Regulations for the provision of electronic services

Valid from 19.12.2021.

Good morning!

FINpl is a website and mobile app that allows you to compare offers from dozens of banks and thousands of financial experts across the country.

The administrator of the service and mobile application providing services electronically is FIN-HUB Spółka z ograniczoną odpowiedzialnością, ul. Długa 5 lok. 90, 20-346 Lublin, NIP: 5252796739, REGON: 38396986200000, KRS: 0000796588, registration court: District Court Lublin-East in Lublin with registered office in Świdnik, VI Economic Division of the National Court Register, share capital: PLN 6,000.00.

Contact about the service and the mobile application is possible at portal@finub.pl.
Below are the terms and conditions for the use of the service and the mobile application.

Definitions

For the purposes of these Regulations, the following terms shall have the following meanings:

Administrator - FIN-HUB Spółka z ograniczoną odpowiedzialnością, ul. Długa 5 lok. 90, 20-346 Lublin, NIP: 5252796739, REGON: 38396986200000, KRS: 0000796588, registration court: District Court Lublin-East in Lublin with registered office in Świdnik, VI Economic Division of the National Court Register, initial capital: PLN 6,000.00,
App - FINpl mobile app available for download on the AppStore and GooglePlay,
Expert - a financial expert whose business card is available on the Website,
Consumer - a natural person making a legal transaction with the Administrator which is not directly related to his/her economic or professional activity; a Consumer is also a User,
POCK - a natural person concluding a contract with the Administrator directly related to his/her business activity, where it is apparent from the content of the contract that it is not of a professional nature for that person, arising in particular from the subject matter of his/her business activity made available on the basis of the provisions on the Central Register and Information on Business Activity; POCK is also a User,
Privacy Policy - privacy policy available at https://finpl.co.uk/polityka-prywatnosci/,
Terms and Conditions - these terms and conditions available at https://finpl.co.uk/regulamin,
Service - the website available at https://finpl.co.uk,
User - a natural person using the Website.

§ 1 Introductory provisions

The Administrator provides electronic services to the User.
The services provided electronically by the Administrator may only be used by persons who are of full legal age and have full legal capacity.
If the User uses the services provided electronically by the Administrator on behalf of another entity, he/she declares that he/she has the authority to act on behalf of that other entity and that the entity has read the Terms of Use and accepts their contents in full.
The Regulations set out the rules for the provision of services by electronic means, in particular the rights and obligations of the Administrator and the User.
The Administrator shall provide the User with the possibility of using the Website and the Application, but shall not be a party to any agreements that the User concludes with Experts in connection with the use of the Website or the Application, nor a party to any loan agreements that are concluded in connection with the use of the Website or the Application.
The User does not pay any fees to the Administrator in connection with the use of the Website or the Application.
Browsing the publicly accessible content of the Website is possible without providing personal data, but the use of certain features of the Website may require the provision of certain data via forms available on the Website.
Use of the Application requires you to have a User account and therefore to provide personal data at the stage of registration for such an account.
It is not necessary for the User's computer or other device to meet specific technical conditions in order to use the Website. Sufficient are:
1. internet access,
2. standard operating system,
3. standard web browser,
4. having an active e-mail address - to use certain features of the Website.
In order to use the Application, you must have a smartphone, internet access and an AppStore or GooglePlay application to download the Application. The Administrator grants the User a non-exclusive, royalty-free licence to install the Application on his/her device, to store the Application in the device's memory and to use the Application
In order to ensure the security of the User and the transmission of data in connection with the use of the Website and the Application, the Administrator shall take technical and organisational measures appropriate to the degree of security risk of the services provided, in particular measures to prevent the acquisition and modification of personal data by unauthorised persons.
The Administrator shall take steps to ensure the fully correct functioning of the Website and the Application. The User should inform the Administrator of any irregularities or interruptions in the functioning of the Website or the Application.

§ 2 User Account

The User may register a User account on the Website or the Application. The User may register on his/her own initiative or as a result of an invitation from an Expert who has provided the Administrator with the User's e-mail address for the purpose of sending an invitation to use the Website or the Application.
A User Account registered through the Website also enables logging in to the Application, and a User Account registered through the Application also enables logging in to the Website.
Registration of a User account leads to the conclusion of an agreement with the Administrator for the provision of electronic services in the form of user account maintenance and ensuring the User the possibility of using the functions of the Website or the Application available only to Users who have an account, which functions are described in the Terms of Use - § 3, § 4, § 5, § 6 and § 7 of the Terms of Use. The Agreement is concluded for an indefinite period of time, and either party may terminate it at any time.
By registering an account, the User may give additional consents, in particular marketing consents, by ticking the relevant checkboxes on the form.
The user is obliged to take care of the confidentiality of his/her account access data.
Some of the functions of the Website may only be available to a User who has an account.
The use of the Application is only possible by a User who has a User account.

§ 3 Comparison of credit offers

A form is available on the Website and on the Application through which the User may order the credit offer comparison service provided free of charge by the Expert.
The order is made by filling in a form in which the User provides the information necessary to prepare a comparison of credit offers.
The order requires a user account.
When placing an order, the User may give additional consents, in particular marketing consents, by ticking the relevant checkboxes on the form.
All information provided by the User in the form is made available to the selected Expert. The selection of the Expert is made by the Administrator, taking into account the User's needs specified in the form.
The comparison of credit offers is provided to the User by the Expert electronically, via the Website or the Application.
The service of comparing credit offers is provided by the Expert. The role of the Administrator is limited to connecting the User with the Expert.

§ 4 Search for an Expert

A form is available on the Website and on the Application, which allows the User to find an Expert corresponding to the User's current needs and to contact that Expert.
The search for an Expert is carried out by filling in a form in which the User provides the information necessary for the selection of the Expert.
Using the function of contacting an Expert requires registration of a User account on the Website.
By completing the form referred to above, the User may give additional consents, in particular marketing consents, by ticking the relevant checkboxes on the form.
Once the form has been completed and submitted, the User is shown a page with a list of Experts corresponding to the criteria specified by the User in the form.

§ 5 Experts' business cards and contact with the Expert

Experts' business cards are published on the Service.
Business cards indicate which Expert can be contacted via the Service or the Application.
Through the Website and the Application, the User who has a User Account may exchange messages with the Experts referred to in paragraph 2.
The User may either contact the Expert of his/her choice himself/herself or fill in a general Expert contact order form. If the aforementioned form is filled in, the Administrator's ICT system selects the Expert who best matches the criteria specified by the User and transmits to the Expert thus selected a request for contact with the User, together with the information provided by the User in the form.
The history of correspondence with the Expert is stored in the User's account. The correspondence history is deleted 3 months after the deletion of the User's account.
The role of the Administrator is limited solely to providing the User with ICT resources to exchange messages with the Expert and to store the history of correspondence.

§ 6 Opinions on Experts

Opinions on Experts may be published on the Service.
Opinions on Experts can be published by a User who has an account.
Reviews on Experts are divided into general reviews and collaborative reviews.
A general opinion can be added by any user who has an account.
A Collaboration Opinion can be added by a User who has previously collaborated with an Expert, which is confirmed by the Website's ICT system or the Application.
By adding an opinion, the User agrees to its publication on the Website, together with his or her personal data, such as name and surname, image. The User may withdraw this consent at any time by contacting the Administrator, which will lead to the removal of the opinion from the Website.
The administrator only provides ICT resources for storing and publishing opinions, without exercising preventive control over the content of opinions, but retains the right to moderate or delete opinions that violate the law, the Rules of Procedure or good morals.

§ 7 Communication with the User

The administrator may send the User messages related to the services provided to the User electronically.
The expert may respond to enquiries made by the user and send ordered comparisons of credit offers.
You may consent to additional marketing communications by the Administrator or Experts.

§ 8 Prohibited behaviour

The User shall use the Website and the Application in a manner consistent with the law, the Regulations and good morals.
The following activities, in particular, are prohibited:
1. transmission of unlawful content,
2. use of the Website or the App for marketing activities,
3. invade the privacy of other users,
4. attempts to access resources not intended for the User,
5. the addition of untruthful opinions about Experts,
6. attempts to interfere with the proper operation of the Website or the Application,
7. attempts to obtain personal and financial data for purposes other than the subject matter of the Service or the Application,
8. infringement of copyright of elements, content of the Website or the Application.
In the event of any unauthorised use of the Website or the Application by the User, the Administrator shall send the User a reminder.
In the event of repeated unauthorised use of the Website or the Application, the Administrator may terminate the User's account agreement with immediate effect, resulting in the loss of the User's access to the features of the Website or the Application available to users with accounts.

§ 9 Complaints

Complaints related to the services provided electronically by the Administrator may be submitted in writing to the Administrator's registered office address or by e-mail to reklamacja@finpl.co.uk.
The complaint should contain data enabling the User to be identified, a description of the circumstances to which the complaint relates and the User's demands related to the complaint.
The administrator shall consider complaints within 14 days of the complaint being delivered.
Complaints about the services provided by Experts may be submitted through the Website or the Application using a dedicated function in this regard. The complaint is visible to the Administrator and the Expert whose services the complaint concerns.

§ 10 Specific rights of the consumer and POCK

The consumer and POCK may withdraw from a distance contract concluded with the Administrator within 14 days of its conclusion.
In order to withdraw from the contract, the Consumer or POCK must inform the Administrator of his or her decision to withdraw from the contract by an unequivocal statement - for example, a letter sent by post, fax or e-mail.
The Consumer has the possibility to make use of out-of-court complaint and redress procedures. Among other things, the Consumer has the possibility to:
1. apply to a permanent amicable consumer court for the settlement of a contractual dispute
2. apply to the provincial inspector of the Commercial Inspection to initiate mediation proceedings for an amicable settlement of the dispute between the User and the Administrator,
3. seek the assistance of the district (municipal) consumer ombudsman or a social organisation whose statutory tasks include consumer protection.
For more detailed information on out-of-court complaint and redress procedures, the Consumer can look at http://polubownie.uokik.gov.pl.
The consumer can also use the ODR platform, which is available at http://ec.europa.eu/consumers/odr. The platform serves to resolve disputes between consumers and traders seeking out-of-court resolution of disputes concerning contractual obligations arising from an online sales or service contract.

§ 11 Personal data and privacy

The Administrator is the administrator of the User's personal data.
For matters relating to the processing of personal data, the User can contact portal@finpl.co.uk.
The User's personal data is processed by the Administrator in order to provide services electronically on the basis of Article 6(1)(b) RODO (performance of the contract) and for archival purposes for the investigation, establishment or defence of claims on the basis of Article 6(1)(f) RODO (legitimate interest pursued by the Administrator).
If the User submits a complaint, the User's personal data are also processed by the Administrator for the purpose of handling the complaint process and for archival purposes for the investigation, establishment or defence of claims on the basis of Article 6(1)(f) RODO (legitimate interest pursued by the Administrator).
If the User consents to receive e-mails related to the opportunities offered by the Website and the Application, the User's personal data is processed by the Administrator for the purpose of servicing the process of sending such messages on the basis of Article 6(1)(f) RODO (legally justified interest pursued by the Administrator). After the User has withdrawn his/her consent, the User's personal data is processed for archival purposes for the investigation, establishment or defence of claims and in order to ensure that the Administrator is able to demonstrate proper compliance with obligations related to the protection of personal data, on the basis of Article 6(1)(f) RODO (legitimate interest pursued by the Administrator).
The User's personal data shall be stored until the expiry of the limitation period for claims relating to the services provided electronically, and if the storage of the data is further justified by the need to ensure that the Administrator is able to demonstrate proper compliance with obligations relating to the protection of personal data, the User's personal data shall be stored to the extent necessary for this purpose for as long as the Administrator may be subject to an audit regarding proper compliance with said obligations.
User's rights related to the processing of his/her personal data: the right to request the Administrator to access his/her personal data, the right to rectify the data, the right to erase the data, the right to restrict the processing of the data, the right to object to the processing of the data, the right to data portability, the right to lodge a complaint to the supervisory authority.
In the event that the User contacts the Expert, makes a complaint about the services provided by the Expert, agrees to receive e-mails about offers, promotions, services or financial products sent directly by the Expert or the User's data is provided to the Expert in accordance with the Terms of Use, the Expert shall also become the independent administrator of the User's personal data.
The Website and the App use cookie technology and other similar tracking technologies.
Details relating to the processing of personal data and cookies are described in the Privacy Policy.

§ 12 Other provisions

The Terms and Conditions may be amended for important reasons such as legal, technological or business changes. The User who holds a User account shall be notified in advance by e-mail about any planned changes to the Rules and Regulations. If the User does not agree to the changes, he/she may, without incurring any costs, stop using the services provided electronically by the Administrator, including termination of the User account agreement with immediate effect.
Any disputes relating to the Website or the Application shall be settled by the competent court for the place of the Administrator's registered office, with the proviso that this provision does not apply to Consumers and POCK, in the case of whom the jurisdiction of the court is determined according to general principles.