TERMS & CONDITIONS
Talk Time Cro | Tihana Klepač | talktimecro.com
Last updated: 1 October 2026
By purchasing or using our services, you agree to these Terms and Conditions. Please read them carefully before purchasing.
1. WHO WE ARE
The terms "we", "us", "our" and "Talk Time Cro" refer to:
Talk Time, obrt za poduke i druge usluge, owner Tihana Klepač
Filipovićeva 31, 10000 Zagreb, Croatia
OIB: 24316069540· Croatian Register of Crafts (Obrtni registar), Obrtnica: 21010155190, MBO: 98719432
Email: [email protected] · Phone: +385 95 9052 650
The terms "you" and "your" refer to customers and any other users of our services.
"Services" means our online language learning programmes (Croatian Entry Point, Level Up Croatian, Croatian Quadrant, Croatian Nexus, Short Stories in Croatian and any other programmes offered), our online learning platform, the AI chat assistant (August), and any other products or content provided by Talk Time Cro.
2. USE OF THE SERVICES
To use the Services, you must be at least 18 years old and have the legal authority to agree to these Terms.
Talk Time Cro is a fully online business serving students globally. By accessing our website and Services from any location, you agree to comply with your local laws and regulations.
We may update content on the website without prior notice. We aim for accuracy but cannot guarantee that all content is error-free at all times.
3. PROGRAMMES AND PRICES
All prices are in euros and are final prices; there are no additional fees. [If not in the VAT system, add: "The seller is not registered for VAT."]
Next to each price we also show the price that applied on 10 September 2026 (or, for programmes introduced later, the price when the programme was first offered and the date), as required by Croatian price-display rules.
Our current price list is published at https://assets.cdn.filesafe.space/KFf7xMZHUXLuexRQDBUw/media/6aba651ebe703c7b3040f89c.csv
- Croatian Entry Point — €389, one payment, lifetime access to the self-paced course, including future updates (digital content). A reduced price of €97 is available for 72 hours after you sign up for the free masterclass, through the personal link sent to you by email. After the 72 hours, the price is €389.
- Level Up Croatian — €27 per month, subscription, cancel anytime (digital content).
- Croatian Nexus — €47 per month, subscription with live teaching, cancel anytime.
- Croatian Quadrant — €799 as one payment, or by instalment plan (3 instalments of €296, or 9 monthly instalments of €99). Access for 12 months from enrolment.
- Short Stories in Croatian (ebook) — €7, one-time payment (digital content).
4. ACCOUNT CREATION
To access purchased programmes, you will need an account on our learning platform (Somba.io). You agree to provide accurate, current and complete information, including your name and email address. You must not impersonate another person or use an email address that is not your own. Your account is for your personal use only and must not be shared.
5. HOW THE CONTRACT IS MADE
The contract is concluded when your payment is successfully processed. Payments are processed by our payment provider (Somba / Stripe). You will receive a confirmation email with your order details and instructions for accessing your programme. If there is an error in this confirmation, please notify us at [email protected].
We may refuse or cancel an order in the case of an obvious pricing error; in that case any payment is refunded in full.
6. ACCESS TO SERVICES
- Croatian Entry Point: lifetime access, including future updates.
- Level Up Croatian: one new lesson is released each day. Access continues for as long as your subscription is active. The platform cannot save progress: if you cancel and later rejoin, you start the programme from the beginning.
- Croatian Nexus: access continues for as long as your subscription is active.
- Croatian Quadrant: access for 12 months from enrolment. Live session recordings are available for three months after each session.
7. SUBSCRIPTIONS AND CANCELLATION
Monthly subscriptions (Level Up Croatian, Croatian Nexus) renew automatically each month until you cancel. To cancel, use the cancellation link at the bottom of the programme page and enter the email address you signed up with, or email [email protected]. You will receive an email confirming the date of your cancellation.
[Choose one: "After cancellation, your access continues until the end of the month you have already paid for." OR "Your access ends when you cancel, and we refund the unused part of your current month."]
Croatian Quadrant instalment plans are a payment arrangement for one 12-month programme, not a cancellable subscription: by choosing instalments you agree to pay all instalments, subject to your right of withdrawal in section 8.
8. YOUR RIGHT OF WITHDRAWAL (14 DAYS)
As a consumer, you have the right to withdraw from the contract within 14 days of the day the contract was concluded, without giving any reason.
Digital content (Croatian Entry Point, Level Up Croatian, ebook): if, before paying, you asked for access to begin immediately and confirmed that you thereby lose your right of withdrawal, the right of withdrawal ends when access begins.
Programmes with live teaching (Croatian Nexus, Croatian Quadrant): if you asked for the programme to start within the 14-day period and you withdraw, you pay an amount proportionate to what was provided up to the moment you informed us of your withdrawal. If the service has been fully provided, the right of withdrawal no longer applies.
How to withdraw: send us a clear statement by email to [email protected] or by post to Filipovićeva 31, 10000 Zagreb, Croatia. You may use the model form below. It is enough to send your statement before the 14-day period ends. We will confirm receipt by email.
Refund: we will refund all payments received from you (less any proportionate amount under this section) without undue delay and no later than 14 days from the day we receive your withdrawal, using the same payment method you used, unless you expressly agree otherwise. You will not be charged any fee for the refund.
Model withdrawal form:
To: Talk Time, obrt za poduke i druge usluge, Filipovićeva 31, 10000 Zagreb, Croatia, [email protected]
I hereby give notice that I withdraw from my contract for the following programme: ______
Purchased on: ______
Name: ______
Email used for the purchase: ______
Date: ______
9. OUR ADDITIONAL 7-DAY GUARANTEE
In addition to your legal rights, for Croatian Entry Point and Level Up Croatian we offer a voluntary full refund within 7 days of purchase if the programme is not right for you, even if you have lost your right of withdrawal under section 8. Email [email protected] to request it. After 7 days, this guarantee no longer applies.
Before enrolling in Croatian Quadrant, you can book a free 15-minute Pathway Chat with Tihana to make sure the programme is right for you.
10. COMPLAINTS
You can submit a complaint in writing by email to [email protected] or by post to Filipovićeva 31, 10000 Zagreb. We will confirm receipt and reply in writing within 15 days of receiving it.
Consumers can also seek advice from the European Consumer Centre Croatia (www.ecc-croatia.hr) or from consumer protection bodies in their country of residence.
11. LAWFUL PURPOSES
You may use the Services for lawful purposes only. You must not post or transmit any content through the platform that infringes the rights of others, is unlawful, or is otherwise inappropriate.
12. AI CHAT ASSISTANT (AUGUST)
This website features an AI-powered chat assistant called August, operated through Somba.io. By interacting with August, you acknowledge that the content of your conversation may be processed and stored by Somba.io's systems in order to generate responses and create conversation summaries for Talk Time Cro staff. Please do not share sensitive personal or financial information through the chat assistant. Use of the chat assistant is subject to Somba.io's terms of service and privacy policy.
13. INTELLECTUAL PROPERTY — OUR CONTENT
All content provided through the Services — including video lessons, audio recordings, written materials, course structure, methodology and the 4-Pillar Method — is the intellectual property of Talk Time Cro and Tihana Klepač. It is licensed for your personal, non-commercial use only. You may not copy, reproduce, share, distribute, modify, publish, resell or create derivative works from any of our content without our prior written consent. You may not replicate our programmes or methodology and offer the same or substantially similar services to third parties. If you seriously breach this section, we may end your access to the Services.
14. INTELLECTUAL PROPERTY — YOUR MATERIALS
You retain all rights to the materials you submit through the platform (for example, texts written for Naš Vijenac). We use your materials within the programme for teaching purposes. We use them for promotional purposes only with your consent. You confirm that you have the right to submit any materials you post and that doing so does not infringe the rights of any third party.
15. RECORDINGS
Live sessions, including Grammar Therapy, Ćakula Café, Ćakula Café Plus and Monthly Masterclasses, are recorded so that students who cannot attend live can watch them. Recordings are available to enrolled students for three months after each session. Recordings in which you appear are used for promotional purposes only with your consent. If you do not wish to appear in a recording at all, please tell us at [email protected] before the session.
16. CONFIDENTIALITY
Content shared within community groups, live sessions and the platform may be visible to other students. Please be mindful of the information you share. We treat all personal communications with discretion but cannot guarantee confidentiality in shared community spaces.
17. PERSONAL DATA
We process your personal data as described in our Privacy Policy: talktimecro.com/privacy-policy
18. WARRANTY AND LIABILITY
We deliver our Services with professional diligence and genuine care for each student's progress. However, we do not guarantee specific outcomes. Language learning progress depends on many individual factors, including consistency, time invested and prior knowledge. We are not liable for indirect or consequential losses arising from use of the Services, except in cases of intentional misconduct or gross negligence. Where liability cannot be excluded by law, it is limited to the total fees you paid for the relevant Services. This does not affect your statutory rights as a consumer.
19. FORCE MAJEURE
In the event of delay or failure due to causes beyond our reasonable control — including natural disasters, war, pandemic, civil disturbance, or technical failures of third-party infrastructure — we will notify you as soon as practicable. If such an event continues for more than 60 days, either party may end the contract, and we will refund any fees paid for Services not provided.
20. ELECTRONIC COMMUNICATIONS
By using our website and Services, you agree to receive communications from us by email and through our platform. Electronic communications satisfy any legal requirement for written communication.
21. AMENDMENTS
We may update these Terms. Changes will be communicated by email or through a notice on the website at least 30 days before they take effect. If you do not agree with the changes, you may cancel your subscription before they take effect. Changes do not apply to purchases already completed. The current version is always available at talktimecro.com/terms-conditions.
22. SEVERABILITY AND SURVIVAL
If any provision of these Terms is found invalid or unenforceable, the remaining provisions continue in full force. The provisions on intellectual property, liability and governing law survive the end of the contract.
23. GOVERNING LAW
These Terms are governed by Croatian law. If you are a consumer living in another country, this does not deprive you of the protection of the mandatory consumer-protection rules of your country of residence, and you may bring proceedings in the courts of your country of residence.
24. CONTACT
Tihana Klepač · [email protected] · +385 95 9052 650
Talk Time, obrt za poduke i druge usluge, Filipovićeva 31, 10000 Zagreb, Croatia