Terms &
Conditions of Use

1. Company information

This website, available at btaenterprises.ro, is owned and operated by:

2. Acceptance of terms

By accessing and using this website, you confirm that you have read, understood and agree to these Terms and Conditions of Use. If you do not agree with any of the provisions below, please do not use the website.

BTA Enterprises reserves the right to modify these terms at any time without prior notice. Continued use of the website after publication of changes constitutes tacit acceptance of the new terms.

3. Services offered

BTA Enterprises offers consulting services in the following areas: financial consulting, insurance intermediation, real estate consulting, business consulting and personal and professional coaching.

Informational nature of content

The information presented on this website is of a general and informational nature. It does not constitute personalised advice and cannot replace an individual analysis of your specific situation. Financial, real estate or other decisions must be made on the basis of a personalised consulting service, provided directly.

Regulated activity

Insurance intermediation is a regulated activity supervised by the Financial Supervisory Authority (ASF). BTA Enterprises conducts this activity in accordance with applicable legislation.

4. Intellectual property

All content on this website — texts, graphics, logos, images, page structure and design — is the exclusive property of BTA Enterprises or is used with the consent of rights holders.

Reproduction, distribution, modification or use for any commercial purpose of the content without the prior written consent of BTA Enterprises is prohibited.

Partial quotation and distribution of direct links are permitted, provided the source is clearly mentioned.

5. Limitation of liability

BTA Enterprises makes reasonable efforts to ensure the accuracy of the information on the website, but does not guarantee that it is complete, current or error-free at all times.

• BTA Enterprises is not responsible for decisions made solely on the basis of general information presented on the website
• BTA Enterprises does not guarantee the uninterrupted availability of the website
• BTA Enterprises is not responsible for the content of external websites referenced
• BTA Enterprises's liability to clients is governed exclusively by individual service agreements

6. External links

The website may contain links to third-party websites. These links are provided solely for the information of users. BTA Enterprises does not control and is not responsible for the content, privacy policies or practices of external websites.

7. Appropriate use of the website

By using this website, you agree to:

• Use the website solely for lawful purposes and in accordance with these terms
• Not transmit illegal, defamatory, offensive or rights-infringing content
• Not attempt to compromise the security or normal operation of the website
• Provide accurate and complete information in the contact form

8. Privacy and personal data

The processing of personal data is governed by our Privacy Policy, available at btaenterprises.ro/privacy, which forms an integral part of these terms.

9. Applicable law and jurisdiction

These terms and any dispute related to the use of this website are governed by applicable Romanian law.

Any dispute will be resolved amicably. If no agreement is reached, disputes will be submitted to the competent courts of Romania.

Consumers have the right to use alternative dispute resolution procedures (ADR/ODR), through the European platform available at ec.europa.eu/consumers/odr.

10. Contact

For any questions related to these terms and conditions: