I. General provisions

1. These Regulations set out the rules for the use of the Service Provider’s websites specified in the regulations, containing in particular information and materials on financial and insurance products.

2. The Service Providers within the Services are WESTERN SINGA LTD, KEMP HOUSE, 160 CITY ROAD, UNITED KINGDOM, LONDON, EC1V 2NX, UK and GÓRNICKI INVEST SP. Z O.O., ul. Reja 9 48-303 NYSA, PL hereinafter referred to as the CONSORTIUM.

3. Materials, information and data published on the Services do not constitute an offer of any services within the meaning of the Civil Code, in particular they do not constitute an offer submitted in electronic form. In addition, they do not constitute a recommendation to conclude an agreement with any insurance company, bank, television service provider, Internet access provider, electricity seller or financial or insurance intermediary, the subject of which will be financial and insurance products or any other products referred to on the Services.

4. All information sent via e-mail and other forms of transmission via the Internet is not confidential and may be subject to interference by third parties.

II. Definitions

1. Cooperating entities – means the entities indicated in Chapter III of the Regulations with which the Service Provider may disclose, with the consent of the Service Recipient, his personal data in order to submit an offer for the provision of services,

2. Website – the website published by the Service Provider, in particular:


and any other publisher of the Service Provider.

3. Service Recipient – any natural person who uses the Services in a manner consistent with the Regulations for the purposes indicated therein.

III. Provision of services by the Service Provider

1. The service provider may cooperate with entrepreneurs, in particular banks, financial intermediaries, insurance companies, television service providers, electricity sellers, Internet access distributors, travel agencies in presenting information about services provided by these persons.

2. The Service Provider may, with the express consent of the Customer, send to the Customer by means of electronic communication, in particular electronic mail, commercial information within the meaning of the Act on the provision of electronic services.

3. The websites may contain references to websites of the Cooperating Entities in a manner enabling the Service Recipient to contact the Cooperating Entity, in particular consent for the cooperating Entity to submit offers for the provision of services.

4. The service provider is not, as part of the services indicated above, an insurance intermediary, credit intermediary or consumer credit intermediary within the meaning of the relevant provisions. This reservation does not apply to activities included in brokerage, however, in this case, the Service Provider will clearly inform the Service Recipient about the nature of the services before using the brokerage offer.

5. The Service Provider is not responsible for the content of information on financial products and other services made available by cooperating Entities, as well as for other data presented on the websites of Cooperating Entities and other entities.

6. The Service Provider is not responsible for actions or omissions of cooperating Entities, in particular for:

  • offer content,
  • method of personal data processing by cooperating Entities,
  • manner of performance of the contract.

IV. Processing of personal data

1. The rules for the processing of Users’ personal data are set out in the privacy policy and information made available to the Service User when using individual services.

2. The Service Provider processes the following technological operational data regarding the Customers:

  • markings identifying the end of the telecommunications network or IT system used by the Customer;
  • information about the start, end and scope of each use of the Service,
  • information about the use of the Services by the Customer.

3. Using the Services may require the Service Recipient to agree to the Service Provider storing information, in particular small text files (so-called cookies), or access to stored files of this type on the Customer’s device. These files do not change the configuration of his computer, are not used to install or uninstall any computer programs, viruses or Trojans, they do not interfere with the integrity of the Service Recipient’s system or data, and may be removed by the Service Recipient at any time. The Service Recipient may refuse to grant consent by using the appropriate configuration tools in the web browser used.

4. The consent for the Service Provider to process the Customer’s personal data may include:

  • processing, in particular collecting, recording, storing, developing, sharing, transferring and deleting the Customer’s personal data by the Service Provider to the extent necessary to provide the Services,
  • processing, in particular collecting, recording, storing, developing, sharing and deleting the Service Recipient’s personal data by the Service Provider for marketing and statistical purposes,
  • processing, in particular collecting, recording, storing, developing, sharing and deleting the Service Recipient’s personal data for the purpose of advertising, market research as well as the behavior and preferences of service recipients with the purpose of the results of these tests for the purpose of improving the quality of services provided.

5. The Service Recipient may consent to the Service Provider using telecommunications terminal equipment within the meaning of art. 172 of the Telecommunications Act, by completing the appropriate form and ticking the indicated statements.

V. How to use the services

1. The Service Recipient may use the Services in a manner consistent with the provisions of law, these Regulations and in a way that does not violate the personal and property rights of others.

2. The Service Recipient is obliged to comply with the provisions of these Regulations. The Service Recipient using the Services may not in any way provide illegal content.

3. The Service Provider is not responsible for the use of the Services by the Customer in a manner contrary to the provisions of these Regulations, in violation of the law or the rights of third parties.

4. The Service Provider provides the Customer with free access to information and materials posted on the Services.

5. The Service Provider indicates that the presented calculations and statements are based on the developed methodology and cannot be a reference to statements prepared by other entities. The selection of an offer should be preceded by an in-depth analysis.

6. All information made available on the Services are not tax, legal, financial or investment consulting in any scope.

7. Information, advice, expert responses or any other information published on the Services does not constitute an official interpretation of the law.

VI. Copyright

1. The services as a whole, as well as the content layout, all materials, data and graphic elements contained therein are subject to the Service Provider’s rights and may be used by the Service Recipients only for the purposes for which they were intended.

2. Information and materials posted on the Services may be used by the Service Recipients for personal use only.

3. The Service Provider grants the Service Recipients a non-exclusive license to use information and materials only for purposes consistent with these Regulations and for the purpose of providing services.

VI. Complaints

1. Each Customer has the right to lodge a complaint related to the method of providing services, in particular the failure to perform or improper performance of the service by the Service Provider, as well as regarding:

  • manner or quality of service provision,,
  • website activities.

2. The Service User submits a complaint by e-mail, sending a message to the address office@westernsinga.com or by post, to the address of the Service Provider, indicating at the same time:

  • identification of the Service Recipient, in particular name and address,
  • determining the type of service being advertised,
  • circumstances justifying the complaint,
  • Customer’s claim.

3. The Service Provider shall consider the complaint without delay, but no later than within 30 days from the date of its submission, and then inform the Service Recipient about how to consider it.

4. The Service Recipient may use the out-of-court dispute resolution option by electronic means via the European Union ODR internet platform enabling the submission of complaints and redress related to the concluded contract, which can be found at: http://ec.europa.eu/consumers/odr/

5. Any disputes regarding the manner of providing services may be heard by common courts whose jurisdiction is determined by the provisions of the Code of Civil Procedure.

VII. Final Provisions

1. The Service Provider may, for important reasons, make changes to these Regulations. The regulations are changed by announcing its new content on the Website

2. Important reasons are in particular:

  • change of law,
  • extending the functionality of the Website, in particular the start of providing new services,
  • changing the way services are provided.

3. These regulations shall enter into force on June 1, 2018.