Terms of Use

These Terms of Use govern your access to and use of the website samake-jutumi.info and any materials, resources, or workshop content made available through it by Samake Jutumi, located at Dworcowa 11, Koszalin, Poland. By accessing or using this website, you acknowledge that you have read these terms and agree to be bound by them. If you do not agree to these terms, you should not use this website. These terms are governed by the law of the Republic of Poland and are to be read in conjunction with our Privacy Policy and Cookie Policy.

A. Nature of the Website and Its Content

The samake-jutumi.info website is operated for informational and educational purposes. The content published on this website, including descriptions of the household budgeting workshop, template guides, resource articles, and all other written material, is provided to describe the educational services offered by Samake Jutumi. Nothing on this website constitutes financial advice, investment advice, tax advice, or any other form of regulated professional advice. The workshop content is educational in nature and is designed to help individuals understand general principles of household budgeting. It is not tailored to the financial circumstances of any individual and should not be treated as a substitute for professional financial guidance where such guidance is appropriate.

The information provided on this website is believed to be accurate at the time of publication. However, Samake Jutumi makes no representations or warranties, express or implied, as to the accuracy, completeness, or currency of any content. The website and its content are provided on an "as available" basis without any warranty of any kind. Samake Jutumi reserves the right to amend, update, or remove content at any time without notice.

B. Acceptable Use

You may access and use this website for personal, non-commercial purposes in accordance with these terms. You agree not to use this website in any way that is unlawful, harmful, or that could interfere with its normal operation. Specifically, you agree not to attempt to gain unauthorised access to any part of the website or its underlying systems, not to transmit any malicious code or harmful software, not to use automated tools to scrape, harvest, or index content without written permission, and not to reproduce or redistribute workshop content or templates for commercial purposes without the prior written consent of Samake Jutumi. Permitted personal use includes reading, downloading, and using the templates provided for your own household budgeting purposes.

C. Intellectual Property

All content on this website, including text, images, templates, video lesson content, graphic elements, and the overall design and structure of the site, is the intellectual property of Samake Jutumi or its licensors and is protected under Polish copyright law (Ustawa z dnia 4 lutego 1994 r. o prawie autorskim i prawach pokrewnych, Dz.U. 1994 Nr 24 poz. 83, as amended) and applicable EU intellectual property law. The templates provided as part of the workshop are licensed for personal household use only. This licence does not permit redistribution, resale, modification for commercial purposes, or incorporation into other educational or commercial products. Any use beyond personal household budgeting requires prior written consent from Samake Jutumi.

D. Third-Party Links and Content

This website may contain links to external websites or resources for informational purposes. Samake Jutumi does not endorse, control, or take responsibility for the content, accuracy, or practices of any third-party websites. Links are provided as a convenience only. Accessing any linked website is at your own risk and is subject to the terms and conditions of that website. The inclusion of a link does not imply any commercial relationship or endorsement between Samake Jutumi and the linked site.

E. Limitation of Liability

To the fullest extent permitted by applicable Polish law, Samake Jutumi shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of or inability to use this website or its content. This includes but is not limited to any financial decisions made in reliance on the educational content of the workshop or this website. Polish consumer protection law (Ustawa z dnia 30 maja 2014 r. o prawach konsumenta, Dz.U. 2014 poz. 827) may grant rights that cannot be excluded by contract, and nothing in these terms is intended to limit those statutory rights.

F. Amendments to These Terms

Samake Jutumi reserves the right to revise these Terms of Use at any time. The date shown at the top of this page reflects the date of the most recent revision. Continued use of the website following any amendment constitutes your acceptance of the revised terms. It is your responsibility to review these terms periodically. If you have questions about any aspect of these terms, please contact us at [email protected] or in writing to Dworcowa 11, Koszalin, Poland. Disputes arising from these terms shall be subject to the exclusive jurisdiction of the competent courts of Poland.