These Terms of Use govern your access to and use of the website xikowu-vuyotu.info and the educational programs and materials available through it. By accessing this website or enrolling in any program, you agree to be bound by these terms. If you do not agree, you should not use this website or its services. Xikowu Vuyotu is based at Wronia 31, Warszawa, Poland.
A. Nature of the content
Everything published on this website is educational in nature. The content — including lessons, videos, workbooks, reflection prompts, and habit tracking tools — is intended to provide general information and frameworks for thinking about everyday spending habits. It does not constitute financial advice, investment advice, legal advice, or any form of professional advisory service. Nothing on this site should be relied upon as a basis for specific financial decisions. If you require personalized financial guidance, you should consult a qualified financial advisor licensed to operate in your jurisdiction.
The educational programs are designed to support self-directed learning and personal reflection. Outcomes vary depending on how individuals engage with the content, their circumstances, and many other factors entirely outside our control. We make no representations about what any individual user will experience as a result of engaging with our programs.
B. Access and accounts
Access to certain parts of this website, including enrolled programs, may require you to create an account. You are responsible for keeping your login credentials secure and for all activity that occurs under your account. If you believe your account has been compromised, you should contact us immediately at [email protected]. We reserve the right to suspend or terminate accounts that are used in violation of these terms.
Program access is granted for personal, non-commercial use only. You may not share access credentials with others, distribute program materials, or reproduce any part of the content for commercial purposes without our prior written permission.
C. Intellectual property
All content on this website, including text, video, graphics, workbooks, and the design of the site itself, is owned by Xikowu Vuyotu or its content licensors and is protected by applicable intellectual property laws, including Polish copyright law (Ustawa z dnia 4 lutego 1994 r. o prawie autorskim i prawach pokrewnych). You may access and use the content for your own personal learning purposes. You may not copy, reproduce, republish, upload, post, transmit, or distribute any content from this site without our express prior permission, except where permitted by applicable law.
D. User conduct
When using this website, you agree not to engage in conduct that is unlawful, harmful, or disruptive. This includes attempting to gain unauthorized access to any part of the website or its systems, uploading or transmitting malicious code, using the site in any way that could damage its reputation or operation, or attempting to extract or scrape content systematically. We reserve the right to restrict access to the website for users who violate these terms.
E. Third-party links and tools
This website may contain links to external websites or reference third-party tools and services. These links are provided for informational purposes only. We do not endorse, control, or take responsibility for the content, privacy practices, or terms of any third-party website. Your use of any linked third-party site is at your own risk and governed by that site's own terms.
F. Limitation of liability
To the extent permitted by applicable Polish law, Xikowu Vuyotu shall not be liable for any indirect, incidental, consequential, or punitive damages arising out of your use of, or inability to use, this website or its content. This includes but is not limited to any financial decisions made based on content encountered on this site. Our liability for direct damages shall not exceed the amount paid by you for the program or service giving rise to the claim. Nothing in these terms limits liability that cannot be excluded under mandatory provisions of Polish consumer protection law, including the Ustawa z dnia 30 maja 2014 r. o prawach konsumenta (Consumer Rights Act).
G. Governing law and disputes
These Terms of Use are governed by Polish law. Any disputes arising from or in connection with these terms shall be subject to the jurisdiction of the competent Polish courts, without prejudice to the rights of consumers to bring proceedings before courts in their country of habitual residence within the European Union. Consumers in Poland may also seek assistance from the Consumer Ombudsman (Rzecznik Praw Konsumenta) or submit disputes to the Online Dispute Resolution platform maintained by the European Commission.
H. Changes to these terms
We may revise these Terms of Use from time to time. Material changes will be indicated by an updated "Last updated" date. Your continued use of the website following publication of revised terms constitutes your acceptance of those changes. If you do not agree to revised terms, you should discontinue your use of the website and contact us regarding any program access you have purchased.
Questions about these terms can be directed to [email protected].