Legal

Terms of Use

Last Updated: 15 July 2026

These Terms of Use ("Terms") govern access to and use of the website zivere-zucasa.info and the educational materials made available on it by Zivere Zucasa, based at Szlak 77/222, Kraków, Poland. By accessing this website, you agree to these Terms. If you do not agree, please discontinue use of the website.

A. Purpose of the Website

This website provides information about, and access to, an educational course of structured self-reflection exercises and practical daily steps concerning personal money habits and their possible origins in childhood experience. The website is informational and educational in nature. It does not sell financial products, provide investment advice, or offer clinical psychological treatment.

B. Definitions

"Course" or "Program"

The structured set of reflection exercises, workbooks, audio prompts, and practical daily steps made available through this website, organized into tracks and modules.

"User" or "You"

Any person who accesses or uses this website or any part of the Course materials.

"Materials"

All text, workbooks, audio recordings, graphics, and other content made available on the website or as part of the Course.

"We", "Us", "Our"

Zivere Zucasa, the operator of this website and provider of the Course.

C. Nature of the Program

The Course is educational and reflective in nature. It is explicitly not a form of psychotherapy, counseling, or clinical mental health treatment, and it is not delivered by licensed mental health professionals. It also does not constitute financial, investment, tax, or legal advice of any kind. Any decisions made following participation in the Course remain solely the responsibility of the User.

D. Eligibility and Use

The website and Course materials are intended for adult users. By using this website, you confirm that you are using it for personal, non-commercial, educational purposes and that any information you provide to us is accurate to the best of your knowledge.

E. Intellectual Property

All Materials, including text, workbook layouts, and audio content, are the intellectual property of Zivere Zucasa or its licensors and are protected under applicable Polish and European Union copyright law. Materials may not be copied, redistributed, or used for commercial purposes without prior written permission.

F. User Conduct

Users agree not to attempt to disrupt the operation of the website, not to misrepresent their identity when contacting us, and not to use any content from the website in a manner that infringes the rights of Zivere Zucasa or third parties.

G. Disclaimers and Limitation of Liability

The website and Course Materials are provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied. To the extent permitted by applicable Polish law, Zivere Zucasa shall not be liable for any indirect, incidental, or consequential loss arising from the use of, or inability to use, the website or Materials. Nothing in these Terms excludes liability that cannot lawfully be excluded under Polish consumer protection law.

H. No Professional Advice

Nothing on this website constitutes professional advice of any kind, including financial, legal, tax, or mental health advice. Users experiencing significant emotional distress or financial hardship are encouraged to seek appropriately qualified professional assistance rather than relying solely on Course Materials.

I. Governing Law

These Terms are governed by the laws of the Republic of Poland, without regard to conflict of law principles, and interpreted consistently with applicable European Union consumer protection regulations.

J. Dispute Resolution

Any dispute arising from these Terms shall first be addressed through direct correspondence with Zivere Zucasa. Where a User is a consumer resident in the European Union, they may also make use of the European Commission's Online Dispute Resolution (ODR) platform, available at ec.europa.eu/consumers/odr.

K. Changes to These Terms

We may revise these Terms from time to time. Any changes take effect upon publication on this page, indicated by the "Last Updated" date above. Continued use of the website after changes are published constitutes acceptance of the revised Terms.

L. Contact Information

For questions regarding these Terms, contact Zivere Zucasa at Szlak 77/222, Kraków, Poland, by email at [email protected], or by phone at +48 575 196 508.