These Terms govern the use of the website expertconsilium.com and the application app.expertconsilium.com. Effective date: 15 October 2026. Version 1.0.
Last updated: 19 October 2026.
These Terms of Use (the Terms) govern the use of the website expertconsilium.com and the application app.expertconsilium.com (the Service). The Service is provided by Goran Granić, Serbia, e-mail support@expertconsilium.com (Expert Consilium, we). The User is a natural person, entrepreneur or legal entity that orders and uses the Service (the User, you).
By ordering the Service you accept these Terms. If the Service is paid for from the account of a legal entity, you confirm that the User has accepted these Terms. The Price List, the Service Cancellation and Refund Terms and the Privacy Policy form part of these Terms. These Terms, the Price List, the Service Cancellation and Refund Terms and the Privacy Policy form one whole and are accepted together, with a single confirmation at registration and at ordering, before payment. Analytics cookies and the newsletter require separate consents and are not a condition for using the Service.
Expert Consilium is an automated report supporting business decision-making. The User describes in writing a specific business decision, question or dilemma (the question). The User creates the question independently, stating their own facts and figures. The question is processed independently by several AI perspectives (4, 8 or 12, depending on the level: Essential, Consilium, Grand Consilium), which anonymously rate each other's answers, and at the end one structured report (decision brief) is produced with options, considerations, risks, open questions and a proposed next step. The process is fully automated. No person reviews or edits the report before delivery. Before delivery the system checks that the promised number of perspectives has been completed. The Service is general business decision support. It is not consulting, legal, tax, accounting, investment, medical, psychological or any other regulated advice provided by authorized professionals in the relevant field, and it does not replace a licensed professional. The decision is always yours. We reserve the right to replace or change the list of AI models and providers used to produce the report, without changing the substance of the Service, the level, or the number of AI perspectives you paid for. Immediately after payment, the question you submitted is automatically passed to the AI models. You can no longer correct or supplement the question, but you can ask a one-time follow-up question about the delivered report (up to 250 characters), which is included in the price. The report is created automatically by AI models. Depending on how precise your question was, you may receive a report that meets your expectations to a greater or lesser extent. The report is not created or edited by any person, only by AI models, so Expert Consilium is not responsible for the accuracy and completeness of the information in the delivered report. Expert Consilium only helps your question to be processed by several AI perspectives that answer independently, anonymously rate each other's answers and finally produce one structured report. Assessing the reliability and accuracy of reports created by AI models is up to you, and responsibility for the business decision you make is yours.
The Service can be used by business users and natural persons. When ordering, you choose whether you are buying for a company or a self-employed activity (the field I am buying for a company). If you do not tick that field, we treat you as a consumer. If you use the Service as a natural person, you must be of legal age and have legal capacity. The Service is intended for adults. By registering you confirm that you are at least 18 years old. Expert Consilium is not obliged to review the personal and identification data you entered in your account, nor to examine any circumstance indicating use of the Service by a minor or a person without legal capacity. If at any stage Expert Consilium learns that the Service is being used by a minor or a person without legal capacity, it will deny further use of the application through the account opened by that person. You may not use the Service if your access was previously terminated or suspended, or if this is prohibited by applicable regulations.
Using the application requires an account with accurate data and a confirmed e-mail address. Access may be protected by a password or a passkey. You are responsible for safeguarding your login credentials and for all actions taken through your account. Notify us without delay at support@expertconsilium.com if you suspect unauthorised access. If you want your Expert Consilium account deleted, the account will be deleted after 30 days from the day you sent the deletion request to support@expertconsilium.com.
Prices, levels, packages and add-ons are shown on the Pricing page and apply at the time of the order. The base price of a level covers one question. One additional scenario (Essential, Consilium and Grand Consilium) is included in the price of the level, with no separate charge. After the report is delivered you can ask one short question about it in the app (up to 250 characters); that is included in the price too. Packages of 5 or 10 analyses are one-off, with no monthly subscription and no automatic renewal. Each analysis uses one credit from the package, and the add-ons listed with the package are included in every analysis. When all credits are used, new analyses cannot be started, and you can still open and download earlier reports for 30 days after the last activity in the conversation. The counter of used analyses is shown in the application. Work begins once payment has been received in the full amount shown in the Price List for the selected Service, level or package. If the amount paid for the ordered Service, level or package is lower than the amount shown in the Price List, the Service will not be provided and the amount paid will be returned to the account from which the payment was made (we initiate the refund within five days at the latest, and the time it takes for the funds to reach your account also depends on your bank and the payment service provider). If the amount paid is higher than the amount shown in the Price List, the excess will be returned to the account from which the payment was made (we initiate the refund within five days at the latest, and the time it takes for the funds to reach your account also depends on your bank and the payment service provider). Prices are in euros. The tax treatment (VAT) is shown before the order.
Work begins once payment is confirmed, and you receive the report once the analysis is done. We do not offer deferred delivery. The report is delivered in the application, with the option to download it in PDF and Word format. If the system does not complete the promised number of perspectives, the report is not delivered as a completed service until the matter is supplemented. The report is available in the application for 30 days after the last activity in the conversation and is also sent to you by e-mail. After that it is no longer available in the application. The one-time follow-up question about the delivered report (up to 250 characters) is included in the price, is asked in the application, and the answer is shown in the window, without a new report and without restarting the whole process. In the event of an interruption or disruption of internet connections or of the AI models, delivery of the report may be delayed, but by no more than 72 hours from the completed order and payment for the Service.
All identification data of a legal entity or entrepreneur and personal data of natural persons that you entered in your account are considered confidential. Expert Consilium has access to the data entered in your account. The server hosting provider stores your account in the account database, Zoho stores the data of the e-mail through which confirmations and pro forma invoices are sent, and Google, Microsoft and GitHub process sign-in data if you choose to sign in through them. The payment service provider processes your data during payment under its own privacy policy, and you enter the payment card number directly with it. Your identification and personal data are processed by the accountant when recording payments in the books. Apart from the listed service providers, your identification and personal data will not be passed on, disclosed or made available to any third party or the public, and Expert Consilium is responsible for keeping this data confidential. An exception exists where Expert Consilium is obliged to provide this data to a competent state authority, in particular the competent public prosecutor's office, under their statutory powers to conduct an inquiry or investigation on suspicion that a criminal or other unlawful or punishable offence has been committed, and under the statutory obligation of Expert Consilium to provide confidential data to the competent state authority in that case. The content of a question is treated as confidential and is used only to prepare your report. It is not shared with other clients. Requests to AI models for preparing the report are sent with a request for Zero Data Retention (that the provider does not keep data after the response is generated) and with data collection prohibited. For strictly confidential communication write to support@expertconsilium.com. If your question contains e-mail addresses, phone numbers, IBANs and account and card numbers, personal identification numbers and tax or company registration numbers, these data are automatically masked before being sent to AI models when the system recognizes them by format or label (for example PIB, MB or VAT) and replaced with neutral labels, for example [EMAIL_1] or [PHONE_2]. The AI models analyze the question without access to the real data, and in the report you see the real data you entered. If your question contains names of people and companies or addresses, these data are not masked automatically, and to hide them you need to put them in double square brackets, e.g. [[Company name]]. The report shows the real values. If you, in the account or in a question, provide without authorization identification or personal data of third parties or other confidential data that you are bound by law or contract to keep confidential, you bear all responsibility for providing such data to the AI models.
You agree not to submit, and not to request processing of, questions or materials that: incite, describe or facilitate violence, threats or attacks against persons or property; constitute hate speech, harassment or discrimination; contain sexual content involving minors; encourage or give instructions for self-harm or suicide; contain instructions for producing or obtaining weapons, explosives or chemical, biological, radiological or nuclear material intended to cause harm to persons or property; facilitate the creation of malicious software, unauthorised access to systems or other misuse; constitute fraud, misrepresentation or identity theft; infringe copyright, trademarks or other intellectual property or the privacy of third parties; contain offensive and vulgar language; or encourage, describe or facilitate the commission of any other unlawful and punishable act. Every question is automatically checked for inappropriate and prohibited content before processing (a local word list on our servers and a content-checking service that receives masked text), and the same is done with the answers of the AI models. Expert Consilium does not manually review the content of your questions. If the automatic check marks a question as inappropriate, the question is rejected before the analysis begins, and you can rephrase it and send it again. A rejected question does not use a paid credit and is not charged. If you do not rephrase the question, the unused credit remains in your account and is valid for the next question, and a refund is made under section 13 of these Terms. We reserve the right to refuse processing of a question that violates this section, with notice of the reason. Expert Consilium is obliged, on the basis of an appropriate court or administrative act, to disclose all data on the basis of which the detection or prosecution of perpetrators of criminal offences, or the protection of the rights of third parties, can be carried out.
The follow-up question to a report and the additional scenario can be used only to the extent they are included in the level or package. Fields outside that scope are locked in the application.
The content of the website and the application, the Expert Consilium brand, the structure of the report and the way of working are ours or used with permission. Any unauthorised copying of the content of the website and the application, the Expert Consilium brand, the structure of the report and the way of working is prohibited and constitutes an infringement of copyright. The report is intended for you and your organisation for internal use. It must not be presented publicly as a professional or legally binding document. You retain the materials you submit. You grant us a limited right to process them solely to provide the Service. You are responsible for the content you enter and confirm that you have the right to submit it, including the consent of any individuals whose data it contains, and that submitting it does not violate the law or the rights of third parties.
If you send us a suggestion or feedback about the Service, we may use it to improve the Service without obligation to you, without publishing your confidential data.
Cancellation of the Service and refunds are governed by the Service Cancellation and Refund Terms, which together with these Terms form one whole and are accepted together with them. If you buy the Service as a consumer, your right of withdrawal from the contract ends at the moment the report is delivered to you, that is, when it has been sent to your account e-mail address and is available in the application. This applies with your prior express consent that performance of the Service starts immediately after payment is confirmed, and your acknowledgement that the right of withdrawal ends when the report is delivered, which you confirm with the checkbox at ordering. If you bought a package that has not been used, you can stop using the Services in accordance with the Service Cancellation and Refund Terms, after which the remaining unused amount will be returned to you (we initiate the refund within five days at the latest, and the time it takes for the funds to reach your account also depends on your bank and the payment service provider).
The report is an automated analysis and may contain errors, incomplete or outdated information or calculation mistakes. We do not guarantee the accuracy, completeness or fitness of the report for a particular purpose, or any particular outcome or result. The quality of the report depends on the quality and completeness of the information you put into the question. We are not liable for the consequences of your decision, which you may base on the delivered report. Before significant decisions, verify key figures and facts and, if needed, consult an expert of your choice. Our total liability to you is limited to delivering a report generated by AI models in accordance with these Terms and refunding the amount paid in accordance with the Service Cancellation and Refund Terms. This limitation does not apply to damage caused by intent or gross negligence, or where liability cannot be excluded or limited under mandatory law. In other cases, liability covers only damage that was foreseeable when the contract was concluded.
Expert Consilium may terminate the contract before delivery of the report if you use the Service contrary to these Terms. The contract is considered terminated at the moment we refund the price paid to the account from which the payment was made. You can cancel the Service in accordance with the Service Cancellation and Refund Terms. The Service can be canceled only for questions that you have not submitted and paid for, because submitted questions are processed automatically immediately after payment. The Service can also be canceled for questions for which reports were not delivered to you within 72 hours of payment of the price.
We may change the Terms by publishing a new version with an effective date. We will notify you of significant changes by e-mail or a notice in the application at least 15 days before they take effect. Changes do not apply to analyzes already ordered and packages already bought. If you do not accept the changes, stop using the Service.
We send notices to the e-mail address linked to your account or order. Send your notices to support@expertconsilium.com.
The substantive law of the Republic of Serbia applies to the contractual relationship under the contract concluded by accepting these Terms. For disputes arising from the interpretation and application of this contract, the jurisdiction of the Commercial Court in Belgrade, Republic of Serbia, is agreed if the User is a legal entity or entrepreneur, and of the First Basic Court in Belgrade, Republic of Serbia, if the User is a natural person.
The Terms are available in Serbian and English.
If any provision of these Terms is void or unenforceable, the other provisions remain in force. You may not transfer your rights under the contract without our consent. Failure to exercise a right does not mean waiver of that right.
Goran Granić, Serbia. E-mail: support@expertconsilium.com. Website: expertconsilium.com.
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