The terms governing your use of the Aptivy website and services.
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.
Aptivy provides educational consulting services focused on household cost awareness and management. Our services are educational and informational in nature. Specifically:
You may use our website for lawful purposes only. You agree not to:
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.
When you engage Aptivy for consultation services:
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.
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.
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.
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.
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.
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.
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.
If you have questions about these Terms, please contact us at: