Welcome to the website of Adriatic Finance Group d.o.o. By accessing, browsing or using this website, you agree to the terms set out below. If you do not agree with these terms, please do not use the website.
In this notice, "Adriatic Finance Group", "AFG", "we", "us" and "our" refer to Adriatic Finance Group d.o.o.
2. Purpose and scope of the website
This website provides general information about Adriatic Finance Group, our business approach and the services that may be available in relation to company formation, market entry, local representation, investment and business advisory in Montenegro and Southeast Europe.
Website content is introductory and informational. It is not designed to address the circumstances of a particular person, company, project or transaction.
3. Acceptance and changes
By using the website, you confirm that you have read and accepted this notice. We may amend, replace or update these terms at any time. The revised version will apply from the date it is published on this page.
4. No legal, tax, financial or other professional advice
Nothing on this website constitutes legal, tax, accounting, financial, investment, banking, immigration, insurance, regulatory or other professional advice.
Any description of a market, procedure, company structure, investment environment, residence route, business opportunity or regulatory matter is general in nature. It does not take into account your objectives, legal position, financial circumstances, tax residence, risk profile or the specific facts of a proposed project.
Before making a decision or taking action, you should obtain advice from appropriately qualified professionals who have reviewed your circumstances.
5. No client or professional relationship
Accessing this website, submitting a contact form, sending an email or participating in an initial discussion does not create a client, advisory, fiduciary, agency or other professional relationship with Adriatic Finance Group.
A professional relationship is created only when the scope, terms and responsibilities of an engagement have been expressly agreed in writing.
6. No offer, solicitation or guarantee
Website content does not constitute an offer, invitation, solicitation or recommendation to invest, acquire an asset, establish a company, enter a transaction, purchase a service or participate in a business opportunity.
Adriatic Finance Group does not guarantee any particular commercial result, return, approval, bank account, permit, licence, tax treatment, residence status, completion date or other outcome.
7. Accuracy, currency and availability of information
We aim to present information clearly and in good faith. However, laws, administrative procedures, banking requirements, market conditions and professional practices may change, and information may become incomplete or outdated.
To the extent permitted by law, we make no representation or warranty that website content is complete, current, accurate, suitable for a particular purpose or free from error. You should independently verify information before relying on it.
8. Risks associated with business and cross-border activity
Company formation, market entry, investment, real estate, banking and cross-border business may involve legal, tax, financial, operational, regulatory, political, reputational and commercial risks.
The nature and degree of risk depend on the project, the parties involved, the jurisdictions concerned and the quality of the available information. Past performance, prior practice or general market commentary is not a guarantee of a future result.
9. Business Monitor, Newsroom, RSS feeds and third-party information
The website may display news, articles, headlines, RSS feeds, economic information or other material originating from third-party publishers and public sources.
Such material is provided for convenience and general information. It does not necessarily represent the views of Adriatic Finance Group and should not be treated as advice, endorsement or independent verification by AFG. Visitors should consult the original source and verify relevant information before relying on it.
Unless otherwise stated, the text, graphics, logos, design elements, page layouts, documents, downloadable materials, reports, presentations, website structure and other original content on this website are owned by Adriatic Finance Group or used with permission. They may be protected by copyright, trademark, database, unfair-competition and other intellectual-property laws.
11. Permitted use
You may view the website and print or download limited extracts for lawful personal or internal business reference, provided that the content is not altered, the source is acknowledged and the material is not used in a misleading manner.
No other right or licence is granted unless Adriatic Finance Group provides prior written permission.
• Modify, translate, adapt or create derivative works from the content.
• Use AFG content, branding or materials in a way that suggests endorsement, partnership or affiliation.
• Remove copyright, trademark, source or disclaimer notices.
• Scrape, harvest, mirror or systematically extract content by automated means.
• Use the website or its content for unlawful, fraudulent, misleading, defamatory or harmful purposes.
13. Name, logo and brand use
The Adriatic Finance Group name, logo, visual identity and related brand elements may not be used without prior written consent. Nothing on this website grants a licence to use any AFG trademark, trade name or brand asset.
14. External links
The website may link to external websites, institutions, media outlets, service providers or other resources. Links are provided for convenience only.
Adriatic Finance Group does not control and is not responsible for the content, security, accuracy, privacy practices, availability or legality of third-party websites. The presence of a link does not imply endorsement or a professional relationship.
15. Website availability, security and user conduct
We do not guarantee uninterrupted, secure or error-free access to the website. Access may be suspended or restricted for maintenance, security, technical or operational reasons.
You must not attempt to gain unauthorised access to the website, its servers or data; introduce malicious code; interfere with website operation; impersonate Adriatic Finance Group; or use the website in a manner that may damage AFG or another person.
16. Personal data and enquiries
When you contact us, we may process the personal information that you voluntarily provide in order to respond to your enquiry, assess a potential engagement, maintain business records, protect our legitimate interests or comply with legal obligations.
Please do not send confidential, privileged or highly sensitive information through the website contact form unless we have agreed an appropriate communication method.
A separate Privacy Policy is published, and applies in addition to this notice and provides more detailed information about personal-data processing and individual rights.
17. Cookies and analytics
The website may use essential cookies and, where enabled, analytics or similar technologies to support functionality, security and an understanding of website use.
Cookie settings may be managed through the website banner, where available, or through your browser. A separate Cookie Policy, is published, and applies in addition to this notice.
18. Limitation of liability
To the fullest extent permitted by applicable law, Adriatic Finance Group and its directors, employees, representatives, consultants and service providers shall not be liable for loss or damage arising from the use of, inability to use, or reliance on this website or its content.
This includes loss arising from errors or omissions, outdated information, technical interruption, third-party content, external links, malware introduced by third parties, or decisions made solely on the basis of general website information.
Nothing in this notice excludes or limits liability where such exclusion or limitation is prohibited by law.
19. Governing law and jurisdiction
This notice and the use of the website are governed by the laws of Montenegro. Any dispute relating to the website or these terms shall be subject to the jurisdiction of the competent courts of Montenegro, unless mandatory law provides otherwise.
20. Contact
Questions about these terms, copyright permissions or website content may be sent to:
