These Terms of Use govern your access to and use of the website located at ruhove.info (the "Site") operated by Ruhove, Jagiellońska 103/701, Bydgoszcz, Poland. By accessing or using the Site, you agree to be bound by these Terms. If you do not agree to these Terms, you should not use the Site.
A. Nature of Content
The Site provides general educational information about personal finance concepts and habit formation. All content published on the Site is educational content intended to build general financial awareness. Nothing on this Site constitutes financial advice, investment advice, tax advice, or any form of regulated financial service.
Ruhove's programs and materials describe general approaches to financial awareness and habit formation. They do not account for your individual financial situation, tax position, legal circumstances, or investment objectives. For decisions affecting your personal finances, consulting a qualified financial advisor licensed in Poland is advisable.
B. Intellectual Property
All content on this Site, including text, design, graphics, logos, and program materials, is the intellectual property of Ruhove unless otherwise stated. This content is protected under Polish copyright law (Ustawa z dnia 4 lutego 1994 r. o prawie autorskim i prawach pokrewnych) and applicable European Union intellectual property regulations.
You may view, print, and download content from the Site for your personal, non-commercial use. You may not reproduce, republish, distribute, sell, or create derivative works from Site content without prior written permission from Ruhove.
C. Acceptable Use
You agree to use this Site only for lawful purposes and in a manner that does not infringe the rights of others. Specifically, you must not use the Site to:
Transmit any material that is unlawful, harmful, threatening, abusive, defamatory, or otherwise objectionable. Attempt to gain unauthorized access to any part of the Site or its underlying systems. Use automated tools to scrape, crawl, or harvest content from the Site without permission. Misrepresent your identity or affiliation when contacting Ruhove through the Site.
D. Disclaimers and Limitation of Liability
The Site and its content are provided "as is" without warranties of any kind, express or implied. Ruhove does not warrant that the Site will be uninterrupted, error-free, or free of viruses or other harmful components.
To the maximum extent permitted by applicable Polish law, Ruhove shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Site or reliance on its content. This limitation does not apply to cases of gross negligence or intentional misconduct, or to consumer rights that cannot be excluded under Polish consumer protection law (Ustawa z dnia 30 maja 2014 r. o prawach konsumenta).
E. External Links
The Site may contain links to third-party websites. These links are provided for convenience only. Ruhove does not endorse, control, or take responsibility for the content, privacy practices, or availability of linked external websites. Accessing external links is at your own discretion and risk.
F. Privacy
Your use of this Site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please read the Privacy Policy carefully to understand how we handle your personal data.
G. Governing Law and Jurisdiction
These Terms are governed by Polish law. Any disputes arising from or relating to these Terms or your use of the Site shall be subject to the exclusive jurisdiction of the courts of Poland, without prejudice to any mandatory consumer protection rights you may have under applicable law.
H. Modifications to Terms
Ruhove reserves the right to modify these Terms at any time. Changes take effect upon publication on the Site. The date shown at the top of this page reflects the most recent revision. Continued use of the Site after modifications constitutes acceptance of the revised Terms.
I. Contact
Questions about these Terms may be directed to Ruhove at [email protected] or by post to Jagiellońska 103/701, Bydgoszcz, Poland.