Terms and Conditions
1. General information
These Terms and Conditions govern the use of this website operated by Glan Tum AB, located in Stockholm, Sweden. By accessing or using our website, you agree to the terms set forth below. If you do not agree with any part of these terms, please discontinue use of the site.
2. Nature of content
All information published on this website is intended for educational and informational purposes only. The content focuses on general topics such as personal budgeting, daily financial organization, and household spending awareness. It does not constitute financial, investment, or legal advice.
Glan Tum AB is not a financial institution, advisor, or intermediary and does not provide individualized financial guidance or portfolio management.
3. No guarantees or investment solicitation
We do not guarantee financial outcomes, performance, or results based on the information published on this site. Any references to budgeting methods or percentage-based formulas (e.g., 50/30/20) are purely illustrative and for general knowledge purposes.
This website does not promote, advertise, or solicit any form of financial investment, trading activity, or purchase of financial products.
4. User responsibility
Visitors are responsible for how they interpret and apply the information found on this site. We recommend consulting a licensed professional before making any financial or legal decisions.
- Do not rely on the website as a substitute for professional advice.
- Always verify the accuracy of financial data from official sources.
- Use the information here for personal education and self-awareness only.
5. Limitation of liability
Glan Tum AB shall not be held liable for any direct or indirect damages, losses, or consequences arising from the use or reliance upon the materials provided on this website. The company makes every effort to ensure accuracy but does not warrant that all information is complete or error-free.
6. External links
Our website may contain links to third-party websites for reference or convenience. Glan Tum AB has no control over such external sites and cannot be held responsible for their content, privacy practices, or reliability. Visiting these links is done at your own discretion.
7. Intellectual property
All text, visuals, graphics, and branding elements on this website are the intellectual property of Glan Tum AB, unless otherwise stated. Unauthorized copying, reproduction, or redistribution of any materials is prohibited without prior written consent.
8. Data protection
The collection and processing of any personal information follow our Privacy Policy and comply with the General Data Protection Regulation (GDPR). We use only essential and analytics cookies as described in the Cookies Policy.
9. Governing law
These Terms and Conditions are governed by Swedish law. Any disputes arising from the interpretation or use of this website shall fall under the jurisdiction of Swedish courts.
10. Contact
If you have any questions regarding these Terms and Conditions, please contact us using the details below:
Glan Tum AB
Vasagatan 18, 111 20 Stockholm, Sweden
Email: info@glantum-mail.se
Tel: +46 8 123 45 67
11. Updates
We may revise these Terms periodically to reflect legal, operational, or content updates. The most recent version will always be available on this page. Continued use of the website after updates constitutes acceptance of the revised Terms.
Last updated: October 2025