Please read these Terms and Conditions carefully before using the educational services and content provided through the ozenmozaik.com platform.

1. Subject of the Services

The Ozenmozaik platform provides exclusively educational and informational content on strategic asset diversification, financial portfolio construction, risk management, and financial balance. Our services do not constitute financial investment advice, buy/sell recommendations for securities, or any other form of licensed financial consultancy.

2. Rights and Obligations of the Parties

The User has the right to:

• Access and use the educational materials for personal, non-commercial purposes.
• Make their own financial decisions based on the knowledge acquired.

The User undertakes to:

• Not redistribute, reproduce, or sell the platform's content without our prior written consent.
• Understand that all investment decisions they make are at their own risk and responsibility.
• Provide accurate information during the registration process (if applicable).

3. Limitation of Liability

Ozenmozaik and its service providers assume no liability for:

• Financial losses or other damages resulting from the application of concepts presented in the educational materials.
• The accuracy, completeness, or timeliness of the content in the context of continuously changing financial markets.
• Temporary service interruptions or technical issues that may affect access to the platform.

4. Payment and Refund Conditions (if applicable)

For any paid service (e.g., premium courses), prices are displayed transparently before purchase. Refunds are evaluated on a case-by-case basis, in accordance with our refund policy, and are granted only under exceptional circumstances, within 14 days of purchase, if the content has not been accessed to a significant extent.

5. Termination of Use

We reserve the right to suspend or restrict a user's access to the platform, without prior notice, if they violate these Terms. The user may cease using our services at any time by simply discontinuing access.

6. Modification of Terms

We reserve the right to modify these Terms and Conditions. The updated version will be posted on this page, indicating the date of the last revision. Continued use of the platform after the changes are published constitutes acceptance of them.

7. Contact for Legal Questions

For any questions related to these Terms and Conditions, please contact us at:

Ozenmozaik
P-ța Aurel Vlaicu nr. 890, bl. B, et. 4, ap. 9
Phone: 0774908379
Email: info@ozenmozaik.com

By using the Ozenmozaik platform, you confirm that you have read, understood, and agree to these Terms and Conditions of Use. These terms are complementary to our Privacy Policy and Disclaimer.