These Terms of Use govern your access to and use of the website at lohonu-xecame.info and the educational course content made available through it. Please read them carefully before using the site.
A. Acceptance of Terms
By accessing or using this website, you confirm that you have read, understood, and agree to be bound by these Terms of Use and any documents incorporated herein by reference, including our Privacy Policy and Cookie Policy. If you do not agree to these terms, you must not use this website.
These terms constitute a legally binding agreement between you and Lohonu Xecame, Hutnicza 3, Lublin, Poland. Your continued use of the website following any update to these terms constitutes acceptance of the revised version.
B. Nature of the Service
Lohonu Xecame provides an educational short course focused on personal financial habit formation. The content of this website and the associated course is informational and educational in nature. Nothing published on this website constitutes financial advice, investment advice, tax advice, legal advice, or any other form of professional advice regulated under Polish or European Union law.
The course content is designed to help individuals understand general concepts related to personal spending habits and routine formation. It does not take into account your individual financial circumstances. You are solely responsible for any decisions you make based on information obtained from this website or the course. If you require personalised financial guidance, you should consult a qualified professional.
C. Eligibility
This website is intended for use by individuals who are at least 16 years of age. By using this site, you represent that you meet this age requirement. If you are accessing the site on behalf of a legal entity, you represent that you have the authority to bind that entity to these terms.
Access to the website is permitted from any jurisdiction where doing so does not violate local law. It is your responsibility to ensure that your use of this website complies with the laws applicable in your jurisdiction.
D. Permitted Use
You may access and use this website for personal, non-commercial, informational purposes. You may not use this website or its content to:
Reproduce, distribute, modify, adapt, translate, or create derivative works based on any content without prior written consent from Lohonu Xecame. Scrape, crawl, or systematically extract data from the website using automated tools. Attempt to gain unauthorised access to any part of the website, its servers, or related systems. Transmit any material that is harmful, offensive, defamatory, or unlawful. Impersonate Lohonu Xecame, its personnel, or any other person or entity. Use the website in any manner that could impair its performance or interfere with other users' access.
E. Intellectual Property
All content on this website, including but not limited to text, images, graphics, layout, design, code, and course materials, is the intellectual property of Lohonu Xecame or its licensors and is protected by applicable copyright, trademark, and other intellectual property laws, including the Polish Act of 4 February 1994 on Copyright and Related Rights (Ustawa o prawie autorskim i prawach pokrewnych).
No content from this website may be reproduced in any form without prior written permission from Lohonu Xecame, except as permitted by applicable law (such as for personal use or quotation for non-commercial purposes). The Lohonu Xecame name and associated marks may not be used without express written consent.
F. User Submissions
Where you submit information to us, such as through the contact form, you represent that the information is accurate and that you have the right to submit it. You grant Lohonu Xecame a non-exclusive licence to use, store, and process such submissions for the purpose of responding to your enquiry or improving our services, subject to our Privacy Policy.
You must not submit any content that infringes third-party rights, contains malicious code, or is otherwise unlawful. We reserve the right to decline or remove any submission at our discretion.
G. Third-Party Links
This website may contain links to external websites operated by third parties. These links are provided for convenience only. Lohonu Xecame does not endorse, control, or accept responsibility for the content, privacy practices, or terms of any third-party website. Your use of any linked site is subject to the terms and policies of that site.
H. Disclaimer of Warranties
This website and its content are provided "as is" and "as available" without any warranty of any kind, express or implied. To the fullest extent permitted by applicable law, Lohonu Xecame disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
We do not warrant that the website will be uninterrupted, error-free, or free from viruses or other harmful components. We do not warrant the accuracy, completeness, or suitability of any information on the website for any particular purpose.
I. Limitation of Liability
To the maximum extent permitted by Polish law and EU law, Lohonu Xecame shall not be liable for any indirect, incidental, consequential, or punitive damages arising from your use of, or inability to use, this website or its content. This includes, without limitation, loss of data, loss of profit, or loss of business opportunity.
Nothing in these terms excludes or limits liability that cannot lawfully be excluded or limited under applicable law, including liability for fraud, death or personal injury caused by negligence, or any liability under the Polish Civil Code (Kodeks cywilny) that cannot be contractually excluded.
J. Indemnification
You agree to indemnify and hold harmless Lohonu Xecame, its representatives, and affiliates from any claims, losses, damages, costs, and expenses (including reasonable legal fees) arising out of or related to your use of this website in violation of these Terms of Use, your violation of any applicable law, or your infringement of any third-party rights.
K. Governing Law
These Terms of Use are governed by and construed in accordance with the laws of Poland, including the Polish Civil Code, the Act of 18 July 2002 on the Provision of Electronic Services, and applicable European Union law including the GDPR. Any disputes arising from these terms or your use of the website shall be subject to the exclusive jurisdiction of the competent courts in Lublin, Poland, unless mandatory consumer protection law in your country of residence provides otherwise.
L. Amendments
Lohonu Xecame reserves the right to modify these Terms of Use at any time. Changes will be effective upon publication of the updated terms on this page, with a revised "Last Updated" date. Where changes are material, we will make reasonable efforts to notify users. Your continued use of the website after any changes constitutes acceptance of the revised terms.
M. Contact
If you have questions about these Terms of Use, please contact us:
Lohonu Xecame
Hutnicza 3, Lublin, Poland
Email: [email protected]
Phone: +48 535 000 641