Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your use of the Aptivy website at aptivypl.com and any educational consulting services provided by Aptivy ("we," "us," or "our"), headquartered at Teofila Firlika 41, 71-637 Szczecin, Poland. By accessing our website or using our services, you agree to these Terms.

2. Nature of Services

Aptivy provides educational consulting services focused on household cost awareness and management. Our services are educational and informational in nature. Specifically:

• We provide structured educational frameworks and tools for analyzing household spending.
• We conduct educational consultation sessions to help individuals and families understand their expenses.
• We provide educational materials, worksheets, and guides.
• We do not provide regulated financial advice, investment recommendations, tax advice, or legal advice.
• Our services are not a substitute for advice from a licensed financial advisor, tax professional, or legal counsel.

3. Use of the Website

You may use our website for lawful purposes only. You agree not to:

• Use the website in any way that violates applicable local, national, or international law or regulation.
• Transmit any unsolicited or unauthorized advertising or promotional material.
• Attempt to gain unauthorized access to any part of the website or its related systems.
• Use the website to transmit harmful, offensive, or disruptive content.
• Copy, reproduce, or distribute website content without our prior written consent.

4. Intellectual Property

All content on the Aptivy website, including text, educational materials, frameworks, graphics, logos, and design, is the property of Aptivy or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from our content without explicit written permission.

Educational materials provided during consultations are for your personal, non-commercial use only.

5. Consultation Services

When you engage Aptivy for consultation services:

• Sessions are scheduled by mutual agreement and confirmed in writing or by email.
• You are responsible for providing accurate information to enable effective educational sessions.
• The educational frameworks and materials provided are for informational purposes only.
• Aptivy does not guarantee specific financial outcomes from using our educational services.
• Cancellation terms will be communicated at the time of booking.

6. Disclaimer of Warranties

The website and its content are provided on an "as is" basis without warranties of any kind, either express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of viruses. The educational information provided on this website is for general informational purposes and does not constitute professional financial advice.

7. Limitation of Liability

To the extent permitted by Polish law and EU consumer protection regulations, Aptivy shall not be liable for any indirect, incidental, or consequential damages arising from your use of the website or our educational services. Nothing in these Terms limits our liability for death or personal injury caused by negligence, fraud, or any liability that cannot be excluded by law.

8. Third-Party Links

Our website may contain links to third-party websites. These links are provided for your convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

9. Privacy

Your use of our website and services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our practices.

10. Governing Law

These Terms are governed by and construed in accordance with the laws of Poland, without regard to conflict of law principles. Any disputes arising under these Terms shall be subject to the exclusive jurisdiction of the courts of Szczecin, Poland, except where mandatory consumer protection law provides otherwise.

11. Consumer Rights

If you are a consumer resident in the European Union, you retain all rights granted to you under applicable EU consumer protection legislation, including the right to withdraw from distance contracts within 14 days where applicable. These Terms do not limit any rights you have under mandatory consumer protection law.

12. Changes to These Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated date. Your continued use of the website after any changes constitutes acceptance of the revised Terms.

13. Contact

If you have questions about these Terms, please contact us at:

• Email: info@aptivypl.com
• Phone: +48 600 888 068
• Post: Teofila Firlika 41, 71-637 Szczecin, Poland