Last Updated: 22 July 2026
These Terms of Use govern your access to and use of the website tepefi-sexato.info operated by Tepefi Sexato. By accessing this website, you agree to be bound by these terms. If you do not agree, you should not use this website.
This website is operated for informational and educational purposes. It describes a webinar series concerned with the conceptual distinction between needs and wants in everyday spending decisions, delivered through facilitated sessions and case study examination.
The content on this website does not constitute financial advice, investment advice, tax advice, or any form of professional advisory service. The descriptions of session content are for informational purposes only. Nothing on this site should be relied upon as a basis for making financial decisions.
Tepefi Sexato is an educational facilitation service. It does not offer regulated financial services and is not required to hold any financial services authorization under Polish or EU law in connection with the services described.
All content on this website, including text, images, structure, design elements, and descriptive materials, is the property of Tepefi Sexato or its licensors and is protected under applicable intellectual property law, including the Polish Act of 4 February 1994 on Copyright and Related Rights (Ustawa o prawie autorskim i prawach pokrewnych).
You may access and read the content of this website for personal, non-commercial informational purposes. You may not reproduce, distribute, publish, transmit, modify, or create derivative works from any content on this site without the express written permission of Tepefi Sexato.
Linking to this website from external sites is permitted provided the link does not present the content of this site in a misleading, defamatory, or commercially exploitative context.
Tepefi Sexato makes reasonable efforts to ensure the accuracy and currency of information published on this website. However, we do not warrant that all information is accurate, complete, or up to date at any given time.
The website is provided on an "as is" and "as available" basis. To the extent permitted by applicable law, Tepefi Sexato disclaims all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.
Session formats, scheduling, and availability described on this website are subject to change. The website does not constitute a binding offer or commitment to deliver any specific session on any specific date.
To the maximum extent permitted by Polish and EU law, Tepefi Sexato shall not be liable for any direct, indirect, incidental, consequential, or special damages arising from your use of or inability to use this website or its content, including but not limited to loss of data, loss of revenue, or damage to reputation.
Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded or limited under Polish law, including the provisions of the Polish Civil Code (Kodeks cywilny).
This website may contain links to external websites. These links are provided solely for convenience. Tepefi Sexato does not control the content of external sites and accepts no responsibility for their accuracy, legality, or practices.
The inclusion of any external link does not imply endorsement, affiliation, or association with the linked site. Access to external sites is at your own risk and subject to the terms and privacy policies of those sites.
Maps embedded on this site are provided by third-party mapping services. Their use is subject to the terms and privacy policies of those services.
These Terms of Use are governed by and construed in accordance with the laws of the Republic of Poland, including the provisions of the Polish Civil Code, the Act on Consumer Rights (Ustawa o prawach konsumenta), and applicable EU regulations.
Any disputes arising from or in connection with these Terms or your use of the website shall be subject to the jurisdiction of the competent courts in Bydgoszcz, Poland, unless mandatory applicable law provides otherwise.
If you are a consumer resident in another EU member state, you may also be entitled to bring proceedings in the courts of your country of domicile under applicable EU consumer protection law, including Regulation (EU) 1215/2012 on jurisdiction and the recognition and enforcement of judgments.
Tepefi Sexato reserves the right to modify these Terms of Use at any time. Modifications take effect upon publication on this website. The date at the top of this document reflects the most recent revision.
It is your responsibility to review these Terms periodically. Continued use of the website following any modification constitutes acceptance of the revised Terms, to the extent permitted by law.
If you have questions about these Terms, you may contact us at [email protected].