TERMS & CONDITIONS

Updated at February 8th, 2024

General Terms

By accessing and placing an order with cro talk, you confirm that you are in agreement with and bound by
the terms of service contained in the Terms & Conditions outlined below. These terms apply to the entire
website and any email or other type of communication between you and cro talk.
Under no circumstances shall cro talk team be liable for any direct, indirect, special, incidental or
consequential damages, including, but not limited to, loss of data or profit, arising out of the use, or the
inability to use, the materials on this site, even if cro talk team or an authorized representative has been
advised of the possibility of such damages. If your use of materials from this site results in the need for
servicing, repair or correction of equipment or data, you assume any costs thereof.
cro talk will not be responsible for any outcome that may occur during the course of usage of our resources.
We reserve the rights to change prices and revise the resources usage policy in any moment.

License

cro talk grants you a revocable, non-exclusive, non-transferable, limited license to download, install and use
the website strictly in accordance with the terms of this Agreement.
These Terms & Conditions are a contract between you and cro talk (referred to in these Terms & Conditions
as “cro talk”, “us”, “we” or “our”), the provider of the cro talk website and the services accessible from the cro
talk website (which are collectively referred to in these Terms & Conditions as the “cro talk Service”).
You are agreeing to be bound by these Terms & Conditions. If you do not agree to these Terms &
Conditions, please do not use the cro talk Service. In these Terms & Conditions, “you” refers both to you as
an individual and to the entity you represent. If you violate any of these Terms & Conditions, we reserve the
right to cancel your account or block access to your account without notice.

Definitions and key terms

To help explain things as clearly as possible in this Terms & Conditions, every time any of these terms are
referenced, are strictly defined as:
– Cookie: small amount of data generated by a website and saved by your web browser. It is used to
identify your browser, provide analytics, remember information about you such as your language
preference or login information.
– Company: when this terms mention “Company,” “we,” “us,” or “our,” it refers to Cro Talk, (Stjepana
Vukovića 4, 42000 Varaždin), that is responsible for your information under this Terms & Conditions.
– Country: where cro talk or the owners/founders of cro talk are based, in this case is Croatia
– Device: any internet connected device such as a phone, tablet, computer or any other device that can
be used to visit cro talk and use the services.
– Service: refers to the service provided by cro talk as described in the relative terms (if available) and on
this platform.
– Third-party service: refers to advertisers, contest sponsors, promotional and marketing partners, and
others who provide our content or whose products or services we think may interest you.
– Website: cro talk’s site, which can be accessed via this URL: crotalk.hr
– You: a person or entity that is registered with cro talk to use the Services.
This Terms & Conditions were created with Termify.

Restrictions

You agree not to, and you will not permit others to:
– License, sell, rent, lease, assign, distribute, transmit, host, outsource, disclose or otherwise
commercially exploit the website or make the platform available to any third party.
– Modify, make derivative works of, disassemble, decrypt, reverse compile or reverse engineer any part
of the website.
– Remove, alter or obscure any proprietary notice (including any notice of copyright or trademark) of cro
talk or its affiliates, partners, suppliers or the licensors of the website.

Payment

If you pay for any of our one-time payment plans, you agree to pay all fees or charges to your account for the
Service in accordance with the fees, charges and billing terms in effect at the time that each fee or charge is
due and payable. Your Payment Provider agreement governs your use of the designated credit card
account, and you must refer to that agreement and not these Terms to determine your rights and liabilities
with respect to your Payment Provider. By providing cro talk with your credit card number and associated
payment information, you agree that cro talk is authorized to verify information immediately, and
subsequently invoice your account for all fees and charges due and payable to cro talk hereunder and that
no additional notice or consent is required. You agree to immediately notify cro talk of any change in your
billing address or the credit card used for payment hereunder. cro talk reserves the right at any time to
change its prices and billing methods, either immediately upon posting on our Site or by e-mail delivery to
your organization’s administrator(s).
Any attorney fees, court costs, or other costs incurred in collection of delinquent undisputed amounts shall
be the responsibility of and paid for by you.
No contract will exist between you and cro talk for the Service until cro talk accepts your order by a
confirmatory e-mail, SMS/MMS message, or other appropriate means of communication.
You are responsible for any third-party fees that you may incur when using the Service.

Return and Refund Policy

Thanks for shopping at cro talk. We appreciate the fact that you like to buy the stuff we build. We also want
to make sure you have a rewarding experience while you’re exploring, evaluating, and purchasing our
products.
As with any shopping experience, there are terms and conditions that apply to transactions at cro talk. We’ll
be as brief as our attorneys will allow. The main thing to remember is that by placing an order or making a
purchase at cro talk, you agree to the terms along with cro talk’s Privacy Policy.
If, for any reason, You are not completely satisfied with any good or service that we provide, don’t hesitate to
contact us and we will discuss any of the issues you are going through with our product.

Your Suggestions

Any feedback, comments, ideas, improvements or suggestions (collectively, “Suggestions”) provided by you
to cro talk with respect to the website shall remain the sole and exclusive property of cro talk.
cro talk shall be free to use, copy, modify, publish, or redistribute the Suggestions for any purpose and in any
way without any credit or any compensation to you.

Your Consent

We’ve updated our Terms & Conditions to provide you with complete transparency into what is being set
when you visit our site and how it’s being used. By using our website, registering an account, or making a
purchase, you hereby consent to our Terms & Conditions.

Links to Other Websites

This Terms & Conditions applies only to the Services. The Services may contain links to other websites not
operated or controlled by cro talk. We are not responsible for the content, accuracy or opinions expressed in
such websites, and such websites are not investigated, monitored or checked for accuracy or completeness
by us. Please remember that when you use a link to go from the Services to another website, our Terms &
Conditions are no longer in effect. Your browsing and interaction on any other website, including those that
have a link on our platform, is subject to that website’s own rules and policies. Such third parties may use
their own cookies or other methods to collect information about you.

Cookies

cro talk uses “Cookies” to identify the areas of our website that you have visited. A Cookie is a small piece of
data stored on your computer or mobile device by your web browser. We use Cookies to enhance the
performance and functionality of our website but are non-essential to their use. However, without these
cookies, certain functionality like videos may become unavailable or you would be required to enter your
login details every time you visit the website as we would not be able to remember that you had logged in
previously. Most web browsers can be set to disable the use of Cookies. However, if you disable Cookies,
you may not be able to access functionality on our website correctly or at all. We never place Personally
Identifiable Information in Cookies.

Changes To Our Terms & Conditions

You acknowledge and agree that cro talk may stop (permanently or temporarily) providing the Service (or
any features within the Service) to you or to users generally at cro talk’s sole discretion, without prior notice
to you. You may stop using the Service at any time. You do not need to specifically inform cro talk when you
stop using the Service. You acknowledge and agree that if cro talk disables access to your account, you may
be prevented from accessing the Service, your account details or any files or other materials which is
contained in your account.
If we decide to change our Terms & Conditions, we will post those changes on this page, and/or update the
Terms & Conditions modification date below.

Modifications to Our website

cro talk reserves the right to modify, suspend or discontinue, temporarily or permanently, the website or any
service to which it connects, with or without notice and without liability to you.

Updates to Our website

cro talk may from time to time provide enhancements or improvements to the features/ functionality of the
website, which may include patches, bug fixes, updates, upgrades and other modifications (“Updates”).
Updates may modify or delete certain features and/or functionalities of the website. You agree that cro talk
has no obligation to (i) provide any Updates, or (ii) continue to provide or enable any particular features
and/or functionalities of the website to you.
You further agree that all Updates will be (i) deemed to constitute an integral part of the website, and (ii)
subject to the terms and conditions of this Agreement.

Third-Party Services

We may display, include or make available third-party content (including data, information, applications and
other products services) or provide links to third-party websites or services (“Third- Party Services”).
You acknowledge and agree that cro talk shall not be responsible for any Third-Party Services, including
their accuracy, completeness, timeliness, validity, copyright compliance, legality, decency, quality or any
other aspect thereof. cro talk does not assume and shall not have any liability or responsibility to you or any
other person or entity for any Third-Party Services.
Third-Party Services and links thereto are provided solely as a convenience to you and you access and use
them entirely at your own risk and subject to such third parties’ terms and conditions.

Term and Termination

This Agreement shall remain in effect until terminated by you or cro talk.
cro talk may, in its sole discretion, at any time and for any or no reason, suspend or terminate this
Agreement with or without prior notice.
This Agreement will terminate immediately, without prior notice from cro talk, in the event that you fail to
comply with any provision of this Agreement. You may also terminate this Agreement by deleting the website
and all copies thereof from your computer.
Upon termination of this Agreement, you shall cease all use of the website and delete all copies of the
website from your computer.
Termination of this Agreement will not limit any of cro talk’s rights or remedies at law or in equity in case of
breach by you (during the term of this Agreement) of any of your obligations under the present Agreement.

Copyright Infringement Notice

If you are a copyright owner or such owner’s agent and believe any material on our website constitutes an
infringement on your copyright, please contact us setting forth the following information: (a) a physical or
electronic signature of the copyright owner or a person authorized to act on his behalf; (b) identification of the
material that is claimed to be infringing; (c) your contact information, including your address, telephone
number, and an email; (d) a statement by you that you have a good faith belief that use of the material is not
authorized by the copyright owners; and (e) the a statement that the information in the notification is
accurate, and, under penalty of perjury you are authorized to act on behalf of the owner.

Indemnification

You agree to indemnify and hold cro talk and its parents, subsidiaries, affiliates, officers, employees, agents,
partners and licensors (if any) harmless from any claim or demand, including reasonable attorneys’ fees, due
to or arising out of your: (a) use of the website; (b) violation of this Agreement or any law or regulation; or (c)
violation of any right of a third party.

No Warranties

The website is provided to you “AS IS” and “AS AVAILABLE” and with all faults and defects without warranty
of any kind. To the maximum extent permitted under applicable law, cro talk, on its own behalf and on behalf
of its affiliates and its and their respective licensors and service providers, expressly disclaims all warranties,
whether express, implied, statutory or otherwise, with respect to the website, including all implied warranties
of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise
out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing,
cro talk provides no warranty or undertaking, and makes no representation of any kind that the website will
meet your requirements, achieve any intended results, be compatible or work with any other software,
websites, systems or services, operate without interruption, meet any performance or reliability standards or
be error free or that any errors or defects can or will be corrected.
Without limiting the foregoing, neither cro talk nor any cro talk’s provider makes any representation or
warranty of any kind, express or implied: (i) as to the operation or availability of the website, or the
information, content, and materials or products included thereon; (ii) that the website will be uninterrupted or
error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the
website; or (iv) that the website, its servers, the content, or e-mails sent from or on behalf of cro talk are free
of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.
Some jurisdictions do not allow the exclusion of or limitations on implied warranties or the limitations on the
applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not
apply to you.

Limitation of Liability

Notwithstanding any damages that you might incur, the entire liability of cro talk and any of its suppliers
under any provision of this Agreement and your exclusive remedy for all of the foregoing shall be limited to
the amount actually paid by you for the website.
To the maximum extent permitted by applicable law, in no event shall cro talk or its suppliers be liable for any
special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for
loss of profits, for loss of data or other information, for business interruption, for personal injury, for loss of
privacy arising out of or in any way related to the use of or inability to use the website, third-party software
and/or third-party hardware used with the website, or otherwise in connection with any provision of this
Agreement), even if cro talk or any supplier has been advised of the possibility of such damages and even if
the remedy fails of its essential purpose.
Some states/jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so
the above limitation or exclusion may not apply to you.

Severability

If any provision of this Agreement is held to be unenforceable or invalid, such provision will be changed and
interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable
law and the remaining provisions will continue in full force and effect.
This Agreement, together with the Privacy Policy and any other legal notices published by cro talk on the
Services, shall constitute the entire agreement between you and cro talk concerning the Services. If any
provision of this Agreement is deemed invalid by a court of competent jurisdiction, the invalidity of such
provision shall not affect the validity of the remaining provisions of this Agreement, which shall remain in full
force and effect. No waiver of any term of this Agreement shall be deemed a further or continuing waiver of
such term or any other term, and cro talk’s failure to assert any right or provision under this Agreement shall
not constitute a waiver of such right or provision. YOU AND cro talk AGREE THAT ANY CAUSE OF ACTION
ARISING OUT OF OR RELATED TO THE SERVICES MUST COMMENCE WITHIN ONE (1) YEAR AFTER
THE CAUSE OF ACTION ACCRUES. OTHERWISE, SUCH CAUSE OF ACTION IS PERMANENTLY
BARRED.

Waiver

Except as provided herein, the failure to exercise a right or to require performance of an obligation under this
Agreement shall not effect a party’s ability to exercise such right or require such performance at any time
thereafter nor shall be the waiver of a breach constitute waiver of any subsequent breach.
No failure to exercise, and no delay in exercising, on the part of either party, any right or any power under
this Agreement shall operate as a waiver of that right or power. Nor shall any single or partial exercise of any
right or power under this Agreement preclude further exercise of that or any other right granted herein. In the
event of a conflict between this Agreement and any applicable purchase or other terms, the terms of this
Agreement shall govern.

Amendments to this Agreement

cro talk reserves the right, at its sole discretion, to modify or replace this Agreement at any time. If a revision
is material we will provide at least 30 days’ notice prior to any new terms taking effect. What constitutes a
material change will be determined at our sole discretion.
By continuing to access or use our website after any revisions become effective, you agree to be bound by
the revised terms. If you do not agree to the new terms, you are no longer authorized to use cro talk.

Entire Agreement

The Agreement constitutes the entire agreement between you and cro talk regarding your use of the website
and supersedes all prior and contemporaneous written or oral agreements between you and cro talk.
You may be subject to additional terms and conditions that apply when you use or purchase other cro talk’s
services, which cro talk will provide to you at the time of such use or purchase.

Updates to Our Terms

We may change our Service and policies, and we may need to make changes to these Terms so that they
accurately reflect our Service and policies. Unless otherwise required by law, we will notify you (for example,
through our Service) before we make changes to these Terms and give you an opportunity to review them
before they go into effect. Then, if you continue to use the Service, you will be bound by the updated Terms.
If you do not want to agree to these or any updated Terms, you can delete your account.

Intellectual Property

The website and its entire contents, features and functionality (including but not limited to all information,
software, text, displays, images, video and audio, and the design, selection and arrangement thereof), are
owned by cro talk, its licensors or other providers of such material and are protected by Croatia and
international copyright, trademark, patent, trade secret and other intellectual property or proprietary rights
laws. The material may not be copied, modified, reproduced, downloaded or distributed in any way, in whole
or in part, without the express prior written permission of cro talk, unless and except as is expressly provided
in these Terms & Conditions. Any unauthorized use of the material is prohibited.

Agreement to Arbitrate

This section applies to any dispute EXCEPT IT DOESN’T INCLUDE A DISPUTE RELATING TO CLAIMS
FOR INJUNCTIVE OR EQUITABLE RELIEF REGARDING THE ENFORCEMENT OR VALIDITY OF YOUR
OR cro talk’s INTELLECTUAL PROPERTY RIGHTS. The term “dispute” means any dispute, action, or other
controversy between you and cro talk concerning the Services or this agreement, whether in contract,
warranty, tort, statute, regulation, ordinance, or any other legal or equitable basis. “Dispute” will be given the
broadest possible meaning allowable under law.

Notice of Dispute

In the event of a dispute, you or cro talk must give the other a Notice of Dispute, which is a written statement
that sets forth the name, address, and contact information of the party giving it, the facts giving rise to the
dispute, and the relief requested. You must send any Notice of Dispute via email to: info@crotalk.hr. cro talk
will send any Notice of Dispute to you by mail to your address if we have it, or otherwise to your email
address. You and cro talk will attempt to resolve any dispute through informal negotiation within sixty (60)
days from the date the Notice of Dispute is sent. After sixty (60) days, you or cro talk may commence
arbitration.

Binding Arbitration

If you and cro talk don’t resolve any dispute by informal negotiation, any other effort to resolve the dispute
will be conducted exclusively by binding arbitration as described in this section. You are giving up the right to
litigate (or participate in as a party or class member) all disputes in court before a judge or jury. The dispute
shall be settled by binding arbitration in accordance with the commercial arbitration rules of the American
Arbitration Association. Either party may seek any interim or preliminary injunctive relief from any court of
competent jurisdiction, as necessary to protect the party’s rights or property pending the completion of
arbitration. Any and all legal, accounting, and other costs, fees, and expenses incurred by the prevailing
party shall be borne by the non-prevailing party.

Submissions and Privacy

In the event that you submit or post any ideas, creative suggestions, designs, photographs, information,
advertisements, data or proposals, including ideas for new or improved products, services, features,
technologies or promotions, you expressly agree that such submissions will automatically be treated as
non-confidential and non-proprietary and will become the sole property of cro talk without any compensation
or credit to you whatsoever. cro talk and its affiliates shall have no obligations with respect to such
submissions or posts and may use the ideas contained in such submissions or posts for any purposes in any
medium in perpetuity, including, but not limited to, developing, manufacturing, and marketing products and
services using such ideas.

Promotions

cro talk may, from time to time, include contests, promotions, sweepstakes, or other activities (“Promotions”)
that require you to submit material or information concerning yourself. Please note that all Promotions may
be governed by separate rules that may contain certain eligibility requirements, such as restrictions as to age
and geographic location. You are responsible to read all Promotions rules to determine whether or not you
are eligible to participate. If you enter any Promotion, you agree to abide by and to comply with all
Promotions Rules.
Additional terms and conditions may apply to purchases of goods or services on or through the Services,
which terms and conditions are made a part of this Agreement by this reference.

Typographical Errors

In the event a product and/or service is listed at an incorrect price or with incorrect information due to
typographical error, we shall have the right to refuse or cancel any orders placed for the product and/or
service listed at the incorrect price. We shall have the right to refuse or cancel any such order whether or not
the order has been confirmed and your credit card charged. If your credit card has already been charged for
the purchase and your order is canceled, we shall immediately issue a credit to your credit card account or
other payment account in the amount of the charge.

Miscellaneous

If for any reason a court of competent jurisdiction finds any provision or portion of these Terms & Conditions
to be unenforceable, the remainder of these Terms & Conditions will continue in full force and effect. Any
waiver of any provision of these Terms & Conditions will be effective only if in writing and signed by an
authorized representative of cro talk. cro talk will be entitled to injunctive or other equitable relief (without the
obligations of posting any bond or surety) in the event of any breach or anticipatory breach by you. cro talk
operates and controls the cro talk Service from its offices in Croatia. The Service is not intended for
distribution to or use by any person or entity in any jurisdiction or country where such distribution or use
would be contrary to law or regulation. Accordingly, those persons who choose to access the cro talk Service
from other locations do so on their own initiative and are solely responsible for compliance with local laws, if
and to the extent local laws are applicable. These Terms & Conditions (which include and incorporate the cro
talk Privacy Policy) contains the entire understanding, and supersedes all prior understandings, between you
and cro talk concerning its subject matter, and cannot be changed or modified by you. The section headings
used in this Agreement are for convenience only and will not be given any legal import.

Disclaimer

cro talk is not responsible for any content, code or any other imprecision.
cro talk does not provide warranties or guarantees.
In no event shall cro talk be liable for any special, direct, indirect, consequential, or incidental damages or
any damages whatsoever, whether in an action of contract, negligence or other tort, arising out of or in
connection with the use of the Service or the contents of the Service. The Company reserves the right to
make additions, deletions, or modifications to the contents on the Service at any time without prior notice.
The cro talk Service and its contents are provided “as is” and “as available” without any warranty or
representations of any kind, whether express or implied. cro talk is a distributor and not a publisher of the
content supplied by third parties; as such, cro talk exercises no editorial control over such content and makes
no warranty or representation as to the accuracy, reliability or currency of any information, content, service or
merchandise provided through or accessible via the cro talk Service. Without limiting the foregoing, cro talk
specifically disclaims all warranties and representations in any content transmitted on or in connection with
the cro talk Service or on sites that may appear as links on the cro talk Service, or in the products provided
as a part of, or otherwise in connection with, the cro talk Service, including without limitation any warranties
of merchantability, fitness for a particular purpose or non-infringement of third party rights. No oral advice or
written information given by cro talk or any of its affiliates, employees, officers, directors, agents, or the like
will create a warranty. Price and availability information is subject to change without notice. Without limiting
the foregoing, cro talk does not warrant that the cro talk Service will be uninterrupted, uncorrupted, timely, or
error-free.

Contact Us

Don’t hesitate to contact us if you have any questions.
– Via Email: info@crotalk.hr