A. Acceptance of Terms
By accessing or using the website located at kumuwe.info (the "Website"), you confirm that you have read, understood, and agree to be bound by these Terms of Use. If you do not agree to these terms, you should not access or use this Website.
These Terms of Use constitute a legally binding agreement between you and Kumuwe (Juliusza Słowackiego 1, Bydgoszcz, Poland). They apply to all visitors and users of the Website, regardless of how you access it.
These terms are governed by and construed in accordance with the laws of the Republic of Poland, including the Act of 18 July 2002 on Providing Services by Electronic Means (Dz.U. 2002 Nr 144, poz. 1204) and other applicable Polish and European Union legislation.
B. Nature of Content
All content published on this Website is provided for educational and informational purposes only. The material presented here explores the relationship between psychological factors, particularly self-esteem, and financial behavior patterns.
Nothing on this Website constitutes financial advice, investment guidance, psychological counselling, clinical assessment, or any form of professional consultation. The content is intended to support general awareness and self-reflection, not to replace qualified professional services.
You should not rely on the content of this Website as a basis for any financial, medical, psychological, or other professional decision. If you require such guidance, please consult a qualified professional licensed to provide it in your jurisdiction.
The self-assessment materials available on this Website are educational reflection tools only. They do not constitute psychological tests, clinical instruments, or diagnostic tools of any kind.
C. Permitted Use
You may access and use this Website for personal, non-commercial, educational purposes. You may print or download content from this Website for your own personal use, provided you do not remove any copyright or proprietary notices.
You must not use this Website in any way that is unlawful, harmful, fraudulent, or that interferes with the operation of the Website or the rights of others. Specifically, you must not:
Reproduce, distribute, publicly display, or create derivative works from any content on this Website for commercial purposes without our prior written consent. Attempt to gain unauthorised access to any part of the Website or its underlying systems. Use automated tools to scrape, harvest, or extract data from this Website. Upload or transmit any content that contains malicious code, viruses, or other harmful elements.
D. Intellectual Property
All content on this Website, including but not limited to text, images, graphics, logos, icons, and the overall design and layout, is the property of Kumuwe or its licensors and is protected by applicable copyright, trademark, and other intellectual property laws, including the Polish Act of 4 February 1994 on Copyright and Related Rights (Dz.U. 1994 Nr 24, poz. 83).
The Kumuwe name, logo, and associated brand elements are proprietary to Kumuwe. Nothing in these Terms of Use grants you any right to use these elements without prior written permission.
E. Disclaimer of Warranties
This Website and all content on it are provided on an "as is" and "as available" basis, without warranties of any kind, either express or implied. We do not warrant that the Website will be uninterrupted, error-free, or free from viruses or other harmful components.
We make no representations about the accuracy, completeness, reliability, or suitability of any information on this Website for any particular purpose. Educational content reflects information available at the time of writing and may not reflect the most recent developments in relevant fields.
F. Limitation of Liability
To the fullest extent permitted by applicable law, Kumuwe shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use this Website or its content, even if we have been advised of the possibility of such damages.
Our total liability to you for any claim arising from your use of this Website shall not exceed the amount, if any, paid by you to us in connection with the Website in the twelve months preceding the claim. As the Website is provided free of charge, this limit is zero in most cases.
Nothing in these Terms of Use excludes or limits our liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under applicable Polish or European Union law.
G. Third-Party Links
This Website may contain links to external websites operated by third parties. These links are provided for informational convenience only. We do not endorse, control, or take responsibility for the content, privacy practices, or availability of any third-party website.
Your access to and use of any third-party website is at your own risk and subject to that website's own terms and conditions and privacy policy.
H. Modifications to Terms and Website
We reserve the right to modify these Terms of Use at any time. Changes will be effective upon publication of the revised terms on this Website. The date of the most recent revision is indicated at the top of this document. Your continued use of the Website after any modification constitutes your acceptance of the updated terms.
We also reserve the right to modify, suspend, or discontinue any aspect of the Website at any time without notice and without liability to you.
I. Governing Law and Dispute Resolution
These Terms of Use are governed by the laws of the Republic of Poland. Any disputes arising from or in connection with these Terms of Use or your use of this Website shall be subject to the exclusive jurisdiction of the courts of Poland, unless mandatory consumer protection law in your country of residence provides otherwise.
If you are a consumer resident in a European Union member state, you may also have rights under the law of your country of residence that cannot be excluded by this clause. The European Commission provides an online dispute resolution platform accessible at https://ec.europa.eu/consumers/odr/.
J. Contact Information
If you have any questions about these Terms of Use, please contact us:
Kumuwe
Juliusza Słowackiego 1
Bydgoszcz, Poland
Email: [email protected]
Phone: +48 505 507 051