Skarbify is in closed beta — access by invitation only.
Skarbify
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Terms of service

Draft v0.1 (closed beta). Final wording pending attorney review before public launch.

1. General provisions

1.1. These Terms set out the rules for the provision of the Skarbify service by Marcin Rejdych, established at TBD before public launch, Tax ID: TBD before public launch (the "Provider").

1.2. The service is available at https://skarbify.pl (the "Service" or "Skarbify").

1.3. Contact with the Provider: rodo@skarbify.pl.

2. Definitions

  • User — a natural person with full legal capacity to whom the Provider has granted access to the Service.
  • Account — an individual account in the Service, identified by an email address.
  • Financial data — information about an investment portfolio, transactions, liabilities, financial goals and other data entered by the User.
  • Closed beta — the development stage at which access to the Service is restricted to invited testers.

3. Service status — closed beta

3.1. Skarbify is currently in closed beta. Access is granted exclusively to email addresses on the Provider's invite list.

3.2. During beta:

  • Service features may change, be limited or removed without prior notice;

  • the Provider does not guarantee continuous availability or data preservation in the event of infrastructure failure;

  • the Provider does not provide 24/7 technical support;

  • the Service may contain errors that cannot be foreseen or prevented.

    3.3. By using the Service during beta, the User knowingly accepts the elevated risk of data loss or service interruption characteristic of software under testing. Periodic export of data is recommended (the "Export my data" function in settings).

4. ⚠️ Skarbify does NOT provide investment advice or financial services

4.1. Skarbify is a tool for the User's own portfolio bookkeeping and auxiliary calculations. In particular, Skarbify does NOT:

  • provide investment advice within the meaning of the Polish Act of 29 July 2005 on Trading in Financial Instruments;

  • provide financial advice or investment recommendations;

  • provide portfolio management services;

  • act as an intermediary for executing brokerage orders;

  • maintain securities or cash accounts;

  • operate as an entity supervised by the Polish Financial Supervision Authority (KNF).

    4.2. All indicators, projections and calculations (including those relating to Belka capital gains tax, mortgage amortisation schedules, CPI-indexed treasury bond projections, portfolio yield) are solely an auxiliary tool based on data entered by the User and publicly available market data. They do not constitute legal, tax or investment advice.

    4.3. Investment, tax and financial decisions are made by the User independently and at the User's own risk. In case of doubt, the User should consult a licensed investment advisor, tax advisor or attorney.

    4.4. Belka tax calculations (flat-rate tax on capital gains) are of an estimative nature. Skarbify does not generate PIT-38 tax returns or integrate with the e-Deklaracje system. The User is responsible for the final tax filing, independently or with the assistance of a tax advisor.

5. Account registration

5.1. Registration is possible only for persons whose email address is on the Provider's invite list.

5.2. Sign-in takes place via a single-use magic link sent to the provided email address. Optionally, the User may enable an additional TOTP authentication factor.

5.3. The User undertakes to:

  • provide a genuine email address to which they have actual access,
  • not share login links with third parties,
  • secure the device used to sign in to the Service,
  • promptly report any suspected unauthorised access to the account.

6. User rights and obligations

6.1. The User has the right to:

  • use all Service features within the scope made available by the Provider,

  • request data export at any time (function in settings),

  • request account deletion at any time (function in settings),

  • submit comments and bug reports to rodo@skarbify.pl.

    6.2. The User undertakes to:

  • not attempt to access other Users' data,

  • not undertake actions aimed at circumventing Service security measures (rate limiting, authentication, data isolation),

  • not use the Service for unlawful purposes,

  • not enter third parties' data into the Service without their consent,

  • not enter unlawful content or content infringing third-party rights.

7. Intellectual property

7.1. All rights to the Service (source code, user interface, name, trademarks, documentation) belong to the Provider.

7.2. Data entered by the User remains the User's exclusive property. The Provider does not acquire rights to that data beyond the scope necessary to provide the Service.

7.3. The User grants the Provider a non-exclusive, time-limited (to the duration of the agreement) licence to process the entered data for the purpose of providing the Service.

8. Liability

8.1. During closed beta the Provider disclaims liability for:

  • Service unavailability,
  • loss, illegibility or incorrectness of data caused by software bugs,
  • financial losses or lost profits resulting from incorrect calculations, projections or indicators presented in the Service,
  • investment, tax or financial decisions made by the User based on data presented in the Service,

to the fullest extent permitted by law, in particular Art. 473 § 2 of the Polish Civil Code.

8.2. The Provider's liability towards a User who is a consumer is governed by mandatory provisions of law that the parties cannot modify by agreement — these Terms do not exclude or limit such provisions.

8.3. The Provider is liable for damages caused to the User by wilful misconduct. In other respects, the Provider's liability is limited to actual loss, excluding lost profits (lucrum cessans).

8.4. The above limitations of liability do not apply to damages arising from breach of personal data protection laws (GDPR), to the extent set out in Art. 82 GDPR and Art. 92 of the Polish Personal Data Protection Act of 10 May 2018.

9. Complaints

9.1. Complaints concerning the operation of the Service may be submitted to rodo@skarbify.pl.

9.2. A complaint should include:

  • the account email it concerns,

  • a description of the problem,

  • the User's demand.

    9.3. The Provider responds to complaints within 30 days of receipt.

    9.4. Independently of the complaint procedure, a User who is a consumer may use out-of-court dispute resolution methods, in particular:

  • the European Commission's ODR (Online Dispute Resolution) platform: https://ec.europa.eu/consumers/odr,

  • mediation at provincial Trade Inspection authorities,

  • permanent amicable consumer courts at the Trade Inspection.

10. Termination

10.1. The agreement is concluded for an indefinite term.

10.2. The User may terminate the agreement at any time using the "Delete account" function in settings or by contacting rodo@skarbify.pl.

10.3. The Provider may terminate the agreement:

  • with a 30-day notice period — at any time, providing a reason;

  • with immediate effect — in case of material breach of the Terms by the User, in particular attempts to circumvent security measures or to use the Service for unlawful purposes.

    10.4. Termination results in account deletion and removal of all User data, subject to the 30-day grace period described in the Privacy Policy.

11. Changes to the Terms

11.1. The Provider may amend the Terms for valid reasons (legal changes, changes to the scope or method of providing the Service, security reasons).

11.2. The Provider notifies the User of any change at least 30 days in advance via the account email.

11.3. If the User does not accept the changes, they may terminate the agreement before the changes take effect.

12. Governing law and jurisdiction

12.1. Matters not regulated by these Terms are governed by Polish law, in particular:

  • the Civil Code,

  • the Act of 18 July 2002 on the Provision of Services by Electronic Means,

  • the Act of 30 May 2014 on Consumer Rights (where the User is a consumer),

  • GDPR and the Personal Data Protection Act of 10 May 2018.

    12.2. Disputes arising from the agreement are resolved by the court with jurisdiction over the Provider's place of business. For a User who is a consumer, jurisdiction is determined by general rules (court of the consumer's place of residence).

13. Final provisions

13.1. If any provision of the Terms proves invalid or unenforceable, the remaining provisions remain in force.

13.2. These Terms were drafted in Polish. The English version is for information only — in case of discrepancy, the Polish version prevails.

13.3. These Terms enter into force on 2026-05-28.