TERMS AND CONDITIONS OF IT INSURANCE SERVICE
§ 1.
General Provisions
1. These regulations (hereinafter: “Regulations”) define the rules and conditions for using the “Ubezpieczenie IT” service operating at the internet address https://ubezpieczenieit.pl (hereinafter: “Service”) and the services provided by the Service Provider.
2. The Regulations constitute the regulations referred to in Art. 8 of the Act of 18 July 2002 on Providing Services by Electronic Means (hereinafter: “Act on Providing Services by Electronic Means”).
3. The owner of the Service is Ubezpieczenie IT spółka z ograniczoną odpowiedzialnością (limited liability company) with its registered office in Gdynia (registered address: ul. Wrocławska 98/1, 81-530 Gdynia), entered into the register of entrepreneurs of the National Court Register kept by the District Court Gdańsk – Północ, VIII Commercial Division of the National Court Register under number: 0000527586, holding NIP: 5862292598, REGON: 2221784010, share capital: 10,000 PLN paid in full (hereinafter: “Service Provider”).
4. Contact with the Service Provider is possible via:
1) electronic mail – at the address: help@ubezpieczenieit.pl;
2) traditional mail – at the address: ul. Wrocławska 98/1, 81-530 Gdynia;
3) telephone – at the number: 575 155 685
5. As part of its business activity, the Service Provider:
1) provides Users with the possibility to conclude an Insurance Contract;
2) delivers the Newsletter to Subscribers.
6. Information available on the Service regarding services provided by the Service Provider, in particular their descriptions, technical and functional parameters, constitutes an invitation to conclude a contract within the meaning of Art. 71 of the Act of 23 April 1964 Civil Code (hereinafter: “Civil Code”).
7. Before using the Service, the Service Recipient is obliged to read the Regulations and the Privacy Policy.
§ 2.
Definitions
Capitalized terms used in the Regulations have the following meanings:
1) Working Day – a day other than Saturday, Sunday, or another public holiday within the meaning of the Act of 18 January 1951 on Non-Working Days;
2) Civil Code – the term defined in § 1 sec. 6 of the Regulations;
3) Consumer – a natural person performing a legal act with the Service Provider not directly related to their business or professional activity;
4) Calculation – a calculation of the insurance premium amount based on data entered by the User and a risk assessment conducted by the Service Provider.
5) License – the term defined in § 7 sec. 1 of the Regulations;
6) Newsletter – digital content within the meaning of the Consumer Rights Act, including commercial information regarding the current activities of the Service Provider, including information about news and promotions available on the Service;
7) Non-conformity – this is understood as the non-conformity of the Digital Performance Subject with the Contract for its supply (criteria for assessing the conformity of the Digital Performance Subject with the Contract for its supply are specified in Art. 43k sec. 1-2 of the Consumer Rights Act);
8) GTCI (OWU) – general terms and conditions of insurance, on the basis of which the Insurance Contract is concluded; GTCI are delivered free of charge via the Service (before concluding the Insurance Contract) and via email, in a form enabling their download, recording, reproduction, and printing;
9) Policy – a document confirming the conclusion of the Insurance Contract;
10) Privacy Policy – a document containing information on the processing of personal data of Service Recipients by the Service Provider;
11) Digital Performance Subject – the Calculation Service or Newsletter;
12) Entrepreneur – a natural person, a legal person, or an organizational unit without legal personality to which special regulations grant legal capacity, conducting business or professional activity in its own name;
13) Entrepreneur with Consumer Rights – a natural person conducting business or professional activity in their own name, who has concluded a Contract with the Service Provider directly related to their business activity, but which does not have a professional character for that person, arising in particular from the subject of their business activity;
14) Regulations – the term defined in § 1 sec. 1 of the Regulations;
15) Insurance Premium – the fee for insurance expressed in Polish Zloty (PLN);
16) Subscriber – a person who has concluded a Contract for the supply of the Newsletter with the Service Provider or has taken actions aimed at concluding it;
17) Insured – the User for whose benefit the Insurance Contract has been concluded.
18) Policyholder – the User who concluded the Insurance Contract and is obliged to pay the insurance premium; the Policyholder should have full capacity to perform legal acts;
19) Insurance Contract – a civil liability insurance contract (professional or general) or cyber risk contract concluded through the Service Provider, the content of which is regulated by the Policy and GTCI;
20) Calculation Service – a digital service within the meaning of the Consumer Rights Act consisting of the preparation of a Calculation by the Service Provider for the purpose of concluding an Insurance Contract;
21) Service Recipient – a User or Subscriber;
22) Service Provider – the term defined in § 1 sec. 3 of the Regulations;
23) Consumer Rights Act – the Act of 30 May 2014 on Consumer Rights;
24) Act on Providing Services by Electronic Means – the term defined in § 1 sec. 2 of the Regulations;
25) Distribution Act – the Act of 15 December 2017 on Insurance Distribution;
26) Complaint Act – the Act of 5 August 2015 on Handling Complaints by Financial Market Entities and on the Financial Ombudsman.
§ 3.
Information regarding the Service Provider required by the Distribution Act
Agency activities are conducted by the Service Provider under the name Ubezpieczenie IT spółka z ograniczoną odpowiedzialnością with its registered office in Gdynia (registered address: ul. Wrocławska 98/1, 81-530 Gdynia), entered into the register of entrepreneurs of the National Court Register kept by the District Court Gdańsk – Północ, VIII Commercial Division of the National Court Register under number: 0000527586, holding NIP: 5862292598, REGON: 2221784010, share capital: 10,000 PLN paid in full.
1. The Service Provider declares that it acts as an intermediary in concluding Insurance Contracts and is entered into the Register of Insurance Intermediaries (hereinafter: “Register”) kept by the supervisory authority – the Polish Financial Supervision Authority (ul. Piękna 20, 00-549 Warsaw), under number: 11223850/A. The Register is available at: https://rpu.knf.gov.pl.
2. The Service Provider performs agency activities for multiple insurance companies (insurers) listed on the Service and in the Register available on the website of the Polish Financial Supervision Authority at: https://rpu.knf.gov.pl/search/agent.
3. Power of attorney documents containing the detailed scope of the Service Provider’s authorization and authorizing it to undertake actions on behalf of insurance companies (insurers) are available at: https://ubezpieczenieit.pl/pelnomocnictwa
4. The Service Provider – by virtue of the powers of attorney referred to in sec. 3 and 4 above, acts on behalf of the following insurance companies (insurers):
1) Chubb European Group SE Spółka Europejska Oddział w Polsce,
2) Generali Życie Towarzystwo Ubezpieczeń S.A.
3) Generali Towarzystwo Ubezpieczeń S.A.
5. The Service Provider performs agency activities through employed staff, based on authorizations required by law, which consist of bringing about the conclusion of an insurance contract by the User with the insurer selected by them, within the scope and on the terms specified in applicable laws. The form to verify the Service Provider’s employees (persons performing agency activities) in the Register is available at https://rpu.knf.gov.pl/search/agentsEmployee.
6. In connection with the offered Insurance Contracts, the Service Provider receives remuneration from insurance companies (insurers) in the form of a commission; based on the concluded agreement, the Service Provider does not hold shares in insurance companies (insurers) entitling it to at least 10% of votes at the general meeting or – respectively – the meeting of shareholders.
7. Insurance companies (insurers) with whom the Service Provider cooperates do not hold shares in the Service Provider’s company entitling them to at least 10% of votes at the shareholders’ meeting.
8. The Service Provider declares that it holds civil liability insurance for damages resulting from the performance of agency activities.
§ 4.
Technical Requirements
1. In order for Service Recipients to properly use the services provided by the Service Provider via the Service, it is necessary to collectively:
1) have a connection to the Internet;
2) possess devices allowing the use of Internet resources;
3) use a web browser enabling the display of hypertext documents on the device screen, linked on the Internet via the WWW service and supporting JavaScript programming language, and furthermore accepting cookie files;
4) possess an active email account.
2. Within the Service, it is prohibited for Service Recipients to use viruses, bots, worms, or other computer codes, files, or programs (in particular scripts and applications automating processes or other codes, files, or tools).
3. The Service Provider informs that it uses cryptographic protection of electronic transfer and digital content by applying appropriate logical, organizational, and technical measures, in particular to prevent third-party access to data, including through SSL encryption, use of access passwords, and antivirus or anti-malware programs.
4. The Service Provider informs that despite the application of security measures referred to in sec. 3 above, the use of the Internet and services provided electronically may be threatened by the intrusion of harmful software into the Service Recipient’s IT system and device or by third parties obtaining access to data located on this device. To minimize the aforementioned threat, the Service Provider recommends using antivirus programs or means protecting identity on the Internet.
§ 5.
General Principles of Service Provision
1. The Service Recipient is obliged to use the services provided by the Service Provider within the Service in a manner consistent with generally applicable laws, the provisions of the Regulations, and good customs.
2. The provision of unlawful content by the Service Recipient is prohibited.
3. The Service Recipient using the services provided by the Service Provider is obliged to provide only data (including personal data) consistent with the actual state. The Service Provider is not liable for the consequences of the Service Recipient providing false or incomplete data.
4. In the event that actions on the Service (in particular concluding an Insurance Contract) are performed by a natural person acting on behalf of a Service Recipient who is not a natural person, the performance of such an action is equivalent to a declaration by the natural person performing such action that they are authorized to represent the Service Recipient. The Service Provider is entitled to demand from such a natural person the submission of proof of their authorization to represent the Service Recipient, in particular a power of attorney document or an excerpt from the relevant register. In the event of performing an action on behalf of the Service Recipient despite the lack of authorization to represent them, the natural person performing this action bears the liability provided for in the provisions of the Civil Code.
5. All declarations, requests, notifications, and information referred to in the Regulations may be transmitted via email, unless a specific provision of the Regulations states otherwise.
6. The costs of connection to the Service are borne by the User, in accordance with the price list of their telecommunications operator.
§ 6.
Conclusion of Insurance Contract and Calculation
1. An Insurance Contract may be concluded by the insurer only with a User who is an Entrepreneur or an Entrepreneur with Consumer Rights, after preparing a Calculation.
2. The rules for concluding and terminating the Insurance Contract, the subject and scope of insurance, the rights and obligations of the parties, the period for which a given Insurance Contract is concluded, including information regarding due benefits, are specified in the GTCI and Policy.
3. Preparation of a Calculation is not equivalent to expressing consent to conclude an Insurance Contract.
4. Before concluding the Insurance Contract, the Service Provider makes available to the User:
1) The Insurance Product Information Document (IPID),
2) The GTCI,
3) The agency power of attorney.
5. In order to conclude an Insurance Contract, the User:
1) should go to the “Buy Policy” tab and fill out the Calculation sheet by providing necessary data, such as:
a) form of business activity;
b) projected revenue from business activity;
c) contact details (email address, phone number, correspondence address);
2) should fill out the interactive risk assessment form (answering the questions contained therein along with explanations);
3) should fill out the interactive business activity information form (“5 questions about Your company”);
4) in the event of a positive risk assessment result within the Calculation, the User is directed to the summary and purchase form (conclusion of the Insurance Contract);
5) in the event that the risk assessment result within the Calculation excludes the possibility of concluding an Insurance Contract according to the standard procedure – the Service Provider contacts the User to investigate the possibility of presenting an individual insurance offer (provided the User has marked consent to receive commercial information from the Service Provider and telephone contact).
6. The insurance premium calculated within the Calculation is binding for the data provided and approved by the User. Any modification and change of the entered data necessitates a new Calculation.
7. The Calculation with the calculated insurance premium is valid for 30 days, provided that upon concluding the Insurance Contract, there is no recalculation of the Insurance Premium due to a change in the insurance and claims history of the Insured.
8. Based on the information entered into the Calculation forms made available on the Service by the User, the Service Provider – acting in the name and on behalf of the insurer – proposes the conclusion of an Insurance Contract.
9. After entering the required data, the User is obliged to check and approve the correctness and accuracy of the entered data.
10. Acceptance of the offer by the User occurs through the payment of the Insurance Premium specified in the Calculation.
11. Payment of the Insurance Premium occurs as a one-time payment or in installments provided for in the GTCI.
12. Payment of the Insurance Premium may be made in the following ways:
1) via the electronic payment system operated by Autopay S.A.;
2) by transfer to a bank account.
13. Payment of the Insurance Premium (or its first installment) should occur
within the deadline specified in the offer or within the deadline agreed with the insurer – otherwise, the offer expires and the payment of the Insurance Premium will not result in the conclusion of the Insurance Contract (and if paid after the deadline, it will be subject to a refund).
14. The Insurance Contract is concluded at the moment of payment of the insurance premium or its first installment in the amount specified in the Insurance Contract or in the Offer. In the case of the User choosing payment by transfer, electronic payment, or payment card – from the date the insurer’s bank account is credited.
15. In the event of a necessity to refund funds for a transaction made by payment card, the refund will be made to the bank account assigned to the payment card of the User who made the payment.
16. Immediately after concluding the Insurance Contract, the User receives via email (to the email address indicated by them):
1) The Policy;
2) The GTCI;
3) The automatically filled application for the conclusion of the Insurance Contract;
4) The insurance certificate.
§ 7.
Contract for Newsletter Delivery
1. To conclude a Contract for Newsletter Delivery, the Subscriber should provide the Service Provider with an email address for this purpose and submit a declaration of consent to receive the Newsletter, acknowledging the Regulations and Privacy Policy and accepting their provisions.
2. Performing the actions indicated in sec. 1 above may occur in any manner, in particular by filling out the electronic form made available on the Service by the Subscriber.
3. Performing the actions indicated in sec. 1 is equivalent to the conclusion of the Contract for Newsletter Delivery by the Subscriber.
4. The Contract for Newsletter Delivery is concluded for an indefinite period.
5. The Service Provider informs, and the Subscriber acknowledges, that:
1) The Newsletter is not subject to updates;
2) the frequency and timing of Newsletter delivery are not predetermined and depend on the current situation of the Service Provider.
6. Newsletter delivery occurs via email, to the email address provided by the Subscriber.
7. The Subscriber may terminate the Contract for Newsletter Delivery at any time and without giving a reason with immediate effect. Independently, the Subscriber may withdraw from the Contract for Newsletter Delivery in accordance with the principles specified in § 9 of the Regulations.
8. Withdrawal from the Contract for Newsletter Delivery or its termination, regardless of the basis for this action, requires the Subscriber to submit an appropriate statement to the Service Provider. The statement referred to in the preceding sentence may be submitted by:
1) the Subscriber clicking on the link enabling resignation from receiving the Newsletter, which is sent with every Newsletter;
2) the Subscriber sending the Service Provider a statement of withdrawal from the Contract for Newsletter Delivery or its termination via email.
9. The Service Provider suspends Newsletter delivery to the Subscriber immediately after the Subscriber performs one of the actions indicated in sec. 8 above.
§ 8.
Complaints submitted under the Complaint Act
1. The User has the right to submit complaints regarding actions taken by the Service Provider,
in matters unrelated to the provided insurance coverage via:
1) electronic mail – at the address: help@ubezpieczenieit.pl;
2) traditional mail – at the address: ul. Wrocławska 98/1, 81-530 Gdynia;
3) telephone – at the number: 575 155 685
2. Complaints referred to in sec. 1 above are considered immediately, no later than within 30 days from the date the Service Provider receives the complaint. The response will be provided in paper form or using another durable medium. The response may also be delivered via email, provided the User submits such a request in the content of the complaint.
3. In particularly complicated cases preventing the consideration of the complaint and providing a response within 30 days, the Service Provider, in information provided to the User who filed the complaint, will explain the cause of the delay, indicate the circumstances that must be established for the consideration of the case, and specify the expected date for considering the complaint and providing a response, not exceeding 60 days from the date of receiving the complaint.
4. In the event of non-acceptance of the User’s claims contained in the complaint, the User has the right to apply for the case to be considered by the Financial Ombudsman. Contact details for the Financial Ombudsman and detailed information regarding proceedings before the Financial Ombudsman are available on the website https://rf.gov.pl.
5. Complaints whose subject is insurance coverage will be forwarded to the appropriate insurance company and considered in accordance with the provisions of the GTCI and the agreement concluded by the Service Provider with the insurance company.
§ 9.
Complaints regarding the Newsletter and Calculation
1. The provisions of this § 8 apply exclusively to:
1) Service Recipients who are Consumers or Entrepreneurs with Consumer Rights;
2) Contracts for Newsletter Delivery;
3) use of the Calculation Service;
4) Non-conformity of the Newsletter with the Contract for Newsletter Delivery.
2. The Digital Performance Subject delivered to the Service Recipient by the Service Provider must be in conformity with the Contract regarding its supply:
1) at the moment of its delivery – in the case where the Digital Performance Subject is delivered once or in parts;
2) throughout the entire period of delivery of the given Digital Performance Subject – in the case where the Digital Performance Subject is delivered continuously.
3. The Service Provider bears liability for Non-conformity:
1) existing at the moment of delivery of the Digital Performance Subject and revealed within 2 (two) years from that moment – in the case where the Digital Performance Subject is delivered once or in parts;
2) revealed during the period of delivery of the given Digital Performance Subject – in the case where the Digital Performance Subject is delivered continuously.
4. In the event of revealing Non-conformity, the Service Recipient may submit a complaint containing a demand to bring the Digital Performance Subject into conformity with the Contract regarding its supply.
5. The complaint is submitted via email, to the address indicated in § 1 sec. 4 point 1 of the Regulations.
6. The complaint should contain:
1) the name and surname of the Service Recipient;
2) the email address;
3) a description of the revealed Non-conformity;
4) a demand to bring the Digital Performance Subject into conformity with the Contract regarding its supply.
7. The Service Provider may refuse to bring the Digital Performance Subject into conformity with the Contract regarding its supply if it is impossible or would require the Service Provider to incur excessive costs.
8. After considering the complaint, the Service Provider provides the Service Recipient with a response to the complaint, in which it:
1) acknowledges the complaint and indicates the planned date for bringing the Digital Performance Subject into conformity with the Contract regarding its supply;
2) refuses to bring the Digital Performance Subject into conformity with the Contract regarding its supply for reasons indicated in sec. 7 above;
3) rejects the complaint due to its groundlessness.
9. The Service Provider provides a response to the complaint via email within 14 (fourteen) days from the date of its receipt.
10. In the event of acknowledging the complaint, the Service Provider shall, at its own cost, bring the Digital Performance Subject into conformity with the Contract regarding its supply within a reasonable time from the moment of receiving the complaint and without excessive inconvenience for the Service Recipient, taking into account the nature of the Digital Performance Subject and the purpose for which it is used. The Service Provider indicates the planned date for bringing the Digital Performance Subject into conformity with the Contract regarding its supply in the response to the complaint.
11. In the event of revealing Non-conformity, the Service Recipient may submit to the Service Provider a statement of withdrawal from the Contract when:
1) bringing the Digital Performance Subject into conformity with the Contract regarding its supply is impossible or requires excessive costs;
2) the Service Provider failed to bring the Digital Performance Subject into conformity with the Contract regarding its supply in accordance with sec. 10 above;
3) the Non-conformity continues to exist, even though the Service Provider attempted to bring the Digital Performance Subject into conformity with the Contract regarding its supply;
4) the Non-conformity is significant enough to justify withdrawal from the Contract regarding the supply of the given Digital Performance Subject without a prior demand from the Service Provider to bring the Digital Performance Subject into conformity with the Contract regarding its supply;
5) it is clear from the Service Provider’s statement or circumstances that the Service Provider will not bring the Digital Performance Subject into conformity with the Contract regarding its supply within a reasonable time or without excessive inconvenience for the Service Recipient.
12. The statement of withdrawal from the Contract may be submitted via email, to the address indicated in § 1 sec. 4 point 1 of the Regulations.
13. The statement of withdrawal from the Contract should contain:
1) the name and surname of the Service Recipient;
2) the email address;
3) the date of delivery of the Digital Performance Subject;
4) a description of the revealed Non-conformity;
5) an indication of the reason for submitting the statement, selected from the reasons indicated in sec. 11 above;
6) a statement of withdrawal from the Contract.
14. The Service Recipient cannot withdraw from the Contract if the Non-conformity is insignificant.
15. In the event of withdrawal by the Service Recipient from the Contract for the supply of the Business Account Service or the Contract for the supply of the Advertisement Service, the Service Provider removes the Business Account or Advertisement respectively immediately after receiving the statement of withdrawal from the Contract.
16. In the event of withdrawal by the Subscriber from the Contract for Newsletter Delivery, the Service Provider suspends Newsletter delivery immediately after receiving the statement of withdrawal from the Contract for Newsletter Delivery.
§ 10.
Right of withdrawal from the Insurance Contract or Contract for Newsletter Delivery
1. A User who is a Consumer or an Entrepreneur with Consumer Rights, who concluded an Insurance Contract via the Service, may withdraw from it without giving a reason by submitting an appropriate statement within 30 days from the date of concluding the contract or from the date of confirming the information referred to in Art. 39 sec. 1 of the Consumer Rights Act, if that date is later.
2. A User who is an Entrepreneur, who concluded an Insurance Contract via the Service, may withdraw from it without giving a reason by submitting an appropriate statement within 7 days from the date of concluding the Insurance Contract.
3. To meet the deadline for withdrawal from the Insurance Contract, it is sufficient to send the statement of withdrawal from the Insurance Contract before the expiry of the deadline referred to in sec. 1 and 2 above.
4. The User may submit the statement of withdrawal from the Insurance Contract via:
1) electronic mail – at the address: help@ubezpieczenieit.pl;
2) traditional mail – at the address: ul. Wrocławska 98/1, 81-530 Gdynia.
5. The Service Provider immediately confirms to the Service Recipient the receipt of the Statement via email.
6. Withdrawal from the Insurance Contract does not release the User from the obligation to pay the Insurance Premium for the period in which the insurer provided insurance coverage. The Insurance Premium then constitutes the product of the days in which the insurer provided coverage and the amount resulting from dividing the Insurance Premium by the days of the coverage period specified in the Policy.
7. In the event of withdrawal by the Subscriber from the Contract for Newsletter Delivery, the Service Provider suspends Newsletter delivery immediately after receiving the statement of withdrawal from the Contract for Newsletter Delivery.
§ 11.
Intellectual Property of the Service Provider
1. All components of the Service, in particular:
1) the name of the Service;
2) the logo of the Service;
3) the operating principles of the Service website, all its graphic elements, interface, software, source code, and databases
– are subject to legal protection under the provisions of the Act of 4 February 1994 on Copyright and Related Rights, the Act of 30 June 2000 – Industrial Property Law, the Act of 16 April 1993 on Combating Unfair Competition, and other generally applicable laws, including European Union law.
2. Any use of the Service Provider’s intellectual property without their prior, express permission is prohibited.
§ 12.
Personal Data Processing
Information on the processing of personal data by the Service Provider can be found in the Privacy Policy
available at: https://ubezpieczenieit.pl/polityka-prywatnosci
§ 13.
Out-of-court Dispute Resolution
1. The provisions of this § 13 apply exclusively to Service Recipients who are Consumers.
2. The Service Recipient has the possibility to use out-of-court methods of handling complaints and pursuing claims.
3. Detailed information regarding the possibility for the Service Recipient to use out-of-court methods of handling complaints and pursuing claims, as well as the rules of access to these procedures, are available at the offices and on the websites of:
1) district (municipal) consumer ombudsmen, social organizations whose statutory tasks include consumer protection;
2) Voivodeship Inspectorates of Trade Inspection;
3) The Office of Competition and Consumer Protection.
4. The Service Recipient may also use the platform for online dispute resolution (ODR) available at: http://ec.europa.eu/consumers/odr/.
§ 14.
Amendment of Regulations
1. The Service Provider may amend the Regulations in the event of:
1) a change in the subject of the Service Provider’s activity;
2) the commencement of providing new services by the Service Provider, modification of services previously provided, or discontinuation of their provision;
3) technical modification of the Service requiring adaptation of the provisions of the Regulations;
4) a legal obligation to make changes, including the obligation to adapt the Regulations to the current legal state.
2. Service Recipients will be informed about the amendment of the Regulations by publishing its amended version on the Service website. Independently, the amended version of the Regulations will be sent to Service Recipients via email.
3. For Contracts for the supply of Advertisement Services and Contracts for the supply of Contact Services concluded before the entry into force of the new Regulations, the provisions of the Regulations in force at that time apply.
4. A User or Subscriber who does not agree to the amendment of the Regulations may terminate the Contract for the supply of the Business Account Service or the Contract for Newsletter Delivery with immediate effect until the entry into force of the amendments to the Regulations. Lack of termination is considered consent to the amendment of the Regulations.
5. Termination of the Contract for Newsletter Delivery occurs by the Subscriber submitting a statement of termination of this Contract to the Service Provider. The statement referred to in the preceding sentence may be sent via email to the address indicated in § 1 sec. 4 point 1 of the Regulations.
6. Immediately after receiving the statement referred to in sec. 5 above, the Service Provider suspends Newsletter delivery.
§ 15.
Final Provisions
1. The law applicable to the Regulations and the Contracts indicated therein is Polish law. However, the choice of Polish law made in the preceding sentence does not deprive the Consumer of the protection resulting from the provisions of foreign law which cannot be excluded by agreement and which would apply in the absence of the choice of Polish law made in the preceding sentence.
2. The current version of the Regulations is valid from 19.11.2023.
