Terms of Service for the provision of electronic services

1. General provisions and details of the Service Provider

The Service Provider is LIC COMPANY Sp. z o.o. (operating under the FAEO brand), with its registered office in Kielce at ul. Klonowa 105/81, 25-553 Kielce, entered in the register of entrepreneurs of the National Court Register kept by the District Court in Kielce (Sąd Rejonowy w Kielcach), 10th Commercial Division of the National Court Register, under number KRS 0001207472, NIP 9592088245, REGON 543333184, hereinafter the "Service Provider".

The Service Provider can be contacted by email at: kontakt@faeo.pl and by post at the address of the Service Provider's registered office.

The Terms define the types and scope of services provided electronically, the conditions for their provision, including technical requirements, the conditions for concluding and terminating agreements for the provision of electronic services, the prohibition on providing unlawful content and the complaint procedure.

Every Service Recipient is obliged to read the Terms before starting to use the services. Starting to use the services constitutes acceptance of the Terms.

2. Definitions

For the purposes of the Terms, the following terms have the meanings set out below:

• Service Provider — LIC COMPANY Sp. z o.o. (FAEO brand), indicated in point 1.
• Service Recipient — a natural person, legal person or organisational unit without legal personality that uses the services provided electronically by the Service Provider.
• Consumer — a Service Recipient who is a natural person performing a legal transaction with the Service Provider not directly related to their business or professional activity.
• Website — the Service Provider's website available at faeo.pl together with its subpages.
• Form — the contact form, the free audit form and the interactive form (quiz) examining the Service Recipient's needs, made available on the Website and intended to establish contact with the Service Provider.
• Newsletter — a service consisting of the cyclical sending of commercial information and the Service Provider's materials to the email address provided.
• Terms — these Terms of Service for the provision of electronic services.

3. Types and scope of services

The Service Provider provides the following services electronically:

• making informational content available — free provision to the Service Recipient of content published on the Website (including descriptions of the offer, articles and educational materials), without the need for registration;
• Contact form, Free audit form and interactive quiz — enabling the Service Recipient to submit an enquiry or request and to establish contact with the Service Provider;
• Newsletter — sending commercial information electronically to the email address provided by the Service Recipient, on the basis of the consent granted.

4. Technical conditions for using the services

The proper use of the services requires the following technical requirements to be met:

• a device with access to the Internet;
• an up-to-date version of a web browser (e.g. Chrome, Firefox, Safari, Edge) with JavaScript and cookies enabled;
• for services requiring email communication (Form, Newsletter) — an active and properly configured email account.

5. Particular risks associated with the use of the services

The Service Provider informs that using the services provided electronically may involve particular risks typical of the use of the Internet, in particular the risk of malicious software, attempts to intercept data by unauthorised persons (phishing) or unauthorised access to the Service Recipient's device.

In order to minimise these risks, the Service Recipient should use up-to-date antivirus software and a firewall, and use only trusted internet connections. On its side, the Service Provider applies technical and organisational measures to ensure the security of the transmitted data, including connection encryption (HTTPS protocol).

6. Conditions for concluding and terminating agreements

The agreement for the provision of the informational content service is concluded upon starting to use the Website (displaying its content) and is terminated when the Service Recipient leaves the Website. This service is one-off and free of charge.

The agreement for the provision of the Form service is concluded upon starting to fill in the Form, and its performance occurs upon the correct submission of the Form to the Service Provider. The service is one-off and ends upon its performance or upon interruption of the completion of the Form.

The agreement for the provision of the Newsletter service is concluded for an indefinite period upon the Service Recipient providing an email address and consenting to receive commercial information electronically.

The Service Recipient may at any time and without giving any reason terminate the agreement for the provision of the Newsletter service by using the unsubscribe link included in every message or by sending a request to kontakt@faeo.pl. Termination of the agreement takes immediate effect.

A Consumer, and a natural person concluding an agreement directly related to their business activity where it is not of a professional nature for that person, has the right to withdraw from the agreement within 14 days of its conclusion; due to the free nature of the Newsletter service, the unsubscription available at any time produces an effect identical to withdrawal. The use of all services provided electronically is voluntary and free of charge.

7. Prohibition of providing unlawful content

The Service Recipient is prohibited from providing content of an unlawful nature, in particular content infringing personal rights or the rights of third parties, content inciting hatred, content of an offensive or vulgar nature, as well as content infringing generally applicable laws.

The Service Recipient is obliged to use the services in a manner consistent with the law, the Terms and good practice, with respect for the rights and goods of the Service Provider and third parties, and to provide true and non-misleading data in the Forms.

8. Intellectual property rights

All content made available on the Website, including texts, graphics, logos, trademarks, the layout and composition of the site and the software, is subject to the exclusive rights of the Service Provider or entities with which the Service Provider has concluded relevant agreements, and is protected by law, in particular under the Act on Copyright and Related Rights.

Using the Website's content does not mean that the Service Recipient acquires any rights to that content. Copying, distributing, modifying or using it for commercial purposes without the prior written consent of the Service Provider is prohibited, except for use within the scope of permitted personal use.

9. Liability

The Service Provider exercises due diligence to provide the services at the highest level; however, it does not guarantee uninterrupted and error-free availability of the Website. The Service Provider reserves the right to temporary interruptions in the operation of the Website, in particular for the purpose of carrying out maintenance or modernisation work.

The Service Provider is not liable for damage resulting from the use of the services in a manner inconsistent with the Terms or the law, the provision of false data by the Service Recipient, or for disruptions to the operation of the Website resulting from causes beyond the Service Provider's control, including force majeure or the malfunctioning of the Service Recipient's network or devices.

The informational content published on the Website is general and illustrative in nature and does not constitute an offer within the meaning of the Civil Code or binding advice. The above limitations of liability do not exclude or limit the Service Provider's liability towards Consumers to the extent that it arises from mandatory provisions of law.

10. Complaints

Complaints regarding services provided electronically may be submitted by the Service Recipient by email to: kontakt@faeo.pl or in writing to the address of the Service Provider's registered office. A complaint should include details of the Service Recipient enabling contact, a description of the service and a description of the objections.

The Service Provider reviews a complaint without undue delay, no later than within 14 days of its receipt, and informs the Service Recipient of how it has been resolved at the address from which the complaint was submitted.

If a Service Recipient who is a Consumer has submitted a complaint and the Service Provider has not responded to it within 14 days, the complaint is deemed to have been recognised by the Service Provider as justified.

11. Out-of-court dispute resolution

A Service Recipient who is a Consumer has the option of using out-of-court methods of handling complaints and pursuing claims, including through the competent regional inspector of the Trade Inspection and permanent amicable consumer courts. Information about these procedures is available on the website of the Office of Competition and Consumer Protection (uokik.gov.pl).

The use of out-of-court methods of dispute resolution is voluntary.

12. Personal data

The controller of the Service Recipients' personal data is the Service Provider. The rules for processing personal data, including the purposes, legal bases, retention period and the rights of the data subjects, are described in detail in the Privacy Policy available on the Website at faeo.pl.

13. Final provisions

Matters not regulated by the Terms are governed by Polish law, in particular the Act on the provision of electronic services, the Civil Code and — in relation to Consumers — the provisions on consumer protection. The provisions of the Terms do not exclude or limit the Consumer's rights arising from mandatory provisions of law; in the event of a conflict, those provisions prevail.

The Service Provider may amend the Terms only for important reasons, such as: a change in generally applicable laws, a change in the scope or manner of providing the services, security considerations, the prevention of abuse, or a change in the Service Provider's details. The Service Provider will inform of any change by publishing the updated content on the Website and — for Service Recipients using services of a continuous nature (in particular the Newsletter) — also by email, at least 14 days before the change enters into force. A user who does not accept the change may terminate the agreement for the provision of a continuous service free of charge, in particular by unsubscribing from the Newsletter. An amendment to the Terms does not infringe the acquired rights of the Service Recipient.

Disputes arising from the Terms are resolved by the court having jurisdiction in accordance with generally applicable laws; in the case of a Service Recipient who is not a Consumer, the competent court is the court having jurisdiction over the Service Provider's registered office.

The Terms are available free of charge on the Website in a form enabling them to be obtained, reproduced, stored and printed. The Terms enter into force on 24.06.2026.