1. The website under the name NaszEkspert.pl is available at the address: www.naszekspert.pl and its subdomains.
2. The Service is operated by Emilia Kita conducting business under the name: Emilia Kita with its registered office in Wrocław, ul. Mieszczańska 8/20, 50-201 Wrocław, NIP: 8971893967, REGON: 389522620 (hereinafter: the Service Provider).
3. These Terms define the rules for use of the Service by Users, including the rights and obligations of Users and the Service Provider.
4. Contact with the Service Provider is possible:
5. Acceptance of the Terms is voluntary but necessary in order to use the Service, including the functions offered by the Service, as described in detail in the remainder of the Terms.
6. Use of our Service in any manner – including browsing – shall be subject to the Terms. By accessing and using our Service, the User acknowledges and accepts the Terms. If the User does not accept the Terms, they may not access the Service.
7. The Terms are made available free of charge in a manner enabling Users to read their content, to store their content by printing, saving or downloading to an external medium, and to read the currently applicable version as well as previous versions.
8. The Service serves as an intermediary platform. The Service Provider does not provide credit or financial advisory services. Accordingly, the Service Provider is not liable for the actions of Experts or for the consequences of financial decisions taken by Users.
9. The Service Provider provides only technological tools and does not interfere in the Expert–User relationship. Experts work independently (on their own account) and in no event are they employed by the Service Provider nor do they work for the Service Provider.
1. Administrator / Service Provider – the entity operating the Service, i.e. Emilia Kita conducting business under the name: Emilia Kita with its registered office in Wrocław, ul. Mieszczańska 8/20, 50-201 Wrocław, NIP: 8971893967, REGON: 389522620.
2. Credit Expert / Expert – an entity using the Service, being a credit expert (who may be a credit adviser within the meaning of the law) who has concluded an agreement for the provision of Services with the Service Provider and has registered in the Experts portal. The credentials of the Credit Expert are verified by the Service Provider. A Credit Expert is a natural person conducting business who holds the required entry in the KNF register.
3. Visit Calendar – a computer programme constituting a tool for managing the Expert’s work schedule, enabling the User to make an online booking for a consultation with the Expert via the Internet and, in certain cases – in accordance with the Expert’s decision – requiring payment for the consultation to be made outside the Service.
4. User Account – an electronic service; an entry in the Service database from which access to certain Services arises; a set of resources in the Service Provider’s IT system designated by an individual name (login) and password created by the User, enabling the User to use certain functionalities of the Service. The User gains access to the Account by means of login and password.
5. Ranking Criteria (Ranking) – The search results ranking determines the order in which Experts or Services are displayed to the User when searching on the Service. The Service Provider uses algorithms to determine the order in which search results are displayed to the User, which allows Experts to be displayed in an order corresponding to the User’s specific needs. There are a number of different factors that affect the search results ranking, and some of them may have a greater impact on these results than others. The factors with the greatest weight are: Expert availability; the number, type and content of reviews; the number of returning Users; the type of subscription chosen by the Expert in the Service; and the completeness of the Expert’s profile.
6. Review – an Electronic Service enabling the User to express an opinion about a Credit Expert, via a link after using the Services offered by the Expert (the link may be shared directly by the Expert) or via the appropriate form available on the Service.
7. Digital Product – digital content, e.g. reports, e-books, educational materials and other digital content offered for a fee by the Service Provider, being the subject of a contract of sale between the Service Provider and the User.
8. Expert Profile – a set of information about the Expert posted on the Service in the form of a Service subpage with a unique URL address.
9. Terms – these Service Terms for Users, containing the conditions for the provision of services by electronic means by the Service Provider to Users. They define the rights and obligations of Users and the Service Provider.
10. Reviews Terms – define the rules for posting, publishing and moderating reviews on the Service. The Reviews Terms supplement the Service Terms and the Experts Terms. Reviews published on the Service relate solely to Users’ experiences arising from contact or cooperation with Experts via the Service. The Service does not publish, import or display reviews from external websites, portals or other sources. Details are set out in the Reviews Terms.
11. Expert Registration – the process of creating an accredited Expert Account.
12. User Registration – the process of creating an Account by the User.
13. GDPR – Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC.
14. Service – the NaszEkspert.pl website enabling the presentation of Experts’ services and contact with Users, connecting persons seeking credit with verified Credit Experts, enabling the viewing of reviews and the booking of appointments with experts. It operates as a reviews platform, consultation booking and secure cooperation between Users and Experts. The Service constitutes an information platform and technological tool enabling Users to search for and contact Experts. Advisory services are provided solely by Experts acting in their own name.
15. Statistics – shall mean compilations of data generated in the course of the Service’s operation, concerning Users’ activity in relation to the Expert Profile, in particular comprising: (a) the number of views of the Expert’s profile, (b) the number of expressions of intent to send a message to the Expert, (c) the number of expressions of intent to establish telephone contact with the Expert, (d) other quantitative data concerning Users’ interaction with the Expert’s profile – where such data is collected, with the User’s consent. Statistics are for information purposes only, are presented in aggregated form and serve solely analytical purposes and assessment of interest in the Expert’s profile.
16. Teleconsultation (Online Consultation) – An online consultation is provided by electronic means of communication by the Expert to the User, i.e. remotely by telephone, video consultation or chat. By booking an online Consultation, the User enters into a direct contract with the Expert. The Service Provider is not a party to that contract.
17. Services – have the meaning given in the remainder of the Terms. The Service Provider provides Services to Users on the basis of the Service Terms. The provision of Services by electronic means is based on the provisions of the Act of 18 July 2002 on the provision of services by electronic means. Within the Service’s functionality, the Service Provider offers, inter alia, CRM, chat, document transfer and other Services described in detail in these Terms.
18. User – a natural person with full legal capacity who (I) has completed Registration on the Service, including via Facebook, Google or Apple, or (II) has made a booking with an Expert via the Visit Calendar, or (III) has used the functionality of asking questions to an Expert, or (IV) has added a review of an Expert using an e-mail address. Furthermore, User also means any natural person using or browsing the Service. This term varies depending on context and includes persons who may read or write reviews posted on the Service, publish questions to Experts, make appointments with Experts or search for potential Experts for cooperation.
19. Digital Product Order – a statement of will by the User expressing the direct intention to conclude a distance contract of sale, made using means of distance communication, specifying the Digital Product in respect of which the User makes an offer to conclude a contract of sale and the data necessary for the conclusion and performance of the contract of sale. Each order for a Digital Product shall be treated as a separate offer to conclude a contract of sale.
1. Minimum technical requirements of the device enabling full and correct use of the Service: (a) a device with access to the Internet; (b) the latest version of a web browser; (c) an active e-mail account (e-mail address) for the purpose of creating a User Account.
2. The Service Provider does not warrant that use of the Service will be free from errors and technical interruptions. The Service Provider reserves the right to suspend or restrict access to the Service at any time, without prior notice. The Service Provider shall endeavour to restore the Service’s operation without delay.
3. The Service Provider is not liable for the content of other websites and portals to which the User may be redirected when using links placed on the Service.
4. The User has no right to use the Services offered by the Service in a manner contrary to law, good practice or in a manner that would infringe the legitimate interests of the Service Provider, the Expert or third parties.
5. Without the Service Provider’s consent, the User has no right to download the content of databases available on the Service for the purpose of reusing them for commercial or other activity that would infringe the Service Provider’s interest.
6. The contact point designated in § 1(4)(a) of the Terms also serves for the consideration of complaints concerning illegal content. The Service accepts complaints at the e-mail address indicated above and is authorised to suspend persons publishing illegal content. The Service is prepared to cooperate with public authorities in respect of illegal content.
7. Content inconsistent with the Terms includes, inter alia, content discriminating against certain social groups, content commonly considered offensive and content infringing the provisions of the GDPR and the personal data protection legislation. Publication of content that is unlawful or contrary to good practice is prohibited. Where violations are found following analysis of a complaint received, the Service shall take steps without delay to suspend persons infringing the law.
8. The designated contact point also serves for the submission of appeals in the event of blocking or removal of content. The appeals procedure offered by the Service is in accordance with the law and ensures fair consideration of appeals and is not carried out in an automated manner.
9. The Service Provider undertakes to cooperate with the competent law enforcement authorities in the event of detection of illegal or unlawful content.
10. The User undertakes that when using the Service they will not: (a) breach the Terms, and also undertakes to use the Service in accordance with applicable law; (b) use the Service in a manner that misleads the Service Provider, other Users or Experts, including in particular by adding or participating in adding unreliable reviews, or by booking online consultations only to cancel them without justification or fail to attend (i.e. artificially blocking time slots); (c) publish content inconsistent with the principles described above in the Terms, including taking actions that may infringe the personal rights of Users, Experts or the Service Provider; (d) copy, access, modify, reproduce, decompile or extract the source code or any software code of any part of the Service; (e) repeatedly submit manifestly unjustified complaints; (f) attempt to obtain unauthorised access to User accounts or other data protected by the Service.
1. When using the Services, the User must provide correct and complete information, and in certain circumstances may be able or required to create an Account. When creating an Account or using the Services, the User undertakes not to create false or misleading profiles and not to provide false or misleading information or information they are not authorised to use.
2. The User is obliged to provide complete and accurate data when using the Services.
3. The Service Provider has the right to verify the User’s identity or any information provided by them and to temporarily or permanently suspend the User’s access to the Services or their Account if false, misleading or unauthorised information provided by the User is identified.
4. A User who creates an account or uses the Services must accept the Terms. Acceptance of the Terms constitutes the conclusion of a contract for the provision of Services by electronic means with the Service Provider.
5. The Service Provider may also restrict the visibility of or suspend the User Account in the event of complaints from other Users, lack of response or breaches of the law or the provisions of the Terms. User Accounts that breach the provisions of the Terms shall be removed by the Service Provider.
1. This § 5 of the Terms defines the rules for making available informational content, educational materials and tools available on the Service.
2. The Service makes available to Users content of an informational and educational nature, in particular articles, reports, analytical materials, digital publications (e-books) and calculation tools. All content and results of calculation tools available on the Service are for informational and educational purposes only and do not constitute financial, credit, investment or legal advice. By publishing content on the Service, the Service Provider does not provide financial, credit or investment advisory services.
3. Use of informational content, educational materials and calculation tools does not give rise to an advisory relationship between the User and the Service Provider.
4. The Service Provider is not liable for decisions taken by Users on the basis of informational content, educational materials or calculator results available on the Service.
5. Some content available on the Service may be subject to a charge (so-called Digital Products). Paid calculation tools may also be available to Users who do not have an account on the Service.
6. The Service Provider may make available paid Digital Products, in particular e-books, reports and other educational publications. The Service Provider may also make available paid calculation tools, including financial calculators, in particular a credit overpayment calculator.
7. Information on charges, prices and the scope of functionality of paid content and tools is each time presented to the User before payment. Purchase of paid digital content or calculation tools is not equivalent to concluding a contract for the provision of advisory services.
8. The specifics of each Product, its composition and characteristics are set out in the Product descriptions in the Shop.
9. Digital content made available in the Shop is protected by copyright. Use thereof is permitted solely for personal use. Commercialisation or further making available thereof constitutes an infringement of copyright. In the event of a wish to commercialise such content, the Service Provider should be contacted and their written consent obtained.
10. The Service Provider is not liable for consequences arising from improper use of ready-made Digital Products.
11. In respect of digital products, there is no right of withdrawal from the contract. Accordingly, the right of withdrawal from a distance contract does not apply in respect of a contract for the supply of digital content which is not supplied on a tangible medium where performance has begun (i.e. access to the Digital Product has been obtained). By confirming that they have read the Terms, the Customer additionally confirms that they consent to the supply of digital content or performance of the services covered by the order and to the commencement of performance before the expiry of the 14-day period for withdrawal from the contract. In this way they lose the right of withdrawal from the contract.
1. The Service Provider, before publishing the Expert’s profile and periodically during its operation, carries out formal verification of the existence of the Expert’s entry in the relevant KNF register.
2. Verification is solely formal in nature and consists in checking publicly available registers.
3. The Service Provider may disclose the KNF registration number in the Expert’s profile. The Expert is obliged to inform the Service Provider without delay of any change in the status of the KNF entry, in particular deletion, suspension or restriction.
4. Basic information about the Expert required by the Service includes: first name and surname, professional title, KNF registration number, address for the performance of activities in the field of advisory services.
5. The Service Provider requires Experts applying for creation of an Account on the Service to provide information that is accurate, complete and true. At the same time, the Service Provider informs that the Expert bears sole responsibility to Users for the accuracy and truthfulness of information concerning the KNF entry.
6. The KNF does not participate in the operation of the Service nor does it recommend Experts.
7. Information on the KNF entry is for information purposes only and does not constitute a recommendation or guarantee of the quality of services.
8. The Service Provider is not responsible for credit decisions or the relations between Experts and Users.
1. The Service offers the possibility of contact with a selected Expert.
2. The Service enables contact with a selected Expert via the functionality available on the Service, namely chat.
3. Use of chat is possible only for Users who have an active Account on the Service and are logged in at the relevant time.
4. Chat serves solely for the exchange of text messages between the User and the Expert. It is not possible via chat to send, add or share any documents, files or other attachments.
5. The User is obliged to use chat in accordance with applicable law, the provisions of these Terms and good practice. The User bears sole responsibility for the content of messages transmitted via chat.
6. Information transmitted when using chat may be processed by the Service Provider as the personal data controller on the terms set out in the Privacy Policy and Cookie Policy available on the Service.
7. The Service enables the User to book a consultation with a selected Expert via the Visit Calendar functionality available on the Service. For this purpose, the User selects an available time slot indicated in the Visit Calendar made available by the Expert and specifies the preferred form of consultation, in particular: (a) online consultation, (b) telephone consultation, (c) in-person meeting at the Expert’s office.
8. The consultation time slot selected by the User is subject to confirmation by the Expert. Until confirmation, the time slot is a provisional booking.
9. The User may make a maximum of 5 simultaneous consultation bookings via the Service over a period of one week.
10. Consultations may be subject to a charge. Any charges related to the consultation are agreed directly between the User and the Expert.
11. The Service is not a party to the contract for a paid consultation between the User and the Expert. Payments for consultations are made outside the Service, and the Service Provider does not participate in the settlement process, does not collect fees in this regard and is not liable for the manner or terms of payment.
12. The User may cancel or change the consultation time slot via the Service functionality, provided that the Expert provides for such possibility in their Visit Calendar or cooperation rules. Detailed conditions for cancellation or change of time slot may be specified individually by the Expert.
13. The User acknowledges that information provided by the Expert in the course of chat or consultation is for information and advisory purposes and does not constitute a guarantee of the User achieving specific results or economic, financial or legal effects. The Service Provider is not liable for the content of advice, recommendations or information provided by the Expert or for decisions taken by the User on the basis thereof.
1. The Service Provider may display advertisements on the Service. The Service Provider indicates that content is advertising and specifies who the advertiser is. In some cases, the Service Provider may display personalised advertisements to the User based on the User’s preferences, which will be presented on third-party websites (e.g. the Service Provider may display an advertisement to the User on other websites).
2. For detailed information, please refer to the Service Provider’s Privacy Policy available on the Service.
3. If the User finds any information on the Service which they consider to be advertising but which is not marked as such, the Service Provider requests that this be reported by sending information to the e-mail address specified in § 1(4)(a).
1. Detailed information on the possibility for consumers and entrepreneurs acting as consumers (hereinafter collectively: Consumer) to use out-of-court methods of handling complaints and pursuing claims, and the rules of access to these procedures, are available at the offices and on the websites of District (Municipal) Consumer Ombudsmen, non-governmental organisations whose statutory tasks include consumer protection, Regional Inspectorates of the Trade Inspection and the Office of Competition and Consumer Protection (hereinafter: UOKiK).
2. Wishing to use out-of-court methods of handling complaints and pursuing claims, the Consumer may turn to institutions dealing with the protection of consumer rights and interests, in particular: (a) the District (Municipal) Consumer Ombudsman, (b) regional inspectorates of the Trade Inspection (WIIH) and their branch offices conducting mediation. Mediation is conducted at the request of the Consumer or ex officio after exhaustion of the complaint procedure. The mediator is a WIIH employee. Mediation is voluntary, meaning that both parties to the contract must consent to this method of resolving the dispute, (c) arbitration courts, in particular permanent consumer arbitration courts operating at the WIIH (both in regional capitals and in branch offices). These courts hear disputes concerning property rights arising from contracts for the sale of Products and the provision of services. Their fundamental characteristic is their voluntary nature. Proceedings may be initiated by both the Consumer and the entrepreneur.
3. The content of § 9 of the Terms is for information purposes only and does not constitute an obligation on the part of the Service Provider to use out-of-court methods of dispute resolution. The Service Provider’s statement of consent or refusal to participate in proceedings for the out-of-court resolution of consumer disputes is made by the Service Provider on paper or another durable medium where, following a complaint submitted by the Consumer, the dispute has not been resolved.
1. The Service Provider makes available the following payment methods for access to paid Digital Products: payment via an electronic payment system (fast online transfer, BLIK, card payment).
2. Any complaints concerning fast electronic payments may be submitted by the User directly to the payment operator.
3. In the event of non-receipt of the User’s payment by the Service, the Service Provider may contact the User to remind them of the payment and abandoned cart, including by sending an e-mail (transactional e-mail).
4. Failure to make payment will result in the offer submitted not being accepted.
1. The Service Provider is not liable for the consequences of services provided by the Expert.
2. The Service Provider does not provide credit advisory services and in particular does not conduct activity relating to credit advisory.
3. The Service Provider is merely an intermediary and provider of technical services, supporting the establishment of contact between Users and Experts. This means that the Expert chosen by the User, and not the Service Provider, is responsible for providing any Services to the User.
4. Experts may send communications directly to Users via the Service, and the Service Provider is not liable for such communications.
5. Any arrangements, conversations, bookings or contracts concerning the provision of advisory, assistance or procedural services with any Expert whose Profile is published on the Service are made directly between the User and the Expert. The Service Provider is not a party to such arrangements, conversations, bookings or contracts. In light of this, any complaints, grievances or claims of the User which may in any way be related to the Expert, the Services provided by them to the User, their practice or their communication are directed directly against that Expert, and not against the Service Provider.
6. The Service Provider is not liable for any actions or omissions of the Expert or their staff in connection with the Services.
7. The Service Provider is an intermediary and provider of technical services in the context of Services provided by Experts to Users via the Service, and accordingly the relevant exclusions and limitations of liability in respect of intermediary service providers under the applicable provisions apply.
8. The Service Provider is not liable for any damage arising (regardless of the theory of liability – tort, contractual obligations) in connection with: (I) any advice or information provided by the Expert, including advice that has been published on the Service, (II) the actions or omissions of the Expert, including any erroneous or misleading communication or information provided by the Expert, (III) any payments made by the User to the Expert as remuneration for their services.
9. The Service Provider is not liable for unauthorised access to the User’s Account as a result of third parties obtaining access to the password. In the event of suspicion that the password may have been disclosed to third parties, the User undertakes to change the password without delay or to contact the Service Provider for this purpose. Where the Service obtains information about unauthorised access to the User’s Account, the Service may reset the Account password and log the User out from all devices for security purposes.
10. To ensure Account security, a unique password should be used when creating it. The password should differ from all other passwords used by the User on other services. The User undertakes to maintain the confidentiality of account data and the password (and any other access data). The User is responsible for ensuring the security and confidentiality of the password and login.
11. The Service Provider is not liable for any failure of the Service or unavailability of the Services or delay in the performance of any of the obligations arising from the Service Terms that are caused by circumstances or events beyond the Service Provider’s reasonable control.
1. The Service Provider declares that it is the controller of Users’ personal data. The Service Provider also informs Users that the Expert is a separate controller of personal data.
2. The Administrator acts as a processor.
3. The rules for the protection of personal data are set out in detail in the annex: Privacy Policy, whilst the rules for the use of cookies on the Service are set out in the Cookie Policy document.
4. The processing of Users’ personal data is carried out in accordance with the provisions of the GDPR and in accordance with the Act of 10 May 2018 on the protection of personal data.
5. Provision of personal data by the User is voluntary but is a condition for registration of a User Account on the Service.
6. The User may contact in matters of protection of their personal data and exercise of their rights by e-mail: kontakt@naszekspert.pl, or in writing to the Service Provider’s registered office address.
1. Unless otherwise specified, the Service Provider is the sole holder of economic copyrights or other intellectual property rights or is the licensee of economic copyrights or other intellectual property rights that are published on the Service or that have been used to create it. These rights are protected by applicable law. Works or other intellectual property rights, including trade marks, published on the Service by Experts belong to those persons. The Service may, where appropriate and at its discretion, remove or prevent access to content or materials which in the Service’s assessment may infringe the intellectual property rights of third parties.
2. Rights to the Service, including economic copyright, intellectual property rights to its name, internet domain, as well as to forms, legal documents, logos, product marks, text, graphics and other content posted by the Service belong to the Service Provider, and use thereof may only take place in the manner provided for by law and the Terms.
3. Copying, reproducing, modifying, duplicating or disseminating any part of the Service Shop without the prior written consent of the Service Provider is prohibited, except in cases expressly permitted by law and the Terms.
4. The Service Provider may take steps, including court proceedings, to protect its interests. Use of the Service’s data for commercial purposes may take place only after obtaining written consent from the Service Provider.
1. In matters not regulated by the Terms, the provisions of Polish law shall apply, in particular the Civil Code.
2. The Service reserves the right to amend the provisions of these Terms for important reasons and in connection with changes to generally applicable law. The Service shall inform Users of any changes by posting information on the Service website and by e-mail to Users who have a User Account on the Service.
3. For the purposes of clause 2 above, the Service Provider considers important reasons to include in particular: (I) changes to policies and guidelines aimed at adaptation to current activity or countering abuse, (II) increased security of the Service, (III) change in the scope of Services provided, (IV) imposition of specific obligations on the Service, (V) changes to the law affecting the Terms or the Service’s activity.
4. The Service Provider does not guarantee that the Service or any of its content will always be available or will operate without interruption. The Service Provider reserves the right to suspend, withdraw or limit the availability of the whole or part of the Service for business, security or maintenance reasons.
5. Any disputes arising from the Terms and in connection with the Services in relation to Users who are consumers or entrepreneurs acting as consumers (hereinafter collectively: Consumer) shall be resolved by the common courts having jurisdiction pursuant to the provisions of the Code of Civil Procedure. Any disputes arising from the Terms and in connection with the Services in relation to Users who are not Consumers shall be resolved by the common court having jurisdiction by reference to the Service Provider’s registered office.
6. These Terms in version 1.0 enter into force on 16 March 2026.
