This is an English translation of the Polish Terms of Service provided for convenience. In case of any discrepancy, the Polish version (available at plutario.pl/terms) shall prevail, as the Service is provided under Polish law.

1. General provisions

These terms of service (hereinafter: "Terms") govern the use of the Plutario application available at app.plutario.pl (hereinafter: "Service"). The service provider is Kacper Czarczyński Dreaming Software (jednoosobowa działalność gospodarcza), located at ul. Władysława Broniewskiego 24A/142, 01-771 Warszawa, Tax ID (NIP): 5252935425, Statistical ID (REGON): 523925339, registry: wpis do Centralnej Ewidencji i Informacji o Działalności Gospodarczej (CEIDG). Contact: contact@plutario.pl.

The Service is intended exclusively for Consumers — natural persons using it for purposes unrelated to their business or professional activity. The service provider does not enter into agreements with entrepreneurs within the meaning of Art. 43¹ of the Polish Civil Code. A person conducting a business activity may only use the Service as a Consumer, i.e. for personal purposes (private finance) unrelated to their business.

2. Definitions

Service — the Plutario web application for personal finance management, constituting a digital service within the meaning of Art. 2(5a) of the Consumer Rights Act.
User / Consumer — a natural person who has created an Account in the Service, using it for purposes not directly related to their business or professional activity (Art. 22¹ of the Polish Civil Code). This includes a natural person conducting a sole-proprietorship business who enters into an agreement of non-professional character within the meaning of Art. 385⁵ of the Civil Code — such person is covered by these Terms in full, including all provisions protecting Consumers.
Account — the User's individual account in the Service.
Subscription — a paid access plan (Starter, Standard, or Premium).
Trial period — 30 days of free access to Standard plan features after Account registration, with no charges.
Agreement — the agreement on the provision of the Service (including the supply of digital content or digital services) concluded between the service provider and the Consumer at a distance.
Force majeure — an external, extraordinary event that could not be foreseen or prevented, in particular: natural disasters, wars, acts of terror, nationwide strikes, acts of public authority, failures of internet or power infrastructure beyond the service provider's control, hosting or cloud provider outages, cyberattacks preventing the delivery of the Service.

3. Registration and account

Registration requires an email address or OAuth login (Google, GitHub, Microsoft).
Users must be at least 16 years old. The Service is not intended for persons under 16 (Art. 8 GDPR).
Users are responsible for the security of their login credentials and undertake not to share them with third parties.
Registration requires acceptance of these Terms and the privacy policy.
Upon Account creation, a free agreement is concluded covering free features and the Trial period. An agreement for a paid Service (Subscription) is concluded separately upon ordering a paid plan and completing payment.

4. Trial period

Every new Account receives 30 days of free access to Standard plan features. The Trial period is completely free — no payment details are required, and it does not automatically convert into a paid Subscription. After the Trial period ends, the Account has access only to free features; upgrading to any paid plan requires a separate, explicit action by the User (placing an order and making payment).

5. Subscription plans and payments

Starter — 45 PLN/year or 5 PLN/month. Up to 3 budgets, 5 financial accounts per budget, monthly reports.
Standard — 90 PLN/year or 10 PLN/month. Unlimited budgets and accounts, advanced reports, recurring transactions, budget sharing.
Premium — 180 PLN/year or 20 PLN/month. All Standard features plus transfer chains, multi-currency support, priority support.

Payments are processed by Stripe Payments Europe, Ltd. Annual plans include a 25% discount compared to monthly billing. The prices shown are final prices (gross) that the Consumer is required to pay — no additional fees or taxes are added. In accordance with Art. 12(1)(5) of the Consumer Rights Act, the service provider informs the Consumer of the total price before the order is placed, during the checkout flow.

6. Conclusion of a paid agreement and right of withdrawal

6.1. Conclusion of a paid agreement

The agreement for the provision of a paid digital Service is concluded upon the Consumer placing a Subscription order and completing payment. Immediately after the agreement is concluded, the service provider delivers to the Consumer, on a durable medium (email), confirmation of the agreement containing: the content of the accepted Terms in the version in force at the time of purchase, the chosen plan and price, the date of conclusion, the notice on the right of withdrawal, and the withdrawal form template constituting Annex 1 to these Terms.

6.2. Withdrawal period

Pursuant to Art. 27 of the Polish Consumer Rights Act of 30 May 2014, a Consumer who has entered into a distance contract has the right to withdraw from it within 14 days of its conclusion, without giving a reason and without incurring any costs, subject to section 6.4. The period runs from the day of conclusion of the paid Service agreement (first charge), not from the day of Account registration or the start of the Trial period.

6.3. How to withdraw

To exercise the right of withdrawal, the Consumer must send the service provider an unequivocal statement of withdrawal — electronically to contact@plutario.pl, by post to the service provider's registered address, or using the template form in Annex 1. Sending the statement before the deadline is sufficient to meet the deadline. The service provider will promptly send the Consumer an electronic confirmation of receipt.

6.4. Exception — supplying a digital service before the withdrawal period ends

Pursuant to Art. 38(13) of the Consumer Rights Act, the right of withdrawal does not apply to agreements for the supply of a digital service for which the Consumer is obliged to pay a price, if all of the following conditions are met:

the Consumer has given prior express consent to the performance of the service before the withdrawal period expires,
the Consumer has acknowledged that they will thereby lose the right of withdrawal,
the service provider has delivered to the Consumer a confirmation of the agreement on a durable medium containing these acknowledgements.

The above consents are obtained from the Consumer during the checkout flow in an unambiguous manner — in the form of two separate, not pre-ticked checkboxes. Acceptance of the Terms alone does not replace the express consent referred to above. If the Consumer does not grant either of these consents, provision of the paid Service will begin only after the 14-day withdrawal period has expired.

6.5. Effects of withdrawal

Effective withdrawal renders the agreement void. The service provider refunds all payments received promptly, no later than 14 days after receipt of the withdrawal statement, using the same payment method as the original purchase, unless the Consumer explicitly agreed otherwise.

If the Consumer has given the consents referred to in section 6.4 and subsequently — before the withdrawal period ends — exercises the right of withdrawal, then pursuant to Art. 35 of the Consumer Rights Act the Consumer is obliged to pay for services performed up to the moment of withdrawal. The amount is calculated proportionally to the scope of the service performed by the service provider, based on the agreed price.

7. Conformity of the digital Service with the agreement (Art. 43h–43q of the Consumer Rights Act)

The service provider is liable for the conformity of the digital Service with the agreement under the rules set out in Art. 43h–43q of the Consumer Rights Act. The service provider is liable for any lack of conformity which:

existed at the time of delivery and became apparent within two years of that time — in the case of a single supply,
became apparent during the period of supply of the Service under the agreement — in the case of continuous supply (Subscription).

In the event of non-conformity, the Consumer may demand that the Service be brought into conformity and, if this is impossible or would involve disproportionate costs, may submit a statement on the reduction of the price or on withdrawal from the agreement under the rules set out in Art. 43m of the Consumer Rights Act. These rights apply independently of the right of withdrawal referred to in §6.

8. Cancellation and refunds

Subscriptions can be cancelled at any time from Account settings, at no additional cost.
After cancellation, the Consumer retains access to paid features until the end of the current billing period.
For annual plans — regardless of the statutory right of withdrawal described in §6 — the Consumer is entitled to a proportional refund for the unused period, upon request to contact@plutario.pl. The refund is issued within 14 days of receipt of the request.
The Trial period is free and does not require cancellation.

9. Complaints

The Consumer has the right to file a complaint regarding the operation of the Service, including claims based on non-conformity of the Service with the agreement (§7). Complaints should be sent to contact@plutario.pl. The complaint should include:

the Consumer's name and email address,
description of the reported problem,
expected resolution.

Complaints are processed within 14 days of receipt. Failure to respond within this period constitutes acceptance of the complaint. The Consumer is notified of the outcome electronically.

10. Acceptable use

The Consumer agrees to:

use the Service only for its intended purpose (personal finance management),
not share login credentials with third parties,
not upload unlawful content or content infringing third-party rights,
not use techniques that may disrupt the Service (e.g. automated scripts, unauthorized access attempts).

11. CSV data import

The CSV import feature allows you to upload bank statements into the Service. Plutario does not access the Consumer's bank account — the CSV file is uploaded manually by the Consumer, and imported transactions are stored in the Service database. The Consumer is responsible for the accuracy of imported data.

12. Budget sharing

With Standard and Premium plans, a Consumer can invite others to a shared budget via email. The invited person must have an Account in the Service. The budget owner can revoke access at any time. Personal data processed within a shared budget is subject to the rules described in the privacy policy, in particular joint controllership (Art. 26 GDPR).

13. Automated suggestions (profiling)

During CSV import, the Service may automatically suggest categories for imported transactions based on their description. This is a form of automated processing (profiling) which produces no legal effects concerning the Consumer and does not significantly affect them — it is merely a suggestion that the Consumer may accept or reject. Details in the privacy policy (§3).

14. Intellectual property

The Service, its source code, interface, logo, and content are protected by copyright and are the property of the service provider. The Consumer retains full ownership of their financial data entered into the Service. The Consumer may export their data at any time in a machine-readable format (right to data portability — Art. 20 GDPR).

15. Service availability and liability

The service provider makes best efforts to keep the Service continuously available but does not guarantee uninterrupted operation due to the need for maintenance work, updates, and the possibility of Force majeure events.

The service provider is liable to the Consumer under the general rules of the Polish Civil Code and the Consumer Rights Act, in particular regarding conformity of the digital Service with the agreement (Art. 43h–43q of the Consumer Rights Act). No provision of these Terms limits or excludes such liability to the extent that this would infringe mandatory provisions of law protecting Consumers.

The Service is informational and record-keeping in nature and does not constitute financial, investment, or tax advice within the meaning of applicable law. The service provider is not liable for financial decisions made by the Consumer based on data stored in the Service.

The service provider is not liable for non-performance or improper performance resulting solely from Force majeure, provided it has exercised due diligence to mitigate the effects. This limitation does not apply to liability towards the Consumer to the extent it would be contrary to mandatory provisions of law.

16. Account deletion

The Consumer may delete their Account at any time from the app settings. After deletion, all personal and financial data is permanently removed without undue delay, no later than 30 days, except for data whose retention is required by law (in particular billing data — 5 years from the end of the financial year, as required by the Polish Accounting Act).

17. Changes to the Terms

The service provider reserves the right to modify the Terms for important reasons, such as: changes in the law, introduction of new Service features, changes in prices or plans, security considerations. Consumers will be notified of significant changes at least 14 days in advance via email and in-app notification.

Pursuant to Art. 43q of the Consumer Rights Act, in the event of a significant modification of the Terms affecting the way the digital Service is accessed or used, the Consumer has the right to terminate the agreement with immediate effect within 30 days of receiving notice of the change. In such case, the service provider refunds a proportional part of the Subscription fee for the unused period.

The Terms version number is displayed at the top of this page. Continued use of the Service after changes take effect — following prior notification — constitutes acceptance.

18. Online dispute resolution (ODR)

Consumers may use out-of-court methods for handling complaints and pursuing claims. The European Commission provides an Online Dispute Resolution platform, available at: https://ec.europa.eu/consumers/odr/. Service provider's contact email for ODR matters: contact@plutario.pl.

Consumers may also seek assistance from the municipal (district) consumer rights advocate, the Regional Inspectorate of Trade Inspection, or consumer protection organisations (e.g. Federacja Konsumentów).

19. Governing law and disputes

These Terms are governed by Polish law. The choice of Polish law does not deprive the Consumer of the protection afforded by mandatory provisions of the law of the country of their habitual residence (Art. 6 of the Rome I Regulation). Any disputes arising from the Terms shall be resolved by the court having jurisdiction under the Polish Code of Civil Procedure, including — at the Consumer's sole choice — the court having jurisdiction over the Consumer's place of residence.

20. Contact

For questions about these Terms, contact us at: contact@plutario.pl.

Annex 1 — Withdrawal form template

(fill in and return this form only if you wish to withdraw from the agreement)

To: Kacper Czarczyński Dreaming Software, ul. Władysława Broniewskiego 24A/142, 01-771 Warszawa,
email: contact@plutario.pl

I/We (*) hereby give notice that I/we (*) withdraw from the agreement for the supply of the following digital service: Plutario — [Starter / Standard / Premium] Subscription (*)

Date of conclusion of the agreement: ............................................
Consumer's name: ............................................
Consumer's address: ............................................
Email address of the Plutario Account: ............................................
Consumer's signature (only if the form is submitted on paper): ............................................
Date: ............................................

(*) Delete as appropriate.