Terms of Service

1. Acceptance of Terms

By accessing or using the BillMagik website at billmagik.com (the "Website"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use the Website.

These Terms are governed by the laws of the Czech Republic. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of the Czech Republic.

2. About BillMagik

BillMagik is a free, informational personal finance education platform operated by Nela Slamova, with a registered address at náměstí SNP 19, 357 51 Sokolov, Czech Republic. The Website and all content on it are provided strictly for general educational and informational purposes.

BillMagik does not offer, sell, or provide any paid services, financial products, investment products, or professional financial advice of any kind.

3. Informational Purpose Only

All content published on the Website — including but not limited to articles, training materials, guides, calculators, and examples — is provided for general informational and educational purposes only.

Nothing on this Website constitutes, and nothing should be construed as:

• Professional financial, investment, tax, or legal advice;
• A recommendation to buy or sell any financial product, security, or asset;
• Personalised advice tailored to your individual financial circumstances;
• An offer or solicitation of any financial product or service.

You should always consult a qualified and authorised financial, tax, or legal adviser before making any financial decision. BillMagik accepts no liability for any financial decisions made in reliance on the content of this Website.

4. Permitted Use

You may use the Website and its content for personal, non-commercial educational purposes. You agree not to:

• Use the Website in any manner that could damage, disable, or impair its functionality;
• Attempt to gain unauthorised access to any part of the Website or its infrastructure;
• Copy, reproduce, redistribute, or commercially exploit any content from the Website without our prior written permission;
• Use the Website for any unlawful purpose or in violation of applicable law;
• Transmit any unsolicited commercial communications or spam through our contact form.

5. Intellectual Property

All content on the Website, including text, graphics, logos, images, and the overall design, is owned by or licensed to BillMagik and is protected by applicable intellectual property laws.

You may share links to our content and quote brief excerpts with proper attribution. Any other reproduction or distribution of our content requires our prior written consent.

6. No Warranties

The Website and all content are provided "as is" and "as available", without warranty of any kind, express or implied. While we make reasonable efforts to ensure the accuracy and currency of our content, we do not warrant that:

• The information is accurate, complete, or up to date;
• The Website will be uninterrupted, error-free, or free of viruses or harmful components;
• Any specific result will be achieved through use of our educational content.

7. Limitation of Liability

To the fullest extent permitted by applicable law, BillMagik and its operators shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of, or inability to use, the Website or its content, including any financial losses.

This limitation applies regardless of the legal theory under which damages are sought and even if BillMagik has been advised of the possibility of such damages.

8. Third-Party Links

The Website may contain links to external websites for informational purposes. BillMagik does not endorse, control, or take responsibility for the content, privacy practices, or accuracy of any third-party website. You access linked websites at your own risk.

9. Privacy

Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

10. Changes to These Terms

We reserve the right to update or modify these Terms at any time. Changes will take effect immediately upon publication on the Website. The "Last updated" date at the top of this page will reflect the most recent revision. Your continued use of the Website after changes are posted constitutes your acceptance of the revised Terms.

11. Termination

We reserve the right to restrict or terminate access to the Website at any time, without notice, if we believe these Terms have been violated or for any other lawful reason.

12. Contact

If you have questions about these Terms, please contact us:

• By email: info@billmagik.com
• By post: náměstí SNP 19, 357 51 Sokolov, Czech Republic