TERMS OF USE AND COLLABORATION
Entity name: MARBO, sole proprietorship for tutoring and translations, owned by Mara Božinović
Address: Dioklecijanova 28B, 21210 Solin, Croatia
Contact: mara@marabozinovic.com
Website: https://marabozinovic.com/
Last updated: 28 September 2025
1. General Provisions
Welcome to the website https://marabozinovic.com/, operated by MARBO, a sole proprietorship specializing in tutoring and translations, owned by Mara Božinović. By using this website, purchasing products and/or services, downloading materials, or accessing educational programs, you agree to these Terms of Use and Collaboration.
If you do not agree with these terms, please do not use this website or our services.
This website is intended for persons over 18 years of age and legal entities. The content provided is informational and educational in nature and does not constitute legal, financial, or professional advice.
We reserve the right to modify the terms and the content of the website and educational programs without prior notice.
All educational materials, advice, and guidelines we provide do not represent legal, financial, tax, or any other professional advice. The information is solely educational and informational in nature, based on personal experience and working methodology, and the user applies it at their own responsibility.
2. Services and Digital Products
MARBO provides translation, tutoring, proofreading, and online work-related education services.
Available are:
- digital products and educational programs available after payment
- programs held at specific scheduled times
- 1:1 services defined by individual agreement
Some programs and digital products may include additional features such as Zoom calls, technical instructions, workbooks, or access to communities. Details on duration and method of delivery are clearly stated in the description of each individual offer.
We reserve the right to change the content, schedule, or duration of educational programs if there are justified reasons (e.g., technical issues, changes in legislation, force majeure), with notice to users, but without prior announcement.
3. Collaboration Agreement
Collaboration may begin by purchasing through the website or through third-party platform pages (e.g., MailerLite), confirming the agreement by e-mail and paying the agreed amount, or by signing a contract, if applicable.
The client is obliged to deliver all necessary materials within the agreed timeframe. Deadlines and specific terms of collaboration are defined individually for each project or program. If the client fails to provide the materials on time, it may not be possible to complete the service.
By entering into collaboration, the user confirms their understanding that the outcome of the work depends on their own engagement and application of the information provided.
If collaboration requires the preparation of additional materials, recording, technical processing, or support via messages/e-mail, the user understands that such activities will take place at the service provider’s discretion within the agreed deadlines.
4. Payment and Fiscalization
Payments are made via cards (Stripe) or bank transfer, according to prior agreement.
MARBO operates as a lump-sum business not registered for VAT, but conducts fiscalization in accordance with the applicable laws of the Republic of Croatia.
Installment Payments
For certain services and educational programs, we offer the option of installment payments, depending on the type of program and the conditions of the offer.
Installment payment is not credit financing but an internal agreement to divide the total amount into several payments with predefined deadlines.
The buyer undertakes to pay the entire agreed amount, regardless of whether they use the content or not. They commit to making each installment on time and understand that unpaid installments may result in suspension of access to the service or content until the debt is settled.
We do not charge interest or additional fees, unless otherwise specified.
5. Refunds and Cancellations
All payments are final and non-refundable, unless otherwise defined.
Once the client accesses digital content, the service is considered delivered and refunds are not possible.
6. Unilateral Contract Termination
In accordance with the Consumer Protection Act, the user may unilaterally terminate the contract within 14 days, except in cases where:
- the product is a digital product with immediate access (e.g., educational programs),
- the service has already started.
By obtaining access to the content, the right to a refund is forfeited. If the digital service has already begun, the user agrees that they thereby waive the right to a refund in accordance with the Consumer Protection Act. By using access data or opening materials, the service is deemed to have begun.
7. Free Content and Newsletter
By downloading free guides, videos, or other materials, the user gives consent to receive newsletters with educational and promotional content.
Consent may be withdrawn by clicking the unsubscribe link in any e-mail or by sending a message to mara@marabozinovic.com.
8. Intellectual Property
All content (texts, video materials, lectures, workbooks, charts, and other educational materials) is the property of MARBO, unless otherwise stated.
By purchasing educational programs, you acquire a personal, non-transferable right of use. It is prohibited to:
- distribute, share, copy, resell, or publish the content
- use materials in your own educational programs without prior written consent.
Violation of copyright may result in termination of access and legal proceedings.
9. Disclaimer
Educational programs are informational in nature and do not guarantee specific results. Content is based on personal experiences and knowledge, without guarantees of success. Results depend on the user’s own engagement, business context, and application of the knowledge. The user bears full responsibility for their own decisions and consequences.
Examples of successful users may be shared within the programs for motivational purposes, but these do not represent a guarantee of achieving the same results.
10. Personal Data Protection
We handle personal data in accordance with applicable laws and data protection regulations. Details can be found in our Privacy Policy.
11. Data Access and Processing
In the course of providing services, we may have access to the personal data of participants in educational programs, newsletter subscribers, or clients. The user guarantees that they have the legal basis for sharing such data.
We will handle the data in accordance with Regulation (EU) 2016/679 (GDPR) and will use it exclusively for the purpose of fulfilling the agreed service, without transferring it to third parties. Upon completion of the collaboration, all data will be deleted, unless otherwise required by law.
12. Governing Law
These terms are governed by the laws of the Republic of Croatia. In the event of a dispute, the competent court shall be the court with jurisdiction at the business’s registered seat.
13. Contact
For all questions and additional information, you may contact us via e-mail at mara@marabozinovic.com.