Terms of service

obligacje.io is operated by Apify Piotr Gorzelany, a sole trader registered in the Polish Central Register and Information on Economic Activity, ul. Stanisławowska 47, 54-611 Wrocław, Poland, tax ID (NIP) 6182099561.

Contact for service, terms and complaint matters: obligacje-io@agentmail.to.

The service may be used by adults from any country. It is primarily intended for people interested in the Polish bond market and does not impose geoblocking.

Public content can be viewed without an account. After accepting the current terms and confirming adulthood, the account contract is formed at the first Google or Apple sign-in or when the email address submitted during password registration is verified. Password registration requires email verification before account access.

Users are not asked whether they act privately or for work. An account has a verified email address. Matching email addresses do not automatically connect accounts created through different sign-in methods.

The service provides a catalogue and search for Polish bonds, bond and issuer information, source documents, calculators, and an AI assistant that can use data available in the service and general knowledge.

All features available in the current version are free. Creating an account or using the service does not initiate a payment or subscription.

If paid services are introduced later, their price and terms will be presented separately. Any charge will require an explicit action and separate agreement from the user.

Content, data, calculator results and assistant answers are for information and education only. They are not investment, tax or legal advice, an investment recommendation, an offer, personalised suitability analysis or a brokerage service.

Neither the service nor the assistant recommends buying, selling or holding an instrument or determines whether an investment is suitable for a user. Users make their own decisions after checking source documents and, where appropriate, consulting an authorised adviser.

The AI assistant can find and explain service data, summarise documents, explain terminology and answer general-knowledge questions. Answers are generated automatically and may contain errors, omissions or outdated information.

Users should not enter passwords, tokens, payment details, special-category data or other information they do not want to entrust to external AI model providers.

Conversations remain available after sign-in. A user can delete an individual conversation, and undeleted conversations are automatically deleted 12 months after the last message.

For conversations started after terms containing the conversation-review disclosure introduced on 18 August 2026 have been accepted and the current privacy information has been presented, an authorised operator may review their content to assess quality and improve obligacje.io features. Access is restricted, recorded in an audit log and is not used to train external AI models.

Sign-in uses Google, Apple or email and password. We do not receive Google or Apple account passwords. An obligacje.io password is stored only as a salted Argon2id cryptographic hash. Users should protect their password, email inbox and active session and must not share them.

A signed-in user may connect Google and Apple to one account after separately confirming both sign-ins. If an earlier service version created a technical duplicate without an email address, the confirmed connection may merge it into the primary account and move conversations while preserving the necessary audit trail.

We send messages needed to verify an email address, recover access and add a password. Email verification does not automatically sign the user in; they must then sign in with their password. A reset revokes all sessions; a password change requires the current password and revokes other sessions. Google or Apple users may add a password in settings after a recent sign-in and email confirmation in the same session.

An account can be deleted from the security section after identity is reconfirmed by a recent sign-in. Account deletion ends the contract, deletes conversation content, deletes the password credential and pending tokens, unlinks sign-ins and pseudonymises data that must remain for security-record integrity, accountability or defence of legal claims.

The operator may temporarily suspend or terminate access where required by law or where the user breaches these terms, service security or the rights of others, taking consumer rights and the circumstances of the case into account.

Data comes from public Polish bond-market sources, issuer documents and automated processing of those materials. It may be incomplete, delayed, inaccurate or temporarily unavailable. Users should verify material information against issuer documents and official sources.

The price chart on a bond page is an external TradingView visualisation. It is not an obligacje.io market-data feed and is subject to TradingView's terms.

The operator may develop, modify, suspend or remove features and carry out maintenance. Uninterrupted operation and catalogue completeness are not guaranteed.

Using the service requires internet access, a current browser, JavaScript and essential cookies. Account features require access to an email inbox or an active Google or Apple account.

Users bear the ordinary cost of their own internet access and device.

Users must not provide unlawful content, infringe third-party rights, bypass security or limits, take over another account, disrupt the service, introduce malicious code or automatically retrieve data in a manner that places an excessive load on the service.

Service content must not be represented as an investment recommendation by the operator, and source or third-party rights notices must not be removed.

Rights in the software, service layout and the operator's original content belong to the operator or its licensors. Rights in third-party documents, data and marks remain with their respective owners.

Users may use the service for their own purposes in accordance with law and these terms. Further use of data may be subject to the terms of its original source.

The operator is liable under mandatory law. To the extent permitted by law, the operator is not liable for investment decisions based on informational content, errors or delays in external sources, or outages caused by infrastructure providers.

Nothing in these terms limits consumer rights or liability that cannot be excluded by law.

Complaints can be sent to obligacje-io@agentmail.to. They should describe the problem, state when it occurred and include an email address for the reply. Passwords, tokens and other secrets should not be sent.

The operator will respond within 14 days of receipt. If further information is needed, the period runs from receipt of the information necessary to consider the complaint.

The operator may amend these terms for important reasons such as changes in law, security, providers or service scope. Material changes will be announced in the service or by email with appropriate advance notice. Continued use of features may require acceptance of the new version.

A user may decline a change and delete the account. The operator may discontinue the service after advance notice unless urgent legal or security reasons require faster action.

These terms are governed by Polish law. This choice does not deprive a consumer of protection granted by mandatory rules in the country of their habitual residence.

Disputes are heard by courts determined under applicable law, without limiting consumer rights.