Terms of Use

1. Acceptance of terms

By using the DivKids application ("Service"), you accept these Terms and the Privacy Policy. If you do not agree to the Terms, you cannot use the Service.

2. Minimum age

To use the Service, you must be 18 years old and have full legal capacity.

3. Service description

DivKids is a SaaS application that enables documenting family expenses and meetings, data storage, PDF report generation and data export.

4. User account

A full account is required to use the full functionality. You are obligated to provide true data and maintain password confidentiality. You are responsible for all activities performed on your account. We may suspend or close an account in case of violation of the Terms or law.

5. Service provider information

The DivKids application service provider is: Kamil Maćkiewicz ul. Mieszka I 23a/13 44-194 Knurów, Poland E-mail: support@divkids.com Activity conducted in the form of unregistered activity based on art. 5 para. 1 of the Entrepreneurs' Law Act.

6. User content

You retain rights to the data ("Content") you enter into the application. You grant DivKids a non-exclusive license to process Content solely for the purpose of providing the Service. You are fully responsible for the Content's compliance with law and third party rights. DivKids is not responsible for User Content.

7. Permitted and prohibited use

Permitted: using the application for private and lawful purposes. Prohibited: providing false data, entering Content that violates privacy or rights of others, attempting attacks, hacking, reverse engineering, scraping, using in a way that excessively burdens infrastructure (e.g. bots, mass requests).

8. Payments and subscriptions

• 8.1. Types of plans

  DivKids offers one-time and subscription plans (monthly/annual). Plan details and current prices are available in the application and on the website.

• 8.2. Automatic renewal

  Subscriptions automatically renew until cancelled by the User. The User can cancel the subscription at any time in account settings. Cancellation results in no further charges after the current billing period ends.

• 8.3. Prices and taxes

  Prices displayed in the application may not include local taxes (e.g. VAT, GST, sales tax), which will be added according to the User's country regulations. The final price is presented to the User before making the payment.

• 8.4. Payment processing

  Payments are processed by Stripe (Stripe, Inc. and related entities). DivKids does not store credit card data. Accepted payment methods are displayed in the application (e.g. credit cards, BLIK, other methods available in Stripe).

• 8.5. Immediate access to digital content

  After payment, the User receives immediate access to the full functionality of the DivKids application as digital content within the meaning of Article 38(1)(13) of the Consumer Rights Act.

• 8.6. No statutory right of withdrawal

  In accordance with Article 38(1)(13) of the Consumer Rights Act, in the case of digital content delivered immediately after concluding the contract, after the consumer has expressly consented to the commencement of performance and confirmed awareness of the loss of the right of withdrawal, the consumer does not have the statutory 14-day right of withdrawal from the contract.

• 8.7. Confirmation of consent

  Before making a payment, the User is asked to consent to the immediate commencement of the digital service and to confirm awareness of the loss of the statutory 14-day right of withdrawal, in accordance with the message presented in the application (purchase confirmation modal).

9. Satisfaction Guarantee – 7-day money-back

• 9.1. DivKids voluntary guarantee

  Despite the absence of a statutory right of withdrawal for digital content delivered immediately (Article 38(1)(13) of the Consumer Rights Act), DivKids offers Users a voluntary 7-day money-back guarantee.

• 9.2. Scope of guarantee

  The guarantee is valid for 7 calendar days from the date of purchase of access to the DivKids application. During this period, the User may request a refund of 100% of the amount paid for the purchase, without having to provide a reason.

• 9.3. How to use the guarantee

  To use the guarantee, the User should send an email to: support@divkids.com requesting a refund. Upon receipt of the request, DivKids will confirm its acceptance and initiate a refund to the account from which the payment was made. The time to process the refund depends on the payment operator and the User's bank and typically takes 5–7 business days.

• 9.4. Effects of refund

  After the refund is processed, access to paid features of the DivKids application may be suspended or the account may be deactivated in the scope of services paid for by the transaction subject to the refund.

• 9.5. Guarantee limitations

  DivKids reserves the right to refuse a refund only in case of obvious abuse of the guarantee, in particular when: 1) the same account repeatedly makes purchases and requests refunds in short intervals, 2) there is reasonable suspicion of activity contrary to law or these Terms. In case of refusal, DivKids will inform the User of the reason for the refusal.

• 9.6. After 7 days

  After the 7-day guarantee period expires, refunds are not made, except in situations required by mandatory legal provisions. The User may cancel the subscription at any time in account settings, which will result in no further charges after the current billing period ends.

• 9.7. Nature of the guarantee

  The guarantee described in this paragraph is voluntary and contractual. It does not constitute a statutory right of withdrawal from the contract within the meaning of consumer rights provisions, but an additional right granted by DivKids.

10. Liability and exclusions

No provision of these Terms excludes or limits DivKids' liability for: • damage caused intentionally or through gross negligence, • damage to life, health or bodily injury, • liability that cannot be excluded or limited by law. In all other respects: The DivKids Service is an auxiliary tool and does not constitute legal, financial or medical advice. Legal and personal decisions are made solely at your own responsibility. The Service is provided "as is" and "as available" – errors, technical interruptions or data loss may occur. DivKids is not responsible for data loss, indirect damages, lost profits or decisions made based on application data. DivKids' maximum liability to the user is limited to the amount of fees paid in the 12 months preceding the event causing the damage. DivKids is not responsible for third party actions (e.g. payment operators, hosting providers).

11. Backup and data export

DivKids performs backups but does not guarantee full data recovery after a failure. Users should keep their own copies of important data. Before deleting an account, users can export their data from the application.

12. Technical limits

Maximum single file size: 10 MB. Maximum number of children and expenses added: according to active subscription plan. DivKids reserves the right to apply API limits and restrictions to protect infrastructure.

13. Indemnification

The user undertakes to release DivKids (Kamil Maćkiewicz) from liability for any third party claims arising from their use of the Service, including claims related to violation of law, copyright, privacy or personal rights.

14. Availability and maintenance

We strive to keep the Service available, but do not guarantee uninterrupted operation. Service interruptions, updates and failures may occur. We reserve the right to introduce changes and updates without notice.

15. Suspension and termination

We may suspend or close an account in case of violation of the Terms, law or Service security. You can delete your account at any time – data will be deleted according to the Privacy Policy.

16. Applicable law and jurisdiction

These Terms are governed by Polish law. This provision does not limit the protection granted to consumers by the mandatory provisions of the law of the country of their habitual residence that cannot be excluded by contract. Jurisdiction is determined in accordance with the relevant provisions of consumer law. Consumers have the right to bring an action before the court of general jurisdiction or the court of the consumer's place of residence. Terms are available in languages: Polish, English, German. In case of discrepancies, the Polish version is binding.

17. Alternative Dispute Resolution (ADR)

In accordance with EU Directive 2013/11/EU, consumers in the EU have the right to alternative dispute resolution (ADR). If you are dissatisfied with our service, you can use the ODR (Online Dispute Resolution) platform: https://ec.europa.eu/consumers/odr In Poland, the competent ADR body is the Permanent Consumer Arbitration Court at the Trade Inspection. Using ADR is voluntary and does not limit your right to court.

18. Changes to terms

We may change the Terms for important reasons (e.g. change of law, Service development). We will notify about significant changes at least 30 days in advance by email. Continued use after changes take effect means acceptance.

19. Final provisions

Invalidity of a single provision does not affect the validity of the others. Failure to enforce a right or provision of the terms by DivKids does not constitute a waiver of that right. You may not transfer rights under the agreement without our consent; DivKids may transfer rights in case of reorganization or sale of business.