Terms and Conditions

Introduction

These are the terms and conditions of use for MS Platform (“Terms and conditions”), an all-in-one financial platform MojSkrbnik (“MS Platform”). 

The MS Platform brings a number of functionalities that helps You on the way to transparent and orderly personal finance by offering all in one place – traditional and crypto finance (“Services”).

MS Platform and Services are accessible at www.mojskrbnik.com (“Website”) and associated mobile applications (“App”).

MS Platform and the Services are owned, provided and operated by Vezovišek & Partnerji d.o.o., podjetniško in poslovno svetovanje, d.o.o., Ameriška ulica 8, 1000 Ljubljana, registration number 1532421000, tax number 74086928 (“V&P”).

Vezovišek & Partnerji d.o.o. company profile

Vezovišek & Partnerji, podjetniško in poslovno svetovanje, d.o.o.

Ameriška ulica 8

SI – 1000 Ljubljana, Slovenia

Bank account: SI56 6100 0000 9556 787 (Delavska hranilnica d.d., Ljubljana, Slovenia)

VAT ID and tax number: SI 74086928

Registration number: 1532421000

Court register entry 2000/13329400, Ljubljana District Court, Slovenia

Date of entry of the entity into the register: 21 June 2000

Agreement and Acceptance of Terms and Conditions

These Terms and conditions of use form our legally binding agreement with You in relation to the provided Website, App, MS Platform and Services (“Agreement”). The Agreement sets out all the conditions on which we will provide the Website, App, MS Platform and our Services to you, and applies to You whether You are only visiting the Website or App or have registered to be a user of MS Platform and the Services (‘’You’’, “User”). If You intend to become a User, You must accept these Terms and conditions as part of the registration process. 

You may not accept the Agreement and use MS Platform or any of the provided Services, if You are not legally authorized to accept and be bound by these Terms and conditions or are not at least 18 years of age or of other legal age, according to your relevant jurisdiction, to form a binding contract with Vezovišek & Partnerji d.o.o.

You can only use MS Platform and the Services if permitted under the laws of your jurisdiction. Please make sure that these Terms and conditions comply with all laws, rules, and regulations that apply to you. By using MS Platform and the Services, You represent and warrant that You meet all eligibility requirements that we outline in these Terms and conditions. 

Services

The Services are comprised of the following functionalities, delivered to You through MS Platform, as follows:

▪ Portfolio 

▪ Accounts

▪ Watchlist

▪ Communication centre

▪ News 

Description of the Services

▪ Portfolio – all assets in one place

The Portfolio allows You to enter information about your specific investments (e.g. savings bank account, brokerage account for securities, mutual fund account, separate insurance and pension accounts, private equity, gold, crypto currencies). For each investment You must enter the information about the type of investment, number of units, and its purchase price. The information on the value of a specific investment will then be regularly updated. The information on the price of securities will be based on their end-of-day data, provided by a Third Party Data provider – EOD Historical Data. Even if You decide not to enter the information on your investments, You will still be able to use the MS Platform, while the portfolio balance will equal zero.

You can classify each investment in three different classes: Savings and Investment for long term investments, Liquidity for investments for emergency cases and Wallet for funds for regular use. You can also use the MS Platform by classifying all investments within a single class; however, for the full user experience we advise that You use the feature as intended to improve the overview of your investments and finance. The platform enables You to change the purpose of your investment or add a new investment at any given time.

After the entry of data, the MS Platform provides You with a structured and clear overview (i.e. graphs portfolio, etc), while all the data is regularly updated each time You open the MS Platform.

▪ Accounts 

The Accounts Service enables the Users to connect to their bank accounts, while also displaying all other Vendors of User’s investments (“Linked Accounts”). The link with the selected bank account will allow the User to check the account balance (according to the screen scraping system) in specific bank accounts from the pre-set list of banks (“Account Information”). The banks, which currently provide such information in Slovenia, include: NLB d.d., Nova KBM d.d., Abanka d.d. and Intesa Sanpaolo Bank d.d., as well as N26 and Revolut. Please note that the User accesses the selected bank account under the same conditions as if they were accessing their bank directly, i.e. by using the same login credentials (the same password and user name). Due to the banks’ requirements the refreshing of data is not automatic, but – in order to refresh the information from the bank account in the MS Platform – the User must repeat the procedure for accessing their bank.

▪ Communication centre

Communication centre is available to You for: 

– communication with MS Platform’s support;

– communicating and sharing information with an advisor, chosen by the User (hereinafter the “Advisor”), that performs advising services considering the field of Advisor’s profession (hereinafter the “Advising Services”) and provides an advice (hereinafter the “Advice”). 

History of communication is safely stored and archived in Communication Centre, where You have an option to save files and documents, and to share them with Advisor. Under advisor privileges, you can also allow or deny your Advisor overview of a specific category of assets at your portfolio.

▪ Advisors

Detailed description of this Service is available to you below.

▪ News 

So that You do not need to search for financial information online or through other specialised third-party applications, You can receive them all in one place, i.e. the MS Platform. The MS Platform regularly collects financial news from different sources, e.g. Bloomberg, Yahoo! Finance and others. You can monitor the price of securities, the most recent news and sources related to the management of their portfolio, the information on international markets, engage in social interaction, as well as many other things 24/7. 

Registration Information 

In order to use MS Platform and the Services, You will need to register for a user account with V&P (“MS Account”). To open a MS account, You must provide the following information: name, surname, email and country of residence. You must also create your password and a 4-digit PIN number to access your MS account. You agree and understand that You are responsible for maintaining the confidentiality of your MS Account login information, password and PIN, which, together with your e-mail address, allow You to access the MS Platform. The provided information (name, surname, email, country of residence, password and PIN) make up “Registration Information”. Prior to registering your MS account, You must confirm your acceptance of these Terms and Condition and Privacy Policy.

If You become aware of any unauthorized use of your Registration Information, You agree to notify V&P immediately at the e-mail address ekipa@vezovisek.si. If You believe that your Registration Information or device that You use to access the MS Platform has been lost or stolen or that someone is using your account without your permission, You must notify us immediately by sending an email on ekipa@vezovisek.si in order for us to try to minimize your possible losses.

Home

On the MS Portfolio homepage the control panel will open, displaying: the current portfolio balance (provided that the User entered the relevant information into the MS Platform), the value of selected securities and crypto currencies (Top 3), the selected recent news and the most recent messages from the advisor/consultant (provided that the User selects and communicates with one). By clicking any of these categories the User accesses the details of the specific feature.

Settings

In the settings You can manage your information and other content:

Personal Information:

▪ Personal information: name, surname, email, option to set the mobile number and country.

▪ Native currency: You can select the currency for displaying the portfolio value.

▪ Change language: You can choose between the English and Slovene version of the App.

Portfolio:

▪ Linked accounts: You can set or change the linked accounts (bank accounts, crypto and other accounts)

▪ Strategies: You can complete a questionnaire about the investment strategy which shows Your attitude towards investment risks. You can also browse all your completed questionnaires and saved investment strategies.

▪ Personal finance register: it is available to the User for saving all documents which the User would like to store in the MS Platform.

▪ Advisor privileges: in the event You choose Advisor on MS Platform, the You are able to determine and choose which parts of User’s portfolio will be available and visible to Advisor.

▪ Subscription plan: in the event You choose to pay monthly subscription for the Advisor, the information on current status of subscription is available to You at this point.

Security:

▪ Change PIN: You can change your PIN.

▪ Change password: You can change the password for accessing Your account.

▪ Fingerprint: You can choose between the PIN and fingerprint for entering the MS Platform.

Other Settings:

▪ Quick access: You can change quick access links in the control panel.

▪ Dashboard Widgets: You can change the order of widgets displayed in the control panel (Communication centre, News, Watchlist).

▪ About the app: information about latest version of the App.

▪ Terms & Conditions: latest version of T&C.

▪ Privacy Policy: latest version of Privacy Policy.

▪ Support: allows You to message the V&P team and contains a link to FAQ (Frequently Asked Questions).

▪ Reset tooltips: You are provided with a possibility to reviews and read instructions for the use of tools.

▪ Log out.

Account Information from Third Party Sites

By accessing and using MS Platform and the Services, You acknowledge and agree that we access and retrieve Account Information from third party sites. V&P works with Salt Edge Inc. to access this Account Information. For the purposes of the Agreement and to provide Account Information to You as part of the Services, You authorize and direct us to access third party sites and to electronically retrieve your Account Information maintained by third party financial institutions with which You have a legally binding customer relationship. In addition, You expressly authorize such third parties to disclose your information to us.

The overall integrity and quality of the data presented by V&P to You is an important element in providing You with a high quality and accurate picture of your personal finances. V&P, however, is not responsible for and cannot guarantee the accuracy or timeliness of Account Information we retrieve on your behalf directly, from third party technology providers (i.e. Salt Edge Inc.) or from third party financial institutions where your accounts are held. V&P does not review the Account Information for accuracy, legality or non-infringement. V&P is not responsible for the Account Information or products and services offered by or on third-party sites and shall not be held responsible or liable for the third-party sites’ compliance with any regulation.

V&P may not be able to foresee or anticipate technical or other difficulties, which may result in failure to obtain data or loss of data, personalization settings or other service interruptions. V&P cannot assume responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, communications or personalization settings. For example, when displayed through the Services, Account Information is only as fresh as the time shown, which reflects when the information is obtained from such sites. Such information may be more up-to-date when obtained directly from the relevant sites. 

Third Party Products and Services

MS Platform provides website links to third parties products and services. The use of third party products or services is governed by the terms and conditions of the relevant supplier. The content and operations of third party products and services is outside of our control, and we cannot accept responsibility or liability for the products and services provided to You by these third parties.

For example, if the user connects from MS Platform to his already active account with the selected Crypto Exchange, he then works in the environment of selected Crypto Exchange outside of our control and based on the terms and conditions and privacy policy of selected Crypto Exchange.

Third Party Data providers

MS Platform provides data obtained from third party sites that are displayed or reported through our Dashboard or any of our Services, like information on the value of investment displayed through MS Portfolio or News Feed.

The overall integrity and quality of the data presented by V&P to You is an important element in providing You with a high quality and accurate picture of your personal finances. V&P, however, is not responsible for and cannot guarantee the accuracy or timeliness of the data we retrieve from third party research/market data and news providers used to provide the Services.

Cost of Services

Your use of MS Platform and related Services is free of charge, unless You use services of selected Advisor through Communication centre which is payable. We may earn a fee or commission from our partners based upon your use of their services or products. V&P reserves the right, in its sole discretion, to amend or change the pricing policy for its current Services or any additional services that it may offer.

Your use of the Services

Your right to access and use MS Platform and related Services is personal to You and is not transferable by You to any other person or entity. You agree to provide us with information (including Registration Information), which is true, accurate, complete and You agree not to misrepresent your identity or your user information. You represent that You are a legal owner of, and that You are authorized to provide us with, all Registration Information and other information necessary to facilitate your use of the Services. By submitting information, data, passwords, usernames, PINs, other login information, materials and other content to V&P through the Services, You agree that V&P may use and store that content for providing the Services. 

You are only entitled to access and use the Services for lawful purposes. You agree that You will not violate any laws when using MS Platform and related Services. You may not use MS Platform and related Services to post or transmit anything that is unlawful or violates the rights of another and to post or transmit a file or email, which contains viruses, worms, Trojan horses or any other damaging or destructive elements. You may not resell or make any commercial use of MS Platform and related Services. If You breach any of the above stated obligation, we reserve the right to terminate your use of MS Platform and the Services at any time.

Disclaimer of Representations and Warranties

MS Platform and all Services and functionalities associated with the Services or provided through the Services are provided to You on an “as-is” and “as available” basis. We make no representations or warranties of any kind, express or implied, as to the content or operation of MS Platform and the Services. We make no representations, warranties or guarantees, express or implied, regarding the accuracy, reliability or completeness of the content of MS Platform and the Services, and expressly disclaim any warranties of non-infringement or fitness for a particular purpose. We make no representation, warranty or guarantee that the content that may be available through MS Platform and the Services is free of infection from any viruses or other code or computer-programming routines that contain contaminating or destructive properties or that are intended to damage, surreptitiously intercept or expropriate any system, data or personal information.

Your access and use of the Website, App, MS Platform and the Services may be interrupted from time to time for any of several reasons, including, without limitation, internet or telecommunications failure, failure of hardware or software, the malfunction of equipment, periodic updating, maintenance or repair of the Website, App, MS Platform and the Services or other actions that V&P, in its sole discretion, may elect to take. In no event will V&P be liable to any party for any loss, cost, or damage that results from any scheduled or unscheduled downtime.

V&P may not be able foresee or anticipate technical or other difficulties which may result in failure to obtain data, personalization settings or other service interruptions. V&P assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications or personalization settings.

V&P cannot guarantee the complete security of the Website, App, MS Platform and the Services, but will take all reasonable steps in this regard. You agree that any downloads of content or materials related to the Website, App, MS Platform and the Services is done at your own risk and You are solely responsible for any damage to your computer/system or loss of data that results from the download of or access to any such materials. 

V&P cannot guarantee that the quality of any products, services, information, or other material purchased or obtained by You through the Website, App, MS Platform and the Services will meet your expectations. V&P shall not be responsible for investment and other financial decisions, damages, or other losses resulting from use of MS Platform and the Services. 

Limitations on our Liability

To the extent permitted by law, we shall not be responsible or liable to You or to any third party, whether in contract, warranty, delict or tort (including negligence) or otherwise for loss of income or revenue, loss of business, loss of profits or contracts, loss of anticipated savings, loss of data, loss of goodwill or special, indirect or consequential damage arising in whole or in part from your access to MS Platform and the Services, your use of MS Platform and the Services or this Agreement, even if we have been advised of the possibility of such damages. Notwithstanding anything to the contrary in this agreement, our liability to You for any cause whatever and regardless of the form of the action, will at all times be limited to 100,00 EUR.

Apart from Advisors, no other Service or functionality on the MS Platform is intended to provide financial, tax, wealth, investment or any other kind of advice. MS Platform and the Services are intended only to assist you in your financial organization and decision-making. Your personal financial situation is unique, and any information and advice obtained through the Service may not be appropriate for your situation. Accordingly, before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from advisers who are fully aware of your individual circumstances.

Intellectual Property

V&P is the owner of MS Platform, the Website and the App. Unless expressly stated or apparent otherwise (e.g. News, etc.), the content of MS Platform, the Website and the App, including its “look and feel” (e.g., text, graphics, images, logos and button icons), photographs, editorial content, notices, software and other material are protected under intellectual property rights, which belong to V&P. We grant You the right to view and use MS Platform, the Website and the App subject to these Terms and conditions, only for your personal, non-commercial use. Any distribution or reproduction of any content from MS Platform or any other use, inconsistent with this clause, the Website and the App for any other purpose is expressly prohibited without our prior written consent.

Advertising

Some parts of the Services may be supported by links from advertisers that may be custom matched to You based on information stored in the Services, queries made through the Services or other information. We do not endorse, warrant or guarantee the products or services available through the links. V&P is not responsible for the activities or policies of those web sites. If You elect to use or purchase services from third parties, You are subject to their terms and conditions and privacy policy.

Notifications 

All required notices will be sent electronically to the e-mail address that You provide. Notifications will be sent to You if there is a material change to the Services and these Terms and Conditions. It is your responsibility to provide us with true, accurate and complete e-mail address and to maintain and update promptly any changes in this information. 

Ending the Agreement

The Agreement will continue to apply until terminated by either You or us as set out below. If You want to terminate your Agreement with us, You may do so by closing your Account. After closing your Account, we will continue to retain only such information, as we are required by law to retain.

We reserve the right to terminate our legal agreement with You (by providing an email notice of such termination and by closing your Account): (i) if You have breached or have acted in a manner which clearly shows that You intend to breach any provision of the Agreement, (ii) if we are required to do so by law or authority or (v) for any other justified reason at our discretion. The termination of the Agreement will not affect any of our rights or your obligations arising under the Agreement prior to termination.

Modifications 

We may modify the Agreement by changing these Terms and conditions from time to time. All changes to these Terms and conditions will be posted on the Website. You are deemed to accept and agree to be bound by any changes to the Terms and conditions when You use the Website, App, MS Platform or the Services after those changes are posted.

V&P reserves the right at any time to modify or discontinue, temporarily or permanently, the Website, App, MS Platform or any of the Services. Your use of the Website, App, MS Platform and the Services after the change(s) will constitute your agreement to such change(s). You agree that we shall not be liable to You or any third party for any such change(s).

Governing Law and Forum for Disputes

The laws of Slovenia without regard to its conflicts of law’s provisions shall govern the Agreement and your relationship with us, if not otherwise compulsory under the applicable law. Any dispute with us, arising under or in relation to the Agreement, if not solved peacefully, shall be resolved exclusively through the Slovenian courts, if exclusive jurisdiction is not held by any other jurisdiction under mandatory law. 

Contact 

Should You have any question regarding these Terms and conditions, MS Platform and related Services, please get in touch by emailing us at ekipa@vezovisek.si. 

Privacy Policy

MS Platform is designed as an effective and comprehensive tool for managing your assets and property for the very reason that it is based on the personal data You provide us. Your personal data constitutes the essence of our Services, and we therefore thoroughly endeavour to provide You with clear and accurate information on all issues related to your personal data. At the same time, we endeavour to ensure that your personal data is stored securely, and we take appropriate safety measures for this purpose.

It is important that You read Privacy Policy (in a different document) before You become our user, so that You will be confident when using our Services regarding your personal data. Should You have any questions in this connection, please get in touch with us by e-mailing us at team@mojskrbnik.com.