Terms of Service

1. Definitions and general provisions

1. These Terms of Service define the rules for using the website podatekgieldy.pl (hereinafter: the "Service").
2. The owner and operator of the Service is Yevhen Shcherbynskyi, a natural person conducting unregistered business activity (działalność nierejestrowana) within the meaning of Article 5(1) of the Polish Entrepreneurs' Law of 6 March 2018, residing in Warsaw (hereinafter: the "Provider"). The Provider is not a registered VAT taxpayer and does not issue VAT invoices; upon request from a User who is an entrepreneur, a sales document (rachunek) will be issued.MySelf Yevhen Shcherbynskyi
3. Acceptance of the Terms of Service and Privacy Policy is recorded where required during signup or later account use. Simply visiting the website does not replace those required confirmations.
4. The Service is intended for individuals who are Polish tax residents, who carry out transactions on financial instruments and require capital gains tax settlement.

2. Scope of services

1. The Service offers the following functionalities:
   • Importing files from broker transaction reports (CSV, XLSX formats)
   • Automatic processing and classification of transactions
   • Calculating PIT-38 tax (stocks, ETFs, dividends) and PIT-ZG (foreign income) using the FIFO method
   • Generating tax reports in PDF format
   • Storing transaction data (in the Professional plan)
2. The Service does NOT provide:
   • Tax advisory services within the meaning of the Act of July 5, 1996 on Tax Advisory
   • Accounting or bookkeeping services
   • Legal or financial advice
   • Automatic filing of tax declarations with the tax office
3. The calculation results are for informational and auxiliary purposes only. They do not constitute a binding interpretation of tax regulations or a guarantee of the correctness of the settlement.

3. Modes of using the Service

4. User obligations and responsibilities

1. Correctness of source data — the user is responsible for the accuracy, completeness, and timeliness of data imported into the Service from broker reports.
2. Verification of calculation results — before filing a tax declaration, the user is obligated to independently verify the generated calculations and compare them with their own source documents.
3. Filing tax declarations — the user independently files PIT-38 and PIT-ZG declarations at the appropriate tax office and bears full responsibility for their content.
4. Storing documentation — the user is obligated to store original source documents (broker reports, transaction confirmations) in accordance with applicable tax law regulations.
5. Account security — the user is obligated to maintain the confidentiality of login credentials and not share account access with third parties.

5. Limitation of the Provider's liability

1. The Provider makes every effort to ensure that the calculation algorithms comply with the applicable tax regulations, however it does not guarantee the correctness, completeness, or timeliness of calculations in the context of the user's individual tax situation.
2. The Provider is not liable for:
   • Tax decisions, sanctions, penalties, or interest resulting from the use of the Service
   • Errors resulting from incorrect, incomplete, or outdated data entered by the user
   • Changes in tax regulations that may affect the correctness of calculations
   • Interpretive differences between tax authorities and the Service's results
   • Indirect, consequential damages, or lost profits
   • Loss of data resulting from user actions or force majeure
3. The maximum liability of the Provider is limited to the amount of the fee paid by the user for the Professional plan in the given billing period.

6. Payments and refunds

1. Payments for the Professional plan are processed by the external payment operator Stripe, Inc. The Provider does not store users' payment card data.
2. Access to the Professional plan is valid until the date specified at the time of purchase (typically until the end of the tax settlement period, i.e., April 30 of the following year).
3. Right of withdrawal (refund without stating a reason): The user may withdraw from the contract within 14 days of the purchase date in accordance with Article 27 of the Polish Consumer Rights Act of 30 May 2014, provided that the user has not used the Service's calculation features (file import, transaction processing, tax calculation generation, or PDF report download). Using any calculation feature of the Service constitutes consent to the immediate provision of a digital service within the meaning of Article 38(13) of the aforementioned Act, resulting in the loss of the right to withdraw without stating a reason.
4. Refund due to technical errors — immediate: If the user identifies a technical error in the Service (incorrect calculations, data processing errors, malfunctions preventing the use of features) and reports it to the Provider, and does not wish to wait for a fix, the user is entitled to a full refund without additional conditions. The refund is processed promptly upon confirmation of the report by the Provider.
5. Refund due to technical errors — repair procedure: If the user agrees to wait for the reported error to be fixed, the Provider commits to resolving the issue as soon as possible. During the repair procedure: (a) if additional technical errors confirmed by the Provider occur, the user retains the right to request a full refund; (b) once the error has been successfully resolved and the Service is confirmed to be functioning correctly, the right to a refund on this basis expires.
6. Error confirmation conditions: A refund due to a technical error is only available if the reported problem is confirmed by the Provider as an actual error in the Service. If verification shows that the reported problem does not constitute a Service error (e.g., it results from incorrect input data, specifics of tax regulations, or correct algorithm behavior), a refund is not available.
7. Abuse protection: The Provider reserves the right to refuse a refund in cases indicating abuse of the refund procedure, in particular: (a) requesting a refund after the reported error has been successfully fixed and the Service is functioning correctly; (b) repeatedly reporting non-existent errors to obtain a refund; (c) fully utilizing the Service's features (including downloading tax reports) before requesting a refund without a justified technical reason. The Provider documents all reports, repairs, and interactions with the user for objective assessment of refund request validity.
8. Refund procedure: All refund requests should be directed to kontakt@podatekgieldy.pl with a description of the basis for the request. The Provider processes refund requests within 14 business days of receipt. Refunds are issued using the same payment method used for the original purchase.
9. The Provider's maximum financial liability for refunds is limited to the amount of the fee actually paid by the user for the Professional plan in the given billing period.

7. Intellectual property

1. The Service, its structure, source code, calculation algorithms, user interface, and graphic elements are the property of the Provider and are protected by copyright and other intellectual property laws.
2. The user retains full rights to their transaction data imported into the Service. The Provider does not claim any rights to the user's data.
3. Copying, modifying, distributing, or using any elements of the Service for commercial purposes without the written consent of the Provider is prohibited.

8. Final provisions

1. The Provider reserves the right to make changes to the Terms of Service. Users will be notified of significant changes 14 days in advance via a notification in the Service or an email.
2. In matters not regulated by these Terms of Service, the provisions of Polish law shall apply, in particular the Civil Code and the Act on Providing Services by Electronic Means.
3. Any disputes arising from the use of the Service shall be resolved by the court having jurisdiction over the Provider's registered office, unless the law provides otherwise.
4. If any provision of the Terms of Service is found to be invalid or unenforceable, the remaining provisions shall remain in force.

9. Contact

Any questions regarding the Terms of Service or the operation of the Service should be directed to: