Terms of Service

1. About Insight Flows

Insight Flows provides a group educational workshop for couples in Croatia who are moving in together and sharing household finances for the first time. The workshop consists of two in-person group sessions held in Zagreb. Insight Flows is not a financial advisory service and does not provide individual financial advice, investment recommendations, or any other regulated financial service. All workshop content is educational and informational in nature.

2. Acceptance of terms

By using this website or registering for the Insight Flows workshop, you agree to these Terms of Service. If you do not agree, please do not use the website or register for the workshop. These terms apply to all visitors to the website and to all workshop participants.

3. The workshop service

Insight Flows provides a structured group educational experience covering shared household budgeting and financial communication for couples. The workshop is delivered in a group format and all content presented is general and educational. Nothing presented during the workshop constitutes financial advice, legal advice, tax advice, or any other form of professional advisory service. Participants are encouraged to consult appropriately qualified professionals for any specific financial, legal, or tax matters.

Insight Flows reserves the right to modify the content, format, timing, and location of the workshop. Where material changes are made after registration, participants will be informed and offered the opportunity to withdraw.

4. Registration and participation

Registration for the workshop is completed by contacting Insight Flows via the contact form on this website, by email, or by phone. A registration is confirmed only when Insight Flows sends a written confirmation. Insight Flows reserves the right to decline registrations at its discretion.

Workshop participants are expected to engage respectfully with facilitators and other participants. Insight Flows reserves the right to remove any participant from the workshop if their behaviour disrupts the session or is disrespectful to others, without refund.

5. Cancellation and refunds

Cancellation terms will be communicated at the time of registration confirmation. In general, cancellations made more than seven days before the first session will be eligible for a full refund of any fee paid. Cancellations made within seven days of the first session may not be eligible for a refund. Insight Flows reserves the right to cancel or reschedule a session due to insufficient registrations, facilitator unavailability, or circumstances beyond its control. In such cases, participants will receive a full refund of any fee paid or the option to transfer to a future session.

6. Intellectual property

All materials provided during the workshop, including worksheets, templates, and written frameworks, are the intellectual property of Insight Flows. Participants may use these materials for their own personal household financial planning purposes. Reproduction, distribution, or commercial use of workshop materials without the written permission of Insight Flows is not permitted.

All content on this website, including text, design, and graphics, is the property of Insight Flows and may not be reproduced without permission.

7. Limitation of liability

Insight Flows provides educational content only. We do not accept liability for any financial decisions made by participants as a result of attending the workshop or using information from this website. Participants are solely responsible for their own financial decisions. The workshop facilitates a structured learning process; it does not guarantee any particular financial outcome for any participant.

To the extent permitted by Croatian law, Insight Flows's total liability to any participant shall not exceed the amount paid by that participant for the workshop.

8. Website use

This website is provided for informational purposes. You may use the website for lawful purposes only. You must not use the website in any way that causes or is likely to cause damage to the website or impairs the availability or accessibility of the website. Insight Flows makes reasonable efforts to keep the website accurate and up to date but does not warrant that all content is error-free or current.

9. Privacy

Your use of this website and participation in the workshop is also governed by our Privacy Policy, which is incorporated into these Terms of Service by reference.

10. Governing law

These Terms of Service are governed by the laws of the Republic of Croatia. Any disputes arising from these terms or from participation in the workshop shall be subject to the jurisdiction of the competent courts in Zagreb, Croatia.

11. Changes to these terms

Insight Flows may update these Terms of Service from time to time. The date at the top of this page indicates when the terms were last updated. Continued use of the website or participation in the workshop after any changes constitutes acceptance of the updated terms.

12. Contact

For any questions about these Terms of Service, please contact us at info@insight-flows.com or by post at Hondlova 2/9, 10000 Zagreb, Croatia.