{"id":113782,"date":"2022-10-10T14:39:29","date_gmt":"2022-10-10T14:39:29","guid":{"rendered":"https:\/\/fidem.si\/general-terms-and-conditions\/"},"modified":"2026-03-24T13:56:02","modified_gmt":"2026-03-24T13:56:02","slug":"general-terms-and-conditions","status":"publish","type":"page","link":"https:\/\/fidem.si\/en\/general-terms-and-conditions\/","title":{"rendered":"General Terms and Conditions"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row row_height_percent=&#8221;0&#8243; back_image=&#8221;111822&#8243; back_repeat=&#8221;no-repeat&#8221; back_attachment=&#8221;scroll&#8221; back_position=&#8221;right top&#8221; overlay_alpha=&#8221;0&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; enable_bottom_divider=&#8221;default&#8221; shape_bottom_h_use_pixel=&#8221;&#8221; shape_bottom_height=&#8221;65&#8243; shape_bottom_opacity=&#8221;100&#8243; shape_bottom_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;210415&#8243; css=&#8221;.vc_custom_1671396373145{padding-top: 100px !important;padding-bottom: 60px !important;}&#8221; shape_bottom_color_type=&#8221;uncode-solid&#8221; shape_bottom_color_solid=&#8221;#ffffff&#8221; back_size=&#8221;800px&#8221; el_class=&#8221;slider-naslovna gradient-new-stil&#8221;][vc_column column_width_use_pixel=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;430422&#8243; column_width_pixel=&#8221;1240&#8243;][vc_row_inner row_inner_height_percent=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;754401&#8243; css=&#8221;.vc_custom_1663955212213{padding-bottom: 50px !important;}&#8221;][vc_column_inner column_width_percent=&#8221;100&#8243; position_horizontal=&#8221;left&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;206332&#8243;][vc_custom_heading heading_semantic=&#8221;h1&#8243; text_size=&#8221;fontsize-690098&#8243; text_weight=&#8221;700&#8243; sub_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;183069&#8243; text_color_type=&#8221;uncode-solid&#8221; text_color_solid=&#8221;#ffffff&#8221; el_class=&#8221;headerNaslov&#8221;]General Terms and Conditions[\/vc_custom_heading][vc_column_text text_lead=&#8221;yes&#8221; text_color=&#8221;color-xsdn&#8221; uncode_shortcode_id=&#8221;295891&#8243; text_color_type=&#8221;uncode-palette&#8221; el_class=&#8221;header-klasik-opis&#8221;]We operate in a professional, lawful,<br \/>\nrespectful and transparent manner.[\/vc_column_text][vc_button wide=&#8221;yes&#8221; text_skin=&#8221;yes&#8221; custom_typo=&#8221;yes&#8221; font_family=&#8221;font-377884&#8243; font_weight=&#8221;100&#8243; text_transform=&#8221;uppercase&#8221; border_width=&#8221;0&#8243; uncode_shortcode_id=&#8221;133182&#8243; el_class=&#8221;header-cta-gumb&#8221; button_color_type=&#8221;uncode-solid&#8221; link=&#8221;url:%23forma|&#8221; width=&#8221;410&#8243; button_color_solid=&#8221;rgba(0,0,0,0.01)&#8221;]Get a free opinion.[\/vc_button][vc_column_text uncode_shortcode_id=&#8221;168231&#8243;]<\/p>\n<div class=\"scroll-down-puscica-staticna\"><a href=\"#pogoji\"><img decoding=\"async\" class=\"scrolldown-pusica\" src=\"\/wp-content\/uploads\/2023\/03\/FIDEM_Upravljanje_terjatev_ikona_.scrolldownsvg.svg\" alt=\"Ikona scroll down\" \/><\/a><\/div>\n<div class=\"scroll-down-puscica\"><a href=\"#pogoji\"><img decoding=\"async\" class=\"scrolldown-pusica\" src=\"\/wp-content\/uploads\/2023\/03\/FIDEM_Upravljanje_terjatev_ikona_.scrolldownsvg.svg\" alt=\"Ikona scroll down\" \/><\/a><\/div>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;136798&#8243; el_id=&#8221;pogoji&#8221;][vc_column column_width_use_pixel=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;728079&#8243; column_width_pixel=&#8221;1200&#8243;][vc_column_text text_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;616590&#8243;]<\/p>\n<p style=\"text-align: center;\">Our existence and operations are based on the work of <strong>competent, professional and responsible experts, and an innovative, comprehensive approach\/model of claims management,<\/strong> whereby we strive to meet the criteria of responsibility, professionalism and expertise in our work, while ensuring the lowest possible level of risk for our partners\/clients.<\/p>\n<p style=\"text-align: center;\">Our primary challenge is to resolve each claim through extrajudicial recovery as quickly as possible, without additional costs for the client. If this is not possible, we offer our clients a whole range of alternative solutions, and we take care of everything. To the mutual satisfaction of both parties.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_image=&#8221;112470&#8243; back_repeat=&#8221;no-repeat&#8221; back_position=&#8221;left center&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;494715&#8243; css=&#8221;.vc_custom_1671555209733{padding-bottom: 25px !important;}&#8221; el_id=&#8221;tarifa&#8221; back_size=&#8221;175px&#8221;][vc_column width=&#8221;1\/1&#8243;][vc_row_inner][vc_column_inner column_width_use_pixel=&#8221;yes&#8221; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;478156&#8243; column_width_pixel=&#8221;750&#8243;][vc_custom_heading text_color=&#8221;color-482803&#8243; text_size=&#8221;fontsize-170679&#8243; text_weight=&#8221;700&#8243; sub_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;183156&#8243; text_color_type=&#8221;uncode-palette&#8221;]Standard service rates<br \/>\nin claims management procedures[\/vc_custom_heading][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner column_width_use_pixel=&#8221;yes&#8221; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;177883&#8243; column_width_pixel=&#8221;300&#8243;][vc_single_image media=&#8221;113719&#8243; media_width_use_pixel=&#8221;yes&#8221; alignment=&#8221;center&#8221; uncode_shortcode_id=&#8221;196452&#8243; media_width_pixel=&#8221;150&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_inner_height_percent=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;531915&#8243;][vc_column_inner column_width_use_pixel=&#8221;yes&#8221; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;969398&#8243; column_width_pixel=&#8221;750&#8243;][vc_custom_heading text_color=&#8221;color-xsdn&#8221; heading_semantic=&#8221;p&#8221; text_size=&#8221;fontsize-859437&#8243; text_weight=&#8221;400&#8243; uncode_shortcode_id=&#8221;152889&#8243; text_color_type=&#8221;uncode-palette&#8221; el_class=&#8221;pdf-sekcija-tekst-prenos-pogoji&#8221;]<a href=\"https:\/\/fidem.si\/wp-content\/uploads\/2026\/03\/FIDEM-Accounts-Receivable-Management-Pricing-2026.pdf\" target=\"_blank\" rel=\"noopener\">Open rate<\/a>[\/vc_custom_heading][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; back_image=&#8221;112471&#8243; back_repeat=&#8221;no-repeat&#8221; back_attachment=&#8221;scroll&#8221; back_position=&#8221;right center&#8221; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;185725&#8243; css=&#8221;.vc_custom_1671555246832{padding-top: 25px !important;padding-bottom: 50px !important;}&#8221; el_id=&#8221;gdpr&#8221; back_size=&#8221;175px&#8221;][vc_column column_width_use_pixel=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;111376&#8243; column_width_pixel=&#8221;800&#8243;][vc_row_inner][vc_column_inner column_width_percent=&#8221;100&#8243; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;721791&#8243;][vc_custom_heading text_color=&#8221;color-210407&#8243; text_size=&#8221;fontsize-170679&#8243; text_weight=&#8221;700&#8243; sub_lead=&#8221;yes&#8221; uncode_shortcode_id=&#8221;122623&#8243; text_color_type=&#8221;uncode-palette&#8221; subheading=&#8221;or why you can trust us to handle your data carefully, securely and legally.&#8221;]Personal data processing policy[\/vc_custom_heading][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner column_width_use_pixel=&#8221;yes&#8221; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;177883&#8243; column_width_pixel=&#8221;300&#8243;][vc_single_image media=&#8221;113781&#8243; media_width_use_pixel=&#8221;yes&#8221; alignment=&#8221;center&#8221; uncode_shortcode_id=&#8221;844374&#8243; media_width_pixel=&#8221;150&#8243;][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_inner_height_percent=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;531915&#8243;][vc_column_inner column_width_use_pixel=&#8221;yes&#8221; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;969398&#8243; column_width_pixel=&#8221;750&#8243;][vc_custom_heading text_color=&#8221;color-xsdn&#8221; heading_semantic=&#8221;p&#8221; text_size=&#8221;fontsize-859437&#8243; text_weight=&#8221;400&#8243; uncode_shortcode_id=&#8221;207240&#8243; text_color_type=&#8221;uncode-palette&#8221; el_class=&#8221;pdf-sekcija-tekst-prenos-pogoji-modra&#8221;]<a href=\"https:\/\/fidem.si\/wp-content\/uploads\/2026\/03\/FIDEM-Accounts-Receivable-Management-Privacy-Policy-2026.pdf\" target=\"_blank\" rel=\"noopener\">Open policy<\/a>[\/vc_custom_heading][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row row_height_percent=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; column_width_percent=&#8221;100&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; enable_top_divider=&#8221;default&#8221; shape_top_h_use_pixel=&#8221;&#8221; shape_top_height=&#8221;50&#8243; shape_top_color=&#8221;color-xsdn&#8221; shape_top_opacity=&#8221;100&#8243; shape_top_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;207905&#8243; back_color_type=&#8221;uncode-solid&#8221; css=&#8221;.vc_custom_1677835927197{padding-top: 100px !important;padding-bottom: 50px !important;}&#8221; el_id=&#8221;forma&#8221; back_color_solid=&#8221;#22313f&#8221; shape_top_color_type=&#8221;uncode-palette&#8221;][vc_column column_width_use_pixel=&#8221;yes&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;122426&#8243; column_width_pixel=&#8221;800px&#8221;][vc_row_inner row_inner_height_percent=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; shift_y=&#8221;0&#8243; z_index=&#8221;0&#8243; uncode_shortcode_id=&#8221;856965&#8243;][vc_column_inner column_width_use_pixel=&#8221;yes&#8221; align_horizontal=&#8221;align_center&#8221; gutter_size=&#8221;3&#8243; overlay_alpha=&#8221;50&#8243; radius=&#8221;xl&#8221; shift_x=&#8221;0&#8243; shift_y=&#8221;0&#8243; shift_y_down=&#8221;0&#8243; z_index=&#8221;0&#8243; medium_width=&#8221;0&#8243; mobile_width=&#8221;0&#8243; width=&#8221;1\/1&#8243; uncode_shortcode_id=&#8221;833032&#8243; back_color_type=&#8221;uncode-solid&#8221; css=&#8221;.vc_custom_1694422535961{padding-top: 20px !important;padding-right: 20px !important;padding-bottom: 20px !important;padding-left: 20px !important;}&#8221; column_width_pixel=&#8221;600px&#8221; el_class=&#8221;ninja-forms-forma-fidem&#8221; back_color_solid=&#8221;#22313e&#8221;][vc_single_image media=&#8221;114222&#8243; media_width_use_pixel=&#8221;yes&#8221; uncode_shortcode_id=&#8221;507410&#8243; media_width_pixel=&#8221;280&#8243;][vc_column_text uncode_shortcode_id=&#8221;235268&#8243;]<\/p>\n<p class=\"forma-naslov-spodnji\">Our opinion is free of charge, without any obligation or hidden costs for the inquirer.<\/p>\n<p class=\"forma-naslov-spodnji-izpolnite\">Fill in the details.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner row_inner_height_percent=&#8221;0&#8243; overlay_alpha=&#8221;50&#8243; gutter_size=&#8221;3&#8243; 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