Terms of Use and Refunds

This document consists of three parts:

• General Provisions (Sections 1–2)
• Part I. Use of the Service (Sections 3–18)
• Part II. Refunds and Cancellation (Sections 19–27)
• Part III. Complaints and Final Provisions (Sections 28–31)

The processing of personal data is governed by a separate document — the InVero Privacy Policy, published on the website.

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General Provisions

1. Service Provider Details and Scope of Application

These Terms govern the use of the InVero.me website and platform services, as well as the procedure for refunds and cancellation of services. Prior to an online purchase, the user must read the Terms and confirm their acceptance.

The Information Society Service Provider (davalac usluga informacionog društva) is:

Hereinafter referred to as "InVero" or "we".

If a separate contract, order, commercial offer, invoice, or order form establishes different terms, such document shall take precedence with respect to the relevant transaction. This does not limit the consumer rights established by mandatory provisions of law.

For the purposes of these Terms, a consumer is a natural person acquiring services for purposes outside their trade, business, craft, or profession. A B2B client is a legal entity, entrepreneur, or other person acquiring services within the scope of their trade, business, craft, or profession.

2. Language

These Terms are published in the Montenegrin language, as well as in Russian and English.

For consumers in Montenegro, the Montenegrin version is binding. In the event of any discrepancies between the versions, the Montenegrin version shall prevail in relations with a consumer.

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Part I. Use of the Service

3. Services

InVero provides digital services and features as described on the website, in the pricing plan, or in an individual offer. The scope of features may vary depending on the selected plan.

InVero reserves the right to develop and modify the service, subject to compliance with applicable law and contractual obligations.

4. Account

The user is obliged to provide accurate information and ensure the security of their access credentials. Transferring an account to third parties is permitted only if expressly provided for by a separate contract or agreement between the parties.

5. Order Processing

Purchases may be made via online checkout or on the basis of an individual offer, invoice, or a separate contract, including for B2B clients.

Prior to an online purchase, the service, price, currency, billing period, and, if applicable, auto-renewal and cancellation terms are displayed.

For B2B clients, material commercial terms may be defined by an invoice, commercial offer, order form, or a separate contract.

6. Price and Payment

The price is specified during the online checkout process or in the corresponding invoice or separate contract. For B2B clients, InVero may issue an invoice payable by bank transfer or another agreed-upon method.

7. Subscription

If a subscription plan renews automatically, this is clearly stated prior to payment. Upon cancellation, no further charges will be made. Unless otherwise required by law, contract, or the specific plan, access to the service remains active until the end of the paid billing period.

The procedure for canceling a subscription is set out in Section 20 of these Terms.

8. B2B Clients

B2B clients may procure services on the basis of a separate agreement or contract, which takes precedence over these Terms.

InVero may request data necessary for invoicing and contract execution: client details, payment terms, billing period, and other required information.

Provisions relating exclusively to consumers apply only to the extent that the client qualifies as a consumer under applicable law.

9. Acceptable Use

The user is prohibited from using the service unlawfully, infringing third-party rights, gaining unauthorized access, interfering with the service's operation, distributing malicious code, scraping, or reselling platform data or access to it without proper authorization.

10. User Content

The user retains all rights to the materials they provide. The user grants InVero the necessary limited right to use such materials for the purpose of storage, processing, transmission, display, and provision of the respective service functionalities.

The user is responsible for ensuring they possess the necessary rights to such materials.

11. AI and Informational Outputs

AI and informational outputs may contain errors, inaccuracies, or incomplete or outdated information. They do not constitute legal, financial, tax, or other professional advice, unless expressly stated otherwise.

The user independently evaluates the outputs and, if necessary, verifies material information against primary or official sources.

To the maximum extent permitted by law, InVero disclaims any liability for user decisions made on the basis of such outputs. This limitation applies subject to Section 18 of these Terms.

12. Third-Party Services

Certain features may rely on payment providers, hosting services, AI models, external data sources, email services, and other third-party vendors. Disruptions in their operation may temporarily limit the availability of corresponding features.

To the extent permitted by law, InVero is not liable for the performance of third-party services. This does not exempt InVero from its own obligations to the user under these Terms and applicable law.

13. Availability

InVero strives to maintain stable service operation but does not guarantee continuous or error-free availability of every feature.

14. Intellectual Property

The website, software, design, databases, texts, trademarks, and other materials hosted on InVero.me are owned by InVero or used lawfully. The user is granted a limited, non-exclusive right to use the service in accordance with these Terms and the selected subscription plan.

15. Personal Data Protection

The processing of the user's personal data is carried out in accordance with the InVero Privacy Policy published on the website and the Montenegrin legislation on personal data protection.

Acceptance of these Terms does not constitute consent to the processing of personal data. If consent is required for specific processing purposes, it shall be requested separately and may be withdrawn at any time.

16. Amendments to the Service and Terms

InVero may modify the service. If the law requires notification, an option to terminate the contract, or any other action, InVero shall comply with such requirements.

A new version of the Terms shall be published with the effective date specified and shall apply in cases provided for by law or contract. Amendments to the refund terms (Part II) apply to new purchases and in other cases permitted by law; rights accrued prior to the amendments remain intact to the extent established by law and contract.

17. Suspension

InVero reserves the right to restrict or terminate access in the event of a material breach of these Terms, unlawful use, security threats, unauthorized account use, non-payment, or other grounds stipulated by law or contract.

18. Liability

To the maximum extent permitted by law, InVero shall not be liable for indirect damages, lost profits, loss of anticipated revenue, or the consequences of third-party service failures.

For B2B clients, to the maximum extent permitted by law, InVero's liability is limited to documented direct damages and shall not exceed the amount paid for the respective service in the 3 months preceding the month in which the event giving rise to the claim occurred.

The limitations of liability set forth in this section and in Sections 11 and 12 do not apply to:

• liability for intent and gross negligence — such liability cannot be excluded or limited in advance;
• liability for death or personal injury;
• other liability that cannot be lawfully excluded or limited;
• consumer rights established by mandatory provisions of consumer protection law.

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Part II. Refunds and Cancellation

19. General Rules

Refunds and service cancellations are governed by this Part II, the terms of the specific subscription plan or transaction, and applicable law.

For B2B clients, refunds are also governed by the applicable contract, invoice, or commercial terms.

Payment inherently does not imply an unconditional right to a refund for a service actually utilized, except in cases provided by law, contract, or these Terms.

20. Subscription Cancellation

The user may cancel an auto-renewing subscription prior to the next billing cycle using the method provided by InVero. Following cancellation, future automatic charges will cease.

Unless otherwise required by law, these Terms, or the subscription plan, the paid period continues until its end, and the unused balance is not automatically converted into a monetary refund.

21. Consumer Rights

Consumers retain their rights under applicable law to withdraw from a distance contract, receive a refund, obtain a price reduction, and utilize other legal remedies in cases and under the conditions established by law.

Monetary refunds are permissible in the event of defective service provision, proportionate to the unused period.

Decisions regarding partial or full refunds are made on a case-by-case basis, taking into account applicable law, the transaction terms, and the service actually provided.

The unused period is calculated from the time of the request or the time of the events that prompted the request, until the end date of the paid period.

If the provision of a digital service begins before the expiration of the statutory withdrawal period, specific legal rules apply, including rules concerning the loss of the right of withdrawal if the consumer gave express prior consent to begin performance and acknowledged that they thereby lose their right of withdrawal.

22. Defective Service Provision

The user's unmet expectations, lack of future need for the service, and similar arguments do not, in themselves, constitute defective service provision.

The fact of defective service provision must be substantiated. Such cases include:

• unjustified lack of access to the service stipulated by the plan or terms for more than 24 hours;
• unjustified restriction of the functionality stipulated by the plan or terms, hindering the use of the service as a whole or in part for the user's needs, for more than 48 hours;
• noticeable and confirmed poor service performance speed that prevents the use of the service as a whole or in part for the user's needs.

This list is not exhaustive and does not limit the consumer's right to remedies provided by law in other cases of non-conformity of the digital service with the contract.

If a digital service does not conform to the agreed terms, InVero has the right to first offer to resolve the issue, restore access, or provide another reasonable means of bringing the service into conformity within a reasonable time and without significant inconvenience to the consumer.

If the law provides the right to a price reduction or refund, the corresponding claim shall be processed in accordance with the law.

23. Erroneous Charges

In the event of a confirmed technical error or duplicate charge, InVero will issue a refund.

For consumers: refunds are made monetarily to the same payment method used for the original transaction. Crediting towards future orders is possible only with the consumer's express consent and cannot be imposed.

For B2B clients: InVero may issue a refund or apply a credit towards future orders, unless otherwise specified in the contract or invoice.

24. Specifics for B2B Clients

For B2B clients, refunds are determined by the relevant contract, invoice, commercial offer, or subscription plan terms, taking into account applicable law.

Rights granted exclusively to retail consumers do not apply to B2B clients.

25. Refund Request

To request a refund, the user must contact InVero via the support channel, verify account ownership (e.g., via email or phone number), and provide the order/invoice number, payment date, and the reason for the request.

The procedure and timeframes for processing requests are established in Section 28 of these Terms.

26. Refund Procedure

If a refund is legally, contractually, or under these Terms required, it shall be processed within the timeframe stipulated for the respective case, using the same payment method and to the same account from which the payment was received, unless the user expressly agrees to a different payment method.

Refunds to consumers are issued without any additional cost to the consumer. Payment system and bank fees associated with the refund are not deducted from the amount refunded to the consumer and are not borne by the consumer.

For B2B clients, actual payment system and bank fees may be deducted from the refund if this is provided for in the contract, invoice, or subscription plan terms.

The amount of a partial refund is determined taking into account applicable law, the service actually provided, and the transaction terms.

27. Limitations

The mere lack of continued desire to use the service does not create an unconditional right to a refund for an already paid and delivered digital service, except in cases provided by law, contract, or the subscription plan terms.

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Part III. Complaints and Final Provisions

28. Complaints and Inquiries

An inquiry, claim, or refund request must be sent to InVero's contact details specified in Section 1, or via the support channel indicated on the website.

InVero shall acknowledge receipt of a consumer's complaint and, without delay, but no later than eight days from the date of receipt of the complaint, provide the consumer with a written response on paper or another durable medium accessible to the consumer, stating its position on the claim and a proposal for its resolution.

The consumer also has the right to contact the competent consumer protection authority in Montenegro and utilize other legal remedies provided by law.

29. Applicable Law

These Terms are governed by the laws of Montenegro. For matters not regulated by these Terms, the laws of Montenegro shall apply. Consumer rights that cannot be waived by law remain fully intact.

30. Severability

The invalidity of any individual provision shall not affect the validity of the remaining provisions. The failure of InVero to exercise any right shall not constitute a waiver of such right.

31. Contact Information

InVero's corporate and contact details are specified in Section 1 of these Terms and remain permanently accessible on the InVero.me website.