Prevention of money laundering and terrorism financing

CCFOUND TERMS AND CONDITIONS OF SERVICE

I. GENERAL PROVISIONS

Purpose
CCFOUND is a knowledge exchange platform operating in the form of a website, aimed at enabling Users to ask questions in a Q&A format and post announcements under the terms specified in these Terms and Conditions and the information provided directly on the Platform, as well as other documents made available by CCFOUND.

CCFOUND
These Terms and Conditions apply to you as a User and to the following entities jointly:

CCFOUND EDUCATION AND TRAINING COMPUTER SOFTWARE LIMITED (license number: CL5622) located at Dubai International Financial Centre, Unit GD-PB-04-06-OF-13 Level 6 Building Name Gate Precinct Building 04, Dubai, United Arab Emirates;
CCFOUND Sp. z o. o. Sp. K., with its registered office in Wrocław (50-203), ul. Romana Dmowskiego 3/9, Poland, with registration documents submitted to the District Court for Wrocław-Fabryczna in Wrocław, VI Economic Department of the National Court Register under KRS number: 0000841288, NIP: 8982257666, REGON: 386055341.

All statements should be directed exclusively to the appropriate entity. Contact with the Service Provider is available at the email address: [email protected].

Seller and Marketplace
The User acknowledges and accepts that on the Platform, they also have the option to use the Marketplace available at: www.ccfound.com/marketplace or another redirected link from the Platform. In terms of sales, the User enters into a legal relationship with the following entity:

CCFOUND Sp. z o. o. Sp. K., with its registered office in Wrocław (50-203), ul. Romana Dmowskiego 3/9, Poland, with registration documents submitted to the District Court for Wrocław-Fabryczna in Wrocław, VI Economic Department of the National Court Register under KRS number: 0000841288, NIP: 8982257666, REGON: 386055341 (hereinafter referred to as the "Seller" or "Service Provider").

Contact with the Seller is possible at the email address: [email protected].

Services
These Terms and Conditions define the rules for using the online Platform available at www.ccfound.com, as well as providing electronic services through it. CCFOUND is the entity managing the Platform, while Users engaging in transactions with other Users (including the trading of Vouchers for various purposes) may establish relationships based on separate regulations or terms of service.

Regulations and other documents
Each User is obligated, upon undertaking actions aimed at using the Platform (which also includes merely browsing the Platform), to comply with the provisions of these Terms and Conditions. The content of the Terms and Conditions is available to Users on the Platform at www.ccfound.com.

The User is required to familiarize themselves with the content of these Terms and Conditions. Acceptance of the Terms and Conditions is voluntary; however, it is a condition for using the Platform. Documents intended for Users are made available in electronic form on the Platform in a way that allows Users to store and reproduce them in the course of ordinary activities.

Disclaimers
The CCFOUND Platform is a place for exchanging knowledge and experiences. The content provided within the Platform is for informational and educational purposes only. It does not constitute investment, financial, medical advice, or any other type of guidance.

CCFOUND's activities do not refer to investments as investment funds. CCFOUND does not provide investment advice, recommendations, or management of any User's assets. The use of the term "investments" or "investment" or any other similar terms regarding information placed through the Platform should not be defined or equated with CCFOUND's activities.

CCFOUND's activities do not refer to medical advice; thus, content published by Users within the Platform should not be interpreted as a form of diagnosis, specialist medical care, or treatment recommendations. The use of the content and solutions contained therein is solely at the User's own risk and responsibility. Before starting any therapy, it is strongly recommended to consult a physician. In case of any concerning health symptoms, including allergic reactions or other unforeseen side effects, one should immediately contact a doctor or another appropriate medical unit.

II. DEFINITIONS

Service Provider / Administrator / CCFOUND
The Administrator and Service Provider of the website www.ccfound.com in accordance with the information provided in point I of these Terms and Conditions.
Seller
CCFOUND Sp. z o. o. Sp. K., with its registered office in Wrocław (50-203), ul. Romana Dmowskiego 3/9, Poland, with registration documents submitted to the District Court for Wrocław-Fabryczna in Wrocław, VI Economic Department of the National Court Register under KRS number: 0000841288, NIP: 8982257666, REGON: 386055341, which posts announcements regarding the sale of Products (training courses, e-books) on the Marketplace (Platform).
Platform
The website located at www.ccfound.com.
User
An individual, legal entity, or organizational unit without legal personality, whose separate provisions grant legal capacity, conducting business or professional activities, or having other appropriate rights regulated by national laws, participating in the Platform, if such participation is necessary in their place of residence or stay.
Consumer
A User who is a natural person or a natural person conducting business activities, engaging in a legal transaction with an entrepreneur (Seller) that is not directly related to their business or professional activities. All statements referred to in these Terms and Conditions concerning the User also apply to the Consumer, except in situations where separate provisions are provided for the Consumer.
Creator
A User who has entered into an agreement with the Seller according to these Terms and Conditions for creating and delivering Products (training courses, e-books, online courses, videos, audiobooks, and other similar items), which the Seller subsequently publishes on the Marketplace. All statements referred to in these Terms and Conditions concerning the User also apply to the Creator, except in situations where separate provisions are provided for the Creator.
User Account
A collection of resources and permissions granted to a User or Consumer within the Platform, containing information necessary for their authorization and enabling them to use Services or purchase Products on the Marketplace.
Reward
A form of reward for active Users on the Platform and simultaneous holders of CCFOUND Vouchers, fvUSD, or fvPLN. The conditions and method of granting it are specified in point VI sec. 14 and point VII sec. 7 of these Terms and Conditions.
Services
Digital services provided through the Platform, particularly enabling Users to ask questions in a Q&A format, along with the possibility of secondary trading of fvUSD or fvPLN in relationships occurring directly between Platform Users, and providing Users with the opportunity to use the Marketplace in relation to announcements offered by the Seller, including training courses and e-books.
Marketplace
A functionality within the Platform, accessible at www.ccfound.com/marketplace or another redirected link from the Platform, where Users can purchase specific Products provided by the Seller.
Price
Specified in the currency of PLN (Polish Zloty) or USD (US Dollar) or other equivalent currencies, including Vouchers of various purposes (hereinafter also collectively referred to as "settlement units"), the gross amount of remuneration (including tax) due to the Seller for the transfer of ownership of the Product to the User or Consumer in accordance with the Digital Content Delivery Agreement; the Price, along with the indication of the settlement unit, is specified directly next to the Product to which it pertains.
Product
Available on the Platform within the Marketplace, Products subject to the Digital Content Delivery Agreement for the payment of the Price, including in particular access to paid groups (access to a group led by a given Creator), training courses, e-books, online courses, videos, audiobooks, and other similar items available on the Marketplace. Payments for the Product are made by the User and may be automatically renewed until the User cancels them in the context of subscription payments. The User hereby authorizes CCFOUND to charge for the next billing period in accordance with these Terms and Conditions within the purchase of a specific Product in the form of recurring payment.
Digital Content Delivery Agreement
An agreement subject to which the Seller delivers digital content to the User or Consumer, consisting of data created and provided in digital form, e.g., training courses, e-books, online courses, videos, audiobooks, and other similar items available on the Marketplace.
Order
A declaration of will by the User or Consumer expressing a direct intent to conclude a Digital Content Delivery Agreement submitted using means of distance communication, specifying the Product for which the User or Consumer is making an offer to enter into the Agreement, along with the data necessary for potentially concluding this Agreement and its execution. By accepting the order, the User or Consumer simultaneously expresses consent to enter into the Digital Content Delivery Agreement.
Newsletter
An electronic service provided through the Platform, which allows interested individuals, including Users, to receive periodic information about CCFOUND's activities at the provided email address (with prior consent).
fvUSD
A term referring to a settlement unit functioning within the Platform, which is a Voucher of various purposes, entitling the holder to perform activities according to the information contained on the Platform and in these Terms and Conditions.
fvPLN
A term referring to a settlement unit functioning within the Platform, which is a Voucher of various purposes, entitling the holder to perform activities according to the information contained on the Platform and in these Terms and Conditions.
CCFOUND Voucher
A term referring to a settlement unit functioning within the Platform, which is a Voucher of various purposes, entitling the holder to perform activities according to the information contained on the Platform and in these Terms and Conditions.
Voucher of Various Purposes
A voucher of various purposes referred to in Article 2 point 44 of the Act of March 11, 2004, on Goods and Services Tax, constituting one of the methods of settlement within the Platform (Prices) under the terms and conditions specified in these Terms and Conditions; purchased and delivered to Users based on the provisions of separate documents.
Teleinformatics System
A set of cooperating IT devices and software, ensuring the processing and storage, as well as the sending and receiving of data through telecommunication networks using an appropriate end device for the given type of network.
Providers
External entities that provide or may provide additional services and content on the Platform.

III. ACCESS AND USE OF THE PLATFORM

Availability of the Platform
The Platform is available to all Users with an internet connection. To use the Platform, the User must correctly enter the website address and launch it on their device that supports the IT System. Services using the Platform are provided 24 hours a day, 7 days a week, at the request of the User, by launching the Platform and using the Services.
Limitations
Use of the Services may be subject to territorial restrictions. The Provider offers access to the Services in accordance with local laws. The Provider does not allow Users from jurisdictions such as Cuba, Iran, Israel, Iraq, North Korea, Sudan, South Sudan, Syria, Pakistan, Nigeria, India, Indonesia, and Benin to use the Services. The Provider reserves the right to choose, limit, or refuse the provision of services in a specific jurisdiction at any time. The Provider also has the right to temporarily or permanently cease or limit the provision of Services without prior notice to Users. In particular, the Provider is entitled to carry out maintenance work aimed at restoring the security and stability of the IT System. The User has no claims related to the interruption or cessation of the provision of Services by the Provider.
Rules for Using the Platform
Users are required to use the Platform in a manner compliant with applicable law, the Terms and Conditions, the rules of services, and the regulations of the Providers, as well as the principles of social coexistence, including the general rules of using the internet and websites, while respecting the rights of third parties and the Provider. In particular, the User is obliged to use the Platform in a manner that does not disrupt its operation, is not burdensome to other Users and the Provider, and respects the personal rights of third parties (including the right to privacy) and any other rights they may have. Additionally, the User is obliged to use any information and materials provided through the Platform only within the scope of permitted use and any licenses.
Prohibited Content
The User is obliged not to provide unlawful or offensive content, content that violates the personal rights of third parties, calls for committing a crime, as well as vulgar statements and advertising content without the prior consent of the Provider. Users are required to promptly notify the Provider of any violations of their rights in connection with the use of the Platform.
Consequences of Violations
If it is found that the User engages in activities prohibited by law or the Terms and Conditions, or violates the principles of social coexistence or infringes upon the legitimate interests of the Provider, the Provider may take all legally permitted actions, including restricting or preventing the User's access to the Platform and the Services provided through it.
External Services and Content
The Provider, including in cooperation with Providers, may make additional services and content available to Users on the Platform. The rules for providing electronic services within these services are specified in the individual regulations of these services. Use of additional services and content requires familiarization with and acceptance of their regulations. In the event of a conflict between the Terms and Conditions and the regulations of additional services and content, the provisions of the respective service regulations apply. In matters not regulated in the regulations of individual services, the provisions of these Terms and Conditions apply.

IV. USER ACCOUNT AND CONCLUSION OF THE AGREEMENT

Users
The Agreement in terms of registration of the User Account may be concluded by adults, legal entities, and other organizational units to which separate regulations grant such a possibility. The age of majority is determined by the law of the country from which the User originates, with the minimum age for an individual set at 18 years. The Provider's services also include enabling browsing of the Platform in parts visible to persons without a User Account.
Agreement
By performing any actions on the Platform, the User hereby declares that they have read these Terms and Conditions and other documents visible or available through the Platform, and that they accept their content in full and without any reservations. During the registration of the User Account, an agreement for the provision of electronic services is concluded between the Provider and the User. The Agreement is concluded for an indefinite period.
User Account
Registration of a User Account takes place solely through the internet. The User is obliged to provide the required information contained in the registration form on the Platform. A User Account can also be created by linking the Account to their wallet (e.g., Metamask), according to the information available in the Account registration form. The Provider is not liable for the consequences arising from third parties obtaining the password to the User Account. The User may only have one User Account on the Platform.
Closure of the User Account
Both the User and the Provider have the right to terminate the agreement for the provision of electronic services at any time without giving reasons. By terminating the agreement, it should be understood as the closure of the User Account. The termination of the agreement is effective upon the closure of the Account by the User. The Provider reserves the right to terminate the agreement for a valid reason immediately, particularly in the event of a violation of significant provisions of these Terms and Conditions by the User, which primarily include the dissemination by the User of information contrary to these Terms and Conditions or the principles of social coexistence.
User Declarations
The User fully accepts the provisions of these Terms and Conditions without reservations or additions, and acknowledges and accepts that the Provider does not guarantee the User that the use of the Platform or its functionalities (including available Products) will yield the expected results, outcomes, or economic or financial benefits. Furthermore, in relation to all transactions carried out through the Platform, the Provider informs, and the User accepts, that the right to withdraw from the agreement is excluded due to the provision of digital content, as well as making payments in virtual currencies that are linked to the financial market, over which the Provider has no control, resulting in the volatility of their (virtual currencies) prices.

The User also declares that when acquiring fvUSD or fvPLN, they act on their own behalf and for their own benefit. The User acknowledges and accepts that fvUSD and fvPLN are not:

1) a named document, for order, or issued to bearer, as well as a financial instrument and participation unit or investment certificate within the meaning of applicable national laws in the location of CCFOUND;

2) a retail collective investment product within the meaning of Article 4 of the European Parliament and Council Regulation (EU) No. 1286/2014 on key information documents for retail collective investment products and insurance investment products (PRIIPs) and is not covered by legal regulations guaranteed by the state.

V. USER CONTENT

User Content
The Platform allows users to add posts, texts, photos, videos, links, and other files and information for public playback. "User Content" refers to all materials that the User uploads, publishes, or displays to others through the Platform. Therefore, the User acknowledges and accepts that these contents may be viewed by other third parties while using the Platform. The Service Provider may remove User Content suspected of being spam or violating the provisions of these Regulations, as part of the internally applicable judicial system functioning on the Platform.

The Service Provider is not responsible for content shared by the User. The Service Provider exercises due diligence in verifying content posted by Users and Creators; however, it cannot guarantee the proper authorization of the content published on the Platform or within the Products concerning the legality, truthfulness, or reliability of the content prepared by Creators. Using the content is solely at the User's risk.

2. Posting Content on the Platform and Granting Licenses

1) By uploading, publishing, or displaying User Content on the Platform, the User grants the Service Provider a non-exclusive, free license with no territorial limitations for all fields of exploitation, including but not limited to the use, copying, reproduction, processing, adaptation, modification, creation of derivative works, publishing, transmitting, storing, displaying, and distributing, translating, communicating, and publicly sharing, including in the context of automatic distribution such as application programming interfaces (also known as "APIs"). The User agrees that this license includes the Service Provider's right to share the User's content with other third parties, including Providers, for transmission, communication, and public sharing, distribution, or publication of the User's content on the Platform or through other third-party services or methods of distributing this User content.

2) The license specified in these Regulations also includes the rights of other Platform Users to use, copy, reproduce, adapt, modify, create derivative works, publish, transmit, display, and distribute, translate, communicate, and publicly share the User Content. Except in cases expressly stated in these Regulations, the license granted by the User does not grant the right to use automated technology to copy, send queries and responses, or collect questions and answers for the purpose of creating derivative works.

3) After publishing a response to a question, the User may edit or delete their response from public view on the Platform, provided that no one has previously added a comment or another response to that answer or question. However, CCFOUND may not be able to control the removal of an individual answer from public view on the Platform or in other services where that answer has been distributed. A published question may be edited or deleted at any time by the User who posted the question or by the Service Provider. Any changes made by the User may be visible to other users. The Service Provider's right to copy, display, transmit, publish, perform, distribute, store, modify, and otherwise use any question posted by the User, as well as to grant sublicenses for these rights to others, is irrevocable to the maximum extent permitted by generally applicable law, except for situations specified separately in these Regulations.

4) The User acknowledges and agrees that the Service Provider may retain User Content and may disclose User Content and related information if required by applicable law or for: (a) enforcing the provisions of the Regulations; (b) responding to claims that the User Content posted on the Platform infringes the rights of third parties; (c) detecting, preventing, or otherwise addressing issues related to fraud, security, or technical matters; or (d) protecting the rights, property, or safety of the Service Provider and the Users of the Platform.

5)The User agrees that the Service Provider may modify, adapt, or create derivative works from the User Content for transmission, display, or distribution across computer networks or other data transmission techniques using telecommunications, IT, and wireless networks on any medium.

6)The User also grants the Service Provider authorization to act as a non-exclusive representative to take action against unauthorized use of User Content by third parties outside the Platform.

7) The Service Provider may remove or refuse to publish User Content at any time, in whole or in part.

User Responsibility
By publishing their content on the Platform, the User represents and warrants that: (a) they own the rights or have obtained all necessary licenses or permissions to use the content and grant the Service Provider the right to use the User Content in accordance with the provisions of these Regulations, and (b) the published User Content does not infringe on the intellectual property rights or personal rights of third parties or applicable laws. The User assumes full responsibility for any infringements of intellectual property or personal rights of third parties or violations of applicable laws related to the content posted on the Platform. The User is responsible for ensuring that the content they publish does not violate these Regulations or any other published rules on the Platform or any other applicable laws. The User agrees to bear all licensing fees, pay royalties, and any other amounts due to any person for the User Content.

VI. USE OF fvUSD and fvPLN

fvUSD / fvPLN
As part of the activities performed on the Platform regarding the functionalities offered by the Platform itself or services of third-party sites (e.g., Metamask), the User has the opportunity to make settlements on the Platform using fvUSD or fvPLN under the terms specified in these Regulations.|
Purchase of fvUSD / fvPLN
The User can purchase fvUSD or fvPLN through the Platform, within their User Account, for use on the Platform. For this purpose, the User is required to provide all data necessary during the transactional process related to the purchase of fvUSD or fvPLN. The minimum amount that the User must purchase in a single transactional process has been set at 1 fvUSD or 1 fvPLN. The User may choose a larger amount by directly specifying the appropriate number in the transaction form. The User also declares that the funds intended for purchasing fvUSD or fvPLN come from legal sources.
Delivery of Purchased fvUSD / fvPLN
This occurs electronically through direct assignment to the User's Account. The delivery of the fvUSD or fvPLN purchased by the User will occur no later than 48 hours from the moment of making a correct payment, in accordance with the actions taken by the User. CCFOUND also indicates that in exceptional situations beyond its control, such as technical breaks, system failures, or events of broadly understood force majeure, the delivery of the fvUSD or fvPLN purchased by the User may be extended to a maximum of 14 days.
Exchange of fvUSD / fvPLN
The User can also exchange their fvUSD or fvPLN for funds expressed in virtual currency through payment operators cooperating with CCFOUND via the Platform, within their User Account. For this purpose, the User is required to provide all data necessary during the transactional process related to the exchange of fvUSD or fvPLN. The minimum amount that the User can exchange in a single transactional process has been set at 50 fvUSD or 50 fvPLN. The User may choose a larger amount by directly specifying the appropriate number in the transaction form. In the case of a payout in USD to a bank account, a fee of $10 will be charged. For payouts in USDC to a wallet, a fee of 1% of the transaction value and network fees will be charged. The User acknowledges and accepts that the amount of these fees may change at the sole discretion of the Service Provider. The Service Provider reserves the right to exchange the deposited fvUSD or fvPLN of the User through the same method used for the deposit.
Settlement Value
The User acknowledges that the settlement unit for the acquisition of fvUSD or fvPLN are virtual currencies or traditional currencies, as determined each time by third parties or services of those third parties. In the case of exchanging fvUSD or fvPLN, the User acknowledges that the settlement unit is exclusively virtual currencies. CCFOUND generally collaborates with the following payment operators in the context of transactions involving the purchase or exchange of fvUSD or fvPLN:
1) PayU (www.payu.com), operating through PayU S.A. based in Poznań, at ul. Grunwaldzka 186, entered into the register of entrepreneurs of the National Court Register kept by the District Court Poznań – Nowe Miasto and Wilda in Poznań, VIII Commercial Division of the National Court Register under the KRS number: 0000274399, NIP number: 7792308495, REGON: 300523444, share capital 4,944,000 PLN, paid-in capital 4,944,000 PLN, providing payment services within the meaning of the Act of August 19, 2011, on payment services. The regulations are available at: https://poland.payu.com/dokumenty-prawne-do-pobrania/ or directly at https://payu.com/. Within PayU, the User also has the opportunity to use functionalities offered by PayU, including:
a) Google Pay (www.pay.google.com);
b) Apple Pay (www.apple.com/apple-pay);
c) Coinbase Commerce (www.commerce.coinbase.com).
CCFOUND reserves the right to change, add, remove, or modify individual payment operators and also reserves the right to directly accept payments from the User (e.g., bank transfer) for a given transaction. CCFOUND indicates that individual payment providers (operator/s indicated above) may charge a commission for transaction handling according to their regulations. In every case of payment using individual payment providers, the User or Consumer is obliged to accept the payment conditions under a separate regulation for the provision of electronic services provided by that payment provider.
Use of fvUSD / fvPLN
The User obtains the opportunity to use their fvUSD or fvPLN through the Platform, according to the information indicated directly on the Platform. Generally, the User can use their fvUSD or fvPLN in the following ways:
1. PAYWALL:
  The User may use fvUSD or fvPLN to unlock access to paid content on the Platform. In this case, the User is obliged to provide in the transaction form a specified amount of fvUSD or fvPLN for access to a particular paid content on the Platform. When the content is unlocked by the User transferring fvUSD or fvPLN, the balance of their fvUSD or fvPLN is appropriately reduced, in accordance with the messages displayed in the transaction window.
2. PAID QUESTION:
  The User can post a so-called paid question on the Platform using functionalities offered by CCFOUND. In this situation, the User specifies in the form for posting a paid question a certain amount of fvUSD or fvPLN they intend to allocate (as a transfer) to obtain an answer to their question. The specified amount of fvUSD or fvPLN by the User asking the question will be divided among other Users who provide answers to that question based on the number of likes they receive (according to an internally applicable algorithm).
3. DONATE:
  The User can donate a specified amount of fvUSD or fvPLN to another User in the form of a so-called donation (as a transfer). The purpose of this solution is to reward another User by a person who has a certain amount of fvUSD or fvPLN in their Account.
4. OFFER - PAY ME FOR ANSWER (PM4A):
  The User has the opportunity to make an offer to provide a paid answer to a asked question. In this case, the User making the offer is obliged to specify the cost of the answer, the validity period of the offer, and how long the answer will take. The User making the offer provides the answer only after the offer has been accepted by the User asking the question or another who wants to obtain an answer to the asked question. If the offer is accepted, the funds are blocked in CCFOUND's technical wallet, and the User making the offer provides the answer within the time specified in the offer. If the answer is satisfactory, the User who paid for the offer has 72 hours to confirm the answer, and the User providing the answer receives payment reduced by a commission fee. If the answer is unsatisfactory, there is an option to request clarification of the answer. After the answer is provided by the User making the offer and paid for, their answer is visible to all Users.
Fee
CCFOUND charges a fee of at least 0% (zero) for each transaction made on the Platform and 1% (one) of each transaction made on the Platform for the costs incurred by CCFOUND for the payment processor, to which the User hereby agrees. Details regarding specific functionalities are defined each time on the Platform. The User has the opportunity to familiarize themselves with these functionalities and their terms at the moment of making a given action. At the moment of a transaction made by the User, the balance of their fvUSD or fvPLN is irrevocably reduced (as a transfer). This process is carried out automatically, with no possibility of change or modification. The User acknowledges and accepts that all transactions regarding the acquisition, transfer, exchange, or donation are final, and there is no possibility of refund for a given transaction.
Verification
CCFOUND or cooperating entities (e.g., payment operators) may verify the User in the scope defined by the applicable international laws on anti-money laundering and financing terrorism (AML) in connection with actions taken by the User regarding the acquisition or exchange of fvUSD or fvPLN. According to legal requirements, the entity performing such verification may repeat it in the event of statutory conditions, including according to the internally applicable security procedure.
Fees
Fees for using fvUSD or fvPLN are defined each time by third parties or services of those third parties in the context of a transaction made by the User. The User agrees to bear all necessary fees related to the use of fvUSD or fvPLN on the Platform, including those for their purchase or exchange, according to the information provided by the relevant payment operator.
Security
The User is obliged to protect all passwords, logins, and data enabling access to fvUSD or fvPLN, the User Account, or the wallet (e.g., Metamask) from access by third parties. Any consequences arising from third parties gaining possession of passwords, keys, or other data enabling access to the data or funds belonging to the User do not incur liability on the part of the Service Provider.
Exchange of fvUSD or fvPLN - virtual currency
If the User exchanges fvUSD or fvPLN for virtual currency, CCFOUND does not guarantee that the User will achieve the same or higher market value in comparison to the value of virtual currency at the moment of exchange.
Suspension of Transactions
CCFOUND reserves the right to suspend or block the User's transactions or access to their Account due to reasons related to violations of applicable laws, suspicion of money laundering, financing of terrorism, or violation of these Regulations.

14. The Reward
Consists of granting additional fvUSD or fvPLN to the User holding fvUSD or fvPLN for engaging in certain activities on the Platform. An Active User is defined as a person participating in the community on the Platform by adding questions, articles, providing answers, selling Products, and being active in groups.

The assessment of the User's activity will be conducted monthly based on the increase in their reputation. The User will receive the Reward if their reputation increases by at least one point. To achieve an increase in reputation, the User must provide valuable content on the Platform at least once a month, in accordance with these Regulations (including, but not limited to, content that is not spam intended to simulate activity on the Platform). In the case of providing such content, the User's reputation will increase by at least one point.

The distribution of the Reward in the form of additional fvUSD will occur automatically on the first day of the month, based on the User's reputation from the previous month.

VII. USE OF CCFOUND VOUCHERS

CCFOUND Voucher
As part of the activities carried out on the Platform regarding the functionalities offered by the Platform itself, a User holding CCFOUND Vouchers gains the ability to make settlements on the Platform using CCFOUND Vouchers under the conditions specified in these Regulations.
Delivery of Acquired CCFOUND Vouchers
The delivery occurs electronically by directly assigning the vouchers to the User's Account based on separate documents between CCFOUND and the User.
Disposition of CCFOUND Vouchers
A User holding CCFOUND Vouchers is entitled to dispose of the Vouchers within the Platform to purchase specific Products available on the Platform provided by the Seller. The price expressed in CCFOUND Vouchers is determined solely by the Seller. At the same time, CCFOUND indicates that the use of a CCFOUND Voucher may occur either in full or in part towards the Price of a given Product, in accordance with the information provided on the card of that Product made available by the Seller.
Properties of CCFOUND Vouchers
The User hereby acknowledges and accepts that:
1. The Voucher is intended solely for settling the Price of a given Product, according to the conditions specified by the Seller on the product card. Under no circumstances shall the Voucher entitle the holder to request an exchange for any other value, expressed in particular in PLN (or any other similar currency), in any case, including in the event of the closure of the User's Account;
2. CCFOUND Vouchers are indefinite (i.e., they do not have an expiration date within which they can be used to purchase specific Products on the Platform (Marketplace). Whether the Vouchers are used is at the User's sole discretion;
3. CCFOUND is not responsible for the loss of access to the CCFOUND Vouchers held by the User unless the loss occurred solely due to the fault of the Platform Service Provider. In the event of a loss of access by the User to their CCFOUND Vouchers due to the fault of the Service Provider, the Service Provider will return the appropriate number of Vouchers to the User within 30 working days from the date the User reports the loss of access and documents the fault of the Service Provider in this regard;
Security
The User is obliged to protect all passwords, logins, and data allowing access to the CCFOUND Vouchers from third-party access. Any consequences arising from third parties gaining possession of passwords, keys, or other data enabling access to the CCFOUND Vouchers belonging to the User do not incur liability on the part of the Service Provider.
Taxation
The User is obliged to determine how and under what law taxation will occur in connection with the use of CCFOUND Vouchers using the Platform (purchase or exchange) and is also obliged to pay taxes to the relevant tax authorities for that User. The Service Provider is not responsible for the User's incorrect tax settlements in any way.
Reward – Terms and Method of Receipt
The Reward consists of granting additional CCFOUND Vouchers to the User holding CCFOUND Vouchers for engaging in specific activities on the Platform. An Active User is defined as a person participating in the community on the Platform by adding questions, articles, providing answers, selling Products, and being active in groups.

The distribution of the Reward in the form of additional CCFOUND Vouchers will occur automatically on the first day of the month, based on the User's reputation from the previous month.

VIII. MARKETPLACE AND SALE OF PRODUCTS

Marketplace Service
The Service Provider provides a tab under which the Seller, based on a license obtained from the Creator and due to the services provided by them, publishes advertisements for paid Products in the form of training sessions, e-books, electronic courses, audiobooks, access to paid groups (access to groups run by a given Creator), and other similar items. The conclusion of the Digital Content Delivery Agreement occurs after the User or Consumer submits an Order. For this purpose, the User or Consumer is obliged to provide all data, including personal data, required during the transactional process related to the payment of the Price for the purchase of the individual Product.
Basic Conditions for Purchasing Products
Purchasing Products from the Seller is only possible if the User or Consumer has a User Account. If the User does not have a User Account before making a purchase, they will be asked to register and create a User Account. After successful registration, the User or Consumer can purchase the offered Products directly from the Seller via the Platform (within the Marketplace) and use them either through the Platform or outside of it if such an option is provided in the Product. The main features of the service concerning each Product are specified on the Product's card or in another appropriate way for that Product. The Seller reserves the right that the Product may be delivered only electronically (online using the Internet). Depending on the Product, it can be purchased by paying the Price once, as well as in the form of a subscription (Subscription). In particular, in the form of a Subscription, it is possible to gain access to a paid group run by the Creator.
Placing an Order
The Seller allows the User or Consumer to place an Order in the following way:
1) The User or Consumer adds the selected Product or Products to the cart maintained within the User Account and then proceeds to the Order summary form, summarizing the value of all selected Products;
2) In each of the above cases, the User or Consumer is required to provide the necessary data to fulfill the Order by the Seller;
3) During the Order placement, the User or Consumer has the option to self-correct the selected Products;
4) Subsequently, the User or Consumer selects the payment method for the Price and any other indicated total costs in the Order form;
5) Depending on the chosen payment method, the User or Consumer may be redirected to the pages of an external payment service provider to make the payment;
6) The total value of the Order includes the Price of the Product or Products and other costs. The User or Consumer is informed about the total Price and any other costs incurred in connection with the fulfillment of the Order during the Order placement.
Conclusion of the Agreement
The Digital Content Delivery Agreement is concluded upon confirmation of the offer, i.e., upon the User or Consumer receiving a message on the Platform or an email from the Seller at the email address provided, confirming the placement of the Order.
Subscription
CCFOUND, at the explicit request of the User, provides the option of making recurring payments (according to the conditions specified for a given Product) for access to that Product via the Platform. The conditions for activating the Product for the User are specified each time by the payment operator (Provider). The collection of subsequent payments related to the User’s purchase of the Product will occur periodically according to the selected plan, to which the User hereby consents. The Creator may allow the purchase of a monthly, quarterly, or annual subscription.
A Subscription can only be purchased through the transfer of fvUSD or fvPLN from the User to the Seller. fvUSD or fvPLN can be purchased directly when purchasing a Subscription or can be purchased separately on the Platform and then used to buy the Subscription. The User should ensure that, by the payment date, sufficient funds are available in their User Account to pay for the Product.

Activation of the Subscription occurs when the User logs into the Platform. The User has the option to cancel the Subscription at any time and use the available fvUSD or fvPLN to purchase other Products available on the Platform. During the purchase of a Subscription, the User receives an accounting note from the Seller, followed by monthly VAT invoices for the use of a specified amount of fvUSD or fvPLN.

6. Payment Method
Purchasing Products is possible using traditional currencies (PLN, USD, and others currently supported by the Platform) or vouchers for various purposes, in accordance with the conditions specified in these Regulations. The User or Consumer purchasing a Product will receive an accounting document (VAT invoice or other equivalent) from the Seller for the amount of the Price corresponding to the billing unit for which the Product was purchased. In the case of payment in traditional currency, the transaction data, including personal data related to the transaction, is transmitted directly by the User or Consumer to external Providers (payment operator) through which the payment for the Product is made. The list of external payment Providers through which the User or Consumer can pay the Price to the Seller includes:

1) PayU (www.payu.com) operating through PayU Spółka Akcyjna based in Poznań, at ul. Grunwaldzka 186, entered into the register of entrepreneurs of the National Court Register maintained by the District Court in Poznań – Nowe Miasto and Wilda in Poznań, VIII Commercial Division of the National Court Register under KRS number: 0000274399, NIP number: 7792308495, REGON: 300523444, with a share capital of 4,944,000 PLN, paid-in capital 4,944,000 PLN, being a payment service provider under the Act of August 19, 2011, on payment services. The regulations are available at: https://poland.payu.com/dokumenty-prawne-do-pobrania/ or directly at https://payu.com/. Within PayU, the User can also use functionalities offered by PayU within, among others:

a) Google Pay (www.pay.google.com);
b) Apple Play (www.apple.com/apple-pay);
c) Coinbase Commerce (www.commerce.coinbase.com/).

The Seller reserves the right to change, add, remove, or modify specific payment operators, as well as the right to accept direct payments from the User or Consumer (e.g., bank transfer) for a given transaction in the context of the Price transfer. At the same time, the Seller indicates that individual payment Providers (the payment operator(s) indicated above) may charge a commission for handling the transaction in accordance with their regulations. In each case of payment using individual payment Providers, the User or Consumer is obliged to accept the payment conditions under a separate regulation for electronic service provision provided by that payment Provider.

7. Recurring Payment within the Subscription
As part of purchasing a Product under the Subscription model, the User acquiring the Product makes recurring payments during the chosen subscription period (monthly, quarterly, or annually). The conditions for this payment are as follows:

1) The User interested in purchasing the Product is informed that the given Product is available for purchase under the Subscription model, and in this case, periodic fees will be charged during the chosen Subscription period (e.g., monthly).

2) The User must express consent for recurring payments to be deducted to purchase the Product under the Subscription. The consent states that the User can cancel the recurring payments at any time.

3) No later than at the time of purchase, before expressing the above consent, the User is informed about:

a) the expiration date of the Subscription;
b) the total Price covering all payments for the billing period, and when:

- the Subscription provides a fixed rate - also the total monthly payment;

- objectively assessing the nature of the service does not allow for the calculation of the Price - providing information on how the fees will be charged.

4) In case of refusal to authorize the recurring payment and cancellation of the payment, the User is informed of this fact. The Seller may then retry to charge the User's Account a maximum of once daily for the next 31 days. In the process of retrying subsequent attempts, the Seller may inform the User of this fact.

5) The User can submit complaints regarding recurring payments on the Platform under general terms.

6) Details of complaints regarding recurring payments processed by the payment operator PayU (www.payu.com) are specified in section IX, subsection 7 of these Regulations.

8. Access to Products
The User Account allows the User or Consumer to browse purchased Products and access materials visible after logging in. Using the services offered by the Seller is only available to individuals with full legal capacity.

9. Lack of Product Availability
If the Seller is unable to accept all or some Orders, the Seller will contact the User or Consumer to inform them of the situation. In such a case, the User or Consumer will independently choose between the following solutions. Canceling the Order by the User or Consumer automatically relieves the Seller of the obligation to fulfill it:

1) The User or Consumer may accept the fulfillment of the Order by the Seller in the part specified by the Seller; or

2) may completely cancel the placed Order.

10. Promotions on Products
The Seller reserves the right to conduct promotional campaigns for specific Products, including reducing the price of a given Product. If necessary, the Seller will provide a separate regulation for the User or Consumer defining the rules for conducting the specific promotional campaign. In such a case, the provisions of the given promotional campaign regulation take precedence over the provisions of these Regulations. If a dedicated regulation is not published, the provisions of these Regulations apply.

11. Delivery of Products

1) The Seller does not impose any territorial restrictions, except for those specified in point III sec. 2 of these Regulations.

2) The delivery of purchased Products in electronic form (courses, video materials, e-books, audiobooks) takes place solely via electronic means by directly assigning individual Products to the User's Account or in another manner indicated on the Product card.

3) Delivery occurs immediately, no later than within 24 hours from the moment the Price is correctly transferred to the Seller, with the simultaneous reservation of the possibility of extending this deadline by the Seller in case of reasons beyond their control, such as technical breaks, system failures, or the occurrence of broadly understood force majeure, up to a maximum of 7 days.

4) Upon logging into the User's Account, the digital content constituting the video materials or online courses within the Product is considered delivered in full.

12. Limitation of Product Availability

1)The Seller reserves the right to limit the availability of a specific Product, indicating visibly on the Platform (within the Marketplace) or during the Order process when the given content will be available (e.g., you will receive access no later than the specified date). In such a situation, the delivery date for the Product, as indicated in subsection 9 above, is counted from the date the specific Product becomes available.

2) The Seller reserves the right to temporarily limit Products in accordance with the information contained in the description of the given Product (e.g., monthly access, annual access, etc.). In such a case, after the specified period, the User or Consumer will lose access to the purchased Product unless, before the expiration of the specified period, the appropriate payment is made to transfer the Price for this Product to the Seller (provided it is still available for the next period).

3) If access to a specific Product is granted for an indefinite period, the Seller may decide to revoke access to that specific material.

13. Reservations
The User or Consumer is obliged to use the Marketplace, including in particular the purchased Products, in accordance with applicable law, these Regulations, and good practices, and in particular is obliged to:

1) use the Platform in a manner that does not disrupt its use by third parties, particularly, but not exclusively, by using malicious software;

2) use the Platform in a manner that does not violate any rights, goods, or interests of third parties, and does not negatively affect the functioning of the Platform;

3) not disclose access data to their User Account to any third parties;

4) not distribute the purchased Products in whole or in part, without the prior consent of the Seller, and not to copy the Products in any part.

14. Seller's Liability and Limitations

1) The Seller's liability for improper performance of the Agreement is limited to the equivalent of the fee (Price) paid by the User or Consumer for the specific Products or the billing period during which the event that forms the basis of the claim occurred.

2) The User or Consumer acknowledges and accepts that the Seller may change the scope of the Product at any time during its duration (including, in particular, but not exclusively, the name of the Product or other non-essential information). If the User or Consumer does not accept such a change, they may close their User Account, but they will not acquire any claims against the Seller, including, in particular, the right to withdraw from the concluded Digital Content Delivery Agreement.

15. Exclusion of the Right to Withdraw from the Agreement
The Seller informs, and the User or Consumer accepts, that the right to withdraw in relation to Digital Content Delivery Agreements concerning any electronic Products is excluded based on Article 38, paragraph 1, points 1, 2, and 13 of the Act of May 30, 2014, on consumer rights, due to the delivery to the User or Consumer of digital content that is not stored on a tangible medium and which is also related to the financial market over which the Seller does not exercise control, resulting in high price volatility in these markets, as well as immediate access to them.

IX. CREATORS AND PRODUCT AVAILABILITY BY THE SELLER

Creator
The User, through the Platform within the Marketplace tab (https://ccfound.com/marketplace/ or another to which the Platform currently redirects), has the opportunity to provide the Seller with a ready Product under an end-user license, along with an electronic service if such is present, for the purpose of selling this Product by the Seller on the Marketplace in accordance with the conditions specified in these Regulations. Based on this, the Creator obtains the right to receive remuneration from the sale of the given Product on the Marketplace. The Creator is obliged to specify the Product Price, including in particular to indicate the billing unit, in accordance with point II paragraph 11, at the moment of providing the Seller with the ready Product. Settlement with the Creator for the sold Products on the Marketplace will occur according to the billing unit that the Creator indicated as the Product Price. It is possible to indicate several billing units, subject to the effects indicated in paragraph 2 point 6 below.
Creator’s Declarations
1) The Creator is obliged to provide services in preparing Products with the utmost care required from professional entities.
2) The Creator declares that they possess the appropriate competencies and experience necessary to prepare the Product and make it available to the Seller in accordance with the provisions of these Regulations.
3) The Creator declares: (a) they have the ability to enter into an agreement with the Seller in accordance with these Regulations; (b) they are not aware of any factual or legal circumstances that may result in the nullity of the agreement with the Seller; (c) when delivering the Product, the Creator will take all actions that may be required to fulfill the specified obligations and will act in good faith; (d) all statements and declarations made to the Seller will be accurate, reliable, and true.
4) The Creator declares that the preparation of the Product, nor the execution of any legal or factual actions related to the Product, does not require and will not require any permits or consents obtained by any entities or third parties, except for requirements imposed by generally applicable law. In such a case, the Creator is obliged to provide the Seller with the necessary documents, including in particular the appropriate licenses, concessions, or permits.
5) The Creator undertakes to consider any comments and suggestions from the Seller regarding the given Product, if such arise.
6) The Creator hereby grants the Seller authorization to issue on their behalf the appropriate document (invoice or receipt, including VAT invoice) based on which settlement will be made with the Creator for the sold Products on the Marketplace. At the same time, the Creator declares that they undertake to include such issued documents in their accounting (including to record the document in the conduct of their business). The Seller reserves, and the Creator hereby accepts, that in the case of indicating several billing units or billing addresses regarding a given Product, the Seller will issue the appropriate accounting document (invoice or receipt, including VAT invoice) for each billing unit and billing address (to be understood, for example, as the bank account number for settlement; hereinafter also referred to as: "billing address").
7) The Creator is responsible for the correctness of the data provided regarding the billing address, under the pain of the Seller withholding funds owed to the Creator until the Creator completes the data required by the Seller or payment operators.
8) As part of the billing address, the Creator is obliged to provide the Seller with the account number (IBAN and SWIFT, bank name, and any other necessary information needed by the Seller for settlement with the Creator) to which the funds obtained from the sale of Products will be transferred. The funds referred to in the preceding sentence will be paid in US dollars (USD). If the Creator indicates a bank account number in another currency, then the Creator will, in every case, bear the costs and bank charges as well as exchange rate differences for transferring funds by the Seller to an account other than in US dollars (USD). In such a situation, the Creator does not acquire any claims against the Seller.
9) The Creator simultaneously acknowledges and agrees that they may change the billing unit comprising the Price for a Product already introduced for sale in the Marketplace, including by adding, removing, or replacing the available billing unit. The changes mentioned above may be made by the Creator within the User Account, in accordance with the functionality of the Platform. Making changes regarding the way the Price is settled will involve the necessity for the Creator to provide new data regarding the billing address concerning the given Product. Indicating the previous billing address is permitted. If the Creator does not indicate the billing address in connection with the change of the billing unit as mentioned above, the Seller will be entitled to withhold funds owed to the Creator until the Creator provides the necessary data required by the Seller (or other payment operators) in accordance with these provisions.
10) The Creator acknowledges and accepts that there is no possibility to list the Product for sale on the Platform if the Creator has not provided the Seller with the data for issuing a VAT invoice to ensure proper settlement for the sale of Products.
11) The provisions of these Regulations relating to the User also apply to the Creator, except in cases where separate provisions are provided for the Creator.
Granting the Seller an end-user license
In order to make the Product available for sale on the Marketplace, the Creator undertakes to grant the Seller a limited non-exclusive license for the Product for its availability on the Platform (Marketplace), within the scope specified in these Regulations. The end-user license is granted for an indefinite period. Termination or dissolution of the agreement with the Seller may only occur after proper settlement of remuneration between the Creator and the Seller, with the following stipulation:

In the case where the Product to which the end-user license has been granted has been purchased by at least one User or Consumer, the termination or dissolution of the agreement with the Seller does not result in the termination of the granted end-user license. In such a situation, the end-user license between the Seller continues to apply regarding the availability of this Product on the Platform for Users or Consumers who have purchased the Product prior to the termination of the agreement with the Seller. However, in such a case, the Seller will not be able to sell the Product to other (new) Users or Consumers.
In the case where the Product to which the end-user license has been granted has not been purchased by any User or Consumer, termination or dissolution of the agreement with the Seller occurs after proper settlement between the Creator and the Seller.
At the same time, the Parties declare:

1) The Seller is entitled to use the Product solely for the purpose of conducting business activities and for internal business purposes concerning the availability of the Product on the Marketplace on the Platform.

2) The Seller has no right to further share, resell, assign, transfer, distribute the end-user license, and grant sublicenses to third parties.

3) The Seller has no right to make any changes or modifications to the Product.

4) The remuneration specified below in paragraph 4 also constitutes remuneration for the Creator for granting the end-user license to the Seller.

4. Settlement with the Seller
Due to the effective sale of the Product on the Marketplace, resulting in the transfer of the Price to the Seller, in accordance with the provisions of these Regulations, the Creator is entitled to remuneration:

1) The Seller charges a commission of 20% of the value of the sold Product on the Marketplace. The commission is automatically deducted from the Creator at the moment of payment made by the User or Consumer in connection with the Order and the transfer of the Price.

2) The remaining part – 80% of the value of the Product constitutes the remuneration of the Creator for granting the end-user license for the Product along with the electronic service (if such service is present).

3) At the same time, the Seller indicates that individual payment providers (the payment operator/s indicated in these Regulations) may charge a commission for handling the transaction according to their external regulations. The target value of this commission is 0.82% of the value of the individual transaction; however, this value may change. The Seller has no influence over the change in the commission charged by the external payment provider, and the Creator is obliged to verify it each time. This commission is entirely borne by the Creator.

4) Settlement between the Seller and the Creator occurs once a calendar month based on an automatically generated receipt or invoice, including VAT invoice through the Platform for the Seller, subject to point IX paragraph 2 of the Regulations.

5) Remuneration for the Creator for the sale of the Product under the Subscription model is settled monthly, regardless of the length of the purchased Subscription.

6) In the event of a purchase by the User of the Product under the Subscription model, concerning the possibility of canceling this Subscription at any time by the User, the Creator acknowledges and accepts that such cancellation results in the cessation of funds being transferred to the Creator from the moment of cancellation by the User.

X. NOTIFICATIONS AND COMPLAINTS

Contact with the Service Provider
All notifications related to the operation of the Platform and the provision of Services through it, as well as questions regarding the use of the Platform, should be directed to the Service Provider at the email address: [email protected].
At the same time, the Service Provider emphasizes that it is not responsible for the lack of access to services provided by Sellers or external Providers if it is caused by the User's violation of the previously accepted terms of service. In the case of submitting a complaint regarding training or ebooks provided by Sellers, the complaint will be considered jointly with the Sellers providing these services, which may lead to an extension of the time for its resolution.
Content of the Notification
The notification should include: User data, including contact details, the reason for the notification, a detailed description, and the grounds for the notification.
Consideration of the Notification
Within 14 days from the date of receipt, the Service Provider will consider the notification and inform the User of the outcome of its consideration. This period may be extended if the consideration of the complaint requires obtaining special information or if the Service Provider encounters other difficulties beyond its control or if additional information is necessary from the User. The response to the complaint will be provided by the Service Provider to the email address from which it was received. Sending a complaint electronically by the User is equivalent to consenting to receive a response from the Service Provider in electronic form.
Disputes
Any disputes that may arise under these Terms will primarily be resolved amicably through mutual arrangements between the User and the Service Provider. The User acknowledges and accepts that the amicable dispute resolution procedure is a suspensive condition that must be met before initiating any court proceedings. In such a situation, the User is obliged to contact the Service Provider according to the conditions described in this section of the Terms.

If the condition mentioned above is met and in the absence of an amicable resolution of the existing dispute, the provisions of these Terms will be resolved by the court competent for the current seat of the Service Provider. At the same time, the User acknowledges and accepts that disputes arising under these Terms may only be considered on the basis of the individual case of the User. The Service Provider is not obliged in any way to resolve disputes as collective cases or collective actions.

5. Reservations
The Service Provider reserves the right not to respond to complaints that are obviously unfounded, particularly where the complaint has already been previously considered concerning the given User.

6. Consumer
A User who is a Consumer has the right to use extrajudicial methods of handling complaints and pursuing claims. For this purpose, the User has the option to resolve disputes electronically through the EU online ODR platform available at http://ec.europa.eu/consumers/odr/.

7. Transmission of Information on Complaints Regarding Recurring Payments (Subscriptions)
In the case of complaints about recurring payments (Subscriptions) made through the payment operator PayU (www.payu.com):

1) Each refusal to acknowledge the Customer's complaint along with justification is communicated to PayU within 3 business days from the rejection of the complaint,

2) Each complaint requiring cooperation from PayU is communicated to PayU within 3 business days from the date of receipt.

XI. ADDITIONAL INFORMATION ABOUT SERVICES

Operation of the System
The Service Provider ensures the operation of the information technology system it uses in such a way that each User can freely terminate the use of Services at any time.
Cryptographic Techniques
The Service Provider ensures the operation of the information technology system it uses in a manner that prevents unauthorized access to the content of transmissions constituting electronic services, particularly through the use of cryptographic techniques.
Competent Entity
The Service Provider ensures the clear identification of the parties involved in the electronic service and exercises due diligence to assure the User of the competent entity offering the product or service available on the Platform.
Technical Risks
The Service Provider warns that using electronic services may involve technical risks typical of using information systems. Users should secure their electronic connections and devices against unauthorized access, particularly by installing antivirus software or other advanced security measures.
Function and Purpose of Software
Current information about the function and purpose of software or data that are not part of the content of the electronic service, introduced into the information technology system used by the User (such as cookies), is included in the Platform's Privacy Policy.
Minimum Technical Requirements
In order to use the electronic services provided through the Platform, the User must meet the following technical requirements necessary for cooperation with the Service Provider’s information technology system: possession of a device that allows internet access, a connection to the internet, having an up-to-date version of a browser that can display web pages, e.g., Internet Explorer, Firefox, Google Chrome, or Safari, with cookies enabled, supporting SSL encrypted connections and JavaScript, and having an active email account (i.e., email address) and, in some cases, having a cryptocurrency wallet (e.g., Metamask).
Diagnosing Issues
The Service Provider reserves the right to intervene in the technical structure of the User's Account to diagnose irregularities in the functioning of Services, and may make changes and in any other way affect the technical side of the User's Account in order to modify it or restore its proper functioning.
Detection of Issues
Upon detecting irregularities, the Service Provider may verify the User through KYC verification provided by Ondato.

XII. LIABILITY OF THE SERVICE PROVIDER

Obligations of the Service Provider
The Service Provider oversees the technical functioning of the Platform, ensuring its proper operation. However, the Service Provider does not guarantee the continuous availability of all features of the Platform or their flawless operation.
Limitation of Liability
The User uses the Platform voluntarily and at their own risk. The liability of the Service Provider for any damages arising from the use of the Platform, particularly due to its non-functioning, incorrect operation, or adherence to advice or information placed on the Platform by other Users, is excluded to the fullest extent permissible by law.

The Service Provider is not responsible for limitations or technical problems in the information systems used by Users' Devices that prevent or limit Users from accessing the Platform and the Services offered through it. The Service Provider is not liable for the User's dissatisfaction with the quality, performance, or accuracy of the Platform.

3. Service Interruptions
The Service may experience interruptions due to technical reasons. In such cases, the User has no claims related to the interruption or cessation of Services provided by the Service Provider. The provision of Services may be interrupted due to inadequate connection quality, damage or defects in telecommunication devices, power supply systems, computer equipment, telecommunications network failures, power outages, or any actions by third parties.

4. Blocking Access
The Service Provider has the right to block access to the Platform or certain functions in the event of irregularities in the use of the Platform, particularly circumstances that could cause harm to the User or the Service Provider. In such cases, the Service Provider is not liable for the temporary suspension of access to the Platform for the time necessary to eliminate the identified threats or irregularities.

5. Costs of Access to the Platform
Access to the Platform is free, subject to the costs of data transmission required to start and use the Platform, which the User is obliged to cover on their own. The Service Provider is not responsible for the amount of fees charged for data transmission necessary to use the Platform.

6. Right to Change the Regulations

1) The Service Provider reserves the right to change the Regulations at any time due to changes in the nature of the services provided or the technical conditions for providing those services, as well as in the case of:

a) changes in legal regulations directly affecting the content of the Regulations;
b) imposition of specific obligations by state authorities;
c) improving the operation of the Platform and user support;
d) enhancing the privacy protection of Users;
e) changes in the privacy policy;
f) preventing abuse;
g) security considerations;
h) editorial changes.

2) The content of the changes and information about the change in the Regulations will be sent to the User via email to the User's address provided on the Platform;

3) The User who does not accept the content of the changes to the Regulations retains the right to terminate the agreement at any time by requesting the deletion of the User Account.

XIII. COPYRIGHT AND INTELLECTUAL PROPERTY

Entitled Entity
All rights to the Platform, including copyright to the Platform and its individual parts, particularly to textual, graphic, multimedia elements, and programming elements that generate and manage the Platform, as well as industrial property rights and any other derivative rights, excluding content provided by Suppliers or Payment Operators, belong to the Service Provider.
Use of Content on the Platform
Transferring content contained on the Platform to third parties is permissible only by using the tools provided on the Platform specifically for this purpose. The User has no right to reproduce, sell, or otherwise introduce into circulation or distribute the source code of the Platform, in whole or in part, particularly to upload or share it in computer systems and networks, mobile application distribution systems, or any other information systems.
License
Upon using the Platform and accepting the Regulations by the User, CCFOUND grants the User a non-exclusive license to use the Platform to the extent that the User uses its Services. The license is non-transferable and is granted for the duration of the User’s use of the Platform in accordance with its intended purpose and in compliance with these Regulations.
The non-exclusive license granted to the User does not authorize the User to grant further licenses. Moreover, the User is not entitled to take actions that exceed the scope of the License.
Restrictions
Transferring content contained on the Platform to third parties is only permitted by using the tools included on the Platform in a manner intended for that purpose. The User has no right to reproduce, sell, or otherwise introduce into circulation or distribute the source code of the Platform, in whole or in part, particularly to upload or share it in computer systems and networks. In the event of non-compliance with these restrictions, the use of Services available through the Platform is prohibited, and CCFOUND may revoke the User's granted license. Furthermore, the User is responsible for any violations of the law. In no case may the User:
1) violate any provisions of generally applicable law, including intellectual property law;
2) engage in any actions against the community of Users of the Platform, employees of CCFOUND, CCFOUND itself, the purpose of the Services, or improperly use the Services; this includes the User not publishing, uploading, or sharing any information, photos, or videos that could be understood as prohibited content or content violating good customs or social coexistence principles;
3) modify or interfere with the Services, directly or indirectly, using cheats, exploits, automation software, bots, hacks, mods, or other unauthorized third-party software;
4) harm the Services, computers, and servers of CCFOUND and other Users, including, among other things, overloading servers, spreading viruses, gaining unauthorized access to Services or other data protected by CCFOUND, particularly personal data, manipulating Services and their rankings, or exploiting errors in the Services or modifying any files that are part of the Services without prior written consent from CCFOUND.

5. Violation of Rules
In the event of a User violating the rules of using the Platform or the conditions of the granted license, CCFOUND shall be entitled to block the User's access to the Platform (including closing the User Account) and revoke the granted license. In case of a violation, CCFOUND may take appropriate actions at its discretion, including, in particular, removing content published on the Platform by the User. The above does not affect the Service Provider's right to take other appropriate actions provided by law in connection with the committed violation.

Disclaimer: the given text is machine translated. The original language of the regulations is written in Polish, in case of disputes, the original will be taken into account.