TERMS AND CONDITIONS OF THE WEBSITE www.raportesg2021.ergohestia.pl

Preliminary provisions 

1. Sopockie Towarzystwo Ubezpieczeń ERGO Hestia S.A. with its registered office in Sopot, at ul. Hestii 1, 81-731 Sopot, entered in the register of entrepreneurs of the National Court Register, kept by the District Court for Gdańsk-Północ in Gdańsk, 8^th Commercial Division of the National Court Register, under KRS No 0000024812; Tax ID No. (NIP): 585-000-16-90, with fully paid-up share capital of PLN 196,580,900

and

Sopockie Towarzystwo Ubezpieczeń na Życie ERGO HESTIA S.A. with its registered office in Sopot at ul. Hestii 1, 81-731 Sopot, entered in the register of entrepreneurs of the National Court Register kept by the District Court for Gdańsk – Północ in Gdańsk, 8^th Commercial Division of the National Court Register, under KRS No 0000024807, Tax ID No. (NIP): 585-000-16-90, with fully paid-up share capital of PLN 64,000,000, having the status of a large entrepreneur within the meaning of the Act of 8 March 2013 on combating late payment in commercial transactions,

hereinafter jointly referred to as the “Companies“, establish the Regulations of the website, available at: www.raportesg2022.ergohestia.pl, hereinafter referred to as the “Website“. 

2. The Regulations define the principles of operation of the Website and the conditions for the provision of electronic services described in point III below, hereinafter referred to as “Services“, available through the Website. 

3. A user, within the meaning of these Regulations, is any person using the Website, hereinafter referred to as the “User“. 

4. The Regulations do not apply to services that are not listed in point III below,
in particular, it does not apply to services provided via the ihestia.ergohestia.pl website, You Can Drive website, mtu24.pl website, ergohestia.pl website, eKonto services and Direct Account services, the terms of which are specified in separate regulations. 

5. These Regulations are available free of charge on the Website, in a form that allows it to be downloaded, reproduced, recorded via the User’s ICT system and printed. Each Internet user can read the content of these Regulations. 

II. Terms of use of the Website 

1. The commencement of the use of the Website by the User is tantamount to acceptance of the provisions of these Regulations. 

2. Each User is obliged to use the Services in a manner consistent with the law, these Regulations, the principles of social coexistence, as well as good manners.
In particular, the User is obliged to: 

1. refrain from any actions that impede the use of the Website, 
2. refrain from posting on the Website content that is generally considered 
   illegal, against these Regulations or that infringes someone else’s 
   personal or property rights, 
3. refrain from any actions that violate the law, these Regulations, good manners or someone else’s personal or property rights, especially due to other Users,
   and in particular to refrain from using the personal data of other natural persons, such as your own personal data. 

3. It is forbidden for the User to send the Companies information or content that is illegal, offensive, may be misleading or containing viruses.
or that may cause disruptions or damage to ICT systems as well as IT or electronic devices. In the event of sending such information or content, the Companies have the right to block the User’s access to the Services provided and take legal action with an appropriate claim, also for damages.

4. It is forbidden to use the Website to send offers and advertisements for goods and services. 

III. Type and scope of the Services provided 

1. Companies, at the request of the User – via the Website – enable the User to use the following Services: 

1. access to information contained on the Website, including viewing the report prepared by the Companies under the name “Troska” from 2021,
2. download the document indicated under letter a) above in the form of a PDF file. 

2. The services are provided free of charge and without the need for the User to submit any statements or log in (provide personal data). 

3. Provision of the Service indicated in paragraph 1 lit. a) above occurs when the User enters the appropriate website address of the Website or activates the link in the web browser, which directly directs the User to the Website. The use of the Service shall be terminated upon the User leaving the website (website). 

4. Provision of the Service indicated in paragraph 1 lit. b) above is done by clicking the appropriate button, visible on the Website, that allows you to download the entire document, saved in PDF format. The use of the Service is terminated when the User leaves the Website (website). 

IV. Technical requirements necessary to use the Website 

1. Technical requirements for the User regarding the use of the Services: 

1. Internet connection, 
2. using one of the web browsers recommended below or their newer versions: Firefox 25, Chrome 30, Edge 25, Safari. In the case of other browsers, the Website may not work properly.

2. When using the Services, you should use anti-virus programs and firewalls 
and keep them updated.

V. Cookie Policy 

1. A cookie file is a small digital text file sent by the Website server, saved in the memory of the User’s IT device. This file informs the server of the website on which the Website is functioning that the given User visits the website in question again.

2. Use of cookies: 

1. they enable and improve the operation of the Website, 
2. the simplify the use of the Website for the User, 
3. they enable monitoring, analysing and improving the operation and effectiveness of the Website. 

3. The cookies used by the Companies do not cause damage and do not change the User’s device and the software installed on this device. Cookies do not contain identification data such as names, addresses or payment information. 

4. In order for the User to fully use the content and personalized functions of the Website, the User’s device, such as a computer, tablet or mobile phone, must accept cookies (often this is the default setting). 

5. The companies place cookies in the memory of the User’s device according to the settings made by the User of the web browser software installed
in the device used by the User. The user can allow the use of cookies, restrict 
the use of cookies, block them or delete them. The user can limit, block or delete cookies using the settings of the software installed on his/her device; usually it will be a web browser. Depending on the browser used, please refer to the help menu or the device manual and change the cookie settings accordingly or delete them.

6. The cookies placed on the website of the Website are the Companies’ own files. The Companies also allow cookies to be placed by third parties. The rules for the use of cookies by external entities are contained in the privacy policy of these entities. 

7. Depending on the time they are stored on the User’s device, cookies are divided into 
temporary and permanent. Temporary files are active while using the web browser, and they expire after the end of using them. Persistent files remain in the memory of the User’s device after the end of using the browser. The purpose, content and duration of the first-party cookies are as follows:

VI. Complaints 

1. The User may submit complaints in matters related to the Services provided
on the basis of these Regulations. 

2. Complaints may be submited: 

1. electronically – by filling in the complaint form on the website: ergohestia.pl, 
2. in writing – to the joint address of the Companies indicated in point I sec. 1 above, 
3. orally or in writing during a visit to any organizational unit of any of the Companies. 

3. Complaints are examined by appropriate organizational units of the Companies. 

4. A response to the complaint will be sent within 30 days of its receipt – in writing or by means of another durable medium, e.g. by e-mail, as selected by the person submitting the complaint. 

5. In particularly complicated cases, making it impossible to consider the complaint and provide a reply within the time 
limit specified in paragraph 4 above, the reply will be sent within 45 days from the date of receipt of the complaint. 

6. The letter of complaint should contain a description of the grounds for the complaint and the following data of the complainant: 

1. name and surname; 
2. the manner of providing the answer, including the address details to which the answer should be provided. 

7. Any disputes arising from the use of the Website may be ended by out-of-court proceedings before the Financial Ombudsman at the following address: ul. Nowogrodzka 47A, 00-695 Warsaw, website: www.rf.gov.pl, which is an entity authorized to conduct out-of-court proceedings under the provisions of the Act of August 5, 2015 on Complaints Handling by Financial Market Entities and on the Financial Ombudsman. 

8. For the purpose indicated in sec. 7 above, consumers may also use the platform of the online dispute resolution system (ODR Platform), in accordance with the Regulation of the European Parliament and of the Council No. 524/2013 of May 21, 2013 on the online dispute resolution system for consumer disputes. The ODR platform can be used as a source of information and a tool for resolving disputes that may arise between the Companies
and consumers. Communication with the ODR Platform is possible via the electronic link at: http://ec.europa.eu/consumers/odr. 

9. The e-mail address at which the Companies can be contacted in 
relation to complaints: complaints@ergohestia.pl. 

VII. Processing of personal data 

1. The co-administrators of personal data are:

1. Sopockie Towarzystwo Ubezpieczeń ERGO Hestia S.A. with its registered office in Sopot, ul. Hestii 1, 81-731 Sopot, hereinafter referred to as the “First Joint Administrator”,
2. Sopockie Towarzystwo Ubezpieczeń na Życie ERGO Hestia S.A. with its registered office in Sopot, ul. Hestii 1, 81-731 Sopot, hereinafter referred to as the “Second Joint Administrator“.

2. The rules and scope of responsibility of the Joint Administrators regarding the fulfillment of the obligation to protect the processed personal data result from Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection 
of individuals with regard to the processing of personal data and on the free movement of such data and repealing Directive 95/46/EC, i.e. the General Data Protection Regulation, hereinafter referred to as “GDPR“. Moreover, the Joint Administrators agreed that:

1. The First Joint Administrator is responsible for the performance of the information obligation, 
   consisting in providing the data subject with detailed information on the obligations regarding the processing of personal data by the Joint Administrators,
2. The first Joint Administrator provides access to data subjects with the essential part of the arrangements between the Joint Administrators,
3. on the basis of the joint administration agreement, the First Joint Administrator maintains a joint collection of personal data. The Joint Administrators may process personal data contained in a common data set, provided that the processing is carried out in order to use the Website by the User.

3. The data subject may contact the Joint Administrators: 

1. in writing, to the address ul. Hestii 1, 81-731 Sopot; 
2. by calling the number: 801 107 107 or (58) 555 55 55. 

4. The Joint Administrators have appointed a data protection officer who can be contacted in all matters relating to the processing of personal data and the exercise of rights related to the processing of personal data. The data subject may contact the Data Protection Officer: 

1. in writing, to the address ul. Hestii 1, 81-731 Sopot; 
2. electronically, via the following e-mail address: iod@ergohestia.pl, 
3. by using the form in the Personal Data Protection section of the website www.ergohestia.pl. 

5. The legal basis for the processing of personal data is the User’s consent to the processing of his/her personal data. 

6. The Joint Administrator shall process the following personal data: 

1. to use the services: IP address, cookie IDs, MAC number
2. in order to consider the submitted complaint:  name and surname of the person lodging the complaint, address details to which a reply should be provided 

7. Personal data may be transferred to entities processing personal data at the request of the Joint Administrators. Entities processing personal data at the request of the Joint Administrators are, inter alia, IT service providers or entities providing archiving services. 

8. The persons whose personal data are processed by the Joint Administrators, therefore, have the following rights: 

1. the right to access their personal data; 
2. request for rectification, deletion or limitation of the processing of personal data, 
3. objecting to the processing of personal data, 
4. transferring personal data, i.e. receiving it from the Joint Administrators, 
   in a structured, commonly used, machine-readable format and sending it to another personal data administrator, 
5. the right to lodge a complaint to the supervisory body dealing with the protection of personal data,
6. withdrawal of consent to the processing of personal data, without affecting the lawfulness of actions taken before its withdrawal. 

9. In order to exercise the rights referred to in paragraph 8 above, you should 
contact the Joint Administrators or the data protection officer appointed by them. 

10. Personal data will be stored until the claims related to the Services provided by the Joint Administrators 
through the Website are time-barred, or until the obligation to store personal data, resulting from legal provisions, expires. 

11. The data subject may request copies of the personal data provided to the Joint Administrators and an indication of the place where they are made available. For this purpose, please contact the 
Joint Administrators or the Data Protection Officer appointed by them. 

VIII. Final provisions 

1. The website contains content protected by intellectual property law, in particular works protected by copyright and materials bearing trademarks. The user is obliged to comply with the provisions of the intellectual property law. 

2. Any copying, making changes or public playback of the content made available 
without the consent of the Companies is prohibited, unless it results from separate 
documents, contracts or mandatory provisions of law. 

3. Materials or information published on the Website, unless expressly stated so, do not constitute an offer within the meaning of the Civil Code. 

4. The Companies reserve the right to temporarily suspend the Website or individual Services in order to carry out maintenance works. 

5. The Companies reserve the right to remove or modify the content and functions of the Website, as well as to change the rules of using the Website. 

6. These Regulations may be changed by the Companies. In the event of a change in the Regulations, the Companies will place the amended Regulations free of charge in a way that allows its acquisition, reproduction, recording using the User’s ICT system and printing. 

7. In the event that the Service requires the User to provide specific data, the User undertakes to provide true, complete, lawful and not misleading data. 

8. The User’s use of the Website after the introduction of changes to these Regulations is tantamount to accepting these changes. 

9. In matters not covered by these Regulations, the provisions of law in force in the Republic of Poland shall apply. 

10. These Regulations are valid from 31.08.2022 r.