Terms of Service

These Terms of Service ("Terms") govern your access to and use of the Voltaic website at voltaicpl.com and any educational materials, courses, or content provided through it. By accessing the website, you agree to these Terms.

1. About Voltaic

Voltaic is an educational platform operated from Kokotów 812B, 32-002 Kokotów, Poland. We provide informational and educational content related to home budget management and personal finance. Contact: info@voltaicpl.com, +48 519 307 496.

2. Nature of Content

All content on the Voltaic website, including course materials, blog articles, worksheets, and guides, is provided for general educational and informational purposes only. The content does not constitute financial advice, investment advice, legal advice, or any other form of professional advice. Nothing on this website should be interpreted as a recommendation to take any specific financial action.

You are solely responsible for any financial decisions you make. We encourage you to consult qualified professionals for advice tailored to your specific circumstances.

3. Acceptable Use

You may use the Voltaic website for personal, non-commercial educational purposes. You agree not to:

• Copy, reproduce, or distribute any content from the website without prior written permission
• Use the website in any way that violates applicable laws or regulations
• Attempt to gain unauthorized access to any part of the website or its underlying systems
• Use automated tools to scrape, crawl, or extract content from the website
• Transmit any harmful, offensive, or disruptive content through any contact channels

4. Intellectual Property

All content on the Voltaic website, including text, images, graphics, course materials, and the website design, is the intellectual property of Voltaic or its licensors and is protected by applicable copyright and intellectual property laws. No content may be reproduced, distributed, or used commercially without express written permission.

5. Disclaimer of Warranties

The website and its content are provided "as is" without warranties of any kind, express or implied. We do not warrant that the website will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy, completeness, or suitability of any content for any particular purpose.

6. Limitation of Liability

To the fullest extent permitted by applicable law, Voltaic shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the website or reliance on its content. Our total liability for any claim shall not exceed the amount you paid to us in the twelve months preceding the claim, or zero if no payment was made.

7. External Links

The website may contain links to third-party websites for reference purposes. These links are provided for convenience only. We have no control over the content of linked sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.

8. Privacy

Your use of the website is also governed by our Privacy Policy and Cookie Policy, which are incorporated into these Terms by reference.

9. Governing Law

These Terms are governed by and construed in accordance with the laws of Poland. Any disputes arising from these Terms or your use of the website shall be subject to the jurisdiction of the competent courts in Poland. If you are a consumer resident in the EU, you also have the right to use the EU Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

10. Changes to These Terms

We may update these Terms from time to time. The current version will always be available on this page with the date of last update indicated at the top. Continued use of the website after changes constitutes acceptance of the updated Terms.

11. Contact

For any questions about these Terms, contact us at info@voltaicpl.com or write to: Voltaic, Kokotów 812B, 32-002 Kokotów, Poland.