Terms of Service

Last Updated: January 2026

These Terms of Service ("Terms") govern your use of the website swiftzenora.top and the services provided by swiftzenora.top d.o.o., a Croatian limited liability company with registration number 824637915 ("Company," "we," "us," or "our"). By accessing or using our website and services, you agree to be bound by these Terms.

Acceptance of Terms

By accessing, browsing, or using the swiftzenora.top website or engaging our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use our website or services. These Terms constitute a legally binding agreement between you and swiftzenora.top d.o.o.

Company Information

Services Description

swiftzenora.top provides professional retail profit margin benchmark analysis and related consulting services. Our services include:

• Retail profit margin analysis and benchmarking
• Competitive market analysis
• Strategic retail consulting
• Market data analysis and reporting
• Related professional advisory services

User Obligations

When using our website and services, you agree to:

• Provide accurate and complete information when requested
• Use our services only for lawful business purposes
• Respect the intellectual property rights of swiftzenora.top and third parties
• Not attempt to gain unauthorised access to our systems or data
• Not use our services to transmit harmful, offensive, or illegal content
• Maintain the confidentiality of any login credentials provided
• Comply with all applicable laws and regulations
• Not interfere with or disrupt our services or servers

Intellectual Property

All content, materials, and intellectual property on the swiftzenora.top website, including but not limited to text, graphics, logos, images, software, and methodologies, are owned by or licensed to swiftzenora.top d.o.o. and are protected by copyright, trademark, and other intellectual property laws. You may not reproduce, distribute, modify, or create derivative works from our content without explicit written permission. Any analytical reports, methodologies, or insights provided as part of our services remain our intellectual property unless otherwise specified in a separate written agreement.

Service Terms and Conditions

Specific terms for our professional services include:

• Service agreements will be documented in separate contracts or statements of work
• Payment terms and project timelines will be specified in individual agreements
• Client data and information will be handled in accordance with our Privacy Policy
• Deliverables and project scope will be defined in project-specific documentation
• Changes to agreed services may require written amendments

Privacy and Data Protection

We are committed to protecting your privacy and personal data in accordance with applicable data protection laws, including the General Data Protection Regulation (GDPR). Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our services, you consent to the collection and use of your information as described in our Privacy Policy.

Limitation of Liability

To the maximum extent permitted by applicable law, swiftzenora.top d.o.o. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or business opportunities, arising from or relating to your use of our website or services. Our total liability for any claims arising from these Terms or our services shall not exceed the amount paid by you for the specific services giving rise to the claim. This limitation applies regardless of the legal theory upon which the claim is based.

Disclaimers

Our website and services are provided "as is" and "as available" without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that our services will be uninterrupted, error-free, or completely secure. While we strive to provide accurate analysis and insights, we cannot guarantee specific business outcomes or results from our recommendations.

Indemnification

You agree to indemnify, defend, and hold harmless swiftzenora.top d.o.o., its officers, directors, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from your use of our services, your violation of these Terms, or your infringement of any intellectual property or other rights of any person or entity.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Republic of Croatia, without regard to its conflict of law provisions. Any disputes arising from or relating to these Terms or our services shall be subject to the exclusive jurisdiction of the competent courts in Zagreb, Croatia. You consent to the personal jurisdiction of such courts and waive any objection to the laying of venue in such courts.

Termination

We reserve the right to terminate or suspend your access to our website and services at any time, with or without cause, and with or without notice. You may terminate your use of our services at any time by ceasing to use our website and services. Upon termination, all rights and obligations under these Terms shall cease, except for those provisions that by their nature should survive termination, including intellectual property rights, limitation of liability, and governing law provisions.

Force Majeure

We shall not be liable for any delay or failure to perform our obligations under these Terms if such delay or failure results from circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labour disputes, government actions, or technical failures beyond our control.

Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions of these Terms shall remain in full force and effect.

Modifications to Terms

We reserve the right to modify these Terms at any time by posting the updated Terms on our website. Your continued use of our website and services after any such modifications constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically to stay informed of any changes.

Contact Information

If you have any questions about these Terms, please contact us:

Entire Agreement

These Terms, together with our Privacy Policy and any separate service agreements, constitute the entire agreement between you and swiftzenora.top d.o.o. regarding your use of our website and services, and supersede all prior or contemporaneous communications and proposals, whether oral or written, between the parties.

These Terms of Service are effective as of January 2026 and apply to all users of swiftzenora.top and our services.