1. General Terms
CRESUS, finančno svetovanje, d.o.o., Robindvor 140, 2370 Dravograd (hereinafter referred to as the “Provider”) is the owner and operator of the website www.cresus.si, all related online activities, web portals, digital services, and applications, hereinafter collectively referred to as the “Website.”
As part of its business activities, Cresus d.o.o. also provides the following services:
Provision of individual independent consultations, which may be conducted independently or as part of other services;
- Creation, preparation, and marketing of online educational programs and modules (e-learning) in the field of financial independence and human potential development;
- Implementation of a partnership program; and
- Sale of books and printed materials;
- hereinafter collectively referred to as the “Services.”
The Provider has adopted these General Terms and Conditions of Use for the website www.cresus.si (hereinafter: the “General Terms”), which are publicly published on the website www.cresus.si and define the terms of use of the website and the Provider’s services.
The General Terms apply to and are binding on all (registered) users and (unregistered) visitors (hereinafter: “Users”) of the website www.cresus.si.
Accessing the website www.cresus.si means that the User agrees to the restrictions and conditions set out in these General Terms and has been clearly and comprehensively informed beforehand about the data controller, cookies, and the purpose of processing personal data collected by the Provider.
If you do not agree with these terms and conditions, the Provider advises against using the website, participating in online activities, or using the Provider’s services and recommends that you refrain from using the website and/or the services.
The Provider reserves the right to protect the website, services, and users by blocking or otherwise preventing any communication with the website and any user communication that violates the rights of others (e.g., copyright). The Provider may block or terminate service use for any violator by technological or other means. Such violators are not entitled to any financial or other compensation.
The Provider reserves the right to change, update, and/or delete the content of the website, services, and web applications at any time, in any way, and without reason or prior notice. The Provider is not obliged to notify users of such changes but will notify them of changes that it considers could significantly affect users. The Provider does not accept responsibility for any consequences of such changes.
2. About the Website
The Provider undertakes to act in good faith and within its capabilities to ensure the accuracy and timeliness of the content published on the website. However, this does not exclude the possibility of linguistic, technical, or content-related errors appearing in the published materials. The information provided through the website www.cresus.si and in connection with the Services is for informational purposes only. The Provider does not accept any responsibility for anyone relying on this information and is not liable for any damages, lost profits, or non-material damages that may occur to any individual due to or in connection with the use of the website, the Services, or their content, or due to the inability to use the website or Services. All content on the website is educational in nature and under no circumstances constitutes financial or investment advice.
Users use the website and Services at their own risk. The Provider is not liable for any damages arising from the existence, access, use, and/or inability to use the website and/or Services and/or content and/or information or related thereto. The Provider does not guarantee uninterrupted operation of the website and Services and bears no responsibility for any consequences of their malfunction.
Furthermore, the Provider is not responsible for the form and content of data obtained via links that are not owned by the Provider, nor for privacy compliance on those linked sites. The User understands and agrees that the Provider’s website and other Services may contain links to websites owned and operated by third parties, which use different terms and conditions and privacy policies than the Provider. Prior to using third-party websites, the User should review their terms and privacy policies. Despite the presence of such links or references to third-party websites on the Provider’s website or within Services, the Provider accepts no responsibility for third-party websites (including but not limited to their legality, content, and quality).
3. User Registration (User Account)
To access certain content and services on the website www.cresus.si, the user must register and create a user account.
The user must be at least eighteen (18) years old to register.
For a successful initial registration on the website, the user must enter the following information in the registration form:
Personal data: email address and password;
Check the box confirming acceptance of these General Terms and Conditions; and
If the user wishes to receive promotional materials, check the box consenting to the Provider processing the user’s personal data entered during registration for the purpose of promotional advertising.
In case of any changes to the user’s personal data, the user is obliged to immediately update their information in their user profile.
The Provider reserves the right to reject registration, limit the use, or terminate user accounts and take other effective measures if the user violates the General Terms and Conditions or in any other way causes slowdowns or disruptions to the functioning of the website.
The Provider reserves the right to remove and delete unconfirmed user accounts or accounts deemed inactive for an extended period at the Provider’s discretion.
The user is solely responsible for the confidentiality and secure storage of any username or password used to access their account and agrees to immediately notify the Provider by email at info@cresus.si if they suspect their account security has been compromised. The user must change their password accordingly. The Provider reserves the right to require the user to change their password. If the user does not change the password within three (3) days after receiving a notification, the Provider has the right to block the user account until the password is changed.
For justified reasons (e.g., abuse, technical issues), the Provider reserves the right to refuse registration and is not obligated to complete the registration process under such circumstances.
Data of recipients who request deletion in writing (via email) will be deleted in accordance with the rules of our Privacy Policy. Data of recipients who neither unsubscribe nor engage with our newsletters (e.g., opening emails or clicking links) will be deleted within 12 months of the last interaction.
4. Cookie Policy
The Provider uses cookies to effectively manage the website. Cookies are small files that are stored in your browser when you first visit our website so that we can recognize you when you return and provide you with a better user experience.
You can review the Provider’s Cookie Policy here.
5. Privacy Policy
At Cresus d.o.o., we recognize the importance of the right to privacy. We handle data carefully and responsibly, and in processing personal data, we comply with this Privacy Policy and applicable data protection regulations.
You can review the Privacy Policy here.
6. Sweepstakes / Contests
The Provider may organize sweepstakes from time to time. Participation is open to any adult natural person residing permanently in the Republic of Slovenia who accepts the general terms and conditions of participation in the sweepstakes.
Each person may be drawn as a winner only once in a particular sweepstake. A winner is not entitled to receive any other prize awarded by the Provider for six months following the announcement of winners for the sweepstake in which they won. If a winner participates in a current sweepstake and is drawn again within six months from the previous sweepstake’s winner announcement, the Provider will redraw the winner and award the prize to the next drawn participant. The originally drawn winner waives any claims against the Provider in this respect.
Prizes are taxed in accordance with the applicable Income Tax Act. The Provider will calculate and remit the tax advance payment. Winners of prizes exceeding the value of EUR 42 must provide their tax number and birth data to the Provider before receiving the prize, in accordance with the Income Tax Act. Employees are not eligible to participate in sweepstakes.
Prizes are non-exchangeable, non-redeemable for cash or any other equivalent, and non-transferable to third parties.
The general terms of participation for each sweepstake will be published on the Provider’s website for the duration of the sweepstake. If any provisions of the sweepstake’s specific terms differ from these general terms and conditions, the specific sweepstake terms shall prevail.
7. Copyrights
In accordance with the law governing copyright and related rights and the law governing intellectual property, copyright works are protected from the moment of their creation and do not need to be specially marked or protected.
The Provider holds all moral and material copyrights in the broadest sense (contents, texts, photographs, graphic elements, illustrations or other text presentations, videos, music, etc.) published on the website, in the online store, or used in the services, or holds a license for their use.
Regardless of the above, the copyright holder of the content on these platforms may also be a third party (e.g., contractual partner or collaborator), in which case such content is properly marked with the source and author.
Users can under no circumstances acquire any copyrights on the educational programs or modules available on the Provider’s website, where copyrights belong to the Provider or third parties.
The holders of trademarks and signs appearing on the website, online store, and services are either the Provider or third parties. Any unauthorized use of such trademarks and signs without prior written consent from the rights holder is explicitly prohibited. All signs, including those not registered as trademarks, are protected under copyright rules.
Content published by the Provider is allowed to be viewed only. Cresus d.o.o. explicitly prohibits any unauthorized reproduction, distribution, modification, public display, playback, or other forms of use of any copyrighted work published on the website, online store, or used in the services, as well as the use of data or content for purposes other than those expressly permitted by these General Terms and Conditions. Should the User violate this prohibition, the Provider reserves the right to initiate any and all proceedings to protect its own interests and those of its partners and to prevent the User from further use of the website and services.
Users who obtain the Provider’s consent to use individual copyrighted content published by the Provider must retain all copyright and industrial property rights notices and other markings and warnings with which the Provider has equipped the content.
The User undertakes that when citing and/or referring to content or data obtained from the website or in connection with the Provider’s services, they will create a link to the website www.cresus.si. However, the content of the website and services, and links thereto, may not be published on websites with unlawful or immoral content. The User and/or owner and/or operator of the website where the link is published is obliged to remove it upon the request of Cresus d.o.o.
8. Liability
The website is accessible to users every day, 24 hours a day. Due to various technical reasons, access to the store may sometimes be unavailable, and therefore the Provider reserves the right to limit or suspend access to the website for a definite or indefinite period of time.
The Provider assumes no liability for website malfunction due to user ignorance, any consequences of misuse of the website, service interruptions caused by network outages, power failures, or other technical disturbances that may temporarily or even for an extended period disrupt use. If the User does not use the latest versions of browsers, the Provider is not responsible for incorrect functioning or display of the website, the online store, or their content.
The Provider strives to ensure the timeliness and accuracy of the data published on the website. However, it is possible that information or services change so quickly that it is not possible to update data on the Provider’s website in time. In such cases, the Provider will endeavor to update the information on the website as soon as possible.
The Provider makes efforts to ensure the correctness of data, images, and textual material on the Provider’s website. For more detailed information, you may contact us at any time via email at info@cresus.si or by phone at +386 51 306 213 during our working hours, published on the last page of these General Terms and Conditions.
The Provider does not guarantee that the website, online store, and services will always be available and/or that the use of the website and online store will be safe and uninterrupted. The Provider is also not responsible for network and telephone connections, including coverage area or connection interruptions, nor for any damage caused by the use of the website, such as data loss, loss of programs, connection costs, or any similar damage. The Provider’s liability is limited to intent and gross negligence, and the extent of any potential compensation is limited to foreseeable typical damage, except in cases of claims due to damage to life, body, or health and claims under product liability.
A User who causes damage to the Provider or third parties while using the website, online store, or Provider’s services is obliged to compensate such damage under the general rules of liability for damages.
9. Security and Third Parties
The Provider has implemented technology and rules to protect users’ privacy from unauthorized access and improper use. The Provider will update these measures in line with technological developments.
10. Advice to Users
Users are advised to use the website in accordance with these General Terms and Conditions and the Provider’s instructions. Users should be aware that despite care and service monitoring, misuse of the website by third parties is possible, for which the Provider is not responsible.
11. Amendments and Breach of Terms
These terms are prepared based on the applicable legislation in force.
The Provider may update these terms from time to time in accordance with changes in services and activities and based on user feedback. When this happens, the Provider will also update the date of the last revision at the end of the terms. The Provider reserves the right to change the General Terms and Conditions at any time without prior notice, with changes taking effect upon publication.
If the Provider makes significant changes to the way personal data are used or processed, users will be notified in a visible manner or by direct communication before implementing such changes, and their consent may be requested if necessary.
The Provider recommends that users regularly review these General Terms and Conditions to stay informed about the current terms of use and how their privacy is protected. The Provider reserves the right to block access to content or the website for users who violate or act contrary to the Terms and Conditions. If a user’s conduct causes any damage to the Provider, the user is fully liable morally, materially, and criminally.
Any suspected breaches by other users of the website and services can be reported to us by email at info@cresus.si or by mail at:
CRESUS d.o.o., Robindvor 140, 2370 Dravograd.
12. Customer Support and Contact with the Provider
If you have any questions regarding these General Terms and Conditions, the Cookie Policy, the Privacy Policy, orders, payments and payment terms, complaints, or any other issues related to the website and the Provider’s services, including any compliments, comments, or complaints, we are available at:
Email: info@cresus.si
Postal address: CRESUS d.o.o., Robindvor 140, 2370 Dravograd, Slovenia
Phone numbers: +386 51 306 213, +386 41 426 303 (Monday to Friday, 8:00 AM to 2:00 PM)
13. Dispute Resolution and Applicable Law
In accordance with Slovenian legislation, the Provider does not recognize any out-of-court consumer dispute resolution body as competent for resolving potential consumer disputes that the consumer may initiate under the Consumer Alternative Dispute Resolution Act. As a provider of online services and pursuant to relevant legislation, we publish an electronic link to the online dispute resolution platform (ODR). The platform is available to consumers at: http://ec.europa.eu/odr.
The law of the Republic of Slovenia applies to all relations between the Provider and the users.
The Provider and the user undertake to resolve any disputes amicably and by agreement. If this is not possible, the dispute shall be resolved by the competent court.
These Terms and Conditions apply from the date of acceptance until revoked or amended.
These Terms and Conditions were last updated on January 6, 2025.
Dravograd, January 6, 2025
CRESUS, Financial Consulting d.o.o.
General Terms and Conditions of Sale for the Online Store www.cresus.si
1. General
These General Terms and Conditions of Sale for the online store operated by the provider (www.cresus.si) (hereinafter: “General Terms and Conditions of Sale”) govern (i) the operation of the online store owned and managed by CRESUS d.o.o., Robindvor 140, 2370 Dravograd (hereinafter: “provider”), (ii) the provider’s business operations, and (iii) the contractual relationship between the provider and the users of the provider’s online store (hereinafter: “user” or “buyer”). They apply to all purchases, orders, and other services performed by the user through the provider’s online store, except where these General Terms and Conditions explicitly state otherwise. The General Terms and Conditions of Use of the website, Privacy Policy, and Cookie Policy also form an integral part of these General Terms and Conditions of Sale.
The General Terms and Conditions of Sale apply to and bind all users entering into legal relationships with the provider. The general provisions apply to all services, while specific provisions related to individual services or modules may also apply.
The General Terms and Conditions of Sale, together with the order placed via the website www.cresus.si and all its subpages, form an integral part of the contract concluded between the provider and the buyer. If the provider and the user conclude a contract in writing, these General Terms and Conditions of Sale complement the contractual provisions. In case of any inconsistency between the contract and these General Terms and Conditions of Sale, the provisions of the contract concluded between the provider and the user shall prevail.
The provider reserves the right to amend these General Terms and Conditions of Sale without prior notice, including changes to the prices of individual services, with such changes taking effect upon publication on the website www.cresus.si. The provider may notify all users of changes it considers material through its usual communication channels, typically via email. If a user unsubscribes from receiving notifications and news and therefore is not informed of relevant changes due to reasons on their side, the provider shall not be responsible for any issues or consequences arising thereof.
The user or buyer confirms that they have carefully read, understood, agreed to, and fully accept these General Terms and Conditions of Sale.
These General Terms and Conditions of Sale are prepared in accordance with relevant legislation in the fields of consumer protection, electronic communications, data protection, and other applicable laws.
2. User Registration and User Account
Products or services in the online store can be purchased by any (i) adult natural person and (ii) legal entity or natural person registered to conduct business activities.
For successful initial registration on the website www.cresus.si, the user must complete the registration form by:
- entering a valid email address,
- creating a password of their choice,
- appropriately confirming agreement with the provider’s General Terms and Conditions and General Terms and Conditions of Sale, and
- appropriately confirming awareness that the provider processes the user’s personal data in accordance with the Privacy Policy.
Users who are legal entities must additionally provide:
- the company name (business name),
- tax identification number, and
- the company’s business address.
After successful registration, the user will receive a notification email with confirmation of registration and their username. To log into their user account, the user needs their username (or registered email address) and password.
A registered user can review and modify stored personal data at any time, and can also view current and past orders placed through the online store. In case of any changes to the user’s personal data, the user is obliged to immediately update their data in their user profile.
The user is solely responsible for the privacy and secure storage of any username or password used to access their user account and agrees to immediately notify the provider at info@cresus.si if they suspect their account security has been compromised. The user must then change their password. The provider reserves the right to require the user to change their password. If the user does not change the password within three (3) days after receiving such a request, the provider has the right to block the user account until the password is changed.
The provider reserves the right to refuse registration or not to complete it for justified reasons (e.g., abuse, technical issues). By entering their data during login or registration, the user guarantees that the provided information is complete and correct.
Recipient data for those who request deletion in writing (via email) will be deleted in accordance with the rules defined in the Privacy Policy. Data of recipients who neither unsubscribe nor open or click on the newsletters may be deleted within 12 months from the last opened message or click on a link.
Purchase or Order Procedure
Shopping Cart
The buyer places an order on the provider’s website or online store by clicking on the text or button “Add to cart,” after which the buyer is redirected to the “Shopping Cart.” The user can view their shopping cart at any time, located in the top right corner of the provider’s website. It displays all products the user has added to the cart.
The buyer can edit the contents of the shopping cart (e.g., add or remove selected goods or services and change their quantity). To remove an item or service from the shopping cart, the buyer can click on the “x” icon located on the far right of the row specifying that item or service. If changes are generated automatically, the buyer will see the updates after clicking the “Update Cart” icon. For each selected item or service, the current price, quantity, and subtotal are displayed.
If the buyer has a promotional code or discount coupon, they enter the required information in the “Coupon Code” field and confirm by clicking the “Redeem Coupon” icon.
After entering all required data, the buyer proceeds to checkout by clicking the “Proceed to Checkout” icon, which redirects them to the form for entering payer details and payment method.
Payer Information and Payment Method
To successfully place an order, the buyer must fill in the required personal data fields. The form requires the following information:
For natural persons: first name, last name, country/region, street, postal code, city, phone number, and email address,
For legal entities: company name, tax number, country/region, street, postal code, city, phone number, and email address.
The buyer can choose between two payment methods for the selected goods or services: (i) payment by credit card or (ii) payment by bank transfer to the provider’s bank account, which are described in detail in section 4 of these General Terms and Conditions of Sale.
The buyer may also add order notes in the “Additional Information” section (e.g., special delivery instructions, specifying a different delivery address, etc.).
If the buyer has a promotional code or discount coupon, they may also enter it in this step in the “Coupon Code” field and confirm by clicking “Redeem Coupon.”
To complete the order submission, the buyer must explicitly confirm that they agree with the General Terms and Conditions, these General Terms and Conditions of Sale, and acknowledge that the provider processes the buyer’s personal data in accordance with the Privacy Policy. Mandatory fields for successful order submission are marked with an asterisk (*).
Before the final order submission, the buyer can return to the previous step by clicking the “Back” arrow in the browser toolbar.
Order Completion
By clicking the “Buy Now” button at the bottom of the page, the buyer submits a binding offer to purchase the products collected in the shopping cart. By clicking “Buy Now,” the consumer confirms awareness of their payment obligation and that a payment obligation arises.
If any required data is missing or incorrect, the relevant input field will be highlighted in red, and the buyer will receive a warning that the order was not submitted and that correction or input of personal data is necessary.
After successful order submission, the buyer is redirected to the provider’s webpage, where they are informed that the order has been accepted, and additionally informed about the order number, order date, amount to be paid, and chosen payment method. In the case of payment by bank transfer, the buyer also receives provider bank account details and a summary of the shopping cart in this notification. Simultaneously, the buyer receives an email from the provider confirming that the order is being processed, along with an order summary.
After receipt of payment or payment confirmation, the buyer receives an email from the provider confirming order completion, which is when the sales contract between the provider and buyer is considered concluded.
The provider reserves the right to reject an order if the service cannot be performed, the goods are out of stock, or due to obviously incorrect prices caused by errors in automated data transfers, about which the provider will notify the buyer as soon as possible by email. If verification of the accuracy of buyer-supplied data is required, the provider may contact the buyer via the email or phone number provided at order submission.
The confirmed order and thus the contract between the provider and buyer exist electronically at the provider’s registered office. The buyer may request a copy of the confirmed order or contract by emailing info@cresus.si.
The buyer is bound by the provider’s General Terms and Conditions, General Terms and Conditions of Sale, Privacy Policy, Cookie Policy, and any other provider acts published on the provider’s website and valid at the time of order submission or purchase.
The buyer can access the ordered and paid content through their account on www.cresus.si.
Payment Methods
Customers can pay for products in the provider’s online store either (i) by payment card or (ii) by bank transfer to the provider’s bank account.
Payment by Payment Card
Electronic payments in the provider’s online store are processed via the Stripe platform for credit and debit card transactions, where all card payments are secured. All transaction information transmitted by (i) the provider’s website or online store and (ii) Stripe’s systems is encrypted using 256-bit SSL certificates. Purchases in the provider’s online store can be made using MasterCard, Visa, and American Express cards.
The provider ensures measures to reduce fraud in online payments, in accordance with national and European legislation regulating payment services, which in certain cases requires strong customer authentication. Therefore, the provider’s online store is equipped with technical and informational tools enabling two-factor authentication where required.
Bank Transfer or Payment to the Provider’s Bank Account
If the buyer chooses to pay by bank transfer or payment to the provider’s bank account, after completing the order they receive a confirmation email about the order receipt. In this confirmation email, the provider also sends the buyer payment details. The buyer must use the order number stated in the confirmation email as the reference number.
The order must be paid no later than 30 days from receiving the confirmation email with payment details; otherwise, the order will be cancelled.
The order is completed as soon as the payment is visible in the provider’s bank account or the provider receives proof of payment from the buyer at the email address: info@cresus.si.
Prices and Commercial Terms
All prices listed in price lists or on websites are in euros (EUR). Unless otherwise stated, prices include value-added tax (VAT). Prices shown in the provider’s online store apply only to purchases made in that online store.
The provider charges for its services according to the current valid price list, which the buyer pays as a one-time payment at the time of ordering. All terms of purchase, payment, and similar conditions are always stated on the website (or subpage) where the user completes the purchase. The price binding on the buyer is the price valid at the time of order submission.
Due to the nature of the provider’s services (programs and modules, workshops, seminars, etc.), the buyer receives access to ordered content after the buyer has made the payment and the provider has received payment confirmation for the ordered services.
If the service paid for by the buyer is time-limited, the provider will block the buyer’s access to the service after the paid period expires.
The buyer acknowledges and agrees that in case of buyer overpayment, incorrect or double payment, issuance of partial or full credit notes by the provider, or other situations where the provider must refund the buyer or issue additional documents, the provider may charge the buyer administrative fees related to these processes.
Promotional Codes and Discount Coupons
As a special promotion, users may purchase certain products with promotional codes or discount coupons issued periodically by the provider and/or its contractual partners. Promotional codes and discount coupons offer various purchase benefits and are time-limited. Buyers cannot redeem promotional codes or coupons after their expiry date.
Only one promotional code or discount coupon can be used per purchase. These codes do not accumulate and cannot be applied to products already on sale unless explicitly stated otherwise on the provider’s website or online store.
Invoice Issuance
The provider issues an invoice in either physical or electronic form and sends it to the buyer’s residential address or the email address provided by the buyer when placing the order.
The buyer is obliged to verify the correctness of the invoice details before finalizing the order. The buyer must notify the provider of any errors no later than 3 days after receiving the order confirmation. The provider reserves the right not to consider complaints regarding the correctness of issued invoices submitted after this deadline.
Deadlines for Service Delivery and Customer Testimonials
The provider grants access to ordered or purchased educational content immediately or within no more than 48 hours after receiving payment or payment confirmation from the buyer. Other services will be provided within the deadline specified in the offer of each program, workshop, seminar, or other provider service, or within the timeframe explicitly agreed upon between the provider and the buyer.
The provider may change the deadline for service delivery at any time but undertakes to notify the buyer as soon as possible via the contact information provided by the buyer.
By accepting these General Terms and Conditions, buyers agree that the provider may publish buyer statements obtained via emails or phone calls for marketing purposes (e.g., on the website, advertisements, newsletters). The provider undertakes to anonymize the data to prevent user identification unless explicit written consent for publication is obtained from the user.
Delivery
The provider strives for the fastest possible delivery of ordered goods within the territory of the Republic of Slovenia. The provider’s contractual partner for shipment delivery is POŠTA SLOVENIJE d.o.o., which provides its services under its own general terms and conditions. Delivery of ordered goods is carried out within the timeframe stated on the product’s website or communicated to the buyer via email and is delivered to the address specified by the buyer in the order form on the online store. The delivery price for small packages up to 30 kg is €3.50.
The delivery period for shipments is up to seven working days. The day of shipment, Saturdays, Sundays, and holidays are not counted in the delivery time. The delivery time starts on the next working day after the order is placed in the online store. In case of payment by bank transfer, the delivery time starts from the day the provider (online store) receives the payment for the goods.
Due to holidays or weekends, delivery time may be extended. If, for unforeseen reasons, the provider is unable to deliver the order within the promised timeframe, the buyer will be notified of the new delivery deadline via the contact details provided in the order (e.g., phone, email).
Force majeure and similar circumstances, including strikes, war, unforeseen weather conditions, closures, blockades, fire, traffic disruptions, power or raw material supply interruptions, emergencies, declarations of epidemics or pandemics, measures intended for population protection (including movement restrictions) due to infectious diseases, and other government measures not caused by the provider, appropriately extend delivery deadlines. If delivery or services cannot be performed fully or partially for reasons listed above, or if it would cause unreasonable costs to the provider, the provider has the right to withdraw from the contract. The buyer agrees that in such cases, they are not entitled to any compensation for damages resulting from the provider’s withdrawal.
Withdrawal from Order or Contract
The provider may unilaterally withdraw from the contract concluded with the buyer without a cancellation period for reasons stated in the General Terms and Conditions and these General Sales Conditions. The buyer must be notified in writing (including by email) in a timely manner.
If the provider unilaterally cancels the contract due to reasons on its side and prevents the buyer from accessing the content, the provider is obliged to refund the buyer a proportional part of the purchase price for the current month and any prepaid amounts for the disputed service that the buyer has already paid under this contract.
If the provider unilaterally cancels the contract due to the buyer’s breaches of the General Terms and Conditions and/or General Sales Conditions and prevents the buyer from accessing the content, the provider is not obliged to refund either the proportional part of the purchase price for the current month in case of a subscription or any prepaid amounts already paid by the buyer under this contract.
The consumer, by ordering the service pursuant to Articles 132 and 135 of the Consumer Protection Act (ZVPot-1), requests immediate execution of the contract for services and agrees to lose the right to withdraw from the contract once the contract has been fully executed. If the contract is concluded for more than 14 days, the consumer has the right to withdraw from it within 14 days from the date of conclusion without giving any reason. If the contract is concluded for a shorter period, the consumer has the right to withdraw until the end of that shorter period. After the expiration of this period, the contract is fully performed, and therefore the consumer loses the right to withdraw, considering the request for immediate execution.
If the consumer withdraws from the contract during the withdrawal period after requesting immediate execution, the consumer must pay the trader an amount proportional to the services performed under the agreed total price up to the moment the trader was notified of the withdrawal. The consumer must notify the provider of withdrawal in writing, which includes email (info@cresus.si). Legal entities do not have the right to withdraw from the contract within 14 days as consumers do under Article 134 of the ZVPot-1.
Free Trial Period: In the case of promotional offers providing a free trial period, after the expiry of the 14-day free period, the consumer has no right to withdraw from the contract within the following 14 days. The proportional amount will not be charged if the consumer is entitled to the 14-day free trial period.
Buyer’s Claims
The buyer may assert non-compliance of digital content or services performed contrary to the agreement between the parties.
In case of non-compliance of digital content or digital service, the consumer may assert the following claims in hierarchical order:
- Request restoration of conformity of the digital content or digital service,
- Request a proportional reduction of the purchase price, or
- Withdraw from the contract for the supply of digital content or digital service.
The consumer is first entitled to the restoration of conformity of the digital content, unless this is impossible or would cause disproportionate costs to the trader. The provider must remedy the defect free of charge and without significant inconvenience to the consumer within a reasonable time from the moment the buyer reports the defect. If the provider fails to do so, the consumer may exercise secondary legal remedies, namely a proportional price reduction or contract withdrawal.
The consumer’s rights from the previous two paragraphs expire two years from the day the consumer notified the seller of the non-compliance of digital content or digital service.
If, according to the contract on the supply of digital content or digital service, there is a single delivery or a series of individual deliveries of digital content or digital service, the provider is responsible in accordance with Articles 110, 111, 112, 113, and 114 of the ZVPot-1 for any non-compliance of digital content or digital service existing at the time of delivery and appearing within two years from delivery.
If the contract on the supply of digital content or digital service provides continuous delivery over a certain period, the provider is responsible, under Articles 110, 111, 112, 113, and 114 of the ZVPot-1, for non-compliance occurring or manifesting during the delivery period.
In any case, the consumer has the right to claim compensation for damages caused thereby.
All rights and obligations regarding warranty for conformity not specifically regulated by these general terms and conditions are governed by the provisions of the ZVPot-1.
Entities without consumer status under consumer protection regulations may assert material defects on goods in accordance with the general rules of contract law.
Copyrights
In accordance with the law governing copyright and related rights and the law governing intellectual property, copyright-protected works are protected from the moment of their creation and do not require special marking or registration.
The provider holds all moral and economic copyrights in the broadest sense (content, texts, photographs, graphic elements, illustrations or other text presentations, videos, music, etc.) published on the website, in the online store, or used in services, or holds a license for the use of these contents.
Independently of the above, the copyright holder of the content on the mentioned platforms may also be a third party (e.g., a contractual partner or collaborator), and such content is duly marked with the source and author.
The user or buyer under no circumstances acquires any copyrights to educational programs or modules accessible on the provider’s website, where copyrights are owned by the provider or a third party.
The owner of signs and trademarks appearing on the website, in the online store, and in services is the provider or a third party. Any unauthorized use of such signs and trademarks without prior written consent of the rights holder is explicitly prohibited. All signs, including those not registered as trademarks, are protected under copyright law.
The content published by the provider may be viewed only. The provider explicitly prohibits any unauthorized reproduction, distribution, modification, public display and playback, and any other forms of use of any copyrighted work published on the website, in the online store, or used in the scope of services, as well as the use of data or content for purposes other than those explicitly permitted by these General Sales Conditions. If the user violates this prohibition, the provider reserves the right to initiate any proceedings to protect its own interests and the interests of its partners and to prevent the user from further use of the website and services.
The user or buyer who obtains consent from the provider to use specific copyrighted content published by the provider must retain all copyright and industrial property rights notices and other disclaimers or warnings attached to the content by the provider.
Every user or buyer undertakes that when citing or referring to content or data obtained from the website or in connection with the provider’s services, they will create a link to the website www.cresus.si. However, it is not permitted to publish the website’s content and services, including links, on websites with illegal or immoral content. The user and/or owner and/or administrator of the website where the link is published must remove it upon the provider’s request.