Last Updated: 22 June 2026
By accessing or using the website cimivi-heviko.info (hereinafter "the Website"), you agree to be bound by these Terms of Use. If you do not agree, please discontinue use of the Website immediately. These terms apply to all visitors and users of the Website.
The Website is operated by Cimivi Heviko, based in Szczecin, Poland. It provides educational and informational content related to mindful spending habits, behavioral patterns, and financial awareness. All content is provided for general informational and educational purposes only.
Nothing on this Website constitutes financial advice, investment advice, or any form of personalised recommendation. Users are encouraged to seek qualified professional advice for their individual financial circumstances. The content is not a substitute for professional guidance.
All content on this Website, including but not limited to text, images, graphics, program materials, and design elements, is owned by or licensed to Cimivi Heviko 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, as amended) and applicable European Union intellectual property law.
You may view and download content for personal, non-commercial use only. You may not reproduce, distribute, publish, transmit, modify, or create derivative works without prior written permission from Cimivi Heviko.
You agree to use this Website only for lawful purposes and in a manner consistent with all applicable Polish and EU laws and regulations. Specifically, you agree not to:
(a) Use the Website in any way that violates applicable laws or regulations;
(b) Attempt to gain unauthorised access to any part of the Website or its infrastructure;
(c) Transmit unsolicited communications or attempt to interfere with the operation of the Website;
(d) Use automated tools to scrape, harvest, or extract content from the Website without permission;
(e) Reproduce or republish content from the Website for commercial purposes.
The Website and its content are provided on an "as is" and "as available" basis. Cimivi Heviko makes no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, reliability, or suitability of the content for any particular purpose. We do not warrant that the Website will be uninterrupted or error-free.
To the fullest extent permitted by applicable Polish law, Cimivi Heviko shall not be liable for any direct, indirect, incidental, consequential, or special loss or damage arising from your use of, or inability to use, the Website or its content. This includes without limitation any loss resulting from reliance on information published on the Website.
The Website may contain links to external websites. These are provided for convenience only. Cimivi Heviko has no control over and accepts no responsibility for the content, privacy practices, or availability of external sites. The inclusion of a link does not constitute endorsement.
Use of the Website is also governed by our Privacy Policy and Cookie Policy, which are incorporated into these Terms by reference. By using the Website, you acknowledge having read and understood those documents.
Cimivi Heviko reserves the right to modify these Terms of Use at any time. Changes take effect upon publication on the Website. The date at the top of this page reflects the most recent update. Continued use of the Website after changes are posted constitutes acceptance of the revised terms.
These Terms of Use are governed by and construed in accordance with the laws of the Republic of Poland, including the Polish Civil Code (Kodeks cywilny) and applicable European Union legislation. Any disputes arising from these Terms or your use of the Website shall be subject to the jurisdiction of the competent courts in Szczecin, Poland, unless mandatory consumer protection law requires otherwise.
For questions about these Terms, please contact: Cimivi Heviko, Księcia Świętopełka 5/6 8A, Szczecin, Poland. Email: [email protected]. Telephone: +48 731 350 244.