These Terms of Service govern your use of the website located at kiweto.info and any educational materials, course content, or services made available through it. By accessing or using this website, you accept these terms in full. If you do not agree with any part of these terms, you should not use this website. These terms are governed by the laws of Poland, including the Polish Civil Code (Kodeks cywilny) of 23 April 1964, the Polish Act on the Provision of Electronic Services (Ustawa z dnia 18 lipca 2002 r. o świadczeniu usług drogą elektroniczną), and applicable European Union consumer protection regulations.
A. About Kiweto and the Course
Kiweto is an educational platform offering a short online course focused on personal budgeting habits. The course is intended for informational and educational purposes only. Nothing in the course or on this website constitutes financial advice, investment advice, or any form of regulated financial service. The course teaches general principles of personal financial organization. Individual financial circumstances vary, and Kiweto does not provide personalized recommendations of any kind.
The course materials, including video lessons, worksheets, and supporting documents, are created and owned by Kiweto. They are made available to enrolled users for personal, non-commercial educational use only. Redistribution, reproduction, or sharing of course materials in any form without the express written permission of Kiweto is not permitted.
B. Use of the Website
You may use kiweto.info for lawful purposes and in a manner consistent with these terms. You agree not to use the website in any way that violates applicable local, national, or international law or regulation. You agree not to transmit any unsolicited commercial communications, attempt to gain unauthorized access to any part of the website or its infrastructure, or use automated systems to access the site in a manner that sends more requests than a human could reasonably produce in the same period. Kiweto reserves the right to restrict access to the website for users who violate these terms.
C. Intellectual Property
All content on kiweto.info, including text, images, course materials, the Kiweto name and logo, and the visual design of the website, is the intellectual property of Kiweto and is protected under Polish copyright law (Ustawa z dnia 4 lutego 1994 r. o prawie autorskim i prawach pokrewnych) and applicable European Union intellectual property directives. Accessing the website does not transfer any intellectual property rights to you. You may not copy, modify, distribute, sell, or lease any part of the website content without prior written authorization from Kiweto.
D. Disclaimer of Warranties
The website and course materials are provided on an "as is" and "as available" basis. Kiweto makes no warranties, express or implied, regarding the accuracy, completeness, reliability, or suitability of the information presented. The course is designed to introduce general habits and frameworks for personal financial organization. Results from applying course content will vary depending on individual circumstances, and Kiweto makes no representations about any specific outcome that may or may not result from completing the course.
E. Limitation of Liability
To the extent permitted by applicable Polish and European Union law, Kiweto shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this website or the course materials. This limitation applies regardless of whether such damages were foreseeable or whether Kiweto was advised of their possibility. Nothing in these terms limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded under Polish law or applicable EU consumer protection regulation, including the Polish Act on Consumer Rights (Ustawa z dnia 30 maja 2014 r. o prawach konsumenta).
F. Links to Third-Party Websites
This website may contain links to external websites for reference or informational purposes. Kiweto does not control the content of third-party websites and accepts no responsibility for their content, privacy practices, or availability. The inclusion of a link does not imply endorsement of the linked site by Kiweto. You access third-party websites at your own risk.
G. Modifications to These Terms
Kiweto reserves the right to modify these Terms of Service at any time. The date of the most recent revision appears at the top of this document. Continued use of kiweto.info following the publication of revised terms constitutes acceptance of those changes. It is your responsibility to review these terms periodically. If you have questions about any provision of these terms, please contact us at [email protected] before using the site further.
H. Governing Law and Jurisdiction
These terms are governed by the laws of the Republic of Poland. Any disputes arising from or relating to these terms or your use of kiweto.info shall be subject to the jurisdiction of the competent courts in Gdańsk, Poland, unless applicable EU consumer protection law provides you with the right to bring proceedings before the courts of your country of habitual residence. Consumers based in the European Union may also use the European Commission's Online Dispute Resolution platform, accessible at ec.europa.eu/consumers/odr.