jakubmakurat.com | Jakub Makurat Efineo
| Website | https://jakubmakurat.com |
| Service Provider | Jakub Makurat, operating under the business name Jakub Makurat Efineo |
| Business Address | ul. Polska 39, 81-595 Gdynia, Pomeranian Voivodeship, Poland |
| Tax ID (NIP) / REGON | 5860201901 / 221489866 |
| Contact | kontakt@jakubmakurat.com, +48 663 882 663 |
| Version | 30 May 2026 |
These Terms and Conditions govern the use of the website available at https://jakubmakurat.com and the provision of electronic services and other services offered by the Service Provider.
The Website is owned and operated by Jakub Makurat, operating under the business name Jakub Makurat Efineo, with its business address at ul. Polska 39, 81-595 Gdynia, Pomeranian Voivodeship, Poland, Tax ID: 5860201901, REGON: 221489866.
The Service Provider can be contacted by email at kontakt@jakubmakurat.com or by phone at +48 663 882 663.
These Terms and Conditions constitute the terms for the provision of electronic services within the meaning of the Polish Act on Providing Services by Electronic Means.
The Website serves informational, educational, expert, branding, consulting, and commercial purposes. It is the main place where the author presents his experience, services, and materials in the areas of banking, fintech, business finance, business development, leadership, public speaking, mentoring, and strategic advisory.
Use of the Website is voluntary. Users must use the Website in accordance with applicable law, these Terms and Conditions, accepted standards of conduct, and with due respect for the rights of the Service Provider and third parties.
For the purposes of these Terms and Conditions, the following definitions apply:
The Website may include, in particular, a homepage, blog, expert articles, service descriptions, a contact form, a “Book a Consultation” form, newsletter sign-up, event information, downloadable materials, and, in the future, a digital product sales section.
The Service Provider provides, or may provide, services including strategic consulting, advisory services for banks, fintech companies and businesses, business and leadership mentoring, workshops, training sessions, public speaking, panel moderation, go-to-market strategy development, business development support, fintech project analysis, financial education for companies, and expert cooperation on B2B projects.
The detailed scope, format, timing, fees, and responsibilities of the parties for individual services may be set out separately in an offer, agreement, order, email correspondence, or confirmation of cooperation.
Unless expressly stated otherwise, the information presented on the Website does not constitute a binding offer within the meaning of the Polish Civil Code.
Users may contact the Service Provider using the contact form or the “Book a Consultation” form.
The forms may collect, in particular, the following information: full name, email address, phone number, company name, job title, message content, preferred discussion topic, and any information necessary to handle the enquiry.
Submitting a form does not automatically create a contract. A contract is concluded only after both parties confirm its terms.
Users should not provide special category data, confidential information, trade secrets, or third-party personal data through the forms unless this is necessary to handle the enquiry.
The Service Provider may decline to respond to an enquiry if its content violates the law, accepted standards of conduct, the rights of third parties, or falls outside the scope of the Service Provider’s business activity.
The Website allows Users to subscribe to the Newsletter. Subscription requires providing an email address and consent to receiving electronic communications.
The Newsletter may include educational content, market commentary, information about new publications, invitations to events, and information about the Service Provider’s services, materials, and offers.
Users may unsubscribe from the Newsletter at any time by using the unsubscribe link included in the email or by contacting the Service Provider directly.
Withdrawal of consent does not affect the lawfulness of any communications sent before that consent was withdrawn.
Payments for services or future Digital Products may be made by bank transfer or through online payment operators.
The available online payment operators are or may include PayNow and Autopay. Available payment methods depend on the current Website configuration and the payment operator.
PayNow is an online payment service associated with mBank S.A. Autopay is an online payment service provided by Autopay S.A.
The Service Provider does not store payment card details or full payment authentication data. Such data is processed by the relevant payment operators in accordance with their own terms and privacy policies.
The conclusion of an agreement and the start of service delivery may depend on payment of the full fee or an advance payment, if this follows from the offer, order, or the parties’ individual arrangements.
In the future, the Website may offer Digital Products such as e-books, reports, recordings, online courses, checklists, templates, or educational materials.
If a Digital Product is delivered immediately after purchase, the Consumer may be asked to consent to delivery beginning before the end of the 14-day withdrawal period and to acknowledge that the right to withdraw from the contract is lost once the digital content has been supplied.
Digital Products are intended for the Client’s own use only. Copying, reselling, publicly sharing, publishing, modifying, or commercially using them without the Service Provider’s prior consent is prohibited.
Detailed terms for the sale of Digital Products may be set out in separate terms and conditions or in an additional product description.
Consumers and Business Customers with Consumer Rights have the right to withdraw from a distance contract within 14 days, unless an exception applies under applicable law.
In particular, the right of withdrawal may not apply where a service has been fully performed with the Consumer’s express consent after the Consumer was informed that they would lose the right to withdraw, or where digital content not supplied on a tangible medium has been delivered with the Consumer’s consent before the withdrawal period expires.
For individual services such as speaking engagements, workshops, mentoring, or consulting, cancellation terms, rescheduling rules, and refund arrangements may be agreed individually.
If a Client cancels a service after the Service Provider has already started preparations, the parties may settle the fee in proportion to the work already carried out, where this follows from the arrangements made or from the nature of the service.
Complaints relating to the operation of the Website or the Services may be submitted by email to kontakt@jakubmakurat.com.
A complaint should include the complainant’s contact details, a description of the issue, the date of the event, and the preferred outcome.
The Service Provider will review the complaint within 14 days of receiving it, unless additional information from the Client is required.
Consumers may use out-of-court dispute resolution methods, including support from a municipal or district consumer ombudsman and the competent Trade Inspection authority.
The content published on the Website is provided for educational, informational, and expert purposes only. It does not constitute individual legal, tax, investment, financial, or accounting advice, nor does it constitute a recommendation within the meaning of financial market regulations.
The Service Provider makes reasonable efforts to ensure that the published content is accurate and up to date, but does not guarantee that it will be suitable for any User’s individual circumstances.
Users make business, financial, investment, and organisational decisions independently and at their own risk, where appropriate after consulting a qualified legal, tax, investment, or regulatory adviser.
The Service Provider is not liable for the consequences of relying on general Website content without taking the User’s individual situation into account.
All content, materials, texts, graphics, photographs, recordings, presentations, names, original concepts, workshop structures, and educational materials published on the Website or provided to Clients are protected by copyright law.
Without the Service Provider’s prior consent, it is prohibited to copy, distribute, publish, modify, record, resell, or commercially use any such materials.
Unless the parties agree otherwise in writing or by email, the Client may use materials provided as part of a service only for their own internal purposes.
Some content, analyses, drafts, or supporting materials may be created or edited with the assistance of artificial intelligence tools, always under the Service Provider’s supervision and full responsibility for their substance.
The use of AI tools does not automatically mean that the User’s personal data is processed within those tools.
If Client data is to be used in an external tool, this should result from separate arrangements, the scope of the service, or the Client’s consent.
The Service Provider does not recommend sending confidential information, trade secrets, regulated data, or special category data through the forms unless a secure communication channel has been agreed in advance.
The Service Provider may amend these Terms and Conditions, in particular in the event of changes in applicable law, changes to the scope of the Website, the introduction of new services, the launch of Digital Product sales, or changes to the technical tools used.
Any changes to these Terms and Conditions will not affect rights already acquired by Clients or the terms of individual agreements already concluded, unless the parties agree otherwise.
Any matters not governed by these Terms and Conditions are subject to Polish law.
These Terms and Conditions take effect on the date they are published on the Website.
Copyright © 2026. Jakub Makurat. All rights reserved.
