Legal information

I. Cookie policy

The website www.supremio-digital.com uses cookies in accordance with Directive 2002/58/EC (as amended by Directive 2009/136/EC, the "ePrivacy Directive") and Regulation (EU) 2016/679 (GDPR). We collect consent for optional cookies with Cookiebot (Cybot A/S, Usercentrics group), a Google-certified consent management platform supporting the IAB Transparency & Consent Framework. You can give, refuse or change your consent at any time in the banner shown on your first visit or with this button:

Cookie settings

What is a cookie?

A cookie is a small text file stored on your device when you visit a website. Cookies let the site remember your settings, measure visits and show ads.

Cookies we use

Cookie lifetimes are set by each provider (from the end of your visit up to about two years). The complete, current list of cookies and partners is shown in the Cookiebot banner.

Ads on our free tool pages (Google AdSense)

Our free tool pages (for example the calculators under /en/ and /de/) show ads served by Google AdSense. Third-party vendors, including Google, use cookies to serve ads based on your previous visits to this website and other websites. Google's use of advertising cookies enables it and its partners to serve ads to you based on your visits to our site and/or other sites on the internet. If you refuse personalised ads, non-personalised ads may still be shown. Our Croatian service pages and blog do not show ads.

How to disable cookies

Besides the Cookiebot banner, you can control cookies in your browser settings. Blocking necessary cookies may affect how the site works.

• Google Ads Settings (personalised ads): google.com/settings/ads
• How Google uses information from partner sites: policies.google.com/technologies/partner-sites
• Google Analytics opt-out: tools.google.com/dlpage/gaoptout
• Advertising cookies of other partners: www.youronlinechoices.eu

II. Privacy policy

Supremio Digital (owner: Tomislav Kovačec, sole trader, Podbrežje XI. 26, 10000 Zagreb, Croatia, OIB (tax no.): [OIB]; e-mail: marketing@supremio-digital.com) processes your personal data as controller under Regulation (EU) 2016/679 (GDPR) and the Croatian Act on the Implementation of the GDPR (OG 42/2018).

What data we collect and why

Visiting the site: IP address, browser type, time and page requested are recorded in server log files for security and troubleshooting. Legal basis: legitimate interest (Art. 6(1)(f) GDPR).

Free tools (calculators): What you enter into our calculators (e.g. Schengen 90/180, tourist tax, Booking/Airbnb commission, fuel prices) is processed only in your browser; it is not sent to us or stored.

Contact forms, e-mail and WhatsApp: Name, contact details and your message — only to answer your request, prepare an offer or deliver an ordered service. Legal basis: pre-contractual steps and performance of a contract (Art. 6(1)(b) GDPR) and legitimate interest for general questions (Art. 6(1)(f)). WhatsApp is operated by WhatsApp Ireland Ltd., whose privacy policy also applies.

Supremio Analytics orders: Name, e-mail, property listing URL and chosen package — to produce and deliver the ordered digital report and issue an invoice. Legal basis: performance of a contract (Art. 6(1)(b) GDPR) and legal obligation regarding invoices (Art. 6(1)(c) GDPR).

Statistics and ads: Usage data via Google Analytics, Google Ads and Google AdSense, only with your consent (see section I). Google Analytics 4 does not store IP addresses.

How long we keep data

Enquiry data is kept until the conversation ends and for no longer than 2 years after the last contact. Order and invoice data is kept for 11 years as required by the Croatian Accounting Act. Google Analytics data is kept for 14 months. Server log files are kept only as long as needed for security.

Your rights

Under the GDPR you have the following rights, which you can exercise by writing to marketing@supremio-digital.com:

• Access — to the personal data we process
• Rectification — of inaccurate or incomplete data
• Erasure ("right to be forgotten"), subject to legal retention duties
• Restriction of processing — if accuracy or lawfulness is disputed
• Data portability — receiving your data in a machine-readable format
• Objection — to processing based on legitimate interest
• Withdrawal of consent — at any time, without affecting earlier processing

We reply within 30 days. You may lodge a complaint with the Croatian Personal Data Protection Agency (AZOP), Selska cesta 136, 10000 Zagreb, azop.hr, or with the supervisory authority of the EU country where you live or work.

Recipients

We do not sell personal data or share it with third parties for commercial purposes. Data may be accessible only to:

• Google Ireland Ltd. — processor for Google Analytics, Google Tag Manager and Google Ads; for Google AdSense Google also acts as an independent controller. Data may be transferred to Google LLC in the USA, which is certified under the EU–US Data Privacy Framework (European Commission adequacy decision), supplemented by EU Standard Contractual Clauses.
• Cybot A/S (Cookiebot), Denmark — cookie consent management
• Our hosting provider — hosting of the website and log files
• Public authorities — only where required by law

Security

The site is protected by SSL/TLS encryption (HTTPS). Contact forms are protected by CSRF tokens. Access to data is limited to the business owner.

E-mail and communication

Data from e-mails or forms is used only to answer your request. We do not send promotional e-mails without your prior consent.

III. Supremio Analytics — Nature of the service

What is Supremio Analytics?

Supremio Analytics is an automated service that uses artificial intelligence to produce an AI analysis of a property's market value from publicly available market data, listings and market trends. The result is a digital information report (Client Report or Agent Toolkit) that gives you an informed basis for buying or selling decisions.

What Supremio Analytics is not

Supremio Analytics is not and shall not be considered:

• An official valuation — which only a licensed court expert or certified valuer may prepare under the Real Estate Valuation Act (OG 78/2015)
• Financial advice — it is not an investment recommendation under the Capital Market Act
• Legal advice — it does not replace a lawyer or notary
• Tax advice — it does not consider your individual tax situation
• A guarantee of future value — the analysis is based on data available at the time it is produced

Limitation of liability for Supremio Analytics

The AI analysis is generated automatically from publicly available market data. Supremio Digital is not liable for business decisions made solely on the basis of a report. For final decisions, please consult a certified valuer, lawyer or financial adviser.

Supremio Digital is not a real estate brokerage and receives no commission on property transactions. Supremio Analytics is provided solely as an independent information service.

Proprietary methodologies

Personal data in Supremio Analytics

To produce a report we use the property listing URL you provide. Property data (location, size, price) is processed only to produce the ordered report and is not stored permanently after delivery. Your name and e-mail are used to deliver the report and issue the invoice, as described in section II.

Invoicing

Supremio Digital is not registered for VAT under Article 90(1) of the Croatian VAT Act (small business scheme); invoices are issued without VAT. The service is invoiced as: Digital AI property information report — Supremio Analytics.

IV. Video Nekretnine — "Sell it yourself" package

This section governs the video property advertising service Video Nekretnine (YouTube channel @videonekretnine), including the "Prodaj sam" ("Sell it yourself") package, available for properties for sale and for holiday rentals (apartments, villas, holiday homes).

1. Nature of the service — advertising, not brokerage

Video Nekretnine is a marketing service: the Provider creates an AI video ad of the property and publishes it on its own channel and platforms for a fixed one-time fee. The Provider is not a real estate broker — it does not negotiate, represent parties, organise viewings or charge any commission linked to the sale price or rent. Interested parties contact the Client directly.

2. What the package includes

• An AI video ad with the Provider's branding (logo, cards, AI content label);
• Publication on the channel and platforms (YouTube, YouTube Shorts, Facebook, Instagram) with a bilingual (HR/EN) description;
• Seller Intelligence Report™ — market price analysis and guidance for selling on your own (for sales only, not rentals);
• A YouTube link and ready-made text for sharing (property portals, WhatsApp, your own ads) — standard delivery is by link.

3. Client warranties and indemnity

The Client warrants that they own the property or are authorised to advertise it, that the data provided is accurate and that they hold the rights to the photos supplied and may transfer them to the Provider for the video. The Client will indemnify the Provider against third-party claims arising from inaccurate data or infringement of rights in the materials supplied.

4. Copyright and licence

The video ad, cards and branded elements are the Provider's copyright work. The Client receives a limited, non-exclusive, non-transferable right to use and share the video to advertise their own property. The Client may not remove the logo, branding or AI label, resell the video or use it for other commercial purposes.

5. AI content transparency

The video is an AI-generated depiction of the property based on the photos supplied and is visibly labelled as such, in line with rules on labelling artificially generated content.

6. Third-party platforms — limited warranty

Publication depends on third-party platforms (YouTube, Meta/Facebook, Instagram) that the Provider does not control. The Provider does not guarantee uninterrupted availability of the video on these platforms and is not liable for its removal or for suspension of the account/channel. If a platform removes the video or blocks the channel for reasons beyond the Provider's control, the Provider will on request deliver the video as an MP4 file for the Client's own use (with the AI label kept) or, where possible, republish it — at no extra charge. This does not entitle the Client to a refund, since the service (production, publication and Seller Intelligence Report™) has already been performed.

7. Duration and removal

The video stays online until the property is sold or rented or until the Client asks for removal, which is done without the need for a reason. After notice of sale, the Provider removes the price and contact details from the public version; the Client manages any copy they hold.

8. Payment and refunds

The fee for the "Sell it yourself" package is one-time and is set in a quote for the specific property before production starts. The video is first produced and sent for review as an unlisted video; the fee is paid only once the Client is satisfied, by HUB-3 barcode or bank transfer. As this is a digital service made to the Client's specifications and performed by delivery, no refund is possible after delivery, in accordance with Article 79 of the Croatian Consumer Protection Act (OG 19/2022). The fee covers production, publication and the report, not a guaranteed period of publication on the platforms.

9. No guarantee of sale

Producing and publishing a video ad does not guarantee the sale or rental of the property or any particular price.

V. Terms of use

These Terms of Use govern the use of www.supremio-digital.com and the services provided by Supremio Digital (owner: Tomislav Kovačec, sole trader for digital marketing and business services, Podbrežje XI. 26, Zagreb, Croatia; the "Provider"). By using the site and services you confirm that you have read and accepted these Terms.

1. Acceptance

These Terms are binding between you and the Provider. By using the services you confirm that you are of legal age or have the consent of a legal guardian.

2. Scope of services

• Google Ads campaigns — setup and management (Search, Display, Performance Max) for clients in Croatia and abroad
• Web development — website design and build
• SEO — visibility in organic search results
• Digital content creation for tourism and real estate
• Supremio Analytics — AI property market value analysis (section III)
• Video Nekretnine — AI video property ads (section IV)
• Free tools — calculators and information pages (e.g. Schengen 90/180, tourist tax, Booking/Airbnb commission, fuel prices) that give estimates based on the public sources named on each page; they are not legal, tax or financial advice

The Provider may change, suspend or discontinue a service with prior notice to clients with an active contract.

3. Use of the services

The services may be used for lawful purposes only. It is prohibited to:

• Transmit unlawful, defamatory, offensive or otherwise prohibited content
• Interfere with the security or integrity of the site or the Provider's systems
• Scrape content in bulk with automated tools without written consent
• Impersonate others or give false information when ordering

4. Intellectual property

All intellectual property rights in the services, marks, logos, content and methodologies belong to the Provider or its licensors. Reproduction, distribution, modification or public display of protected content without written consent is prohibited.

5. Payment and invoicing

Fees are agreed individually and confirmed in a written quote or contract. Supremio Digital is not registered for VAT (Art. 90(1) Croatian VAT Act); invoices are issued without VAT.

Supremio Analytics is paid in advance (unpaid orders are not processed) by bank transfer (IBAN: HR8624020061140494701), HUB-3 barcode or PayPal, following the instructions sent by e-mail. The report is delivered within 24 hours of payment confirmation.

As this is digital content delivered immediately after payment, no refund is possible once the report has been delivered, in accordance with Article 79(1)(m) of the Croatian Consumer Protection Act (OG 19/2022), with the consumer's express consent.

6. Third-party services

Some services involve third-party platforms (Google Ads, Google Analytics, Google AdSense, Cookiebot and others), whose own terms and privacy policies apply. Advertisers are responsible for third-party ads shown on our tool pages.

7. Disclaimer

Services are provided "as is" and "as available". The Provider gives no warranty as to accuracy, reliability or fitness for a particular purpose — in particular for Supremio Analytics and the free tools, whose results depend on data available at the time. You bear the risk of decisions based on these results.

8. Limitation of liability

To the extent permitted by law, the Provider is not liable for direct, indirect, incidental or consequential damage arising from the use or inability to use the services, including loss of profit or data. This does not limit liability that cannot be excluded by law, in particular towards consumers.

9. Indemnity

You will indemnify the Provider against claims, damages and costs (including reasonable legal fees) arising directly from your breach of these Terms.

10. Changes

The Provider may update these Terms; changes take effect when published here with the update date. Clients with an active contract are informed of material changes by e-mail.

11. Governing law and disputes

These Terms are governed by the law of the Republic of Croatia; for consumers, the Croatian Consumer Protection Act (OG 19/2022) and the mandatory rules of their country of residence also apply. We try to settle disputes amicably; otherwise the Municipal Civil Court in Zagreb has jurisdiction, unless mandatory law provides otherwise. The parties may also agree on mediation before the Mediation Centre of the Croatian Chamber of Economy or another alternative dispute resolution body.

List of out-of-court consumer dispute resolution bodies in the EU: consumer-redress.ec.europa.eu

12. General provisions

Severability: If any provision is invalid, the rest remain in force. Entire agreement: These Terms together with individual quotes or contracts form the entire agreement. No waiver: Failure to enforce a provision is not a waiver. Assignment: You may not assign rights or obligations without the Provider's written consent. If the language versions differ, the Croatian version prevails.

Contact and controller

For any question about these Terms, the Privacy Policy, the Cookie Policy or your rights: