Terms and Conditions

Introduction

These terms and conditions govern the relationship between Urban-step-flow s.r.o. (hereinafter referred to as "provider") and users of the urban-step-flow.com website (hereinafter referred to as "user"). By using this website, you agree to these terms.

Description of Services

The provider offers informational and educational materials in the field of personal finance and financial literacy. These materials are purely informational in nature and do not constitute financial advice within the meaning of the Capital Market Act.

Disclaimer

The information provided on this website is for informational purposes only. The provider is not responsible for any financial decisions made based on this information. We recommend consulting with a licensed financial advisor before making any financial decisions.

Intellectual Property

All content on this website, including text, graphics, logos, icons, images, and software, is the property of the provider or its content providers and is protected by copyright and other intellectual property laws.

User Obligations

The user agrees to:

• Use the website only for lawful purposes
• Not attempt unauthorized access to the provider's systems
• Not spread malicious software or other dangerous content
• Respect the intellectual property rights of the provider

Limitation of Liability

To the maximum extent permitted by law, the provider is not liable for any direct, indirect, incidental, special, or consequential damages arising from the use or inability to use this website.

Changes to Terms

The provider reserves the right to change these terms and conditions at any time. Changes become effective upon their publication on the website.

Governing Law

These terms and conditions are governed by the laws of the Czech Republic. All disputes will be resolved by the competent courts of the Czech Republic.

Contact

For any questions regarding these terms and conditions, contact us at: info@urban-step-flow.com