These Terms of Use govern your access to and use of the website located at pafaka-xukiwi.info (the "Website") and any educational services, webinars, or course materials made available through it (collectively, the "Services"). By accessing the Website, you agree to be bound by these Terms. If you do not agree, please do not use the Website.
Pafaka Xukiwi provides an educational program focused on the formation of financial habits in childhood and their influence on adult financial behavior. The program consists of structured self-awareness exercises and practical daily practices. It is an educational and informational service. It is not a financial advisory service, investment service, psychological therapy, counselling, or clinical intervention of any kind.
Nothing on this Website or in our program materials constitutes financial advice, investment advice, therapeutic advice, or a recommendation to take any particular financial action. All content is informational and educational in nature. You remain solely responsible for any financial decisions you make.
Use of this Website is intended for adults aged 18 and over. By using the Website, you represent that you meet this requirement. We reserve the right to modify, suspend, or discontinue any part of the Website or Services at any time without notice. We are not liable to you or any third party for any such modification, suspension, or discontinuation.
Access to certain parts of the Website or Services may require registration or payment. Details of any fees are provided at the point of registration. We reserve the right to update our fees and will communicate such changes in advance.
All content on this Website, including text, graphics, logos, course materials, audio, and video content, is the property of Pafaka Xukiwi or its content suppliers and is protected by applicable intellectual property laws, including the Polish Act on Copyright and Related Rights (Ustawa o prawie autorskim i prawach pokrewnych of 4 February 1994, as amended). You may access and use the content for personal, non-commercial purposes only. You may not reproduce, distribute, modify, create derivative works of, publicly display, or commercially exploit any content without our prior written permission.
When using the Website or participating in sessions, you agree not to: use the Website for any unlawful purpose; attempt to gain unauthorised access to any part of the Website or its infrastructure; introduce malicious code or interfere with the Website's operation; record, reproduce, or distribute session content without permission; misrepresent your identity or affiliation; or engage in conduct that is disruptive to other participants in group sessions.
We reserve the right to remove any person from a session or restrict access to the Website where these conditions are not observed.
The Website and Services are provided on an "as is" and "as available" basis. To the extent permitted by applicable Polish law and EU consumer protection regulations, we exclude all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Website will be uninterrupted, error-free, or free from viruses or other harmful components.
In no event shall Pafaka Xukiwi be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Website or Services. Nothing in these Terms limits our liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded under Polish law or EU law.
If you are a consumer within the meaning of Polish law (ustawa z dnia 23 kwietnia 1964 r. Kodeks cywilny), your statutory consumer rights are not affected by these Terms.
The Website may contain links to third-party websites or reference third-party platforms (such as video conferencing tools used to deliver webinars). These links are provided for convenience only. We do not endorse, control, or take responsibility for the content, privacy practices, or terms of any third-party website or service. Your use of third-party platforms is governed by their own terms and privacy policies.
These Terms are governed by Polish law. Any disputes arising from these Terms or your use of the Website shall be subject to the jurisdiction of the competent Polish courts. If you are a consumer, you also have access to out-of-court dispute resolution mechanisms, including the platform for online dispute resolution provided by the European Commission at ec.europa.eu/consumers/odr and the Inspekcja Handlowa (Trade Inspection) in Poland.
We may revise these Terms of Use at any time. Revised terms will be posted on this page with an updated date. Your continued use of the Website after any revision constitutes acceptance of the updated Terms. We recommend reviewing this page periodically.
Questions about these Terms may be directed to: [email protected] or by post to Ojca Beyzyma 10, Wrocław, Poland.