Pecuvo # Terms of use 1. **Knowledge, not advice.** The content is educational. It is not investment, tax or legal advice on an individual case and not a recommendation of any financial product. 2. **Texts are corrected live.** The marker (*) means “awaiting a check against the primary source”, ⚠ means “disputed or unconfirmed”. Before an important decision, check the primary source we link to. 3. **Rules differ between countries.** Where a module describes a law, it gives the EU rule and an example from Bulgaria. Always check the rules in your own country. 4. **External sources.** Links lead to websites of other authors and institutions. Their owners are responsible for them. 5. **Feedback.** Every suggestion and correction is reviewed by the editors. Nothing is published automatically. Entries with advertising, insults, personal data or links to financial products are removed. 6. **Quoting.** You may freely quote short extracts with a link to the page on pecuvo.eu. For larger use, write to [office@kagami.bg](mailto:office@kagami.bg). The logo and the coin with the piggy bank may not be used without permission. 7. **Who is responsible.** The website is run by KAGAMI Ltd (КАГАМИ ЕООД), company no. 103141758. Bulgarian law applies. Last change: 2026-10-22