Welcome to realvetcost.com (the 'Site'), operated by Germanist, s.r.o. ('we,' 'our,' or 'us'). By accessing or using this Site, you agree to these Terms of Service.

Company Information
Germanist, s.r.o.
VAT ID: CZ11973030
Address: Nove sady 988/2, Stare Brno, 602 00 Brno, Czech Republic
Contact: marcel@uxcode.cz

1. Acceptance of Terms
By using this Site, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, do not use the Site.

2. Description of Service
realvetcost.com provides educational content about:
- Typical health conditions and associated costs for specific dog breeds
- General principles of pet insurance
- Common insurance policy limitations and exclusions

We are not a licensed insurance broker, financial advisor, or veterinarian. All content is for educational purposes only.

3. Not Professional Advice
The information provided on this Site does not constitute:
- Veterinary medical advice or diagnosis
- Financial or insurance advice
- Legal advice
- Professional recommendations specific to your situation

Always consult with a licensed veterinarian for medical decisions and a licensed insurance professional or financial advisor for insurance and financial decisions.

4. No Warranty on Accuracy
While we strive for accuracy, we make no guarantees that:
- Cost estimates reflect current pricing in your area
- Insurance policy details are current or complete
- Breed-specific health statistics apply to your individual dog

Veterinary costs vary by location, provider, and specific circumstances. Insurance policies change frequently. Always verify information independently.

5. Affiliate Relationships
We may include links to pet insurance providers and earn affiliate commissions if you purchase through those links. This does not affect your price and does not influence our educational content. When affiliate links are present, they will be clearly disclosed.

6. User Responsibilities
You agree to:
- Use the Site for lawful purposes only
- Not attempt to harm, hack, or disrupt the Site
- Not copy or redistribute our content without permission
- Verify all information independently before making decisions

7. Intellectual Property
All content on this Site, including text, graphics, data compilations, and downloadable materials (such as our Dog Insurance Due Diligence Workbook), is owned by Germanist, s.r.o. or licensed to us. You may download and use our workbook for personal, non-commercial use. You may not:
- Resell or redistribute our materials
- Claim our content as your own
- Remove copyright or attribution notices

8. Limitation of Liability
To the fullest extent permitted by law: We are not liable for any decisions you make based on information from this Site. You use this Site at your own risk.

We are not responsible for:
- Veterinary costs or outcomes
- Insurance claim denials or coverage gaps
- Financial losses resulting from insurance decisions
- Errors or omissions in our content
- Third-party website content (including insurance providers)

9. Indemnification
You agree to indemnify and hold harmless Germanist, s.r.o., its officers, and employees from any claims, damages, or expenses arising from your use of the Site or violation of these Terms.

10. External Links
Our Site contains links to third-party websites (insurance providers, veterinary resources, etc.). We are not responsible for the content, accuracy, or practices of external sites. Review their terms and privacy policies independently.

11. Modifications to Terms
We reserve the right to modify these Terms at any time. Changes are effective immediately upon posting. Continued use of the Site constitutes acceptance of modified Terms.

12. Termination
We reserve the right to terminate or suspend access to the Site at our discretion, without notice, for any reason including violation of these Terms.

13. Governing Law
These Terms are governed by the laws of the Czech Republic. Any disputes shall be resolved in the courts of Brno, Czech Republic.

For U.S. users: Nothing in these Terms limits your rights under applicable U.S. consumer protection laws.

14. Severability
If any provision of these Terms is found unenforceable, the remaining provisions remain in full effect.

15. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Germanist, s.r.o. regarding use of the Site.

16. Contact
For questions about these Terms:
marcel@uxcode.cz
Germanist, s.r.o., Nove sady 988/2, Stare Brno, 602 00 Brno, Czech Republic