Terms and conditions and privacy policy

Terms and Conditions

The visainsurance.pl website is an online platform created to enable Website Users to access insurance service offers in the field of property and personal insurance, operating on the basis of these Terms and Conditions and in accordance with generally applicable laws. Polisarium sp. z o.o., through the Website owned by Net Technology sp. z o.o., provides Users with free access to the Website's resources relating to the insurance market.

 § 1. Definitions

The terms used in the Regulations have the following meanings:

Polisarium LLC or Service Provider – Polisarium sp. z o.o. with its registered office in Warsaw, ul. Olszewska 8, 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 (Tax Identification Number): 5213700480, Regon (National Business Registry Number): 361938815, share capital: PLN 5,000, paid in full. 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 registered office in Warsaw, at Plac Powstańców Warszawy 1, 00-950.
Net Technology LLC. – the entity responsible for managing the Website and maintaining its efficient operation, i.e. Net Technology sp. z o.o. with its registered office in Warsaw, ul. Olszewska 8, entered in the Register of Entrepreneurs kept by the District Court for the Capital City of Warsaw, 13th Commercial Division of the National Court Register under KRS number: 0000402491, NIP (Tax Identification Number): 5213623383, Regon (National Business Registry Number): 145897963, share capital: PLN 100,000, paid in full.
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 through the Call Center.
Website – an internet portal located at the following web address: https://visainsurance.pl.
The Website is an online platform that provides a range of online services, enabling Users to access the Website's resources relating to the insurance market, as well as providing other electronic services to Users, including the conclusion of insurance contracts.
Call Center – telephone service operated by the Administrator or Service Provider or Insurance Companies.
Call Center Consultant – an employee of the Administrator, Service Provider, or Insurance Company operating the Call Center.
Transaction parties – pages of the Website containing forms enabling the conclusion of insurance contracts at a distance and the making of ongoing payments using payment cards and the immediate execution of electronic transfers.
Agency activities – activities performed by employees of Polisarium sp. z o.o. on behalf of the insurance company, consisting in bringing about the conclusion of an insurance contract by the User with the insurance company of their choice, in particular consisting in performing preparatory activities for the conclusion of an insurance contract and participating in the management and performance of insurance contracts, within the scope and on the terms specified in the Insurance Mediation Act.
Services – enabling the User to compare insurance offers using the Website and Agency Activities referred to in point 8 above, in the scope of concluding insurance contracts via the Website or Call Center and making insurance premium payments using payment cards or bank transfers.
Insurance company – an entity conducting business activities consisting in the provision of insurance services in accordance with applicable law, on behalf of which, on the basis of a power of attorney, the Service Provider performs agency activities; information about the insurance companies for which the Service Provider performs agency activities is available 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 – A user who concludes an insurance contract using the Website's transaction pages.
Insured – a natural person, legal person, or organizational unit without legal personality on whose behalf an insurance contract is concluded.
Policy – a document confirming the conclusion of an insurance contract.
Insurance contract – an insurance contract concluded between the Policyholder and an insurance company of their choice, covering compulsory or voluntary motor insurance.
Uodo – Act of August 29, 1997 on the protection of personal data (consolidated text Journal of Laws 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).
General Terms and Conditions – general terms and conditions of insurance, on the basis of which the Insurance Agreement for voluntary insurance is concluded; the GTC are made available free of charge via the Transaction Websites in a form that allows them to be downloaded, saved, reproduced, and printed.
Privacy Policy – a document constituting an integral part of the Terms and Conditions, specifying 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 ICT system used by the User, and the risks associated with the use of the Service.

§ 2. Preliminary provisions

The regulations have been drawn up and operate on the basis of the applicable provisions of Polish law.
The subject of the regulations are the terms and conditions of use of the visainsurance.pl website, located at the internet address https://visainsurance.pl.
The Terms and Conditions define the rights and obligations of Website Users, as well as the rights, obligations, and scope of responsibility of the Service Provider as the entity providing Services through the Website.
The Terms and Conditions define the type, scope, and conditions of providing Services via the Website used on the basis of relevant agreements by the Service Provider and via the Call Center.
Each User is required to read the Terms and Conditions before using the Services available through the Website. By using the Website, the User accepts all provisions of the Terms and Conditions and undertakes to comply with them, thereby entering into an agreement with the Service Provider for the provision of electronic services.
In order to use the Services, each User consents to the processing of their personal data to the extent and on the terms specified in the Privacy Policy or to the extent and on the terms specified in Article 23 of the Personal Data Protection Act.
In connection with its activities as an insurance agent, the Service Provider is obliged to apply the „Principles of Good Insurance Practice” adopted by the Polish Chamber of Insurance, the content of which is available on the website of the Polish Chamber of Insurance at: https://piu.org.pl/zasady-dobrych-praktyk/project/132/pagination/1.
In matters not covered by these Terms and Conditions for the provision of electronic services, and in particular for the submission of declarations of will in electronic form, the provisions of the Civil Code (Journal of Laws of 1964, No. 16, item 93, as amended) shall apply. the Act of July 18, 2002, on the provision of electronic services (Journal of Laws of 2002, No. 144, item 1204, as amended), the Act of August 29, 1997 on the protection of personal data (Journal of Laws of 2002, No. 101, item 926, as amended), Act of May 22, 2003 on insurance activities (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 legal acts.

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

These Terms and Conditions, including the Privacy Policy, form an integral part of the agreement for the provision of electronic services concluded between Polisarium sp. z o.o. and the User. The commencement of use of the Services provided on the Website available at www.visainsurance.pl must be preceded by full acceptance of the provisions of these Terms and Conditions, including the Privacy Policy, which entails the conclusion of an agreement for the provision of these Services by electronic means without the need to draw up a separate agreement. The agreement for the provision of electronic services is concluded for the duration of the User's use of the Website's resources.
Subject to paragraph 3 below, the agreement for the provision of Services by electronic means shall be automatically terminated without the need to submit additional statements upon the User leaving the Website pages where the Service is made available or upon the User ending the conversation with the Call Center Consultant.
If the User has submitted an application for the conclusion of an Insurance Agreement and then concluded an Insurance Agreement via the Website , the agreement for the provision of the Service shall be terminated at the latest upon termination of the Insurance Agreement, which occurs in the cases and on the terms specified in the General Terms and Conditions of the selected Insurance Company in the case of voluntary insurance, and in the Act on Compulsory Insurance in the case of compulsory insurance referred to in this Act, including 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 withdrawing from the contract expires 14 days after the date of conclusion of the contract.
To exercise the right to withdraw from the contract, the User must inform the Service Provider of their decision to withdraw from the contract by means of an unequivocal statement sent in writing to the address: ul. Olszewska 8, 01-360 Warsaw, Poland, or by email to pomoc@polisarium.pl.
The user may use the model withdrawal form attached as Appendix 1 to the Terms and Conditions, but this is not mandatory.
To meet the deadline for withdrawal from the contract, it is sufficient for the User to send information regarding the exercise of their right to withdraw from the contract before the deadline for withdrawal from the contract expires.

§ 4. Communication between the Service Provider and the User

Communication between the Service Provider and the User regarding the Services provided shall take place:

by placing messages addressed by the Service Provider to Users on the website www.visainsurance.pl;
by telephone – for Users using the Services via the Call Center;
by email, using the email address provided by the User and the following email 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:
 
by sending a letter to the mailing address of Net Technology sp. z o.o.: ul. Olszewska 8, 00-792 Warsaw,
by sending an email to:
pomoc@polisarium.pl
or via a dedicated contact form,
by calling the following telephone number: 22 299 11 11,
expressing this wish by checking the request for contact from the Call Center
in person at the Service Provider's headquarters, at the address indicated in point a.
 
If the User uses the form of contact indicated in section 2, the Service Provider may respond, depending on the circumstances:
 
by sending a reply to the sender's address,
by phone via the Call Center,
in person through their representative,
via email to the email address provided by the User.

§ 5. General rules for the provision of Services by electronic means

Electronic services using the Website are provided around the clock, i.e., 24 hours a day, 7 days a week, while the Call Center operates during the business hours of the Insurance Companies or the Service Provider.
For using the Website to compare insurance offers, as well as for the presentation of insurance offers by a Call Center Consultant, the User shall not incur any costs other than the call charge.
If the Insurance Agreement is concluded via the Website or Call Center, the User shall bear the cost of the policy in accordance with the insurance offer accepted by them.
The proper functioning of the Website and Call Center may be interrupted for technical reasons, in particular due to the need to repair or maintain the Website or Call Center systems, as well as due to the need to create backup copies or process collected data. Users will be notified of any interruptions by means of an appropriate message displayed on the Website.
The Service Provider does not guarantee the proper functioning of the Website if the User uses hardware and software that does not meet the technical requirements specified in the Terms and Conditions. The provision of the service may also be interrupted in the event of poor connection quality, damage or defects in telecommunications equipment, power supply systems, computer equipment, telecommunications network failures or power outages, interruption of the connection during a transaction, or any action by third parties during a transaction.
The Service Provider has the right to block access to the Website in the event of irregularities in the use of the Website, in particular in the event of circumstances that could expose the User, the Service Provider, or the Insurance Company to damage. The Service Provider shall not be liable for the temporary suspension of access to the Website for the period necessary to remove the threats or irregularities that have occurred.
Any actions that may hinder or destabilize the operation of the Website are unacceptable. If Polisarium sp. z o.o. suspects that such actions have been committed by a User, it has the right to take appropriate measures, including removing the effects of such actions. Actions by the User aimed at destabilizing the Website constitute an act prohibited by applicable law. In such a situation, the Administrator is entitled to take appropriate measures, including those aimed at repairing the damage suffered by him.
It is also prohibited for the User to provide the Website or Call Center with illegal or offensive content, as well as to take actions contrary to the Terms and Conditions or which may cause disruption or damage to the Website. The Service Provider shall not be liable for the User's use of the Website or Call Center services in a manner contrary to the provisions of the Terms and Conditions.
The User is obliged to refrain from any actions that would violate the privacy of other Users, primarily those involving the collection, processing, and dissemination of information about other Users without a legitimate reason for data processing.
The User is obliged to refrain from any actions that could hinder or disrupt the functioning of the Website 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 standards accepted in society.
Before using the Services available through the Website, the User agrees to the processing of their personal data in accordance with the Privacy Policy.

§ 6. Intellectual property rights

The Service Provider declares that the Website contains documents protected by copyright, trademarks, and other intangible assets subject to intellectual property rights protection. The selection and arrangement of content presented on the Website constitutes an independent subject of copyright protection.
When using the Website, the User is obliged to comply with the provisions regarding copyrights and rights arising from the registration of industrial designs, as well as protective rights to trademarks, utility models, and patent rights to inventions of the Service Provider, Administrator, and other entities.
The copyright to the 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 personal use. For the avoidance of 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 Website or Call Center, it is possible to conclude an Insurance Agreement between the user and the insurance company represented by the Service Provider as an insurance agent.
The User indicates the Policyholder and the Insured(s) via the Transaction Pages and selects the type of insurance, its scope, and the sum or sums insured. In the case of Call Center services, the User makes the statements referred to in the preceding sentence to the Call Center Consultant.
The condition for concluding the Insurance Agreement is the correct indication by the User of the personal data of the Policyholder and the Insured(s) and, if applicable, of the persons entitled to receive insurance benefits in the event of the death of the Insured(s) (hereinafter referred to as the „Beneficiaries”), as well as acceptance of the General Terms and Conditions of Insurance and then the amount of the insurance premium.
Before providing the data of other persons in accordance with section 2 above, the User should obtain their consent to transfer the data to the Administrator, Service Provider, and Insurance Company, and bears full responsibility for the consequences of failing to comply with this obligation. The Administrator and the Service Provider shall not be liable to third parties for the fact that their data has been posted on the Website without their knowledge and consent.
The conclusion of the Insurance Agreement is preceded by the calculation of the insurance premium using the Transaction Pages and the presentation of a summary of the offer to the User, including in particular an indication of the subject matter of the agreement 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 in the form, requesting contact from the Call Center. If this option is used, the User agrees to the transfer of their data, including the data entered on the Website, to the Call Center on the terms specified in more detail in the Privacy Policy.
The Insurance Agreement is concluded when the User selects the „Buy policy” option on the Website's transaction page, which includes a summary of the offer and the declarations of intent required to conclude the insurance agreement. In the case of Call Center services, the User's declaration of accession to the Insurance Agreement may be made by telephone to a Call Center Consultant.
The payment date for the insurance premium is specified in the insurance contract or by the insurance company in accordance with the rules set out in the Civil Code.
Within the time limit specified in the regulations, after concluding the Insurance Agreement, the User receives a Policy to the e-mail address provided by them, confirming the conclusion of the Insurance Agreement.
The policyholder, being a consumer, may withdraw from the Insurance Agreement without giving reasons by submitting a written statement to the relevant insurance company within 30 days from the date of conclusion of the agreement or from the date of receipt of the information referred to in Article 39(1) of the Act of May 30, 2014 on consumer rights (Journal of Laws of 2014, item 827), if this date is later. The deadline shall be deemed to have been met if the statement is sent before its expiry.
The policyholder shall not bear any costs related to withdrawal, except for the costs referred to in paragraph 12.
In the event that the provision of services has commenced with the consent of the Policyholder, who is a consumer, before the expiry of the deadlines referred to in sections 10 and 11, the Service Provider or Insurance Company may demand payment of the premium for the period of insurance coverage provided.
In these Terms and Conditions of the Insurance Agreement, the provisions of the General Terms and Conditions of Insurance, on the basis of which the Insurance Agreement is concluded, shall apply.
In connection with the conclusion of the Insurance Agreement, the User has the right to lodge a complaint in accordance with the provisions of §10 of these Terms and Conditions.

§ 8. Technical conditions for the provision of services

In order to properly use the services provided electronically via the Website, the User should have computer hardware and software that meets the following minimum requirements:
 
Edge browser version 41 or higher, Firefox version 37.0 or higher, Chrome version 42.0 or higher,
Cookies and JavaScript enabled
minimum monitor resolution 1024×768.
For Call Center services, it is necessary to have an ICT system that enables telephone calls with tone dialing.
 
Data sent using electronic forms within the Website is protected by the Secure Socket Layer (SSL) protocol, encrypted with a 256-bit key based on the TLS 1.2 encryption method.
Cookies are placed on the information technology system used by the User after obtaining their consent. 

§ 9. Rules of liability

The Service Provider shall not be liable for any inaccurate, incomplete, or incorrect data provided by the User on the Website at www.visainsurance.pl, as it is not possible to verify such data. The User shall bear the consequences of completing the calculation form and policy data with incorrect data.
The Service Provider shall not be liable for any incorrect completion of the Website forms by the User, and in particular shall not be liable to third parties whose data has been included in the Website form without their knowledge and consent.
It is prohibited for the User to provide content that is unlawful, offensive, false, or misleading, content that contains viruses, or content that may cause disruption or damage to computer systems. If the Service Provider receives reliable information about the illegal nature of the data stored and provided by the User, the Service Provider may prevent access to this data. Neither the Service Provider nor the Administrator shall be liable to the User for any damage resulting from preventing access to illegal data. If reliable information about the unlawful nature of the data is obtained, the Service Provider shall 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 providing the content and data referred to above, the Service Provider shall be entitled to claim compensation on general terms.

§ 10. Complaint procedure

The Website User has the right to lodge complaints regarding the Services offered. All complaints regarding the use of the Website and Call Center should be submitted electronically to the following address:
pomoc@polisarium.pl
or by calling the Call Center.
The complaint should include at least: the User's identification (including first name, last name, email address, mailing address, and in the case of legal persons and organizational units without legal personality, the name, mailing address, and details of the person authorized to handle matters related to the complaint) and a concise presentation of the basis for the complaint.
The Service Provider shall consider the complaint within 30 days of its receipt. If the complaint cannot be considered within this period, the Service Provider shall notify the complainant of the reasons for the delay and the expected date of consideration of the complaint.
The response to the complaint is sent to the e-mail or postal address provided by the User, if requested when submitting the complaint.

§ 11. Final provisions

The applicable law for the Terms and Conditions and for agreements for the provision of electronic services concluded on the basis thereof is Polish law.
The court of general jurisdiction shall be competent to hear disputes arising in connection with the application of the Terms and Conditions or resulting from the provision of electronic services on the basis thereof.
Polish is used in communications with the User.

§ 12. Entry into force and amendments to the Regulations

The regulations came into force on May 9, 2018.
The Service Provider reserves the right to amend the Terms and Conditions. Amendments to the Terms and Conditions shall enter into force within 14 days of informing Users of their introduction, subject to paragraph 3.
The amendment to the Terms and Conditions shall be binding on the User if, within 14 days of being notified of the changes, the User does not terminate the contract for the provision of Services by electronic means. The amendment to the Terms and Conditions shall not infringe any rights acquired by the User under the previous version of the Terms and Conditions.
The User will be notified of any changes to the Terms and Conditions by email, informing them that the current version of the Terms and Conditions has been posted on the Website.

Privacy Policy 

This Privacy Policy forms an integral part of the Terms and Conditions, available at:
https://visainsurance.pl/regulamin-i-polityka-prywatnosci
The Privacy Policy defines the rules for collecting, processing, storing, and protecting the User's personal data, as well as the function and purpose of the software introduced into the ICT system used by the User.

§ 1. Definitions

The following terms used in the Privacy Policy mean:

The owner of the visainsurance.pl website – Net Technology sp. z o.o. with its registered office in Warsaw, ul. Olszewska 8, entered in the Register of Entrepreneurs kept by the District Court for the Capital City of Warsaw, 13th Commercial Division of the National Court Register under KRS number: 0000402491, NIP (Tax Identification Number): 5213623383, Regon (National Business Registry Number): 145897963, share capital: PLN 100,000, paid in full.
Personal data controller – pursuant to Article 7(4) of the Personal Data Protection Act, an authority, organizational unit, entity, or person referred to in Article 3 of the Personal Data Protection Act, which determines the purposes and means of personal data processing. The administrator of the personal data of Website Users is Polisarium sp. z o.o. with its registered office in Warsaw, ul. Olszewska 8, entered in the Register of Entrepreneurs kept by the District Court for the Capital City of Warsaw, 13th Commercial Division of the National Court Register under KRS number: 0000565494, NIP (Tax Identification Number): 5213700480, Regon (National Business Registry Number): 361938815, share capital: PLN 5,000, paid in full, and insurance companies.
Service providers – Owner of the visainsurance.pl website and 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, 13th Commercial Division of the National Court Register, under KRS number: 0000565494, NIP (Tax Identification Number): 5213700480, Regon (National Business Registry Number): 361938815, share capital: PLN 5,000, paid in full. 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 registered office in Warsaw, at Olszewska 8, 00-792 Warsaw.
User – the entity referred to in §1(3) of the „Terms and Conditions of the visainsurance.pl website.”.
Website – an internet portal located at the following internet address: www.visainsurance.pl, which is an internet platform providing a range of internet services referred to in the „Terms and Conditions of polisarium.pl.” .
Partners – entities cooperating with Service Providers, including advertisers and insurance companies.
Uodo – Act of August 29, 1997 on the protection of personal data (consolidated text Journal of Laws 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).
Cookies – text files stored by the web browser on the User's hard drive, which contain information enabling the identification of the connection and the proper functioning of the Website. Some cookies may be stored for a predefined period of time (the User has the option to delete them manually), and some are deleted immediately after the end of use of the Website.

§ 2. Personal data

Users' personal data is processed by the Administrator in accordance with the provisions of the Data Protection Act and Chapter 4 of the Uśude, after the User has given their consent or after the User has been informed about the processing of their personal data on a basis other than consent.
The User's consent to the processing of personal data is given in order to enable Website Users to access insurance service offers in the field of property and personal insurance, in particular motor insurance, to conclude insurance contracts, as well as for marketing purposes, including advertising, market research, and research into User behavior and preferences, with the results of such research being used to improve the quality of services provided by Service Providers and Partners.
The Administrator processes on its own behalf only such personal data of the User that has been provided by the User and that is adequate in relation to the purposes for which it will be processed.
The personal data administrator may, on the basis of a contract, 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 administrator is authorized to disclose personal data to entities authorized under applicable law.
Within the scope of the authorization referred to in the preceding paragraphs, the Personal Data Administrator may disclose the User's data to the Service Provider for the purpose of concluding an insurance contract.
In connection with the performance of its duties as an insurance agent, the Service Provider transfers Users' personal data obtained for the purpose of performing these activities to the relevant insurance companies.
The personal data administrator may, with the User's consent, transfer the User's personal data to Partners for marketing purposes.
Providing personal data by the User is voluntary, however, failure to provide such data will prevent the User from using certain features of the Website.
The user also has the right to access their data and the right to correct it.
The user has the right to access their data, supplement it, update it, correct it, temporarily or permanently suspend its processing, or delete it.
To exercise the rights arising from the provisions of paragraph 6, send a message to the address provided in § 4 of the Terms and Conditions.
By checking the appropriate box, the user may consent to receiving commercial information by electronic means, in accordance with the Act on the Provision of Services.
If the User concludes an insurance contract pursuant to § 7 of the Terms and Conditions, the Service Provider will require the User to provide personal data, acting on behalf of and for the benefit of the Insurance Company as the administrator of such data. The Service Provider shall not be liable for the processing of Users' personal data by Insurance Companies, and if Insurance Companies entrust it with the processing of such data pursuant to Article 31 of the Personal Data Protection Act, it 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 Uśude will be sent to the e-mail address or telephone number provided by the User.
The above commercial information may come from Service Providers or Partners and may relate to both services provided by Service Providers and services and goods offered by Partners.
 
Cookie Policy (use of cookies)
 
Last modified: May 22, 2018.
 
We use cookies to ensure the highest quality of service and to tailor our website to your needs.
 
Cookies are small pieces of information in the form of a short string of characters that we store in your device's memory. Access to these files allows us to later identify your device and adjust our website settings to it. The stored information does not make any configuration changes to your device or software. You can delete them at any time using the appropriate function in your web browser.
 
There are different types of cookies. Our website uses „session” and „persistent” cookies. Session cookies are deleted from your computer as soon as you close your web browser. Persistent cookies, on the other hand, will remain on your computer even after you close your browser—the maximum storage period is specified separately for each cookie.
 
The cookies we use serve the following purposes:
 
allow you to personalize the appearance and content of the website for each user,
allow data exchange between platforms operating within our website,
are used in the user authentication process and prevent abuse in this area,
remember user actions – thanks to this, after leaving the website, the user does not have to, for example, fill out forms again,
enable the personalization of advertisements and marketing communications on our website and in our communications to users,
enable us to target our advertisements outside our website, e.g., to people who have already visited our website and/or may be potentially interested in our services,
enable the measurement of effectiveness and accounting for the results of marketing activities,
collect statistical information about traffic on our website.
 
Based on the above rules and for the purposes mentioned, other mechanisms used by our websites also operate, such as localStorage, which works in a similar way to persistent cookies, but is able to store more information.
 
Our websites also contain scripts from our external Partners, which may also store data on your device. The mechanisms and storage rules used may differ from those provided for in our Privacy Policy and Cookie Policy. For more information, please visit the websites of the individual Partners. 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. Details on this can be found 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 limiting the use of cookies may hinder or even prevent you from using our website and the services provided on it.
 
We reserve the right to make changes to this Policy at any time.