Terms of Use

These terms of use (the “Terms”) govern your access and use of the website https://rizikko.com (the “Website”) and the products and services (the “Services”) offered by Rizikko.com (the “Company”, “we”, “us”, or “our”). By using our Website or Services, you 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.

Eligibility

You must be at least 18 years old to use our Website or Services. By using our Website or Services, you represent and warrant that you are 18 years or older and that you have the legal capacity to enter into this agreement.

Account Registration

To access some features of our Website or Services, you may need to register an account with us. You are responsible for providing accurate and complete information when creating your account and for keeping your account secure. You are also responsible for all activities that occur under your account and for notifying us immediately if you suspect any unauthorized access or use of your account. We reserve the right to suspend or terminate your account at any time for any reason, with or without notice.

License and Restrictions

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use our Website and Services for your personal and non-commercial purposes, subject to these Terms and in compliance with all applicable laws and regulations. You may not:

• Copy, modify, distribute, sell, lease, rent, sublicense, or create derivative works of our Website or Services or any part thereof
• Reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code or algorithms of our Website or Services or any part thereof
• Use our Website or Services for any illegal, fraudulent, harmful, abusive, harassing, defamatory, obscene, hateful, discriminatory, or otherwise objectionable purposes
• Use our Website or Services to transmit any unsolicited or unauthorized advertising, promotional materials, junk mail, spam, or other forms of solicitation
• Use our Website or Services to transmit any viruses, worms, trojans, or other malicious code that may damage or interfere with the operation of our Website or Services or any third party’s devices, data, or systems
• Use any automated means to access, monitor, scrape, collect, or extract data from our Website or Services
• Interfere with or disrupt the availability, performance, security, or functionality of our Website or Services
• Attempt to gain unauthorized access to our Website or Services or any accounts, systems, or networks connected to them
• Impersonate any person or entity or misrepresent your affiliation with any person or entity
• Violate the rights of any third party, including intellectual property rights, privacy rights, contractual rights, or any other rights

We reserve the right to monitor your use of our Website and Services and to enforce these Terms at any time. We also reserve the right to modify, suspend, or discontinue our Website and Services at any time, with or without notice, and without liability to you.

Intellectual Property Rights

We own all rights, title, and interest in and to our Website and Services and all content, features, and functionality thereof, including but not limited to text, graphics, images, logos, trademarks, software, data, and code (collectively, the “Content”). The Content is protected by intellectual property laws and international treaties. You acknowledge that you do not acquire any ownership rights in the Content by using our Website or Services. You may not use, copy, display, distribute, modify, or reproduce the Content without our prior written consent. You retain all rights in and to any content that you upload, post, submit, or otherwise provide to us through our Website or Services (the “User Content”). By providing User Content to us, you grant us a non-exclusive, worldwide, royalty-free, perpetual, irrevocable, sublicensable, and transferable license to use, copy, display, distribute, modify, and reproduce the User Content for the purposes of providing and improving our Website and Services. You also grant us the right to use your name and likeness in connection with the User Content. You represent and warrant that you have the right to provide the User Content to us and that the User Content does not infringe any third party’s rights. We do not endorse, verify, or assume any responsibility for the User Content. We reserve the right to remove or disable access to any User Content at any time for any reason, with or without notice. We also reserve the right to disclose User Content as required by law or as necessary to protect our rights or the rights of others.

Feedback

We welcome and appreciate your feedback, suggestions, and ideas about our Website and Services (the “Feedback”). By providing Feedback to us, you agree that we may use and share the Feedback for any purpose without any compensation or obligation to you. You also agree that the Feedback is not confidential and that you waive any moral rights or claims of attribution in the Feedback.

Third Party Links and Services

Our Website and Services may contain links to or integrate with third party websites, applications, or services that are not owned or controlled by us (the “Third Party Services”). We are not responsible for the content, quality, accuracy, reliability, security, or functionality of the Third Party Services. We do not endorse or assume any liability for the Third Party Services. Your access and use of the Third Party Services is solely at your own risk and subject to the terms and conditions of the Third Party Services. You should review the terms and conditions and privacy policies of the Third Party Services before using them.

Disclaimer of Warranties

Our Website and Services are provided “as is” and “as available” without any warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy. We do not warrant that our Website or Services will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We do not warrant that the results obtained from the use of our Website or Services will be accurate, reliable, or satisfactory. You acknowledge and agree that your use of our Website or Services is at your own risk and discretion.

Limitation of Liability

To the fullest extent permitted by law, we and our affiliates, directors, officers, employees, agents, licensors, and service providers will not be liable for any direct, indirect, incidental, consequential, special, exemplary, or punitive damages arising out of or in connection with your use of or inability to use our Website or Services or any content, products, or services available through our Website or Services, whether based on contract, tort, negligence, strict liability, or any other legal theory, even if we have been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some or all of the above exclusions or limitations may not apply to you. In no event will our total liability to you for all damages, losses, and causes of action exceed the amount paid by you for accessing or using our Website or Services in the 12 months preceding the event giving rise to the claim.

Indemnification

You agree to indemnify, defend, and hold harmless us and our affiliates, directors, officers, employees, agents, licensors, and service providers from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your use of or access to our Website or Services or your violation of these Terms or any applicable laws or regulations. We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you and you agree to cooperate with us in such defense. You agree not to settle any matter without our prior written consent.

Dispute Resolution

Any dispute arising out of or relating to these Terms or your use of or access to our Website or Services will be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitration will be conducted by a single arbitrator in English and will take place in Belgrade, Serbia. The arbitrator’s decision will be final and binding and may be enforced in any court of competent jurisdiction. You agree to waive any right to a jury trial or to participate in a class action lawsuit or arbitration. You also agree that any claim or cause of action arising out of or relating to these Terms or your use of or access to our Website or Services must be brought within one year after the claim or cause of action arises or it will be forever barred.

Governing Law

These Terms and your use of our Website and Services will be governed by and construed in accordance with the laws of Serbia, without regard to its conflict of laws principles. You agree to submit to the personal jurisdiction and venue of the courts located in Belgrade, Serbia for any legal action arising out of or relating to these Terms or your use of our Website or Services.

Changes to These Terms

We may revise and update these Terms from time to time at our sole discretion. We will notify you of any changes by posting the new Terms on our Website or sending you an email. The changes will be effective immediately upon posting or sending. Your continued use of our Website or Services after the changes constitutes your acceptance of the new Terms. You should review these Terms