Terms of Use

A. Acceptance of Terms

Access to and use of the Website constitutes your unconditional acceptance of these Terms of Use. These terms apply to all visitors, readers, and others who access or use the Website. They form a binding agreement between you and Vatobe Xicepu under Romanian law, specifically in accordance with Law no. 365/2002 on electronic commerce and the Civil Code of Romania.

You represent that you are at least sixteen years of age, or that you are accessing the Website under the supervision of a parent or legal guardian who has agreed to these terms on your behalf. If you are accessing the Website on behalf of an organisation, you represent that you have the authority to bind that organisation to these terms.

B. Nature of Content

The Website provides educational content about media literacy as applied to financial and economic news. All articles, posts, programme descriptions, and other materials published on the Website are intended solely for informational and educational purposes.

Content on the Website discusses how financial news is written, framed, and presented. It analyses rhetorical techniques in media, explains how to locate and read public economic data sources (including publications from the National Bank of Romania and the National Institute of Statistics), and provides context for understanding economic reporting. Nothing on this Website constitutes or should be construed as financial advice, investment advice, tax advice, legal advice, or any other form of regulated professional advice.

The educational content on this Website is not tailored to any individual's specific financial situation, objectives, or needs. Readers should not rely on any content on this Website as a basis for financial or investment decisions.

C. No Financial Advice Disclaimer

Vatobe Xicepu is not a financial advisory firm, investment firm, credit institution, insurance undertaking, or any other regulated entity under Romanian or European financial services law. The Website does not hold any licence from the Financial Supervisory Authority of Romania (Autoritatea de Supraveghere Financiară, ASF) or the National Bank of Romania (Banca Națională a României, BNR) to provide financial services or investment advice.

Content discussing specific economic indicators, market movements, or financial data is provided solely for illustrative and educational purposes in the context of media literacy analysis. Such content does not represent a recommendation to buy, sell, hold, or otherwise transact in any financial instrument, currency, asset, or product.

Readers who require financial or investment advice should consult a suitably qualified and regulated professional. Vatobe Xicepu accepts no responsibility for any financial decisions made in reliance on content published on this Website.

D. Intellectual Property

All content on the Website, including but not limited to text, graphics, logos, images, programme materials, and the overall design and layout, is the intellectual property of Vatobe Xicepu or its content contributors, and is protected by applicable Romanian and European copyright law, including Law no. 8/1996 on copyright and related rights, as amended.

You are permitted to access, read, and share links to pages on this Website for personal, non-commercial purposes. You may not reproduce, distribute, modify, create derivative works from, publicly display, publicly perform, republish, download, store, or transmit any material from the Website without the prior written consent of Vatobe Xicepu, except as expressly permitted by these Terms.

The name "Vatobe Xicepu" and associated branding elements are the property of Vatobe Xicepu. Nothing in these Terms grants you any right or licence to use any trademark, service mark, or trade name of Vatobe Xicepu.

E. Permitted Use

You may use the Website only for lawful purposes and in accordance with these Terms. You agree not to use the Website in any way that violates applicable local, national, or international law or regulation; to transmit or procure the sending of unsolicited or unauthorised advertising or promotional material; to knowingly transmit any data or material that contains viruses, Trojan horses, worms, or other malicious or technologically harmful material; to attempt to gain unauthorised access to any part of the Website or its related systems; or to engage in any conduct that restricts or inhibits anyone's use or enjoyment of the Website.

Automated scraping, crawling, or data extraction from the Website beyond what is permitted by standard search engine indexing is not permitted without prior written consent.

F. Third-Party Links

The Website may contain links to external websites, including the websites of the National Bank of Romania (bnr.ro), the National Institute of Statistics (insse.ro), Eurostat (ec.europa.eu/eurostat), and other public data sources. These links are provided for informational convenience only.

Vatobe Xicepu has no control over the content, privacy practices, or availability of third-party websites. The inclusion of a link does not imply endorsement of the linked website or its operators. Vatobe Xicepu accepts no responsibility for the accuracy, completeness, or reliability of content on third-party websites, nor for any loss or damage arising from your use of those websites.

G. Accuracy of Information

While we make reasonable efforts to ensure that content published on the Website is accurate and current at the time of publication, the Website is provided on an "as available" basis without warranties of any kind. Economic data and media landscapes change continuously. Content on the Website may not reflect the most current developments.

References to public data sources such as BNR and INS are accurate to the best of our knowledge at the time of writing. We encourage readers to verify all data directly from the primary source before relying on it for any purpose. Vatobe Xicepu does not warrant the accuracy, completeness, or fitness for purpose of any information on the Website.

H. Limitation of Liability

To the fullest extent permitted by applicable Romanian law, Vatobe Xicepu and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation damages for loss of profits, data, goodwill, or other intangible losses, arising out of or in connection with your access to or use of (or inability to access or use) the Website, any content on the Website, or any decisions made in reliance on content published on the Website.

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded or limited under applicable Romanian law, including Law no. 449/2003 on the sale of products and associated guarantees (as applicable).

I. Availability of Website

Vatobe Xicepu does not guarantee that the Website will be available at all times or free from errors, interruptions, or technical issues. We reserve the right to modify, suspend, or discontinue the Website or any part of it at any time without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of the Website.

Scheduled maintenance and unplanned outages may result in temporary unavailability. We will endeavour to minimise disruption where practicable.

J. Governing Law and Jurisdiction

These Terms of Use and any dispute or claim arising out of or in connection with them shall be governed by and construed in accordance with the laws of Romania, without regard to its conflict of law provisions. The Civil Code of Romania, Law no. 365/2002 on electronic commerce, and other applicable Romanian legislation govern the interpretation and enforcement of these Terms.

Any disputes arising from or relating to these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the competent courts of Bucharest, Romania, unless mandatory consumer protection provisions under Romanian or European law require otherwise.

K. Modifications to Terms

Vatobe Xicepu reserves the right to revise and update these Terms of Use at any time. The revised terms will take effect from the date indicated in the "Last Updated" field at the top of this page. Continued use of the Website following the posting of revised Terms constitutes your acceptance of the changes.

Where changes are material, we will make reasonable efforts to provide notice through the Website. We encourage you to review these Terms periodically to remain informed of any updates.

L. Contact

Questions or concerns regarding these Terms of Use should be directed to:

Vatobe Xicepu
Calea Dorobanți 133, Bucharest, Romania
Email: [email protected]
Phone: +40 744 227 435