Terms of use and provision of services

Effective from 31 August 2026

1. Operator and contact details

The operator of the InvestBySea website and the provider of the services set out in these terms is Assetvia s. r. o., with its registered office at Sibírska 1608/4, 831 02 Bratislava – Nové Mesto, Slovakia, Reg. no.: 57839051, registered in the Commercial Register of the Bratislava III City Court, section Sro, insert no. 203155/B, e-mail: info@investbysea.com (hereinafter “InvestBySea”, “the provider” or “we”).

The company is not registered for VAT.

2. Scope of these terms

These terms govern the use of the InvestBySea website, the free introductory consultation and the paid Individual property selection service. For paid services, the information given in the e-mail confirmation and on the invoice also forms part of the contract. Where individually agreed terms differ from these terms, the individual agreement prevails, unless it conflicts with the mandatory rights of a consumer.

3. The role of InvestBySea in relation to properties

InvestBySea presents property listings, provides indicative information and connects interested parties with a local partner, a seller, a developer or another person responsible for a particular listing. For listings in Montenegro we work primarily with “CMM” d.o.o. Budva, Jadranski put bb, Budva, Montenegro, registration number 50511453, tax identification number 02742187.

Unless we expressly state otherwise for a particular listing, Assetvia is not the owner or the seller of the property, is not the developer, and is not a party to a reservation or purchase contract. We do not accept the purchase price, a reservation fee or any other payment intended for the seller or for CMM. Such payments are made directly to the person named in the relevant contract.

InvestBySea does not provide legal, tax, audit, banking or investment advice. Before deciding to buy, we recommend independent legal, technical, tax and financial checks on the property and on the contractual documentation.

4. Information and listings on the website

Property information, in particular price, availability, floor area, condition, yield, costs, photographs and completion date, comes from partners or third parties and may change. We make reasonable efforts to keep it current, but what is decisive is the information confirmed by the seller and the content of the signed reservation, purchase or other contract.

Translations and short descriptions may be produced or edited by automated tools. Before making a legal or financial decision, the user is required to verify material information in the original documentation. Any yields, rental estimates and model calculations given are indicative and do not constitute a guarantee of future return.

5. Free introductory consultation

The free introductory consultation usually lasts 15 minutes and serves to give you a basic orientation in what is available, to clarify your criteria and to explain the next steps. It does not result in legal, tax, investment or credit advice, and it does not include an individual selection of approximately ten properties.

6. Individual property selection – €299

Individual property selection is an optional paid service. It is not a condition of obtaining information about a listing, nor of purchasing a property.

The service includes:

• clarification by telephone or online of your criteria, budget, purpose of purchase and preferred location;
• a selection of approximately 10 properties which, on the basis of the available data, best match the criteria you have given;
• a brief comparison of the selected listings and an explanation of why each was included; depending on the availability of data, it may cover advantages and disadvantages, the price per m², indicative costs, an estimate of rental yield, a simple cashflow model or information about financing options;
• delivery of the output by e-mail or by an electronic link, and a short follow-up consultation call.

The price of the service is €299. The price is final; Assetvia s. r. o. is not registered for VAT. It does not include legal, technical, tax, expert-valuation, banking or translation services provided by third parties.

7. Order and formation of the contract

You notify us of your interest in the paid service by telephone or through the contact form on this website. After the call, or after we receive your enquiry, we will send you by e-mail a summary of the agreed scope of the service, these terms or a link to them, information about the right of withdrawal, a model withdrawal form, and an invoice for €299.

The contract for the provision of the service is concluded only when the full amount of €299 is credited to the account given on the invoice. By paying the invoice you confirm the order and your agreement with the agreed scope of the service and with these terms. If you do not pay the invoice by its due date, no contract arises and we are not obliged to provide the service.

Before paying, please check the order summary and the billing details. If anything is incorrect or incomplete, contact us at info@investbysea.com.

8. Commencement and delivery of the service

If you are a consumer, we will begin providing the service once 14 days have elapsed from the conclusion of the contract, unless you expressly request an earlier start on a durable medium. To request an earlier start you may reply to the e-mail containing the invoice with the following wording:

“I request that provision of the Individual property selection service begin before the expiry of the 14-day period for withdrawal from the contract. I acknowledge that once the service has been fully provided I lose the right to withdraw from the contract, and that if I withdraw after the service has begun I will pay the price for the performance actually provided.”

Payment of the invoice alone is not regarded as an express request to begin the service before the withdrawal period expires.

We normally deliver the output within 7 working days from the point at which the invoice is paid, we have all the necessary criteria, and we are able to begin providing the service. If you do not request an earlier start, the delivery period begins once the 14-day withdrawal period has elapsed. A different date may be agreed in the e-mail confirmation.

The service is delivered by sending the output to your e-mail or by making the agreed electronic link available. The short follow-up call is arranged according to the availability of both parties. If delivery is delayed because criteria are missing or have changed on the customer’s side, the period is extended accordingly.

9. The consumer’s right to withdraw from the contract

If you are a consumer, you may withdraw from a contract concluded at a distance without giving a reason within 14 days from the day it was concluded. The period is observed if you send the notice of withdrawal no later than the last day of the period to info@investbysea.com, or by post to the address of the company’s registered office.

You may use the model form set out below, or send any other unequivocal statement making clear that you are withdrawing from the contract.

If you expressly requested that the service begin before the 14 days had elapsed and you then withdraw before it has been fully provided, you will pay the proportionate part of the price corresponding to the performance actually provided up to the point at which the withdrawal is delivered. If the service was fully provided within that period at your express request and with your statement acknowledging the loss of the right of withdrawal, the right of withdrawal ceases to exist.

Payments that we are to return to you after a valid withdrawal will be returned without undue delay, and no later than 14 days from delivery of the withdrawal, using the same means you used for payment, unless we agree otherwise and provided you incur no further charges as a result.

Model withdrawal form

Addressee: Assetvia s. r. o., Sibírska 1608/4, 831 02 Bratislava – Nové Mesto, Slovakia, e-mail: info@investbysea.com

I hereby give notice that I withdraw from the contract for the provision of the Individual property selection service at a price of €299.

Date of conclusion of the contract / of payment: ____________________
Consumer’s name and surname: ____________________
Consumer’s address: ____________________
E-mail used for the order: ____________________
Date: ____________________
Consumer’s signature: ____________________ (only if the form is sent on paper)

10. Complaints

If the service has not been provided within the agreed scope or has another defect, write to info@investbysea.com giving your name, the e-mail used for the order, the invoice number and a description of the problem. We will confirm receipt of the complaint and deal with it without undue delay, within a reasonable period appropriate to the nature of the service and to the applicable law.

Depending on the nature of the defect, you may request that it be remedied, a reasonable discount, or another remedy available to you by law. This provision does not limit the statutory rights of a consumer.

11. CMM as partner, introductions and commission

If you express interest in a particular property in Montenegro, we may connect you with CMM and register you as an interested party for that listing. CMM or another relevant partner independently handles further communication, viewings, reservation, contractual documentation or coordination of the purchase, according to its own terms and its position in relation to the particular property.

Assetvia may receive a commission from CMM or another partner for a successful introduction. That commission is paid by the partner or the seller and, by agreement with CMM, is included in the price of the property; we do not charge the buyer any additional fee for the introduction over and above the purchase price. The price of €299 is a separate price for the optional Individual property selection service, is not a commission on a purchase, and is not a condition of purchase.

12. Referral reward

If you recommend InvestBySea to another person and they then buy a property through us, you may receive a reward of €100. The referral reward has no effect on the purchase price of a property or on the price of any of our services.

An entitlement to the reward arises where all of the following conditions are met:

• the person you recommended contacted us for the first time and gave your name as the source of the recommendation at that first contact;
• the person you recommended was not our client or a registered interested party for a property at the time of the recommendation;
• the purchase took place through InvestBySea or through a partner to whom we introduced that person;
• the purchase was completed, meaning that the purchase price was paid and ownership passed to the buyer;
• the introduction commission has been paid to us.

We will claim the commission from the partner. If we waive it or do not claim it, we treat the condition of its payment as met.

We cannot guarantee that the commission will be paid. If the introduction commission is not paid to us, no entitlement to a reward arises.

If the commission is not paid to us within 12 months of completion of the purchase, the entitlement to a reward lapses. Where we have your contact details, we will let you know that no entitlement arose or that it has lapsed.

The reward may be received by a natural person who is neither a contractual partner of InvestBySea nor another person involved in the transaction concerned. No reward may be obtained for recommending yourself, a person acquiring the property jointly with you, or a person living in the same household as you.

The reward is €100 for each completed purchase that meets the conditions set out above.

We pay the reward by bank transfer within 30 days of the day on which the last of those conditions is met, to the account you give us. To make the payment we need your name and surname and your account number; and, where a legal regulation requires it, any further details needed for us to meet our statutory obligations.

The reward is income of the recipient. The recipient is responsible for declaring and taxing it, unless a legal regulation provides otherwise.

What is decisive is the name the person you recommended gave at first contact. If they gave none, no entitlement to a reward arises. If more than one person claims the entitlement, we pay the reward to the person identified by the one who was recommended.

We may change or end the referral reward offer at any time. A recommendation where first contact by the recommended person has already taken place is governed by the version in force at the time of that contact.

13. Third-party contracts and services

A reservation contract, a purchase contract, a loan, insurance, property management, legal checks and other third-party services are separate legal relationships between the customer and the third party concerned. InvestBySea is not liable for the performance of those third parties, for their decisions or for changes to their terms; this is without prejudice to Assetvia’s liability for its own conduct and its own contractual obligations.

14. Liability

We are liable for the proper provision of our own services within the agreed scope. We do not guarantee the availability of a particular property, the approval of financing, the conclusion of a reservation or purchase contract, the level of any future return, growth in the value of a property, or the outcome of legal, technical or tax checks.

The user is responsible for the accuracy of the data provided to us and for their final decision. Nothing in these terms excludes or limits liability which cannot be excluded or limited under mandatory law, in particular liability for intentional conduct, gross negligence or interference with the statutory rights of a consumer.

15. Intellectual property and use of the website

The texts, graphics, the InvestBySea brand, the database arrangement and the website’s own content are protected by the relevant rights of Assetvia or by third-party licences. You may use the content for your personal needs when looking for a property. Without prior consent it is not permitted to copy the database systematically, to obtain content by automated means, to publish it as your own, or to use the website in a way that disrupts its security or operation.

16. Personal data

Information about the processing of personal data, about the passing of data to CMM and about transfers to Montenegro is set out on the Privacy policy page. Information about cookies is set out on the Cookies page.

17. Alternative resolution of consumer disputes

If you are a consumer and you are not satisfied with the way we have dealt with your complaint, or you believe that we have infringed your rights, please first ask us to put things right at info@investbysea.com. If we reject your request or do not reply to it within 30 days, you may file a motion to commence alternative dispute resolution.

The alternative dispute resolution body is the Slovak Trade Inspection, Central Inspectorate, Department for International Relations and Alternative Resolution of Consumer Disputes, Bajkalská 21/A, p. o. box 29, 827 99 Bratislava 27, e-mail: ars@soi.sk or adr@soi.sk, website: www.soi.sk. A consumer may also turn to another authorised body entered in the list of alternative dispute resolution bodies.

18. Governing law and jurisdiction

These terms and contractual relationships with Assetvia are governed by the law of the Slovak Republic. In relation to a consumer, this choice of law applies only to the extent that it does not deprive the consumer of the protection afforded by mandatory provisions of the law that would apply in the absence of that choice.

Disputes will be resolved primarily by agreement. If no agreement is reached, jurisdiction and the competent court are determined in accordance with generally binding legal regulations. A consumer may also exercise their rights before the court having jurisdiction at their place of residence, where mandatory rules give them that option, and the provider may sue a consumer only before the court having jurisdiction at the consumer’s place of residence, unless a special regulation provides otherwise.

19. Final provisions

If any provision is invalid or unenforceable, this does not affect the remaining provisions; the relevant statutory rules apply in its place. We may amend these terms as appropriate. A contract already concluded is governed by the version in force on the day it was concluded, unless we agree otherwise with the customer and the change is not more favourable to them.