Terms of Use

These Terms of Use govern your access to and use of the website budika-jumili.info (the "Website"), operated by Budika Jumili, located at Piękna 44/21, Warszawa, Poland. By accessing or using this Website, you confirm that you have read, understood, and agree to these Terms. If you do not agree, please refrain from using the Website.

A. Acceptance of Terms

Access to and use of this Website is conditional upon your acceptance of these Terms of Use. These Terms apply to all visitors, users, and anyone who accesses content on the Website. By browsing or interacting with any page of the Website, you acknowledge that these Terms form a binding agreement between you and Budika Jumili, governed by Polish law.

These Terms should be read alongside our Privacy Policy and Cookie Policy, which are incorporated by reference and form part of the overall legal framework governing your use of this Website.

B. Nature of Content

All content published on this Website is provided for general educational and informational purposes only. The subject matter covers behavioral psychology and habit-formation research as it relates to personal saving behaviors.

Content on this Website does not constitute financial advice, investment advice, legal advice, or any other form of professional advice. Nothing published here should be interpreted as a recommendation to take or refrain from any specific financial action. Budika Jumili is an educational platform, not a licensed financial institution, investment firm, or advisory service regulated under Polish or EU financial services law.

You are solely responsible for any decisions you make in connection with your personal finances. If you require specific financial guidance, you should consult a qualified and regulated financial professional.

C. Permitted Use

You may use this Website for personal, non-commercial, educational purposes. Specifically, you are permitted to:

• Read and access all publicly available content on the Website
• Use the contact form to send enquiries to Budika Jumili
• Share links to pages on this Website through personal or professional channels

You are not permitted to:

• Reproduce, copy, or republish any substantial portion of Website content without prior written consent from Budika Jumili
• Use any automated tools, scrapers, bots, or crawlers to extract content from this Website beyond what is necessary for standard search engine indexing
• Attempt to gain unauthorised access to any part of the Website's infrastructure or servers
• Use the Website in any manner that could damage, disable, overburden, or impair its functionality
• Use the Website for any unlawful purpose or in violation of any applicable Polish or EU law or regulation

D. Intellectual Property

All content on this Website — including text, graphics, course descriptions, design elements, logos, and structural layout — is the intellectual property of Budika Jumili or its content contributors, and is protected under applicable Polish intellectual property law and EU copyright directives, including Directive 2019/790 on copyright and related rights in the Digital Single Market.

No content may be reproduced, distributed, adapted, or used commercially without explicit written permission. Requests for licensing or republication should be directed to [email protected].

E. Disclaimer of Warranties

This Website and all content available on it are provided on an "as is" and "as available" basis. Budika Jumili makes no representations or warranties of any kind, express or implied, regarding the completeness, accuracy, reliability, suitability, or availability of the Website or its content.

We do not warrant that the Website will be available without interruption, error-free, or free from viruses or other harmful components. You access and use the Website at your own risk.

F. Limitation of Liability

To the fullest extent permitted under applicable Polish law, Budika Jumili shall not be liable for any direct, indirect, incidental, consequential, or special damages arising out of or in connection with your use of, or inability to use, this Website or its content.

This limitation applies regardless of the legal theory on which a claim is based, whether in contract, tort, negligence, or otherwise. Nothing in these Terms limits liability for death or personal injury caused by negligence, or for any liability that cannot be lawfully excluded under Polish consumer protection law, including the Act of 30 May 2014 on Consumer Rights (Dz.U. 2014 poz. 827).

G. External Links

This Website may contain links to external websites operated by third parties. These links are provided for reference and informational purposes only. Budika Jumili has no control over the content, privacy practices, or availability of external websites and accepts no responsibility for them.

The inclusion of a link does not constitute endorsement of the linked website or its content. You visit external links at your own discretion and risk.

H. Privacy and Data

Your use of this Website involves the collection and processing of certain personal data as described in our Privacy Policy. By using the Website, you acknowledge that you have reviewed the Privacy Policy and understand how your data may be processed. Our cookie practices are described separately in the Cookie Policy.

I. Modifications to the Website

Budika Jumili reserves the right to modify, suspend, or discontinue any part of the Website at any time without notice. We may also update these Terms of Use at any time. The "Last Updated" date at the top of this document indicates when the current version came into effect. Continued use of the Website after any update constitutes acceptance of the revised Terms.

J. Governing Law

These Terms of Use are governed by and construed in accordance with the laws of the Republic of Poland. Any disputes arising from or relating to these Terms or your use of the Website shall be subject to the exclusive jurisdiction of the competent Polish courts, unless mandatory provisions of EU consumer protection law require otherwise.

K. Contact Information

If you have any questions regarding these Terms of Use, please contact us: