Warunki świadczenia usług

1. Operator and agreement#

These Terms of Service ("Terms") govern your access to and use of the Taufolio website, application, reports, share links, subscriptions, and related services (collectively, the "Service").

The Service is operated by:

• Jacek Janczura
• Adama Mickiewicza 73, 01-625 Warszawa, Poland
• Email: support@taufolio.com
• NIP: 5253008276
• VAT EU: PL5253008276
• REGON: 528998136

By creating an account, purchasing access, or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

2. Eligibility#

You may use Taufolio only if:

• you are legally capable of entering into a binding agreement under applicable law
• you are at least the age of majority in your jurisdiction
• the use of the Service is not prohibited by applicable law

If you use Taufolio on behalf of a business or other organization, you represent that you have authority to bind that entity to these Terms.

3. What Taufolio is#

Taufolio is informational software that helps users generate AI-assisted equity research materials, including deep research reports, short recap reports, earnings call analysis, translations, portfolio monitoring features, and public share links.

Taufolio is provided as a software service only.

4. What Taufolio is not#

Taufolio is not:

• investment advice
• financial advice
• legal advice
• tax advice
• brokerage
• portfolio management
• custody
• an execution venue
• a fiduciary or personal adviser

Taufolio does not assess the suitability of any investment for your specific circumstances and does not make personal recommendations.

5. Not investment advice#

Reports, ratings, scores, summaries, recaps, earnings-call analyses, translations, and any buy, sell, hold, long, short, bullish, bearish, or similar markers or signals produced by the Service are provided for informational purposes only. They are not, and must not be treated as, investment advice, a solicitation, a recommendation, or an offer to buy or sell any security or financial instrument.

You are solely responsible for your own investment decisions. You should independently verify any information and, where appropriate, consult a qualified, licensed professional before acting on it. Taufolio accepts no responsibility for any investment, trading, business, tax, or legal decision made by you or on your behalf.

6. No reliance and AI risk#

Taufolio uses automated systems and AI models to generate outputs.

You acknowledge and agree that:

• outputs may be incomplete, inaccurate, stale, inconsistent, misleading, or hallucinatory
• source materials may be incomplete or contain errors
• the Service may omit relevant facts, risks, or context
• any market, legal, regulatory, or company information can change quickly

You must independently review and verify any information before relying on it. You use the Service at your own risk.

7. Accounts and account security#

Some features require an account. You agree to:

• provide accurate and current information
• keep your login credentials confidential
• maintain the security of your account and devices
• notify us promptly if you suspect unauthorized access or misuse

You are responsible for activity carried out through your account unless mandatory law provides otherwise.

8. Subscriptions, credits, and paid features#

Taufolio may offer free, paid, subscription, trial, and one-time paid features, including credit-based usage.

Subscription credits#

Subscription plans may include a recurring credit allowance. Unless explicitly stated otherwise for a specific plan, subscription credits may reset, expire, or refresh at the end of the relevant billing cycle and do not necessarily roll over indefinitely.

Top-up credits#

Taufolio may also offer one-time top-up credits. Based on the current product model, separately purchased top-up credits are intended to remain in your account until used unless a different rule is expressly stated at purchase time or required by law.

Trial or promotional credits#

Trial, promotional, or free credits may expire or be withdrawn under the terms of the relevant offer.

Use of credits#

Credits may be deducted when you request reports or other paid actions. Specific credit costs per feature may vary and may change over time - see "Price changes" below.

Credits:

• have no cash value unless mandatory law requires otherwise
• are non-transferable except where we expressly allow it
• may be revoked if issued because of fraud, chargeback, abuse, or obvious error

9. Billing and renewals#

If you buy a paid subscription or paid credits, you authorize the relevant payment provider to charge the applicable fees, taxes, and other disclosed amounts.

If your plan renews automatically, you authorize recurring charges until you cancel in accordance with the relevant subscription terms.

We may suspend or limit access if payment fails, is reversed, is reasonably suspected to be fraudulent, or remains overdue.

10. Price changes#

We may change the price of subscriptions, plans, top-up packs, individual features, or the credit cost of generating a given report at any time. Unless a different rule is required by applicable consumer-protection law, the following rules apply:

• Subscription price changes: we will provide reasonable advance notice (for example, by email or in-app notice). New subscription prices take effect at the start of the next billing period after the notice. If you do not accept the new price, you may cancel before the new price takes effect.
• Credit costs per feature: the number of credits required to generate a given report or use a given feature may change at any time as models, data, or underlying costs change. Changes apply prospectively to new report generations and feature uses after the change.
• Top-up pack pricing: price and credit quantity for top-up packs may change at any time. Packs you have already purchased are not affected retroactively - only future purchases use the new pricing.
• Reports and features can change: Taufolio may add, remove, modify, rename, or re-scope reports, sections, ratings, scoring logic, translations, and other features at any time.

Your continued use of the Service after a price change becomes effective constitutes acceptance of the new pricing for future purchases.

11. Refund policy#

Except where required by applicable law (including mandatory consumer-protection rules) or where we expressly state a more specific commercial policy at checkout, on the pricing page, or in another purchase flow:

• subscription fees are non-refundable mid-period - if you cancel, your subscription remains active until the end of the current billing period and is not pro-rated
• top-up credits are non-refundable once the credits have been granted to your account
• partially used top-up packs are non-refundable
• credits used to generate reports or other outputs are non-refundable

We may, at our sole discretion, grant goodwill refunds or credit reversals in exceptional cases (for example, a verified billing error or a material service defect). Any such goodwill refund is not a waiver of the refund policy and does not entitle you to future refunds in similar situations.

If we expressly offer a more specific refund window or refund condition for a given plan or purchase flow, that more specific statement controls for that transaction.

12. Consumers and digital-service performance#

If you are a consumer, you may have statutory rights under applicable consumer law, including rights relating to withdrawal, conformity, defects, or unfair terms. Nothing in these Terms excludes or limits those rights where such exclusion or limitation is prohibited by law.

If you purchase digital content or digital services from Taufolio and request immediate access, use, report generation, credit delivery, or other immediate performance, you expressly request that performance begin before the end of any applicable withdrawal period.

Where permitted by law, you acknowledge that once digital content has been fully supplied or the relevant digital service has been fully performed, your withdrawal right may be reduced or lost to the extent provided by law.

13. User content and uploaded materials#

You are responsible for content, files, prompts, transcripts, documents, and other materials you submit, upload, request, publish, or share through Taufolio.

You represent that:

• you have the necessary rights to provide and use that content
• your content and use of the Service do not violate applicable law or third-party rights

You retain ownership of your content as between you and Taufolio, but you grant us a non-exclusive, worldwide licence to host, process, analyze, store, reproduce, adapt, and display that content as necessary to operate, secure, improve, and provide the Service.

14. Public share links#

Taufolio may allow you to publish report content via public share links. If you publish a report through a share link:

• anyone with the link may be able to access the shared content
• you are responsible for deciding what content to publish
• you should not publish confidential, personal, or otherwise sensitive information unless you accept that risk

We may disable or remove share links that violate these Terms, create legal risk, or are otherwise inappropriate for the Service.

15. Acceptable use policy#

You agree not to:

• use the Service for unlawful, fraudulent, deceptive, or abusive purposes
• infringe the rights of others
• attempt unauthorized access to systems, accounts, or data
• interfere with the security, integrity, or availability of the Service
• scrape, harvest, or extract content or data from the Service other than through authorized user-facing functionality
• reverse engineer, decompile, or attempt to derive source code, underlying models, prompts, or system logic, except where mandatory law prohibits restricting that right
• circumvent, disable, or attempt to bypass any usage, credit, rate, billing, or entitlement limits
• resell, sublicense, or commercially redistribute reports, share-link content, or other outputs of the Service without our express written permission
• use the Service to build a competing dataset, model, or service in a manner that exceeds permitted use
• upload malware, malicious code, or harmful content
• misuse public share links or distribute content in violation of law or third-party rights

We may monitor, investigate, suspend, restrict, or terminate access where we reasonably believe misuse, abuse, fraud, or legal risk exists.

16. Intellectual property#

Taufolio and its software, branding, interface, site design, and related materials are protected by intellectual-property and other laws.

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable right to access and use the Service for its intended purpose.

No rights are granted except as expressly stated in these Terms.

17. Service availability, changes, and discontinuation#

We may modify, update, suspend, or discontinue any part of the Service at any time, including features, models, pricing, credit costs, and plan structure.

We do not guarantee that the Service, or any part of it, will be available at all times, uninterrupted, secure, error-free, or suitable for any particular purpose.

18. Account suspension and termination#

We may suspend, restrict, or terminate your access to the Service, in whole or in part, with or without notice, if:

• you breach these Terms or any applicable policy
• payment fails, is reversed, or remains overdue
• we reasonably suspect fraud, abuse, chargeback abuse, or unlawful activity
• continued access creates legal, security, or operational risk for Taufolio, other users, or third parties
• required by law, regulation, or competent authority

You may stop using the Service at any time. Where applicable, you can also cancel paid subscriptions through the relevant billing settings, subject to any disclosed billing-cycle rules.

On suspension or termination, we may delete or restrict access to your account, content, share links, and unused credits, subject to any mandatory legal retention obligations.

19. Warranty disclaimer#

To the fullest extent permitted by law, the Service is provided "AS IS" and "AS AVAILABLE", without warranties of any kind, whether express, implied, statutory, or otherwise.

We expressly disclaim all warranties, including:

• merchantability
• fitness for a particular purpose
• non-infringement
• accuracy, completeness, reliability, or timeliness
• uninterrupted or error-free operation
• freedom from defects, bugs, or harmful components
• any warranty regarding investment outcomes, profitability, or decision quality

No advice or information, whether oral or written, obtained from Taufolio or through the Service creates any warranty not expressly stated in these Terms.

20. Limitation of liability#

To the fullest extent permitted by law, Taufolio and its operator will not be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages, including loss of profits, lost savings, lost business opportunity, market losses, trading losses, investment losses, loss of goodwill, or loss of or damage to data, arising out of or related to your use of, inability to use, or reliance on the Service - even if we have been advised of the possibility of such damages.

To the fullest extent permitted by law, Taufolio's aggregate liability for all claims arising out of or relating to the Service will not exceed the total fees you actually paid to Taufolio during the 12 months immediately preceding the event giving rise to the claim.

Nothing in these Terms excludes or limits liability where such exclusion or limitation is prohibited by applicable law, including mandatory consumer protections.

21. Indemnification#

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Taufolio and its operator from and against any third-party claims, losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• your use or misuse of the Service
• your violation of these Terms or any applicable policy
• your violation of applicable law or third-party rights
• content you upload, submit, publish, or share, including via public share links
• any dispute between you and a third party arising from your use of the Service

We may, at our option, assume the exclusive defense and control of any matter subject to indemnification, in which case you agree to cooperate with our defense of those claims.

22. Force majeure#

Taufolio will not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, civil unrest, pandemics, governmental or regulatory action, labor disputes, cyberattacks, denial-of-service events, failures of the internet or telecommunications networks, or failures of upstream providers (including authentication, payment, hosting, infrastructure, AI-model, market-data, and email providers).

23. Governing law and venue#

These Terms are governed by the laws of Poland, without regard to its conflict-of-laws rules, and without prejudice to any mandatory consumer-protection rules that apply in the country where a consumer habitually resides.

If you are a consumer, you may benefit from mandatory local-law protections and forum rights that cannot be contractually displaced.

If you are not a consumer and mandatory law does not require otherwise, the courts of Warsaw, Poland will have exclusive jurisdiction over disputes arising out of or relating to these Terms or the Service.

24. Modification of terms#

We may update, amend, or replace these Terms from time to time. The updated version becomes effective when published on the Service or otherwise made available to you, unless a different effective date is stated.

If changes are material, we will take reasonable steps to notify you (for example, by email or in-app notice). Your continued use of the Service after the updated Terms take effect constitutes acceptance of the updated Terms, unless applicable law requires a different acceptance mechanism. If you do not accept the updated Terms, your sole remedy is to stop using the Service and, where applicable, cancel your subscription.

25. Severability#

If any provision of these Terms is held invalid, illegal, or unenforceable by a court or authority of competent jurisdiction, that provision will be modified to the minimum extent necessary to make it enforceable, or severed from these Terms if it cannot be so modified. The remaining provisions will remain in full force and effect.

26. Entire agreement#

These Terms, together with any policies or additional terms we expressly incorporate by reference (for example, at checkout or on the pricing page), constitute the entire agreement between you and Taufolio regarding the Service, and supersede all prior or contemporaneous understandings, communications, or agreements relating to the same subject matter.

27. Survival#

All provisions of these Terms that by their nature should survive termination will survive, including - without limitation - provisions relating to:

• intellectual property
• user content licences granted to us
• fees already accrued and payment obligations
• warranty disclaimers
• limitation of liability
• indemnification
• governing law and venue
• dispute resolution

28. DMCA / IP takedown contact#

If you believe that content available through the Service (including via a public share link) infringes your copyright or other intellectual-property rights, please send a written notice to support@taufolio.com with the subject line "IP Takedown Request".

Your notice should include:

• identification of the copyrighted or protected work claimed to have been infringed
• identification of the allegedly infringing material and its URL or location on the Service
• your full name, address, telephone number, and email address
• a statement that you have a good-faith belief that the use is not authorized by the rightsholder, its agent, or the law
• a statement, under penalty of perjury (where applicable), that the information in the notice is accurate and that you are authorized to act on behalf of the rightsholder
• your physical or electronic signature

We may disable or remove allegedly infringing content, terminate repeat-infringer accounts, and forward takedown notices to the relevant user where appropriate.

29. Subprocessors#

Taufolio relies on third-party service providers to operate the Service. As of the "Last updated" date above, our main subprocessor categories include:

• Authentication: Clerk
• Payments and billing: Stripe
• Database and storage: Supabase
• Hosting, deployment, and edge delivery: Vercel
• AI model providers used to generate, translate, or process content (for example, Google Gemini and other model providers we may use from time to time)
• Market-data and financial-information providers
• Email and notification providers

We may update this list at any time as our infrastructure evolves. An up-to-date list can be provided on request to support@taufolio.com. Transfers of personal data to subprocessors are handled in accordance with our Privacy Policy and applicable data-protection law.

30. Contact#

Questions about these Terms may be sent to support@taufolio.com.