Terms of Use

A. Nature of the Website

welosi-ciwuce.info is an informational and educational website. The content published on this site relates to the psychology of social comparison as it applies to consumer spending behaviour. All content is provided for general educational and informational purposes only. Nothing on this website constitutes financial advice, investment advice, tax advice, legal advice, or any other form of regulated professional advice. Welosi Ciwuce is not a regulated financial institution and does not hold any financial services authorisation.

Users are encouraged to seek independent professional advice appropriate to their individual circumstances before making any financial decisions. Welosi Ciwuce accepts no responsibility for decisions made in reliance on the educational content of this website.

B. Intellectual Property

All content on this website, including but not limited to text, images, course descriptions, structural layouts, and design elements, is the intellectual property of Welosi Ciwuce or its licensors and is protected under Polish copyright law (Ustawa z dnia 4 lutego 1994 r. o prawie autorskim i prawach pokrewnych, Dz.U. 1994 nr 24 poz. 83, as amended) and applicable European Union intellectual property law.

You may view and print content from this website for personal, non-commercial use only. You may not reproduce, distribute, modify, transmit, republish, display, or otherwise exploit any content from this website for commercial purposes without prior written permission from Welosi Ciwuce. Requests for permissions may be directed to [email protected].

C. Acceptable Use

When accessing this website, you agree not to:

• Use the website in any manner that violates applicable Polish or EU law, including but not limited to laws concerning data protection, copyright, defamation, or electronic communications.
• Attempt to gain unauthorised access to any part of the website, its hosting infrastructure, or any related systems.
• Use automated tools, bots, scrapers, or crawlers to extract content from the website in bulk without prior written consent.
• Submit false, misleading, or fraudulent information through any forms on the website.
• Engage in any conduct that could damage, disable, or impair the functionality of the website or interfere with other users' access.

Welosi Ciwuce reserves the right to restrict or terminate access to the website for any user who violates these terms.

D. Limitation of Liability

To the extent permitted by applicable Polish and EU law, Welosi Ciwuce provides this website and its content "as is" without warranties of any kind, express or implied. We do not warrant that the website will be continuously available, error-free, or free from viruses or other harmful components.

Welosi Ciwuce shall not be liable for any direct, indirect, incidental, or consequential loss or damage arising from your use of or inability to use this website, or from reliance on any content published on it. This limitation applies to the fullest extent permitted under the Polish Civil Code (Kodeks cywilny) and applicable consumer protection legislation, including the Polish Consumer Rights Act (Ustawa o prawach konsumenta).

E. External Links

This website may contain links to third-party websites for informational purposes. Welosi Ciwuce does not endorse, control, or take responsibility for the content, privacy practices, or accuracy of any third-party website. Links are provided as a convenience and do not imply any affiliation or partnership. You access external links at your own risk.

F. Privacy and Cookies

Your use of this website is also governed by our Privacy Policy and Cookie Policy, which are incorporated into these Terms of Use by reference. Please review those documents to understand how we handle your personal data and how cookies are used on this website.

G. Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the laws of the Republic of Poland. Any disputes arising from or in connection with your use of this website shall be subject to the jurisdiction of the courts of Kraków, Poland, without prejudice to any mandatory consumer protection rights you may have under applicable EU law, including Regulation (EU) No 524/2013 on online dispute resolution for consumer disputes.

If any provision of these Terms is found to be invalid or unenforceable under applicable law, the remaining provisions shall continue in full force and effect.

H. Changes to These Terms

Welosi Ciwuce reserves the right to modify these Terms of Use at any time. Updated terms will be posted on this page with a revised "Last Updated" date. Continued use of the website after changes are posted constitutes acceptance of the updated terms. We recommend reviewing this page periodically. For material changes, we may take additional steps to notify users.

I. Contact

Questions or comments regarding these Terms of Use may be directed to:

Welosi Ciwuce
Wielicka 42/B3, Kraków, Poland
Email: [email protected]
Phone: +48 570 777 787