Terms and conditions

1. General provisions.

1.1. Onlinekantorkurs.pl is a safe form of payment services and currency exchange via the Internet. Using the Service for purposes other than ordering payment services, buying and selling currencies electronically is prohibited. Using the Service's services for purposes other than ordering payment services and exchanging currencies electronically is prohibited.

1.2. The Operator provides currency exchange services in accordance with the rates provided on the Service's website, using funds transferred electronically by the User and the Operator to their bank accounts. The User is responsible for the correctness of the User's data. The terms of use of these services are specified exclusively in these Regulations.

1.3. onlinekantorkurs.pl provides services electronically in accordance with the Regulations.

1.4. These Regulations are a document that applies to all Users who use currency exchange services provided by the Service electronically, in accordance with the requirements of the Act on the provision of services electronically.

1.5. The Regulations define the principles of providing services by onlinekantorkurs.pl to Users via the onlinekantorkurs.pl Service, the rights and obligations of the Users of the onlinekantorkurs.pl Service, as well as the rights, obligations and scope of liability of the User, as the entity using the onlinekantorkurs.pl services, and onlinekantorkurs.pl, as the entity managing and running the Service.

1.6. The Regulations are available to Users free of charge before concluding an agreement for the provision of services by electronic means. They can be obtained via the Service in a form that allows obtaining, reproducing and recording the content using the teleinformatic system used by Users. The Regulations can be saved or printed by Users at any time.

1.7. At the time of registration, each User of the Service is obliged to familiarize themselves with the content of these Regulations and to submit a declaration of will to accept its provisions in the form of checking the checkbox.

1.8. Accepting the Regulations, completing the registration process on the Website and creating a User Account means that the User enters into an agreement with the Operator for the provision of services electronically for an indefinite period, without specifying a minimum duration of the agreement.

1.9. The User must declare that the data provided in the Registration process is true and that he or she is not allowed to use the Operator's services anonymously.

1.10. When using the services of the onlinekantorkurs.pl Website, each User is obliged to act in accordance with applicable law, principles of good conduct, respect for intellectual property rights and the prohibition of providing content of an illegal nature that may violate the rights or interests of third parties.

1.11. Using the Website is free of charge, with the exception of fees related to the execution of transactions by the Operator on behalf of the User or on his or her behalf and other expenses in the form of bank commissions.

1.12. The name of the Website, the way it functions, its graphic appearance, software and database are fully protected by law.

2. Definitions The terms used in the Regulations mean:

2.1. Operator - owner of the Service onlinekantorkurs.pl - KURS SP. Z O.O. with its registered office in Katowice, ul. Andrzeja Mielęckiego 10 lok. 402, 40-013 Katowice, registered in the District Court Katowice - Wschód in Katowice, 8th Commercial Division of the National Court Register under KRS number 0001025251, NIP: 0001025251, REGON: 0001025251. Share capital: PLN 1,780,000.00 (paid in full).

2.2. Service - is an internet service, run at http://www.onlinekantorkurs.pl, which is managed by the Operator and enables Users to use payment services and online currency exchange. The terms of providing these services are specified in these Regulations.

2.3. Functions and Objectives of the Service - the main function of the Service is to systematize data during transactions between the Operator and the User, in connection with which the service operates for the internal accounting of the Operator's activities and compliance with the AML procedure and other requirements of the Act.

2.4. Service Working Time - a period of time covering each business day, from 8:30 a.m. to 4:30 p.m., during which the Service provides the indicated services.

2.5. Business Day - each day from Monday to Friday, excluding public holidays in Poland.

2.6. Services - these are services provided by the operator of the onlinekantorkurs.pl Service to users, including placing and executing orders for online currency exchange transactions and any other services directly related to them. Services provided by the Service are considered to have been performed in a proper manner, on time and in full after the occurrence of at least one of the following events: the amount at the time when the Operator sends a payment order to its bank in order to transfer funds to the customer; when the Operator accepts a payment order in online bankingwebsite, mobile application or makes a transfer to the data provided by the customer; at the time of cash withdrawal at the Customer Service Office.

2.7. Customer Service Office – a unit in the organizational structure of the Operator, whose task is to provide User service, including, among others, providing the User with assistance and information necessary to perform the Agreement. The Office enables contact with the Operator on the days and hours indicated on the Service website, directly at the registered office of KURS SP. Z O.O. with its registered office in Katowice, ul. Andrzeja Mielęckiego 10 lok. 402, 40-013 Katowice, as well as in writing to the following address: KKURS SP. Z O.O. with its registered office in Katowice, ul. Andrzeja Mielęckiego 10 lok. 402, 40-013 Katowice,.antor Kurs Sp. z o.o., by phone at (+48) 32 341 06 10 or by e-mail to the following address: kontakt@onlinekantorkurs.pl.

2.8. Agreement – ​​an agreement for the provision of electronic services concerning individual currency exchange transactions within the Account functionality, concluded between the Operator and the User in accordance with the registration procedure on the Website. The Agreement is concluded upon acceptance of the Regulations, the registration process on the Website and the creation of the User Account.

2.9. User – is exclusively an adult natural person with full legal capacity, a legal person or an organizational unit without legal personality, to which the law grants legal capacity, meeting the conditions specified in the Regulations, who has accepted its provisions and has registered on the Website, as a result of which a User Account has been created for him/her.

2.10. Beneficial Owner – a natural person who exercises control over the User within the meaning of the provisions of the Act on Counteracting Money Laundering and Terrorism Financing.

2.11. User Account – a record account, which is made available and assigned to each User as a result of the Registration process, is maintained on the Website onlinekantorkurs.pl. This account enables the User to manage data and place currency exchange orders online within the scope of the Services provided by the Operator through the Customer Panel. To gain access to the account, the User must enter their Login and Password.

2.12. Transaction - purchase or sale of foreign currency carried out by the User via the onlinekantorkurs.pl Service, taking place directly between the Operator and the User.

2.13. Confirmation of transaction - proof of purchase/sale of currency in the form of a bill, which can be downloaded and printed from the Customer Panel, and also received electronically in the form of a link, sent to the User's e-mail address indicated in the Customer Panel.

2.14. Transfer - is the transfer of funds from one bank account to another account, which can be in the same or another bank, as well as by depositing / spending money at the Customer Service Point.

2.15. Bank account - a bank account maintained for the User, in accordance with applicable legal regulations, by a bank with its registered office or branch in the Republic of Poland, the user of which is the holder or proxy.

2.16. Residents - a natural person residing in the country and a legal person with its registered office in the country, as well as another entity with its registered office in the country, with the capacity to incur obligations and acquire rights in its own name; residents also include branches, representative offices and enterprises established by non-residents located in the country, including Polish diplomatic missions, consular offices and other Polish representative offices and special missions enjoying diplomatic or consular immunities and privileges.

2.17. Non-residents - natural persons residing abroad, legal persons with their registered office abroad, as well as other entities with their registered office abroad, with the capacity to incur obligations and acquire rights in their own name. Non-residents also include branches, representative offices and enterprises located abroad, established by residents, as well as foreign diplomatic missions, consular offices, other foreign representations, special missions and international organisations enjoying diplomatic or consular immunities and privileges.

2.18. A person occupying a politically exposed position - a natural person elected in an election or appointed to perform public functions, who influences political decisions or is responsible for their implementation. A politically exposed position may include positions in legislative, executive or judicial bodies, as well as in a political party or trade union organisation.

2.19. A close associate of a person occupying a politically exposed position - a natural person: who is a beneficial owner of legal persons, organisational units without legal personality or trusts, jointly with a person occupying a politically exposed position or having other close relationships with such person related to the business activity conducted; being the sole beneficial owner of legal persons, organizational units without legal personality or trusts known to have been established for the purpose of obtaining an actual benefit by a person occupying a politically exposed position.

2.20. Family member of a person occupying a politically exposed position - this shall be understood as: a spouse or a person in cohabitation with a person occupying a politically exposed position; a child of a person occupying a politically exposed position and his/her spouse or a person in cohabitation; parents of a person occupying a politically exposed position.

2.21. Registered Transaction is a transaction above the threshold - a transaction that must be registered in accordance with the requirements of the Act on Counteracting Money Laundering and Terrorist Financing, hereinafter referred to as the "Act", due to its value exceeding EUR 15,000, also when it is carried out using more than one operation, the circumstances of which indicate that they are related to each other and have been divided into operations of lower value with the intention of avoiding the obligation to register or due to the occurrence of circumstances indicating that it may be related to money laundering or terrorism financing, regardless of its value and nature.

2.22. GIIF - General Inspector of Financial Information, referred to in the Act of the Republic of Poland.

2.23. GDPR - Regulation of the European Parliament and of the Council (EU) of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data and repealing Directive 95/46/EC (General Data Protection Regulation).

2.24. Personal Data Protection Act - Act of 10 May 2018 on the Protection of Personal Data (Journal of Laws 2018, item 1000, as amended).

2.25. Act on the Provision of Electronic Services - Act of 18 July 2002 on the Provision of Electronic Services (Journal of Laws of 2016, item 1030, as amended).

2.26. Act on Counteracting Money Laundering and Terrorism Financing - Act of 1 March 2018 on Counteracting Money Laundering and Terrorism Financing (Journal of Laws 2018, item 723, as amended), hereinafter referred to as the Act.

Technical conditions for interaction with the Operator's IT system, it is necessary to meet technical conditions.

3.1. Before using the services offered by the onlinekantorkurs.pl service, the User must have the appropriate tools:

3.1.1. A computer or mobile device equipped with a web browser that supports an encrypted SSL connection.

3.1.2. Access to the Internet, including a program for browsing its resources and accepting Cookies.

3.1.3. A current e-mail address.

3.1.4. A program for reading PDF files.

3.2. The Operator reserves the right to make changes to the technical requirements related to providing Services electronically.

3.3. The Operator is not responsible for the User's failure to comply with the technical requirements specified in the Regulations.

3.4. The User consents to the onlinekantorkurs.pl Service storing small text files called cookies on their computer, which are necessary for the correct provision of Services by the Service. These files do not affect the User's computer settings, do not install or remove any computer programs or viruses, are not processed by other Internet portals and can be removed by the User at any time.

3.5. By agreeing to these Regulations, in implementation of art. 6 of the Act on the provision of services by electronic means, the User is aware of the risks associated with the use of the service provided by electronic means, such as the leakage of personal data in connection with unauthorized access by third parties to the Service, technical devices of the User or the Operator, or other actions beyond the control of the Operator.

User registration and verification.

4.1. The agreement for the provision of services offered by the Operator on the Service is concluded via the website of the Service onlinekantorkurs.pl. The agreement is concluded for an indefinite period without a minimum duration.

4.2. The agreement between the Operator and the User permanently becomes an initial service after accepting the Regulations in the form of checking the checkbox, registering on the Service and creating a User Account.

4.3. The Operator ensures the security of the system operation and takes actions to increase the security of communication with the Service onlinekantorkurs.pl.

4.4. In order to register on the Service, the registration form available on the Service website https://onlinekantorkurs.pl/rejestracja must be correctly completed. Then, the entity making the Registration must submit a statement (in the form of checking the checkbox) familiarization with the Regulations and accept its provisions.

4.5. To create a user account, you must provide your e-mail address and a password of your choice. In order to ensure the security of the account, the password must consist of at least 8 characters, contain an uppercase and lowercase letter and a digit. The User is obliged to keep the password to access the Service in a safe place and not to share it with third parties.

4.6. The Operator does not send the Password to the Account to the User's e-mail address, this does not ask the User to provide the password, and the User is not obliged to provide it to the Operator.

4.7. If the User loses the password, the Operator will allow him to establish a new password only via the Service or by contacting the Customer Service Office, but this procedure will be carried out only via the Service. The User is obliged to take all necessary measures to protect the data of his account and e-mail.

4.8. Registration includes providing the following data:

4.8.1. Indication of the type of account.

4.8.2. E-mail address.

4.8.3. User's invented password.

4.8.4. Confirmation of e-mail address.

4.8.5. Reading the Regulations and accepting them by checking the checkbox.

4.9. In order to use the Service services, the User must complete the following personal data in their User Account:

4.9.1. Natural person:

4.9.1.1. First name and last name.

4.9.1.2. Citizenship.

4.9.1.3. PESEL or date of birth - in the event that a PESEL number has not been assigned.

4.9.1.4. Country of birth.

4.9.1.5. Series and number of the document confirming the identity of the person, expiry date.

4.9.1.6. Address of residence.

4.9.1.7. Company name, Tax Identification Number and address of the main place of business - in the case of a natural person conducting business activity.

4.9.1.8. Telephone number.

4.9.2. Legal person or organizational unit without legal personality:

4.9.2.1. Company name.

4.9.2.2. Type of entity.

4.9.2.3. Country of registration and business address.

4.9.2.4. Tax identification number, and in the absence of such a number – country of registration, commercial register and number and date of registration.

4.9.3. Person authorized to act on behalf of the company:

4.9.3.1. Name and surname.

4.9.3.2. Citizenship.

4.9.3.3. PESEL or date of birth – if no PESEL number has been assigned.

4.9.3.4. Country of birth.

4.9.3.5. Series and number of the document confirming the identity of the person and expiry date.

4.9.3.6. Address of residence.

4.9.3.7. Telephone number.

4.9.4. Beneficial owner:

4.9.4.1. Name and surname.

4.9.4.2. Citizenship.

4.9.4.3. PESEL or date of birth – if no PESEL number has been assigned.

4.9.4.4. Country of birth.

4.9.4.5. Series and number of the document confirming the identity of the person and the expiry date.

4.9.4.6. Address of residence.

4.9.5.7. Telephone number.

4.10. The Operator verifies the identity of the User, the person acting on their behalf and the Beneficial Owner by confirming the identification data entered in the Account, based on a document confirming the identity of the natural person, a document containing current data from an extract from the relevant register or other documents, data or information from a reliable and independent source.

4.11. The Operator additionally verifies the User's identity by comparing the User's data defined in the User Account with the data of the owner of the bank account from which the first deposit of funds intended for currency exchange was made.

4.12. In the event of a higher risk of money laundering or terrorism financing, as well as in cases specified in the provisions of the Act on Counteracting Money Laundering, the Operator may apply increased financial security measures, including those related to the identification and verification of the identity of the User, the person authorized to act on his behalf and the Beneficial Owner.

4.13. In the event of failure of the verification referred to in paragraphs 4.10.-4.12., i.e. when the authenticity and consistency of the data referred to in paragraph 4.9. cannot be confirmed, the User is not entitled to use the services offered within the User Account until the authenticity and consistency of this data is confirmed. The Operator may also terminate the Agreement with the User in such a case.

4.14. All data transferred between the Service and the User is secured by using the secure SSL protocol with a 256-bit key, which is required in financial institutions. The connection is encrypted to prevent unauthorized persons from accessing the data.

4.15. The User who accepts the Regulations simultaneously makes several declarations (in the form of checking a checkbox), including that he has read the Regulations and agrees with its provisions, voluntarily starts using the Service, provided true and lawful information in the registration form and while using the Service, withahas read the detailed information on the processing of personal data and has provided the personal data required by the Operator in order to conclude the Agreement and provide services voluntarily, and undertakes to use the Service in accordance with its purpose and the Regulations. The Client is aware that providing false information about himself will result in criminal consequences for providing false information.

5. Scope of services provided.

5.1. The Operator of the Service onlinekantorkurs.pl provides online currency exchange brokerage services and other related services in accordance with the Regulations, with due diligence, safety standards and respect for applicable legal regulations.

5.2. Currency exchange brokerage services are provided electronically, i.e. without the simultaneous presence of the parties (remotely), by transmitting data at the individual request of the User, sent and received using devices for electronic data processing and storage.

5.3. Services provided by the Service Operator are available only to registered Users.

5.4. The Services are provided on the principles specified in the Regulations. Their provision to a given User depends on his declaration of acceptance of the provisions of the Regulations and positive identification.

5.5. Currency exchange is carried out electronically, using bank accounts held by Users and the Operator as well as by earning / spending money at the Customer Service Point.

5.6. The User uses the Customer Panel to submit orders for currency exchange.

5.7. Within the Service, the Operator provides Services in the field of currency exchange, placed on the exchange rate board, available on the Service website onlinekantorkurs.pl.

5.8. Concluding and terminating agreements for the provision of Services in the Service takes place exclusively via websites, in the electronic provision of Services mode.

5.9. The Operator reserves the right to refuse to perform the activities referred to in paragraphs 5.1. and 5.2., if the order for the order is inconsistent with the Regulations.

5.10. The Operator reserves the right to refuse to perform the activities referred to in paragraph 5.1. and 5.2., if there is a reasonable suspicion of non-compliance with the law.

6. Depositing funds.

6.1. The exchange, purchase or sale of currencies on the Service is available only to registered Users who have entered the correct data regarding their bank accounts into the settings of their User Account.

6.2. In the event that the Service Operator receives a transfer from a bank account that has not been entered by the User into their settings, the Operator returns the transfer to the sender after deducting the transfer costs resulting from the policy of the bank from which the payment was received.

6.3. In order to make a transaction of exchange, purchase or sale of currencies, the User must deposit funds to the bank account indicated by the Operator in the Customer Panel, in accordance with the title indicated by the Operator or by depositing cash at the Customer Service Point.

6.4. Funds deposited by the User to the Operator's account may be stored for no longer than one month. If these funds remain in the account longer than the specified period, the Operator will return them to the User's bank account after deducting bank fees.

6.5. The User's funds in the Operator's account cannot be treated as a savings deposit. The Operator does not bear any financial obligations to the User for the User's funds in the personal account, such as contractual penalties, lost profits, taking into account the established inflation rate, interest for the use of money, etc.

6.6. In the case of a transfer of funds in a foreign currency to the Operator's account, they will be automatically converted into zlotys on the day and time of receipt in the Operator's bank account according to the current exchange rate indicated on the Service in the exchange rates section for a given date and time.

6.7. The Operator is not responsible for depositing funds to a bank account other than the one indicated by the Operator or with transfer titles other than the one indicated by the Operator.

6.8. The Operator is not responsible for delays resulting from the actions of banks servicing the accounts of Users and the Operator.

6.9. After making the transfer, the User is required to confirm the transfer by clicking the "Confirm transfer" button to enable the transaction to be correctly recorded. Failure to click the button will prevent the transfer from being recorded.

6.10. If the User has topped up their personal account and has not made an exchange within one month, the Operator returns their funds within 7 days, with a deduction of 5% of the amount of funds.

6.11. In the event of receiving a request for a refund from the User, the Operator will consider the request within the next business day.

7. Currency Exchange.

7.1. As part of the onlinekantorkurs.pl Service, the Operator provides currency exchange Services:

7.1.1. Exchange of PLN to EUR, USD, GBP.

7.1.2. Exchange of EUR, USD, GBP to PLN.

7.1.3. Minimum amount of transfernsaction is 100 units of a given currency.

7.2. To exchange currencies in a non-cash form on the service, you must have at least two bank accounts: one in PLN and one in the currency you want to exchange. All accounts must be maintained by banks or bank branches based in Poland. The Operator makes transfers and refunds to the indicated bank accounts.

7.3. After receiving confirmation of payment from the Operator, you can make a transaction, the value of which does not exceed the amount of the payment.

7.4. The order to buy or sell currency will be executed after you confirm the exchange order in the Customer panel.

7.5. Currency purchase or sale transactions are executed at the rate visible on the website at the time of confirmation of the order.

7.6. After the exchange, the Operator sends the money to the bank account that you provided in the Customer panel.

7.7. The Operator sends proof of purchase or sale of currency electronically.

7.8. The operator must provide the user with proof of purchase/sale of currency for each transaction that was made on the onlinekantorkurs.pl website. For this purpose, the operator generates an electronic confirmation of the transaction and automatically sends it to the user after each transaction to the e-mail address provided by the user during registration. By accepting these regulations, the user agrees to receive proof of purchase/sale electronically.

7.9. If the user wishes, the operator may send proof of purchase/sale of currency in paper form by post (in Poland) to the postal address provided by the user in the Customer Panel within seven days of the transaction. In this case, the operator debits the amount of PLN 10 (in words: seven zlotys) from the user's account to cover the costs associated with postage.

7.10. The time for submitting exchange orders is not the same as the service's working hours. Transactions can be made on business days from 8:30 to 16:00, and the transactions will be settled no later than the next business day.

7.11. Currency exchange transactions are irreversible, which means that the transaction cannot be reversed. However, you can order a reverse transaction, i.e. sell the purchased currency, which may result in losing money due to exchange rate differences.

7.12. The exchange rates on the website are for information purposes only and do not constitute an offer within the meaning of the law.

8. Registered Transactions - above the threshold.

8.1. In the case of transactions exceeding EUR 15,000, the user is required to complete their personal data in the Customer Panel in accordance with the program guidelines and to send a scan of their ID card or other document confirming their identity to info@onlinekantorkurs.pl to verify this data.

8.2. In the event of placing an order to carry out a transaction worth more than EUR 15,000, converted based on the average NBP exchange rate applicable at the time of exchange, in accordance with the Act on Counteracting Money Laundering and Terrorism Financing, the onlinekantorkurs.pl Service is obliged to verify - check and confirm the user's personal data in order to ensure financial security. This procedure is carried out only once, at the first registered transaction and with each change of the user's identification data.

8.3. The Operator has the right to verify the data provided by the user during the registration process using other available methods.

8.4. In the event of failure to fulfill the obligations referred to in point 8.1, the Operator will not be able to carry out the Transaction, and the User will be informed about this by e-mail to the e-mail address provided by the User in the Customer Panel.

8.5. The Operator reserves the right to suspend or refuse to carry out a transaction, even in the case of transactions worth less than EUR 15,000, without having to provide reasons, if this is necessary to comply with applicable anti-money laundering regulations. The User has no right to any claims resulting from such a decision of the Operator.

8.6. The Operator has the right to demand from the User additional explanations and scans of registration documents in the case of transactions on a company account.

8.7. If the value of the Transaction is 15,000 Euro, the User must complete their personal data in the Customer Panel in accordance with the program instructions and send a scan of their ID card or other document confirming their identity to info@onlinekantorkurs.pl in order to verify this data. Such a transaction will not be registered and this is required in accordance with the Act on Counteracting Money Laundering and Terrorist Financing to ensure the financial security of the onlinekantorkurs.pl Service.

8.8. During the registration process, the User is obliged to provide complete and true data referred to in point 4.9. The User is responsible for the truthfulness of this data and is obliged to update it in the event of a change, and any negative risk will not beThe user is responsible for the processing of the data.

8.9. The Operator informs that it is obliged, in accordance with legal regulations, to determine whether the User or the beneficial owner is a person holding a politically exposed position, a close associate of a person holding a politically exposed position, or a family member of a person holding a politically exposed position. For this purpose, the User must submit a declaration in electronic form (in the form of a checkbox confirmation or by pressing the confirmation form when filling in personal data or by sending relevant information to our e-mail), confirming or denying the holding of such a position, and the submitted declaration is under penalty of criminal liability for its false submission.

8.10. The currency exchange operator is obliged to obtain prior consent from the company's management, in accordance with the requirements of the regulations on counteracting money laundering and terrorism financing, before providing currency exchange services to a person holding a politically exposed position. It is required to submit documents and explanations in order to determine the source of the user's wealth and the source of the property values ​​at their disposal. The Operator applies appropriate measures to maintain economic relations or carry out transactions in accordance with the regulations.

8.11. The Operator has the right to request additional information from the User regarding the actual beneficiary, which is required by the provisions of the Act on Counteracting Money Laundering and Terrorist Financing.

8.12. The Operator has the right to request the presentation of additional documents confirming changes to the data reported by the User.

9. Fees and expenses.

9.1. The Operator does not charge fees for registration, setting up and maintaining the User Account on the onlinekantorkurs.pl Service.

9.2. The Operator does not charge a commission on transactions made.

9.3. The User must make a currency transfer only and exclusively to the bank account indicated by the Operator, and as the principal, bears the bank costs of the transfer.

9.4. If the procedure described in point 9.3 is not followed, the Operator will record the amount actually received in the User Account, reduced by the fees and commission charged by the bank.

9.5. The User is informed about the amount of costs that will be charged to him by the Operator when making a deposit or currency exchange order.

9.6. If a bank fee arises from receiving a transfer from the User, the Operator will reduce the amount paid by the User by the value of this fee or commission.

10. Errors during transactions.

10.1. If due to an operator error or a failure of the exchange rate system, the User has exchanged currencies based on unrealistic quotations, such transaction will be canceled and the User will immediately (no later than one day) return the funds resulting from this transaction to the Operator after receiving a request for refund.

10.2. If due to technical reasons or an error, the Operator has transferred to the User's bank account an amount greater than that resulting from a correctly executed transaction, the User is obliged to return the overpayment from the erroneous transaction to the Operator within the same day of receiving the request for refund of the overpayment to the User's e-mail address.

10.3. If, due to technical reasons or an error, the operator transferred to the user's bank account an amount lower than that resulting from a correctly executed transaction, the operator is obliged to make an additional payment to the user from the incorrect transaction within the next business day of receiving the complaint with a request for additional payment.

10.4. Each party that has not met the conditions 10.1.-10.3. pays 0.1% for each day of delay in fulfilling the obligation.

11. Complaint procedure.

11.1. The user has the right to file a complaint within 7 days of the discovery of the reasons for the complaint and describe in detail the reason for the complaint, if the services provided for in these regulations are not provided by the Operator or are performed in violation of its provisions.

11.2. To file a complaint, use the electronic form and send it to the e-mail address: info@onlinekantorkurs.pl or send it by letter to the address of the Operator's registered office, confirming receipt. The complaint must include at least: the User's name and surname, the amount and date of the transaction to which the complaint relates, and the correspondence address or e-mail address. The date of receipt of the complaint is considered to be the date of receipt, indicated in the confirmation of the message, sent to the e-mail address of the indicated post office.

11.3. The Operator shall consider the complaint within 30 days of its receipt or, in the event that the User needs to supplement the information, within 30 days of the completion of the data contained in the complaint. If the User does not provide additional information, the complaint may be left without consideration.

11.4. The response to the complaint will be sent to the e-mail address assigned to the user's account. In some justified cases,In some cases, the operator may send a response to another e-mail address or to the postal address indicated by the user.

11.5. Complaints resulting from ignorance of the regulations or legal regulations will not be considered.

11.6. The operator may refuse to consider a complaint if the user does not submit it within 14 days of the occurrence of the circumstances that are the subject of the complaint.

11.7. In the event of a negative consideration of the complaint, the User may file a lawsuit with the competent common court.

12. Termination of the agreement.

12.1. The User has the right to terminate the agreement for the provision of electronic services with the Operator of the onlinekantorkurs.pl Service at any time, without having to provide a reason.

12.2. The agreement cannot be terminated before the completion of all transactions and settlement of financial operations between the User and the Operator of the Service.

12.3. In order to terminate the agreement for the provision of electronic services with the Operator of the Service, the User must use the Customer Panel.

12.4. After termination of the agreement, the Service Operator deletes the User Account.

13. Intellectual property.

13.1. Materials posted on the onlinekantorkurs.pl service may be used only within the scope of permitted use in accordance with the provisions of copyright law.

13.2. It is prohibited to distribute, transmit, modify, publish and use the content of the service's websites for public or commercial purposes.

13.3. The content of the service's websites is the property of the operator. All trademarks and materials located on the service's websites are protected by law and may not be used without the prior written consent of the operator.

14. Privacy policy.

14.1. The administrator of the personal data of the onlinekantorkurs.pl Service Users within the meaning of the provisions of the Personal Data Protection Act is KURS SP. Z O.O. with its registered office in Katowice, ul. Andrzeja Mielęckiego 10 lok. 402, 40-013 Katowice

14.2. The administrator of the personal data of the Service Users does not share this data with third parties. This data is not and will never be sold to anyone. The Administrator does not transfer Users' personal data to other Users or other business entities without the User's consent.

14.3. Personal data collected by the Operator will be processed for the purposes of:

- implementation of Services provided via the Service, in accordance with the Personal Data Protection Act,

- implementation of the provisions of the Act on Counteracting Money Laundering and Terrorism Financing,

- issuing and sending purchase/sale certificates,

- communication between Users and the Operator,

- providing Users with information related to the use of the Service,

- accounting,

- handling complaints,

- verification whether the registering person meets the conditions and legal provisions required by the Regulations.

14.4. Accepting the regulations means expressing consent to the processing of the user's personal data to the extent necessary for registration and provision of services by the operator to the user. Failure to accept the regulations prevents the use of the onlinekantorkurs.pl service.

14.5. The User voluntarily provides their personal data in order to use the onlinekantorkurs.pl service.

14.6. Consent to the processing of personal data for marketing purposes by the Operator and other entities associated with it is not mandatory.

14.7. The User has the right to view their personal data and the right to correct or delete them.

14.8. If the personal data provided by the User during the registration process become outdated, the User is obliged to update them immediately. If the User has not updated their personal data after they have changed, the Operator has the right to suspend the provision of Services to the User, and the User assumes all risks associated with this. The Operator also has the right to block the user's account if the User's personal data is deleted from the database collected by the Operator.

14.9. User data may be made available only to entities authorized to receive them in accordance with applicable law, including the relevant judicial authorities and financial supervision authorities.

14.10. In connection with the provision of currency exchange services on the Service, the Operator processes the personal data of Users. Data processing is carried out in accordance with the provisions of the law, in particular the provisions of the General Data Protection Regulation (GDPR).

15. Limitations of liability.

15.1. The Operator reserves the right to suspend or refuse to execute a transaction without giving reasons, if it is necessary in accordance with the provisions of the Act on Counteracting Money Laundering and Terrorist Financing or other applicable legal acts. In such a case, the User is not entitled to any claims.

15.2. As part of the implemented procedures for counteracting money laundering and terrorism financing, the Operator may request the User to provide additional dreams, information or data that will allow the User to be identified. In the event of failure to provide this information, the Operator may apply the measures specified in point 15.1.

16. Cancellation conditions and force majeure.

16.1. The Operator reserves the right to close the Account of a given User and to refrain from carrying out the transaction in the event of:

16.1.1. Providing false or outdated personal data during the Registration of the User Account,

16.1.2. Destroying, damaging, deleting, changing or hindering access to computer data contained in the onlinekantorkurs.pl service, as well as in the event of disruptions or other circumstances preventing automatic processing, collection or transfer of such data.

16.1.3. If the User has topped up the account 3 or more times and requested a refund without making an exchange or performs other activities that may affect the quality and stable operation of the Service and the provision of services to other Users.

16.2. The Operator may refrain from executing a transaction in the following cases:

16.2.1. Detection of non-existent or unrealistic deviations of the exchange rates published on the Service, which arose from reasons beyond the control of, e.g. a failure of the transaction system.

16.2.2. Occurrence of circumstances that make it impossible to carry out a transaction on normal (previous) and predictable terms or in the event that an excessive number of Users sell/buy a given currency at a given rate, which results in the Operator incurring significant losses,

16.2.3. Occurrence of force majeure, i.e. an external event that the Operator could not predict and over which he had no influence, including failures of electronic banking systems used by the Operator in the process of exchanging and delivering currencies to Customers' accounts, as well as server system failures.

16.3. The Operator shall not be liable for failure to perform or improper performance of obligations arising from the Regulations, if this is caused by circumstances over which the Operator had no influence, despite exercising due diligence - so-called force majeure. In such a case, the provision of services may be suspended for a period corresponding to the period in which force majeure occurs.

16.4. The Operator shall not, under any circumstances, return or compensate the User for any loss of profits, and the Operator shall not be liable for any risks associated with the User's business or other activities. All liability for its actions rests solely with the User.

17. Final provisions.

17.1. All questions and requests concerning the operation of the onlinekantorkurs.pl service may be sent to the e-mail address info@onlinekantorkurs.pl.

17.2. If the Operator detects any unlawful activity by the User or suspicions of such activity, the Operator shall inform the relevant judicial authorities.

17.3. The provisions of Polish law shall apply to the agreement between the User and the Operator concerning the Services provided within the Service under the terms specified in the Regulations.

17.4. In matters not regulated by these Regulations, the relevant provisions of law shall apply.

17.5. Any disputes will be resolved by Polish courts, in accordance with the provisions of the Code of Civil Procedure.

18. Entry into force and amendments to the Regulations.

18.1. The Operator of the onlinekantorkurs.pl Service reserves the right to make changes to the Regulations at any time during the provision of Services, without having to provide reasons.

18.2. Changes introduced to the Regulations enter into force on the date indicated by the Operator of the Service, about which the User will be notified on the website of the Service.

18.3. The Operator will inform the User of any change to the Regulations at least 7 days in advance by placing the regulation in a new edition under the link https://onlinekantorkurs.pl/regulamin

18.4. If the User does not notify the Operator of the objection to the changes before the date of their entry into force, it is considered that the User has expressed consent to them. The User has the right to terminate the Agreement before the date of the proposed entry into force of the changes, with immediate effect and without incurring any fees.

18.5. The changes become effective on the date indicated by the Operator, but not shorter than 7 days from the date of publication of the amended Regulations by the Operator, provided that transactions initiated before the entry into force of the changes to the Regulations are conducted on the terms applicable before the changes were introduced.

18.6. If the Operator obtains information that the User is using the Service in a manner inconsistent with the Regulations or applicable legal provisions, the Operator has the right to immediately cease providing the Services to that User, block their account and terminate the Agreement with immediate effect.

18.7. In the event of termination of the Agreement, any funds from currency exchange or from deposits not used forcurrency exchange will be paid immediately to the User's appropriate bank accounts, in accordance with the provisions of the Regulations regarding account verification, and subject to legal provisions that may oblige the Operator to suspend the payment of funds.

18.8. The Regulations enter into force on 31/03/2023.