1. The NaszEkspert.pl website at www.naszekspert.pl and its subpages enables Users to add reviews of Mortgage Experts.
2. These Reviews Terms set out the rules for posting, publishing and moderating Reviews on the Service.
3. The Reviews Terms supplement the Service Terms; terms capitalised in these Reviews Terms are defined in the Service Terms.
4. Reviews published on the Service relate to Users’ experiences from contact or cooperation with Experts via the Service or from contact or cooperation with an Expert outside the Service.
5. The Service does not publish, import or display Reviews from external websites, portals or other sources.
6. Reviews are valuable information for other Users and help Experts build their desired image.
7. 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, Poland, NIP: 8971893967, REGON: 389522620 (Service Provider).
8. Acceptance of the Reviews Terms is voluntary but required to use the Service – i.e. to use the function of adding a Review about an Expert.
9. The Service Provider only provides the technological tool and does not interfere in the Advisor–User relationship. Advisors work independently (on their own account) and are not employed by or working for the Service Provider.
10. In all matters not covered by the Reviews Terms, the provisions of the Service Terms shall apply.
11. For questions, contact the Service Provider by:
1. Within the Service, the Service Provider enables the User to post, store and disseminate their Review in the areas designated for posting and disseminating Reviews by Users.
2. Adding a Review is entirely voluntary and depends solely on the User’s will.
3. The User must leave the Review in Polish, in a manner understandable and legible to the average recipient.
4. The Service Provider informs that Reviews may be added by Users who have been in contact with an Expert via the Service or had contact with an Expert outside the Service. In some cases Reviews relate to services provided with an Expert via the Service. In other cases Reviews are added by Users who used an Expert’s services outside the Service (e.g. did not make a booking or have a remote consultation via the Service, or use the Service chat).
5. A User may add a Review in the following ways:
6. In each case referred to in point 5 above, a User may submit a review of an Expert only after logging into their Account on the Service.
7. The User may be asked to provide a comment and a star rating from 1 to 5 as a scale of satisfaction with the Expert’s services.
8. When writing a Review, the following rules must be observed:
9. The User may at any time withdraw from posting a Review on the Service or remove it, either by refraining from posting or by contacting the Service Provider to have it removed if self-removal is impossible or significantly difficult.
10. The Mortgage Expert has the right to respond to the User’s review publicly. The response should be factual, courteous and in compliance with the law.
1. The Service Provider does not verify the truthfulness of Reviews published by Users.
2. The Service Provider is not obliged to publish Reviews on the Service and is entitled to remove them when justified under the rules set out in the Reviews Terms.
3. Reviews submitted to the Service are moderated. Moderation may result in refusal to publish, hiding or removal of the Review. The Service Provider is not obliged to justify moderation decisions.
4. If the Service Provider finds that a Review does not comply with the rules and the Reviews Terms or Service Terms, it may contact the User and explain what can be improved for the Review to be published. After corrections, the Review may be posted on the Expert’s Profile and the Expert receives notification of the posting.
5. A Review should describe only the author’s own experiences. An exception is a User who is elderly or disabled and unable to add a review themselves; in such a case a carer may add the Review.
6. A Review should be written with respect for the other person. The Service Provider does not allow offensive reviews or the use of ironic or vulgar language.
7. A Review should not question the Expert’s qualifications or contain accusations of serious negligence not confirmed by a final court judgment.
8. The Service Provider may publish all Reviews, both positive and negative, provided they comply with these Terms.
9. The Service Provider is entitled to eliminate dishonest Reviews. The Service’s moderation system is based on filters that may eliminate any dishonest content.
10. Reviews undergoing re-verification may sometimes disappear (both positive and negative) from the Expert’s Profile if they are identified as suspicious. This is because verification is an ongoing process.
11. If the Service Provider does not publish a Review submitted by a User because it contains illegal content or is contrary to the Terms, the Service Provider may send the User a justification for the decision not to publish.
1. The User bears full and exclusive responsibility for the content of the Review they left on the Service and for its legal and factual effects, including damage and third-party claims.
2. The User is entitled and obliged to notify the Service Provider without delay of any violations they notice.
3. The Service Provider will take immediate action to remove violations.
4. The Service Provider is not liable for the content of Reviews published by Users. The detailed scope of the Service Provider’s liability for actions taken on the Service is set out in the Service Terms.
1. The Service Provider endeavours to ensure that Reviews on the Service are reliable and that the process of leaving them is intuitive for the User.
2. The User is entitled to lodge a complaint in the event of malfunction of the process of leaving or verifying Reviews on the Service.
3. A complaint should contain data enabling identification of the User (name, e-mail address), subject of the complaint (e.g. type and date of the irregularity) and claims related to the complaint.
4. If an incomplete complaint is received, the Service Provider will ask the User to complete it.
5. The complaint should be sent to the e-mail address or address of the Service Provider given in these Terms.
6. The Service Provider will respond to a complete complaint within 14 days of receipt and inform the User of further steps by e-mail to the complainant or in the same way the User made contact, or another method agreed with the User.
7. The Service Provider will process the User’s personal data for the purpose of handling the complaint in accordance with the Privacy Policy and Service Terms.
1. By leaving a Review on the Service, the User declares that it is the product of their creative activity and does not infringe third-party rights.
2. By publishing a Review on the Service or on other services, the User grants the Service Provider a non-exclusive, non-transferable, unlimited-in-time licence to use, disseminate, modify and copy the content of the Review, without territorial restrictions, in whole or in part, with the right to grant sublicences, on the following fields of use:
1. The User’s personal data provided in the Review form will be processed on the basis of the User’s consent, i.e. Art. 6(1)(a) GDPR. The detailed rules for collecting, processing and storing personal data used for publishing Reviews are set out in the Privacy Policy and Cookie Policy.
2. The Service Provider reserves the right to amend the Reviews Terms on the principles set out in detail in the Service Terms.
3. These Reviews Terms version 1.0 enter into force on 16 March 2026.
