Terms of Use

A. Nature of the Website

Pemiha is an educational platform that publishes informational content on the psychology of financial decision-making. All content on this website is provided for general educational purposes only. Nothing on this website constitutes financial advice, investment guidance, legal advice, psychological counselling, or any form of regulated professional service. The content is intended to inform and educate, not to provide personalised recommendations of any kind.

Users are solely responsible for any decisions they make in connection with their personal finances. Pemiha expressly disclaims any liability for financial decisions made by users in reliance on content published on this website.

B. Permitted Use

You may access and use the content on this website for your own personal, non-commercial educational purposes. You may not copy, reproduce, republish, distribute, transmit, display, or create derivative works from any content on this site without prior written permission from Pemiha. Systematic scraping, automated access, or any use of the content for the purpose of training artificial intelligence models is not permitted without explicit written consent.

You agree not to use this website in any way that could damage, disable, overburden, or impair its operation, or interfere with any other user's access to the site.

C. Intellectual Property

All content on this website, including but not limited to text, images, graphics, the site structure, and the design, is the intellectual property of Pemiha or its content partners, and is protected under Polish copyright law (Ustawa z dnia 4 lutego 1994 r. o prawie autorskim i prawach pokrewnych, Dz.U. 1994 nr 24 poz. 83 with amendments) and applicable European Union intellectual property law. The Pemiha name, logo, and brand elements are proprietary and may not be used without written authorisation.

D. Third-Party Links and External Content

This website may contain links to external websites or resources. These links are provided for informational convenience only. Pemiha has no control over the content, accuracy, or availability of external websites, and the inclusion of any link does not constitute an endorsement or recommendation of the linked site or its content. Accessing any external link is done at your own risk.

E. Disclaimers and Limitation of Liability

The content on this website is provided on an "as is" basis without warranties of any kind, express or implied. Pemiha does not warrant that the website will be available without interruption, free from errors, or that any errors will be corrected. To the extent permitted by applicable Polish and EU law, Pemiha excludes liability for any direct, indirect, incidental, or consequential loss arising from the use of, or inability to use, this website or its content.

Nothing in these Terms limits any liability that cannot be excluded under applicable law, including liability for death or personal injury caused by negligence, or liability for fraud or fraudulent misrepresentation.

F. Contact Form Submissions

By submitting a message through the contact form on this website, you consent to Pemiha using the information provided to respond to your inquiry. You confirm that the information you provide is accurate and that you are the owner of the email address and phone number provided. Submissions that contain spam, offensive content, or solicitations are not permitted.

G. Governing Law and Jurisdiction

These Terms of Use are governed by and construed in accordance with the law of the Republic of Poland, including the Polish Civil Code (Kodeks cywilny) and applicable European Union law. Any disputes arising from or related to these Terms shall be subject to the exclusive jurisdiction of the competent courts in Szczecin, Poland, unless mandatory consumer protection provisions in your jurisdiction of residence provide otherwise.

H. Amendments to These Terms

Pemiha reserves the right to amend these Terms of Use at any time. Changes become effective upon publication on this page with an updated "Last Updated" date. Your continued use of the website after changes are published constitutes your acceptance of the revised Terms. If changes are material, we may draw attention to them at the top of the page or through a notice on the website.