These Terms of Use govern your access to and use of the website ciboli.info and any course materials made available through it. By accessing this website, you agree to be bound by these terms. If you do not agree, please do not use this website. These terms are governed by Polish law and applicable European Union law.
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Nature of the Website and Course Content
ciboli.info is an informational and educational website. The content published on this site, including course materials, exercises, worksheets, and reflection prompts, is provided for general educational purposes relating to personal financial awareness and behavioral habits. Nothing on this website constitutes financial advice, investment advice, tax advice, legal advice, or any other form of professional advice regulated under Polish or EU law. Ciboli is not a licensed financial institution, investment firm, or financial advisor under the Act on Trading in Financial Instruments (Ustawa o obrocie instrumentami finansowymi) or any other applicable Polish financial regulation. Users seeking personalized financial guidance should consult a qualified professional.
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Permitted Use
You may access and use this website for personal, non-commercial informational purposes. You may view, download, and print course materials for your own personal use only. You may not reproduce, distribute, publicly display, sublicense, or create derivative works from any content on this website without prior written permission from Ciboli. You may not use this website in any manner that could damage, disable, overburden, or impair it, or interfere with any other party's use. You may not attempt to gain unauthorized access to any part of this website or its underlying systems.
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Intellectual Property
All content on ciboli.info, including text, graphics, course materials, exercises, worksheets, reflection prompts, logos, and design elements, is the intellectual property of Ciboli and is protected under Polish copyright law (Ustawa o prawie autorskim i prawach pokrewnych) and applicable EU intellectual property law. No content may be reproduced, published, or distributed without express written authorization. The Ciboli name and logo are proprietary identifiers of the business and may not be used without permission.
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Access to Course Materials
Access to paid course materials is granted upon completion of the applicable access arrangement as described on the pricing page. Access is personal and non-transferable. You may not share login credentials or course materials with third parties. Ciboli reserves the right to modify, update, or discontinue course content at any time. Where material changes to paid content are made, reasonable notice will be provided. Access does not expire unless otherwise stated at the time of purchase.
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Disclaimer of Warranties
This website and its content are provided on an "as is" and "as available" basis without warranties of any kind, express or implied, to the fullest extent permitted by applicable Polish and EU law. Ciboli does not warrant that the website will be uninterrupted, error-free, or free of harmful components. Ciboli does not warrant that the educational content will produce any particular outcome or result for any individual user. The course is designed to support self-directed reflection and habit development; individual results will vary based on personal circumstances and engagement.
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Limitation of Liability
To the fullest extent permitted by Polish law, including the Civil Code (Kodeks cywilny), Ciboli shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of or inability to use this website or its content. Ciboli's total liability for any claim arising from these terms or your use of this website shall not exceed the amount you paid, if any, for access to the specific course material giving rise to the claim. Nothing in these terms excludes or limits liability for death or personal injury caused by negligence, fraud, or any other liability that cannot be excluded under applicable Polish law.
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Third-Party Links
This website may contain links to third-party websites for informational purposes. Ciboli does not control and is not responsible for the content, privacy practices, or availability of any third-party website. The inclusion of a link does not imply endorsement. You access third-party websites at your own risk and subject to their own terms and policies.
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Consumer Rights
If you are a consumer within the meaning of Polish consumer protection law (Ustawa o prawach konsumenta), you may have statutory rights that cannot be excluded or limited by these terms. For digital content purchases, the statutory right of withdrawal under Article 38(13) of the Consumer Rights Act may not apply once you have expressly consented to delivery beginning before the withdrawal period expires and acknowledged loss of the right of withdrawal. Specific conditions applicable to any access arrangement will be communicated at the point of purchase.
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Privacy
Your use of this website is also governed by our Privacy Policy and Cookie Policy, which are incorporated into these Terms of Use by reference.
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Modifications to Terms
Ciboli reserves the right to update these Terms of Use at any time. Changes will be effective upon publication on this page. The date at the top of this document reflects the most recent revision. Continued use of the website after any modification constitutes acceptance of the revised terms.
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Governing Law and Jurisdiction
These Terms of Use are governed by and construed in accordance with Polish law. Any disputes arising from or relating to these terms or your use of this website shall be subject to the exclusive jurisdiction of the competent courts of Poland, without prejudice to any mandatory consumer protection rights you may have under the law of your country of residence within the European Union.
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Contact
Questions about these Terms of Use may be directed to: Ciboli, aleja Bohaterów Warszawy 21, Szczecin, Poland. Email: [email protected]. Telephone: +48 91 484 07 06.