Terms of service and privacy policy

Regulations

The euro-insurance.pl Service is an Internet platform created in order to enable the Users of the Service to access the offer proposals for insurance services in the field of property and personal insurance, operating on the basis of these Regulations in accordance with generally applicable legal regulations. Polisarium sp. z o.o., through the Service owned by Net Technology sp. z o.o., provides the Service's resources concerning the insurance market to the Users free of charge.

 § 1 Definitions

The terms used in the Regulations have the following meanings:

Polisarium sp. z o.o. or Service Provider - Polisarium sp. z o.o. with its registered seat in Warsaw, 8 Olszewska St., entered in the Register of Entrepreneurs of the National Court Register kept by the District Court for the Capital City of Warsaw, 13th Commercial Division of the National Court Register under KRS number: 0000565494, NIP: 5213700480, Regon: 361938815, amount of the company's share capital: PLN 5000, fully paid-up capital. Polisarium sp. z o.o. is an insurance agent entered in the register of insurance intermediaries kept by the supervisory authority - the Polish Financial Supervision Authority with its seat in Warsaw, Plac Powstańców Warszawy 1, 00-950.
Net Technology sp. z o.o. - the entity in charge of managing the Website and maintaining its efficient operation, i.e. Net Technology sp. z o.o. with its registered office in Warsaw, 8 Olszewska St., registered in the register of entrepreneurs kept by the District Court for the Capital City of Warsaw, XIII Economic Department of the National Court Register under KRS: 0000402491, NIP: 5213623383, Regon: 145897963, amount of the company's share capital: PLN 100,000, fully paid-up capital.
User - a natural person with full legal capacity, a legal person or an organizational unit without legal personality, to which the law grants legal capacity, using the resources and services made available on the Website or by the Call Center.
Service - the Internet portal, which is located at the following Internet address: https://iarina028.supserv.cozmoslabs.com.
The Service is an Internet platform, which is a compilation of various types of Internet services, enabling Users to use the resources provided on the Service concerning the insurance market, as well as providing other services to Users electronically, including the conclusion of insurance contracts.
Call Center - telephone service provided by the Administrator or Service Provider or Insurance Companies.
Call Center Consultant - an employee of the Administrator or Service Provider or Insurance Company operating the Call Center.
Transaction pages - The pages of the Service, which include forms that allow the conclusion of insurance contracts at a distance and ongoing payment by payment cards and instant electronic transfers.
Agency activities - Activities performed by employees of Polisarium sp. z o.o. on behalf of an insurance company, consisting in leading to the conclusion of an insurance contract by the User with an insurance company selected by the User, in particular, consisting in performing preparatory activities for the conclusion of an insurance contract and participating in the management and execution of insurance contracts, to the extent and under the terms of the Insurance Brokerage Act.
Services - Enabling the User to compare insurance offers through the Service and the Agency Activities referred to in Section 8 above, in terms of concluding insurance contracts through the Service or Call Center and making insurance premium payments using payment cards or bank transfers.
Insurance company - an entity engaged in the business of providing insurance services in accordance with applicable laws and regulations, on behalf of which, based on a power of attorney received, the Service Provider performs agency activities; information about the Insurance Companies for which the Service Provider performs agency activities can be found on the Website and in the Register of Insurance Agents, available on the website of the Polish Financial Supervision Authority at https://au.knf.gov.pl/Au_online/faces/Info.xhtml.
Policyholder - User entering into an insurance contract using the Service's Transaction Pages.
Insured - natural person, legal person or unincorporated organizational unit for whose account the insurance contract is concluded.
Policy - document, confirming the conclusion of the insurance contract.
Insurance contract - concluded between the Policyholder and the Insurance Company selected by the Policyholder, an insurance contract for compulsory or voluntary motor insurance.
Uodo - Act of August 29, 1997 on the protection of personal data (consolidated text Dz.U. of 2002, No. 101, item 926, as amended).
Uśude - Act of July 18, 2002 on the provision of electronic services (Journal of Laws No. 144, item 1204, as amended).
Uuo - Act of May 22, 2003 on compulsory insurance, the Insurance Guarantee Fund and the Polish Motor Insurers' Bureau (Journal of Laws No. 124, item 1152, as amended).
KC - Act of April 23, 1964 Civil Code (Journal of Laws No. 16, item 93, as amended).
T&CS - General terms and conditions of insurance, on the basis of which the Insurance Agreement for voluntary insurance is concluded; GTCs are made available free of charge through the Transaction Sites in a form that allows them to be downloaded, recorded, reproduced and printed.
Privacy Policy - document, which is an integral part of the Terms of Service, setting out the rules for the collection, processing, storage and protection of the User's personal data, the function and purpose of the software introduced into the information and communication system used by the User and the risks associated with the use of the Service.

§ 2 Preliminary provisions

The Regulations were drawn up and function on the basis of the applicable provisions of Polish law.
The subject of the regulation is the terms and conditions for the operation of the euro-insurance.co.uk web portal, located at https://iarina028.supserv.cozmoslabs.com.
The Regulations define the rights and obligations of Site Users, as well as the rights, obligations and responsibilities of the Service Provider as an entity providing Services through the Site.
The Regulations set out the type, scope and conditions for the provision of Services through the Website used under the relevant agreements by the Service Provider and through the Call Center.
Each User is obliged to familiarize himself with the content of the Regulations before using the Services available through the Site. The User's use of the Site constitutes acceptance of all provisions of the Regulations and the User's obligation to comply with them, by which he/she enters into an agreement with the Service Provider for the provision of electronic services.
Each User, in order to use the Services, agrees to the processing of his/her personal data to the extent and under the terms of the Privacy Policy or to the extent and under the terms of Article 23 of the PDPA.
The Service Provider, in connection with its activity as an insurance agent, is obliged to apply the „Principles of Good Insurance Practices”, adopted by the Polish Insurance Association, the content of which is available on the website of the Polish Insurance Association, at: https://piu.org.pl/zasady-dobrych-praktyk/project/132/pagination/1.
In matters not regulated in these Regulations for the provision of services by electronic means, and in particular for the submission of declarations of intent in electronic form, the provisions of the Civil Code (Journal of Laws of 1964, No. 16, item 93, as amended), the Act of July 18, 2002 on the provision of services by electronic means (Journal of Laws of 2002, No. 144, item 1204, as amended), the Act of August 29, 1997 on Personal Data Protection (Journal of Laws of 2002, No. 101, item 926, as amended), the Act of May 22, 2003 on Insurance Activity (Journal of Laws of 2010, No. 11, item 66), the Act of May 22, 2003 on Insurance Intermediation (Journal of Laws. No. 124, item 1154, as amended. - hereinafter referred to as the „Act on Insurance Intermediation”), the Act of May 30, 2014 on Consumer Rights (Journal of Laws of 2014, item 827), and other relevant legislation.

§ 3 Conclusion and termination of the agreement for the provision of Services by electronic means

These Terms of Service, including the Privacy Policy, are an integral part of the agreement between Polisarium sp. z o.o. and the User for the provision of services by electronic means. Commencement of use of the Services made available on the Website available at euro-insurance.pl must be preceded by full acceptance of the provisions of these Regulations, including the Privacy Policy, which involves the conclusion of an agreement for electronic provision of these Services without the need to draw up a separate agreement. The agreement for electronic provision of services is concluded for the duration of the User's use of the Website resources.
Subject to paragraph 3 below, the agreement for the provision of Services by electronic means shall automatically terminate without the need to make any additional representations as soon as the User leaves the pages of the Site where the Service is made available or as soon as the User terminates the conversation with the Call Center Consultant.
If the User has applied for an Insurance Agreement and subsequently concluded an Insurance Agreement through the Service - the Service Agreement shall terminate at the latest upon termination of the Insurance Agreement, which shall take place in the cases and according to the rules set forth in the T&Cs of the selected Insurance Company in the case of voluntary insurance and the Law on Compulsory Insurance in the case of compulsory insurance referred to in this Law, including third party motor vehicle liability insurance.
The user has the right to withdraw from the contract for the provision of electronic services within 14 days from the date of conclusion of the contract without giving any reason.
The deadline for withdrawal from the contract expires after 14 days from the date of conclusion of the contract.
In order to exercise the right to withdraw from the contract, the User must inform the Service Provider of his/her decision to withdraw from the contract by an unequivocal statement sent in writing to the address: 8 Olszewska Street, 01-360 Warsaw, or by e-mail to pomoc@polisarium.pl.
The user may use the model withdrawal form, attached as Appendix 1 to the Regulations, but it is not mandatory.
In order to comply with the withdrawal period, it is sufficient for the User to send information regarding the exercise of his/her right of withdrawal before the expiry of the withdrawal period.

§ 4 Communication of the Service Provider with the User

Communication between the Service Provider and the User with regard to the Services provided shall take place:

by posting messages directed by the Service Provider to Users via the euro-insurance.pl website;
By telephone - with respect to Users who use the Services through the Call Center;
by e-mail, using the e-mail address indicated by the User and the following e-mail address of the Administrator:
admin@polisarium.pl
or the Service Provider's email address:
pomoc@polisarium.pl.
 
In addition, the User may also contact the Service Provider:
 
directing the letter to the correspondence address of Net Technology sp. z o.o.: 8 Olszewska St., 00-792 Warsaw,
By sending an email to:
pomoc@polisarium.pl
Or through a dedicated contact form,
by calling at: 22 299 11 11,
expressing such a wish by indicating a request for contact from the Call Center
in person at the offices of the Service Provider, at the address indicated in item a.
 
If the User uses the form of contact indicated in paragraph 2, the Service Provider may respond as appropriate:
 
by sending a reply to the received correspondence to the sender's address,
By telephone through the Call Center,
In person by its representative,
via e-mail to the e-mail address indicated by the User.

§ 5 General principles of providing Services by electronic means

Electronic services using the Website are provided at all times, i.e. 24 hours a day, 7 days a week, and in the case of the Call Center on the dates and hours of operation of the Insurance Companies or the Service Provider.
For the use of the Service for comparing insurance quotes, as well as for the presentation of insurance quotes by the Call Center Consultant, the User shall not incur any costs other than the call fee.
If you conclude an Insurance Contract through the Service or the Call Center, you shall bear the cost of the policy, in accordance with the insurance offer accepted by you.
The proper operation of the Service and the Call Center may be interrupted for technical reasons, in particular due to the necessity of its repair or maintenance of the Service or the systems supporting the Call Center, as well as those related to the need to create security copies or process the collected data. Users will be notified of any interruption by displaying an appropriate message on the Website.
The Service Provider does not guarantee the correct functioning of the Service if the User uses hardware and software that does not meet the technical requirements specified in the Regulations. Provision of the Service may also be interrupted in the event of inadequate connection quality, damage or defects in telecommunications equipment, power systems, computer equipment, failure of the telecommunications network or power outages, interruption of the connection during the transaction or any action of third parties during the transaction.
The Service Provider has the right to block access to the Site, in case of irregularities in the use of the Site, in particular the occurrence of circumstances that could expose the User, the Service Provider or the Insurance Company to harm. The Service Provider shall not be liable for temporary suspension of access to the Site for the period of time necessary to remove the hazards or irregularities that have occurred.
Activities that may hinder or destabilize the operation of the Website are unacceptable. In case of suspicion of admitting such actions by the User, Polisarium sp. z o.o. has the right to take appropriate actions, including removal of effects of such actions. User's actions consisting in an attempt to destabilize the Service constitute a prohibited act under the applicable law. In such a situation, the Administrator is entitled to take appropriate actions, including those aimed at remedying the damage suffered.
It is also prohibited for the User to provide unlawful or offensive content to the Site or Call Center, as well as to undertake actions contrary to the Regulations or that may cause disruption or damage to the Site. The Service Provider shall not be liable for the User's use of the Site or Call Center services in a manner contrary to the provisions of the Regulations.
The User is obliged to refrain from any activities that would violate the privacy of other Users, primarily involving the collection, processing and dissemination of information about other Users without legitimizing the premise of data processing.
The User is obliged to refrain from any actions that could hinder or interfere with the functioning of the Service and actions to the detriment of the Administrator, Users and other entities.
The user is obliged to observe the rules of social coexistence and the ethical and moral norms accepted in society.
Before using the Services available through the Website, the User agrees to the processing of his/her personal data, as stated in the Privacy Policy.

§ 6 Intellectual property rights

The Service Provider declares that the Site contains documents protected by copyright, trademarks and other intangible assets which are the subject of intellectual property rights protection. The selection and arrangement of the content presented in the Service adopted in the Service constitutes an independent subject of copyright protection.
In using the Service, the User is obliged to comply with the provisions of copyright and rights under registration of industrial designs and protection rights to trademarks, utility models and rights under patents to inventions of the Service Provider, the Administrator and other entities.
Copyright to resources published on the Website belongs to the Administrator.
The User is obliged not to use any content presented on the Website beyond the scope of his/her own personal use. For the avoidance of any doubt, the use and disposal of such content beyond the scope of permitted personal use requires the prior consent of the Administrator.

§ 7 Conclusion of the insurance contract and payment of the insurance premium

Through the Service or Call Center, it is possible to conclude an Insurance Contract between the user and the insurance company represented by the Service Provider as an insurance agent.
The User, through the Transaction Sites, indicates the Policyholder and the Insured(s) and selects the type of insurance, its coverage and the sum or sums insured. In the case of Call Center services, the User submits the statements referred to in the preceding sentence to the Call Center Consultant.
The condition for the conclusion of the Insurance Agreement is that the User correctly indicates the personal data of the Policyholder and the Insured(s) and the persons, if any, entitled to receive insurance benefits in the event of the death of the Insured(s) (hereinafter referred to as „Beneficiaries”), as well as acceptance of the T&Cs and then the amount of the insurance premium.
The User, before indicating the data of other persons in accordance with paragraph 2, above, should obtain their consent to provide data to the Administrator, Service Provider and Insurance Company, and shall bear full responsibility for the consequences of failure to do so. The Administrator and the Service Provider shall not be liable to third parties for the fact that their data have been posted on the Site without their knowledge and consent.
The conclusion of the Insurance Contract is preceded by the calculation of the insurance premium using the Transaction Pages and the presentation to the User of a summary of the offer, including, in particular, the indication of the subject of the contract to be concluded and its main features, the total cost of purchasing the policy and its duration.
The User may also use the option of providing a telephone number, email address or other form of contact within the form, with a request for contact from the Call Center. If the User uses such an option, he/she agrees that his/her data, including the data entered as part of the Service, may be transferred to the Call Center under the terms and conditions more broadly defined within the Privacy Policy.
The Insurance Agreement is concluded by the User selecting the „Buy Policy” option, located on the Service's Transaction Page, which includes a summary of the offer and statements of intent required to conclude the Insurance Agreement. In the case of Call Center services, the User's declaration of intent to enter into an Insurance Agreement may be made by telephone to a Call Center Consultant.
The deadline for payment of the insurance premium is specified in the insurance contract or by the insurance company under the terms of the Civil Code.
Within the timeframe stipulated by the regulations, after the conclusion of the Insurance Agreement, the User will receive a Policy to the e-mail address indicated by him/her, confirming the conclusion of the Insurance Agreement.
The Policyholder, who is a consumer, may withdraw from the Insurance Agreement without stating reasons by submitting a statement to the relevant Insurance Company in writing, within 30 days from the date of conclusion of the Agreement or from the date of transmission to him/her by the Service Provider of the information referred to in Article 39 (1) of the Consumer Rights Act of May 30, 2014 (Journal of Laws of 2014, item 827), if it is later. The deadline is considered to have been met if the statement was sent before its expiration.
The Policyholder shall not bear the costs associated with the withdrawal, except for the costs referred to in paragraph 12.
In the case of service provision commenced with the consent of the Policyholder, who is a consumer, before the expiration of the time limits referred to in paragraphs 10 and 11, the Service Provider or the Insurance Company may demand payment of the premium for the period of insurance coverage provided.
In these Terms and Conditions, the provisions of the T&Cs under which the Insurance Contract is concluded shall apply to the Insurance Contract.
In connection with the conclusion of the Insurance Agreement, the User has the right to file a complaint in accordance with the provisions of §10 of these Regulations.

§ 8 Technical conditions for the provision of services

In order to properly use the services provided electronically through the Website, the User should have computer hardware and software that meets the following minimum requirements:
 
Edge browser version at least 41, Firefox version at least 37.0, Chrome version at least 42.0,
Cookies and JavaScript enabled
Minimum monitor resolution of 1024×768.
for Call Center services, it is required to have a telecommunications system that allows telephone calls with tone dialing.
 
Data sent using electronic forms within the Service is protected by the use of Secure Socket Layer (SSL), encrypted with a key length of 256 bits based on the TLS 1.2 encryption method.
Cookies are entered into the information and communication system used by the User, after obtaining the User's approval. 

§ 9 Liability rules

The Service Provider shall not be liable for the User's provision, on the Website at euro-insurance.pl, of inconsistent, incomplete and incorrect data, in view of the impossibility of their verification. The consequences of filling in the calculation form and policy data by the User with incorrect data shall be borne by the User.
The Service Provider shall not be liable for incorrect completion of the Site forms by the User, and in particular shall not be liable to any third party whose data was included in the Site form without their knowledge and consent.
It is forbidden for the User to provide content of an unlawful, offensive nature, content that is false or misleading, content that contains viruses or content that may cause disruption or damage to computer systems. If the Service Provider receives credible information about the unlawful nature of the stored data provided by the User, the Service Provider may prevent access to such data. Neither the Service Provider nor the Administrator shall be liable to the User for any damage caused by preventing access to data with unlawful content. If the Service Provider obtains credible knowledge of the unlawful nature of the data, it will notify the User of its intention to prevent access to the data.
In the event that the Service Provider suffers damage as a result of the User's provision of the content and data referred to above, the Service Provider will be entitled to seek compensation on general principles.

§ 10 Complaint procedure

The User of the Site has the right to file complaints regarding the Services offered. All complaints regarding the use of the Service and the Call Center should be submitted by e-mail to:
pomoc@polisarium.pl
Or by phone at the Call Center number.
The complaint should contain at least: the User's designation (including name, surname, e-mail address, mailing address, and in the case of legal persons and organizational units without legal personality, name, mailing address and data of the person authorized to conduct matters related to the complaint) and a concise presentation of the basis of the complaint.
The Service Provider will consider the complaint within 30 days of its receipt. If the complaint cannot be considered within this period, the Service Provider will notify the complainant of the reasons for the delay and the expected date for consideration of the complaint.
The response to the complaint is sent to the e-mail or mailing address indicated by the User, if so requested by the User when submitting the complaint.

§ 11 Final provisions

The law applicable to the Regulations and to contracts for the provision of services by electronic means concluded on the basis thereof shall be Polish law.
The court of general jurisdiction for disputes arising in connection with the application of the Regulations or arising in connection with electronic services provided on the basis thereof shall be the court of general jurisdiction.
The Polish language is used in relations with the User.

§ 12 Entry into force and amendments to the Regulations

The regulations entered into force on 09.05.2018.
The Service Provider reserves the right to amend the Regulations. Amendments to the Regulations shall come into force within 14 days of informing the Users about their introduction, subject to paragraph 3.
An amendment to the Regulations is binding on the User, if the User does not terminate the agreement on provision of Services by electronic means within 14 days from the date of notification of the amendments. An amendment to the Terms of Service may not violate any rights acquired by the User on the basis of the previous wording of the Terms of Service.
Any change to the Terms and Conditions will be communicated to the User by e-mail with the posting of the Terms and Conditions in their current wording on the Website.

Privacy Policy 

This Privacy Policy is an integral part of the Terms and Conditions, available at:
https://iarina028.supserv.cozmoslabs.com/polityka-prywatnosci
The Privacy Policy sets out the rules for the collection, processing, storage and protection of the User's personal data, as well as the function and purpose of the software entered into the information and communication system used by the User.

§ 1 Definitions

As used in the contents of the Privacy Policy, the following terms shall mean:

The owner of euro-insurance.pl - Net Technology sp. z o.o. with its registered office in Warsaw, 8 Olszewska St., registered in the register of entrepreneurs kept by the District Court for the Capital City of Warsaw, XIII Economic Department of the National Court Register under KRS: 0000402491, NIP: 5213623383, Regon: 145897963, amount of the company's share capital: PLN 100,000, fully paid-up capital.
Personal data controller - in accordance with Art. 7 par. 4 of the PDPA the authority, organizational unit, entity or person referred to in Art. 3 of the PDPA who decides on the purposes and means of personal data processing. The administrator of the personal data of the Users of the Website is Polisarium sp. z o.o. with its registered office in Warsaw, 8 Olszewska Street, registered in the register of entrepreneurs kept by the District Court for the Capital City of Warsaw, XIII Economic Department of the National Court Register under the KRS number: 0000565494, NIP: 5213700480, Regon: 361938815, the amount of the company's share capital: PLN 5000, fully paid-up capital, and Insurance Companies.
Service Providers - the owner of the euro-insurance.pl website and the company Polisarium sp. z o.o. with its registered office in Warsaw, Olszewska 8, entered in the Register of Entrepreneurs of the National Court Register kept by the District Court for the Capital City of Warsaw, XIII Economic Department of the National Court Register under the KRS number: 0000565494, NIP: 5213700480, Regon: 361938815, the amount of the company's share capital: PLN 5000, fully paid-up capital. Polisarium sp. z o.o. is an insurance agent entered in the register of insurance intermediaries kept by the supervisory authority - the Polish Financial Supervision Authority with its seat in Warsaw, at Olszewska 8, 00-792 Warsaw.
User - the entity referred to in §1 section 3 of the „Regulations of euro-insurance.pl”.
Service - an Internet portal, which is located at the following Internet address: euro-insurance.pl, which is an Internet platform, constituting a compilation of various types of Internet services referred to in the „Regulations of the service polisarium.pl” .
Partners - entities that cooperate with Service Providers, including advertisers and Insurance Companies.
Uodo - the Act of August 29, 1997 on the protection of personal data (consolidated text Dz.U. of 2002, No. 101, item 926, as amended).
Uśude - the Act of July 18, 2002 on the provision of electronic services (Journal of Laws No. 144, item 1204, as amended).
Uuo - the Act of May 22, 2003 on compulsory insurance, the Insurance Guarantee Fund and the Polish Motor Insurers' Bureau (Journal of Laws No. 124, item 1152, as amended).
KC - the Act of April 23, 1964 Civil Code (Journal of Laws No. 16, item 93, as amended).
Cookies - text files stored by the Internet browser on the hard disk of the User's computer, which contain information enabling identification of the connection and proper operation of the Site. Some Cookies may be stored for a predefined period of time (the User has the option of manually deleting them), and some are deleted immediately after use of the Service.

§ 2 Personal data

Users' personal data shall be processed by the Administrator in accordance with the provisions of the Data Protection Act and Chapter 4 of the AIA, upon the User's consent or upon informing the User of the processing of his/her personal data on a basis other than consent.
The User's consent to the processing of personal data is given in order to enable the Users of the Website to access the offer proposals for insurance services in the field of property and personal insurance, in particular motor insurance, to conclude an insurance contract, as well as for marketing purposes, including advertising, market research and the behavior and preferences of Users with the purpose of using the results of this research to improve the quality of services provided by Service Providers and Partners.
The Administrator shall process on its own behalf only such personal data of the User that have been provided by the User and that are adequate in relation to the purposes for which they will be processed.
The personal data controller may contractually, in accordance with Article 31(1) of the Udo, entrust the processing of Users' personal data to third parties, in particular the Service Provider.
The personal data controller is authorized to share personal data with entities authorized under applicable laws.
Within the scope of the authorization referred to in the preceding paragraphs, the Controller may make the User's data available to the Service Provider for the purpose of concluding an insurance contract.
The Service Provider, in connection with the performance of the activities of an insurance agent, provides the relevant Insurance Companies with the Users' personal data obtained for the purpose of performing these activities.
The personal data administrator, with the User's consent, may transfer the User's personal data to Partners for marketing purposes.
Provision of personal data by the User is voluntary; however, failure to provide such data will prevent the User from using certain features of the Website
In addition, you have the right to access the content of your data and the right to correct it.
You have the right to access your data, to supplement, update, correct, temporarily or permanently suspend its processing or delete it.
To exercise your right under the provision of paragraph 6, you must send a message to the address specified in the provision of § 4 of the Regulations.
The user, by checking the appropriate box, may consent to receive commercial information by e-mail, in accordance with the Law on Provision of Services.
If the User enters into an insurance contract pursuant to the provisions of § 7 of the Regulations, the Service Provider will require the User to provide personal data acting for and on behalf of the Insurance Company as the administrator of such data. The Service Provider shall not be liable for the processing of the Users' personal data by the Insurance Companies, and if the Insurance Companies entrust the Service Provider with the processing of such data pursuant to the provision of Article 31 of the PDPA, the Service Provider shall be liable only for its own failures.

§ 3 Commercial information

With the User's consent, commercial information within the meaning of Article 9 of the AIA will be sent to the e-mail address or telephone number indicated by the User.
The above commercial information may come from Service Providers or from Partners, and it may relate to services provided by Service Providers as well as services and goods offered by Partners.
 
Cookies policy (use of cookies)
 
Last Modification:22.05.2018.
 
In order to provide the best possible service and to customize our site to your needs, we use cookies.
 
Cookies (also known as cookies) are small portions of information in the form of a short string of characters that we store in the memory of your device. Accessing these files allows us to later identify your device and adjust our site settings to it. The stored information does not make configuration changes to your device or software. You can delete them at any time using the appropriate function of your web browser.
 
There are different types of cookies. Our website uses „session” cookies and „persistent” cookies. „Session” cookies are deleted from your computer as soon as you close your browser. „Persistent” cookies, on the other hand, will be stored on your computer even after you close your browser - the maximum period of such storage is separately specified for each cookie.
 
The cookies we use work for the following purposes:
 
enable personalization of the site's appearance and content for each user,
allow the exchange of data between platforms running within our site,
are used in the process of user authentication and prevent abuse in this regard,
remember the user's actions - so that after leaving the site, for example, the user does not have to fill out forms again,
enable personalization of advertising and marketing communications within our website and in our communications to users,
enable us to target our advertising outside of our site, such as to people who have already visited our site and/or may potentially be interested in our services,
allow measuring the effectiveness and accounting for the effects of marketing activities,
collect statistical information about traffic on our site.
 
Based on the above rules and for the purposes mentioned, there are also other mechanisms used by our sites such as LocalStorage, which works on the same basis as permanent cookies, but is able to store more information.
 
Our sites also include scripts from our Third Party Partners, which may also store data on your device. The storage mechanisms and policies used may differ from those provided in our Privacy Policy and Cookie Policy. For more information, please visit the pages of each Partner. These include, among others:
 
Google (e.g., advertising and analytics; Google ad settings)
Facebook (e.g., advertising and analytics)
LiveChat
Optimizely
Expert Sender
PushPushGo
Onet
Tradedoubler
Ceneo
InspectLet
NetSales
Tradetracker
Ve-interactive
 
You can decide whether and which cookies you want to store on your device. You can find details about this on the website of your browser provider. Below are links to instructions for using the most popular browsers:
 
Chrome
Firefox
Edge
Internet Explorer
Opera
 
At the same time, we would like to inform you that disabling or restricting the use of cookies may make it difficult or even impossible to use our website and the services provided on it.
 
We reserve the right to make changes to this Policy at any time.