Terms of Service

Acceptance of Terms

By accessing and using the services provided by OrbitMechanic d.o.o. ("OrbitMechanic", "we", "our", or "us"), you accept and agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use our services or website.

Company Information

Services Description

OrbitMechanic provides financial analysis services, specifically loan vs line of credit comparison and advisory services. Our services include:

• Comprehensive loan analysis and comparison
• Line of credit evaluation and assessment
• Financial consultation and advisory services
• Cost comparison and risk assessment reports
• Documentation review and recommendations

User Obligations

By using our services, you agree to:

• Provide accurate, complete, and truthful information
• Use our services only for lawful purposes
• Respect the confidentiality of any proprietary information shared
• Pay all applicable fees in accordance with our pricing terms
• Not misuse, copy, or distribute our proprietary analysis methods
• Comply with all applicable laws and regulations

Payment Terms

Payment for our services is due according to the following terms:

• Payment is required before delivery of analysis reports
• All prices are quoted in Euros (EUR) and include applicable VAT
• Payment can be made via bank transfer or other agreed methods
• Late payment may result in suspension of services
• Refunds are subject to our cancellation policy

Intellectual Property

All content, analysis methods, reports, and materials provided by OrbitMechanic are protected by intellectual property rights. You acknowledge that:

• OrbitMechanic retains all rights to its proprietary analysis methods and systems
• Reports and analyses are provided for your personal or business use only
• You may not reproduce, distribute, or create derivative works without written consent
• Any feedback or suggestions you provide may be used by OrbitMechanic without obligation
• Third-party content and trademarks remain the property of their respective owners

Disclaimer of Warranties

Our services are provided "as is" and "as available" without warranties of any kind. We disclaim all warranties, whether express, implied, or statutory, including but not limited to:

• Warranties of merchantability or fitness for a particular purpose
• Warranties regarding the accuracy or completeness of information
• Warranties that our services will meet your specific requirements
• Warranties that our services will be uninterrupted or error-free

Limitation of Liability

To the fullest extent permitted by law, OrbitMechanic shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Cost of substitute goods or services
• Personal injury or property damage
• Any damages arising from decisions made based on our analysis

Our total liability for any claim shall not exceed the amount paid by you for the specific service giving rise to the claim.

Professional Advice Disclaimer

Our analysis and recommendations are for informational purposes only and do not constitute professional financial, legal, or investment advice. You should consult with qualified professionals before making any financial decisions. We are not licensed financial advisors, and our services do not replace professional financial planning or legal counsel.

Confidentiality

We maintain strict confidentiality regarding all client information and will not disclose your personal or financial information to third parties except as required by law or with your explicit consent. This confidentiality obligation survives the termination of our services.

Termination

Either party may terminate the service relationship at any time with written notice. Upon termination:

• You remain liable for all fees incurred prior to termination
• We will complete any analysis already in progress
• Confidentiality obligations continue indefinitely
• You must cease using any proprietary materials or methods

Governing Law

These Terms of Service are governed by and construed in accordance with the laws of Slovenia and the European Union. Any disputes arising from these terms or our services shall be subject to the exclusive jurisdiction of the courts of Slovenia.

Dispute Resolution

We encourage clients to contact us directly to resolve any concerns. If a dispute cannot be resolved through direct communication, it shall be resolved through binding arbitration in accordance with Slovenian arbitration rules, or through the competent courts in Slovenia.

Data Protection

We process your personal data in accordance with our Privacy Policy and applicable data protection laws, including the General Data Protection Regulation (GDPR). By using our services, you consent to the collection and processing of your personal data as described in our Privacy Policy.

Force Majeure

OrbitMechanic shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, government actions, or technical failures.

Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective upon posting on our website. Your continued use of our services after any changes constitutes acceptance of the new terms. We recommend reviewing these terms periodically.

Severability

If any provision of these Terms of Service is found to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect. The invalid provision shall be replaced with a valid provision that most closely reflects the original intent.

Contact Information

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

By using OrbitMechanic's services, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.