Terms of Use
A. Acceptance of These Terms
By accessing or using this website (xecika-gudixu.info), you agree to be bound by these Terms of Use. If you do not agree with any part of these terms, you should not use this website.
These Terms of Use are governed by Polish law, in particular the Act on Providing Services by Electronic Means of 18 July 2002 (Ustawa z dnia 18 lipca 2002 r. o świadczeniu usług drogą elektroniczną, Dz.U. 2002 Nr 144, poz. 1204) and applicable provisions of the Polish Civil Code.
These terms apply to all visitors, users, and anyone else who accesses or uses the service.
B. Nature of the Content
This website provides educational content about personal money management fundamentals. All content is informational and educational in nature. It is designed to help individuals understand basic concepts related to budgeting, spending, and saving.
The program is structured as three short educational modules. The content is written for general educational purposes and is not tailored to the specific financial situation of any individual user.
Xecika Gudixu is an educational content provider. It is not a financial institution, investment firm, credit institution, or financial advisor as defined under Polish or EU law. The content on this website does not constitute regulated financial services.
C. Permitted Use
You may access and read the content on this website for personal, non-commercial educational purposes. You may print or save pages for your own personal use.
You may not reproduce, distribute, republish, sell, or commercially exploit any content from this website without prior written permission from Xecika Gudixu. You may not use any automated tools, scrapers, or bots to access or copy content from this website.
You may not use this website in any way that is unlawful, harmful, or that could damage the reputation of Xecika Gudixu. You may not attempt to gain unauthorised access to any part of the website or its underlying systems.
You are responsible for ensuring that any use you make of the content complies with all applicable laws in your jurisdiction.
D. Intellectual Property
All content on this website, including but not limited to text, images, graphics, layout, code, and design, is the intellectual property of Xecika Gudixu or its content suppliers and is protected by applicable intellectual property laws, including the Polish Act on Copyright and Related Rights of 4 February 1994 (Ustawa z dnia 4 lutego 1994 r. o prawie autorskim i prawach pokrewnych).
Nothing in these terms grants you any right, title, or interest in any intellectual property belonging to Xecika Gudixu. All rights not expressly granted are reserved.
E. No Financial Advice
The content on this website is for educational purposes only. Nothing on this website constitutes financial advice, investment advice, tax advice, or any other form of regulated advice or recommendation under Polish or EU law, including Directive 2014/65/EU (MiFID II) or any implementing legislation.
You should not rely on the content of this website as the basis for any financial decision. If you need advice specific to your personal financial situation, you should consult a qualified and regulated financial professional.
Xecika Gudixu accepts no liability for any financial decisions made based on the educational content provided on this website.
F. Accuracy of Information
We make reasonable efforts to ensure that the educational content on this website is accurate and up to date at the time of publication. However, we do not warrant that all content is complete, accurate, or current at any given time.
Personal finance concepts and practices can change over time. We recommend that you verify any specific information through appropriate additional sources before making use of it.
We reserve the right to change, update, or remove any content at any time without notice.
G. External Links
This website may contain links to third-party websites for reference or informational purposes. These links are provided for your convenience only. Xecika Gudixu does not endorse, control, or take responsibility for the content of any linked third-party website.
Clicking on external links takes you away from this website. We encourage you to review the terms and privacy policies of any third-party websites you visit.
H. Limitation of Liability
To the fullest extent permitted by applicable Polish and EU law, Xecika Gudixu shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of or inability to use this website or its content.
This limitation applies regardless of whether the liability is based in contract, tort, negligence, strict liability, or any other legal theory, and even if Xecika Gudixu has been advised of the possibility of such damages.
Nothing in these terms limits or excludes liability that cannot be excluded under applicable Polish consumer protection law or EU law.
I. Governing Law and Jurisdiction
These Terms of Use are governed by the law of the Republic of Poland. Any disputes arising out of or in connection with these terms shall be subject to the exclusive jurisdiction of the courts of Poland, unless EU consumer protection law requires otherwise.
If any provision of these terms is found to be invalid or unenforceable under applicable law, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.
J. Changes to These Terms
We may revise these Terms of Use at any time. Changes will be indicated by an updated "Last updated" date. Your continued use of the website after any changes constitutes acceptance of the revised terms.
We recommend that you review this page periodically to stay informed of any updates.
K. Contact Information
If you have questions or concerns regarding these Terms of Use, please contact us:
- Email: [email protected]
- Phone: +48 55 233 6779
- Post: Stefana Żeromskiego 24, 82-300 Elbląg, Poland