Terms of Service

1. About Xenlito

Xenlito provides educational courses on financial literacy for housing cooperative members in Croatia. The website xenlito.com and all content on it are operated by Xenlito, Jankomir 33, 10090 Zagreb, Croatia. Contact: info@xenlito.com, +385 99 466 1787.

2. Acceptance of Terms

By accessing and using this website, you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use this website. Your continued use of the website following any changes to these terms constitutes acceptance of those changes.

3. Nature of the Service

Xenlito provides educational information and courses relating to financial literacy for housing cooperative members in Croatia. The content on this website and in our sessions is:

• Educational and informational in nature
• Not financial advice, investment advice, or legal advice
• Not specific to any individual's personal financial situation
• Not affiliated with, endorsed by, or representative of any specific housing cooperative

Nothing on this website or in our sessions should be interpreted as a recommendation regarding any specific housing cooperative or any financial decision.

4. Intellectual Property

All content on this website, including text, graphics, logos, and course materials, is the property of Xenlito or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from this content without our express written permission.

You may print or download content from this website for your personal, non-commercial use only.

5. Use of the Website

You agree to use this website only for lawful purposes and in a manner that does not infringe the rights of others. You must not:

• Use the website in any way that violates applicable Croatian or EU law
• Transmit unsolicited commercial communications
• Attempt to gain unauthorized access to any part of the website or its systems
• Introduce viruses, trojans, or other malicious code
• Collect or harvest personal data from other users

6. Disclaimer of Warranties

This website and its content are provided on an "as is" basis. While we make reasonable efforts to ensure that information is accurate and up to date, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, suitability, or availability of the website or the information it contains.

7. Limitation of Liability

To the fullest extent permitted by applicable Croatian law, Xenlito shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of this website or our educational programme. Our total liability for any claim arising from these terms or your use of the website shall not exceed the amount paid by you for the specific service giving rise to the claim.

8. External Links

This website may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

9. Programme Participation

Participation in Xenlito educational sessions is subject to separate terms communicated at the time of registration. Session content is educational only and does not constitute professional advice of any kind. Participants are responsible for their own decisions regarding their cooperative membership.

10. Governing Law

These Terms of Service are governed by and construed in accordance with the laws of the Republic of Croatia. Any disputes arising from these terms or your use of this website shall be subject to the exclusive jurisdiction of the competent courts in Zagreb, Croatia.

11. Changes to These Terms

We may update these Terms of Service from time to time. The date at the top of this page reflects the date of the most recent update. Continued use of the website after any changes constitutes your acceptance of the revised terms.

12. Contact

For any questions about these Terms of Service, contact us at:

Xenlito
Jankomir 33, 10090 Zagreb, Croatia
Email: info@xenlito.com
Telephone: +385 99 466 1787