Terms and Conditions
Last updated: January 2026
These terms and conditions govern the use of the website panoramaclaro.com operated by PanoramaClaro s.r.o. By using this site, you agree to these terms.
1. Operator
The operator of the website panoramaclaro.com is PanoramaClaro s.r.o., Company ID: 12345678, Tax ID: 2012345678, registered office at Hlavná 123, 811 01 Bratislava, Slovak Republic, registered in the Commercial Register of the District Court Bratislava I, section: Sro, file no. 12345/B.
2. Nature of Services
Our website provides educational content in the field of personal finance. The content is exclusively informational and educational in nature and does not constitute financial, legal or tax advice. We recommend consulting with a qualified professional before making financial decisions.
3. Intellectual Property
All content on this site, including text, graphics, logos, images and software, is the property of PanoramaClaro s.r.o. or our licensors and is protected by copyright and other intellectual property laws of the Slovak Republic and the EU.
4. Permitted Use
You may use the content of the site only for personal, non-commercial purposes. It is prohibited to: copy, modify or distribute content without our written consent, use content for commercial purposes, remove copyright notices.
5. Disclaimer
The content is provided 'as is' without any warranties. We are not responsible for any direct, indirect, incidental or consequential damages arising from the use of our site or reliance on the information provided therein.
6. Links to Third Parties
Our site may contain links to third-party websites. We have no control over the content of these sites and are not responsible for their content or privacy policies.
7. Changes to Terms
We reserve the right to change these terms at any time. Changes become effective upon publication on this page. By continuing to use the site after the changes are published, you express agreement with the new terms.
8. Governing Law and Jurisdiction
These terms are governed by the law of the Slovak Republic. All disputes arising from these terms will be resolved by the competent courts of the Slovak Republic, with primary jurisdiction held by the District Court Bratislava I.
9. Contact
For questions regarding these terms, contact us at info@panoramaclaro.com or by mail at Hlavná 123, 811 01 Bratislava, Slovak Republic.