Terms & Conditions

Terms of use of the site

This site is owned by CRESMART ADVISOR S.R.L., fiscal code 40293287, based in Cluj-Napoca (Romania), bulevardul Eroilor 44A.

The use of the site as a visitor, the registration as a user and the access to the services offered by it implies the acceptance of these terms and conditions, with all the consequences arising from their acceptance.

The terms and conditions of use may be updated by the Owner at any time, and accessing or using the site implies unconditional acceptance of the Terms and conditions in the form and content displayed at the time of access / use.

Certain features or categories of the targeted sites may be subject to additional terms or rules, terms or rules, which will be posted on the site in connection with such features or categories.

This site is provided in the form in which it is presented to its access by users, without any other guarantees.

The owner of the site is not and cannot be held responsible for any inaccuracies, unavailability or other deficiencies of this site or the displayed content.

If you use the services or information provided by this site, this will be equivalent to your acceptance of the terms and conditions in the form and content displayed at the time of use and you warrant that you have the right, authority and ability to enter into this agreement (“Terms and Conditions”) as well as to access and use the site.


Content of the Agreement:

  • Access, registration and responsibilities
  • Protection of intellectual property
  • Use of site content
  • Rules of conduct
  • Communication platforms
  • Suspend access
  • Confidentiality. Personal data
  • Cookies
  • Limitation of liability
  • Exonerating causes
  • Diverse
  • Notifications. Applicable law. Solving requests / complaints


Access to view editorial content is not subject to registration on the site.

You will be responsible for maintaining the confidentiality of your user information, and we will not be responsible for the misuse of information by a third party, authorized or not by you.

You are responsible for all activities that occur in the accounts generated with your user information. You agree to immediately notify the owner of the Site of any unauthorized use or suspected unauthorized use of the Information User or any other breach of security. The owner of the site cannot and will not be liable for any loss or damage caused by the non-observance of the aforementioned requirements.

Use of the site

During the use of the site and its services, you, the user, undertake to abide by the laws in force and not to perform cracking, hacking or similar activities that endanger the proper functioning of the site, the server, information security, etc .; you agree not to modify, copy, distribute, transmit, display, publish, reproduce, create derivative products or sell any information or services obtained through the Site; you agree to bear any additional costs related to the use of the Website, such as those charged by telephone and Internet service providers.


The content and design of the Site as well as any other material relating to the Site published on the site or sent to you by email or provided by you in any other way - such as, for example: articles, newsletters, design and any other materials to which we are hereinafter referred to as "Site Content"), belong to the Site and its collaborators - where this is expressly specified or not specified by another author - (copyright) and are protected by intellectual property law. You may not use, reproduce or permit anyone to use or reproduce the materials without written permission from the owner of the Site.

If you publish content on the Site, you declare that:

  • grant the Site a non-exclusive, free, unlimited time and space license for all copyrights on the content published by you on the Site. By submitting the material, you understand and agree that you transmit to the site a non-exclusive and unlimited time copyright, the right to publish, republish and maintain the material on the Site, as long as the Site exists, as well as a non-exclusive and unlimited time to publish, republish, translate and use the material on any other site as well as any publication of the site owner.
  • You warrant that you are the author of the published content or that you have the right to publish it on the Site.
  • You are not liable to the Site for any complaints made by third parties regarding the content posted by you and hosted by the Site and you will be held responsible to the owner of the site, third parties entitled and / or authorities regarding the content posted by you and hosted of Site

The site reserves the right to correct, modify or delete the content you post, without your information.

The site belongs to the Holder or the licensor and is protected according to the legislation in force. The use of the name, the mark by any third party, in any way, without the written consent of the owner is forbidden.

The owner may place for sale through the site its own products or offered by other manufacturers or suppliers (hereinafter referred to as Third party suppliers). They may have trademark rights to the name of the products and / or services made available, rights that you are obliged not to infringe. You also understand and agree that third party suppliers are responsible for the images or technical details of the products provided and that you will address to them any complaints regarding the content they provide.


You may copy and print the Content of the Site (data, images and any other type of information presented on the Site) only for your personal use, without commercial intention, according to the legal provisions. In any other case, the content of the Site may not be reproduced, modified and exploited, regardless of the commercial or non-commercial purpose of this exploitation.

The actions described below are not allowed unless prior written permission from the Site is obtained:

a. reproduction or storage of the Content, as well as sending this content to any other website, server or third party, any other means of storing the information.

b. modification, publication, transmission, as well as participation in the transfer, sale, distribution of materials made by reproducing, modifying or displaying the Content, without the prior written permission of us.

c. removal of the marks (including the link to the original article) attesting the copyright of the Site on the Content.

Any use of the content of the Site for purposes other than those expressly permitted by this agreement is prohibited.

Requests to use the content for purposes other than those expressly permitted by this document may be sent to the email address: business@cresmartadvisor.com


The Site may, without any notification or other formality and without this need to explain its attitude, suspend or cease your access to the Content of the Site or any part of this content.


The use of personal data is made according to the Privacy Policy or according to the information you had at the time of their collection.

Data security is an important aspect for us that is why we implement, check and regularly update procedures regarding the protection of personal data, organizational and technical measures in order to ensure confidentiality and security of personal data and all the information in our care. .

Cookies Policy

Cookies are data that a website transfers to a person's hard drive in order to store it. Cookies are an industry standard and are used by most sites, including those managed by us, making it easy for a user to access a site. This technology allows us to tailor the site to your needs. If you do not want information collected through the use of Cookies, there is a simple process in many browsers that will allow you to reject or accept the features / functions of Cookies. Please note that Cookies may be required to provide you with certain facilities of our online services.



Although we make every effort to ensure the quality and correctness of the articles published on the site, the Website cannot guarantee, expressly or implicitly, with respect to the content or, the Site, the software or the products and services published under its aegis. The Site assumes no liability, in any situation, for any damage, directly or indirectly caused, for any direct or indirect non-profit (including, but not limited to this listing: loss-of-profit damages, interruption of business, or other pecuniary damage), suffered as a result of the use or discontinuation of use or the lack of regularity of the information and services provided by the site, even if the Site had previously warned you that the use of this information without a specialized consultant may generate such damages.

The site does not guarantee the accuracy, correctness or current character of the information or services provided. Also, the Site does not warrant that the computer systems or software used to display or transmit information on the Site or in any other form does not contain viruses or other destructive code sequences or other destructive properties.

The owner will not be liable for any direct, indirect, accidental, special damages, including, but not limited to, loss for profit, goodwill, possibility of use, data or other intangible or immeasurable losses (even if informed prior to the possibility of such losses), resulting from:

  • the use or impossibility of using the information of the site,
  • the cost of purchasing complementary goods or services resulting from any goods, data, information or services,
  • purchased or obtained, messages received, transactions started through / from the site,
  • unauthorized access to, or damage to, transmissions or user data,
  • statements or actions of any third party on the services of the site,
  • any other issue related to the site services.

If you believe that a material on the site, posted on the site by third parties or users, violates any rights or legal provisions, please report this situation to the email address business@cresmartadvisor.com

For sections of the site that may contain user opinions, the responsibility for the content of the opinions lies entirely with their authors. The owner reserves the right to delete from the site those opinions that contravene the terms and conditions of use of the site or which it considers harmful, in any form, to its own image, to its partners or third parties.

Promotional messages

Based on your prior consent, the Site, its partners or others may from time to time send emails containing promotional messages, advertising campaigns, etc.

The Site assumes no responsibility for the consequences of purchasing the products or services promoted through the promotional messages offered by third party users to the Site.

You agree to disclaim the Site for any legal or extrajudicial actions and to cover any costs and any other costs that may arise as a result of your breach of the terms of this contract.

The Site reserves the right to suspend, modify, add or delete portions of its Content at any time. The Website also reserves the right to restrict the access of users to all or part of its content.


The owner, affiliates and / and in general, the providers of information to the Site can not be held responsible for any delay or error in the content provided by the content, resulting directly or indirectly from causes that do not depend on the will of the owner. This exemption includes, but is not limited to: errors in the operation of the technical equipment, lack of functioning of the internet connection, lack of functioning of telephone connections, computer viruses, unauthorized access to the systems of the Site, errors of operation, strike, etc.


Changing the terms of this agreement. 

The site is entitled, without notification and without other formalities, to change the terms of this agreement. When these terms change the new form of the agreement will be published and the change will be notified by message displayed on the site within the first 5 days. Once updated the agreement will be mentioned in each version.

Access to the site and use of our services after the time of notification or display of the updated agreement implies that you have given your consent to the new terms of this agreement.

Some services or sections offered by the Site may be subject to different terms, which will be displayed in the case of each such service / section, in a visible place, and may be accessed before using the service / section.

Advertising and content provided by other parties. Parts of the content included in the Site may be provided by third parties with whom the Site has entered into content delivery contracts.

Also, the content of the Website may include advertising sections in which advertising messages of third parties will be displayed.

The site is not responsible in any way on the content provided by third parties, whether it is advertising or not.

Also, the Site is not responsible for the content of the pages referred to from within.


Any request or notification to the holder must be sent by electronic mail or by transmission by any means provided by law.

The rights and obligations of the parties, imposed by this agreement, as well as all the legal effects that this agreement produces, will be interpreted and governed by the Romanian law in force.

Any misunderstanding or dissatisfaction will be resolved with an amicable priority.

In case the settlement of disputes, complaints, misunderstandings cannot be carried out amicably, the litigation will be deducted for settlement before the competent Romanian courts.