1. Scope of application
These General Terms and Conditions apply exclusively to the use of the website www.payfac24.pl and all associated subpages (hereinafter referred to as the "Website").

They do not apply to:
• factoring agreements,
• payment processing agreements,
• agreements with partners or merchants, or
• other contractual services provided by Payfac24.

Separate contractual provisions apply to such services.

2. Website provider
Payfac24 Limited Liability Company
Plac Jana Henryka Dąbrowskiego 1
00-057 Warsaw
Poland
E-mail: info@payfac24.pl
Website: www.payfac24.pl

3. Purpose of the website
The website serves the following purposes:
• providing general information about Payfac24,
• identifying payment charges for individual customers, and
• enabling contact between merchants and business partners.

The content provided on the Website does not constitute a binding offer or legal, tax, or payment advice.

4. No contractual relationship with end customers
Use of the Website does not create a contractual relationship between users and Payfac24.

In particular:
• Payfac24 is not a payment institution or an electronic money institution.
• Payfac24 does not act as a party to agreements concluded with end customers.
• No agreements are concluded, payments initiated, or notices of termination accepted via the Website.

5. Use of the Website
Use of the Website is free of charge and does not generally require registration.

Users agree to use the Website in a manner that:
• does not constitute abuse,
• complies with the law, and
• does not compromise the security or functionality of the Website.

6. Content and availability
Payfac24 makes every effort to ensure that the content is correct and up to date, but does not guarantee:
• correctness,
• completeness,
• timeliness,
• constant availability of the Website.

Payfac24 reserves the right to change, supplement, or delete content at any time.

7. External services and links
The website may contain links to external websites or third-party services (e.g., Microsoft Forms).

Payfac24 has no influence on their content and is not responsible for them.
The relevant terms of use and privacy policies of third parties apply.

8. Liability
Payfac24 shall only be liable for damages resulting from intentional acts or gross negligence, to the extent permitted by applicable law.

Liability is excluded for:
• indirect damage,
• lost profits, or
• damage of a purely financial nature.

9. Intellectual property
All content on the Website (text, logos, graphics, layout) is protected by copyright and trademark law.

Any use, reproduction, or distribution beyond the scope permitted by law requires the prior written consent of Payfac24.

10. Data protection
Personal data is processed in accordance with Payfac24's Privacy Policy, which forms an integral part of these GTC.

11. Applicable law and jurisdiction
Only the laws of the Republic of Poland shall apply, excluding the United Nations Convention on Contracts for the International Sale of Goods (CISG).

Any disputes related to the use of the Website shall be subject to the jurisdiction of the court for the registered office of Payfac24 in Warsaw, to the extent permitted by law.

12. Severability clause
If individual provisions of these GTC prove to be invalid or ineffective in whole or in part, the remaining provisions shall remain in force.

13. Changes to the Terms and Conditions
Payfac24 reserves the right to change these Terms and Conditions at any time.
The version published on the Website shall apply at all times.