Last Updated: 22 July 2026
These Terms of Use govern your access to and use of the website cugada-kumaza.info and the educational materials, workshop information, and other content published on it by Cugada Kumaza, located at plac Stefana Batorego 4, Szczecin, Poland. By accessing this website, you acknowledge that you have read these terms and that you agree to be bound by them. If you do not agree, please do not use this website.
The website is operated for informational and educational purposes. The content published here relates to the connection between self-esteem and spending behavior. It is intended to provide general educational material and information about the workshops and activities offered by Cugada Kumaza. Nothing on this website constitutes financial advice, psychological counseling, therapeutic guidance, or any form of professional advice regulated by Polish or European Union law. Users are responsible for their own decisions and should seek appropriate professional advice where needed.
You may access and use this website for personal, non-commercial, informational purposes. You may read, browse, and share links to individual pages for non-commercial purposes. You may not reproduce, copy, republish, transmit, or otherwise distribute any content from this website without our prior written consent, except where applicable law expressly permits such use. You may not use this website in any way that is unlawful, harmful, or that could damage the reputation of Cugada Kumaza or interfere with other users' access to the site.
Automated access to this website, including scraping, indexing by unauthorized crawlers, or any form of data harvesting beyond what is permitted by our robots.txt file, is not permitted without our express written authorization.
All content on this website, including but not limited to text, images, graphic elements, layout, and the selection and arrangement of content, is the property of Cugada Kumaza or is used with appropriate permission. This content is protected by Polish copyright law (Ustawa z dnia 4 lutego 1994 r. o prawie autorskim i prawach pokrewnych) and applicable European Union intellectual property regulations. The Cugada Kumaza name and visual identity elements are proprietary and may not be used without our written permission.
Nothing in these Terms of Use grants you any licence or right to use any intellectual property belonging to Cugada Kumaza, except as explicitly stated.
We aim to keep the information on this website accurate and current. However, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the information on this website for any particular purpose. The educational content is general in nature and may not apply to every individual's circumstances. We update content periodically but cannot guarantee that all information reflects the most current developments in relevant fields.
This website may contain links to external websites. These links are provided for informational convenience only. Cugada Kumaza does not control external websites and is not responsible for their content, privacy practices, or availability. The inclusion of a link does not imply endorsement of the linked site or its content.
To the extent permitted by applicable Polish and European Union law, Cugada Kumaza accepts no liability for any loss or damage of any nature arising from your use of this website or reliance on its content. This includes, without limitation, indirect or consequential loss, loss of data, or any other loss arising from your access to, use of, or inability to use the website. Nothing in these terms limits our liability for fraud, personal injury caused by our negligence, or any other liability that cannot be excluded by law.
Information about workshops published on this website is for informational purposes only. Details including dates, availability, format, and content may change. Enquiries about workshops should be directed to us by email or telephone. Participation in workshops is subject to separate terms that will be communicated at the time of booking. The content of workshop sessions is educational and does not constitute professional financial, psychological, or therapeutic advice.
These Terms of Use are governed by Polish law. Any dispute arising from or in connection with these terms or your use of this website shall be subject to the jurisdiction of the courts of Poland. If you are a consumer resident in another EU member state, you may also have the right to bring proceedings in the courts of your country of residence under applicable EU consumer protection rules.
We may revise these Terms of Use at any time by updating this page. The revised terms take effect from the date shown at the top of this document. Your continued use of the website after any revision constitutes your acceptance of the updated terms. We recommend reviewing this page periodically.
For any questions about these terms, please contact us at [email protected] or by post to plac Stefana Batorego 4, Szczecin, Poland.