Terms of Use

Last Updated: 23 June 2026 | Rufunu | rufunu.info

A. Acceptance of Terms

By accessing or using the website located at rufunu.info (the "Website"), you agree to be bound by these Terms of Use (the "Terms"). These Terms constitute a legally binding agreement between you and Rufunu, operating at Świętojańska 1, Bydgoszcz, Poland. If you do not agree to these Terms, you must not use the Website. Your continued use of the Website following any modification to these Terms constitutes acceptance of the revised Terms. Rufunu reserves the right to modify these Terms at any time, and the most current version will be published at rufunu.info/terms.html with an updated date.

B. Nature and Purpose of the Website

The Website provides educational and informational content focused on the psychology of saving habits, including materials on behavioral economics, cognitive psychology, and habit formation. All content published on the Website is provided for general educational and informational purposes only. Nothing on this Website constitutes financial advice, investment advice, legal advice, tax advice, or any other form of professional advice. Rufunu is not a licensed financial institution, investment firm, or financial advisor under Polish law or EU financial services regulation. Users must not rely on any content on this Website as a basis for financial decisions. Users are encouraged to seek qualified professional advice for matters specific to their financial situation.

C. Intellectual Property Rights

All content published on the Website, including but not limited to text, graphics, images, logos, icons, module materials, and the overall design and layout of the Website, is the property of Rufunu or its content licensors and is protected by applicable Polish and European intellectual property law, including the Polish Act of 4 February 1994 on Copyright and Related Rights (Ustawa z dnia 4 lutego 1994 r. o prawie autorskim i prawach pokrewnych). Users are granted a limited, non-exclusive, non-transferable, revocable licence to access and use the Website and its content for personal, non-commercial educational purposes only. No content may be reproduced, distributed, modified, publicly displayed, or used to create derivative works without the prior written consent of Rufunu.

D. Permitted and Prohibited Use

You may use the Website to access educational materials, submit inquiries through the contact form, and enroll in the educational program. You must not: use the Website for any unlawful purpose or in any manner inconsistent with these Terms; attempt to gain unauthorized access to any part of the Website or its underlying systems; transmit any unsolicited commercial communications; use automated tools to scrape, crawl, or extract data from the Website without prior written consent; impersonate any person or entity or misrepresent your affiliation with any person or entity; or upload or transmit any content that is harmful, offensive, defamatory, or that infringes the intellectual property rights of any third party.

E. Disclaimer of Warranties

The Website and all content provided through it are offered on an "as is" and "as available" basis without warranties of any kind, either express or implied, to the fullest extent permitted by applicable law. Rufunu does not warrant that the Website will be uninterrupted, error-free, or free of viruses or other harmful components. Rufunu does not warrant the accuracy, completeness, or timeliness of any content on the Website. Educational materials are based on published research in behavioral science and psychology, but Rufunu makes no representation that the content is suitable for any particular individual's circumstances.

F. Limitation of Liability

To the maximum extent permitted by applicable Polish and EU law, Rufunu shall not be liable for any indirect, incidental, consequential, special, or punitive damages arising out of or in connection with your use of or inability to use the Website, its content, or any educational materials. This limitation applies regardless of the legal theory on which the claim is based, even if Rufunu has been advised of the possibility of such damages. Nothing in these Terms limits liability that cannot be excluded under mandatory applicable law, including consumer protection provisions under the Polish Act of 30 May 2014 on Consumer Rights (Ustawa z dnia 30 maja 2014 r. o prawach konsumenta).

G. Third-Party Links and Resources

The Website may contain links to third-party websites or reference external research publications and academic sources. Such links are provided for informational purposes only and do not constitute an endorsement of the linked website or its content. Rufunu has no control over the content, privacy practices, or availability of third-party websites and accepts no responsibility for them. Users access third-party websites at their own risk and subject to the terms and conditions of those websites.

H. Governing Law and Jurisdiction

These Terms are governed by and construed in accordance with the laws of Poland, including applicable EU law as implemented in Polish legislation. Any disputes arising out of or in connection with these Terms or the use of the Website shall be subject to the exclusive jurisdiction of the competent courts of Poland, unless mandatory consumer protection law applicable to the user provides otherwise. If you are a consumer resident in the European Union, you may also have the right to use the online dispute resolution platform provided by the European Commission at https://ec.europa.eu/consumers/odr.

I. Severability

If any provision of these Terms is found to be invalid, unlawful, or unenforceable under applicable law, such provision shall be modified to the minimum extent necessary to make it valid, lawful, and enforceable, or severed from these Terms if modification is not possible. The remaining provisions of these Terms shall continue in full force and effect. The failure of Rufunu to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.

J. Contact

Questions regarding these Terms of Use may be directed to Rufunu at: Świętojańska 1, Bydgoszcz, Poland, email: [email protected], telephone: +48 52 328 6760. Rufunu will endeavour to respond to all written inquiries within a reasonable time.