1. General provisions
These terms of use govern the relationship between ZEF - Cooperative for Ethical Financing (OIB: 26856588936, registered office: Ilica 36, HR-10000 Zagreb) and users of this website. By accessing and using the site, you accept these terms in full.
2. Use of the website
You may use the website only for lawful purposes. It is prohibited to:
- Use the site in a manner that violates applicable laws of the Republic of Croatia or the European Union
- Attempt unauthorized access to the system or data
- Interfere with the operation of the site or servers
- Copy, distribute, or publicly display content without written permission
3. Intellectual property
All content on this website - including texts, graphics, logos, photographs, videos, and software - is the property of ZEF or is used with the permission of rights holders. It is protected by copyright and intellectual property laws.
Downloading and printing content is permitted exclusively for personal, non-commercial use, provided the source is cited.
4. Cooperative membership
Joining ZEF is regulated by the Cooperative Rules and Membership Regulations. By signing the application and paying the basic membership stake, a member accepts all rights and obligations defined by those documents.
- The basic membership stake is 331.81 EUR
- A member may withdraw from the cooperative in accordance with the Cooperative Rules
- Membership information is available on the /clanstvo page
5. Limitation of liability
ZEF makes reasonable efforts to ensure the accuracy and currency of information on the website. However, we cannot guarantee that all information is complete, accurate, or current.
ZEF is not liable for:
- Damage arising from the use or inability to use the website
- Content of external websites linked from our site
- Temporary unavailability of the site due to maintenance or technical issues
6. Third-party links
Our website may contain links to third-party websites. These links are provided for informational purposes only. ZEF has no control over the content of those sites and assumes no responsibility for their content or privacy policies.
7. Changes to terms
ZEF reserves the right to modify these terms of use at any time. Changes take effect upon publication on this page. Continued use of the website after the publication of changes constitutes acceptance of the new terms.
8. Governing law
The laws of the Republic of Croatia apply to these terms of use. The competent court in Zagreb has jurisdiction over all disputes.
9. Contact
For all questions related to these terms of use, contact us at:
- Email: zef@zef.hr
- Phone: +385 95 9065 108
- Address: Ilica 36, HR-10000 Zagreb