Terms of Use

These Terms of Use govern your access to and use of the website likofu-vuraga.info (the "Website") and participation in the webinar series operated by Likofu Vuraga, Pługowa 7, Łódź, Poland ("we", "us"). By accessing the Website or registering for any session, you agree to be bound by these Terms. If you do not agree, please do not use the Website.

These Terms are governed by Polish law, in particular the Act of 18 July 2002 on Providing Services by Electronic Means (Dz.U. 2002 nr 144 poz. 1204, as amended) and the Civil Code of 23 April 1964 (Dz.U. 1964 nr 16 poz. 93, as amended).

A. Definitions

Website

The website accessible at likofu-vuraga.info, including all pages, subpages, and content hosted thereon.

Series

The Likofu Vuraga webinar series on financial procrastination and behavioral decision-making, as described on the Website.

Session

An individual live or recorded webinar event forming part of the Series.

Participant

Any individual who registers for and/or attends a Session.

Content

All text, images, audio, video, presentations, and other materials made available through the Website or Sessions.

User

Any person who accesses or uses the Website, whether or not they register for a Session.

B. Nature of the Service

The Website and the Series are provided for educational and informational purposes only. The Content is designed to describe and analyze behavioral patterns related to financial decision-making. Nothing on the Website or in any Session constitutes financial advice, investment advice, tax advice, legal advice, or any other form of professional advice. No content should be relied upon as a recommendation to take or refrain from taking any specific financial action.

Likofu Vuraga is not a regulated financial institution and does not hold any license or authorization to provide financial services under Polish law or European Union law. Participants are solely responsible for any financial decisions they make.

C. Website Access and Use

Access to the Website is provided free of charge. We reserve the right to modify, suspend, or discontinue any part of the Website at any time without notice. We do not warrant that the Website will be continuously available or free from errors.

Users must not: (i) use the Website for any unlawful purpose; (ii) attempt to gain unauthorized access to any part of the Website or its underlying systems; (iii) transmit any harmful, offensive, or disruptive content through the Website's contact features; (iv) reproduce, distribute, or commercially exploit any Content without our prior written consent.

D. Session Registration and Participation

Registration for Sessions is subject to availability. We reserve the right to cancel or reschedule Sessions and will notify registered Participants where reasonably practicable. Participation in Sessions is for personal, non-commercial educational purposes only. Participants may not record, redistribute, or commercially use Session content without our prior written consent.

E. Intellectual Property

All Content on the Website and in the Sessions is the intellectual property of Likofu Vuraga or is used with appropriate permission. Nothing in these Terms transfers any intellectual property rights to Users or Participants. You may view and download Content for personal, non-commercial use only, provided you retain all copyright and other proprietary notices.

F. Limitation of Liability

To the fullest extent permitted by applicable law, Likofu Vuraga shall not be liable for any direct, indirect, incidental, or consequential loss or damage arising from: (i) use of or inability to use the Website; (ii) reliance on any Content; (iii) participation in or inability to participate in any Session. This limitation does not apply to liability arising from our fraud, willful misconduct, or death or personal injury caused by our negligence.

G. External Links

The Website may contain links to third-party websites. These links are provided for convenience only. We do not endorse, control, or accept responsibility for the content of any linked site. Accessing linked sites is at your own risk.

H. Amendments

We reserve the right to amend these Terms at any time. The revised Terms will be posted on this page with an updated date. Continued use of the Website after any amendment constitutes acceptance of the revised Terms. Where amendments are material, we will take reasonable steps to draw them to your attention.

I. Governing Law and Disputes

These Terms are governed by the laws of Poland. Any dispute arising in connection with these Terms or the Website that cannot be resolved amicably shall be subject to the jurisdiction of the competent Polish courts. Where you are a consumer within the meaning of Polish consumer protection law, your statutory rights are not affected by these Terms. You may also use the EU Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

J. Contact

Questions about these Terms should be directed to Likofu Vuraga, Pługowa 7, Łódź, Poland. Email: [email protected]. Phone: +48 606 663 355.