Terms of Service

1. Definitions and general provisions

1. These Terms of Service define the rules for using the Podatek Gieldy.pl website available at podatekgieldy.pl (hereinafter: the "Service").
2. The owner and operator of the Service is the company MySelf Yevhen Shcherbynskyi based in Warsaw (hereinafter: the "Provider").
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. A refund is possible within 14 days from the date of purchase, provided that the user has not downloaded any PDF reports containing data for tax declarations. The refund is issued based on a written request sent to kontakt@podatekgieldy.pl.
4. In the event of technical problems preventing the use of the Service, the user has the right to request a proportional refund of the fee for the unused 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: