EFFECTIVE DATE: January 14, 2013
SITE AND/OR SERVICES AVAILABLE THROUGH THE SITE (AS DEFINIED BELOW),
YOU HEREBY AGREE TO BE BOUND CONTRACTUALLY BY AND FIRMLY ADHERE TO
IT MAY BE AMENDED OR SUPPLEMENTED FROM TIME TO TIME. IF YOU DO NOT
– an entity providing access to the Site and Services
available through the Site, that is Red
Sky Sp. z o.o., a company duly incorporated under the laws of
Poland, with its registered office in Szczecin, at Aleja Piastów
22, Szczecin 71-064, Poland, entered into the register of
entrepreneurs of the National Court Register maintained by the
District Court Szczecin-Centrum in Szczecin, XIII Commercial
Department of the National Court Register, with KRS number
0000209107, NIP (tax identification number): 6422683651 and REGON
(national business registry number): 276822679, amount of the share
capital of PLN 1,046,000.00 covered in whole.
Form – an electronic document placed on the Site, dedicated
to contact with the Provider.
Form – an electronic document placed on the Site, dedicated
for registering User’s Account in the Site.
– the payment services available
through the Site in
online low value Payments.
of Use – this document, specifying the terms and conditions
of the use of the Site and Services as well as the rights and
a binding agreement between a User and the Provider, with respect
to the User’s use of the Site and Services.
– an individual who has reached the age of majority in
his/her jurisdiction of residence at the time when accessing/using
the Site or Services and who DOES NOT RESIDE WITHIN JURISDICTION
WHERE SERVICES ARE RESTRICTED OR PROHIBITED BY APPLICABLE LAW.
– Payfor.it website, accessible under the URL:
all associated sites linked to the Site, which are operated by the
– a day on which banks are open for general banking business
in Warsaw, Poland, except for Saturdays, Sundays and national
– a credit card designated by its issuer as a Visa or
MasterCard card (or a card of another payment processor) of which a
User is the cardholder.
– a Payment involving the use of the User’s Card.
– a reversal Payment because the issuer of the Card has, or a
User has, disputed the Card transaction.
– the password which a User initially sets up upon
registering in the Site (and which the User can change) to enable
the User to access Services.
– a number which a User initially sets up upon registering in
the Site (and which the User can change) used by a User to
authorize all Payments higher than USD 2.
– the User’s account established by a User as an
accounting record of his/her use of Services.
– a transfer of funds from a User, to a Seller or from a
Buyer, to a User, using Services which includes stored value
Payments and a Card Payment.
– online gambling content, pornographic content and any other
content notified by the Provider as Prohibited content.
a transaction for the provision of services or goods by a Seller or
– a merchant who, by a separate agreement with the Provider,
agrees to accept online Payments made using Services in connection
with a Sales transaction and whose website makes it known that
Payments can be made using Services.
- a merchant and/or a User who made Payments using Services in
connection with a purchase transaction.
a Payment which is made as the result of a person using User’s
PIN without User’s knowledge or consent.
to Article 8 sec. 1 par. 1 of the Polish Act of 18 July 2002 on
providing services by electronic means (Journal of Laws of 2002 No
144, item 1204 as amended) the Provider hereby establishes the
Site and Services are accessible worldwide to Users with Internet
access, who reside within the jurisdiction which allows the Site and
are responsible for compliance with all applicable laws in
jurisdictions where they reside.
accessing the Site, registering an Account, or using Services, Users
automatically agree to be bound contractually by and firmly adhere
agreement between the Provider and a User, as well as in suspension
or permanently removal of the User’s Account. Upon such
termination, suspension or removal, User’s right to use the
Site or Services will immediately cease.
Site is designed to provide Services only and may not be used for
any unlawful purposes or illegal activities (as indicated below).
User may not use Services offered via the Site while he/she is
located in a country, state or jurisdiction that does not allow
him/her to use such Services. It is User’s responsibility to
ensure that national, state or other applicable laws, court order,
administrative decision or any similar regulation to which he/she is
subject to do not prevent from using Services offered via the Site.
the maximum extent allowed by applicable law, the Provider shall not
bear any liability vis-à-vis Users, if Services are
interrupted due to problems or activities independent of the
Provider as well as due to force majeure.
User will pay, indemnify and hold the Provider harmless from any and
all taxes associated with or arising from User's use of Services,
including any fees and interest and any costs associated with the
collection or withholding thereof.
Provider reserves the right to change the Site functionalities at
any time, in particular by introducing new services, functionalities
and facilities for Users.
for Using the Site and Services and Rules of Liability
requirements concerning the use of the Site and Services are as
browser enabling displaying of hypertext documents (HTML) on a
computer screen which are linked with the Internet through a
website with activated Java Script execution and writing cookies
is User's responsibility to ensure that the equipment owned by
him/her as well as the software used meets the above requirements
and allow him/her to use the Site and Services.
starting the use of the Site and Services, a User is obliged to
familiarize himself/herself with the provisions of these Terms of
Services, both in its current wording and with any later amendments.
User can hold only one Account. The Account cannot be transferred to
third party or used by such a third party.
may not allow anyone else to use his/her login details or give them
to any third party. If so, the User accepts full responsibility for
the consequences of this and agrees to fully indemnify and hold the
Provider harmless from any damage or harm that may occur.
User undertakes to abstain from any actions that could hinder or
destabilize the operation of the Site or use of Services. The
Provider may, without any previous notice, undertake any action
available, inclusive of a demand for compensation, as a response to
any malicious activities or any other breach of the applicable law
the actions referred to in the previous sentence shall be as
at disturbing or cutting off access to Accounts of other Users or
to their computers or Services (DOS, DDOS attacks, DNS spoofing);
that is falsifying information which permits to identify a User or
hiding such information without having first obtaining a written
malicious software into the system or onto the computers of the
Provider, especially inclusive of viruses, Trojan horses or
scanning of the network of other Users in search of security gaps;
monitoring of network traffic or other attempts of intercepting
information reserved for the Provider or to other Users;
attempts at breaking the security of a computer, network or another
that is the use of malicious software, disturbing the operation of
DNS servers or other means aimed at redirecting a User to a website
or to another site impersonating the Site in order to gather
personal data of the User, Password, PIN, data necessary for
logging or other information;
unauthorized access to the Account of another User;
over IP addresses;
or indirect sending, collection, sale or distribution of email
addresses for the purposes
of sending mass unsolicited correspondence (spam).
use the Site or Services to do the following or assist others to do
defame, stalk, abuse or harass other persons or engage in illegal
to the Site from another website or transmit any material that is
inappropriate, profane, vulgar, offensive, false, disparaging,
defamatory, obscene, illegal, sexually explicit, racist, that
promotes violence, racial hatred, or terrorism, or the Provider
deems, in its sole discretion, to be otherwise objectionable;
the Site, display the Site in connection with an unauthorized logo
or mark, or do anything that could falsely suggest a relationship
between the Provider and any third party or potentially deprive the
Provider of revenue (including, without limitation, revenue from
advertising, branding or promotional activities);
any person's or entity's legal rights (including, without
limitation, intellectual property rights or privacy rights),
transmit material that violates or circumvents such rights or
remove or alter intellectual property or other legal notices;
with others using the Site or otherwise disrupt the Site or
collect or access personally identifiable information about other
Users without the consent of those Users and the Provider;
in unauthorized spidering, "scraping" or harvesting
content, contact or other personal information or use any other
unauthorized automated means to compile information;
any access controls, access any portion of the Site or Services
that the Provider has not authorized User to access (including
Password-protected areas), link to Password-protected areas,
attempt to access or use another User’s Account or
information or allow anyone else to use User's Account or access
User is forbidden to use the Site or Services to sell, buy,
purchase, acquire or otherwise transmit, transfer or disseminate the
Prohibited content, i.e. content, files and materials (pages,
graphics, texts, audio and video files, services, etc.):
which the User holds no copyright or other rights relative to their
distribution or publication in the Internet;
illegal contents, especially computer piracy, popularizing
techniques of breaking data security, viruses and publication of
any other materials similar in contents or effect;
pornographic contents, or contents of pornographic nature with the
participation of children, animals or the use of violence,
materials propagating computer piracy and publication of any other
materials similar in contents or effect;
incite ethnic, racial, religious or any other type of hatred and
those propagating fascism, Nazism and other criminal ideologies;
violating commonly accepted social norms and grossly drastic
contents (e.g. presenting scenes of execution, human corpse or
Provider shall have the right to monitor any and all transactions
made by the User by means of the Site or Services and shall also
accept and verify notifications made by third parties, law
enforcement authorities or organizations combating Prohibited
content, with respect to such materials.
the event of suspecting that Prohibited content are purchased,
acquired or otherwise transmitted, transferred or disseminated by
the User by means of the Site or Services, the Provider shall
initiate explanatory proceedings aimed at verifying whether such
event occurred as well as securing data and objects related thereto.
Provider is authorized to immediately, without prior notice,
terminate an agreement, suspend or permanently remove the Account of
Provider shall not bear any liability vis-à-vis Users. The
Provider has the right to determine, in its sole discretion, whether
use of the Site or Services.
User uses a Contact Form, and/or Register Form he/she is obliged to
give real information, true to facts of the case.
Provider undertakes to ensure possibly the highest quality and
stability of the Site and Services, however within
the maximum extent allowed by applicable law,
the Provider shall not be liable for any breaks or disturbance
caused by force majeure or unauthorized activity of third parties.
the maximum extent allowed by applicable law, the
Provider shall not be liable for temporary inability to use the Site
or Services, caused by the implementation of new solutions and
facilities within the framework of the Site. As much as possible,
the Provider will be notifying Users of any scheduled breaks in the
Site operation and Services accessibility or any inconveniences that
may occur in its use. The Provider reserves the right to conduct
maintenance works on the IT system equipment used to provide access
to the Site and Services, which may temporarily cause difficulties
or make it impossible for Users to use selected Services or the
entire Site. In such a case the Provider shall not bear any
liability vis-à-vis Users.
special cases affecting the security or stability of the Site and
Services, the Provider reserves the right to temporarily reduce or
suspend the access to the Site without previously notifying Users
and to conduct maintenance works aimed to reinstate the security and
stability of the Site and Services. In such a case the Provider
shall not bear any liability vis-à-vis Users.
Provider shall not bear any liability for the activities of Users or
any third parties, contrary to the purpose of the Site and Services
the maximum extent allowed by applicable law, the
Provider shall not bear any liability in case of other Users or
third party submitting any claims towards the Provider regarding a
Users or by third party. Only a User or third party being in breach
of the law in force shall be liable in such a case.
the maximum extent allowed by applicable law and irrespectively of
parties submitting claims vis-à-vis Provider, its licensees,
sublicensees and their legal successors that result from a User
infringing law and in particular any author’s economic
copyright or author’s moral copyright, derivative rights,
trademark or trade name or other rights in intangible assets, the
User shall release the Provider, its licensees, sublicensees and
their legal successors from any liabilities resulting from such
claims and shall cover all costs incurred by the Provider, its
licensees, sublicensees and their legal successors, incurred by
these entities in connection with submission of claims, referred to
User shall, at his/her own cost, join any court proceedings,
instituted against the Provider, if the rules of a procedure
applying in given proceedings permit it, opposing claims or
concluding relevant agreements or assuming liability within the
scope in which the claims regard a User infringing business secrets,
copyright, trademarks or other intellectual property rights of a
Provider is not responsible for a failure by a Seller to provide a
User with goods or services for which a Payment is made to the
Seller using Services and, if the goods or services are provided, is
not responsible for their condition, their failure to match their
description as sold or any delay in their delivery. A User must
lodge any complaint he/she has in respect of the goods or services
directly to the Seller.
Provider is not responsible for any limit which a Seller may impose
on the value of a sales transaction the Payment for which can be
made using Services.
of Concluding of the Agreement
agreement for providing access to the Site and Services is concluded
upon registration in the Site and simultaneous familiarization with
the Site and use Services without prior acceptance of these Terms of
may be made directly by accessing the Site, filling a Register Form
and clicking on “Register” or, indirectly from a
Sellers’ website and, having been linked to the Site, filling
a Register Form and clicking on “Register”.
the registration in the Site is made the Provider will send a User
an email. A User needs to check his/her inbox (or SPAM folder) and
click the confirmation link included in the message, or copy and
paste it into a browser address bar. A User can terminate the
agreement for providing access to the Site, effective forthwith, at
any time and without stating any reasons by deleting his/her
Account. To that aim, the User needs to submit a relevant
declaration of intent through
the following Contact
User may stop using the Site at any time.
to Article 10 sec. 3 par. 5 of the Polish Act of 2 March 2000 on the
protection of certain consumer rights and on the liability for
damage caused by a dangerous product (Journal
of Laws of 2000 No 22, item 271 as amended)
the User, who concluded an agreement for providing access to the
Site and Services, has no right to withdraw from this agreement but
has the right to terminate the agreement for providing access to the
Site and Services at any time. Termination of Services means, that
the Provider is obliged to refund a User all money kept by User in
User can have only one Account.
Account is a virtual Account maintained by the Provider, being an
accounting record of the value added to the Account when a User
funds the Account, the value transferred from the Account when a
User authorizes stored value Payments to be made and the balance.
The total of the actual funds, which are reflected in all Users’
Accounts maintained by the Provider, are held in an account with the
BRE Bank S.A. in the name of the Provider.
Account can be credited at any time, through generally accepted
payment systems (e.g. DotPay, PayPal, Payza or Credit Card
may withdraw money from his/her Account at any time. Withdrawals can
only be made by bank transfer. The amounts will be paid by the Owner
on the national bank account that User provided upon registration or
during the transfer request. Payments will be made no earlier than
10 days after the withdrawal request by the User.
withdraw value is USD 25.
withdrawal from the Account will incur a processing fee in the
amount of 4% of the withdraw amount, with the minimum amount of USD
1 If an Account balance is lower than the withdrawal processing fee,
the withdrawal request will not be completed.
there is a Chargeback, a User authorizes the Provider to adjust the
balance of the User’s Account by debiting the value of the
Chargeback against it.
notice detailing the transactions on the User’s Account and
its balance will be available to the User all the time. User must
regularly check this notice and inform the Provider immediately of
any errors and unauthorized transactions.
Password and PIN
User is obliged to keep his/her Password and/or PIN secure, not to
divulge them to any other person (including family or friends) and
to take all steps necessary to prevent any unauthorized use of the
Password and/or PIN.
User is obliged to comply with the following guidelines to guard
against unauthorized use of User’s
Password and/or PIN:
a new Password and/or PIN whenever is asked to do so by the
choosing a new Password (6
characters minimum, at least one small letter, at least one capital
letter and at least one number required
) and/or PIN (4 characters, numbers only), a User cannot choose the
Password and/or PIN which is the same as or similar to the Password
and/or PIN used for other purposes;
and not store or record a Password and/or PIN;
care to ensure when using his/her Password and/or PIN that User is
not observed by any person;
sure he/she has a firewall and current anti-virus technology when
accessing the Site and update them regularly;
to provide his/her Password and/or PIN to anyone claiming to
represent the Provider (the Provider will never ask a User by email
or by phone to disclose the Password and/or PIN);
regularly the activity which has occurred in respect of User’s
Account, by accessing the Site and going to the “Transaction
case a User suspects that someone else may know his/her Password
that a record of it has been lost or stolen or that there is an
Unauthorized Payment recorded in User’s Account notice, the
User should contact the Provider by sending email via the Contact
Form. User’s email will be treated as a priority and the
Provider will respond to this email within 1 Business day.
case a User is prevented from contacting the Provider, because
Services are unavailable, the User will not be liable for any loss
(if any) he/she suffers by reason of an Unauthorized Payment which
could have been prevented had Services been available, provided that
the Provider is notified within a reasonable time of Services
becoming available again.
Payment can only be made to a Seller and/or by a Buyer and only by
accessing respectively the website of the Seller and nominating
Services as the means of Payment for an online purchase from the
Seller or the Site.
the Provider is authorized to make a Payment, the Provider will
debit or credit User’s Account with the amount of the Payment
(stored value Payment).
the amount of a Payment a User seeks to make exceeds USD 20, or such
other threshold as is set and notified by the Provider from time to
time, and if the Provider holds User’s Card details, the User
may, during the online Payment process be provided with the
following option by the Provider: (i) instruct the Provider to debit
User’s Account with the amount of the Payment (stored value
Payment); or (ii) instruct the Provider to arrange for the Payment
to be made by debiting User’s Card account (Card Payment).
Payment will only be made by the Provider if:
Payment is authorized using a PIN when, during the online Payment
process, a request is made to authorize it;
Payment is to be made in American dollars;
the case of a stored value Payment, the amount of the Payment does
not exceed the amount which is the lesser of the balance of User’s
the case of a Card Payment, the amount of the Payment does not
exceed the lesser of the credit limit on User’s Card account;
access to the Site has not been cancelled or suspended.
User agrees not to authorize a Payment in respect of a sales
transaction which involves Prohibited content. If the Provider
determines that the User has authorized any such a Payment, the
Provider will not make the Payment.
Cancelling a Payment
User agrees that the authorization of a Payment using User’s
PIN, whether given by the User or another person, constitutes a
valid and irrevocable authority to the Provider to make the Payment
and the User agrees that the Provider is under no obligation to
investigate the identity, or authority, of the person using User’s
a Payment is authorized using User’s PIN, the Payment cannot
be cancelled regardless of any dispute a User may have with the
Refunding a Payment
If a Seller agrees to provide a User with a refund of an amount paid to
the Seller by operation of the Services, the Seller can authorize the
Provider to process the refund, by crediting the amount to User’s
Account or, if the Payment to the Seller was by Card Payment, by
crediting User’s Card account.
Reversing a Payment
in each of the following circumstances, reverse a Payment made to a
Seller and credit the amount of the Payment to a User by crediting
User’s Account or, if the Payment to the Seller was by Card
Payment, by crediting User’s Card account where:
amount paid did not match the amount the Provider was instructed to
pay (incorrect amount);
amount was in error paid more than once (duplicate processing);
Provider has evidence that the Seller was involved in, or knowingly
permitted, fraudulent activity resulting in the Payment.
the Provider reverses a Payment for an incorrect amount, the
Provider is authorized by a User to process a Payment to the Seller
for the correct amount.
the Provider reverses a Payment in accordance with clause 1 above, a
User agrees that the Provider assumes User’s rights against
the Seller in relation to the Payment which is reversed and may, in
its absolute discretion, pursue those rights directly or on User’s
behalf. The User agrees to cooperate with the Provider, and provide
information if requested by the Provider, in connection with any
action which the Provider may take against the Seller in enforcing
User’s rights against the Seller.
required to pay a fee to the Provider while using Services.
fees are as follows:
- internal transfer between Users – free;
- internal transfers between business Users:
transactions from USD 0,02 to USD 10 – 5% of the amount,
transaction higher than USD 10 – 4% of the amount;
- receiving funds by business Users:
transactions from USD 0,02 to USD 10 – 5% of the amount,
transaction higher than USD 10 – 4% of the amount;
- withdrawal of funds:
of the withdraw amount, no less than USD 1.
there has been no activity on User’s Account for over 120 days
and a User has not asked the Provider for User’s Account to be
closed, it will be deemed to be “inactive” and, in that
event, the Provider may charge a dormant account fee to be debited
from User’s Account. If the Provider decide to charge this
fee, the Provider will give a User at least 30 days’ notice of
a User funds his/her Account by authorizing a Payment from User’
Card account or by arranging through DotPay,
PayPal, Payza, etc. or
pay anyone Payment, User will be subject to the usual fees and
interest, if any, of User’s Card provider or financial
institution (as relevant) in connection with those transactions.
a User authorizes a Card Payment, the User will be subject to the
usual fees and interest, if any, charged by User’s Card
provider in connection with that transaction.
User is not be liable for Unauthorized Payments that occur:
the User establishes his/her PIN;
the Provider receives notification that User’s PIN has become
known to someone else, or that a record of it has been lost or
stolen, or that it has been used without User’s knowledge or
using an old PIN after that PIN has been changed to a new PIN;
reason of the fraudulent or negligent conduct of the employees or
agents of the Provider, the relevant Seller or persons involved in
the electronic network arrangements;
it is obvious that a User has not contributed to the transaction.
User will not be liable for any loss caused by the same Payment
being incorrectly debited more than once to User’s Account.
User will be liable for any loss which results from an unauthorized
Provider proves on the balance of probabilities that the User
contributes to the loss by a fraud, contravention of the security
or User acting with extreme carelessness in failing to protect the
security of his/her PIN;
loss occurs before the User notifies the Provider of the
unauthorized use of his/her PIN, that a record of it has been lost
or stolen, or that the User has become aware it has become known to
Provider proves on the balance of probabilities that the User is
unreasonably delayed notifying us of the unauthorized use of
his/her PIN, that a record of it has been lost or stolen, or that
the User has become aware it has become known to someone else;
loss occurs between when User became aware (or would reasonable has
become aware) of the unauthorized use of his/her PIN, that a record
of it has been lost or stolen, or that it has become known to
someone else and when the Provider was actually notified.
Limitation of Liability
User will not be liable for any loss he/she suffers because the
Provider’s systems or equipment accept a Payment authorization
but fail to complete the Payment. However, if a User is aware that
the Provider’s systems or equipment are unavailable for use or
are malfunctioning, the Provider will not be liable to the User for
any loss he/she may suffer in that event, although the Provider may
correct errors (if any) which occur in the User’s Account
because of malfunction.
Provider will not be liable for any loss a User suffers:
through no fault of the Provider or Provider’s systems, a
User does not have a sufficient balance in the User’s Account
to make a Payment;
access to Services is suspended or terminated in accordance with
User is unable to access Services because they are inaccessible for
reasons related to the systems or equipment which support Services
and whether this is caused by factors outside the Provider’s
control (such as internet connection issues) or maintenance of the
Provider systems and equipment.
Provider may suspend User’s use of the Site and Services (and
access to User’s Account) immediately and without the need for
prior notice (although notice will be given if possible and
Provider is required to do so by law, or any regulator or court
Provider’s reasonable opinion there is, in relation to User’s
Account, a violation or threatened violation of any law, or a
security issue or potential security issue;
Provider ascertains, or suspects on reasonable grounds, that, in
applying for Services, a User provided the Provider with
information that was materially false or misleading;
User breaches, or the Provider suspects on reasonable grounds that
Provider suspects, on reasonable grounds, that a User may be
involved in fraudulent activity; or
Provider is no longer satisfied, on reasonable grounds, as to
the event of a suspension by the Provider, on a ground in respect of
which further investigation can be undertaken by the Provider, a
User agrees to provide any further information the Provider may
require for that investigation. The Provider agrees to conduct any
such investigation promptly and, as a result, will either:
User’s access to his/her Account and restore User’s use
of Services; or
User’s use of Services.
Provider may delay, block or refuse to make any Payment, or cease to
provide Services in whole or in part, if the Provider believes on
reasonable grounds that making the Payment, or providing Services,
may breach any law, including laws relating to anti-money laundering
and counter-terrorism financing.
User must provide the Provider with all information and documents
the Provider may reasonably require to comply with any law in Poland
(including laws relating to anti-money laundering and
counter-terrorism financing) including, where relevant, information
and documents in respect of User’s identity.
has the right to lodge a complaint if the Provider does not fulfil
its obligations specified herein or if the Provider fulfils them in
a manner contrary to the provisions hereof or
the User believes that an entry on User’s Account notice is
wrong or that there has been an Authorized Payment.
complaint can be lodged through the following Contact
or by way of a traditional letter send to the following address: Red
Sky Sp. z o.o., Aleja Piastów 22, Szczecin 71-064, Poland. A
complaint should include in particular the problem constituting the
basis for a complaint, details
of the error or Payment including the date, time, amount and
description of the Payment as it appears in the notice of User’s
Account, an explanation as to why the User believes the Payment was
Unauthorized or is an error
and User identification information (name, email, and in case of a
traditional letter also a correspondence address).
Provider reserves the right to
contact Users if further information is required and a User is
obliged to supply it promptly.
21 calendar days of receiving User’s complaint in
the Provider will:
its internal investigation and advise User of its decision; or
a User that it needs more time to complete the investigation.
a complaint cannot be considered in the specified deadline, the
Provider shall in that time notify by email User submitting a
complaint of the reasons for such a delay and the expected date for
complaint resolution and additionally provide
a User with weekly updates of the progress of the investigation,
except where the Provider is waiting for a response from a User and
the User has been advised that the Provider requires User’s
complaint should be submitted within 30 calendar days as of the
moment when the reasons for the complaint have become apparent.
completion of the investigation, the Provider will advise User of
the outcome and the reasons for its decision with reference to the
that an error was made in User’s Account, the Provider will
make the appropriate adjustment to the value and will advise User of
its amount. If the Provider decides that a User is liable for all or
part of an Unauthorized Payment, the Provider will supply the User
with copies of any document or other evidence on which the Provider
bases its findings. The Provider will also advise User if there were
any systems or equipment malfunction at the time of the Payment.
a User is not satisfied with Provider’s decision with respect
to the lodged complaint, the User may wish to take the matter to an
external independent dispute resolution.
reply to a complaint shall be sent to an email address or a
correspondence address indicated by User submitting a complaint.
shall not consider complaints resulting from ignorance of the law in
announced on the Site.
the conditions of a complaint procedure are breached, a complaint
may not be taken into consideration.
and Services and all rights related to the Site and Services are the
exclusive property of the Provider or third parties. All creative
elements placed on this Site are protected by intellectual property
rights, and in particularly by copyright. All trademarks, logos,
graphics, photographs, animations, videos, texts and other
distinctive signs appearing on the Sites are the intellectual
property of the Provider or third parties. Therefore, they may not
be reproduced, used or represented without the prior written
authorization of the Provider or third parties.
User hereby undertakes to respect intellectual property rights
(including author's economic rights and industrial property rights,
as well as the rights resulting from registration of trademarks) to
which the Provider or third parties are entitled.
the condition that the User complies with all his/her obligations
limited, revocable, non-exclusive, non-assignable,
non-sublicenseable right to access, through a generally available
web browser (but not any scraping, spidering, crawling or other
technology or specialist software used to harvest data) and to use
the Site and Services as the Provider intends the Site and Services
grants to the User no other rights, implied or otherwise. User will
not nor will User allow any third party to: (i) copy, modify, adapt,
translate or otherwise create derivative works of the Site or
Services; (ii) reverse engineer, de-compile, disassemble or
otherwise attempt to discover the source code of the Site or
Services, except to the extent applicable laws specifically prohibit
such restriction; (iii) rent, sublicense, lease, sell, assign or
otherwise transfer rights (or purport to do any of the same) in or
to the Site or Services; and (iv) use, post, transmit or introduce
any device, software or routine which interferes or attempts to
interfere with the operation of the Site or Services. User will use
the Site and Services solely for his/her own internal use. User will
comply with all applicable laws and regulations relating to the use
of and access to the Site and Services. User may not provide access
to the Service to third parties. The license granted above and
User's right of use of the Site and Services will terminate
collection, use and disclosure by the Provider of User’s
available on the Site. A User consents to the use and disclosure of
User’s personal data in the circumstances stated in that
become a User.
case a User is making use of the Site or Services in a manner
have the right to use the User’s personal data within the
scope necessary to establish his/her liability. In such a case the
Provider shall notify the User of his/her committing illegal
activities with a demand of their immediate cessation.
Provider reserves the right to modify, supplement, replace or change
changing the fees payable, introducing new fees, changing Payments
comply with any change or anticipated change in any relevant law or
code of practice;
reflect any decision of a court, ombudsman or regulator;
reflect a change in our systems or procedures, including for
a result of changed circumstances (including by adding benefits or
new features to the Site);
respond proportionately to changes in the cost of providing
make them clearer.
any law regulates a change the Provider decides to make, the
Provider can only make the change to the extent permitted by the
a change is required in the Provider’s view to restore or
maintain the security of Services, the change may be made
immediately and without prior notice to Users.
case of any modifications, supplements, replacements or other
by means of the appropriate announcement posted on this Site's home
page. Modifications, supplements, replacements or other changes take
effect on the date specified by the Provider, which may not be
earlier than 14 calendar days from the date of the said
announcement. The User who does not agree to the modifications,
terminate the agreement with the Provider and shall forthwith inform
the Provider about that by sending the relevant declaration using
the following Contact
Termination shall become effective upon receiving User’s
statement but not earlier than on the date of entry into force of
modifications, supplements, replacements or other changes have been
party to this agreement may assign or transfer any of their rights
or obligations under the agreement without the prior consent of the
other. If undertaken pursuant to a merger, reorganization or
restructuring involving the Provider, or the sale of its business by
the Provider, the Provider may, by notice to a User, transfer or
assign its rights, or novate its rights and obligations, under these
transfer, assignment or novation.
the laws of Poland,
without regard to its conflicts of laws principles.
please email us using the following Contact