Terms of Service

Last Updated: 4 March 2026

1. About These Terms

These Terms of Service govern your use of the Expert Vision Consult website at expert-vision-consult.com and describe the terms under which our consultancy services are provided. By accessing this website, you agree to these terms. Expert Vision Consult is a business consultancy registered in Croatia, with offices at Ul. grada Vukovara 269g, 10000 Zagreb.

2. Nature of Our Services

Expert Vision Consult provides documentation preparation services for small and medium-sized business owners in Croatia who are preparing credit applications. Our services include assistance with business plan preparation, financial documentation organization, and orientation regarding bank evaluation criteria.

We do not arrange credit or loans. We do not act as intermediaries between clients and financial institutions. We do not hold a license to provide regulated financial advisory services. The information and documentation we help prepare is for the purpose of supporting your own credit application process — the decision to apply and the outcome of any application is entirely between you and the relevant financial institution.

3. Website Use

The content on this website is provided for informational purposes only. It describes the services we offer and provides general educational information about credit documentation processes in Croatia. Nothing on this website constitutes financial advice, legal advice, or a guarantee of any particular outcome.

You may use this website for lawful purposes only. You may not use it in any way that causes damage to the website, impairs its availability, or involves unauthorized access to any part of the website or its underlying systems.

4. Intellectual Property

All content on this website, including text, graphics, logos, and design elements, is the property of Expert Vision Consult or is used with permission. You may not reproduce, distribute, or create derivative works from any content on this website without our prior written consent. Linking to our website from other websites is permitted provided the link is not misleading and does not imply endorsement.

5. Limitation of Liability

Expert Vision Consult provides documentation preparation services to assist clients in organizing and presenting their business and financial information. We make no representations regarding the likelihood of credit approval resulting from any documentation we help prepare. Credit decisions are made solely by the relevant financial institutions based on their own criteria and processes.

To the fullest extent permitted by applicable law, Expert Vision Consult shall not be liable for any indirect, incidental, or consequential damages arising from the use of this website or from the use of our services.

6. Service Engagement

Specific terms for individual service engagements, including scope, fees, timelines, and deliverables, are set out in separate engagement agreements concluded between Expert Vision Consult and each client. These Terms of Service apply generally to website use and do not supersede terms in individual engagement agreements.

7. Privacy

Our collection and use of personal data is described in our Privacy Policy, which forms part of these Terms of Service.

8. Governing Law

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

9. Changes to These Terms

We may update these Terms of Service from time to time. Any changes will be published on this page with an updated "Last Updated" date. Continued use of this website after changes are published constitutes acceptance of the updated terms.

10. Contact

For any questions about these Terms of Service, please contact us at info@expert-vision-consult.com or by post at Ul. grada Vukovara 269g, 10000 Zagreb, Croatia.