Legal information
Imprint / Impressum
Website operator
| Legal name / business name | Altoria FinSys d.o.o. |
|---|---|
| Public brand | Daniel Budak |
| Postal address | Ulica Viktora Cara Emina 14, Croatia |
| info@altoria.hr | |
| Phone | Not published on this website. |
| OIB / tax number | 59713860585 |
| VAT ID | HR59713860585, subject to final VAT/VIES status verification before paid public launch. |
| Business registration | MBS 081718467 · EUID HRSR.081718467 · Trgovački sud u Zagrebu |
| Company statistical number | Matični broj poslovnog subjekta 6282881 |
| Business activity | NKD 62.10.9 |
| Representative | Daniel Budak, Prokurist |
| Share capital / managing director | To be confirmed before publication if legally required on the live website. |
Media owner and editorial responsibility
| Media owner | Altoria FinSys d.o.o. |
|---|---|
| Editorial lead | Daniel Budak, BA Accounting & Finance, MA Banking & Finance |
| Responsible for content | Daniel Budak, acting for Altoria FinSys d.o.o. |
| Basic direction / Blattlinie | Independent personal-finance education and information for readers in Austria, Croatia, and the wider EU, with a focus on evidence-based financial literacy, taxes, investing, tools, and document understanding. |
| Languages | English first; Croatian and German versions may be added after source-copy approval. |
Commercial and payment setup
Paid digital products, courses, memberships, and education sessions launch through Stripe Payment Links unless a written exception is agreed before purchase. Wise may be used only as business banking or settlement infrastructure, not as a public consumer checkout method.
Accounting records, invoices, and reconciliation may be handled through the Altoria Accounting Platform or another named accounting workflow. Any regulated accounting, tax, legal, insurance, or investment service requires a separate engagement with a properly licensed professional or entity.
Service boundary
This website provides financial education and general information. It does not provide regulated financial advice, investment advice, tax advice, legal advice, insurance mediation, insurance brokerage, claim handling, securities recommendations, portfolio management, or automated decisions with legal or similarly significant effects.
- No personalized securities, broker, insurance, tax, or legal recommendation is made through the website.
- No insurance contract is mediated, brokered, negotiated, compared as a regulated service, or concluded through Daniel Budak.
- No tax return, financial statement, insurance claim, or legal filing is prepared by this website.
- When a question requires regulated advice, users should contact a licensed Austrian/Croatian/EU professional.
Dispute resolution
Consumer complaints may be sent to info@altoria.hr. Whether Altoria FinSys d.o.o. is obliged or willing to participate in a specific consumer alternative-dispute-resolution procedure must be confirmed before the public paid launch. The former EU Online Dispute Resolution platform was discontinued in 2025, so old ODR links should not be added.