By visiting and (hereinafter: Finum’s website), the user confirms he or she has read and fully accepts the Terms of Use for (hereinafter: Terms of Use). With each use of Finum’s website, the user confirms he or she is familiar with the current version of Terms of Use and fully accepts them.


Documents, data and information published on Finum’s website may not be reproduced, distributed or used in any way for commercial purposes without Finum’s explicit consent, and may be used solely for the user’s individual needs, subject to copyright and ownership rights, as well as rights of third parties. By using the content on Finum’s website, the user accepts all risks arising from such use, and accepts that he or she shall use the content solely for personal use, acting on his or her own responsibility. Finum shall not be held responsible for the way Finum’s website is used, for user’s actions in terms of use or misuse of content, nor for any damages which may arise for the user or third party regarding use or misuse of Finum’s website. All opinions, articles, news and any other information published on Finum’s website serve solely for information purposes and do not replace legal and tax services provided by attorneys and authorized tax advisors. Finum and individual authors do not accept responsibility for any decision or action taken based on the content on Finum’s website.


Detailed information on manner, purpose of the processing and type of collection of personal data is found in the Privacy Statement (link).


Security Procedures


Finum regularly considers procedures to protect user’s personal data from unauthorized access, accidental loss or destruction. Marketing standard (SSL technology) is used for encryption of sensitive user data.


The users should be aware of the fact that communication over the Internet, in terms of e-mail and web communication, is not secure, unless SSL encryption has been applied. The nature of the Internet is such that data may be transmitted through Internet connections in many countries before their delivery.


Finum cannot accept responsibility for unauthorized access or loss of information if Finum does not have direct control over such cases.


Modifications to the Terms of Use


In cases not resolved or regulated by these Terms of Use, Finum’s General Terms of Use, as well as other Finum’s special terms and/or specifications for services that the user avails of, shall apply as deemed appropriate.


Finum reserves the right to modify these Terms of Use, of which the user shall be promptly notified via Finum’s website or in an appropriate manner.