These Terms of Use govern your access to and use of the website located at gibivu-rikenu.info (the "Website"), operated by Gibivu Rikenu, Garbary 35, 61-131 Poznań, Poland. By accessing or using the Website, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Website. These Terms are governed by Polish law and applicable European Union law, including but not limited to the Act of 18 July 2002 on Providing Services by Electronic Means (Dz.U. 2002 Nr 144, poz. 1204, as amended, "UŚUDE").
A. Nature of the Website
The Website provides access to educational content in the form of a short course on the subject of personal financial goal-setting and habit formation. All content published on the Website is informational and educational in nature. Nothing on this Website constitutes financial advice, investment advice, legal advice, or any other form of professional advice. The content is intended to describe general educational methods and frameworks and does not take into account the individual financial circumstances of any user. Users are responsible for their own financial decisions and should seek qualified professional advice where appropriate.
B. Intellectual Property
All content on the Website, including but not limited to text, images, graphics, layout, design, course materials, and software, is the property of Gibivu Rikenu or its licensors and is protected by applicable intellectual property laws, including the Polish Act of 4 February 1994 on Copyright and Related Rights (Dz.U. 1994 Nr 24, poz. 83, as amended). You may access and view the content of the Website for personal, non-commercial educational purposes. You may not copy, reproduce, distribute, modify, transmit, publish, display, or create derivative works from any content on the Website without prior written permission from Gibivu Rikenu. Limited quotation for personal reference or educational commentary is permitted provided clear attribution is given.
C. Acceptable Use
You agree to use the Website only for lawful purposes and in a manner that does not infringe the rights of others or restrict or inhibit their use and enjoyment of the Website. Prohibited uses include but are not limited to: using the Website to transmit unsolicited commercial communications; attempting to gain unauthorised access to any part of the Website or its infrastructure; using automated tools to scrape, crawl, or extract content from the Website without express permission; and uploading or transmitting any material that is harmful, offensive, defamatory, or in violation of applicable law. Gibivu Rikenu reserves the right to restrict or terminate access to the Website for any user who violates these conditions.
D. Weekly Tracker Tool
The Weekly Tracker feature available on the Website is a browser-based educational tool. All data entered into the Weekly Tracker is stored locally in your browser using the localStorage API and is not transmitted to or stored on any server operated by Gibivu Rikenu. Gibivu Rikenu accepts no responsibility for the loss of data entered into the Weekly Tracker due to browser clearing, device changes, or technical failure. The Weekly Tracker is provided as an educational aid and does not constitute a financial planning tool or service.
E. Disclaimer of Warranties
The Website and all content therein are provided on an "as is" and "as available" basis without warranties of any kind, either express or implied, to the fullest extent permitted by applicable law. Gibivu Rikenu does not warrant that the Website will be uninterrupted, error-free, or free from viruses or other harmful components. The educational content is provided for general informational purposes and Gibivu Rikenu makes no representations regarding its accuracy, completeness, or suitability for any particular purpose. Users rely on the content at their own risk.
F. Limitation of Liability
To the fullest extent permitted by Polish law and EU law, Gibivu Rikenu shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from or in connection with your use of or inability to use the Website or its content, including but not limited to financial losses, loss of data, or loss of business opportunity. Nothing in these Terms limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded under applicable law, including the Polish Civil Code (Kodeks Cywilny).
G. Third-Party Links and Services
The Website may contain links to third-party websites or services for informational purposes. Gibivu Rikenu does not control, endorse, or accept responsibility for the content, privacy practices, or availability of third-party websites. Access to third-party websites is at your own risk and subject to the terms and conditions of those websites. The inclusion of any link does not imply endorsement by Gibivu Rikenu of the linked website or its content.
H. Governing Law and Disputes
These Terms of Use are governed by the law of the Republic of Poland. Any disputes arising from or in connection with these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the courts of Poznań, Poland, unless otherwise required by applicable consumer protection law. If you are a consumer resident in the European Union, you may also be entitled to use the Online Dispute Resolution platform operated by the European Commission, available at ec.europa.eu/consumers/odr.
I. Amendments
Gibivu Rikenu reserves the right to amend these Terms of Use at any time. Revised Terms will be published on the Website with an updated date. Your continued use of the Website after the publication of revised Terms constitutes your acceptance of the changes. If you do not agree to the revised Terms, you should discontinue use of the Website. For material changes, Gibivu Rikenu will endeavour to provide reasonable notice through the Website.