AI Računovođa

Terms of Service

Last updated: June 2026

1. Agreement to Terms

By accessing or using AI Računovođa (the “Service”), operated by LAZO (“we,” “us,” or “our”), you (“User,” “you,” or “your”) agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you may not access or use the Service.

We reserve the right to modify, amend, or update these Terms at any time, at our sole discretion, without prior notice. Your continued use of the Service following any modifications constitutes your acceptance of the revised Terms. It is your responsibility to review these Terms periodically. If you do not agree with any modification, your sole remedy is to discontinue use of the Service.

2. Description of Service

AI Računovođa is an automated expense tracking and invoice categorization tool designed for Croatian flat-rate sole traders (paušalni obrtnici). The Service applies predefined Croatian government rules and statutory rates to categorize expenses and generate informational summaries.

The Service is expressly NOT any of the following:

  • A financial service or financial institution
  • An accounting service or accounting firm
  • A tax advisory service or tax consultancy
  • A licensed accountant, bookkeeper, or certified public accountant
  • A legal, financial, or professional consultation service

The Service does not replace licensed accountants, tax advisors, or any qualified professional. All outputs generated by the Service are informational only and are based on publicly available statutory rules and rates. Users must independently verify all outputs before relying on them for any financial, tax, or business decisions.

3. Eligibility

To use the Service, you must:

  • Be at least 18 years of age
  • Have the legal capacity to enter into binding contracts under applicable law
  • Provide accurate, current, and complete information during registration and keep such information up to date

We reserve the right to refuse access to, or terminate, any User account for any reason or no reason at all, at our sole and absolute discretion, with or without notice.

4. User Accounts

You are solely responsible for maintaining the confidentiality of your account credentials, including your password. You are fully responsible for all activities that occur under your account, whether or not you authorized such activities.

You agree to notify us immediately at support@lazo.build of any unauthorized use of your account or any other breach of security. We are not liable for any losses, damages, or costs arising from unauthorized use of your account, regardless of whether you have notified us of such unauthorized use.

5. Acceptable Use

You agree NOT to:

  • Use the Service for any unlawful purpose or in violation of any applicable local, national, or international law or regulation
  • Attempt to reverse engineer, decompile, disassemble, or otherwise derive the source code, underlying algorithms, or structure of the Service
  • Use any automated systems, bots, scrapers, or similar technology to access the Service
  • Upload, transmit, or distribute any viruses, malware, or other malicious code
  • Use the Service to evade taxes, commit fraud, or engage in any form of financial crime
  • Redistribute, resell, sublicense, or otherwise make the Service available to any third party without our prior written consent
  • Interfere with or disrupt the integrity or performance of the Service or its infrastructure
  • Attempt to gain unauthorized access to any part of the Service, other accounts, computer systems, or networks connected to the Service

Violation of these acceptable use terms may result in immediate termination of your account and access, without notice or refund.

6. Intellectual Property

All content, features, functionality, software, designs, text, graphics, logos, and other intellectual property associated with the Service are and shall remain the exclusive property of LAZO and its licensors. These Terms do not grant you any right, title, or interest in or to the Service or any intellectual property therein, except for the limited right to use the Service in accordance with these Terms.

By uploading data to the Service, you grant LAZO a non-exclusive, royalty-free, worldwide license to use, process, and store such data solely for the purpose of providing, maintaining, and improving the Service. You retain all ownership rights in your uploaded data.

7. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, LAZO EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO:

  • IMPLIED WARRANTIES OF MERCHANTABILITY
  • FITNESS FOR A PARTICULAR PURPOSE
  • NON-INFRINGEMENT
  • ACCURACY, RELIABILITY, COMPLETENESS, OR TIMELINESS OF ANY OUTPUTS, CALCULATIONS, CATEGORIZATIONS, OR SUMMARIES GENERATED BY THE SERVICE
  • UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE OPERATION OF THE SERVICE
  • THAT DEFECTS WILL BE CORRECTED
  • THAT THE SERVICE OR THE SERVERS THAT MAKE IT AVAILABLE ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS

AI-generated outputs may contain errors, inaccuracies, omissions, or outdated information. We do NOT guarantee the accuracy of any tax calculations, expense categorizations, financial summaries, or any other outputs produced by the Service.

YOU ARE SOLELY AND ENTIRELY RESPONSIBLE FOR VERIFYING ALL OUTPUTS BEFORE MAKING ANY FINANCIAL, TAX, LEGAL, OR BUSINESS DECISIONS. We are NOT a licensed accountant, tax advisor, or financial service provider. Nothing in this Service constitutes financial, tax, legal, or professional advice. We are NOT responsible for any decisions made based on the outputs of this Service.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, UNDER NO CIRCUMSTANCES SHALL LAZO, ITS OPERATORS, OWNERS, DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, OR ASSIGNS BE LIABLE FOR:

  • ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES OF ANY KIND
  • LOSS OF PROFITS, REVENUE, DATA, BUSINESS OPPORTUNITIES, GOODWILL, OR ANTICIPATED SAVINGS
  • COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES
  • ANY DAMAGES ARISING FROM:
    • Your use of, or inability to use, the Service
    • Unauthorized access to or alteration of your data or transmissions
    • Errors, inaccuracies, omissions, or outdated information in Service outputs
    • Tax penalties, fines, interest, additional assessments, or any other consequences resulting from reliance on Service outputs
    • Any third-party actions, claims, or conduct
    • Any interruption, suspension, or termination of the Service

THE TOTAL AGGREGATE LIABILITY OF LAZO FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE LESSER OF: (A) THE TOTAL AMOUNT PAID BY YOU TO LAZO IN THE THREE (3) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) FIFTY EUROS (€50).

These limitations of liability apply regardless of the legal theory upon which the claim is based, including but not limited to contract, tort (including negligence), strict liability, or any other theory, and regardless of whether LAZO has been advised of the possibility of such damages.

You acknowledge and agree that the fees charged for the Service reflect the allocation of risk set forth in these Terms and that LAZO would not provide the Service without these limitations of liability.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IN SUCH JURISDICTIONS, THE LIABILITY OF LAZO SHALL BE LIMITED TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.

9. Indemnification

You agree to defend, indemnify, and hold harmless LAZO and its operators, owners, directors, officers, employees, agents, affiliates, successors, and assigns from and against any and all claims, damages, losses, liabilities, obligations, penalties, costs, and expenses (including but not limited to reasonable attorneys' fees and legal costs) arising from or in connection with:

  • Your use of or access to the Service
  • Your violation of these Terms or any applicable law, regulation, or rule
  • Your violation of any rights of any third party
  • Tax penalties, fines, assessments, audits, or any tax-related consequences resulting from your reliance on Service outputs
  • Any dispute between you and your clients, customers, tax authorities, government agencies, or any third parties related to information obtained through, or decisions made based on, the Service
  • Any content or data you upload, submit, or transmit through the Service

This indemnification obligation shall survive the termination of your account and these Terms.

10. Tax Disclaimer

THIS SECTION CONTAINS CRITICAL INFORMATION ABOUT THE LIMITATIONS OF THE SERVICE WITH RESPECT TO TAX MATTERS. PLEASE READ IT CAREFULLY.

The Service applies predefined statutory rules and rates as published by Croatian government authorities, including but not limited to the Croatian Tax Administration (Porezna uprava) and the Croatian National Bank (Hrvatska narodna banka). These rules and rates are incorporated into the Service based on publicly available information and may be updated periodically.

You expressly acknowledge and agree that:

  • Tax laws, rules, rates, and regulations may change at any time. While we endeavor to update the Service to reflect such changes, we do NOT guarantee real-time accuracy, completeness, or currency of any tax-related information or outputs
  • You are SOLELY and ENTIRELY responsible for verifying all tax-related outputs, calculations, categorizations, and summaries with a licensed tax professional, certified accountant, or other qualified advisor before relying on them for any purpose
  • We accept NO liability whatsoever for incorrect tax filings, missed deadlines, penalties, fines, interest, audits, additional assessments, or any other tax-related consequences arising from or in connection with your use of, or reliance on, the Service
  • The Service is NOT a substitute for professional tax advice. Tax matters are complex and fact-specific; the Service applies general rules that may not account for your specific circumstances
  • If any Croatian or other tax authority disputes, challenges, or reassesses any calculation, categorization, filing, or determination that you made based on or in connection with Service outputs, you bear full and sole responsibility for such dispute, challenge, or reassessment, including all associated costs, penalties, fines, interest, and legal fees
  • LAZO will NOT participate in, contribute to, or bear any liability for any disputes, proceedings, audits, or correspondence between you and any tax authority, government agency, or regulatory body

11. Data Handling

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review the Privacy Policy carefully.

By using the Service, you acknowledge and agree that:

  • Your data may be processed using artificial intelligence and machine learning models, including third-party AI services, for the purpose of providing Service functionality (such as expense categorization and invoice data extraction)
  • We may use anonymized, aggregated data derived from your use of the Service for analytics, service improvement, and research purposes
  • Your data may be stored on third-party cloud infrastructure, including but not limited to Supabase and Vercel, which may involve data storage and processing in multiple jurisdictions

12. Third-Party Services

The Service may integrate with, rely upon, or link to third-party services, products, or websites. We are not responsible for and make no representations or warranties regarding any third-party services, their availability, accuracy, content, or their terms of service.

Payment processing for the Service is handled by Paddle.com Market Limited (“Paddle”), which acts as the Merchant of Record for all subscription transactions. Your use of Paddle's services is subject to Paddle's own terms of service and privacy policy. We are not responsible for Paddle's processing of your payment information.

13. Subscription and Billing

Paid subscription plans are billed on a monthly or annual basis through Paddle, our payment processor. All fees are exclusive of applicable taxes, which are calculated and collected by Paddle in its capacity as Merchant of Record.

Paddle is the Merchant of Record and the legal seller of all subscription plans. As such, Paddle is responsible for processing payments, issuing invoices, and handling applicable sales taxes and VAT.

Subscription fees are non-refundable except as expressly set forth in our Refund Policy. By subscribing to a paid plan, you authorize Paddle to charge the applicable fees to your selected payment method on a recurring basis until you cancel your subscription.

We reserve the right to change subscription fees at any time. Any fee changes will be communicated to you in advance and will apply to the next billing cycle following the notice period.

14. Termination

We may suspend, restrict, or terminate your access to the Service at any time, for any reason or no reason at all, at our sole and absolute discretion, with or without prior notice and without liability to you.

You may cancel your subscription at any time through Paddle's customer portal. Cancellation will take effect at the end of the current billing period, and you will retain access to paid features until that time.

Upon termination of your account, for any reason:

  • Your right to use the Service ceases immediately (or at the end of the current billing period, in the case of voluntary cancellation)
  • We may delete all data associated with your account within thirty (30) days of termination
  • We are under no obligation to retain, export, or provide copies of your data after termination

The following sections of these Terms shall survive termination: Intellectual Property, Disclaimer of Warranties, Limitation of Liability, Indemnification, Tax Disclaimer, Governing Law and Dispute Resolution, and any other provisions that by their nature should survive termination.

15. Force Majeure

LAZO shall not be liable for any failure or delay in performing its obligations under these Terms if such failure or delay results from events beyond our reasonable control, including but not limited to: natural disasters, acts of God, war, terrorism, riots, civil unrest, pandemics, epidemics, government actions or regulations, internet or telecommunications outages, power failures, server failures, cyber attacks, or failures of third-party services upon which the Service depends.

16. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of Montenegro, without regard to its conflict of law provisions.

Any disputes arising out of or in connection with these Terms or the Service shall be subject to the exclusive jurisdiction of the courts located in Podgorica, Montenegro. You irrevocably submit to the jurisdiction of such courts and waive any objection to the exercise of jurisdiction by such courts.

You expressly waive any right to participate in any class action, collective action, or representative proceeding arising out of or relating to these Terms or the Service.

Before initiating any formal legal proceedings, both parties agree to attempt to resolve any dispute through good-faith written correspondence for a period of thirty (30) days from the date of the initial written notice of the dispute.

17. Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid and enforceable, and the remaining provisions of these Terms shall continue in full force and effect.

18. Entire Agreement

These Terms, together with the Privacy Policy and Refund Policy, constitute the entire agreement between you and LAZO with respect to the Service and supersede all prior or contemporaneous understandings, agreements, representations, and warranties, whether written or oral, regarding the Service.

No waiver of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition, or a waiver of any other term or condition. Any failure by LAZO to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

19. Contact

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

Email: support@lazo.build