Terms of Service

Last updated: June 15, 2026

Welcome to FinStructura (https://finstructura.org). By accessing or using this website, you agree to comply with and be bound by the following Terms of Service. If you do not agree with these terms, please discontinue use of the website immediately.

1. Purpose of the Website

FinStructura is an independent educational platform operated by Milan Jović. We publish informational and educational content related to personal finance, digital banking, budgeting, financial systems, payment technology, and financial awareness.

Important: FinStructura does not provide:

  • Financial advice
  • Investment recommendations
  • Tax guidance
  • Legal consultation
  • Brokerage services
  • Portfolio management
  • Personal financial planning services

All content is provided for general informational and educational purposes only. Nothing on this website should be interpreted as a recommendation, solicitation, or endorsement of any financial product, service, or investment strategy.

2. No Professional Relationship

Use of this website does not create any professional, advisory, fiduciary, or client relationship between you and Milan Jović, FinStructura, or any contributor to the website.

You are solely responsible for your own financial, legal, and investment decisions. We strongly recommend consulting with a qualified financial advisor, accountant, or legal professional before making any financial decisions based on information found on this website.

3. Accuracy of Information

We make reasonable efforts to ensure that the information published on FinStructura is accurate and up to date at the time of publication. However, financial regulations, banking policies, market conditions, and technology evolve continuously.

We do not guarantee the completeness, reliability, or continued accuracy of all information. Content may be updated, modified, or removed without prior notice. You should independently verify any information before acting on it.

4. Jurisdictional Considerations

Information provided on FinStructura is general in nature and may not apply equally across all countries, regions, or regulatory environments. Financial laws, tax rules, and banking regulations vary by jurisdiction.

You are responsible for ensuring that your use of the information on this website complies with the laws and regulations applicable in your specific location.

5. Intellectual Property

All original content published on FinStructura, including articles, text, graphics, images, branding, logos, and website design, is the intellectual property of Milan Jović and is protected by applicable copyright and intellectual property laws.

You may not copy, reproduce, distribute, republish, or create derivative works from our content without prior written permission.

Permitted use: Limited quotations for personal, academic, research, or informational purposes are permitted when proper attribution is provided, including a link back to the original article.

6. Third-Party Links and Advertising

This website may contain links to external websites and may display advertisements through third-party services, including Google AdSense.

FinStructura does not control the content, policies, or practices of third-party websites or advertising partners. Your interactions with third-party services are undertaken at your own discretion and risk.

We are not responsible for any claims, damages, or losses arising from your use of third-party websites or services linked from FinStructura.

7. Limitation of Liability

To the fullest extent permitted by applicable law, Milan Jović, FinStructura, and its affiliates shall not be liable for any direct, indirect, incidental, consequential, or punitive damages arising from:

  • Your use of or inability to use this website
  • Any content accessed through this website
  • Any financial decisions made based on information from this website
  • Any errors, omissions, or inaccuracies in our content
  • Any unauthorized access to or alteration of your data

You use this website and rely on its content entirely at your own discretion and risk.

8. User Conduct

By using FinStructura, you agree not to:

  • Use the website for any unlawful purpose
  • Attempt to interfere with the website’s operation, security, or functionality
  • Introduce viruses, malware, or other harmful code
  • Scrape, harvest, or systematically collect content without permission
  • Impersonate any person or entity
  • Engage in any activity that disrupts the website or its servers

Any misuse of the website may result in restricted access, termination of service, or legal action where appropriate.

9. Disclaimer of Warranties

FinStructura is provided on an “as is” and “as available” basis without warranties of any kind, either express or implied. We do not warrant that:

  • The website will be available at all times or without interruption
  • The content is accurate, complete, or error-free
  • The website is free from viruses or other harmful components
  • The results of using the website will meet your expectations

10. Changes to These Terms

We may update these Terms of Service from time to time. Continued use of the website after changes are posted constitutes your acceptance of the revised terms. We encourage you to review this page periodically.

11. Governing Law

These Terms of Service shall be governed by and construed in accordance with the laws of Bosnia and Herzegovina, without regard to its conflict of law principles. Any disputes arising from these terms shall be subject to the exclusive jurisdiction of the courts of Bosnia and Herzegovina.

12. Contact Information

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