Terms of
Service

For the purposes of these Terms of Service, the following terms have the following meanings:

a) Service Provider / Administrator BIURO RACHUNKOWE GETAX Sp. z o.o., with its registered office in Bytom at ul. Tysiąclecia 20A/2, 41-933 Bytom, Poland, KRS 0001133027, NIP 9542877939, REGON 529933200. Insurance distribution activities within the Website are performed by Igor Gawryś as a person entered in the Insurance Agents Register maintained by the Polish Financial Supervision Authority under number 11783073/P.

b) Website / Service The website available at ekspert-finansowy.eu together with all its subpages.

c) User Any natural person, legal entity, or organizational unit without legal personality that uses the Website.

d) Client A User who has contacted the Service Provider to use financial or insurance advisory services.

e) Services Services provided by the Service Provider, including in particular: insurance advisory, insurance brokerage, retirement planning, financial planning.

f) Contact Form An electronic tool available on the Website that enables Users to send inquiries to the Service Provider.

2.1. These Terms of Service define the rules for using the Website and the conditions for the provision of services by the Service Provider.

2.2. Using the Website constitutes acceptance of these Terms. If you do not agree with the provisions of these Terms, please stop using the Website.

2.3. The Service Provider provides services in accordance with applicable laws, in particular: • The Insurance Distribution Act of December 15, 2017 (Polish law) • The Electronic Services Act of July 18, 2002 (Polish law) • Regulation (EU) 2016/679 of the European Parliament and of the Council (GDPR)

2.4. The Service Provider is registered in the Insurance Agents Register maintained by the Polish Financial Supervision Authority. The RAU number can be verified at: https://rpu.knf.gov.pl/

2.5. The Service Provider cooperates with over 30 insurance companies, enabling Clients to receive a wide range of insurance and retirement products.

3.1. The Service Provider offers the following services:

a) Insurance Advisory: • Analysis of Client's insurance needs • Comparison of offers from various insurance companies • Recommendation of optimal insurance solutions • Assistance in selecting life, health, property, and business insurance

b) Insurance Brokerage: • Preparation and presentation of insurance offers • Assistance in concluding insurance contracts • Support in policy management and claim filing

c) Retirement Advisory: • Analysis of Client's retirement situation • Advice on IKE, IKZE, and PPK (Polish retirement accounts) • Long-term retirement savings planning • Tax optimization of retirement savings

d) Financial Planning: • Analysis of Client's financial situation • Creation of individual financial strategies • Advice on estate succession

3.2. Information services provided through the Website (articles, calculators, educational materials) are for informational purposes only and do not constitute individual financial or insurance advice.

3.3. Individual advice is provided only after establishing direct contact with the Service Provider and conducting an analysis of the Client's needs.

4.1. Obligations of the Service Provider:

a) The Service Provider undertakes to: • Act in the best interest of the Client • Exercise due diligence in providing services • Maintain confidentiality of information provided by the Client • Comply with the code of ethics for insurance agents • Inform the Client about all costs and commissions

b) The Service Provider informs that: • It receives commission remuneration from insurance companies • The amount of commission does not affect recommendations to the Client • Upon Client's request, information about commission amounts will be disclosed

4.2. Obligations of the Client:

a) The Client undertakes to: • Provide true and complete information necessary for service provision • Promptly inform about changes in contact details • Review the terms of proposed products before making decisions • Comply with the provisions of these Terms

b) The Client declares that: • They are of legal age or act with the consent of a legal guardian • Data provided in forms is true • They have read and understood the Terms of Service and Privacy Policy

5.1. Technical requirements: • Device with internet access • Web browser supporting JavaScript and cookies • Active email account (for communication)

5.2. The User agrees to: • Use the Website in accordance with its intended purpose • Not take actions that may disrupt the functioning of the Website • Not send unlawful, offensive, or misleading content • Not use automated tools to download Website content

5.3. The following is prohibited: • Copying, modifying, or distributing Website content without the Service Provider's consent • Impersonating other persons or entities • Sending spam or unsolicited commercial information • Attempting unauthorized access to Website systems

5.4. The Service Provider reserves the right to: • Temporarily disable the Website for maintenance purposes • Modify the functionality of the Website • Refuse to provide services in case of Terms violation

6.1. Limitation of Service Provider's Liability:

a) The Service Provider is not liable for: • Investment or insurance decisions made by the Client • Actions or omissions of insurance companies • Losses resulting from circumstances beyond the Service Provider's control • Website access interruptions caused by external factors • Content on websites linked from external links

b) The Service Provider's liability is limited to damages caused by willful misconduct or gross negligence.

6.2. Disclaimers regarding information:

a) Information presented on the Website: • Is of a general and educational nature • Does not constitute an offer within the meaning of the Civil Code • Does not constitute individual financial, investment, or insurance advice • Cannot be treated as a guarantee of future results

b) Before making financial or insurance decisions, we recommend consultation with the Service Provider or another qualified specialist.

6.3. Force Majeure: The Service Provider is not liable for non-performance or improper performance of services caused by force majeure, including: natural disasters, wars, terrorist attacks, strikes, technical infrastructure failures.

7.1. Complaint Procedure:

a) The Client may submit a complaint regarding services provided by the Service Provider.

b) Complaints can be submitted: • In writing to: ul. Tysiąclecia 20a/2, 41-933 Bytom, Poland • By email to: kontakt@ekspert-finansowy.eu • By phone at: +48 664 333 369

c) A complaint should include: • Client identification data (name, surname, contact details) • Description of the complaint subject • Expected resolution method • Date and signature (in case of written form)

7.2. Complaint Processing:

a) The Service Provider will process the complaint within 30 days from the date of receipt.

b) In complex cases, the deadline may be extended, and the Client will be informed accordingly.

c) The response to the complaint will be provided in written or electronic form, according to the Client's preferences.

7.3. Out-of-court dispute resolution:

a) If the complaint is not accepted, the Client may: • Contact the Financial Ombudsman (https://rf.gov.pl) [Polish institution] • Use mediation at the Polish Financial Supervision Authority • Use the ODR (Online Dispute Resolution) platform: https://ec.europa.eu/consumers/odr/

8.1. Copyright:

a) All content posted on the Website, including texts, graphics, photos, logos, icons, audio and video materials, is protected by copyright.

b) The owner of copyright to original content is the Service Provider or entities that have granted appropriate licenses.

8.2. Permitted Use:

a) The User may: • View Website content for personal use • Print individual pages for personal use • Quote fragments of content with source attribution

b) Without written consent of the Service Provider, the following is prohibited: • Copying, reproducing, or distributing Website content • Using content for commercial purposes • Modifying or creating derivative works • Removing copyright notices or markings

8.3. Trademarks: The name "Igor Gawryś – Financial Expert" and the logo are trademarks of the Service Provider and may not be used without written consent.

9.1. The Service Provider reserves the right to change these Terms of Service for important reasons, in particular: • Changes in applicable laws • Changes in the scope of services provided • Organizational changes in the Service Provider's operations • Need to adapt to regulatory requirements • Development of technology and Website functionality

9.2. The Service Provider will inform Users about planned changes through: • Publication of a new version of the Terms on the Website • A visible notice on the homepage • Information on the contact form

9.3. Changes take effect 14 days from the date of publication, unless they result from legal requirements requiring immediate implementation.

9.4. Continued use of the Website after changes take effect constitutes acceptance of these changes. If you do not accept the changes, you should stop using the Website.

9.5. Contracts concluded before the changes take effect are subject to the Terms in force at the time of conclusion, unless the Client agrees to the new terms.

10.1. Polish law is the governing law for legal relationships arising from these Terms of Service.

10.2. Disputes arising from the use of the Website or services provided will be resolved by the court having jurisdiction over the Service Provider's headquarters, subject to jurisdiction arising from mandatory provisions of law (in the case of consumers – the court having jurisdiction over the consumer's place of residence).

10.3. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall remain in force.

10.4. These Terms of Service come into effect on February 1, 2026.

10.5. Contact the Service Provider:

BIURO RACHUNKOWE GETAX Sp. z o.o. KRS 0001133027, NIP 9542877939, REGON 529933200 ul. Tysiąclecia 20a/2 41-933 Bytom, Poland

Email: kontakt@ekspert-finansowy.eu Phone: +48 664 333 369 Website: https://ekspert-finansowy.eu