Terms and Conditions

These terms and conditions (hereinafter referred to as "Terms") govern the rights and obligations between you as a user and Panoramatotal s.r.o. (hereinafter referred to as "Provider") when using the educational platform panoramatotal.com (hereinafter referred to as "Platform").

By using the Platform, you agree to these Terms. If you do not agree, please do not use our services.

Panoramatotal s.r.o.

Company ID: 55 321 789

Tax ID: 2123456789

VAT ID: SK2123456789

Registered office: Bratislava, Slovak Republic

Registered at District Court Bratislava I

Section: Sro, File: 99999/B

Email: info@panoramatotal.com

The Platform provides:

• Educational content in the field of financial literacy

• Online courses and training

• Informational materials and articles

• Personal finance guidance

• Communication tools (contact form)

Services are exclusively educational and informational in nature and do not constitute financial, tax, or legal advice.

Some services may require creating a user account. When registering, you agree to:

• Provide truthful and current information

• Protect login credentials from unauthorized use

• Immediately inform us of any suspected security breach

We reserve the right to suspend or terminate accounts that violate these Terms.

All content on the Platform (texts, graphics, logos, videos, software) is protected by copyright and other intellectual property rights.

The user receives only a limited, non-exclusive, and non-transferable license for personal, non-commercial use of the content.

Without our express consent, it is prohibited to:

• Copy or reproduce content

• Distribute or publish content

• Modify or create derivative works

• Use content for commercial purposes

When using the Platform, you agree to:

• Comply with these Terms and applicable laws

• Not damage the Provider's reputation

• Not interfere with the security or functionality of the Platform

• Not misuse obtained information for illegal purposes

• Not send unsolicited communication (spam)

IMPORTANT NOTICE:

Content on the Platform is exclusively educational and informational. It does not constitute:

• Financial advice

• Investment recommendations

• Tax advice

• Legal advice

Before making any financial decisions, we recommend consulting with a qualified professional. The Provider is not responsible for financial decisions made based on information from the Platform.

To the maximum extent permitted by law:

• The Platform is provided "as is" without warranties of any kind

• We do not guarantee uninterrupted service availability

• We are not liable for indirect, incidental, or consequential damages

• Our total liability is limited to the amount paid for services

This limitation does not apply to liability that cannot be excluded by law.

You may stop using the Platform at any time.

We reserve the right to:

• Suspend or terminate your access for violation of Terms

• Terminate or modify services with reasonable notice

Upon termination, provisions regarding intellectual property, limitation of liability, and governing law remain in effect.

We reserve the right to modify these Terms. We will inform you of significant changes:

• By notice on the Platform

• By email (if you have an account)

By continuing to use the Platform after changes are published, you agree to the new Terms.

These Terms are governed by the laws of the Slovak Republic.

Any disputes will be resolved:

1. Preferably through amicable settlement

2. If not possible, by the competent courts of the Slovak Republic

As a consumer, you have the right to use alternative dispute resolution (ADR) or the ODR platform (https://ec.europa.eu/consumers/odr/).

If any provision of these Terms becomes invalid or unenforceable, the remaining provisions remain in full force and effect.

If you have questions about these Terms, contact us:

Panoramatotal s.r.o.

Email: info@panoramatotal.com

Address: Bratislava, Slovak Republic