Visit our stationary exchange
1.1. Onlinekantorkurs.pl is a safe form of currency exchange via the Internet, operating in cooperation with the stationary currency exchange office "Kantor Kurs", which is located in Wroclaw at ul. Szewska 75/77. Using the Service for purposes other than buying and selling currency electronically is prohibited. It is prohibited to use the services of the Website for purposes other than exchanging currency electronically.
1.2. The Operator shall provide currency exchange services in accordance with the exchange rates provided on the Website, using funds transferred electronically by the User and the Operator to their bank accounts. The User is responsible for the accuracy of the User's data. The conditions for the use of these services are set out exclusively in these Terms and Conditions.
1.3. onlinekantorkurs.pl provides services electronically in accordance with the Regulations.
1.4. These Regulations are a document which is binding for all Users who use currency exchange services provided by the Service electronically, in accordance with the requirements of the Act on electronic provision of services.
1.5. These Regulations define the principles for the provision of 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 responsibilities of the User, as the entity using the services of onlinekantorkurs.pl, and onlinekantorkurs.pl, as the entity managing and operating the Service.
1.6. The Regulations are available to the Users free of charge prior to concluding the agreement for electronic provision of services. It can be obtained through the Service in a form that allows obtaining, reproducing and recording the content by means of the ICT system used by the Users. The Terms and Conditions may be saved or printed by Users at any time.
1.7. At the moment of registration, each User of the Service is obliged to familiarise himself/herself with the content of these Regulations and to make a declaration of will of accepting its provisions in the form of ticking the checkbox.
1.8. Acceptance of the Regulations, completion of the registration process on the Website and creation of a User Account means that the User concludes an agreement with the Operator for provision of services electronically for an indefinite period of time, without specifying the minimum duration of the agreement.
1.9. The User must declare that the data provided during the Registration process are true and that he/she is not allowed to use the services of the Operator anonymously.
1.10. When using the services of the Website onlinekantorkurs.pl, each User is obliged to act in accordance with the applicable law, principles of good behaviour, respect for intellectual property rights and the prohibition on providing content of an unlawful nature which may infringe the rights or interests of third parties.
1.11. The use of 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 the User's order and other expenses in the form of bank commissions.
1.12. The name of the Service, the way it functions, its graphic design, software and database are fully protected by law.
2. Definitions.
The expressions used in the Regulations shall mean:
2.1. Operator - the owner of the Website onlinekantorkurs.pl - Kantor Kurs Sp. z o.o., ul. Szewska 75/77, 50-121 Wrocław. It has an entry in the REGON Register: 523195527 and a tax identification number NIP: 8971912239 ta KRS 0000993495, date of entry in the Kantor Register 27/09/2022, entry no: 19287.
2.2. The Website - is an Internet service, operated at http://www.onlinekantorkurs.pl, which is directed by the Operator and enables Users to use the online currency exchange service. The conditions for the provision of this service are set out in these Terms and Conditions.
2.3. Functions and purposes of the Service - the main function of the Service is to systematise data during transactions between the Operator and the User, in connection with which the Service functions 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 every working day, from 8:30 a.m. to 4:30 p.m., during which the Service performs the indicated services.
2.5 Business Day - any day from Monday to Friday excluding public holidays in Poland.
2.6. Services - are the services provided by the Operator of the Service onlinekantorkurs.pl for the benefit of Users, including the placement and execution of orders to carry out online currency exchange transactions and any other services directly related thereto. The services provided by the Website are considered to have been duly, timely and fully performed upon the occurrence of at least one of the following events: height when the Operator sends a payment order to its bank to transfer funds to the customer; when the Operator accepts the payment order in online banking, mobile application or makes a transfer to the data provided by the customer; when cash is withdrawn at the Customer Service Desk.
2.7. Customer Service Office - is a unit within the Operator's organisational structure whose task is to provide service to the User, including, among other things, providing the User with assistance and information necessary for the performance of the Agreement. The Office makes it possible to contact the Operator on days and hours indicated on the website of the Service, directly in the departments of Szewska 75/77, 50-121 Wrocław and Żurawia 45, 00-680 Warsaw, as well as in writing to the address: Kantor Kurs Sp. z o.o., ul. Szewska 75/77, 50-121 Wrocław, by telephone at (+48) 794 971 888 or by e-mail at: info@onlinekantorkurs.pl.
2.8. Agreement - agreement on provision of electronic services concerning individual currency exchange transactions within the functionality of the Account, concluded between the Operator and the User in accordance with the registration procedure on the Website. The Agreement is concluded at the moment of acceptance of the Regulations, the registration process on the Website and the creation of the User Account.
2.9. User - is exclusively a natural person of full legal capacity, legal person or organisational unit without legal personality, to which legal capacity is granted by the legislation, fulfilling the conditions specified in the Regulations, who accepted its provisions and completed the Registration on the Website, as a result of which a User Account was created for him.
2.10. Ultimate Beneficiary - is a natural person who exerts control over a User in the meaning of the provisions of the Act on Counteracting Money Laundering and Terrorist Financing.
2.11. User Account - a register account, which is made available to and assigned to each User as a result of the Registration process, is maintained on the Service onlinekantorkurs.pl. This account enables the User, through the Customer Panel, to manage data and submit instructions for online currency exchange within the scope of Services provided by the Operator. In order to access the account, the User must enter his/her Login and Password.
2.12. Transaction - purchase or sale of foreign currency carried out by the User via the Service onlinekantorkurs.pl, proceeding 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, as well as 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 may be with the same or another bank, as well as by depositing/spending money at a Customer Service Point.
2.15. Bank Account - a bank account maintained for the User, in accordance with applicable laws, by a bank having its registered office or branch in the Republic of Poland, of which the holder or proxy is a user.
2.16. Residents - a natural person residing in the country and a legal person having its seat in the country, as well as another entity having its seat in the country, having the ability to contract obligations and acquire rights in its own name; residents are also branches, representative offices and enterprises established by non-residents in the country, that Polish diplomatic representations, consular offices and other Polish representations and special missions, enjoying diplomatic or consular immunities and privileges.
2.17. Non-residents - are natural persons resident abroad, legal entities located abroad, and other entities located abroad with the capacity to bind themselves and acquire rights in their own name. Non-residents are also branches, representative offices and enterprises located abroad established by residents, as well as foreign diplomatic representations, consular offices, other foreign representations, special missions and international organisations enjoying diplomatic or consular immunities and privileges.
2.18. Politically exposed person - an individual elected or appointed to public office who influences or is responsible for the implementation of political decisions. A politically exposed position may include positions in the legislative, executive or judicial bodies, as well as in a political party or trade union organisation.
2.19 A close associate of a politically exposed person is a natural person: who is the beneficial owner of a legal entity, unincorporated organisational unit or trust, jointly with a politically exposed person, or who has other close business relations with such a person; who is the sole beneficial owner of a legal entity, unincorporated organisational unit or trust known to have been created for the purpose of obtaining a de facto benefit from a politically exposed person.
2.20. Politically exposed person's family member - means: the spouse or person cohabiting with the politically exposed person; the child of the politically exposed person and his or her spouse or cohabitant; the parents of the politically exposed person.
2.21. A Registered Transaction is an Over Threshold Transaction - a transaction that must be registered in accordance with the requirements of the Anti-Money Laundering and Countering the Financing of Terrorism Law, hereinafter referred to as the "Law", due to its value exceeding €15,000, including when it is carried out through more than one operation, the circumstances of which indicate that they are related to each other and have been split into operations of lesser value with the intention of avoiding the registration obligation or due to the existence of circumstances indicating that it may be related to money laundering or terrorist financing, regardless of its value and nature.
2.22. GIIF - the General Inspector of Financial Information referred to in the Act of the Republic of Poland.
2.23. RODO - the Regulation of the European Parliament and of the Council (EU) of 27 April 2016 on the protection of natural persons in relation 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 provision of services by electronic means - Act of 18 July 2002 on provision of services by electronic means (Journal of Laws 2016, item 1030, as amended).
2.26. Act on Prevention of Money Laundering and Financing of Terrorism - Act of 1 March 2018 on Prevention of Money Laundering and Financing of Terrorism (Journal of Laws 2018, item 723, as amended), hereinafter referred to as the Act.
3. Technical conditions.
In order to interact with the Operator's ICT system, it is necessary to fulfil the technical conditions.
3.1. Before using the services offered by onlinekantorkurs.pl, the User must have the appropriate tools:
3.1.1. A computer or mobile device equipped with a web browser supporting an encrypted SSL connection.
3.1.2. Access to the Internet, including a programme for browsing its resources and accepting cookies.
3.1.3. Have a valid e-mail address.
3.1.4. A program to read files in PDF format.
3.2. The Operator reserves the right to make changes to the technical requirements associated with the provision of the Services by electronic means.
3.3. The Operator shall not be liable for the User's failure to comply with the technical requirements set forth in the Terms of Use.
3.4. The User agrees that the Website onlinekantorkurs.pl stores on his/her computer small text files called cookies which are necessary for the proper provision of Services by the Website. These files do not affect the User's computer settings, do not install or remove any computer programmes or viruses, nor are they processed by other Internet portals, and can be deleted by the User at any time.
3.5. By agreeing to these Terms and Conditions, in implementation of Article 6 of the Act on Provision of Electronic Services, the User is aware of the risks associated with the use of the service provided electronically, such as leakage of personal data due to unauthorised access by third parties to the Website, the User's or the Operator's technical device, or other actions beyond the Operator's control.
4. Registration and verification of the user.
4.1. The Agreement for the provision of services offered by the Operator on the Website is concluded via the Website onlinekantorkurs.pl. The Agreement is concluded for an indefinite period of time with no minimum duration.
4.2. The Agreement between the Operator and the User becomes permanent after acceptance of the Terms of Service in the form of checking the box, registration on the Website and creation of a User Account.
4.3. The Operator shall ensure the safety of the system operation and shall take measures to increase the safety of communication with the Service onlinekantorkurs.pl.
4.4. In order to make a Registration on the Website, the Registration form, which is available on the Website https://onlinekantorkurs.pl/rejestracja, must be correctly filled in. Subsequently, the person making the Registration must make a declaration (in the form of a checkbox) that he/she is familiar with the Regulations and accepts their provisions.
4.5. To create a user account, you must enter your email address and a password of your choice. To ensure the security of your account, your password must be at least 8 characters long, contain an upper and lower case letter and a number. The user is obliged to keep the password for accessing the Website in a safe place and not to make it available to third parties.
4.6. The Operator shall not send the Account access password to the User's e-mail address this does not request the User to provide the access password, and the User is not obliged to provide it to the Operator.
4.7. If the User loses the access password, the Operator shall allow the User to establish a new access password only via the Website or by contacting the Customer Service, but this procedure shall only be carried out via the Website. The User is obliged to take all necessary measures to protect the data of his/her account and e-mail.
4.8. Registration involves 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. Confirm your e-mail address.
4.8.5. Read and accept the Terms of Use by ticking the checkbox.
4.9. In order to use the services of the Website, the User must complete the following personal data in his/her User Account:
4.9.1. A natural person:
4.9.1.1. First and last name.
4.9.1.2. Nationality.
4.9.1.3. Personal Identification Number (PESEL) or date of birth - if no PESEL number has been assigned.
4.9.1.4. Country of birth.
4.9.1.5. Series and number of the identity document of the person, expiry date.
4.9.1.6. Address of residence.
4.9.1.7. Company name, TIN and address of main place of business - in the case of a sole trader.
4.9.1.8. telephone number.
4.9.2. Legal person or organisational unit without legal personality:
4.9.2.1. Company name.
4.9.2.2. Type of entity.
4.9.2.3. Country of registration, this business address.
4.9.2.4. TIN, and in the absence thereof, the country of registration, the commercial register, and the number and date of registration.
4.9.3. Persons authorised to act on behalf of the company:
4.9.3.1. Name.
4.9.3.2. Nationality.
4.9.3.3. Personal Identification Number (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 person's identity document, and date of expiry.
4.9.3.6. Address of residence.
4.9.3.7. Telephone number.
4.9.4. Actual Beneficiary:
4.9.4.1. Name.
4.9.4.2. Nationality.
4.9.4.3. Personal identification number (PESEL) or date of birth if no PESEL number has been allocated.
4.9.4.4. Country of birth.
4.9.4.5. Series and number of the person's identity document, and date of expiry.
4.9.4.6. Address of residence.
4.9.5.7. Telephone number.
4.10. The Operator shall verify the identity of the User, the person acting on the User's behalf and the Ultimate Beneficiary by confirming the identification data entered in the Account on the basis of a document stating the identity of the natural person, a document containing valid data from an extract from the relevant register or other documents, data or information from a reliable and independent source.
4.11. The Operator shall additionally verify the identity of the User 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 payment of funds intended for currency exchange was made.
4.12. Where a higher risk of money laundering or terrorist financing is identified, and in the cases specified in the provisions of the AML Act, the Operator may apply enhanced financial security measures, including those related to the identification and verification of the identity of the User, the person authorised to act on behalf of the User and the Beneficiary in Fact.
4.13. If the verification referred to in Clauses 4.10.-4.12. fails, i.e. if the authenticity and conformity of the data referred to in Clause 4.9. cannot be confirmed, the User shall not be entitled to use the services offered under the User Account until the authenticity and conformity of such data is confirmed. The Operator may also terminate the Agreement with the User in such a case.
4.14. All data sent between the Service and the User are secured through the use of a secure SSL protocol with a key length of 256 bits, which is required in financial institutions. The connection is encrypted to prevent unauthorised persons from accessing the data.
4.15. The User, who accepts the Terms and Conditions, simultaneously makes several declarations (in the form of ticking a checkbox), including that he/she is familiar with the Terms and Conditions and agrees with its provisions, voluntarily joins the Service, provided true and lawful information in the registration form and during the use of the Service, familiarised himself/herself with the detailed information on personal data processing and provided 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 Terms and Conditions. The Customer is aware that he/she will be subject to criminal consequences for providing false information about himself/herself.
5. Scope of provided services.
5.1. The Operator of the Website onlinekantorkurs.pl provides intermediary services in online currency exchange and other related services in accordance with these Terms and Conditions, with due diligence, safety standards and in compliance with applicable laws.
5.2. Currency exchange intermediation services are provided electronically, i.e. without the simultaneous presence of the parties (at a distance), through the transmission of data at the individual command of the User, sent and received by means of devices for electronic data processing and storage.
5.3. The Services provided by the Operator of the Website are available only to registered Users.
5.4. Provision of the Services shall take place according to the rules set forth in the Regulations. Their provision to a given User depends on his/her declaration of acceptance of the provisions of the Regulations and positive identification.
5.5. The exchange of currencies shall take place electronically, by means of bank accounts held by Users and the Operator as well as by depositing / spending money at the Customer Service Point.
5.6. The User shall use the Customer Panel to submit currency exchange instructions.
5.7. On the Website, the Operator shall provide Services in respect of exchange of currencies posted on the currency exchange rates table available on the Website onlinekantorkurs.pl.
5.8. The conclusion and termination of Agreements for the provision of Services on the Website shall be effected solely and exclusively by means of websites, in the mode of electronic provision of Services.
5.9. The Operator reserves the right to refuse to perform the activities referred to in Paragraphs 5.1 and 5.2 if the instruction is inconsistent with the Terms of Service.
5.10. The Operator reserves the right to refuse to perform the activities referred to in Paragraphs 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 Website is only available to registered Users who have entered the correct details of their bank accounts into the settings of their User Account.
6.2. In the event that the Operator of the Website receives a transfer from a bank account that has not been entered by the User in its settings, the Operator shall send the transfer back to the sender after deducting the transfer costs that result from the policy of the bank from which the payment was received.
6.3. In order to carry out the 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. The funds deposited by the User on the Operator's account may be kept for no longer than one month. If the funds remain in the account for longer than the specified period, the Operator shall return the funds to the User's bank account after deduction of bank charges.
6.5. The User's funds on the Operator's account cannot be considered as a savings deposit. For the User's funds on the personal account, the Operator shall not bear any financial obligations to the User, such as a penalty, lost profits, consideration of the established inflation index, interest for the use of money, etc..
6.6. If funds are transferred in foreign currency to the Operator's bank account, they shall be automatically converted into zlotys on the date and time of their receipt at the Operator's bank account according to the current exchange rate indicated on the Website in the section on exchange rates for a given date and time.
6.7. The Operator shall not be liable for payments of funds to a bank account other than those indicated by the Operator or with transfer titles other than those indicated by the Operator.
6.8. The Operator shall not be liable for any delays arising from the operation of banks servicing the accounts of the Users and the Operator.
6.9. After the transfer has been made, the User is obliged to confirm the transfer by clicking the "I confirm transfer" button in order to enable proper posting of the transaction. Failure to click the button will prevent the transfer from being posted.
6.10. If the User has replenished his/her personal account and has not made an exchange within one month, the Operator shall return his/her funds within 7 days with a 5% deduction of the amount of the funds.
6.11. If a refund request is received from the User, the Operator shall process the request within the next working day.
7. Currency Exchange
7.1. As part of the Service onlinekantorkurs.pl, the Operator provides currency exchange services:
7.1.1. The exchange of PLN currency into EUR, USD, GBP.
7.1.2. Currency exchange of EUR, USD, GBP into PLN.
7.1.3. The minimum transaction amount is 100 units of a given currency.
7.2. To exchange currencies in the non-cash form of the service, you need to have at least two bank accounts: one in PLN and one in the currency you want to exchange. All accounts must be held by banks or bank branches based in Poland. The operator will only make transfers and refunds to Polish bank accounts.
7.3. After receiving confirmation of the payment from the Operator, you may make a transaction not exceeding the amount of the payment.
7.4. An order to buy or sell currency will be executed once you have confirmed in the Customer panel that you have made an exchange instruction.
7.5. Transactions to buy or sell currencies are carried out at the exchange rate shown on the site at the time of confirming the instruction.
7.6. Once the exchange is made, the Operator sends the money to the bank account you provided in the Customer Panel or by depositing cash at the Customer Service Point.
7.7. The Operator sends an electronic proof of the purchase or sale of the currency.
7.8. The Operator must provide the user with proof of purchase/sale of currency for each transaction that was made onlinekantorkurs.pl. 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 terms and conditions, the user agrees to receive proof of purchase/sale electronically.
7.9. If the user wishes, the operator may send the 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 shall debit the amount of 7 PLN (in words: seven zlotys) from the user's account to cover the costs of postage.
7.10. The time of submitting an exchange instruction is not the same as the service operating time. Transactions can be made on working days from 8:30 a.m. to 4:00 p.m. and transactions will be settled no later than the next working day.
7.11. Currency exchange transactions are irreversible, which means that you cannot reverse the transaction. However, you can have the transaction reversed, i.e. you can sell the currency you have bought, but this may lead to you losing money due to exchange rate differences.
7.12. The exchange rates on the website are for information only and do not constitute an offer as defined by law.
8. Registered Transactions - above threshold.
8.1 In the case of transactions with a value of more than EUR 15,000, the user is obliged to complete his/her personal data in the Client Panel in accordance with the guidelines of the programme and to send a scan of his/her identity card or other document confirming his/her identity to info@onlinekantorkurs.pl in order to verify this data.
8.2. In the case of placing an order to carry out a transaction with a value of more than EUR 15,000, converted on the basis of the average exchange rate of the National Bank of Poland in force at the time of the exchange, in accordance with the Law on Prevention of Money Laundering and Terrorist 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 at 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. If the obligations referred to in clause 8.1 are not fulfilled, the Operator shall not be able to complete the Transaction and the User shall be informed thereof 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 the execution of a Transaction, even in the case of a Transaction with a value of less than 15,000 Euros, without having to give reasons, if this is necessary to comply with the applicable anti-money laundering regulations. The User shall not be entitled to any claims arising from such a decision by the Operator.
8.6. The Operator has the right to request additional explanations and scans of registration documents from the User in the case of transactions on a company account.
8.7. If the value of the Transaction is 15,000 Euros, the User must complete his/her personal data in the Customer Panel according to the instructions of the program and send a scan of his/her ID card or other document confirming identity to info@onlinekantorkurs.pl to verify this data. Such a transaction will not be registered and this is required in accordance with the Anti-Money Laundering and Terrorist Financing Act to ensure the financial security of the onlinekantorkurs.pl Service.
8.8. During the registration process, the User is obliged to provide complete and truthful data referred to in clause 4.9. The User is responsible for the truthfulness of this data and is obliged to update it in the event of any changes, and any negative risk of failure to provide data shall be borne by the User.
8.9. The Operator informs that it is obliged, in accordance with the legal provisions, to determine whether the User or the beneficial owner is a politically exposed person or a close associate of a politically exposed person or a family member of a politically exposed person. For this purpose, the User must make a declaration in electronic form (by confirming the checkbox or pressing the confirmation form when filling in the personal data in the cabinet or by sending the relevant information to our e-mail), confirming or denying the holding of such a position, and the declaration made is subject to criminal liability for its false submission.
8.10. A foreign exchange operator is required to obtain prior approval from the company's management, as required by anti-money laundering and counter-terrorist financing legislation, before providing foreign exchange services to a politically exposed person. Documents and explanations are required to establish the source of the user's assets and the source of the assets at the user's disposal. The operator shall take appropriate measures to maintain business relationships or carry out transactions in accordance with the regulations.
8.11. The Operator shall have the right to request from the User additional information concerning the beneficial owner as required by the provisions of the AML/CFT Act.
8.12. The Operator has the right to request additional documents confirming changes to the data reported by the User.
9. Fees and expenses.
9.1. The Operator shall not charge any fees for registering, creating and maintaining a User Account on the Service onlinekantorkurs.pl.
9.2. The Operator shall not charge commissions on transactions.
9.3. The User must make a currency transfer only to the bank account indicated by the Operator, and as a principal shall bear the bank costs of the transfer.
9.4. If the procedure described in clause 9.3 is not followed, the Operator shall credit the User's Account with the amount actually received, less the fees and commission charged by the bank.
9.5. The User shall be informed of the amount of costs that will be charged to him/her by the Operator when making a deposit or currency exchange instruction.
9.6. If there is a bank charge for receiving a transfer from the User, the Operator shall reduce the amount paid by the User by the value of such charge or commission.
10. Transaction errors.
10.1. If, due to an operator's error or a failure of the exchange rate system, the user has made a currency exchange based on an unrealistic quotation, such a transaction will be cancelled and the user will immediately (no later than one day) return the funds resulting from this transaction to the operator upon receipt of a refund request.
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 shall be obliged to return the overpayment from the erroneous transaction to the operator within the same day of receiving the request for refund to the user's e-mail address.
10.3. If, due to technical reasons or an error, the operator has transferred to the user's bank account an amount less than that resulting from a correctly executed transaction, the operator shall be obliged to make a surcharge to the user from the erroneous transaction within the next working day of receiving a complaint with a request for surcharge.
10.4. Any party who has not complied with the conditions 10.1.-10.3. shall pay 0.1% for each day of default.
11. Complaint procedure.
11.1. The User shall have the right to lodge a complaint within 7 days of discovering the reasons for the complaint and to describe in detail the cause of the complaint if the services provided for in these Terms and Conditions are not provided by the Operator or are provided in violation of the provisions thereof.
11.2. To make a complaint, use the electronic form and send it to the e-mail address: info@onlinekantorkurs.pl or send it by post to the Operator's registered office address, acknowledging receipt. The complaint must contain at least: the User's surname and first name, the amount and date of the transaction to which the complaint relates, and the correspondence address or e-mail address. The date of the complaint shall be the date of receipt, indicated in the message confirmation 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, if the User is required to supplement the information, within 30 days of supplementing the data contained in the complaint. If the User does not provide additional information, the complaint may be left without consideration.
11.4. The reply to the complaint will be sent to the e-mail address assigned to the user's account. In certain justified cases, the operator may send a reply to another e-mail address or to the postal address indicated by the user.
11.5. Complaints arising from ignorance of the regulations or the law will not be considered.
11.6. The Operator may refuse to consider a complaint if the user does not submit it within 14 days from the occurrence of the circumstances which are the subject of the complaint.
11.7. In the case of a negative consideration of a complaint, the User may bring an action before the competent common court.
12. Termination of the agreement.
12.1. The User has the right to terminate the agreement for electronic provision of services with the Operator of the Website onlinekantorkurs.pl at any time, without having to give 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 Website.
12.3. In order to terminate the agreement for the provision of electronic services with the Operator of the Website, the User must use the Customer Panel.
12.4. Upon termination of the agreement, the Operator of the Website deletes the User Account.
13. Intellectual property.
13.1. The materials posted on the onlinekantorkurs.pl website may only be used within the scope of permitted use in accordance with the provisions of copyright law.
13.2. It is forbidden to distribute, transmit, modify, publish or use the content of the website of the service for public or commercial purposes.
13.3. The content of the website pages of the service is the property of the operator. All trademarks and materials on the pages of the website 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 Users of onlinekantorkurs.pl website, as defined by the Personal Data Protection Act, is Kantor Kurs Sp. z o.o., ul. Szewska 75/77, 50-121 Wrocław. It has an entry in the REGON register: 523195527 and NIP tax identification number: 8971912239, date of entry in the Kantor Register 27/09/2022 entry no: 19287.
14.2. The administrator of the personal data of the Service Users does not make this data available to third parties. The data are not and will never be sold to anyone. The Administrator shall not pass the personal data of the Users to other Users or other business entities without the User's consent.
14.3. The personal data collected by the Operator shall be processed for the purposes of:
- implementation of the Services, provided through the Website, in accordance with the Personal Data Protection Act,
- implementation of the provisions of the Act on Prevention of Money Laundering and Terrorist Financing,
- issuing and sending purchase/sales receipts,
- communication between Users and the Operator,
- to provide the Users with information related to the use of the Website,
- accounting,
- processing of complaints,
- verification whether the registrant meets the conditions and legal regulations required by the Regulations.
14.4. Accepting the terms and conditions means consenting 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. Non-acceptance of the regulations makes it impossible to use the service onlinekantorkurs.pl.
14.5. The User voluntarily gives his/her personal data in order to use the service onlinekantorkurs.pl.
14.6. It is not obligatory to consent to the processing of personal data for marketing purposes by the Operator and other entities associated with it.
14.7. The User has the right to inspect his/her personal data and the right to correct or delete it.
14.8. If the personal data provided by the User during the registration process becomes outdated, the User is obliged to update it immediately. If the User has not updated his/her personal data after it has been changed, the Operator shall have the right to suspend the provision of Services to the User, and the User shall assume all risks related thereto. The Operator shall also have the right to block the User's account if the User's personal data is removed from the database collected by the Operator.
14.9. User data may be made available only to entities entitled to receive such data in accordance with the applicable legislation, including the relevant judicial authorities and financial supervisory bodies.
14.10. In connection with the provision of currency exchange services on the Website, the Operator processes 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 (RODO).
15. Limitations of liability.
15.1. The Operator reserves the right to suspend or refuse the execution of a transaction without stating reasons if this is necessary in accordance with the provisions of the Anti-Money Laundering and Terrorist Financing Act or other applicable legislation. In such a case, the User shall not be entitled to any claims.
15.2. As part of the anti-money laundering and counter-terrorist financing procedures implemented, the Operator may request the User to provide additional explanations, information or data to identify the User. If such information is not provided, the Operator may apply the measures set out in Section 15.1..
16. Conditions of cancellation and force majeure.
16.1. The Operator reserves the right to close the Account of a given User and to cancel the transaction in the event of:
16.1.1. the provision of false or outdated personal data during the Registration of the User Account.
16.1.2. destroying, damaging, deleting, altering or obstructing access to computer data contained in the service onlinekantorkurs.pl, as well as in the event of interference 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 has 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 cancel the transaction in the following cases:
16.2.1. the discovery of non-existent or unrealistic deviations in the exchange rates published on the Service, which arose due to independent reasons, e.g. a fault in the transaction system.
16.2.2. The occurrence of circumstances that make it impossible to carry out transactions under normal (existing) and foreseeable conditions, or in the event that an excessive number of Users sell/buy a specific currency at a specific rate, resulting in significant losses for the Operator,
16.2.3. Force Majeure, i.e. an external event which could not have been foreseen by the Operator and which was beyond the Operator's control, including failure of electronic banking systems used by the Operator in the process of exchange and delivery of currencies to the Clients' accounts as well as failure of the server system.
16.3. The Operator shall not be liable for failure to perform or improper performance of its obligations under the Terms and Conditions if such failure is caused by circumstances beyond the Operator's control despite exercising due diligence - the so-called Force Majeure. In such a case, the performance of the services may be suspended for a period of time which corresponds to the period of time during which the force majeure is in effect.
16.4. The Operator shall not under any circumstances reimburse or compensate the User in the event of loss of profits, and the Operator shall not be liable for any risks related to the User's business or other activities. All responsibility for his/her 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 directed to the e-mail address info@onlinekantorkurs.pl.
17.2. If the Operator discovers illegal activities of the User or suspects such activities, the Operator shall inform the relevant judicial authorities.
17.3. The agreement between the User and the Operator concerning the Services provided on the Website under the Terms of Use shall be governed by the provisions of the Polish law.
17.4. In matters not regulated herein, the relevant provisions of law shall apply.
17.5. Any disputes shall be resolved by the Polish courts in accordance with the provisions of the Civil Procedure Code.
18. Entry into force and amendments to Terms of Service.
18.1. The Operator of the Website onlinekantorkurs.pl reserves the right to make changes to the Regulations at any time during the provision of the Services, without having to give reasons.
18.2. Amendments to the Regulations shall come into force on the date indicated by the Operator of the Website, of which the User shall be notified on the Website.
18.3. The Operator shall inform the User about each change to the Terms of Use at least 7 days in advance by placing the regulation in the new edition under the link https://onlinekantorkurs.pl/regulamin.
18.4. If the User does not object to the amendments to the Operator prior to the effective date of the amendments, the User shall be deemed to have agreed to them. The User shall have the right to terminate the Agreement before the proposed effective date of the changes, with immediate effect and without payment.
18.5. Amendments shall become effective on the date indicated by the Operator, but not less than 7 days from the date the amended Rules are made available by the Operator, with the proviso that transactions commenced prior to the effective date of the amendments to the Rules shall be carried out pursuant to the rules in force prior to the introduction of the amendments.
18.6. In the event that the Operator becomes aware of the User's use of the Service in a manner inconsistent with the Terms and Conditions or applicable laws and regulations, the Operator shall have the right to immediately cease providing the Services to such User, block the User's account and terminate the Agreement with immediate effect.
18.7. In the event of termination of the Agreement, any monies derived from currency exchange or from deposits not used for currency exchange shall be promptly paid to the User's relevant bank accounts in accordance with the provisions of the Terms and Conditions relating to account verification, and subject to any provisions of law that may oblige the Operator to withhold funds.
18.8. The Regulations shall come into force on 31/03/2023.
*The text of these Regulations is translated from Polish into English. The original document is in Polish and takes precedence over the English version.