Terms of Service
Last updated: 15 January 2026.
By using the website urban-focus-hub.com, you agree to these Terms of Service. Please read them carefully.
1. Service Provider
The website urban-focus-hub.com is operated by Urban Focus Hub j.d.o.o., with registered office at Ulica grada Vukovara 269D, 10000 Zagreb, Croatia, OIB: 78432156901, entered in the register of the Commercial Court in Zagreb under MBS: 081345672.
2. Scope of Services
Through this website, we provide educational and informative content in the field of financial literacy as well as consulting services. The content on the website is for informational purposes only and does not constitute financial, legal or tax advice within the meaning of the Capital Markets Act.
3. Use of the Website
Users agree to use the website in compliance with the laws of the Republic of Croatia and good business practices. The following is prohibited: • Using the website for illegal purposes • Attempting unauthorised access to the system • Disrupting the operation of the website • Copying content without permission
4. Intellectual Property
All content on this website, including texts, graphics, logos and software, is protected by copyright and is the property of Urban Focus Hub j.d.o.o. or its licensors. Unauthorised use, copying or distribution of any part of the content is strictly prohibited.
5. Limitation of Liability
The content on this website is provided 'as is'. We do not guarantee the complete accuracy, timeliness or suitability of the information for any specific purpose. Urban Focus Hub j.d.o.o. is not liable for: • Decisions made based on information from this website • Technical interruptions in the operation of the website • Loss of data caused by use of the website • Damage resulting from the use of external links
6. External Links
Our website may contain links to third-party websites. We are not responsible for the content, accuracy or privacy practices of those websites. Accessing those websites is at your own risk.
7. Changes to Terms
We reserve the right to modify these Terms of Service. Continued use of the website after the publication of changes constitutes acceptance of the new terms.
8. Governing Law and Jurisdiction
These Terms of Service are governed by the laws of the Republic of Croatia. For all disputes arising from the use of this website, the competent court in Zagreb shall have jurisdiction.
9. Contact
For any questions regarding these Terms of Service, contact us at: Urban Focus Hub j.d.o.o. Ulica grada Vukovara 269D, 10000 Zagreb Email: info@urban-focus-hub.com