Terms & Conditions

Terms of Service for the Provision of Services by Electronic Means

Version 1.0 — effective from 1 July 2026

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§ 1. General provisions

1. These Terms of Service set out the rules for using the website available at hyllet.com and the rules for the provision of services by electronic means referred to in Article 8 of the Act of 18 July 2002 on Providing Services by Electronic Means.
2. The service provider and owner of the Website is WRTX sp. z o.o. with its registered office in Warsaw, at ul. Żelazna 67/17, 00-871 Warszawa, entered in the register of entrepreneurs of the National Court Register maintained by the District Court for the Capital City of Warsaw in Warsaw, under KRS number 0001181535, NIP 6793335275, REGON 542128364, share capital PLN 5,000.00.
3. Contact with the Service Provider: contact@hyllet.com.
4. These Terms of Service are made available on the Website free of charge, in a manner that allows their content to be obtained, reproduced and recorded using the ICT system employed by the User.
5. Use of the Website constitutes acceptance of these Terms of Service.

§ 2. Definitions

§ 3. Types and scope of services

1. Through the Website, the Service Provider provides the following Services free of charge: a) Access to the content of the Website — browsing information about the Service Provider and its services, as well as informational and educational materials; b) Contact form — sending an inquiry to the Service Provider and receiving a response; c) Waiting list and newsletter — receiving, at the e-mail address provided, information about the launch, development and terms of the Service Provider's services, as well as marketing content.
2. The Services are provided free of charge, for an indefinite period.
3. The Service Provider does not provide payment services, crypto-asset services, or other financial services through the Website. The Website is informational in nature, and the services presented on it — including hyllet.cash — are provided by separate entities on the basis of separate agreements, in accordance with § 7.

§ 4. Technical requirements

1. The following are necessary to use the Website: a) a device with access to the Internet, b) an up-to-date web browser supporting JavaScript and the TLS protocol, c) enabled support for necessary cookies, d) for the Services referred to in § 3(1)(b) and (c) — an active e-mail account.
2. The Service Provider advises that using services provided by electronic means involves the typical risks associated with the Internet, in particular the risk of malicious software, attempts at unauthorized access to data, and messages impersonating the Service Provider (phishing). We recommend using up-to-date antivirus software, keeping your system and browser updated, and verifying the sender's address of messages purportedly received from the Service Provider.
3. The Service Provider never asks Users to send a password, one-time code, wallet recovery phrase, or private key.

§ 5. Conclusion and termination of the service agreement

1. Access to the content of the Website — the agreement is concluded upon accessing hyllet.com in a browser and is terminated upon leaving the Website.
2. Contact form — the agreement is concluded upon sending an inquiry and is terminated upon completion of the correspondence or an earlier request by the User.
3. Waiting list and newsletter — the agreement is concluded upon the User's confirmation of sign-up by clicking the activation link sent to the e-mail address provided (two-step confirmation). Until then, the sign-up does not take effect.
4. By signing up for the Waiting list, the User consents to receiving commercial information by electronic means in accordance with Article 398 of the Act of 12 July 2024 — the Polish Electronic Communications Law.
5. The User may unsubscribe from the Waiting list and newsletter at any time and without giving a reason, by clicking the unsubscribe link included in each message, by replying STOP to an SMS message, or by sending a message to contact@hyllet.com. Unsubscribing is effective upon submission and is equivalent to termination of the agreement for the provision of that Service.
6. The Service Provider may terminate the agreement for the provision of a Service subject to a 14-day notice period, and in the event of a gross breach of these Terms of Service by the User — with immediate effect.

§ 5a. Waiting list — scope and effects of signing up

1. The Waiting list concerns features of the Hyllet App that have not yet been made available — in particular card payments and the purchase and sale of crypto-assets. Signing up is an expression of interest in these features and is free of charge and voluntary.
2. Signing up for the Waiting list does not mean: a) the conclusion of an agreement for any service, b) the creation of an account in the Hyllet App or the reservation of such an account, c) a guarantee that the features covered by the Waiting list will be made available, d) a guarantee of access to them once made available, or priority of access, e) a guarantee of any pricing or promotional terms, or of the scope of features, f) the creation of any obligation on the part of the User, including a financial one, g) the completion of identity verification — once the App is launched, verification must be carried out from the beginning with the entity that will then be providing the services requiring it.
3. Signing up for the Waiting list is independent of using the Hyllet App in its current scope. It is not required in order to use the available features and does not affect them. Using features made available in the future will require acceptance of the separate terms of service of the entities providing those services.
4. If the Service Provider decides not to make the features covered by the Waiting list available, it will inform the individuals signed up and delete their data within 30 days of making that decision.
5. If the features covered by the Waiting list are not made available within 24 months of signing up, the Service Provider will ask the User whether they wish to remain on the Waiting list. Failure to respond within 30 days will result in the deletion of the data.
6. The data of individuals signed up for the Waiting list is not used for purposes other than those indicated in these Terms of Service, nor transferred to third parties for marketing purposes.
7. Signing up for the Waiting list is also possible outside the Website, in particular from within the application of a partner entity. In such a case, the rules set out in this paragraph apply accordingly, and the Service Provider provides information on data processing before consent is given.

§ 6. Rules for using the Website

1. The User is obliged to use the Website in accordance with the law, these Terms of Service and good practice, with respect for the personal rights and intellectual property rights of third parties.
2. It is prohibited for the User to provide unlawful content, in particular content that infringes the rights of third parties, is offensive or misleading, contains malicious software, or constitutes unsolicited commercial information.
3. It is prohibited to undertake actions that disrupt the functioning of the Website, including attempts at unauthorized access, automated downloading of content on a scale that burdens the infrastructure, and circumventing security measures.
4. The User shall provide only truthful data and is entitled to use the e-mail address provided.

§ 7. Informational nature of the Website's content

1. The content published on the Website is informational and marketing in nature. It does not constitute an offer within the meaning of Article 66 § 1 of the Polish Civil Code, nor an invitation to conclude an agreement of a specific content.
2. The content of the Website does not constitute legal, tax, or investment advice, or a recommendation within the meaning of the provisions on trading in financial instruments.
3. The Website presents information about the Hyllet (e-wallet) application, owned by the Service Provider, and about the hyllet.cash feature — cash top-ups and withdrawals carried out through a network of partner currency exchange offices. The terms of use of the App are set out in the separate terms of service of the App.
4. The Service Provider supplies the application and technology solutions. The payment services and electronic money services available through the application are provided by Stabillon sp. z o.o. with its registered office in Warsaw, Aleje Jerozolimskie 123A, 02-017 Warszawa, KRS 0000682897, NIP 5272811301, REGON 367554369 — a domestic electronic money institution supervised by the Polish Financial Supervision Authority (KNF), entered in the register maintained by the Authority under number KIPE1/2019. The division of roles and the scope of liability of each entity are set out in the terms of service of the application and the terms of service of the electronic money issuer.
5. The Hyllet App is available with a limited scope of functionality, comprising a user account, an electronic money balance, and cash top-ups and withdrawals through the network of partner exchange offices (the hyllet.cash feature). The rules for using the App are set out in the terms of service of the App, and the rules for the provision of payment and electronic money services — in the terms of service of the electronic money issuer.
6. Other planned features of the App — in particular card payments and the purchase and sale of crypto-assets — are not available. They will be made available only after the relevant entity obtains the required authorizations. The scope of these features, their availability dates, and the identity of the entity that will provide them may change or may not be realized.
7. The Service Provider is not a bank, payment institution, electronic money institution, or crypto-asset service provider. The Service Provider does not provide payment services, does not accept funds or crypto-assets from Users, and does not act as an intermediary in their transfer.
8. The Service Provider exercises due care to ensure that the content of the Website is up to date and accurate, but does not guarantee its completeness or its fitness for the User's particular purpose. Information about services under preparation, including planned launch dates and the scope of functionality, may change.
9. Information concerning crypto-assets published on the Website is provided for informational purposes only. The value of crypto-assets is subject to significant fluctuations, and their use involves the risk of losing the entirety of the funds invested. Crypto-assets are not covered by the guarantee of the Bank Guarantee Fund (Bankowy Fundusz Gwarancyjny) or any other deposit guarantee scheme.

§ 8. Intellectual property rights

1. The Website, together with its elements — in particular its layout, graphics, texts, trademarks, logos, and software — is subject to the exclusive rights of the Service Provider or of entities with which the Service Provider has concluded appropriate agreements.
2. Use of the Website does not entail the acquisition of any rights to its elements. Use of the Website's content is permitted solely within the scope of the User's own personal use and within the limits of permitted use set out in the Polish Act on Copyright and Related Rights.
3. Copying, reproducing, and disseminating the content of the Website for commercial purposes requires the Service Provider's prior written consent.

§ 9. Liability

1. The Service Provider ensures the availability of the Website with due care, but reserves the right to technical interruptions necessary for maintenance, updates, or fault rectification.
2. The Service Provider shall not be liable for interruptions and malfunctions resulting from causes beyond its control, in particular force majeure, failures of telecommunications links, and the malfunctioning of the User's devices or software.
3. The Website may contain links to the websites of third parties. The Service Provider is not responsible for the content and operation of such websites, nor for the data processing practices they apply.
4. The limitations of liability set out in this paragraph do not apply to Consumers or to Entrepreneurs with the rights of a consumer, to the extent that mandatory provisions of law do not permit such a limitation.

§ 10. Complaints

1. Complaints regarding Services provided by electronic means may be submitted: a) by e-mail to contact@hyllet.com, b) in writing to the Service Provider's registered office address.
2. A complaint should include identification of the User (first and last name or business name, e-mail address), a description of the irregularity together with the date it occurred, and the expected manner of resolution.
3. The Service Provider will consider the complaint within 14 days of its receipt and will send a response to the e-mail address from which the complaint was sent, or to the indicated correspondence address. If the complaint requires supplementation, the Service Provider will request this without delay; the time limit then runs from the date of supplementation.
4. Failure to respond within the period referred to in paragraph 3 means that a Consumer's complaint is deemed justified.

§ 11. Out-of-court dispute resolution

1. A Consumer may make use of out-of-court means of handling complaints and pursuing claims, in particular by applying to a permanent consumer arbitration court or to the provincial inspector of the Trade Inspection with a request to initiate mediation proceedings.
2. A Consumer may obtain free assistance in a dispute from a poviat (municipal) consumer ombudsman or a social organization whose statutory tasks include consumer protection. Detailed information is available on the website of the Office of Competition and Consumer Protection (UOKiK): uokik.gov.pl.
3. The use of out-of-court means of handling complaints is voluntary and requires the consent of both parties.

§ 12. Protection of personal data

1. The controller of Users' personal data is the Service Provider.
2. The rules for processing personal data, including the purposes, legal bases, retention periods, and the rights of data subjects, are set out in the Privacy Policy available at hyllet.com/polityka-prywatnosci.
3. The rules for the use of cookies are set out in the Privacy Policy referred to in paragraph 2.

§ 13. Changes to the Terms of Service

1. The Service Provider may amend these Terms of Service for important reasons, in particular: changes in the law, changes in the scope or manner of providing the Services, changes to the Service Provider's registration data, or considerations of security or the prevention of abuse.
2. Users making use of Services of a continuing nature (Waiting list, newsletter) will be informed of any amendment to these Terms of Service by e-mail at least 14 days before the amendment takes effect.
3. A User who does not accept the amendment may terminate the agreement for the provision of the Service before the date the amendment takes effect, by using the unsubscribe link or by sending a message to contact@hyllet.com.
4. An amendment to these Terms of Service with respect to one-off Services does not affect Services performed before it takes effect.

§ 14. Final provisions

1. Polish law is the law applicable to these Terms of Service and to agreements concluded on their basis. The choice of Polish law does not deprive a Consumer of the protection afforded to them under mandatory provisions of the law of the country of their habitual residence.
2. Disputes with Users who are not Consumers shall be resolved by the court having jurisdiction over the Service Provider's registered office.
3. If any provision of these Terms of Service proves to be invalid or ineffective, the remaining provisions shall remain in force.
4. In matters not regulated by these Terms of Service, the provisions of Polish law shall apply, in particular the Polish Civil Code, the Polish Act on Providing Services by Electronic Means, the Polish Electronic Communications Law, the Polish Consumer Rights Act, and the GDPR.
5. These Terms of Service enter into force on 1 July 2026.