exclusively for your personal, non-commercial further education. It is prohibited to copy, distribute or use texts, graphics or tools of the platform for your own commercial purposes without written permission.

When using interactive functions (e.g. comment form), you are responsible for not publishing misleading, illegal or offensive content. We reserve the right to delete contributions and exclude users from further use in the event of violations.

All content on e-pujcka.net is for general information and financial education purposes only. It does not replace professional advice tailored to your personal situation from a licensed financial advisor, tax advisor or lawyer.

The operator assumes no liability for damages arising from the application of the provided information, calculators or methods. In particular, it is not guaranteed that the strategies presented (e.g. 50/30/20 rule, emergency fund building) will lead to a specific financial result in your individual case. Liability for indirect damages, lost profits or data loss is excluded to the extent permitted by law.

We strive to keep content current and accurate, but do not assume any warranty for completeness or error-free status. Links to external sites are carefully selected, but we are not liable for their content.

We reserve the right to change these terms of use at any time with effect for the future. We will inform you of material changes via a notice on the homepage or by email if you have registered. Continued use after the change takes effect constitutes acceptance.

You may stop using the platform at any time without giving reasons. The operator reserves the right to exclude users from use in the event of violations of these terms or unlawful behavior.

For questions about these terms of use or legal concerns, please contact:

Email: info@e-pujcka.net
Phone: 0650 7284599
Address: Sandro-Neuhauser-Ring 2c

The law of the Republic of Austria applies. The place of jurisdiction is, to the extent permitted by law, the registered office of the operator. Should any provision of these terms be invalid, the validity of the remaining provisions shall remain unaffected.