Last Updated: 27 June 2026
These Terms of Use govern your access to and use of the website nafega-poleyo.info (the "Website") operated by Nafega Poleyo, Marszałka Józefa Piłsudskiego 46, Wrocław, Poland ("we", "us", "our"). By accessing or using this Website, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree, please discontinue use of the Website. These Terms are governed by the laws of the Republic of Poland, including the Act of 18 July 2002 on the Provision of Electronic Services (Ustawa o świadczeniu usług drogą elektroniczną).
The Website provides access to educational materials relating to personal financial management during life transitions, including but not limited to changing employment, relocating to a new address, and recovering from periods of financial difficulty. All content published on this Website is informational and educational in nature. Nothing on this Website constitutes financial advice, investment advice, tax advice, legal advice, or any other form of regulated advice or service. Users are encouraged to consult appropriately qualified professionals for advice specific to their individual circumstances. Nafega Poleyo is an educational content provider only.
You agree to use this Website only for lawful purposes and in a manner consistent with these Terms. You must not use the Website in any way that could damage, disable, overburden, or impair it, or interfere with any other party's use of it. You must not attempt to gain unauthorised access to any part of the Website, its servers, or any database connected to it. You must not use the Website to transmit any unsolicited commercial communications, to harvest data from the Website by automated means, or to reproduce, duplicate, copy, sell, or otherwise exploit any portion of the Website's content without our express written permission. Any use of the Website that violates applicable Polish or European Union law is strictly prohibited.
All content on this Website, including but not limited to text, images, graphics, logos, course materials, and the overall design and layout of the Website, is owned by or licensed to Nafega Poleyo and is protected under Polish and European Union intellectual property law, including the Polish Act of 4 February 1994 on Copyright and Related Rights (Ustawa o prawie autorskim i prawach pokrewnych). You may access and view Website content for personal, non-commercial use only. You may not reproduce, distribute, modify, create derivative works from, or otherwise exploit any Website content without prior written authorisation from Nafega Poleyo. Requests for permission to reproduce content should be directed to [email protected].
The Website and all content provided through it are offered on an "as is" and "as available" basis. We make no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, reliability, or suitability of the content for any particular purpose. We do not warrant that the Website will be continuously available, free from errors, or free from viruses or other harmful components. To the fullest extent permitted by applicable Polish law, including the Polish Civil Code (Kodeks cywilny), Nafega Poleyo excludes all liability for any direct, indirect, incidental, or consequential loss or damage arising from your use of or inability to use the Website or its content. This limitation does not apply to liability for death or personal injury caused by negligence, or to any other liability that cannot be excluded by law.
The Website may contain links to third-party websites or resources. These links are provided for informational convenience only and do not constitute an endorsement of the content, products, or services available on those sites. We have no control over the content of external websites and accept no responsibility for them or for any loss or damage that may arise from your use of them. You access any linked third-party website entirely at your own risk, and we encourage you to review the terms and privacy policies of any external site you visit.
We reserve the right to modify these Terms of Use at any time. When we make changes, we will update the "Last Updated" date at the top of this document. It is your responsibility to review these Terms periodically. Your continued use of the Website following the posting of revised Terms constitutes your acceptance of those changes. If you disagree with any revised Terms, you should discontinue use of the Website. For questions regarding these Terms, please contact us at [email protected] or by post at Marszałka Józefa Piłsudskiego 46, Wrocław, Poland.
These Terms of Use are governed by and construed in accordance with the laws of the Republic of Poland. Any dispute arising from or in connection with these Terms, or your use of the Website, shall be subject to the exclusive jurisdiction of the competent courts in Wrocław, Poland, except where mandatory consumer protection law in your country of residence provides otherwise. If you are a consumer as defined under Polish law (Kodeks cywilny, Article 22[1]), you retain the right to bring proceedings before the courts of your place of habitual residence, and you may also use alternative dispute resolution mechanisms available under Polish consumer protection law administered by the Office of Competition and Consumer Protection (Urząd Ochrony Konkurencji i Konsumentów, UOKiK).
