Legal

Terms of service

The contract between you and us: what you get, what it costs, who is responsible for what, and how to leave.

Terms of Service — Ksefly

Version: 1.0 (draft) · Drawn up: 22 August 2026 · In force from: 1 October 2026

These terms set out how you use the Ksefly app and services. We draw them up and publish them because art. 8 § 1(1) of the Polish Act of 18 July 2002 on providing services by electronic means requires it. You can read, download, print and store them at any time, free of charge and without an account (art. 8 § 1(2) of that Act).

In short — five things worth knowing before you read the rest:

  1. Ksefly is an app that helps you issue and receive invoices in KSeF. We are not KSeF, we are not the Ministry of Finance, we do not keep your books and we do not give tax advice.
  2. In law, the invoice is the document in KSeF together with its KSeF number. A PDF from Ksefly is only a visualisation of that document.
  3. Apple sells you the Pro and Ultra subscription, not us. Billing, plan changes, cancellation and refunds all run through your Apple Account.
  4. When you take a payment from your customer, the money flows through your own Stripe account — Ksefly never receives, holds or transmits those funds.
  5. The content of an invoice and your tax decisions are yours. Building the document correctly and transmitting it to KSeF is ours — within the limits in § 17.

§ 1. Who provides the service, and how to reach us

  1. The service provider is developNET Maciej Matysiewski (brand: develop.NET), ul. Nowowiejska 6/6, 00-649 Warszawa, Poland, NIP 1182238190, REGON 521446646 — a sole trader registered in the Polish CEIDG register (referred to below as “Ksefly”, “we”, “us”).
  2. Electronic addresses:
  3. Postal correspondence goes to the address in paragraph 1.
  4. Ksefly is an independent third-party application and is not affiliated with, sponsored by or endorsed by the Polish Ministry of Finance, the National Revenue Administration or any other government body. The name KSeF is used descriptively only.

§ 2. Definitions

  • App — the Ksefly iPhone app, downloaded from the App Store.
  • Service — the app together with our server (backend), which sends documents to and fetches them from KSeF, keeps a backup of the data you type, and delivers notifications.
  • Account — your Ksefly account, created by “Sign in with Apple”.
  • Company (taxpayer context) — one company (one NIP) you connect to your account and act for in KSeF. One account may hold several companies.
  • KSeF — Krajowy System e-Faktur, the Polish national e-invoicing system run by the Ministry of Finance.
  • Vault — the backup of the data you enter yourself (contractors, products, bank accounts, templates, settings, numbering), held encrypted on our server so that it survives the loss of your phone.
  • Plan — Free, Ksefly Pro or Ksefly Ultra.
  • Payments — the feature that lets your customer pay your invoice (§ 9–§ 12).

§ 3. What Ksefly is — and what it is not

  1. Ksefly is a tool that builds an invoice in the FA(3) format, sends it to KSeF on your behalf, fetches invoices issued to your NIP, displays them, computes summaries from them, produces PDF visualisations and lets you take payment.
  2. Ksefly is not:
    • KSeF or any part of it; we do not act on behalf of the Ministry of Finance;
    • an accounting office — we do not keep your books, ledgers or filings;
    • a tax adviser, a legal adviser or an auditor (§ 15);
    • a payment service provider — Stripe is (§ 9);
    • a fiscal cash register; a Ksefly payment confirmation is not a paragon fiskalny.
  3. KSeF’s availability, its own rules, its query limits and its outages are outside our control.

§ 4. What the service covers; the plans

  1. The Service includes in particular: issuing invoices and sending them to KSeF, receiving purchase invoices, viewing and searching documents, PDF visualisation, contractor and product books, templates, numbering, the Vault backup, push notifications, the “Pulse” summaries, the accountant package, scheduled sending, and taking payments.

  2. Plans and allowances (as at the date these terms were drawn up):

    PlanPriceSales invoices per month
    Free0 zł5
    Ksefly Pro13.99 zł / month or 139.99 zł / year15
    Ksefly Ultra25.99 zł / month or 259.99 zł / yearunlimited

    The prices shown in the App Store always prevail (§ 8(3)).

  3. How the allowance is counted. It counts sales invoices that KSeF already holds or is about to (submitted, accepted, or waiting in the send queue). Invoices KSeF rejected do not spend a slot. Corrections never count against the allowance, and a correction to zero returns the original invoice’s slot as soon as KSeF accepts that correction.

  4. The allowance is counted for the account as a whole — every company connected to the account shares one monthly pool, however many there are.

  5. What every plan has, and what the paid plans add. NIP lookup, VAT white-list checks, the accountant export (CSV/PDF/ZIP), the “Pulse” analytics and taking payments are available on every plan, Free included. A paid plan is required in particular for: connecting a second company (Pro — up to two; Ultra — unlimited), scheduled sending, live registry search, the Ksefly Intelligence features (paragraph 6), and a lower payment commission (§ 10). Ultra additionally removes the invoice limit, lets you print the invoice without the Ksefly mark in the footer and with your own logo, and carries the lowest commission.

  6. Features using artificial intelligence. The app generates short invoice descriptions, a summary sentence in the “Pulse”, and — on Ultra and at your explicit request — a draft booking note. For the invoice description and the booking note, some data leaves Ksefly: the names of the invoice parties, the amount and the names of the line items are sent to an external language-model provider outside the European Economic Area. The “Pulse” sentence is built from numeric and behavioural data only — no names and no NIPs. All three features require the Pro or Ultra plan (the booking note — Ultra) and your consent: the “Ksefly Intelligence” switch in Settings is off by default, governs all three mechanisms, and turning it off erases the generated content; with the switch off, no data leaves Ksefly for this purpose. The Privacy Policy sets out that processing and its legal basis; the output of these features is informational help, not advice (§ 15).

  7. We keep developing the Service and may add, change and retire features. A material reduction of a paid plan’s features is treated as a change to these terms (§ 21).

  8. We do not offer a guaranteed availability level (no SLA). We work to keep the Service running; maintenance, updates and outages at KSeF, Apple, Stripe or our infrastructure provider are possible.

§ 5. Technical requirements

  1. To use the Service you need:
    • an iPhone running iOS 26 or later,
    • an Apple Account (signing in is only possible with “Sign in with Apple”),
    • internet access,
    • the right to act in KSeF for the NIP concerned — a Trusted Profile (Profil Zaufany), a qualified signature or seal, or a KSeF token.
  2. To take contactless card payments with the iPhone itself you additionally need: an iPhone XS or later, to be signed in to iCloud on that phone, to accept Apple’s own terms for the feature, location access for the app, and a verified Stripe account.
  3. We recommend turning on the app’s Face ID lock and a passcode on the phone.
  4. The Service is intended for people aged 18 or over with full legal capacity.

§ 6. How the contract is concluded

  1. The contract for services provided by electronic means (a Free account) is concluded the moment you sign in with Apple and your account is created.
  2. It is concluded for an indefinite period.
  3. Connecting a company (a NIP) is not a separate contract with us — it is you authorising us to act in KSeF on your behalf, to the extent the authentication method you used allows (§ 16).
  4. A Pro/Ultra subscription is a separate contract with Apple (§ 8).
  5. These terms are made available to you free of charge before the contract is concluded: they are public at ksefly.app/en/terms and linked from the sign-in screen, above the “Sign in with Apple” button — that is, before the moment the contract is concluded (§ 6(1)) — and from Settings → About. You can download and save it at any time.

§ 7. Ending the contract, deleting the account, exporting your data

  1. You may end the contract at any time and without giving a reason — use “Delete account” in Settings, or send us a statement at the address in § 1(2). Signing out and deleting the app does not end the contract: your account and your Vault stay on our server (paragraph 5).
  2. Deleting the account cannot be undone. We then delete, in particular: your account and its sign-in identity, every connected company, the invoice data we hold, scheduled sends, historical import jobs, the encrypted KSeF credentials, the entire Vault, stored UPO documents, payment-transaction records, and your notification registrations. Before deleting the data we also revoke, with Apple, the grant you gave through “Sign in with Apple”; if Apple does not confirm the revocation, the account is deleted anyway.
  3. What deleting the account does not cover:
    • your invoices in KSeF — they stay in the Ministry of Finance’s system; we do not and cannot delete them;
    • data your customer already received with an invoice.
  4. Export your data before you delete the account. The app does not sync with iCloud; the only backup of your books is the Vault, and we delete it with the account. On a paid plan, use the export (CSV / PDF / ZIP) or save the accountant package first; on Free, save the invoices you need one by one as PDFs.
  5. Signing out is not deleting. Signing out clears the data from the phone but leaves the Vault — sign in again and your books come back.
  6. We may terminate the contract on 30 days’ notice, and without notice only for good cause: use of the Service contrary to law or to these terms, action harming other users, attempts to circumvent plan limits, payment abuse, or a demand by a public authority. We will give the reason as an in-app message you can save, and — if you have given us a postal address — in writing as well. We do not send it by e-mail to an “account address”: we hold no such address (§ 1.1 of the privacy policy).
  7. In urgent cases (suspected abuse or fraud, risk to others) we may suspend access to part or all of the Service while we investigate; we will tell you promptly and keep the suspension no longer than necessary. Suspension of the payments feature is covered by § 12(5).
  8. Ending your contract with us does not automatically end your Apple subscription — you cancel that through your Apple Account (§ 8) — nor your contract with Stripe.

§ 8. Pro and Ultra subscriptions — Apple is the seller

  1. Ksefly Pro and Ksefly Ultra are sold as in-app purchases through the App Store. Apple is the seller, not us — for users in Poland that is Apple Distribution International Limited, Hollyhill Industrial Estate, Hollyhill, Cork, Ireland (the entity named in the Apple Media Services Terms for the Polish App Store).
  2. That has consequences, and they bind us:
    • billing and payment are handled solely by Apple, under your Apple Account terms;
    • changing plan, cancelling and turning off auto-renewal happen in Apple’s subscription settings (the app opens that screen for you);
    • refunds are decided by Apple under its own rules; we cannot cancel or refund an Apple subscription, even if we wanted to;
    • Apple issues the receipt for the subscription.
  3. The prices shown in the App Store prevail. The prices in § 4(2) are informational and may differ after a price or currency change.
  4. A subscription renews automatically until you turn renewal off. Renewal, any trial period and the related notices are governed by Apple.
  5. What happens when a subscription lapses: the account returns to the Free plan and its allowance (3 sales invoices a month per company), paid features stop being available, and your data is not deleted. Companies you already connected stay available; connecting another one needs a paid plan again.
  6. Withdrawal. You buy a Pro or Ultra subscription from Apple ((1) above). At checkout Apple takes your express request that performance begin immediately and your acknowledgement that you thereby lose the right of withdrawal to the extent provided in art. 38(1) of the Polish Consumer Rights Act — we open the plan’s features as soon as Apple confirms the purchase and do not wait 14 days. Any refund is handled by Apple under its own rules ((2) above); we operate no separate withdrawal procedure and could not technically perform one. That exclusion does not apply to the free-account contract: if you are a consumer or the person described in § 23(2), you may withdraw from it within 14 days of creating the account — deleting the account in the app or writing to contact@ksefly.app is enough (a model form is in Annex 1; using it is optional). Independently of that, you can end the free-account contract at any time with immediate effect (§ 7(1)) — a stronger right than withdrawal.

§ 9. Taking payments from your customers — who is who

This is the most load-bearing section in the document. It sets out who contracts with whom when your customer pays you through Ksefly.

  1. You — your company — are the merchant of record, through your own Stripe account linked to your company in Ksefly. A separate Stripe account is created for each company.
  2. Stripe is the payment service provider, under an agreement you enter into directly with Stripe during its onboarding (the Connected Account Agreement). Your counterparty is Stripe Payments Europe, Limited, seated in Dublin (Ireland): the Connected Account Agreement points at the Stripe entity in the Stripe Services Agreement’s country table, and for an account operated in Poland that is this entity. You give your identity documents, business details and bank account directly to Stripe, on Stripe’s own pages; Ksefly does not fill that form in for you and does not intermediate in it.
  3. Ksefly supplies software only. We never receive, hold or transmit the payer’s funds — the money goes straight from the payer’s card to the Stripe account connected to your business. In this respect Ksefly provides only technical services supporting the provision of payment services and at no point comes into possession of funds — an activity excluded from the Polish Payment Services Act (art. 6(10)) and art. 3(j) of PSD2; Ksefly is not a payment service provider and carries on no activity requiring authorisation from the Polish financial supervisor (KNF).
  4. We never see card data. In a contactless payment on the phone, the card is read and transmitted to Stripe by Stripe’s own component running on your device. What we store on our servers is Stripe’s identifiers, the amount, the currency, the status, the payment-method type, and the card brand and last four digits.
  5. Taking card payments with the phone itself is a separate agreement with Apple. By accepting Apple’s terms for that capability you contract directly with Apple. Ksefly is not a party to that agreement, cannot enter into it for you, cannot change it and cannot waive it.
  6. The ways to pay are: a contactless card payment taken on the phone, a payment link (card, BLIK, Apple Pay) and BLIK from a code the buyer dictates. Which methods exist, and their limits and conditions, are set by Stripe.
  7. An invoice marked for the split-payment mechanism (MPP) cannot be paid by card, BLIK or Apple Pay — the app refuses, because those rails cannot route VAT to a dedicated VAT account.

§ 10. Our fee — the payment commission

  1. For making the payments feature available we charge a commission on every successful payment taken through Ksefly:
    • 1.00% on Free (the payments feature is available on every plan; on the free plan the commission — in place of a subscription — is what pays for it),
    • 0.35% on Ksefly Pro,
    • 0.20% on Ksefly Ultra.
  2. What the percentage is calculated on: the commission is calculated on the gross amount of the transaction — the same base comparable payment services use for their fees (SumUp among them). The stated rate is a gross figure, VAT included: Stripe deducts exactly the stated percentage from the payment and nothing is added on top.
  3. How we take it. Stripe deducts the commission from your payment when it settles and passes it to us (the application-fee mechanism on direct charges). We compute the amount on our side from the invoice — we never accept it from the app.
  4. Stripe’s own fees are separate from our commission and are charged to your Stripe account under your agreement with Stripe. We neither set nor collect them; Stripe publishes its current rates for Poland in its own pricing (stripe.com/en-pl/pricing and your agreement with Stripe).
  5. A worked example (commission on the gross amount — paragraph 2). You take a payment of 100.00 zł:
    • on Free our commission is 1.00 zł,
    • on Pro — 0.35 zł,
    • on Ultra — 0.20 zł,
    • Stripe’s own fee is charged on top, per its pricing,
    • the remainder is credited to your Stripe balance (§ 11).
  6. The invoice for our commission. For the commissions we collect we issue — through KSeF — a single collective VAT invoice once a month, covering the closed period. You will find it in the app, next to the payments room; you can also turn on delivery to an e-mail address of your choice. The default cycle is monthly on every plan; on Pro you may tighten it to fortnightly, and on Ultra — to fortnightly or weekly.
  7. Changing the commission rate is a change to these terms and follows § 21.

§ 11. Settlement and payout of your money

  1. A payment you take lands in your Stripe balance, and Stripe pays it out to your bank account on Stripe’s own payout schedule.
  2. The first payout may take longer than later ones — Stripe applies its own initial waiting period and may ask for further verification.
  3. We do not hold your money, do not pass it on, and cannot change the payout schedule. Timing, reserves and any holds are a matter between you and Stripe; ask Stripe about them.
  4. The green “PAID” seal in the app means the payment settled at Stripe — not that the money has already reached your bank account.

§ 12. Refunds, payment complaints and chargebacks

  1. You issue refunds yourself, in the Stripe dashboard. The Ksefly app has no refund control today — when Stripe tells us a refund happened we record it, and on a full refund we mark the invoice unpaid again. The refund is paid out of your Stripe balance.
  2. A chargeback runs between the card issuer, Stripe and you, within the evidence deadlines Stripe sets. We are not a party to it and do not decide its outcome.
  3. A negative Stripe balance is your debt to Stripe.
  4. Our commission is not returned on a refund or a chargeback — the service of taking the payment was performed when the payment settled. Stripe and comparable services (SumUp among them) treat their own fees the same way; the buyer’s amount is refunded, and the cost of the commission stays with you.
  5. Recourse and set-off. If Stripe charges us an amount arising from your transactions (in particular a refund, a chargeback, a dispute fee or a negative balance on your account), we may: (a) require you to reimburse it, (b) set it off against future commissions or other amounts we owe you, and (c) suspend the payments feature until it is settled. We will notify you of any such step and give our reasons.
  6. Complaints about the payment transaction itself (a declined authorisation, a dispute with the buyer, the timing or amount of a payout) go to Stripe as the payment service provider. Complaints about how the Ksefly app works come to us, under § 20.

§ 13. No unlawful content; what we may do about content

  1. You must not supply unlawful content through the Service, in particular: invoices documenting transactions that never happened, use of someone else’s NIP without authority, data infringing third-party rights, malware, or content used for fraud.
  2. You undertake to use the Service lawfully and in line with these terms, not to circumvent your plan’s limits, not to interfere with the Service and not to try to reach anyone else’s data.
  3. If we obtain credible information that content stored for you is unlawful, or that these terms have been breached, we may — proportionately to the breach — restrict the visibility of that content, disable a particular feature, suspend access to the account, or terminate the contract (§ 7(6)–(7)). We will give reasons, stating what we are acting on (a provision of law or a specific clause of these terms) and telling you that you can challenge the decision through the complaints procedure (§ 20). We do not moderate invoice content automatically.
  4. Reports of unlawful content go to contact@ksefly.app.

§ 14. KSeF is the record, not us

  1. A structured invoice is a document issued through KSeF together with the number assigned to it (art. 2(32a) of the Polish VAT Act). Issuing and receiving an invoice are events inside KSeF (art. 106na of that Act).
  2. Ksefly’s copy is a convenience projection. KSeF prevails. If our copy differs from the document in KSeF, the document in KSeF is the correct one.
  3. A PDF produced by Ksefly is a visualisation with no independent legal existence. Used outside KSeF it must carry the code giving access to the invoice in KSeF (art. 106gb(5) of the VAT Act) — the app puts it there. A PDF of an invoice KSeF rejected is not an invoice and should not be given to a customer.
  4. A submission KSeF has accepted cannot be taken back. The only way to fix a mistake is a correcting invoice.
  5. We do not store the FA(3) document itself on our servers — we fetch it from KSeF when it is needed.

§ 15. We are not your tax adviser

  1. Ksefly provides no tax advice, no legal advice and no accounting services, including no book-keeping.
  2. The figures, indicators, warnings, summaries and generated text in the app (including anything produced with the help of artificial intelligence) are informational help computed from your own data. They are not advice, an opinion or an explanation within the meaning of art. 2(1)(1) of the Polish Tax Advisory Act, and they do not replace a conversation with a tax adviser or an accountant.
  3. Tax estimates (VAT, income-tax advances) are based on settings you choose yourself and on the data in the app. Your tax settlements, and the content of your documents, are your responsibility.
  4. A payment confirmation produced by Ksefly is not a fiscal receipt and does not relieve you of any obligation to record sales on a fiscal cash register.

§ 16. Acting in KSeF for you, and who answers for the document

  1. By connecting a company you authorise us to act in KSeF on your behalf as far as the Service requires: sending invoices, fetching invoices and UPO confirmations, and keeping the session alive. We hold the credentials encrypted on our server; they never travel back to the app.
  2. You revoke that authority by removing the company from your account, deleting your account, or revoking the token or permission on the KSeF side. Revocation works for the future and does not remove invoices already issued.
  3. How responsibility divides:
    • yours is the content of the invoice: the parties, amounts, rates, item descriptions, dates and markings (such as MPP or an exemption), and the decision whether and when to send it;
    • ours is building the FA(3) document correctly from the data you entered and transmitting it to KSeF — within the limits of § 17.
  4. The app pre-checks a document before sending. That check is not a guarantee that KSeF will accept it, nor that it is correct for tax purposes.

§ 17. Liability

  1. We are liable for failure to perform or improper performance of the Service under the general rules of the Polish Civil Code, subject to the limits below.
  2. We are not liable for:
    • the availability, behaviour, decisions or outages of KSeF, of public registers (the VAT white list, GUS, VIES), of Apple, of Stripe or of telecommunications networks;
    • the correctness of data you entered yourself or that came from a public register;
    • the tax consequences of your decisions or the content of the documents you issue;
    • the consequences of losing your phone, your passcode or your KSeF credentials, or of giving them to someone else;
    • the operation of payment features to the extent it lies with Stripe, the card issuer or Apple;
    • the consequences of using the Service contrary to these terms or to the law.
  3. Nothing in these terms excludes or limits our liability for damage caused intentionally (art. 473 § 2 of the Civil Code) or any liability that cannot lawfully be excluded — including towards the person described in § 23(2).
  4. The most you can recover from us. If you run a business and this contract is professionally connected with it, our liability is limited. The ceiling is the sum of the commission you paid us in the 12 months before the event — and if you are on a free account, 1,000 zł. The limit does not apply where we caused the damage intentionally (§ 17(3)), nor to the person described in § 23(2).
  5. We are liable for our processors as for our own acts, to the extent they perform the Service for us.

§ 18. Particular risks

We are required to tell you about the risks of using services provided by electronic means:

  1. Phishing. We never ask for your KSeF token, your Trusted Profile password, a BLIK code or an SMS code. Never send us your KSeF token. A message asking for one is not from us.
  2. A lost or stolen phone. Anyone holding your unlocked phone can issue an invoice in your name. Turn on the app’s Face ID lock and a passcode; if you lose the phone, sign the device out and consider revoking the KSeF token.
  3. Submissions cannot be undone. An invoice KSeF has accepted is corrected only by a correcting invoice (§ 14(4)).
  4. Malware and unofficial copies. Only ever install Ksefly from the App Store.
  5. Public networks. All traffic is encrypted (TLS), but untrusted networks and devices still raise the risk.
  6. Notifications. Unless you turn details off in Settings, a notification may show the counterparty’s name and the amount on your lock screen.

§ 19. Personal data

  1. How we process personal data is described in the Privacy Policy, which forms part of the information given to you when the contract is concluded.
  2. Where we process the personal data of your counterparties on your behalf, we act as a processor, and the terms of that processing are set out in a separate data processing agreement. It carries the sub-processor list (Annex A) and is accepted together with these terms — no separate signature is needed.

§ 20. Complaints

  1. Send a complaint to help@ksefly.app, or in writing to the address in § 1(1).
  2. Please include: the e-mail address we should reply to, the company name or NIP concerned, what went wrong, when it happened, and — if you can — the invoice number or a screenshot. The more precise it is, the faster we can answer.
  3. We will consider the complaint and reply within 30 days of receiving it, to the address you wrote from (or the one you give in the complaint). If we need longer, we will say so before the deadline and give you an expected date.
  4. Complaints about payment transactions go to Stripe (§ 12(6)); as a payment service provider Stripe has its own statutory procedure and deadlines. Complaints about the subscription, its price or a refund go to Apple (§ 8).
  5. We have not committed to any consumer alternative-dispute-resolution body. For information: a consumer (and the person described in § 23(2), to the extent the law gives them that right) may seek help from a municipal or district consumer ombudsman (rzecznik konsumentów) or a consumer organisation.

§ 21. Changes to these terms

  1. We may change these terms for good reason: a change in the law, a change in the rules of KSeF, Apple or Stripe, a change in the scope or manner of the Service, a change of prices or commission, security requirements, or a decision of a public authority.
  2. We will tell you at least 30 days before a change takes effect, on a durable medium — as an in-app message you can save — and we will publish the new text at ksefly.app/en/terms with the date it takes effect. We do not notify by e-mail, because we do not hold your e-mail address (§ 1.1 of the privacy policy). The notice will say what changes and from when.
  3. Until the change takes effect you may terminate the contract with immediate effect — by deleting your account or by sending us a statement. If you have an active subscription, remember that auto-renewal is turned off in Apple’s settings; that is why we give at least a month’s notice, so that you can turn it off before the next charge. Turning off renewal takes effect at the end of the period you have already paid for, and any refund for an unused period is Apple’s decision (§ 8(2)) — we cannot make one.
  4. Using the Service after the change takes effect means you accept it.
  5. A change that only widens your rights, or that follows from a change in the law without affecting your obligations, may take effect sooner; we will say so in the notice.

§ 22. Point of contact and languages

  1. Our point of contact for users and authorities is contact@ksefly.app.
  2. We handle correspondence in Polish and English.

§ 23. Governing law, courts, and the nature of the contract

  1. This contract is governed by Polish law. That choice does not deprive you of the protection of mandatory provisions of the law of your country of habitual residence, where such provisions protect you.
  2. The “quasi-consumer” question — our position, flagged. Ksefly is a service for businesses. But if you are a natural person running a business and this contract does not have a professional character for you — assessed in particular against the scope of activity you disclosed in the Polish CEIDG register — then part of consumer-protection law applies to you, including art. 385(1)–385(3) of the Civil Code on unfair contract terms (via art. 385(5) of that Code) and the relevant provisions of the Consumer Rights Act (art. 7aa). The extent of that protection is contested in practice. We wrote these terms so that they do not depend on how the argument is resolved; the clauses that change with the answer are § 17(4) (the monetary liability cap — it does not apply to you) and paragraph 3 of this section (the competent court).
  3. Courts. Disputes with a user who is an entrepreneur contracting in the course of their professional activity are heard by the court with jurisdiction over Ksefly’s seat. Towards a consumer and towards the person described in paragraph 2, the general rules of jurisdiction under the Polish Code of Civil Procedure apply — the seat-of-provider clause does not apply to them.
  4. We do not condition the contract on you declaring that it has a professional character, and we ask for no such declaration when you create an account.

§ 24. Final provisions

  1. These terms are made available free of charge at ksefly.app/en/terms before the contract is concluded and at any time thereafter, in a form that lets you download, reproduce and store them.
  2. The Polish version prevails. This English text (ksefly.app/en/terms) is provided for convenience; in the event of any discrepancy, the Polish text at ksefly.app/regulamin governs.
  3. If any provision turns out to be invalid or ineffective, the remaining provisions stay in force and the applicable statutory rule takes the place of the invalid one.
  4. You may not transfer your rights and obligations under this contract without our consent. We may transfer ours on a sale of the business or part of it, telling you in advance and without making your position worse.
  5. Third-party brands and trademarks (Apple, Stripe) belong to their owners and are used descriptively only.

Annex 1 — model withdrawal form for the free-account contract

(Annex I(B) to Directive 2011/83/EU. Complete and return this form only if you wish to withdraw from the contract; deleting the account in the app is equally effective.)

  • To: developNET Maciej Matysiewski, ul. Nowowiejska 6/6, 00-649 Warszawa, Poland, contact@ksefly.app
  • I hereby give notice that I withdraw from my contract for the provision of the free Ksefly account
  • Date of conclusion of the contract (account creation):
  • Name:
  • Address:
  • E-mail address the account was created with:
  • Signature (only if this form is notified on paper):
  • Date:

Change log

VersionDateWhat changed
1.01 October 2026First version.