Terms of Use

A. Acceptance of Terms

By accessing and using the website hojage-xutaka.info (the "Website") or participating in any webinar or educational programme offered by Hojage Xutaka ("we", "us", "our"), you confirm that you have read, understood, and agree to be bound by these Terms of Use ("Terms"). If you do not agree with any part of these Terms, please discontinue use of the Website immediately.

These Terms apply to all visitors, users, and participants. We reserve the right to modify these Terms at any time, and your continued use of the Website following any changes constitutes acceptance of the revised Terms.

These Terms are governed by Polish law and are consistent with the requirements of the Polish Civil Code (Kodeks cywilny, Act of 23 April 1964, Journal of Laws 2023, item 1610, as amended) and applicable European Union legislation.

B. Description of Services

Hojage Xutaka operates a programme of live online webinars focused on the behavioral psychology of personal finance. Our services include, but are not limited to, the hosting of educational webinar sessions, provision of informational content through the Website, and communication with registered participants and mailing list subscribers.

All content provided through the Website and in webinar sessions is intended for educational and informational purposes only. We do not provide financial advice, investment guidance, legal advice, psychological therapy, or any other form of regulated professional service. Nothing on this Website or in our webinars constitutes a recommendation or endorsement of any specific financial product, service, strategy, or course of action.

Hojage Xutaka is not a licensed financial institution, investment firm, credit institution, or regulated financial adviser. Our educational content explores behavioral and psychological patterns related to personal finance and is designed to encourage reflection and understanding, not to direct financial decisions.

C. Website 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 the use and enjoyment of the Website by any third party.

You must not: (i) use the Website in any way that violates applicable local, national, or international laws or regulations; (ii) transmit unsolicited commercial communications; (iii) attempt to gain unauthorised access to any part of the Website or its underlying infrastructure; (iv) engage in any conduct that could damage, disable, or impair the Website or our servers; (v) introduce malicious code, viruses, or other harmful material.

We reserve the right to restrict or terminate access to the Website at our discretion, without notice, where we reasonably believe these Terms have been violated.

D. Intellectual Property

All content on the Website, including but not limited to text, images, graphics, logos, icons, video content, and the overall design and compilation of the Website, is the property of Hojage Xutaka or its content suppliers and is protected by Polish copyright law (Ustawa z dnia 4 lutego 1994 r. o prawie autorskim i prawach pokrewnych, Journal of Laws 2022, item 2509, as amended) and applicable international copyright treaties.

You may access and view content on the Website for personal, non-commercial purposes. You may not reproduce, distribute, modify, create derivative works from, publicly display, or exploit any content from the Website without our prior written consent, except as permitted by applicable law.

All webinar content, including presentations, exercises, and materials shared during sessions, is proprietary to Hojage Xutaka. Recording of webinar sessions without our express written permission is prohibited.

E. Webinar Participation

By registering for and participating in our webinars, you agree to conduct yourself respectfully and constructively. You acknowledge that sessions involve group discussion and that other participants have a right to a productive and respectful environment.

You must not record, screenshot, or otherwise capture webinar content without our express written permission. You must not share access credentials or registration details with third parties. You must not use webinar sessions to promote commercial services or to solicit other participants.

We reserve the right to remove participants from sessions where these conditions are not met, without refund where applicable.

Participation in webinars is subject to availability. We make reasonable efforts to deliver sessions as scheduled but reserve the right to reschedule or cancel sessions where circumstances require. In such cases, registered participants will be notified as promptly as practicable.

F. Educational Nature of Content

The content we provide is strictly educational and informational. It draws on publicly available behavioral science and psychology research. We present this content to encourage awareness and reflection. We do not make recommendations, provide advice, or suggest that any particular course of action is appropriate for any individual.

Any decisions you make regarding your personal finances, spending, saving, or investment following exposure to our content are your own responsibility. We do not accept liability for any financial decisions made as a result of engaging with our content.

If you require professional financial, legal, or psychological guidance, we encourage you to consult a qualified professional registered and regulated in your jurisdiction.

G. Limitation of Liability

To the maximum extent permitted by applicable law, Hojage Xutaka excludes all liability for any direct, indirect, incidental, special, consequential, or punitive damages arising from your use of the Website, participation in webinars, or reliance on any content provided by us.

The Website and its content are provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.

We do not warrant that the Website will be uninterrupted, error-free, or free from viruses or other harmful components. We do not warrant the accuracy, completeness, or currency of any information on the Website.

Nothing in these Terms shall limit or exclude liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded under Polish law.

H. Links to Third-Party Websites

The Website may contain links to third-party websites. These links are provided for informational purposes and convenience only. We do not endorse, control, or accept responsibility for the content, privacy practices, or services of any linked third-party websites. Accessing third-party websites through links on our Website is done entirely at your own risk.

I. Privacy

Your use of the Website is also governed by our Privacy Policy, which is incorporated into these Terms by reference and is available at privacy.html. By using the Website, you consent to the processing of your personal data as described in the Privacy Policy.

J. Modifications to Services and Terms

We reserve the right to modify, suspend, or discontinue any aspect of the Website or our services at any time without prior notice. We also reserve the right to amend these Terms at any time. The revised Terms will be posted on this page with an updated date. Your continued use of the Website following any amendments constitutes your acceptance of the revised Terms.

We recommend reviewing these Terms periodically to ensure you are aware of any changes.

K. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of Poland, including the Polish Civil Code and applicable European Union regulations. 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 competent courts in Poznań, Poland, unless mandatory consumer protection provisions of your country of residence require otherwise.

If you are a consumer resident in the European Union, you may also have recourse to the European Commission's Online Dispute Resolution platform, available at https://ec.europa.eu/consumers/odr.

L. Contact Information

If you have questions about these Terms of Use or wish to contact us regarding any matter relating to the Website or our services, please reach out to us:

Hojage Xutaka
Marcelińska 15A, Poznań, Poland
Email: [email protected]
Phone: +48 261 572 802