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Terms of Use

These terms govern access to and use of the Xomipu Ceduxe website and its educational content.

Last Updated: 15 July 2026

A. By using this site, you agree to these terms.

A. Acceptance Of Terms

Accessing or using this website indicates acceptance of these Terms of Use in full. If any part of these terms is not acceptable, the appropriate step is to discontinue use of the site.

B. The content is educational only, not professional advice.

B. Nature Of The Content

All material on this website, including modules, ritual descriptions, and reflection prompts, is provided strictly for general educational purposes. Nothing published here constitutes financial, investment, legal, or tax advice, and no content should be relied upon as a substitute for consultation with a qualified, licensed professional.

C. Use the site for lawful, personal, non-commercial purposes.

C. Permitted Use

You may browse, read, and reference the content on this website for personal, non-commercial, educational purposes. Automated scraping, bulk downloading, or republishing substantial portions of the content without permission is not permitted.

D. All content and design remain the property of the site operator.

D. Intellectual Property

Text, graphics, layout, and other original elements of this website are protected under applicable copyright law, including the Polish Act of 4 February 1994 on Copyright and Related Rights. Reproduction beyond fair personal use requires prior written consent.

E. Do not use the site in ways that disrupt or harm it.

E. User Conduct

Users agree not to attempt unauthorized access to any part of the website's infrastructure, introduce malicious code, or interfere with the normal operation of the site. Submissions made through the contact or newsletter forms must contain accurate information.

F. The site is provided as-is, without warranties of outcome.

F. Disclaimer Of Liability

This website and its content are provided on an "as is" and "as available" basis, without warranties of any kind, express or implied. To the extent permitted under Polish law, the operator is not liable for any indirect, incidental, or consequential loss arising from reliance on the content or from technical interruptions to the service.

G. Reading this content does not create an advisory relationship.

G. No Professional Advisory Relationship

Viewing or engaging with the educational content, requesting an introductory conversation, or submitting the contact form does not establish a financial advisory, legal, or fiduciary relationship of any kind. Any decisions made using information from this site remain the sole responsibility of the reader.

H. External links are provided for reference only.

H. Third-Party Links

Where this website references external research or resources, those links are provided for informational reference only. The operator does not control and is not responsible for the content or practices of external websites.

I. Polish law governs these terms.

I. Governing Law

These Terms of Use are governed by the laws of the Republic of Poland. Any dispute arising in connection with these terms falls under the jurisdiction of the competent Polish courts, unless mandatory consumer protection rules provide otherwise.

J. Terms may be revised, with the current version always posted here.

J. Changes To These Terms

These Terms of Use may be updated periodically to reflect changes in the website's content or applicable regulation. Continued use of the site after changes are posted constitutes acceptance of the revised terms.

K. Contact us with any question about these terms.

K. Contact

Questions regarding these Terms of Use can be sent to [email protected] or addressed by post to Michała Bałuckiego 16, Elbląg, Poland.

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An educational resource on the psychology of financial decisions made under time pressure, and the small rituals that help restore a pause before spending.

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