Terms of Use

A. Nature of Content

Togiga provides educational and informational content relating to personal financial resilience in the context of unexpected life events such as job loss, illness, and separation or divorce. All content on this website is intended for general informational and educational purposes only.

Nothing on this website constitutes financial advice, legal advice, tax advice, or any other form of professional advisory service. The content is not a substitute for consultation with a qualified financial adviser, lawyer, tax professional, or other licensed specialist. You should seek independent professional advice before making any financial or legal decisions.

Togiga makes no representations that the information on this website is appropriate or applicable to your individual circumstances. The content is designed to provide general educational frameworks and is not tailored to any specific personal situation.

B. Permitted Use

You may access and use the content on togiga.info for personal, non-commercial, educational purposes. This means you may read, view, and engage with the content for your own learning. You may not:

• Copy, reproduce, distribute, or republish any content from this website without prior written consent from Togiga.
• Use any automated tools, crawlers, or scrapers to extract content from this website in bulk.
• Frame or mirror any part of this website on another website or application without permission.
• Use the content for commercial purposes, including reselling, sublicensing, or incorporating it into paid products or services.
• Remove or modify any copyright notices, attributions, or legal notices appearing on the website.

Togiga reserves the right to modify, suspend, or discontinue any part of the website or its content at any time without notice. Access to the website is provided on an as-is basis.

C. Intellectual Property

All content on togiga.info, including but not limited to text, graphics, icons, images, layout, and the selection and arrangement of content, is the intellectual property of Togiga or is used under licence. This content is protected under applicable Polish and European intellectual property law, including the Polish Act on Copyright and Related Rights of 4 February 1994 (Ustawa o prawie autorskim i prawach pokrewnych).

Togiga and related marks are the trade names of the operator of this website. Nothing in these Terms grants you any right to use these names or marks without prior written authorisation.

D. Disclaimer of Warranties

To the maximum extent permitted by applicable law, Togiga provides this website and its content without warranties of any kind. We do not warrant that the website will be uninterrupted, error-free, or free from viruses or harmful components. We do not warrant that the information on the website is accurate, complete, or current as of any particular date.

Financial information and legislation change. Educational content that was accurate at the time of writing may become outdated. You are responsible for verifying the currency and applicability of any information before relying on it.

E. Limitation of Liability

To the extent permitted by Polish law and EU consumer protection regulations, Togiga shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of this website or its content, including but not limited to financial losses, loss of data, or decisions made in reliance on information found here.

This limitation does not apply where such limitation is prohibited by mandatory provisions of Polish consumer protection law, including the Consumer Rights Act of 30 May 2014 (Ustawa o prawach konsumenta). Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, or for fraud or fraudulent misrepresentation.

F. External Links

This website may contain links to third-party websites for informational purposes. Togiga does not control the content of external websites and is not responsible for their content, privacy practices, or terms of use. The inclusion of any link does not imply endorsement of the linked website or its operator. You access external links at your own risk.

G. Contact and Dispute Resolution

For any questions relating to these Terms, please contact us at [email protected] or by post at Lipowa 31/33, Białystok, Poland.

These Terms are governed by the law of the Republic of Poland. Any disputes arising in connection with the use of this website shall be subject to the jurisdiction of the competent Polish courts, without prejudice to your rights as a consumer under applicable EU law. If you are a consumer resident in another EU member state, you may also benefit from the mandatory consumer protection provisions of your country of residence.

The European Commission's online dispute resolution platform is available at ec.europa.eu/consumers/odr.

H. Modifications to These Terms

Togiga reserves the right to update these Terms of Use at any time. Material changes will be reflected in the updated date at the top of this page. Your continued use of the website following any update constitutes acceptance of the revised Terms. We encourage you to review these Terms periodically.