Skilmálar þjónustu

In brief, or what you should know before starting a Fundraiser.

1. How does 4fund.com work?
   
   4fund.com is a tool that enables you to raise funds for almost any purpose. With the support of other users of our site, you can collect donations to achieve your goals.
   
   Using our website is free of charge. We do not impose any commission on deposits or withdrawals nor any fee on creation and functioning of your Fundraiser. We will, however, ask you and your Supporters to make a small optional donation to our account when making transfers to or from a Fundraiser. You will be able to freely adjust the amount of said donation or refrain from making it if you just don’t feel like supporting us. Premium options, such as promoting your Fundraiser on our website, are the only services for which we impose mandatory fees.
   
   It is important that you state clearly what the purpose of your Fundraiser is - if you describe it in detail, you will get more interest from the Supporters who will know exactly what they are donating for. Besides, when collecting donations, you enter an agreement with your Supporters, so it is important to specify its terms. Even if you offer no nothing in return for the donations, the description of your Fundraiser will tell your Supporters how you are going to use the raised funds and they may expect you to act as you promised.
   
   
2. Account verification - when can you start collecting donations?
   
   We act as a licensed payment services provider. To provide such services we need to comply with the applicable anti-money laundering and countering the financing of terrorism regulations. This requires us to verify the identity of our customers before we give them the option to raise money on our Website.
   
   We have done our best to make this process as quick and easy as possible. To verify your identity you will just need a valid National Identity Card, Passport or Residence Permit issued in one of the  European Economic Area countries. Once you fill in your personal data in the identification form on our website, you will be directed to a widget provided by our partner - Onfido limited with its registered office in Great Britain. It will guide you through the identity verification process that should take no longer than 5 minutes.
   
   In order to withdraw the funds gathered on your Fundraisers you will also need a Mastercard or VISA payment card or a bank account held for you in a bank based in one of the EEA countries. After your identity is verified, and before the first withdrawal, you’ll need to provide the details of your card on a secure site, where you will verify your card, or alternatively, make a payment of 0.1 EUR (automatically returned to you after verification) to a bank account number and using the transfer data provided to you on the screen. After a payment card is assigned to your 4fund.com account, all withdrawals will be made to the bank account of the card, in near-real time thanks to the VISA Direct ® and Mastercard Send ® solutions, or by a bank transfer to your bank account assigned to your 4fund.com account. If you add both methods of withdrawals, you will be able to choose which one to use each time you withdraw the funds from 4fund.com.
   
   Important! Please check in advance if your bank supports the VISA Direct ® or Mastercard Send ® solution - in the case of some banks, they might be currently unavailable, which will make withdrawals impossible. If your bank does not support VISA Direct ® and Mastercard Send ® solutions yet, we recommend that you acquire a payment card from a provider that does, such as e.g. ZEN, before you decide to withdraw the funds you collected with us.
   
   There are a few ground roles for a 4fund.com account:
   
   
   1. Only natural persons can open an account by using our standard online registration and verification. If you represent a legal person or other entity, you may contact us at or by using a special form available in the registration process and verification process and we may decide to open an account for it. If we do so, we will guide you through the onboarding process. Please note that the following Regulations directly apply only to accounts of natural persons. For legal persons or other entities, their provisions may be applied differently and we may further specify the terms of use of the Website in a separate agreement.
   2. To create a 4fund.com account, you must be a resident of one of the European Economic Area countries. You will also need to be a holder of Mastercard or Visa payment card issued in one of the European Economic Area countries by a financial institution that supports the VISA Direct ® or Mastercard Send ® solution to withdraw the funds collected on your Fundraiser or a bank account held for you in a bank based in one of the EEA countries;
   3. One person can only hold one 4fund.com account. You can, however, organise as many Fundraisers as you like;
   4. An account may only belong to one person. We do not offer shared accounts. You are also not able to transfer your account to someone else;
   5. Only one card and only one bank account can be assigned to your 4fund.com account at a time. You may change the card linked with your 4fund.com account, though there is a limit of no more than 3 such changes in 30 days.
   
   
3. Fundraiser’s purpose verification
   
   We attach great importance to the security and reliability of Fundraisers that are organised on our site. We believe that Supporters have the right to know that when they donate to a specific Fundraiser, their money will be spent exactly as its description states. Therefore, we have introduced procedures of Fundraisers’ verification.
   
   In this process we will ask you to provide the documents that will prove that the purpose of your Fundraiser and any relevant information you provide in its description are true. Any Fundraiser may be subject to verification at any time. Verification is mandatory if the sum of the collected funds exceeds 5.000 € on one Fundraiser or the overall sum collected on all your Fundraisers exceeds 12.500 €. From the moment we start the verification, until this procedure is completed, you will not be able to withdraw the funds from your Fundraiser. Please remember to keep all the invoices, transfer confirmations, or any other relevant documents.
   
   The documents we will ask you to provide depend on the purpose of the Fundraiser and the circumstances stated in its description. For example, if you are fundraising to gather money for treatment, you should be able to provide the documents to prove the medical condition that you describe. If, after you've made withdrawals from your Fundraiser, any suspicions arise regarding the actual spending of the funds, we may also ask you to provide us with documents that will show how the money was spent.
   
   You will be able to upload all the required documents as scans or photographs directly at your User Profile on 4fund.com. Our employees will guide you through the verification process and will remain at your disposal for any questions you may have.
   
   It is important that you regularly check the inbox of an email that you have provided us. If we start the verification process and don’t get the required documents from you in 14 days, we may stop your Fundraiser and return its balance back to the Supporters.
   
   
4. What can you fundraise for and what is forbidden
   
   On 4fund.com you can fundraise for almost anything, as long as it remains within the boundaries of law. You can gather money for charity, as well as for your private goals. We do not judge your Fundraiser’s purpose based on political or social beliefs and it is not up to us, but to your Supporters, to decide whether it is worth donating for.
   
   Still, there are some activities that are prohibited on 4fund.com:
   
   
   1. You may not fundraise for any purpose that would be illegal in your country or in Poland (the country of our registered office). Polish law does not prohibit most Fundraisers' purposes, but with one notable exception - you may not fundraise to cover fines or bail imposed in the criminal proceedings.
   2. The purpose or the description of your Fundraiser may not endorse, support or promote hatred, violence, discrimination, terrorism, fascism or other totalitarian regimes, or publicly condone crimes.
   3. You may not harm, slander or defame anyone through your Fundraiser. This applies both to your Fundraiser’s purpose and its description. You may fundraise to finance legal proceedings against someone (e.g. to pay lawyers fees), but if you indicate any circumstances that may defame someone in the description of your Fundraiser, and that someone raises objections to us, you will have to prove that what you write is true with an appropriate official document (e.g. a relevant court judgment). Remember that 4fund.com is neither a court of law nor a place of dispute resolution.
   4. You may not fundraise to buy weapons (regardless of legality of such purchase).
   5. You may not fundraise to finance gambling, prostitution or pornography (regardless of legality of such activities).
   6. You may not use 4fund.com to finance or spread misinformation or fake news. If we find what you write in your Fundraiser’s description doubtful, we will need you to prove it. Keep your Fundraiser’s description true and verifiable.
   7. You may not offer shares in companies for donating to your Fundraiser or construct a Fundraiser where the donations would be treated as loans to you from your Supporters.This is because we are a donation-based crowdfunding site, not an equity crowdfunding one - if your business plan includes such a solution, we suggest you use a specialized site.
   8. You may not Fundraise for paramilitary organisations or other organisations that would act in fields that are restricted to state authorities;
   9. You may not fundraise to support the Russian Federation or any other sanctioned country or region;
   10. You may not fundraise to finance any project that is subject to an applicable permit (licence, concession etc.) that you do not possess.
   11. You may not fundraise for the purchase of alcohol, tobacco products, narcotics, or any other intoxicating or addictive substances.
   
   
   Remember, you must hold full rights to all photos and other content that you upload to your fundraisers, allowing us to use them to present and promote the fundraiser in accordance with the Privacy Policy. In particular, you may not post third-party images without the author’s consent (that would include the consent to our further use of the images for advertising).
   
   
5. Liability
   
   As an Organiser of a Fundraiser, you are solely responsible for all the obligations that arise from it. You are the one that has to ensure the collected funds are used for the purpose stated in the Fundraiser’s description, and it is up to you to deliver the subject of any Offers to the Supporters if you made them. You are also obliged to assess and fulfill any tax duties that arise from the donations you acquire.
   
   Any agreement that is struck by the fact of organising and supporting a Fundraiser (including agreement concerning any Offers that you have made) is concluded between you and your Supporters. We do not become a party to such an agreement and therefore we bear no liability for meeting the purpose of a Fundraiser or fulfillment of other obligations by the Organiser.
   
   Although we do our best to prevent fraudulent Fundraisers, we offer no guarantee that a specific Fundraiser will not turn out to be a fraud. We might (and will) report any confirmed frauds on our site to the competent authorities, and - unless otherwise instructed by such authorities - return the Donations back to the Supporters up to the current balance of a Fundraiser. We bear no responsibility for restitution of funds that the perpetrator has already managed to withdraw from their Fundraiser’s Account, however.
   
   If you are considering supporting a Fundraiser but have doubts about its reliability, you can always contact the person organising it by clicking the “Contact the organiser” button on their Organiser’s profile and ask for further explanations.
   
   If you suspect or have information on a fraud or other abuse on a Fundraiser, please report it to us. If you have any specific first-hand information on the situation, or are in possession of documents that might help to prove the abuse, include them in your report. We take all abuse reports seriously and if the report raises suspicion on the actual abuse, we always start our verification procedures and block the withdrawals until they are done.
   
   
6. Fundraisers for the Beneficiary
   
   On 4fund.com you may fundraise for your own purposes as well as to help someone else. If your Fundraiser is organised to help realize someone else’s goals - e.g. to fund treatment for your relative, to help a victim of a house fire, or to donate to a specific charity organization, we call the person that will ultimately benefit from your Fundraiser ‘the Beneficiary’. Both individuals and organizations can become Beneficiaries.
   
   You will need the Beneficiary's written approval to organise a Fundraiser for them, as well as their consent to you providing us with their personal data and documents for the Fundraiser’s verification procedures. This should come with a scan of the Beneficiary’s ID (ID of a representative authorized to grant consent on behalf of the organization in the case of legal persons). You will find an applicable form of Beneficiary’s consent on our website.
   
   If we start the verification procedure of your Fundraiser, we will ask you to provide the Beneficiary’s consent in addition to the standard set of documents needed to prove the veracity of the Fundraiser's description. In order to avoid problems, you should acquire them before you start the Fundraiser and keep them at hand.
   
   Obtaining and maintaining the Beneficiary’s consent and documents is your duty as an Organiser of a Fundraiser. Therefore, you will not be able to finish the Fundraiser’s verification process if you don’t have them, which might ultimately result in your Fundraiser being stopped and the gathered funds returned back to the Supporters.
   
   Even if you organise a Fundraiser for a Beneficiary, you are still our customer and the only person that has a legal agreement with us. The Beneficiary is not entitled to demand that we transfer the funds gathered on the Fundraiser directly to them and is not treated as the funds’ owner. The conditions upon which you will transfer the funds to the Beneficiary or use them to support their goal should be agreed between you two. However, the Beneficiary may report to us that the funds might have been misused, in which case you will be asked to prove how you spent them.
   
   
7. Offers and Auctions
   
   On 4fund.com you may make Offers to your Supporters in return for their Donations. This is entirely optional - your Fundraiser may also be based on a pure donation model. It may make your Fundraiser more popular, enable you to treat your Fundraiser as a source of income for your work or as a place to sell the wares you offer, however.
   
   Any item, service or intangible asset that the Organiser undertakes to provide to the Supporter in exchange for a Donation in a fixed minimum amount made to their Fundraiser can be an Offer (making the Donation, in fact, a payment for the Offer rather than a donation in strict meaning). If the Organiser makes any Offers on their Fundraiser, a Supporter may choose an Offer from the list and make a Donation in at least the minimum amount stated as the Offer’s price. A contract is struck between the Organiser and the Supporter, the subject of which is the transfer of the purchased Prize to the Supporter.
   
   We are not a party to the agreement concluded between the Supporter and the Organiser who made the Offer and are not responsible for the delivery of the promised subject of the Offer. If the Supporter informs us that the Organiser has failed to fulfill their obligation, we may, however, ask the Organiser to provide us with a relevant proof of delivery. In such an instance, if we do not receive it or it raises doubts, we may provide the data of the Organiser to the Supporter in order to enable them to pursue their claims outside 4fund.com. We may also block or delete the User Account of an Organiser who fails to fulfill their obligations towards the Supporters who bought the Offers.
   
   Offers may be made at the "Buy Now" option, where the Organiser indicates the minimum amount for which the Offer can be purchased (it is possible to purchase the Offer and support the Fundraiser with an amount higher than the minimum payment amount set by its Organiser making the Offer), or offered on an Auction.
   
   If an Offer is connected with an Auction, bids may only be submitted by logged in Registered Users. The User that has placed the highest bid to purchase the Offer until the Auction is over can claim the Offer. They have 24 hours to pay for the Offer by making a Donation to the Fundraiser in their bidding amount - if they do not do so, the Organiser may decide to sell it to the person who submitted the next highest bid.
   
   
8. Founders’ Offers
   
   Apart from the Offers made by the Organiser, Offers on their Fundraiser may be made by other Verified Users of our Website, as an alternative way of supporting a Fundraiser apart from making a Donation to it. Such Offers are called ‘Founders’ Offers’ and may be made only if the Organiser has enabled such an option for a given Fundraiser.
   
   Founders’ Offers work similarly to the regular Offers, and may be made at the ‘’Buy Now” option or on an Auction. When such an Offer is bought, two separate agreements are made - a sales agreement between the Founder and the buyer of the Offer, and a donation agreement between the Founder and the Organiser of the Fundraiser. The amount of payment for the Offer is transferred directly to the Fundraiser’s Account of a Fundraiser to which the Founder’s Offer was connected.
   
   
9. Donation Boxes
   
   Any Registered User can support chosen Fundraiser thanks to the Donation Box feature. A Donation Box allows Users to create a copy of an original Fundraiser created by the Organiser, and to add a custom description and title to their Donation Box. A Donation Box can be created for any Fundraiser unless the Organiser disables this feature for a specific Fundraiser(s). It is important to note that a Donation Box is not a separate Fundraiser - all funds collected on a Donation Box are directly transferred to the Fundraiser’s Account, making its Organiser the sole owner of the donations collected through your Donation Box. A Donation Box helps to identify a separate group of Supporters who make donations to the Organiser’s Fundraiser through a Donation Box. Creating a Donation Box allows you to support a selected Fundraiser and the Organiser will be informed of the funds collected through your Donation Box. This service is perfect for managing large Fundraisers (e.g. organised by charity foundations), where each Donation Box may indicate the amount of funds collected thanks to the efforts of each individual volunteer.
   
   

1. DEFINITIONS

   The terms used in these regulations have the following meaning:

   1. Auction - a way of selling the Offers in which Registered Users may submit bids on the Offer and the highest bidder is entitled to buy the Offer by making a Donation in his bidding amount in 24 hours after the Auction is over.
   2. Authentication code - a one-time authentication code used to authorize payment transactions.
   3. Content Creator - an Organiser who carries out creative, artistic, educational, scientific or public activities, and wishes to receive funds from their audience, whereby the Content Creator status on the Website is granted by us at the Organiser's request.
   4. The Beneficiary - any person (natural or legal) that is ultimately to benefit from a Fundraiser, but is not its Organiser.
   5. Digital Offers - Offers that consist of data which are produced and supplied in digital form (e.g. photos, movies, songs), that may be uploaded by the Organiser directly to the Website and downloaded by the Supporter who bought them.
   6. Donation Box - a service that allows Registered Users to support the Organiser by creating a copy of a Fundraiser where they can collect funds on their own behalf (identified by their first and last name) for the benefit of the Organiser.
   7. Donation Box’s Organiser - a Registered User who created a Donation Box for a selected Fundraiser.
   8. Donations - funds obtained by the Organiser from the Supporters for the implementation of the Project.
   9. EEA - European Economic Area, i.e. countries members of the European Union as well as Iceland, Liechtenstein and Norway.
   10. Fixed Beneficiary - an entity verified by us and listed on the list of Fixed Beneficiaries available on our Website for the benefit of which Fundraisers may only be created following the rules set in pt. 4.20-4.23 below.
   11. Founder - a Verified User making Founder’s Offers on Fundraisers organised by other Users.
   12. Founders’ Offers - Offers that are made on a Fundraiser by Verified Users other than the Organiser themself, where the amount of payment for the Offer is a Donation to the Fundraiser to which the Founder’s Offer was connected.
   13. A Fundraiser - a collection of funds created on the Website by the Organiser for the realization of the Project specified in the Fundraiser’s description.
   14. Fundraiser’s Account - a virtual payment account maintained by us separately for each Fundraiser organised on the Website, where the Donations are collected and made available for the Organiser’s withdrawal.
   15. Login - the User's e-mail address indicated by the User when registering on the Website, which also serves the User's identifier on the Website.
   16. An Offer - any item, service or intangible asset that the Organiser undertakes to provide to the Supporter in exchange for a Donation to their Fundraiser in a procedure stipulated in pt. 8.
   17. The Organiser - a User that has organised a Fundraiser.
   18. Organiser’s Bank Account - a bank account of the payment card assigned to the Organiser’s User Account and/or a bank account assigned to the Organiser’s User Account.
   19. Password - a unique string of at least 8 characters, including min. one capital letter and one number or special character, selected by the User during registration on the Website, which enables and secures access to the User Account.
   20. Project - any manifestation of business, coltural, scientific, social or private activity, for the implementation of which the Organiser collects funds via the Website;
   21. PSA - Polish Payment Services Act of August the 19th 2011, as amended;
   22. Registered User - a User that has registered a 4Fund.com User Account by stating their name and surname, providing and verifying an e-mail account and setting up a Password.
   23. Recurring Support - optional cyclical payments to a chosen Fundraiser made each month automatically from the Supporter’s payment card in a chosen amount.
   24. The Regulations - these regulations altogether with all their attachments.
   25. Supporters - Users of the Website who make Donations to the Organiser’s Fundraiser.
   26. User - any person of age using the Website.
   27. User Account - an account on the Website made available to the User, which is created automatically after completing the registration process on the Website. The User Account is created based on the Login and is secured with a Password.
   28. Verified User - a Registered User that has verified their identity as described in pt. 3.3 of these Regulations;
   29. we, our, us - Zrzutka.pl sp. z o.o., a limited liability company (spółka z ograniczoną odpowiedzialnością) with its registered office in Poland, al. Karkonoska 59, 53-015 Wrocław, with TIN (NIP) number 8992796896, entered into the Companies Registry (KRS) under the number 0000634168 acting as a payment services provider licensed by Polish Financial Supervision Authority (Komisja Nadzoru Finansowego) with license number IP48/2019;
   30. The Website - 4fund.com with all its subdomains;

2. GENERAL TERMS

   1. 4fund.com is a platform that allows Users to create and manage crowdfunding campaigns to raise funds for business, coltural, scientific, social, sales and private Projects.
   2. These Regulations define the terms and conditions of using the Website. The Regulations specify the rights and obligations of the Users as well as our rights, obligations and responsibilities, together with conditions for the provision of payment services by us. The regulations also constitute the basis for concluding contracts between the Users via the Website.
   3. The condition for using the Website is to carefully read the Regulations along with attachments and accept them. By selecting the option "I accept the Terms of use" during registration on the Website, the User declares that they have read the terms of these Regulations and that they are understandable to them and undertake to comply with their provisions.
   4. Creating Fundraisers is available to Registered Users only. In order to accept Donations on the Fundraisers and make withdrawals, it is necessary for the Organiser to complete the identity verification process stipulated in pt. 3.3 and to assign a payment card or a bank account to their User Account.
   5. We are an intermediary that enables the conclusion of contracts between the Supporter and the Organiser. Depending on the situation (whether there are any Offers on the Fundraiser), it is the conclusion of a sales contract or a donation contract between the Supporter and the Organiser. We are not a Party to such contract and take no responsibility for its execution, other than arising from the correctness of the payment services we provide. The contract’s terms are determined by the description of the Fundraiser, including any Offers or any other benefits in return for the Donations the Organiser might have offered.
   6. Any agreement between the Organiser and a Supporter is effective from the moment the Donation is received on the Fundraiser’s Account. The Fundraiser’s Organiser is regarded as an owner of all the funds gathered on Fundraiser’s Account.
   7. Our payment services are limited to providing Fundraisers’ Accounts and processing withdrawals from them. The terms of providing these services are further specified in Appendix 1 to the Regulations - the Framework Contract. Donation payments are processed by an external licensed payment services providers - PayU S.A. with its registered office in Poland or UAB ZEN.COM with its registered office in Lithuania.

3. ACCOUNT CREATION AND IDENTITY VERIFICATION

   1. In order to create a new 4fund.com account and become a Registered User, you need to fill in all the fields in the registration form available on the Website by stating your name, surname and email address, as well as setting a password. Once you confirm your email address by typing in a digit code we send you by an email, your User Account will be registered and you will be able to log in. The email you provide us with will be the primary form of communication between us and the address where you will be receiving digit codes needed for two-step verification of some transactions or actions on the Website.
   2. The name and surname you state on the registration form must be true and match the data we will later confirm in the identity verification process.
   3. To become a Verified User, you will need to complete an identity verification procedure by clicking the ‘Account verification’ button on your dashboard after logging in and following the steps indicated on the screen. You will need to fill in a slightly longer identification form where we will collect your data that we are obliged by law to identify, after which you will be redirected to an Onfido Ltd. widget where you will need to provide a photo of your identification document (EEA - issued National Identity Card, Passport or Residence Permit) and perform a short liveness check. The data that you provide in the identification form must match the data confirmed in the verification process - if the data differs, you will be unable to complete the verification. After Onfido Ltd. confirms your data, your account will be verified.
   4. The data you provide during the verification process must be true and your own. Using another person's data and/or documents in the verification process is prohibited and may be subject to criminal prosecution. If we become aware of the use of such data or documents, we may block the User’s Account and report the matter to the relevant authorities.
   5. Each User is allowed to have only one User Account, and each User Account may only belong to one individual. We may delete duplicate or shared accounts with no prior notice as well as take measures to prevent creation of such accounts.

4. ORGANISING AND SUPPORTING FUNDRAISERS

   1. To create a Fundraiser, the Organiser must state its title, provide its description and state the sum needed to meet the Fundraiser’s purpose. The Organiser may also optionally add photos and make Offers on the Fundraiser.
   2. The purpose of the Fundraiser may not be illegal according to the Polish law as well as according to the law of the country of its Organiser’s residence. Regardless of the legality of such purpose, it is also forbidden to create Fundraisers:
      1. that promote, condone or support crimes, hatred, violence, fascism, totalitarianism, terrorism, discrimination, or infringe personal or intellectual rights of other person;
      2. that would finance the purchase of weapons;
      3. that would finance prostitution, pornography or gambling;
      4. that offer shares in companies as Offers or promise them in Fundraiser’s description;
      5. that would treat the Donations as loans from the Supporters to the Organiser;
      6. that would serve as a way of collecting payment for services or purchase of goods that are not clearly described in the Fundraiser’s description while the Fundraiser is falsely described as based on a pure donation model;
      7. to finance paramilitary organisations or other organisations that would act in fields that are restricted to state authorities;
      8. to support the Russian Federation or any other sanctioned country or region;
      9. to finance any project that is subject to an applicable permit (licence, concession etc.) that you do not possess;
      10. to forward spam messages or content.
      11. for the purchase of alcohol, tobacco products, narcotics, or any other intoxicating or addictive substances.
      If you organise such a Fundraiser we may delete it and return the Donations back to the Supporters, as well as suspend or delete your User Account.
   3. The description of the Fundraiser must be comprehensive enough to let us and the potential Supporters identify precisely what the funds are being raised for. Any circumstances stated in the description must be true and verifiable. It is forbidden to use derogatory language, leave the description blank or incomprehensive, as well as to insult or defame anyone while describing the Fundraiser’s purpose. It is also forbidden to instruct or encourage your Supporters to refrain from making a separate donation to us while donating to your Fundraiser. You bear full responsibility for any violations of law (including, but not limited to: posting unlawful content, using false personal data, infringement of personal or intellectual property rights, or the disclosure of confidential information) or damage resulting from your actions on the Website. You may only post content to which you hold full rights. By posting it on our Website, you grant us unrestricted rights to use, manage, and publish such content, including for promotional and informational purposes (in accordance with the provisions of the Privacy Policy), and you guarantee that such content is free from third-party claims. We may temporarily block your Fundraiser and ask you to change such a description within a specified time, after which we may delete your Fundraiser if you don’t comply. In the case of obvious or drastic violations, we may also delete your Fundraiser without prior notice and delete or suspend your User Account.
   4. We may provide automated, AI-based tools on the Website to help the Organiser generate a description of their Fundraiser in accordance with their instructions. In such a case, the Organiser has the ability to freely adjust, change or modify the machine-generated description. Using these tools is only intended as an aid in formulating the description and in no way waives the Organiser’s responsibility for the Fundraiser’s description being compliant with the Regulations, particularly pt. 4.3. above. The Organiser is obliged to duly check and - if necessary - modify the description before accepting it. AI-based tools may also be used to create images (cover photos) on the Fundraiser’s page, descriptions of the Offers made on the Fundraiser and the Fundraiser’s title - if the Organiser decides to use them, the above mentioned rules apply accordingly. Any images created in this way will be clearly marked as AI-generated.
   5. If your Fundraiser aims to collect a sum of 35.000 € or higher, its description should also include an indicative cost estimate showing the expected expenses that will be covered from the raised funds, together with the priority with which they will be settled. It should also - if possible - state the purpose to which the surplus money gathered will be spent if the expected sum is exceeded and may state an alternative purpose if the goal is not met and can be realized only with the aimed amount. This does not apply to Fundraisers created on behalf of the Fixed Beneficiary. However, for security reasons in a given case, we may require the cost estimate to be added in the description of such Fundraiser.
   6. From the moment the first Donation to a Fundraiser is made, it is forbidden to change its Beneficiary or its purpose. If we become aware of such a change, we may delete the Fundraiser and return its current balance to the Supporters. You may only change the description to further specify the original Project or to describe new circumstances concerning its purpose. To prevent changing the purpose of a Fundraiser, we may limit or block the ability to change its description, especially when the Fundraiser’s purpose has already been verified as stipulated in pt. 5.
   7. As an exception from the restriction made in pt 4.6., if the sum expected to be gathered on your Fundraiser is significantly exceeded, and the description didn’t state a purpose for the use of the surplus funds, you may contact us and we may allow you to state a purpose to which the surplus funds will be used. We may also ask you to state such an additional purpose if you didn’t contact us. Such an additional purpose should be as close as possible to the original purpose of the Fundraiser (e.g. to help other people in a situation similar to the Beneficiary’s case or to donate to a specific charity that helps in such cases).
   8. In the case of Fundraisers organised for the Beneficiary it is necessary to acquire - before starting a Fundraiser - such person’s written approval to the Fundraiser being organised as well as consent to us processing their personal data together with their ID scans (in the case of natural persons) or documents showing the authorization of a specific person to act on behalf of the Beneficiary, consent of a person with such authorization to organise a Fundraiser for such Beneficiary and a scan of their ID (in the case of Beneficiaries who are not natural persons) - forms available here. We may request the above documents during the verification procedures described in pt. 5 of the Regulations or at any other time. In the event of the Beneficiary's refusal to conduct the Fundraiser for their benefit or failure to deliver the documents described above within the prescribed period (not shorter than 7 days), we may delete the Fundraiser and return its balance back to the Supporters.
   9. In the case of the Beneficiary’s death, or if the Fundraiser’s purpose cannot be met out of reasons objective and independent from its Organiser, the Organiser should immediately notify us of this fact. We will temporarily block the Fundraiser, and its Organiser may, as they choose:
      1. order us to return the Fundraiser’s balance back to the Supporters, in which case the Fundraiser is deleted afterwards or;
      2. set a new purpose of the Fundraiser, in which case the Organiser should change its description stating this new purpose as well as prepare a message to the Supporters, notifying them of the event that made the Fundraiser’s original purpose impossible to achieve and of the new purpose that it will serve. The message should be sent to us to and we will post it to all of the Fundraiser’s Supporters. The withdrawals from the Fundraiser’s Account will remain blocked for the period of 14 days after the message has been sent, in which time the Supporters may contact us directly asking for the refund of their Donations. We refund the Donations when asked, up to the balance of the Fundraiser. After the 14-days have passed, the Supporters are considered to have accepted the new purpose, and the Fundraiser may be continued freely.
      From the moment we acquire information of the Fundraiser’s purpose becoming impossible to achieve until the Organiser chooses one of the solutions given in pt. 4.9.1. or 4.9.2. above, we also refund any Donations when the Fundraiser’s Supporters contact us with such a request (up to the Fundraiser’s balance).
   10. The Fundraiser’s Organiser bears responsibility for any chargebacks directed against the Donations made to their Fundraiser. We may deduct any costs incurred by such chargebacks from the account of the Fundraiser or - if the balance on the Fundraiser is insufficient to cover them - from the accounts of other Fundraisers of the same Organiser.
   11. To donate to a Fundraiser and become its Supporter you need to choose one of the payment methods available on the Website, set the amount of payment (minimum Donation is 1 €) as well as state your email and accept these Regulations and Privacy Policy. You also need to state your name and surname or the name of the organisation that you represent in making the payment. By making the payment you confirm that the data you provided is true. Unless otherwise stipulated in the Regulations (e.g. in the case of Recurring Donations), you don’t need to be registered or logged in on the Website to donate. The Donation payment process is handled by external payment service providers and is not part of the payment services provided by us - therefore it is necessary to accept their terms of service as well to make a Donation.
   12. The Fundraiser’s Accounts are held in euro currency. Any Donations made in other currencies or withdrawals to the bank accounts held in other currencies may be subject to third-party exchange fees and rates. However, when making a Donation using Google Pay, Apple Pay or Pay By Card payment method, the Supporters may choose to make the payment in a currency other than euro. In that case, the funds will be exchanged to euro currency by our partner after they’ve been debited from the Supporter’s account - the Supporter will be provided with the exact information on the amount in euro currency that will be credited to the Fundraiser’s Account and their own account will be debited in the amount set by them in their chosen currency. Please note, that if the chosen currency differs from the currency of the Supporter’s account to be debited, third-party exchange fees and rates still may apply.
   13. Subject to pt. 4.14 below, making withdrawals from the Fundraiser’s Account is available after the Organiser assigns a VISA or MasterCard payment card issued by a bank or other financial institution that supports the VISA Direct ® and/or Mastercard Send ® solution (respectively) to their User Account, which they may do immediately after completing the identity verification procedure stipulated in pt. 3.3. or at any later moment from their User Account. Assigning the card to the User Account requires providing its data and performing verification in which a small charge will be made to the card and automatically returned to its account. The Organiser should be an owner of the bank account to which this card was issued - using someone else's card may result in an inability to assign the card to the User Account. The Organiser may change the card assigned to their User Account at any time, however, each time it must be a card issued for their own bank account. Only one card may be assigned to the User Account at a time. The Organiser may change the payment card assigned to their User Account no more than 3 times in 30 days. All withdrawals will be made to the bank account to which the card assigned to the User Account was issued. The Organiser may withdraw the money up to the current balance of the Fundraiser's Account.
   14. Alternatively (or in addition) to assigning a VISA or MasterCard payment card, the Organiser may assign their own bank account to their User Account as a withdrawal method. This can be done by choosing the ‘Bank Transfer (EURO)’ withdrawal option and making a payment of 0.1 EUR (automatically refunded after verification) to a bank account number and using the transfer data provided in the instructions on the screen. The bank account that is to be assigned to the User Account must be held in the Organiser’s own name by a bank seated in one of the EEA countries. Only one bank account may be assigned to the User’s Account (additionally to the payment card as stipulated in pt. 4.13 above). If the Organiser has assigned both a payment card and a bank account to their User Account, they may choose the desired method each time they make a withdrawal.
   15. Donation box can be created by any Registered User for a specific Fundraiser if its Organiser has not disabled such an option on their Fundraiser.
   16. Each Donation Box's page contains information indicating that the funds are collected for the specified Fundraiser, as well as information on the total amount collected on this Fundraiser and the amount collected through the Donation Box.
   17. The Donation Box is not a separate Fundraiser and may not serve a purpose other than the one stated in the description of the Fundraiser for which it was created (though it may serve a specific part of this purpose). The Donation Box's Organiser has no access to funds collected on the Donation Box. A separate payment account is not created for the Donation Box. Donations collected through a Donation Box are directly transferred to a Fundraiser’s Account for which the Donation Box's Organiser has created the Donation box and the money donated to the Donation Box is considered a Donation for the Fundraiser itself, meaning that even if the specific purpose of the Donation Box proves impossible to reach, the money should still be spent accordingly to the Fundraiser’s purpose. The Organiser of the Fundraiser is the sole owner of the donations collected through the Donation Box.
   18. The Donation Box is not a payment service.
   19. Deleting or disabling a Fundraiser results in deleting or disabling all Donation Box connected to it.
   20. In order to create a Fundraiser for the benefit of one of the entities listed on the Fixed Beneficiaries list, the Organiser must follow the rules set below - such entities may not be Beneficiaries of the standard Fundraisers where the Organiser is able to withdraw the Donations to their own account. Such Fundraisers may be created by selecting the chosen organization from the list and following the steps on the screen. All of the funds gathered on such Fundraiser will be withdrawn directly to the Fixed Beneficiary’s bank account when the Organiser instructs us to make a withdrawal. If the Organiser delays the withdrawal, we – at the request of the Fixed Beneficiary – can make the withdrawal directly to the Fixed Beneficiary’s bank account, without the Organiser’s permission. Any disputes between the Organiser and the Fixed Beneficiary should be resolved without our participation.
   21. After the Fundraiser is created, the Organiser can not revoke the priorly chosen Fixed Beneficiary. When a Fundraiser for the Fixed Beneficiary is created, the Fixed Beneficiary is informed of its creation via email. The Fixed Beneficiary may decline a specific Fundraiser for their benefit, in which case the Fundraiser is deleted. 
   22. A Fundraiser created for the benefit of a Fixed Beneficiary includes information that the funds are collected for the Fixed Beneficiary which is a party to the donation agreement concluded with Supporters. The Organiser is not a party to such agreement and is only supporting the Fixed Beneficiary in reaching their goal.
   23. We can delete a Fundraiser for the benefit of a Fixed Beneficiary that would be organised disregarding the procedure described above, and return the Donations to the Supporters. However, before we do this, we will enable the Organiser to follow this procedure and - should the Fixed Beneficiary accept their Fundraiser - to continue it as if it had been organised following the procedure from the beginning.
   24. If the Fixed Beneficiary deletes their account, all of the Fundraisers connected to it will be deleted. However, if there are funds on such Fundraisers, the Fixed Beneficiary should request the withdrawal first. After we carry out this order, Fundraisers will be deleted.
   25. The Organiser may apply for the Content Creator status. To do so, the Organiser should select the appropriate option in their Organiser Panel and complete the application form. If we are already aware of the Organiser's activity, we may also offer them the Content Creator status on our own initiative. We may revoke the Content Creator status at any time if the content published by the Organiser subsequently meets any of the criteria listed in point 4.26 a)–e) below.
   26. Before granting Content Creator status, we review the nature of the Organiser's content. We may refuse to grant the Content Creator status if the content published by the Organiser is inappropriate, especially if it:
       • a) is pornographic;
       • b) depicts humiliating, degrading or self-destructive behaviour presented for entertainment purposes (so-called "trash streaming");
       • c) promotes gambling, or items whose sale or possession is prohibited by law;
       • d) promotes fake news or conspiracy theories;
       • f) promotes hatred or discrimination of any kind.
   27. Until the verification is completed and the changes are approved by us, the updated information will not be published on the Website and other Users will continue to see the previously published profile information.
   28. By obtaining Content Creator status, the Organiser grants us a free, non-exclusive, worldwide licence to use their name, logo and description (as submitted in the form referred to in point 4.25. in the Content Creator catalogue on the Website, as well as in our own promotional and marketing materials, including on social media. This licence lasts for as long as the Organiser holds Content Creator status, and ends when their User Account is deleted or their status is withdrawn, unless we agree otherwise. At any time, the Organiser can restrict our right to use their name, logo or description in our promotional and marketing materials - though this won't remove them from the Content Creator catalogue or affect their status. We may continue using any promotional materials we had already prepared or published before that. The Organiser confirms they hold all rights necessary in their name, logo and description, and that our use of them as described here will not infringe anyone else's rights.
   29. By obtaining Content Creator status, the Organiser also agrees to let us use their image for the same purposes - maintaining the Content Creator catalogue and our promotional and marketing materials, including on social media. This consent lasts for as long as the Organiser holds Content Creator status, and ends when their User Account is deleted or their status is withdrawn, unless we agree otherwise. At any time, the Organiser can withdraw this consent as regards our promotional and marketing materials - though this won't remove them from the Content Creator catalogue or affect their status. We may continue using any promotional materials we had already prepared or published before that. The Organiser confirms they hold all rights necessary in their image, and that our use of it as described here will not infringe anyone else's rights.

5. FUNDRAISER’S PURPOSE VERIFICATION

   1. We may verify the purpose of any Fundraiser at any time, especially when we receive abuse reports, the Fundraiser’s declared purpose seems doubtful, impossible to achieve or illegal, the Fundraiser raises suspicions of fraud or other violation of these Regulations, or its purpose is charitable and the Organiser asks as to verify it in order to be able to purchase our advertising services for it. Verification is mandatory when the sum of funds collected on the Fundraiser’s Account is equal to or exceeds 5.000 €, disregarding any withdrawals made from the account. If the sum of the funds collected on all of the Fundraisers of one Organiser exceeds 12.500 €, disregarding any withdrawals, we may verify all or chosen Fundraisers created by this Organiser.
   2. We will notify the Organiser of commencing the verification process by email. In the verification process we will ask the Organiser to provide us with documents that will support the veracity of the Fundraiser’s purpose, the set of which will be determined by the Fundraiser’s description. We may ask for the documents proving any substantial information (i.e. information that may influence potential Supporter’s decision on donating to the Fundraiser), and the authorisation of the Organiser to conduct a Fundraiser (Beneficiary’s approval). We may also base the verification on publicly available information concerning the Fundraiser or its Organiser if it is credible. In justified cases we may also rely on information or statements provided by the Organiser or third parties (e.g. the Beneficiary) or proof of spending the funds that have already been withdrawn from the Fundraiser’s Account before we decided to verify it. The method of a specific Fundraiser’s purpose verification is at our own discretion.
   3. Any documents used in the verification process should be uploaded in scans or photographs directly from the Organiser’s User Account. They should be in English or Polish or provided with a certified translation to English or Polish, legible, of sufficient resolution, and folly visible (no cropped edges).
   4. The Organiser should be authorized to provide us with any documents used in the verification process. If the documents concern a third person (e.g. the Beneficiary), the Organiser should obtain and maintain that person’s approval to provide us with these documents and to us processing their personal data (such approval is included in the Beneficiary’s approval form - you can find it here). Should the documents include the data concerning health, the Organiser must obtain a separate approval of the person that the data is of (in case of Beneficiary, this is included in a specific form - you can find it here). If the documents or the data included therein are subject to any legally protected secret (medical, judicial, professional etc.) it is up to the Organiser to acquire an approval to disclose it to us from the person authorized to grant it. The Organiser of a Fundraiser cannot avoid providing us with documents by invoking any lack of consent of a third party or any secrecy.
   5. Any documents provided in the process of verification will be kept confidential and will be used only for verification of the Fundraiser they concern. We generally do not share these documents with third parties, unless legally forced to. However, in justified cases, especially when the documents provided in the process of verification raise suspicions to their authenticity, we may contact their alleged issuer to certify their originality. We can also share these documents with other service providers taking part in a given transaction chain when conducting AML/TF procedures, if it is necessary to conduct them properly.
   6. From the moment we start the verification of a Fundraiser, until the procedure is over, we may block the withdrawals from the Fundraiser’s Account. If the Fundraiser raises suspicion of fraud or any other illegal action, we may also block the withdrawals on any other Fundraisers of the Organiser. When a Fundraiser exceeds the limit of 5.000 € as stipulated in pt. 5.1, withdrawals are blocked automatically. If the sum of the funds collected on all of the Fundraisers of one Organiser exceeds 12.500 €, withdrawals are blocked automatically on all of the User’s Fundraisers.
   7. Verification is complete and withdrawals are unblocked once the documents we acquire, or other information provided during the process prove the veracity of a Fundraiser at a satisfactory level. We may not abandon verification of a Fundraiser once we have commenced it, regardless of the reason for verification. Once we complete the verification, we may confirm it with an appropriate tag on the Fundraiser.
   8. If the Organiser fails to complete the verification process in 14 days after they have been notified of us commencing it, either by ignoring the verification or not providing the required documents, we may stop their Fundraiser and return the Donations back to the Supporters, up to the Fundraiser’s Account balance. This period may be extended in justified cases, especially if we ask for the additional documents.
   9. If the Organiser fails to complete the verification process, we may also delete other Fundraisers on their User Account and return their Fundraiser’s Account balance back to the Supporters, unless these Fundraisers raise no suspicion of fraud, especially when they have already been verified as stipulated in this point. In justified cases, particularly when the Organiser’s failure to verify the Fundraiser brings suspicions of fraud or other illegal action, we may also suspend or delete their User Account.
   10. If there are any justified suspicions about the actual spending of funds already withdrawn from the Fundraiser’s Account, particularly when we acquire reports on funds’ misuse from the Beneficiary, we may also ask the Organiser to provide relevant proof of these funds spending (e.g. transfer confirmations, invoices or bills). In this case, the provisions of points 5.2. - 5.9. are applicable. Spending may be also verified in the case of Fundraisers aimed to collect a sum of 35.000 euro or higher when the Organiser has withdrawn at least 25.000 euro of the collected funds. In such cases, the spending may be verified numerous times if the funds are withdrawn in installments.

6. FUNDRAISER’S ADVERTISING

   1. Any Fundraiser that has already been verified as in accordance with p. 5 of the Regulations may purchase one of the premium options available on the Website (e.g. the Fundraiser’s advertising on the public Fundraiser’s list). The only exception is the Individual website address (alias) service, that can be bought for any Fundraiser, even before it is verified.
   2. We may decline to provide advertising services to any Fundraiser, especially when its purpose or description is drastic, doubtful or the circumstances included in its description indicate that there are ongoing legal proceedings that may influence the accuracy or veracity of the Fundraiser’s description. In that case, we refund any fees that have already been paid for such services. If the Fundraiser is not illegal or it does not violate these Regulations in any other way, it may be continued without using advertising services.

7. RECURRING SUPPORT

   1. The option to provide Recurring Support to a Fundraiser is available only to the Registered Users (in order to enable them to stop such payments at any time directly from their User Account).
   2. Recurring Support can be made only to Fundraisers for which the Organiser has enabled this option. Even if a Fundraiser has Recurring Support enabled, Supporters still have the option to make a single (non-recurring) Donation instead, by choosing the “Single Payment” button while making a Donation, unless the Organiser has disabled the “Single Payments” option. In that case, only Recurring Support is possible.
   3. To set up a Recurring Support for a Fundraiser, the supporter needs to select the 'Recurring Payment' button while making a Donation to a Fundraiser that has Recurring Support enabled. Afterwards, they must choose or manually set the amount of the monthly payment. After clicking the “Support” button, the Supporter will be redirected to a PayU S.A. widget where they will need to provide their payment card details.
   4. Should the Supporter decide to make a separate donation to us while setting a Recurring Support to a Fundraiser, such donation will be added to the sum of the recurring monthly payments charged to their card (the donation to us is also recurring).
   5. Recurring payments are processed by a third party - PayU S.A., a licensed payment services provider with its registered office in Poland. Supporter’s card details will be stored by PayU S.A. PayU, as an intermediary in making payments, provides the Token tool (virtual card identifier), which enables assigning a unique identifier to an individual Supporter, with the use of which the Supporter periodically makes payments to the Organiser (and us, should the Supporter decide to make a separate donation to our account). The agreement regarding the processing of recurring payments is concluded between the Supporter and PayU S.A.. Any complaints in this regard should be filed in accordance with pt 14.4 (directly to PayU S.A.).
   6. Recurring Support is available to active Fundraisers only. Should a Fundraiser be blocked or in any way restricted by us, or finished/deleted by the Organiser, providing Recurring Support to it will become unavailable.
   7. In the case of recurring payments failed due to the lack of funds on the card, the payment will be omitted and only attempted when the next payment is scheduled the following month.
   8. The Supporter may stop providing Recurring Support at any time. This is done by logging into your User Account and going to the 'Settings' -> 'Recurring payments' tab, and then selecting the Recurring Support you want to cancel.
   9. The Organiser of a Fundraiser with Recurring Support enabled may specify Support Tiers for it. These are tiers of specific amounts of support that enable the Supporters to access exclusive content restricted to such tier. Support Tiers can be set while organising the Fundraiser or afterwards, by editing it. While creating a Support Tier, the Organiser should set its title, amount of support necessary to access it and write its short description. The Organiser may also mark one of the Support Tiers as recommended, making it appear as first on the list of the proposed tiers on their Fundraiser.
   10. The Supporter may access the Support Tier (and all the Support Tiers with lower purchase amounts) by making an either recurring or single Donation in the amount of at least the amount of the specific tier. All the content of the Support Tier is available to the Supporter for the time while their Recurring Support is active and for further 32 days after it is terminated, or for 32 days after making a single payment.
   11. The Organiser may upload any content (text, links, movies) to a specific Support Tier, making it available to Supporters that have bought access to such tier. Any restrictions specified in the Regulations concerning the content uploaded to the Website also apply to the content uploaded to Support Tiers.
   12. The Organiser may not delete a Support Tier after it has been bought at least once, though they may cease to offer it. If they decide to do so, the Support Tier cannot be bought anymore, though the Supporters that already had access to it retain it for the period specified in pt. 7.10. The Organiser may however freely delete specific content from any Support Tiers, making it instantly unavailable.

8. OFFERS AND AUCTIONS

   1. Any Verified User may make Offers on their Fundraisers by clicking the "add offers/auctions" button in the "offers/auctions" tab of their Fundraiser and completing the Offer adding form. In the form, the Organiser must provide the title and description of the Offer. They should also select the appropriate category in which it is offered, indicate the duration of the Offer, and specify the minimum payment for the Offer. If the Offer is listed as an auction, the Organiser should also provide the duration and starting price. They may also attach photos of the Offer’s subject and tick or fill in additional fields of the form, indicating the ways of delivering the Offer’s subject, the date of its delivery or the data necessary to be completed by the Supporter when making the purchase. If the Organiser intends to sell more than one copy of the same Offer’s subject, and such items are to be offered at the ‘buy now’ option, they may specify the number of items or state that there is an infinite amount of items offered (e.g. when listing Digital Offers) - in that case the itemss may be bought until that number is depleted.
   2. The description of the Offer should be specific, exhaustive and should not mislead the potential buyer. By adding the Offer the Organiser makes a binding pledge to deliver it to the buyer as specified in its description. They also confirm that they have a full legal right to sell the Offer’s subject.
   3. Each User of the Website may purchase an Offer listed at the ‘buy now’ option by selecting iton a Fundraiser and making a Donation of at least the minimum amount specified by the Organiser as payment for the selected Offer. The Supporter will need to provide their name and surname in the Donation form. If the Organiser stipulated this when completing the form for adding an Offer, in order to purchase it, it may also be necessary for the Supporter to provide address or contact details, which will be provided to the Organiser for the purpose of shipping.
   4. The Offer’s subject should be delivered to the buyer in the time and by shipment stated in its description. Should the description not specify terms of delivery, the Offer’s subject should be delivered as agreed between the Organiser and the buyer. The Organiser should contact the buyer in this regard not later than 7 days after the Offer has been purchased.
   5. The Organiser can at any time stop offering the Offer further. However, in that case, they must deliver the Offer’s subject to all the buyers that purchased it before the offer was canceled. By default, Offers listed in the ‘buy now’ option end with the Fundraiser’s termination date, although the Organiser may also delete the Offer at any time. Nevertheless, the Organiser is still obliged to perform their obligations related to the Offers acquired by the time of their deletion. It is not possible to add new Offers after the termination of the Fundraiser. In order to add a new Offer, it is necessary to extend the duration of the Fundraiser.
   6. If the Offer has been listed on an Auction, only Registered Users may submit bids. Bids equal to or higher than 2.500 € may only be submitted by Verified Users. Bids may be submitted until the Auction ends.
   7. Submitted bids can not be revoked through the Website. In the event of an obvious mistake while submitting a bid (e.g. an additional zero in the amount), the bidder may contact us at and we may - at our own discretion - decide to revoke their bid.
   8. After the Auction is over, the highest bidder is sent an email confirming their win in the Auction. The email includes a direct link to make a Donation to the Fundraiser where the Offer was made, with the Donation amount matching the bid. They should make this Donation in 24 hours since the email was sent - if they do not do so, the Organiser may cancel the auction - until they decide to do so, the highest bidder may still pay the Offers price., Alternatively, after the said 24 hours have passed, the Organiser may discard the highest bidder and offer the purchase of the Offer’s subject to the next highest bidder.
   9. We are not a party to an agreement struck by the purchase of the Offer and are not responsible for the Organiser fulfilling their obligations arising from it. Such agreement is struck between the Organiser and the Supporter who made the purchase of the Offer. The Organiser is solely responsible for fulfilling their obligations both to the buyer and any third parties (e.g. tax duties).
   10. If the buyer does not deliver the Offer’s subject, its buyer may contact us at [email protected]. We may contact the Organiser asking them to provide an applicable proof of delivery. If the Organiser does not provide the proof or there are still reasonable doubts about the Offer’s subject delivery, we may send the data of the Organiser (together with the data we collected during the identity verification) to the buyer in order to enable them to pursue their claims outside 4fund.com. If, at this time, there are still sufficient funds in the balance of the Fundraiser, we also may use it to refund the amount paid for the Offer to the buyer.
   11. Immovable property, stocks, shares or any other item that can only be effectively sold by fulfilling additional administrative or legal duties can not be an Offer’s subject. It is also forbidden to offer items that would be illegal or restricted to sell or would violate someone else's personal rights, and to use derogatory language in the Offer’s description. Furthermore, it is forbidden to claim or suggest in the Offer’s description that we are responsible for the Organiser fulfilling their obligations or in any way guaranteeing it. We may delete such Offers without prior requesting the Organiser to remove them.
   12. We may block, delete or suspend the User Account of a User that:
   1. As an Organiser, offers items:
   1. that they have no right to sell;
   2. that they do not intend to deliver to the buyer or that they don’t deliver to the buyer after its purchase
   3. that would be illegal to sell or would violate the Regulations in any other way;
   2. As a bidder, continues to submit bids with no intention of buying the Offer’s subject if they win the Auction;
   3. As an Organiser on whose Fundraiser the Founder's Offers are listed, knowingly allows the Founder to offer items mentioned in p 8.12.1 above.
   13. In the event that the Offer raises suspicions as to its subject’s existence or the Organiser’s ownership and/or right to sell it, we may ask the Organiser to provide proof for such facts. Should the Organiser fail to provide applicable proof or it does not resolve our doubts, we may delete the Offer.
   14. In the event that the Fundraiser’s Account balance on a Fundraiser with Offers listed is refunded to the Supporters out of any reason, the refunds are made within the rules stated in pt. 11. The Organiser may provide us with a proof of delivery of the Offer’s subject to a buyer who has received such a refund, and we will provide the Organiser with the data of the buyer that we possess in order to enable the Organiser to contact the buyer in regard of the payment or to pursue their claims outside 4fund.com
   15. The provisions of points 8.1 - 8.14 shall apply accordingly to the rules for the Founders' Offers, subject to the provisions listed below. Whenever in points 8.1 - 8.14 the Organiser is mentioned as the one making the Offer, the rules shall apply also to the Founder.
   16. Only Verified Users may make Founders’ Offers. In addition, Founders’ Offers may only be made by natural persons who do not make them as a part of their professional or business activity.
   17. Founders’ Offers may be made on a specific Fundraiser if its Organiser enables such an option by selecting the "Enable adding offers/auctions for others" button. This option is available only to the Organisers who are Verified Users.
   18. The Founder adds the Founder's Offer by selecting a specific Fundraiser that they want to support, followed by completing and accepting the Founder's Offer adding form. In the case of Fundraisers for which Donation Boxes have been created, the Founder also may select a specific Donation Box created by them or another User while adding their Founder's Offer to the Fundraiser - if they do so, the amount for the sale of the item of the Offer will be credited to the virtual balance of this Donation Box.
   19. The Organiser accepts or rejects the Offers proposed by the Founder before making them available on their Fundraiser. The given Offer submitted by the Founder becomes valid from the moment the Organiser accepts it.
   20. Responsibility for the performance of the obligation resulting from offering the Founder's Offer rests solely with the Founder. The Organiser is not responsible for the transfer of the Offer’s subject offered by the Founder.
   21. The payment for the Founder's Offer is credited directly to the Fundraiser’s Account maintained for the Fundraiser to which it has been linked. This also applies to Founder's Offers added to the Donation Box designated by the Founder and assigned to the Fundraiser. It is assumed that between the Founder and the Organiser of the Fundraiser to which the Founder's Offer has been linked, a donation agreement in the amount received in exchange for the Offer is concluded, effective immediately at the time of purchase of the Founder's Offer by the Supporter. No legal relationship is established between the Supporter who purchases the Founder's Offer and the Organiser of the Fundraiser - the Supporter concludes an agreement only with the Founder from whom they purchased the Offer.
   22. The Founder may remove the Founder's Offer they made if the Offer has not yet been purchased. They may also stop offering the items further at any time, however, they are then obliged to deliver the items to all the Supporters who have bought it earlier.
   23. The Organiser may at any time remove or terminate a specific Founder's Offer added to their Fundraiser. In such a case the Founder must still fulfill their obligations to the Supporters who bought the items before the Organiser has done so.
   24. Zrzutka.pl sp. z o.o. acts as an operator of the platform within the meaning of the provisions of the Act of 23 May 2024 amending the Act on the exchange of tax information with other countries and certain other acts (hereinafter: "the Act"), which implements Council Directive (EU) 2021/514 of 22 March 2021 amending Directive 2011/16/EU on administrative cooperation in the field of taxation. Due to the above, we must fulfill the obligations specified in the Act.
   25. In order to fulfill the obligations arising from the Act we may ask the User to provide their tax identification number (TIN number).TIN (Tax Identification Number) is a general term used in the context of tax identification, which refers to the tax identification number in various countries, e.g. in Poland, the TIN is PESEL and NIP, in Italy Codice Fiscale (CF), in France Numéro Fiscal de Référence (NIF), in Ireland Personal Public Service Number (PPS) etc. The numbers recognized as TINs vary from country to country - if you don't know what your TIN number is, you can check it by selecting your country from the list available here.
       
   26. A User who wants to make an Offer may be asked to provide the Operator their TIN number. Providing the TIN number is a necessary condition, without which it will not be possible to make an Offer.
   27. Notwithstanding the above - in order to comply with our statutory obligations - we may ask Users who have previously made Offers to provide their TIN or their address (or both). The user will then receive three messages (the second one after 20 days, the third one after 40 days) informing them that they need to provide additional data.
   28. If the Organiser does not provide the relevant data within 60 days of receiving the first communication, we will block the withdrawal of funds from their Fundraisers for which they also received Donations from the sale of Offers, as long as the balance of a specific Fundraiser is positive and prevent the Organiser from making further Offers - until we receive the requested data. If none of the Organiser's Fundraisers meet the condition referred to in the preceding sentence, then in the case of Fundraisers in which:
       1. the Organiser has added Offers, but has not sold any of them, and the Fundraiser’s balance is positive;
       2. the Organizer has added Offers (regardless of whether they sold the Offers or not) and the current balance of the Fundraiser is 0 euro;
       we will delete the Organiser's existing Offers with no possibility to renew them and will prevent the Organiser from making further Offers - until we receive the requested data.
   29. If the Founder does not provide the relevant data within 60 days of receiving the first communication, we will delete their existing Offers with no possibility to renew them and will prevent the Founder from making further Offers - until we receive the requested data. In addition, the rules described in point 8.28 above apply to any Offers that such a User adds on their own Fundraisers.
   30. In accordance with the procedures set out in points 8.28 and 8.29 above, we may ask Users to confirm the data we have previously established. If the data declared by the User raises doubts, we may request that they are confirmed with an appropriate official document indicated by us.
   31. If the User fails to fulfill the obligations arising from the Act and in result we need to delete the User's existing Offers with no possibility to renew them and prevent the User from making further Offers (until we receive the requested data), the User's Auctions will be terminated with no winner (all the bids submitted so far will be disregarded), and the subject of the Auction remains unsold.

9. LIABILITY

   1. We are not a party to any agreement struck between the Users via the Website and therefore take no responsibility for them performing their obligations.
   2. The verification procedures that we have introduced are aimed at lowering the risk of fraud on the Website as well as eliminating dishonest Users from it, but they do not guarantee that a given Fundraiser will not turn out to be a fraud. Even if we have verified a Fundraiser and have marked it as ‘verified’ or similarly, we are not liable for any loss accrued by the fact of donating to it, unless we would do it in bad faith.
   3. Users are solely responsible for the legality of their actions on the Website, as well as for non-infringement of rights of any third party. We do not share their responsibility and unless we have acquired a notice from a competent authority or a legitimate information from any third party that any content that a User has posted on the Website infringes the law or rights of any third party and did not delete such content immediately after acquiring such information, cannot be held responsible for such infringement. This does not in any way limit our right to delete such content acting on our own accord.
   4. We bear liability for the correctness, legality, availability and sufficient quality of the payment services that we provide, described in detail in Appendix No.1 - Framework Agreement. The funds kept on the Fundraiser’s Accounts are subject to the protection stipulated in the Polish Payment Services Act of August the 19th 2011 (they must be kept separately from our own funds and be placed on a separate bank account or safely invested, and they can never be subject to execution directed against us, even in the case of our insolvency).
   5. We reserve the right to temporary breaks in us providing our services in the case of necessary technical or conservation works. We will notify the Users of such works beforehand.
   6. We are not responsible for the temporary brakes in us providing our services due to force majeure or malicious acts of third parties (e.g. hacker attacks). If such circumstances cause the leak or risk of leak of Users data, we are obliged by law to notify the Users and take measures to minimize or avoid the leak.

10. ACCOUNT SUSPENSION AND DELETION

    1. A Registered or Verified user may terminate their User Account at any time. If there are any funds kept on any of the User’s Fundraiser’s Accounts, in order to terminate the User Account the User must withdraw the funds beforehand. This may result in inability to terminate an account while it is suspended or the Fundraiser’s purpose verification procedures stipulated in pt. 5 are in progress.
    2. We may suspend or delete a User Account in cases stipulated elsewhere in the Regulations, particularly when we have information or suspicion of the User committing fraud, breaking the law in another way or violating the Regulations.
    3. We may suspend the User Account of a User when we have suspicion of them committing fraud, breaking the law in other ways or violating the Regulations, and there have been procedures introduced in order to confirm or disprove such a suspicion. If the User’s Account gets suspended, we may impose restrictions on their ability to withdraw the funds from Fundraiser’s Accounts as well as ability to accept Donations on Fundraisers. Should the suspicion be disproved, we will promptly restore the User’s full access to their User Account. If the suspicions get confirmed, User’s Account will be deleted (apart from us taking any other legal measures). Please note that the automatic withdrawals block after reaching the amount thresholds indicated in point 5.1 does not constitute a User Account suspension and does not mean that we have any particular suspicions concerning your Fundraiser - this is a normal procedure that we apply equally to all the Organisers.
    4. We may also delete the User Account and/or deny the possibility to open a User Account in case we - at our sole discretion - consider maintaining a business relationship with a specific User an unacceptable risk to our reputation due to the User’s activity on the Website or outside the Website. This concerns particularly Users convicted of crimes that could impact the public reception of their Fundraisers and Users engaged in spreading fake news or propaganda.
    5. If we delete a User’s Account due to the User breaking the law or violating the roles set in the Regulations, we may take measures to prevent them from creating a new account (blacklisting).
    6. If we delete a User Account and there are still funds left on any of the User’s Fundraisers’ Accounts, we may:
    1. follow any legally issued instructions as to the funds’ disposal given by competent authorities (e.g. law enforcement) - if we receive such instructions, we must always comply and the following points do not apply;
    2. transfer the Fundraisers’ Accounts balances back to the Supporters, acting on the roles stipulated in pt. 11 - if there are any suspicions of fraud or acquiring the Donations in an otherwise unfair way;
    3. execute a withdrawal of all the funds to the Organiser’s Bank Account - if there is no suspicion of fraud and the account deletion arises from other reasons.

11. REFUNDS

    1. The Organiser may decide to refund any single Donation by giving us such an order. The Organiser may also decide to refund all the balance of the Fundraiser back to the Supporters.
    2. Refunds by the Organiser will be disabled if the withdrawals from the Fundraiser’s Account are restricted for any reason.
    3. If the balance of the Fundraiser’s Account is insufficient to refund all the Donations in foll (due to the Organiser’s withdrawals), and the Organiser orders us to refund all the balance of the Fundraiser’s Account or we decide to refund it in instances stipulated elsewhere in the Regulations, the refunds are made in the order from the most recent to the oldest Donations. Should the amount left while making refunds be insufficient to cover a specific Donation, this refund is not executed and we make a refund to the next Supporter in line. If the amount left after making refunds in this order is insufficient to cover any Donation in foll, we make a partial refund in this amount to the first Supporter in line who didn’t get a full refund.
    4. Refunds are made in the euro currency to the Supporter’s bank account of the payment card that the Donation was made from or directly to the Supporter’s bank account if the Donation was made by bank transfer. If such an account is held in a currency other than euro, third party charges or exchange rates may apply.

12. ANTI MONEY - LAUNDERING/ COUNTERING THE FINANCING OF TERRORISM

    1. As a payment services provider with its registered office in Poland, we are subject to the Polish Anti - Money Laundering and Countering the Financing of the Terrorism Act of March the 1st 2018, as well as the applicable EU Regulations concerning the subject. These form the legal ground for our rights and duties in that matter.
    2. In order to fulfill our legal duties, we need to monitor the transactions on the Website in order to find irregularities that might indicate the suspicion of money laundering or financing of terrorism. We also might need to ask you additional questions or request additional documents from you in order to better understand the nature of your transactions or your goal in having a business relationship with us. This may also happen in instances not stipulated elsewhere in the Regulations. Failure to provide us with reasonable explanation and/or the requested documents might result in restrictions on your User Account or our business relationship being terminated. We are also bound to report any suspicions of money laundering or financing of terrorism to the relevant authorities.
    3. Due to the inability to properly apply due diligence measures, we do not allow the organization of Fundraisers whose purpose is related to cryptocurrencies or crypto-assets, where confirming their legal compliance, determining the exact purpose of the funding, and/or verifying the planned project's operations is not possible without conducting detailed verification procedures—especially those involving an analysis of the project's compliance with applicable, national, or EU law. Such Fundraisers will be deleted with Donations refunded to the Supporters.
    4. If you intend to organise a Fundraiser aimed at supporting individuals or communities located in areas affected by armed conflict or other military activities, you are required to obtain our prior consent to organise such a Fundraiser and to consult us on the form and manner of achieving its purpose. We may suspend or remove such a Fundraiser organised without our consent and refund its balance to the Supporters. The above is a result of our obligation to assess the correctness and legality of the flow of funds in order to properly conduct financial security measures, particularly aimed at countering terrorist financing.

13. INTELLECTUAL PROPERTY RIGHTS

    1. The name of the Website, our logo, graphic design, software, Website code and database are subject to legal protection as intellectual property.
    2. By posting anything on the Website (e.g. photos on your Fundraiser, Digital Offers you make), you confirm that the way you use it does not infringe any intellectual property rights of any third party.
    3. If you claim that anything posted by any User infringes your intellectual property rights, you may contact us at (where possible by providing us with proof of your rights). We will block such content if there is any suspicion of such infringement.
    4. If we find your Fundraiser particularly interesting, fresh or worthy of support, we may promote it on our Website or outside the Website (e.g. on our social media or on Google ads) free of charge. Such advertising might be combined with the promotion of the Website itself. By publishing a Fundraiser on the Website, you give us permission to use the content you post in such a way.

14. COMPLAINTS

    1. If you believe our payment services are of an insufficient quality or we provide them in violation of these Regulations, you may file a complaint to us. The complaint may be posted to or in writing to our office: Zrzutka.pl sp. z o.o., al. Karkonoska 59, 53-015 Wroclaw, Poland. You may also file the complaint by person at our office if you wish.
    2. In your complaint, you should shortly describe the matter in question and provide sufficient data for us to identify it. If we are unable to do this, we might ask you to provide further explanation before we answer the complaint.
    3. We will provide an answer to your complaint as soon as possible, not later than in 30 days since it has reached us. In complex matters, we might extend the time to answer for another 30 days, but if we do so, we will notify you of it in the original time of 30 days since we acquired your complaint, explaining why we have found the matter complex. Our answer will be sent by email, or should you request it, by post.
    4. Please note that we do not process the Donation payments ourselves (our payment services are limited to maintaining Fundraiser’s accounts and processing withdrawals). If you have a complaint regarding the Donation payment process, you should file it directly to PayU S.A. or UAB ZEN.COM (depending on the payment method used) The way of filing and processing such a complaint is stated in their terms of service accepted when making a Donation (also available here for PayU S.A. or here for UAB ZEN.COM). You can also post such a complaint to us and we will further it to PayU S.A. or UAB ZEN.COM.

15. OPINIONS AND COMMENTS

    1. Users can post their opinions and comments on the Website (e.g., when making a donation, expressing their views on a particular Fundraiser or blog post).
    2. The content of specific comments and opinions is checked by our employees as part of standard verification activities.
    3. Our employees remove opinions and comments that contain illegal content, i.e. any information that, in itself or in relation to an activity, including the sale of products or the provision of services, is not in compliance with Union law or the law of any Member State which is in compliance with Union law, irrespective of the precise subject matter or nature of that law.
    4. In addition, our employees may also refuse to publish or may delete any content that:
       1. is inconsistent with the subject matter, e.g. with the topic of a particular Fundraiser or blog post;
       2. contains links;
       3. is used to conduct activities competitive to ours, e.g. promoting competitive websites;
       4. is used to conduct prohibited advertising, promotional and marketing activities, in particular by posting advertisements and promoting products, services and projects;
       5. is used to conduct activities prohibited by law, e.g. attempts to fraud and extort funds from other Users;
       6. incites violence against any living beings, including animals, or approves such violence;
       7. propagates any fascist or other totalitarian state system;
       8. incites hatred based on differences of gender, sex, nationality, ethnicity, race, religion or on the basis of irreligiousness, or approves such hatred;
       9. insults a group of people or individual persons because of their gender, sexual, national, ethnic, racial or religious affiliation or because of their lack of any religious denomination;
       10. contains signs of gender discrimination or is of a chauvinistic and/or misogynistic nature;
       11. defames or insults any third party;
       12. violates the personal rights of any third party;
       13. contains explicit language or other content of an offensive nature;
       14. incites or approve dangerous behavior;
       15. offends religious feelings;
       16. may cause discomfort to others, in particular through lack of empathy or respect for other users;
       17. violates the applicable legal order or public decency in any other way.
    5. Explicit language and links to fundraisers organised on crowdfunding websites are automatically removed from the content of opinions and comments (to avoid spam).
    6. Users who consider the content of an opinion or comment published on the Website to be illegal or violating the terms of the Regulations may send us a report regarding this content using the form linked here.
    7. We consider the report and make a decision on the content to which the report relates in a non-arbitrary, objective and timely manner (up to 14 days).
    8. We notify the person who submitted the report about the decision made without undue delay.
    9. Our decision may be to remove the content or leave the content on the Website.
    10. In the case of removal of an opinion or comment, our employee informs the User who was its author about this fact. The user may appeal our decision within 14 days of receiving the reasons for its removal.
    11. The appeal should contain a comprehensive statement of reasons.
    12. We consider appeals within 14 days.
    13. If we become aware of any information giving rise to a suspicion that a criminal offence involving a threat to the life or safety of a person or persons has taken place, is taking place or is likely to take place, we shall promptly inform the law enforcement or judicial authorities of the Member State or Member States concerned of its suspicion and provide all relevant information available.
    14. We have designated an electronic point of contact associated with the Website for direct communication with Member State’s authorities, the Commission and the Board - use this e-mail address: .

16. MISCELLANEOUS

    1. The use of the Website depends on the fulfillment of technical requirements. In order to use our services properly, the User should be in possession of:
    1. a device that allows the User to use the resources of the Internet,
    2. connection to the global Internet network,
    3. an updated web browser that supports SSL-encrypted connections.
    2. Using all or some of the functionalities of the Website may require the installation of software such as Java or JavaScript, as well as accepting cookies in the browser settings and being in possession of an e-mail address and a mobile phone.
    3. If the funds on the Fundraiser’s Account are seized in an enforcement proceeding, we may be forced to transfer them to the competent authority (e.g. bailiff). If the amount of the seizure we are notified of is higher than the Fundraiser’s Account balance at the time of the notice, we may also block the possibility to make Donations to the Fundraiser in order to protect the Supporters from donating to a purpose that will not get realised - unless the Fundraiser’s purpose was to cover the debts of the Organiser.
    4. On the Website it is possible for the Registered Users to comment on the other Users’ Fundraisers. The Organiser of the Fundraiser may at any time block the ability to comment on it, which will also result in hiding all the previous comments. It is forbidden to use derogatory language in the comments, provide illicit content in them (including links to the sites with illegal content), provide links to your own Fundraisers in them (spamming), or to use them to defame or offend anyone. We may delete such comments, and - in extreme cases - delete or suspend the User’s Account of the User.
    5. Due to our legal obligations in anti-money laundering and counter terrorist financing, it is forbidden to use the Fundraisers you create in another way than to collect money from Supporters in order to realize your Project, particularly in order to abuse any special offers or promotions in banks or other payment services providers where you need to make a certain turnover on an account or instrument. The Fundraiser is not intended to serve as a digital wallet where only the Organiser himself would make Donations. Such Fundraisers may be deleted by us, and in extreme cases we may also suspend or delete their Organiser’s User Account.
    6. In the event of the Organiser’s death:
    1. if the Fundraiser was organised to fulfill the Organiser’s private goals - we block the Fundraiser until his heirs come forward. After we acquire a legal proof of their inheritance, we transfer the funds gathered on all such Fundraisers to them and then close the User Account of the deceased Organiser.
    2. if the Fundraiser was organised for a Beneficiary - we may contact the Beneficiary and transfer the amount gathered on the Fundraiser’s Account to them. This constitutes an exception to the role that the Organiser is regarded as an owner of all the funds gathered on the Fundraiser’s Account.
    7. These Regulations are made under Polish law. Unless the law entitles you to pursue your claims against us in your country, the court competent to resolve any matters arising between us shall be the court of our registered office.
    8. These Regulations are made in English which remains their only original language version. Users from non-English speaking regions may be redirected to the machine-translated version of the Website or they may opt to view the Website in their chosen language, which would make it possible to view the Regulations in other languages. In such a case, should an error or ambiguity result from a translation, the original English version of the Regulations shall prevail. The aforementioned rule is also applicable to any other texts, information or communication on the Website.
    9. If, for any reason, we ever decide to permanently terminate our services, we will notify our Users about it. Since that date, it will be impossible to organise new Fundraisers and the already existing Fundraisers will be able to continue for the time indicated in such a notice. After that time, all Fundraisers will be deleted and we will transfer the balances of all Fundraisers’ Accounts to the Organisers’ Bank Accounts.
    10. We can also provide the functionalities of our website in the form of a PWA (Progressive Web Application) available for download from Google Play/App Store. The application in this form is only a channel of access to the Website independent of the web browser, but subject to similar technical requirements as access to the Website using a browser and providing the same functionalities as the Website viewed using a browser. All principles of using the Website specified in these Regulations also apply in the case of downloading and using the application indicated above.

KOSTNAÐUR

Ertu að spá í hvað það kostar að halda fjáröflun á 4fund.com? Þú getur hafið og stjórnað fjáröflun þinni án gjalda! Að setja upp og nota reikning á 4fund.com er 100% ÓKEYPIS fyrir alla . Við gefum þér einstakt tækifæri til að búa til fjáröflun án fyrirframkostnaðar. Að auki er engin þóknun á inn- og úttektum.

Gefendur munu heldur ekki bera nein gjöld eða þóknun , óháð valinni greiðslu. 100% af framlagi þínu rennur til skipuleggjanda söfnunarinnar - það er ekkert skylt viðskiptagjald. Gefendur geta hjálpað til við að knýja 4fund.com með valfrjálsum stuðningi, en það er aldrei krafist.

Í framlags- og úttektarferlinu höfum við bætt við möguleikanum á að styðja 4fund.com - ef þú vilt ekki gefa, færðu stuðningssleðann á núll meðan á greiðslu stendur og meðan á úttekt stendur skaltu ekki haka í gátreitinn til að styðja okkur og hvenær við minnum þig á að styðja með því að auðkenna viðeigandi hluta - veldu 'Nei, takk fyrir'.

Kjarnaþjónusta okkar er algjörlega ókeypis, en sem skipuleggjandi geturðu líka keypt ýmsa kynningar- og endurbætur. Þú getur athugað verð þeirra hér að neðan.

*Áður en þú samþykkir iðgjaldaþjónustu fjáröflunarinnar verður krafist gagna sem sanna trúverðugleika fjáröflunarinnar. Ef þetta er ekki skilað getur iðgjaldaeiginleikum fjáröflunarinnar verið hafnað.

** Kemur bráðum

Gjald fyrir eina skilafærslu er 0,5 evrur.

Allar tilgreindar upphæðir eru brúttófjárhæðir.

RAMMASAMNINGUR

Viðauki nr. 1 - RAMMASAMNINGUR UM GREIÐSLUTJÓNUSTUVEITINGU

1. SKILMÁLAR SEM NOTAÐIR SEM Í SAMNINGNUM

   1. Nema annað sé tekið fram í þessum rammasamningi um greiðsluþjónustu (hér eftir: samningurinn), þá hafa öll hugtök sem notuð eru með hástöfum í honum þá merkingu sem tilgreind er í 1. lið notkunarskilmála 4fund.com (hér eftir: reglugerðirnar), sem samningurinn er viðauki við. Öll lagaleg hugtök sem notuð eru í samningnum hafa þá merkingu sem þeim er gefin í tilskipun Evrópuþingsins og ráðsins (ESB) 2015/2366 frá 25. nóvember 2015 um greiðsluþjónustu á innri markaðnum, um breytingu á tilskipunum 2002/65/EB, 2009/110/EB og 2013/36/ESB og reglugerð (ESB) nr. 1093/2010 og um niðurfellingu tilskipunar 2007/64/EB, sem pólska greiðsluþjónustusamningurinn er innleiðing á.

2. SAMNINGSNIÐURSTAÐA

   1. Samningurinn er gerður milli skipuleggjanda og okkar þegar síðasta af eftirfarandi skilyrðum er uppfyllt:
   1. Skipuleggjandinn hefur lokið auðkennisstaðfestingu eins og kveðið er á um í 3.3. gr. reglugerðarinnar;
   2. Skipuleggjandinn hefur skipulagt sína fyrstu fjáröflun.
   2. Samningurinn er gerður um óákveðinn tíma.

3. UPPLÝSINGAR UM ÞJÓNUSTUVEITANDA

   1. Greiðsluþjónusta sem veitt er á grundvelli samningsins er veitt beint af okkur, þ.e.: Zrzutka.pl sp. z oo, einkahlutafélag (spółka z ograniczoną odpowiedzialnością) með skráð skrifstofu í Póllandi, al. Karkonoska 59, 53-015 Wrocław, með kennitölu (NIP) 8992796896, skráð í fyrirtækjaskrá (KRS) undir númerinu 0000634168.
   2. Við erum greiðsluþjónustuveitandi (krajowa instytucja płatnicza) með leyfi frá pólska fjármálaeftirlitinu (Komisja Nadzoru Finansowego) með leyfisnúmerið IP48/2019. Þú getur athugað stöðu okkar sem greiðsluþjónustuveitanda hér . Við höfum tilkynnt eftirlitsyfirvöldum okkar að við viljum veita greiðsluþjónustu okkar í öllum EES-löndum á grundvelli frelsis til að veita þjónustu yfir landamæri og það var sent öllum fjármálaeftirlitsyfirvöldum á EES-svæðinu. Engin yfirvöld mótmæltu því að við veittum slíka þjónustu í sínu landi né settu okkur nein takmörk á skilmálum þess.

4. UPPLÝSINGAR UM VEITT ÞJÓNUSTU

   1. Samkvæmt skilmálum sem tilgreindir eru í þessum samningi veitum við skipuleggjanda eftirfarandi greiðsluþjónustu:
   1. að viðhalda greiðslureikningi í formi fjáröflunarreiknings fyrir hverja einstaka fjáröflun;
   2. að vinna úr millifærslum vegna greiðslufyrirmæla sem skipuleggjandi gerir - í formi úttekta fjár af reikningi fjáröflunaraðila á bankareikning skipuleggjanda eða bankareikning fasts styrkþega;
   3. að vinna úr millifærslum vegna greiðslufyrirmæla sem skipuleggjandi gerir - í formi endurgreiðslu framlaga til stuðningsaðila;
   4. útgáfu greiðslumiðils í formi virkni vefsíðunnar sem gerir kleift að senda greiðslufyrirmæli.
   2. Skipuleggjandi getur aðeins sent inn greiðslufyrirmæli í gegnum vefsíðuna.
   3. Fé sem skipuleggjandi safnar á reikning fjáröflunaraðilans ber ekki vexti.
   4. Með undantekningum sem tilgreindar eru í reglugerðinni má aðeins nota fé sem safnast hefur á reikning fjáröflunaraðilans til að framkvæma greiðslufyrirmæli skipuleggjanda og a) taka það út á bankareikning skipuleggjanda b) skila því til styrktaraðila c) taka það út á bankareikning fasta styrkþega.
   5. Til að leggja fram greiðslufyrirmæli um úttekt verður skipuleggjandinn fyrst að tengja greiðslukort gefið út af fjármálastofnun sem styður VISA Direct ® eða Mastercard Send ® lausnina við notandareikning sinn eins og lýst er í 4.13. gr. reglugerðarinnar, eða bankareikning eins og lýst er í 4.14. gr. þar.
   6. Millifærslur sem pantaðar eru að upphæð hærri en núverandi innistæða á reikningi fjáröflunaraðilans verða ekki afgreiddar.
   7. Skipuleggjandinn heimilar greiðslufærsluna með því að velja valkostinn „úttekt“ í notandareikningi sínum, stilla úttektarupphæðina og smella á hnappinn „úttekt“. Þar að auki krefst það þess að skipuleggjandinn láti í té auðkenningarkóðann sem sendur er á netfangið eða farsímanúmerið sitt (ef hann gaf upp þetta númer) sem úthlutað er notandareikningnum, til að stofna traustan viðtakanda, panta endurgreiðslur af fjáröflunarreikningi til stuðningsaðila, fá aðgang að staðfestingarflipanum, fá aðgang að skjánum með úttektarsögu (ef hann er notaður í fyrsta skipti eða ef hann á að innihalda úttektarsögu sem er eldri en 90 dagar eða ef meira en 90 dagar eru liðnir frá því að skipuleggjandinn skoðaði síðast upplýsingar um úttektarsögu eða 90 dagar eru liðnir frá því að sterk auðkenning var síðast notuð). Greiðslan eða þjónustan sem vísað er til í fyrri setningu er ekki framkvæmd fyrr en skipuleggjandinn gefur upp auðkenningarkóðann.
   8. Greiðslur eru unnar í evrum.
   9. Hámarksupphæð úttekta er 20.000 evrur. Skipuleggjandinn getur einnig sett sín eigin mörk fyrir stakar og daglegar færslur á notandareikningi sínum.

5. STERK VIÐSKIPTAVINASTAÐFESTING

   1. Þegar staðfesta þarf viðskipti með sterkri auðkenningu viðskiptavinar er auðkenningarkóði búinn til og sendur á netfang skipuleggjanda eða í farsímanúmer hans (ef hann gaf upp það númer).
   2. Auðkenningarkóðinn er gildur í 5 mínútur frá því að hann var búinn til.
   3. Fimm tilraunir í röð til að staðfesta með röngum innskráningarkóða, lykilorði eða auðkenningarkóða leiða til þess að hægt er að staðfesta tímabundið í 30 sekúndur. Tíu slíkar tilraunir leiða til þess að hægt er að staðfesta tímabundið í 30 mínútur.
   4. Ef skipuleggjandinn er óvirkur í 5 mínútur eftir að hafa fengið aðgang að fjáröflunarreikningi sínum, þá er hann sjálfkrafa skráður út.
   5. Eftir að samningnum hefur verið sagt upp munum við eyða innskráningu og lykilorði skipuleggjanda og gera alla auðkenningarkóða óvirka.

6. FRESTAUR TIL AÐ LÝKA GREIÐSLUMÁLUM

   1. Vegna notkunar á MasterCard Send ® og Visa Direct ® lausnum ættu flestar greiðslur (bæði úttektir af reikningi fjáröflunaraðila og innfærsla á hann með framlagi) að vera gerðar nánast í rauntíma. Hins vegar er tryggður frestur til að ljúka greiðslum til loka næsta virka dags eftir að greiðslufyrirmæli hafa verið lögð inn. Ef greiðslufyrirmæli hafa verið lögð inn á frídegi er fresturinn næsti virki dagur eftir fyrsta virka daginn sem fylgir.
   2. Ekki er hægt að afturkalla greiðslufyrirmæli eftir að þau hafa verið heimiluð eins og kveðið er á um í bls. 4.7.

7. UPPLÝSINGASKYLDUR

   1. Eftir að samningurinn hefur verið gerður getur skipuleggjandinn óskað eftir því að við sendum honum prentað eintak af samningnum á póstfang hans eða rafrænt eintak á netfang hans hvenær sem er. Áður en samningurinn er gerður er hann aðgengilegur á vefsíðu okkar hér .
   2. Eftir að greiðsla hefur borist inn á reikning fjáröflunaraðilans og eftir að greiðslufærslunni hefur verið lokið, veitum við skipuleggjanda eftirfarandi upplýsingar:
   1. að bera kennsl á greiðslufærsluna og greiðanda eða viðtakanda greiðslu;
   2. sem tilgreinir upphæð greiðsluviðskiptanna;
   3. varðandi fjárhæð gjalda og þóknana vegna greiðsluviðskiptanna;
   4. þar sem tilgreindur er dagsetning móttöku greiðslufyrirmæla.
   3. Eftir að hafa skráð sig inn á notandareikninginn getur skipuleggjandinn staðfest stöðu greiðslufærslunnar og stöðu á reikningi fjáröflunaraðilans hvenær sem er, að því tilskildu að aðgangur að notandareikningnum sé ekki tiltækur vegna tæknilegrar vinnu sem fyrirhuguð var fyrirfram.
   4. Staðfesting á greiðslufærslunni er gefin út á rafrænu formi og er aðgengileg á vefsíðunni.
   5. Skipuleggjandi getur fengið aðgang að sögu greiðslufærslna sinna hvenær sem er með því að skrá sig inn á notandareikning sinn og velja hnappinn „Fjármál“ í fjáröflun sinni.
   6. Við veitum öllum viðskiptavinum okkar sem eru með neytendastöðu yfirlit yfir öll gjöld sem við innheimtum fyrir greiðslur að minnsta kosti einu sinni á ári. Yfirlitið er sent á netfang skipuleggjanda. Yfirlitið er veitt án endurgjalds. Skipuleggjandinn getur óskað eftir að við sendum prentað eintak af yfirlitinu á póstfang þeirra.

8. GREIÐSLUSJÓNUSTA ÞRIÐJA AÐILA

   1. Við bjóðum upp á okkar eigin greiðsluþjónustu, eins og fram kemur í lið 4.1., eingöngu fyrir skipuleggjanda. Greiðsluþjónustan sem krafist er til að leggja fram framlag til fjáröflunar er veitt af þriðja aðila - PayU SA, með skráða skrifstofu í Poznań, 60-166 Poznań, á ul. Grunwaldzka 186, leyfisbundnum greiðsluþjónustuaðila, undir eftirliti pólsku fjármálaeftirlitsins, skráð í skrá yfir greiðsluþjónustuaðila undir númerinu IP1/2012, með kennitölu (NIP) númerinu 7792308495, skráð í fyrirtækjaskrá (KRS) undir númerinu 0000274399 eða UAB ZEN.COM, með skráða skrifstofu í Vilnius, LT-09320, á Lvivo g. 25-104, löggilt fjármálastofnun undir eftirliti Seðlabanka Litháens, leyfi rafeyrisstofnana númer LB000457, skráningarnúmer fyrirtækisins 304749651, VSK númer LT100011714916. Þú getur athugað stöðu greiðsluþjónustuveitanda þeirra hér . Við greiðum þó öll gjöld PayU SA og UAB ZEN.COM fyrir slíkar færslur - ekkert gjald er innheimt af stuðningsaðilanum.

9. GJÖLD OG KOSTNAÐUR

   1. Við innheimtum engin gjöld eða þóknun fyrir greiðsluþjónustu sem tilgreind er í lið 4.1 og við greiðum öll gjöld PayU SA eða UAB ZEN.COM sem innheimt eru fyrir greiðsluþjónustu sem krafist er til að leggja fram framlag. Við munum í staðinn biðja stuðningsaðila og skipuleggjendur um að leggja fram sérstakt framlag til okkar þegar þeir leggja fram greiðslufyrirmæli. Þetta framlag er algjörlega valfrjálst, sem þýðir að ef þú hafnar því mun það á engan hátt hafa áhrif á vinnslu eða frágang greiðslufyrirmælanna.
   2. Við innheimtum gjöld fyrir sumar aukagjaldþjónustur, sem eru ekki greiðsluþjónusta en geta haft jákvæð áhrif á sýnileika eða vinsældir fjáröflunar þinnar. Slíkar þjónustur og samsvarandi gjöld eru talin upp í viðauka nr. 2 við reglugerðina - töflu yfir gjöld og gjöld.

10. Þjónustuhöfnun

    1. Við getum hafnað eða frestað framkvæmd greiðslufyrirmæla eftir að þau hafa verið heimiluð ef:
    1. greiðslufyrirmælin hafa verið lögð fram á annan hátt en samkvæmt þeirri málsmeðferð sem kveðið er á um í samningnum (t.d. með tölvupósti, skriflega);
    2. Innstæða á reikningi fjáröflunaraðilans er ófullnægjandi til að framkvæma greiðslufyrirmælin;
    3. Möguleikinn á að taka út peninga og/eða taka við framlögum er tímabundið lokaður í þeim tilvikum sem tilgreind eru í reglugerðinni;
    4. við höfum ástæðu til að gruna að greiðslufyrirmælin séu afleiðing svika, einkum að óviðkomandi aðili hafi fengið aðgang að notandareikningi skipuleggjanda;
    5. Við erum takmörkuð við að vinna úr færslum skipuleggjanda samkvæmt gildandi reglum um peningaþvætti og fjármögnun hryðjuverka, sérstaklega þegar við getum ekki beitt áreiðanleikakönnun viðskiptavina (t.d. til að staðfesta uppruna fjárins í fjáröfluninni eða tilgang skipuleggjanda með því að nota þjónustu okkar).
    2. Skipuleggjandi verður upplýstur um synjun á framkvæmd greiðslufyrirmæla í gegnum notandareikning sinn. Ef lögin takmarka okkur ekki frá því að veita slíkar upplýsingar munum við tilgreina ástæðu synjunar eða frestunar á framkvæmd greiðslufyrirmæla, sem og benda á leið til að leiðrétta greiðslufyrirmælið þannig að það verði framkvæmt.
    3. Viðskiptavininum er hér með tilkynnt að auk þess að hafna eða fresta framkvæmd greiðslufyrirmæla erum við skyldug til að tilkynna lögbærum yfirvöldum, þar á meðal löggæslu, um alla ólöglega hegðun varðandi notkun greiðsluþjónustu okkar sem við vitum um eða höfum rökstudda grunsemdir um.
    4. Við berum ekki ábyrgð á höfnun eða frestun framkvæmdar greiðslufyrirmæla ef það hefur verið byggt á ástæðum sem tilgreindar eru hér að ofan eða ef það stafar af fyrirmælum um það frá lögbærum yfirvöldum sem starfa innan ramma laga.

11. ÖRYGGI GREIÐSLUMÁLA

    1. Öryggi í rekstri vefsíðunnar, þar með talið öryggi samskipta, er tryggt einkum með því að: a) nota hugbúnað sem gerir kleift að stjórna upplýsingaflæði milli upplýsingakerfis rekstraraðilans og almenna netsins, b) tryggja að viðskiptavinurinn noti vefsíðuna á þann hátt að komið sé í veg fyrir óheimilan aðgang að efni skilaboðanna, c) tryggja auðkenningu viðskiptavina að minnsta kosti með því að gefa upp lykilorð og innskráningu.
    2. Notkun viðskiptavinarins á vefsíðunni er gerð á þann hátt að komið sé í veg fyrir óheimilan aðgang að efninu, einkum með dulkóðaðri SSL-tengingu.
    3. Greiðslufyrirmælin eru tryggð á vefsíðunni með: a) auðkenningu viðskiptavinarins, b) heimild viðskiptavinarins fyrir greiðslufyrirmælunum.
    4. Lykilorðið að notandareikningnum og auðkenningarkóðinn: a) eru eingöngu ætluð viðskiptavininum, b) má ekki afhenda þriðja aðila á nokkurn hátt, þar með talið fjölskyldumeðlimum, c) eru ekki þekkt yfirvöldum eða starfsmönnum okkar, né öðrum aðilum sem starfa fyrir okkar hönd, d) eru send í samræmi við verklagsreglur sem tryggja trúnað þeirra við notkun tölvuforrita, og að öflun upplýsinga um annað þeirra leyfir ekki að öflun upplýsinga um hitt á sama tíma.
    5. Við notum örugga aðferð til að tilkynna viðskiptavininum ef upp koma svik eða grunur um svik eða öryggisógnir. Slík tilkynning verður aðgengileg á notandareikningnum eftir innskráningu og við munum láta viðskiptavininn vita af henni með SMS (ef viðskiptavinurinn gaf upp símanúmer sitt) eða tölvupósti án þess að upplýsa um innihald tilkynningarinnar.
    6. Aðferðin sem lýst er í bls. 11.5 hér að ofan verður einnig notuð til að tilkynna viðskiptavininum um alvarleg brot eða atvik í upplýsingatækniöryggi sem gætu haft áhrif á fjárhagslega hagsmuni hans eða gagnaheilleika.

12. SKYLDUR VIÐSKIPTAVINS VARÐANDI ÖRYGGI GREIÐSLUTJÓNUSTU

    1. Viðskiptavinurinn verður að geyma persónuupplýsingar sínar á öruggan og vandlega hátt, þannig að hann hafi aðgang að notandareikningnum (innskráningu, lykilorði) og aðgang að auðkenningarkóðum, líffræðilegum gögnum eða öðrum persónubundnum öryggisupplýsingum á þann hátt að enginn annar hafi aðgang að þeim.
    2. Viðskiptavinurinn ætti að nota vírusvarnarhugbúnað, eldveggi og viðeigandi öryggisuppfærslur til að tryggja öryggi greiðslufyrirmæla sem sendar eru inn, sem og greina alvarlegar ógnir og áhættur sem stafa af niðurhali hugbúnaðar af internetinu ef viðskiptavinurinn er ekki viss um að hugbúnaðurinn sé áreiðanlegur og hafi ekki verið breytt.
    3. Viðskiptavinurinn ætti aðeins að nota áreiðanlega vefsíðu, þ.e. með vottorði sem tilgreinir gögnin okkar. Viðskiptavinurinn ætti að ganga úr skugga um að hann hafi ekki verið vísaður (t.d. úr tölvupósti sem kemur ekki frá okkur) á óáreiðanlega síðu.
    4. Viðskiptavininum er óheimilt að afhenda öðrum persónuupplýsingar sínar eða veita þeim aðgang að tækjum sem viðskiptavinurinn notar að því marki að það myndi gera kleift að framkvæma greiðslur með notandareikningnum (nema fyrir utanaðkomandi þjónustuaðila ef nauðsyn krefur).
    5. Viðskiptavinurinn er skyldugur til að athuga réttmæti greiðsluupplýsinga (t.d. greiðsluupphæð, dagsetning) áður en hann heimilar hana.
    6. Viðskiptavinurinn má ekki nota utanaðkomandi forrit og aðferðir til að muna innskráningar-, lykilorðs- eða auðkenningarkóða og aðrar persónulegar öryggisupplýsingar í tölvunni, símanum eða öðru farsíma sem viðskiptavinurinn notar til að fá aðgang að notandareikningi sínum.
    7. Ef viðskiptavinur verður þess áskynja eða hefur réttmætar ástæður til að gruna að þriðji aðili hafi komist yfir gögn hans sem gera honum kleift að skrá sig inn á vefsíðuna, þar á meðal innskráningar- eða lykilorðsupplýsingar, ætti viðskiptavinurinn tafarlaust að tilkynna það okkur á og breyta innskráningar- og lykilorðsupplýsingum sínum.
    8. Ef viðskiptavinur grunar að (hugsanlega) sviksamleg færsla, grunsamlegur atburður eða óvenjulegar aðstæður hafi átt sér stað á meðan hann notaði þjónustu á vefsíðunni og að reynt hafi verið að nota mannlegar aðferðir til að afla upplýsinga eða leita að upplýsingum í netum til að fremja svik eða fá óheimilan aðgang að tölvu eða neti (félagsverkfræðiárásir), ætti hann tafarlaust að tilkynna okkur það á .
    9. Viðskiptavinurinn er skyldugur til að tilkynna öll tilvik óheimilaðra eða ranglega innleiddra eða framkvæmdra greiðsluviðskipta án ótilhlýðilegrar tafar um leið og hann verður vitni að slíkri greiðsluviðskiptum, en eigi síðar en innan 13 mánaða frá þeim degi sem söfnunarreikningur hans var skuldfærður eða frá þeim degi sem færslan átti að fara fram. Ef viðskiptavinurinn tilkynnir ekki innan þessa tíma fellur niður kröfur hans á hendur okkur vegna óheimilaðrar, óframkvæmdrar eða ranglega framkvæmdrar greiðsluviðskipta.
    10. Samskipti í gegnum tölvupóst, á netfang viðskiptavinarins, sem og í gegnum notandareikning á vefsíðunni, eru öruggar samskiptaleiðir milli okkar og viðskiptavinarins í því skyni að tryggja rétta og örugga notkun greiðsluþjónustu. Öll skilaboð varðandi greiðsluþjónustu okkar sem send eru í gegnum aðra rás eru ekki áreiðanleg.
    11. Við munum bregðast við öllum tilkynningum viðskiptavina sem lýst er hér að ofan á þann hátt sem kveðið er á um í lið 12.10. Á sama hátt munum við tilkynna viðskiptavininum um (hugsanlega) sviksamlega færslur eða að þær hafi ekki verið framkvæmdar, og einnig vara við árásum, t.d. netveiðum eða félagslegum verkfræðiárásum, sem og upplýsa viðskiptavini um allar breytingar á öryggisferlum okkar.

13. ÁBYRGÐ VIÐSKIPTAVINS VEGNA ÓHEIMILDA VIÐSKIPTA

    1. Viðskiptavinurinn er skyldugur til að tilkynna okkur tafarlaust um tap, þjófnað, misnotkun eða óheimila notkun greiðslumiðilsins eða óheimilan aðgang að honum með tölvupósti á eða í síma 00 48 570 575 131.
    2. Þangað til við fáum tilkynninguna sem lýst er hér að ofan ber viðskiptavinurinn sem er greiðandi ábyrgð á óheimiluðum greiðslufærslum allt að 50 evrum, ef óheimila greiðslan er afleiðing af:
    1. greiðslumiðill týnist eða týnist frá viðskiptavini;
    2. greiðslumiðill misnotaður.
    3. Viðskiptavinurinn ber ekki ábyrgð eins og lýst er hér að ofan ef:
    1. þeim tókst ekki að staðfesta týnd, þjófnað eða misnotkun greiðslumiðilsins áður en greiðslan fór fram, nema þegar viðskiptavinurinn gerði það af ásettu ráði eða;
    2. Tap á greiðslumiðli áður en greiðsla var framkvæmd varð vegna athafna eða athafnaleysis starfsmanns okkar eða einhvers verktaka okkar sem styður okkur við að veita greiðsluþjónustuna (t.d. gagnageymslu, upplýsingatækniverktaka)
    4. Eftir að tilkynningin, sem um getur í lið 12.1 hér að ofan, hefur verið lögð fram ber viðskiptavinur sem er greiðandi ekki ábyrgð á óheimiluðum greiðslufærslum, nema hann hafi valdið þeim af ásettu ráði.
    5. Viðskiptavinur sem er greiðandi ber ábyrgð á óheimiluðum greiðslufærslum að upphæð ef þær eru af ásettu ráði gripið til eða ef þær eru afleiðing af ásettu ráði misferli hans eða grófu gáleysi gagnvart að minnsta kosti einni af þeim skyldum sem tilgreindar eru í samningnum. Í því tilviki gilda ekki liðir 12.3 og 12.4 hér að ofan.
    6. Ef við gerum ekki kröfu um sterka auðkenningu viðskiptavina, ber viðskiptavinurinn sem er greiðandi ekki ábyrgð á óheimilum greiðslufærslum, nema viðkomandi hafi gert það af ásettu ráði.
    7. Ef við veitum ekki viðeigandi leiðir til að tilkynna eins og um getur í lið 13.1 hér að ofan, ber viðskiptavinurinn sem er greiðandi ekki ábyrgð á óheimiluðum greiðslufærslum, nema hann hafi valdið þeim af ásettu ráði.

14. ÁBYRGÐ OKKAR VEGNA ÓHEIMILDA VIÐSKIPTA

    1. Ef um óheimila greiðslufærslu er að ræða munum við tafarlaust – eigi síðar en fyrir lok fyrsta virka dags frá þeim degi sem við komumst að því að óheimila greiðslufærsla hefði átt sér stað sem var gjaldfærð á reikning fjáröflunaraðilans, eða frá þeim degi sem viðeigandi tilkynning barst – endurgreiða viðskiptavininum upphæð óheimilu greiðslufærslunnar, nema við höfum rökstuddar og skjalfestar ástæður til að gruna svik og höfum tilkynnt lögbærum löggæsluyfirvöldum um það skriflega. Við munum endurgera skuldfærða fjáröflunarreikninginn eins og óheimila greiðslan hefði ekki átt sér stað og færa hann inn á gildistíma eigi síðar en þann dag sem upphæð óheimilu greiðslufærslunnar var skuldfærð á hann.
    2. Ef greiðslufyrirmælin eru lögð fram beint af viðskiptavininum sem er greiðandi, berum við ábyrgð gagnvart honum ef greiðslufærslan er ekki framkvæmd eða ekki er framkvæmd á réttan hátt, nema:
    1. viðskiptavinurinn vanrækir að tilkynna okkur eins og um getur í 12.7 - 12.9 eða 13.1. gr.;
    2. vanefndir eða óviðeigandi framkvæmd greiðsluviðskiptanna stafa af óviðráðanlegum atvikum eða stafa af lagaákvæðum;
    3. við getum sannað að upphæð greiðsluviðskiptavinarins hafi verið færð inn á reikning viðtakanda eigi síðar en fyrir lok næsta virka dags eftir að greiðslufyrirmælin bárust.
    3. Ef við berum ábyrgð samkvæmt 14.2. gr. munum við endurgreiða skuldfærða fjáröflunarreikninginn eins og greiðslufærslan hefði ekki átt sér stað eða verið óviðeigandi framkvæmd. Ef það þýðir að innheimta fjáröflunarreikninginn má gildisdagur innheimtu hans ekki vera síðar en skuldfærsla hans.
    4. Ef um er að ræða greiðslufærslu sem ekki er framkvæmd eða ekki er framkvæmd á réttan hátt, óháð ábyrgð okkar, munum við, að beiðni greiðanda, tafarlaust grípa til aðgerða til að rekja greiðslufærsluna og tilkynna greiðanda um niðurstöður okkar án endurgjalds.
    5. Ábyrgð okkar sem tilgreind er í þessum lið nær einnig til allra vaxta eða gjalda sem viðskiptavinurinn hefur verið rukkaður um vegna þess að við höfum ekki framkvæmt greiðslufyrirmæli eða framkvæmd þeirra á þeim á óviðeigandi hátt.

15. KVARTANIR VARÐANDI GREIÐSLUTJÓNUSTU

    1. Ef þú telur að greiðsluþjónusta okkar hafi verið veitt þér á braut gildandi lög, á óheiðarlegan hátt, villandi hátt eða ef þú ert á einhvern hátt óánægður með gæði hennar, getur þú sent okkur kvörtun. Kvörtunina má senda á pappír með því að pósta henni á: Zrzutka.pl sp. z oo, al. Karkonoska 59, 53-015 Wroclaw, Pólland, eða með tölvupósti á .
    2. Kvörtunin ætti að vera nógu ítarleg og innihalda allar nauðsynlegar upplýsingar til að bera kennsl á þig sem notanda greiðsluþjónustu okkar (þ.e. netfangið sem er tengt notandareikningnum þínum) sem og þjónustuna sem þú telur að hafi ekki verið framkvæmd eða ekki verið framkvæmd á réttan hátt, ástæður fyrir slíkri skoðun og væntingar þínar um lausn málsins.
    3. Við gætum beðið þig um að skýra eða tilgreina upplýsingarnar sem tilgreindar eru hér að ofan ef kvörtun þín inniheldur þær ekki. Í því tilviki hefst frestur okkar til að fjalla um kvörtun þína þegar þú hefur lokið við að fylla út þessar upplýsingar.
    4. Við munum svara kvörtun þinni eigi síðar en 30 dögum eftir að við móttökum hana. Í sérstaklega flóknum málum, þar sem við getum ekki svarað þér innan 30 daga, getum við framlengt þennan frest í allt að 60 daga eftir að við móttökum kvörtunina. Ef svo er munum við hins vegar láta þig vita að við teljum málið flókið - og útskýra hvers vegna - eigi síðar en 30 dögum eftir að við móttökum kvörtunina.
    5. Ef okkur tekst ekki að svara kvörtun þinni innan ofangreinds frests er gengið út frá því að við höfum fallist á afstöðu þína og samþykkt kröfur þínar.
    6. Við munum svara kvörtun þinni á pappír ef við höfum póstfang þitt eða þú hefur gefið okkur það í kvörtuninni, nema þú hafir skýrt krafist þess að við sendum þér svar okkar í tölvupósti.
    7. Ef þú ert ekki ánægður með hvernig við höfum meðhöndluð kvörtun þína getur þú sent kvörtun til fjármálaráðgjafans (nánari upplýsingar hér ) eða til pólska fjármálaeftirlitsins (nánari upplýsingar hér ). Þú getur einnig notað evrópska netvettvanginn fyrir lausn deilumála sem er aðgengilegur hér .

16. SAMSKIPTI

    1. Við höfum samskipti við viðskiptavini okkar:
    1. í gegnum vefsíðuna með því að birta upplýsingar í notandareikningi skipuleggjanda
    2. með tölvupósti sem sendur er á netfang viðskiptavinarins sem tilgreint var við skráningu notandareiknings.
    2. Þú getur haft samband við okkur með því að senda tölvupóst á eða með því að senda bréf til: Zrzutka.pl sp. z oo, al. Karkonoska 59, 53-015 Wroclaw, Pólland

17. BREYTINGAR Á SAMNINGI

    1. Við áskiljum okkur rétt til að gera breytingar á samningnum vegna mikilvægra ástæðna, svo sem nýrra lagalegra krafna eða breytinga á þjónustu okkar. Við munum tilkynna viðskiptavinum um slíkar breytingar eigi síðar en 2 mánuðum fyrir gildistöku. Ef þú ert ekki sammála breytingunum geturðu tilkynnt okkur að þú andmælir þeim með því að senda tölvupóst á . Þú getur sagt upp samningnum hvenær sem er þar til breytingarnar taka gildi. Ef þú lýsir því yfir að þú samþykkir ekki breytingarnar en segir honum ekki upp, verður samningnum þínum sagt upp deginum áður en breytingarnar taka gildi. Engin gjöld eru innheimt vegna uppsagnar samningsins.
    2. Ef einhverjar af breytingunum sem gerðar eru á samningnum hafa áhrif á gjöld eða gjöld sem lögð eru á greiðsluþjónustu munum við afhenda viðskiptavinum ítarlegt skjal þar sem ný gjöld eru tilgreind.

18. SAMNINGSUPPHÖNG

    1. Viðskiptavinurinn getur sagt upp samningi sínum hvenær sem er með því að eyða notandareikningi sínum eða með því að senda okkur skriflega yfirlýsingu um uppsögn samningsins á póstfang okkar.
    2. Við getum sagt upp samningnum hvenær sem er, án þess að tilgreina ástæðu, með að minnsta kosti tveggja mánaða uppsagnarfresti með yfirlýsingu á pappír eða öðrum varanlegum miðli, þar á meðal með því að senda hana á netfang viðskiptavinarins.
    3. Við getum sagt upp samningnum án fyrirvara ef:
    1. við ákveðum að loka aðgangi notandans af ástæðum sem fram koma í reglugerðinni vegna þess að skipuleggjandinn brýtur gegn lögum eða ákvæðum reglugerðarinnar;
    2. Við ákváðum að beiting áreiðanleikakönnunar viðskiptavina, sem krafist er samkvæmt gildandi reglum um aðgerðir gegn peningaþvætti og fjármögnun hryðjuverka, sé ekki möguleg í tilteknu tilviki.
    4. Ef viðskiptavinurinn riftir samningnum er aðeins hægt að rifta honum þegar allt fjármagn sem safnað hefur verið á reikningi fjáröflunaraðilans hefur verið tekið út eða endurgreitt til stuðningsaðila.
    5. Ef við riftum samningnum getum við framkvæmt nauðungarúttektir fjárins af öllum söfnunarreikningum skipuleggjanda yfir á bankareikning skipuleggjanda. Við munum framkvæma slíkar úttektir nema við höfum gildar ástæður til að gruna að fjármunir sem safnast hafa á reikning söfnunaraðilans komi frá ólöglegum uppruna eða séu sviknir og höfum tilkynnt lögbærum löggæsluyfirvöldum um það, en í því tilviki geta fjármunir fallið undir ákvæði slíkra yfirvalda eða verið endurgreiddir til stuðningsaðila.
    6. Ef við riftum samningnum munum við senda yfirlit yfir öll gjöld sem við höfum innheimt fyrir greiðslur skipuleggjanda frá þeim tíma sem síðasta yfirlitið var afhent honum, eigi síðar en 2 vikum eftir að samningnum var sagt upp, með tölvupósti.

19. ÝMISLEGT

    1. Samningurinn er gerður á ensku, sem er eina upprunalega útgáfan. Þetta á einnig við ef notandinn skoðar vélþýdda útgáfu vefsíðunnar eins og kveðið er á um í 15.7. gr. reglugerðarinnar. Hægt er að skoða ensku upprunalegu útgáfuna af samningnum eftir að tungumál vefsíðunnar hefur verið breytt í ensku. Samskipti okkar og viðskiptavinarins eru á ensku nema við komumst að samkomulagi um að halda þeim áfram á öðru tungumáli. Til þæginda fyrir viðskiptavini geta skilaboð til viðskiptavina sem skoða vefsíðuna á öðrum tungumálum en ensku innihaldið vélþýdda þýðingu á skilaboðunum á valið tungumál. Í slíkum tilvikum er upprunalegt tungumál skilaboðanna enn enska. Ef viðskiptavinurinn telur efni skilaboðanna óskiljanlegt eða tvírætt ætti hann að skipta um tungumál á vefsíðunni yfir í ensku til að fá frekari skilaboð á ensku og skrifa á til að fá ensku upprunalegu útgáfuna af fyrri skilaboðunum sem hann fékk.
    2. Ef viðskiptavinurinn hefur ekki stöðu neytanda gilda eftirfarandi greinar greiðsluveitunnar ekki: 34. gr., 35.-37. gr., 40. gr. 3. og 4. liður, 45. gr., 46. gr. 2.-5. liður, 47. gr., 48. gr., 51. gr. og 144.-146. gr. Ef um er að ræða viðskiptavini sem eru ekki neytendur er frestur til að tilkynna um óheimilar, óframkvæmdar eða óréttmætar greiðslur, að því tilskildu að kröfur vegna slíkra greiðsluviðskipta fyrnist, 14 dagar frá þeim degi sem Bandaríkin móttöku greiðslufyrirmælanna.
    3. Samningurinn er gerður samkvæmt pólskum lögum.
    4. Ef viðskiptavinurinn er ekki neytandi skulu öll ágreiningsmál sem tengjast samningnum lúta úrlausn fyrir almennum dómstólum sem eru lögbærir á skráðum heimilisfangi okkar.

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