Terms & Conditions

IZVIR-A d.o.o., poslovne storitve
Pribinova ulica 7, 1000 Ljubljana, Slovenia
Registration No.: 6732402000 · VAT ID: SI25882694

1. General Provisions

These Terms & Conditions govern the provision of services by IZVIR-A d.o.o. (the "Company", trading as FinPlan) to individuals (the "Client").

The Company provides financial planning and tax consulting services. The Company does not hold a licence for investment advice, portfolio management, or the distribution of financial products, and does not provide such services. All plans and reports are prepared based on publicly available information and documentation provided by the Client.

Separately from the above services, the Company also provides IT consulting. These Terms & Conditions do not apply to IT consulting services — they are governed by a separate agreement between the Company and the client, if and when such an agreement is concluded.

2. Conclusion of the Contract

The contract between the Company and the Client is concluded remotely — via the website finplan.si, by email, or through the contact form.

A request submitted by the Client (via the website form or by email) is treated as an offer to conclude a contract. The contract is considered concluded once the Company confirms the agreed terms of the service (scope of work, price, timeline) to the Client in writing (by email).

3. Payment

As a general rule, payment is due upon completion of the service — i.e., for work already performed (a financial plan prepared, a consultation delivered, a report completed, etc.).

In certain cases (for example, when a new client engages the Company for the first time), the Company may require an advance payment. Terms relating to advance payments, rescheduling, and refunds are governed by the Refund & Cancellation Policy, which forms an integral part of these Terms & Conditions.

4. Right of Withdrawal

In accordance with Slovenian consumer protection law (ZVPot-1), implementing EU Directive 2011/83/EU, a Client who is a consumer and has concluded the contract remotely has the right to withdraw from the contract within 14 days of its conclusion, without giving any reason and without incurring any costs, except as provided by law.

To exercise this right, the Client need only send an unambiguous notice of withdrawal to [email protected].

Performance before the 14-day period expires. If the Client wishes the Company to begin providing the service immediately, without waiting for the 14-day withdrawal period to lapse, the Company will ask the Client for prior express consent to this, together with confirmation that they understand that they will lose the right of withdrawal once the service has been fully performed. Such consent is recorded in writing (by email or via a checkbox in the order form) before the service begins.

If no such consent has been obtained, the Client's right to withdraw and to a refund of any amount paid within 14 days remains in effect regardless of whether the Company has begun providing the service.

5. Refunds and Cancellation

The process for refunding advance payments, cancellations, and rescheduling of consultations is governed by the Refund & Cancellation Policy. To the extent not covered by that document, Section 4 of these Terms & Conditions on the statutory right of withdrawal applies.

6. Client Identification

In accordance with the Slovenian Prevention of Money Laundering and Terrorist Financing Act (ZPPDFT-2), the Company is required to identify the Client before providing a service and may request documents confirming the Client's identity and, where necessary, the source of income or funds. Provision of the service may be delayed until the requested documents are provided. The Company may decline to provide, or may terminate, a service where necessary to comply with applicable law, including the Slovenian Restrictive Measures Act (ZOUPAMO).

7. Complaints Procedure

If the Client believes a service has not been performed correctly, they may submit a complaint to [email protected]. Where the irregularity is undisputed, the Company will resolve the Client's justified request as soon as possible, and no later than 8 days from receipt of the complaint. Where the Company considers the complaint unfounded, it will send the Client a written response with reasons within the same 8-day period.

8. Liability and Limitations

The Company's services are advisory and informational in nature. The Company is not liable for decisions made by the Client based on the materials provided, nor for the consequences of any incomplete or inaccurate information or documentation supplied by the Client.

The Company does not provide investment recommendations and does not guarantee any financial outcome.

9. Confidentiality

The Company processes the Client's personal data in accordance with applicable data protection law (GDPR). Details of data processing are set out in the Privacy Policy.

10. Governing Law and Dispute Resolution

These Terms & Conditions are governed by the law of the Republic of Slovenia. The parties will seek to resolve disputes through negotiation; if this is not possible, the dispute will be submitted to the competent court at the Company's registered seat (Ljubljana, Slovenia). As a consumer, the Client also has the right to use out-of-court dispute resolution mechanisms available under Slovenian and EU law.

11. Changes to These Terms

The Company may amend these Terms & Conditions. The current version is always published on the website with its effective date. Changes do not affect contracts concluded before the effective date of the amendment.

12. Contact

For any questions regarding these Terms & Conditions, please contact us at [email protected].

Last updated: 12 September 2026