1. The Internet service under the name NaszEkspert.pl is available at 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 and Conditions set out the rules for use of the Service by Experts, including the rights and obligations of Experts and the Service Provider.
4. Contact with the Service Provider is possible:
5. The Expert Terms and Conditions supplement the Service Terms and Conditions and are binding on every Expert.
6. Acceptance of the Terms and Conditions is voluntary but necessary in order to create and maintain an Expert account, as well as to use the selected functions of the Service, described in detail in the remainder of the Expert Terms and Conditions.
7. The Terms and Conditions are made available free of charge in a manner enabling the Expert to read their content, to store their content by printing, saving or downloading to an external medium, and to read the current version and previous versions.
8. The Service acts 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 the consequences of financial decisions taken by Users.
9. The Service Provider provides only technological tools and does not interfere in Expert–User relations. Experts work independently (on their own account) and are in no case 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 a service agreement with the Service Provider and registered in the Expert Portal. Credit Expert credentials are verified by the Service Provider. A Credit Expert is a natural person conducting business, holding 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 consultation booking with the Expert via the Internet, and in some cases – at the Expert’s discretion – requiring payment for the consultation to be made outside the Service.
4. Expert Account – an electronic service; an entry in the Service database relating to the Credit Expert, from which the possibility of access to specified Services arises; a set of resources in the Service Provider’s IT system designated by an individual name (login) and password created by the Expert, enabling the Expert to use specified Service functionalities. The Expert gains access to the Account by means of login and password.
5. Ranking Criteria (Ranking) – Search result ranking determines the order in which the Expert or Services are displayed to the User when searching the Service. The Service Provider uses algorithms to determine the order in which search results are displayed to the User, making it possible to display Experts in an order corresponding to the User’s specific needs. There are a number of different factors that affect search result 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 the Credit Expert, via a link after using Services offered by the Expert (the link may be shared directly by the Expert) or via the appropriate form available on the Service.
7. Expert Profile – a set of information about the Expert placed on the Service in the form of a Service subpage with a unique URL address.
8. Credit Expert Terms and Conditions – these terms and conditions. They define the rights and obligations of Experts and the Service Provider.
9. Review Terms and Conditions – define the rules for posting, publishing and moderating reviews on the Service. The Review Terms and Conditions supplement the Service Terms and Conditions and the Expert Terms and Conditions. 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 present reviews from external services, portals or other sources. Details are set out in the Review Terms and Conditions.
10. Service Terms and Conditions – the terms and conditions for the provision of electronic services by the Service Provider to Users. They define the rights and obligations of the User and the Service Provider. Details are set out in the Service Terms and Conditions.
11. Expert Registration – the process of creating a Credit 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 review platform, consultation booking platform and secure cooperation between Users and Experts. The Service is a technological tool enabling contact with 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, relating to User activity in respect of the Expert Profile, in particular comprising:
Statistics are for information 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 making an online consultation booking, 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 assigned in the remainder of the Terms and Conditions. The Service Provider provides Services to Users on the basis of the Service Terms and Conditions and to Experts on the basis of these Expert Terms and Conditions. The provision of electronic services 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 and Conditions.
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 the Expert questions or (IV) has added a review of the Expert using an e-mail address. Furthermore, User also means any natural person using or browsing the Service. The term varies depending on context and includes persons who may read or write reviews posted on the Service, publish questions to Experts, book appointments with Experts or seek potential Experts for cooperation.
1. Minimum technical requirements of the Expert’s device enabling full and correct use of the Service:
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 to Experts. 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 services and portals to which the Expert may be redirected when using links placed on the Service.
4. The Expert may not 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 User or third parties.
5. The Expert may not, without the Service Provider’s consent, download the content of databases available on the Service for the purpose of reusing them for commercial or other activity conducted by the Expert, if this would infringe the Service Provider’s interest.
6. The contact point designated in § 1(4)(a) of the Terms and Conditions 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 state authorities in matters of illegal content.
7. Content inconsistent with the Terms and Conditions includes, inter alia, content discriminating against certain social groups, content commonly regarded as offensive and content infringing the provisions of the GDPR and the Personal Data Protection Act. Publication of content inconsistent with the law or good practice is prohibited. Where infringements 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 appeal procedure offered by the Service complies 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.
1. An Expert wishing to apply to use the Service for purposes related to professional activity is obliged to: (I) hold an entry in the appropriate KNF register, (II) hold professional indemnity insurance and (III) operate on the basis of a contract with a bank or financial institution.
2. Creation of an Expert Account requires: (I) applying to the Service Provider for access to the Service, (II) delivery of the data required by the Terms and Conditions and (III) creation of an Expert Profile together with the provision of basic information about the Expert.
3. The Service Provider requires Experts applying to create an Account on the Service to provide information that is accurate, complete and true.
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 advisory activities. The Service Provider reserves the right to enter and edit the information provided.
5. Verification of Experts applying for access to the Service is carried out in two stages:
6. An Expert applying for access to the Service is obliged to deliver by electronic means data concerning their activity and a professional portrait photograph.
7. The Expert is obliged to update data, maintain a current availability calendar, including marking periods of unavailability.
8. Before publishing the Expert Profile, the Service shall verify the Expert’s professional credentials. Without fulfilment thereof, the Profile shall not be published.
9. The Service Provider periodically during the operation of the Profile carries out formal verification of the existence of the Expert’s entry in the appropriate KNF register. Verification on the basis of the KNF entry is purely formal and consists in checking publicly available registers. The Service may disclose the KNF registration number in the Expert Profile.
10. The Expert is obliged to inform the Service Provider without delay of any change in the status of the KNF entry, in particular removal, suspension or restriction.
11. The Expert may post only their own photograph enabling their identification. By posting a photograph on the Service, the Expert consents to the dissemination and public disclosure of their image. Deletion of the Expert Account does not affect the above consent. Posting photographs of other persons, as well as any graphic works (e.g. logos), is prohibited. Retouching of photographs is permitted by reason of the characteristics of the digital format, provided that it consists in the application of global correction that improves quality (e.g. saturation, contrast). Selective treatments for the purpose of adding or removing elements, combining several photographs or changing the original composition are not permitted. Posting photographs of a pornographic nature or inconsistent with the professional character of the Service is also prohibited. A photograph not meeting the above criteria may be removed by the Service Provider without warning and without the need to notify the Expert.
12. By posting photographs on the Service, the Expert grants the Service Provider a non-exclusive, unlimited in time, royalty-free licence to use the photographs worldwide, in fields of exploitation such as: analogue and digital reproduction, introduction into computer memory, introduction into computer or multimedia networks, distribution, rental, lease, public disclosure at a time and place chosen by the Service Provider, display, broadcast, rebroadcast, playback, placement of the photograph in databases, use of the photograph for the promotion of the Service Provider and presentation of the photograph on the Service. Deletion of the Account by the Expert does not affect the validity of the above licence.
13. The Service Provider has the right to refuse to publish information about the Expert, including the photograph, and to remove published information, where its untruthfulness is established.
14. The Expert bears sole responsibility for the accuracy and truthfulness of information concerning the entry.
15. One Expert may have only one Profile. Creation of an additional or shared Profile for several Experts is not permitted.
16. The Service Provider may restrict the visibility of or suspend the Expert Account in the event of User complaints, lack of response or infringement of legal provisions or the provisions of the Terms and Conditions.
17. Profiles infringing the provisions of the Terms and Conditions shall be removed by the Service Provider.
18. In cases of removal of the Expert Profile from the Service (regardless of the entity initiating the removal procedure: i.e. Expert / Service Provider) it should be borne in mind that search engines may need some time to register the removal of the Expert Profile URL from their search results. This means that the link to the Expert Profile may appear in their search results for up to 14 working days from the moment of removal by the Service Provider from the Service.
19. The KNF does not participate in the operation of the Service nor does it recommend Experts. Information on the KNF entry is for information only and does not constitute a recommendation or guarantee of quality of services.
20. The Service does not participate in the conclusion or performance of contracts between Users and Experts. The Service Provider is not liable for individual credit decisions or relations between Experts and Users.
21. The Service Provider does not guarantee a specific position in search results in the Ranking.
22. By posting an answer to a question on the Service, the Expert grants the Service Provider a non-exclusive, unlimited in time, royalty-free licence to use the content of the question, answer or part thereof worldwide, in fields of exploitation such as: analogue and digital reproduction, introduction into computer memory, introduction into computer or multimedia networks, distribution, rental, lease, public disclosure at a time and place chosen by the Service Provider, display, broadcast, rebroadcast, playback, placement of the answer in databases, use of the answer for the promotion of the Service Provider and presentation of the answer on the Service. Deletion of the Account by the Expert does not affect the validity of the above licence. When answering a private question, the Expert permits the Service Provider to anonymise and moderate the answer and to place and publicly present it on the Service.
1. Via the Service, the Service Provider provides Services to Experts, offering three types of packages.
2. After creation of an Expert Account, the Service Recipient offers Experts the possibility to choose one of the access packages:
Special conditions applying to Experts who have chosen the free package and have therefore not concluded a paid service agreement with the Service Provider. The Service Provider offers the following functions:
Under the free package, Users do not have the possibility to book online Consultations with the Expert.
Paid access, paid monthly by subscription, providing the Expert with additional Service functionalities offered by the Service Provider. The Service Provider offers the following functions:
Paid access, paid monthly by subscription, providing the Expert with additional Service functionalities offered by the Service Provider. The Premium package provides the broadest range of tools on the Service, including Profile highlighting within the Service. The Service Provider offers the following functions:
3. The Service Provider prohibits Advisers from providing contact details in fields not intended for that purpose (e.g. in experience descriptions).
4. Paid packages, i.e. the Medium Package and Premium Package, are paid by the Expert in the form of a monthly subscription (subscription automatically renewed each month). With each of the packages offered to Experts on the Service there is a detailed description of all possibilities and available tools and the applicable price.
5. The Service Provider permits the introduction and application of trial and promotional periods within the Service. Details are each time described on the Service, in a place visible to the Expert.
6. The conditions relating to the packages offered may vary depending on the city (so-called package regionalisation).
7. Conclusion of the service agreement takes place in respect of Experts after verification of the Expert’s entry in the KNF and activation of the Expert Account.
8. The contract is concluded at a distance, without the simultaneous physical presence of the parties. The contract is concluded for an indefinite period.
9. Logging in to the Expert Account takes place by means of functionalities made available by the Service Provider.
10. Sharing the Expert Account with unauthorised persons is prohibited.
11. The Expert may terminate the service agreement by submitting notice of termination using the Service functionality by ticking the appropriate checkbox in the Expert Profile (i.e. cancelling the subscription in the system). A 1-month notice period applies, with effect at the end of the calendar month.
12. The Service Provider reserves the right to terminate the service agreement where the Expert’s conduct is inconsistent with the law, the Expert Terms and Conditions or is detrimental to the image of the Service, or infringes the dignity, integrity or good name of the Service or other persons. Termination takes effect immediately.
13. The Service Provider makes available the e-mail address: kontakt@naszekspert.pl for sending enquiries and complaints. A complaint may be submitted within 14 days of the day on which the given Service to the Expert was or should have been performed. Complaints shall be considered within 14 working days of submission of the complaint by the Expert. The complaint must in particular contain the subject of the complaint and the circumstances justifying it. Complaints containing content that is offensive or vulgar towards the Service Provider shall not be considered. In the event of failure to meet the time limits for performance of due diligence, the complaint shall not be upheld.
1. The Service Provider makes available the following payment methods for access to paid packages: payment via an electronic payment system (fast online transfer, BLIK, payment card). Where BLIK payment is chosen – the Service Provider will send a notification; for other payments – payments will be automatically renewed).
2. Any complaints concerning fast electronic payments may be submitted by the Expert directly to the payment operator.
3. In the event of non-receipt of the Expert’s payment by the Service, the Service Provider may contact the Expert 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 made not being accepted.
1. The Expert bears full responsibility for their actions, and 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. The Service Provider is merely an intermediary and provider of technical services, supporting the establishment of contact between Users and Experts.
3. This means that it is the Expert chosen by the User, and not the Service Provider, who is responsible for providing any Services to the User.
4. Experts may send messages directly to Users via the Service, and the Service Provider bears no liability for such messages.
5. Any arrangements, conversations, bookings or contracts concerning the provision of advisory services, assistance or procedures 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. Taking this into account, the Expert acknowledges and accepts that 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. Furthermore, it is the Expert’s obligation to verify the identity of Users, and the Service Provider bears no liability in this regard.
8. 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 appropriate liability exclusions and limitations applicable to intermediary service providers under the applicable provisions apply.
9. The Expert acknowledges that 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 such advice as has been published on the Service, (II) the Expert’s actions or omissions, including any erroneous or misleading message or information provided by the Expert, (III) any payments made by the User to the Expert as remuneration for their services.
10. The Service Provider is not liable for unauthorised access to the Expert Account as a result of third parties obtaining access to the password. In the event of suspected possible disclosure of the password to third parties, the Expert undertakes to change the password without delay or to contact the Service Provider for this purpose. Where the Service comes into possession of information on unauthorised access to the Expert Account, the Service may for security purposes reset the Expert Account password and log the Expert out from all devices.
11. The Service Provider is not liable to the Expert for any failure of the Service or unavailability of Services or delay in the performance of any of the obligations arising from the Service Terms and Conditions or Expert Terms and Conditions which are caused by circumstances or events beyond the Service Provider’s reasonable control.
12. The Service Provider is not liable to the Expert, their employees, subcontractors, authorised representatives or agents for damage, including loss of profits, unless the damage was caused intentionally. In any case of establishment of liability, that liability towards the Expert, regardless of its legal basis, is limited – both in respect of a single claim and for all claims in total – to the value of the 1-month subscription under the medium package and covers only actually incurred damage.
1. The Expert is a separate controller of personal data.
2. The Administrator acts as a processor.
3. The principles of personal data protection 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 Experts’ personal data is carried out in accordance with the provisions of the GDPR and the Act of 10 May 2018 on the protection of personal data.
5. The provision of personal data by the Expert is voluntary, but is a condition for registration on the Service.
6. The Expert 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 solely entitled to the economic rights in copyright or other intellectual property rights, or is a licensee of economic rights in copyright or other intellectual property rights, which are published on the Service or which have been used to create it. These rights are protected by the applicable provisions. Works or other intellectual property rights, including trade marks, published on the Service by Experts belong to those persons. The Service may in appropriate cases 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. The rights to the Service, including economic rights in copyright, intellectual property rights to its name, internet domain, as well as to forms, legal documents, logos, product marks, text, graphics and other content placed on the Service 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 and Conditions.
3. Copying, duplicating, modifying, reproducing or disseminating any part of the Service without the prior written consent of the Service Provider is prohibited, except in cases expressly permitted by law and the Terms and Conditions.
4. The Service Provider may take steps, including court proceedings, to protect its interests.
5. Use of Service data for commercial purposes may take place only after obtaining written consent from the Service Provider.
1. In matters not regulated in the Terms and Conditions, the provisions of Polish law shall apply, in particular the Civil Code.
2. The Service reserves the right to change the provisions of these Terms and Conditions for important reasons. The Service shall inform Experts of any changes by placing information on the Service website and in the form of an e-mail message.
3. For the purposes of clause 2 above, the Service Provider regards as important reasons inter alia: (I) changes to policies and guidelines aimed at adaptation to currently conducted activity or prevention of 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 in the law affecting the Terms and Conditions 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 restrict the availability of the whole or part of the Service for business, security or maintenance reasons.
5. In the event of disputes arising between the Expert and the Service Provider, the court with local jurisdiction for the Service Provider’s registered office shall have jurisdiction to resolve disputes.
6. These Terms and Conditions in version 1.0 enter into force on 16.03.2026.
