Regulations

Terms and Conditions of the Multi.Life Platform

These Terms and Conditions apply from February 14, 2025

§ 1. General Provisions. Definitions

1. These Terms and Conditions set out the rules of the use of the Multi.Life Platform and the services provided under the Multi.Life Programme.
2. The following capitalized terms used in the Terms and Conditions shall have the following meanings:‍
   1. ‍Multi.Life Application - a set of services and functions available to the User within the Multi.Life mobile application owned by Benefit Systems, allowing the use of the Multi.Life Platform. The application can be downloaded from the application shop relevant to a given mobile device.‍
   2. Benefit Systems - Benefit Systems S.A. with its registered office in Warsaw, address: Plac Europejski 2, 00-844 Warszawa, entered in the Register of Entrepreneurs of the National Court Register by the District Court for the Capital City of Warsaw in Warsaw, 13th Commercial Division of the National Court Register, under KRS number: 0000370919, NIP 836-16-76-510, REGON 750721670, BDO 000558784, e-mail: bok@benefitsystems.pl, phone number: (22) 242 42 42,‍
   3. Code - a one-time code generated via the Multi.Life Platform with a specific validity date, entitling a User with the relevant Multi.Life Programme package to use the Partner's Benefit on the Partner's Platform or at the Partner's outlet according to the rules described on the Multi.Life Platform in the relevant tab,‍
   4. Customer - an entity that has enabled an Employee and other users designated by that Employee (e.g. companions, children, young people, or seniors) to use the Multi.Life Programme,‍
   5. Consultation - a service made available to the User via the Multi.Life Platform, provided electronically by the Partner, according to the rules set out in these Terms and Conditions and other regulations applicable to the Multi.Life Platform, consisting in the provision of individual expert advice to the User (or conducting classes or conversations in a foreign language) by a Consultant with a specialisation chosen by the User from among the categories available on the Platform,‍
   6. Consultant - a specialist in the field indicated on the Multi.Life Platform from whom the User may book a Consultation,‍
   7. Account - the User's individual account held in their favour by Benefit Systems, enabling them to use of the Multi.Life Platform,‍
   8. Partner - an entity providing services to Users under the Multi.Life Programme on the basis of an agreement with Benefit Systems,‍
   9. Multi.Life Platform - the internet service available at multi.life, app.multi.life or via the Multi.Life Application, which is a set of services and functions available to the User of the Multi.Life Service after registration and after logging in to the Multi.Life Platform and a set of User data and settings related to the operation of the services after the User has logged in to the Account,‍
   10. Partner Platform - the Partner's website (which may also be in the form of a mobile application) that enables the User to provide the Service in accordance with the rules described in the terms and conditions of this service,‍
   11. Multi.Life Programme - a programme comprising a set of wellbeing services selected by Benefit Systems to meet the needs of the customer and provided to Users. A detailed range of services available for individual types of packages is specified on the Website under the "Multi.Life" tab,‍
   12. Terms and Conditions - these Terms and Conditions,‍
   13. Terms and Conditions of Electronic Services - "Terms and conditions of electronically supplied services by Benefit Systems S.A." available in the relevant tab of the Multi.Life Platform,‍
   14. Benefit - a service falling within the scope of the Multi.Life Service provided to the User by Benefit Systems or by a Partner.‍
   15. Customer Agreement - an agreement concluded between Benefit Systems and the Customer specifying the rules of the User's access to the Multi.Life Service, the enrolment of other Users (accompanying persons) and the type of Multi.Life Programme package the User is entitled to,‍
   16. Multi.Life Service - a named product issued by Benefit Systems entitling the User to use the services specified in the Multi.Life Programme, which are available for a given Multi.Life Programme package. A description of the individual Multi.Life Programme packages can be found on the Multi.Life Platform. The Multi.Life Service is issued only in the form of an electronic record (i.e. a Multi.Life Service number),‍
   17. User - means an individual using the Multi.Life Service in an authorised manner - individual functionalities of the Multi.Life Platform may include additional requirements for the User. A User may function on the Multi.Life Platform as:‍
       1. ‍Employee - an individual who is employed by the Customer under a contract of employment or who cooperates with the Customer on the basis of a contract of mandate, contract for the delivery of a specific work, cooperation agreement, contract for services or on any other legal basis,‍
       2. Accompanying Person – a User nominated by the Employee (depending on the agreement concluded between Benefit Systems and the Customer)‍
   18. External Payment Channel - an online payment system made available by an external payment service provider with whom Benefit Systems has entered into a service agreement, allowing online payment, or as otherwise agreed between Benefit Systems and the provider. The rules for making payments and processing sensitive data, using the External Payment Channel, are defined in the terms and conditions of the payment service provider.

§ 2. General Rules of the Multi.Life Programme

1. Benefit Systems is the provider of the Multi.Life Service. Multi.Life Service can only be obtained via Benefit Systems (or another company within the Benefit Systems capital group with which Benefit Systems has entered into a cooperation agreement).
2. The Multi.Life Service entitles the User, during its validity period, to use the Benefits included in a given Multi.Life Programme package and in accordance with the provisions of the Customer Agreement.
3. The Multi.Life Service is intended for personal use by the User. It is not permitted for the User to pass on access data to third parties or to use the Multi.Life Service for profit-making purposes.
4. Each User may only own one Multi.Life Service of a given type and only one Account
5. Subject to the specific provisions in the following section, the Multi.Life Service may only be used by a User who:
   1. is of full legal age and has full legal capacity; or
   2. is at least 13 years of age and has at least limited legal capacity and who has the consent of a parent or legal guardian to use the Multi.Life Service.

6. The consent referred to in section 6(b) shall be given before the minor joins the Multi.Life Programme.
7. If pursuant to the Customer Agreement, a User who is an Employee may nominate another natural person as an Accompanying Person to participate in the Multi.Life Programme. The number of Accompanying Persons that the User may nominate and the rules for their use of the Benefits are set out in the Customer Agreement. Information on the rules under which Companions may use the Multi.Life Programme and the number of such persons will be provided to the User by the Customer.
8. The ordering of the Multi.Life Service and the participation in the Multi.Life Programme is entirely voluntary, which means that the Eligible Person makes their own decision regarding the enrolment of themselves and, if applicable, the Accompanying Persons, unless it follows from the Customer Agreement that it is the Customer who enrols the Employees in the Programme, in which case it shall be up to the Employee to decide whether and to what extent they wish to use the Multi.Life Programme
9. The fact that an unauthorised person has gained access to the Multi.Life Service must be reported immediately to Benefit Systems at: bok@benefitsystems.pl.
10. Benefit Systems shall have the right to deactivate the Service if it is found that the User (or the Accompanying Persons enrolled by the User) violates these Terms and Conditions, or if the User does not receive remuneration for their participation in the Multi.Life Programme in accordance with the provisions of the Customer Agreement. The User and the Customer shall be informed of the deactivation of the Service in the event that the Service is found to be used in violation of these Terms and Conditions, unless otherwise specified in the Customer Agreement.
11. The Multi.Life Service is not a health care service within the meaning of the Act of 15 April 2011 on Medical Activity. The recommendations which the User receives within the individual categories of functionality of the Multi.Life Service do not replace contact with a physician.

§ 3. Benefits Access Rules

1. The type of Multi.Life Service package and the scope of Benefits to which the User is entitled results from the Customer Agreement.
2. If it follows from the Customer Agreement, the User who enrols in the Multi.Life Programme shall be assigned a Multi.Life Service number before the start of the first billing period. Alternatively, the Customer shall provide the User with a dedicated registration link and verifiers for enrolling in the Multi.Life Programme.
3. Depending on the Customer Agreement, in order to enable taking advantage of the Benefits:
   1. the User registers or logs in to the eMultiSport system and then, upon accessing the Multi.Life Platform, provides the Multi.Life Service Number provided (where the User has received notification of such number by email) or other identification data in accordance with the content of the Customer Agreement and the rules set out in the Terms and Conditions of Electronic Services;
   2. the User receives a link to the registration form. After entering the link, the User registers, or logs into the eMultiSport system and is then automatically redirected to the Multi.Life product registration form. Once the User has correctly entered the verifiers in accordance with the Customer Agreement, the User is granted access to the Benefits for the respective Multi.Life Programme package.

4. It is not possible to use the Services without the User having an active Account, unless otherwise stated in the Partner's separate rules for the provision of the respective Benefit.
5. A User's decision not to hold an Account shall not imply withdrawal from participation in the Multi.Life Programme.
6. Cancellation of the Multi.Life Service shall be made in accordance with the rules set out in the Terms and Conditions of Electronic Services.
7. Intellectual property rights to all elements of the Multi.Life Program, such as functionalities, texts, graphics, logos, icons, images, photographs, audio files, video files, data files, presentations, computer programs, navigation solutions, selection and arrangement of content presented within the Multi.Life Programme and any other data, are protected by intellectual property rights (copyright, trademark protection rights or other exclusive rights) vested in Benefit Systems or entities with which Benefit Systems has entered into an agreement for the use of such content for the purpose of providing the Multi.Life Service. The elements comprising the Multi.Life Service may not be fixated, reproduced, distributed in any form or manner, or traded without the prior written permission of Benefit Systems. Benefit Systems is the sole owner of the copyright in the Multi.Life Programme and in any of its elements. Unless otherwise specified within terms and conditions of the specific Benefit,  by using the Multi.Life Service, Users do not acquire any copyright, subsidiary rights, similar rights or obtain any licences, unless otherwise provided by the specific Benefit provisions .
8. The use of the Multi.Life Platform is subject to separate rules set out in the Terms and Conditions of Electronic Services. In addition, some of the Benefits available under the Multi.Life Programme may be provided to Users on the basis of separate rules or regulations defined by Benefit Systems or Partners, of which the User shall be informed each time before using the service.
9. As part of the Multi.Life Programme, the User may use Benefits provided by Partners. In the event that a given Partner is the provider of the Benefit, the User shall be informed of this fact.
10. Access to the Multi.Life Programme Benefits may be subject to a fee for Users in the amount and on the terms and conditions specified in the agreement with the Customer. In addition, the User shall meet the costs of data transmission required to launch and use the Multi.Life Platform in the amount specified by the telecommunications operator whose services the User uses.

§ 4. Functions of the Multi.Life Platform and Communication with the User

1. As part of the Multi.Life Platform, the User may use, among other things, the following functionalities:
   1. User account;
   2. Home screen;
   3. Access to Benefits and information about the Benefits available under the package;
   4. “Explore” Functionality enabling: an access to content regarding among others: health, wellbeing, mindfulness and personal development, language learning in the form of audiovisual material, videocasts, podcasts and audio courses, quizzes, webinars, audio books, articles, courses provided by Benefit Systems or Partners. Via the ‘”Explore” Functionality, the User can also access the services provided either onsite or remotely by the Partners, in particular health services. In addition, the User has the possibility to select a relevant thematic profile from those available on the Multi.Life Platform in order to display on the home screen the content and functionalities based on the User choice and to receive notifications by email;
   5. Ability to use a code generated in the Multi.Life Service for a Partner Benefit, e.g. bike rental, cinema ticket;
   6. Ability to create a code enabling use of the MultiSport Service by the User owning active MultiSport Card according to the Terms and Conditions for Card use under the MultiSport Programme;
   7. The “Ask” functionality including thematic chats with an experts; chat with an AI assistant and nutritional analysis of the meal.
   8. The “Consult” Functionality including: the ability to sign up for a Consultation; a calendar to manage Consultations, including cancellation of Consultations; a dedicated chat with a Consultant; access to the recommendations provided by the Consultant as well as the purchase of additional Consultations beyond the Multi.Life Programme package.
   9. The ‘Achieve’ Functionality containing: the ‘My Profile’ tab, through which the User can obtain information on the use of the Multi.Life Service and on the User's activities. Additionally, the User may establish the health, well-being or personal development goals. Part of the ‘Achieve’ Functionality is the ‘My Wellbeing’ Functionality which allows the User to examine his/her wellbeing.
   10. Access to other types of content intended for Users, including, for example, the Terms and Conditions, additional information on the Benefits and surveys;
   11. Chat with a member of the Benefit Systems helpline;

2. Benefit Systems may enable Users to use services other than those listed in section 1 above and described in the Multi.Life Platform or after informing users of the rules applicable to the service in question under separate regulations.
3. Having access to the Multi.Life Service may entail Users receiving email correspondence concerning the use of the Multi.Life Platform. Benefit Systems may inform Users by e-mail about the functionalities available on the Multi.Life Platform, new Benefits, or other issues relevant to the User's use of the Multi.Life Platform. Irrespective of mailings, Benefit Systems shall inform Users on the matters in question via notifications displayed on the Multi.Life Platform, which notifications form an integral part of the Multi.Life Platform.
4. Benefit Systems shall send the User email notifications about upcoming events organised via the Multi.Life Platform, new events available on the Multi.Life Platform, changes in the availability of Partners, and other changes or updates related to the User's activity on the Multi.Life Platform. A User wishing to opt-out of said email notifications may deactivate this functionality by clicking on the active link named "unsubscribe" (or similar) found in each message sent in the mode described herein.

§ 5. "Explore" Functionality

1. The "Explore" functionality enables the use of the Benefits including, in particular, educational video courses audiovisual materials, videocasts, podcasts and audio courses, quizzes, webinars, audiobooks, articles, courses provided by Benefit Systems or Partners, including the Benefits provided by Partners on Partner platforms. As part of the " Explore " functionality, you may be able to access Benefits, including Benefits provided by Partners through the Partner Platform including but not limited to:
   1. remote medical advice;
   2. language courses and lessons with teachers;
   3. e-books;
   4. access to webinars and events;
   5. educational films on personal development, well-being;
   6. educational videos, instructions, and fitness tips.

2. The use of certain Benefits under the " Explore" Functionality may require the User to provide a Code generated via the Multi.Life Platform, of which the User shall be informed in the description of the respective service on the Multi.Life Platform. The Code is intended for the exclusive use by the User and may not be shared with third parties. Details of the Code, including its validity and information on how to use it, are indicated in the description of the relevant service on the Multi.Life Platform.
3. Where the Benefit is provided by a Partner on the Partner's platform, the User shall be informed of transfer to the Partner's platform and, if applicable, that the User's personal data will be transferred to the Partner to enable the Benefit to be provided.
4. The " Explore " functionality enables the User to select thematic programmes of interest to the User. Once the User has selected the relevant thematic programme from those available on the Multi.Life Platform, Benefit Systems will display to the User on the home screen in the first instance, content on the subject selected by the User.
5. The selection of thematic programmes can be updated at any time by subscribing or unsubscribing to a specific thematic programme via the “Explore” tab.

§ 6. "Ask" Functionality

1. The “Ask” functionality allows access to:
   1. general chat with an expert;
   2. chat with a Consultant as referred to in § 7.13 of the Terms and Conditions;
   3. AI assistant;
   4. chat – technical support.
2. General Chat and AI Assistant are used to answer the User's questions that do not require a Consultation.
3. The chat covers, inter alia, the following subject areas:
   1. Healthy eating;
   2. Physical form;
   3. Stress management and motivation.
4. The threads within the general chat are grouped into the following tabs:
   1. Current - the conversation with the User is ongoing;
   2. Archived - threads that have been closed by an expert after advice has been given to the User.
5. By selecting a specific tab, the User chooses whether the answer is to be given by an expert in the general chat or by an AI assistant.
6. The general chat will be answered not later than 3 working days after the question is asked.
7. The expert may refuse to answer a question if it:
   1. contravenes the Terms and Conditions or other Benefit Systems regulations;
   2. contains illegal content or otherwise violates applicable law or the principles of social coexistence;
   3. goes beyond the competence of the expert and the subject of the chat;
   4. requires the acquisition of detailed information about the User that can be obtained exclusively during the Consultation.
8. The quality of the User's service within the "Ask" functionality depends on the interaction between the User and the expert - in particular, the quality of the feedback may depend on the correctness and detail of the question asked and the supplementary information provided to the expert by the User;
9. The expert, after answering the User's question, may close a given thread. In this case, the conversation with the expert will be moved to the "Archive" tab.
10. The “Ask” functionality also makes it possible to perform a nutritional analysis of a meal.
11. To perform the analysis, the User must take and upload a photo of the meal to the Multi.Life Application, then an AI consultant will perform a nutritional analysis of the meal shown in the photo, including:
    1. calories;
    2. protein;
    3. carbohydrates;
    4. fats.

12. Nutritional analysis shall be available exclusively on the Multi.Life Application.
13. Benefit Systems stipulates that the meal analysis values are approximate and the accuracy of the results depends on the quality of the photograph taken.
14. The technical AI chat is accessible by clicking on the checkmark in the bottom right corner of the screen and is used to ask questions of a technical nature about the operation of the Multi.Life Platform.

§ 7. "Consult" Functionality

1. Consultations are made available to Users as part of the relevant Multi.Life Programme package. The type and duration of the Consultation and the number of Consultations available per month depend on the type of Multi.Life Programme package the User has.
2. Consultations are provided by specialists in selected fields indicated on the Multi.Life Platform. The current list of Consultants is displayed in the "Arrange a Consultation" tab (or the corresponding one) on the Multi.Life Platform.
3. Consultations are provided by a Benefit Systems internal Consultant or by a Partner. If the Consultant is a Partner, the Partner as service provider shall be solely responsible for the content quality of the Consultation. When registering for a Consultation, the User shall be provided with information on whether the Consultation is supplied directly by Benefit Systems or by a Partner.
4. Consultants on the Multi.Life Platform are labelled as internal consultants or as external consultants (i.e. Partners).
5. In the case of selected Consultants, the User may choose the language in which the Consultation is to be conducted from the languages specified by the Consultant.
6. A User entitled to a Consultation shall be free to choose a Consultant and a convenient date for the Consultation, as well as to indicate the subject of the Consultation. Prior indication of the subject of the Consultation may be required by a specific external consultant if justified by the subject of the Consultation.
7. Benefit Systems does not guarantee the invariability of the list of Consultants, so please check in advance each time that the Consultant with whom the Consultation is to be carried out is on the list of Consultants.
8. Please note that the number of available Consultation dates is limited.
9. To arrange a Consultation, the User shall select a Consultation date from those available in the calendar on the Multi.Life Platform and, if justified by the topic of the Consultation, take a test or complete a preliminary questionnaire related to the topic of the Consultation, use the appropriate function to consent to Benefit Systems transferring their personal data to an external Consultant, if required, and then express their desire for a Consultation by pressing the "Sign Up" button (or equivalent).
10. Once a Consultation has been arranged, the User shall receive an email confirmation with a link to the Consultation, and the arranged Consultation will appear in the "Your Consultations" tab on the Multi.Life Platform. The User shall also receive a reminder message about the upcoming Consultation. Using this tab, the User will be able to:
    1. verify the status of the Consultation;
    2. contact the Consultant by means of the chat referred to in section 13 below;
    3. cancel the Consultation;
    4. read the materials attached by the Consultant and the recommendations.

11. Using a Consultation shall not oblige the User to continue using the Consultation.
12. The User may cancel an arranged Consultation at any time using the relevant "Cancel Consultation" function of the Platform  (or equivalent) or by contacting the Benefit Systems helpline (by email, telephone, or chat). Please cancel the Consultation well in advance to allow others requiring guidance to use the available appointment dates. If a Consultation is cancelled without giving 24 weeks' notice, the Consultation will be forfeited and will not be available for another date. The User will receive an email confirmation of the cancellation of the Consultation.
13. If applicable to the specific Consultant, 24 hours before the Consultation, a dedicated chat with the Consultant in charge of the Consultation may be launched. The purpose of the dedicated chat is to send the Consultant information that may be relevant to the Consultation, as well as communication summarising the completed Consultation. Benefit Systems reserves the right to close the chat if the thread is substantively exhausted.
14. The consultation is conducted in the form of a conversation or video call (depending on the User's preference) via Google Meets or another tool indicated by Benefit Systems.
15. In the case of a Consultation with a minor User, the Consultant may request a legal guardian to attend the Consultation.
16. As part of the Consultation, the Consultant verifies the User's identity (by ascertaining the User's name and surname) and then interviews the User taking into account their specialisation and the User's needs. For the purposes of making the Consultation as effective as possible, it is recommended that the User clearly communicates to the Consultant their expectations of the Consultation.
17. Punctuality on the part of the User is required for the correct execution of the Consultation. If there is a delay of more than 15 minutes on the User's side, the Consultant shall not be obliged to perform the agreed Consultation. Any delay on the User's part shall not extend the duration of the Consultation.
18. If the User is inactive for 5 minutes during an ongoing Consultation, the Consultant may terminate the call.
19. In the case of Consultations relating - even indirectly - to health, in particular psychological or dietary Consultations, the advice provided in the Consultation is intended for general information only and is not a substitute for medical advice. In the event of health problems, the User shall consult a doctor independently of the Consultation.
20. The User acknowledges that:
    1. the proper provision of the service requires the User's due cooperation with the Consultant during the Consultation - in particular, the quality of the Consultation may depend on the correctness and detail of the information provided to the Consultant by the User;
    2. Consultations on health or wellbeing do not guarantee the outcome expected by the User, due to the complexity of health issues affecting the effect of the advice given;
    3. the consultation is intended solely for the User's own use, for non-commercial purposes and may not be used in part or in whole for any other purpose, in particular of an advisory or informative nature for others, or for comparative or illustrative purposes.

21. The User shall not be entitled to publish during the ongoing Consultation any material or content of an unlawful nature, infringing the legitimate interests of Benefit Systems, the Consultant, the Partner or other third parties, or content which is contrary to the principles of social coexistence.
22. The right is hereby reserved on the part of the Consultant to discontinue an ongoing Consultation or to refuse to provide further Consultation in the event that:
    1. the User is acting in breach of the Terms and Conditions;
    2. the User's behaviour is abusive, infringes the expert's personal interests or there is a reasonable suspicion that the User is under the influence of alcohol, drugs, narcotics, or other substances with similar effects.

23. In order to ensure the proper conduct of the Consultation, Benefit Systems makes the following personal data of the User available to the Consultant: the User's name, surname  and organisational information about the Consultation (including its date, the subject of the Consultation, if any). In connection with the sharing of personal data referred to in the previous sentence, the Consultant becomes a separate controller of the Users' personal data.
24. In connection with the conduct of the Consultation, the Consultant does not provide Benefit Systems with any personal data of Users on the subject of their health.

§ 8. Rules for Ordering Paid Consultations

1. Users who are not entitled to a Multi.Life Consultation as part of the Multi.Life Service, or who wish to increase the number of Consultations beyond their Multi.Life Programme package, may use the Multi.Life Platform's additional feature allowing them to purchase a Consultation of their choice from a Partner according to the rules set out below. User acknowledges that the opportunity to purchase such additional Consultations applies exclusively to the specific Consultants.
2. The User acknowledges that by placing an order for the purchase of a Consultation provided by a Partner and making a payment, they enter into an agreement with the Partner as the entity responsible for providing the service. The Partner's details are provided in the profile of the respective Consultant. Benefit Systems is the intermediary in the purchase transaction between the User and the Partner and is responsible for collecting the payment due for the purchase of the Consultation via the External Payment Channel and for refunding the payment if the User exercises their statutory right to withdraw from the remote transaction.
3. An agreement with a Partner is concluded for the provision of a Consultation. In order to arrange a Consultation, the User shall select the date of the Consultation from those available in the calendar on the Multi.Life Platform, by means of the relevant function give their consent to the processing of personal data by Benefit Systems and then express their wish to order a given Consultation by pressing the "Order and pay" button (or equivalent). By selecting "Order and pay" or equivalent, the User makes an offer to the Partner to enter into an agreement to purchase the Consultation. The User is then redirected to the External Payment Channel and the transaction on the Multi.Life Platform can only be completed if the authorisation in the External Payment Channel is successful. In the event of an unsuccessful payment via the External Payment Channel, the transaction shall be automatically cancelled.
4. Once the payment has been made, the User shall receive confirmation of the payment and confirmation of the transaction as proof of entitlement to the Consultation, which constitutes confirmation of the conclusion of the agreement with the Partner.
5. Once an agreement for the purchase of a Consultation has been concluded and payment has been made via an External Payment Channel, the User may use the Consultation on the date ordered.
6. Detailed rules for the conduct of the Consultation are described on the Multi.Life Platform next to the offer of the respective Consultation.
7. The amount of payment for the Consultation is specified in Polish zloty and is indicated on the Multi.Life Platform at the time the User places the order.
8. The User makes the payment themselves. Benefit Systems does not charge the User any fees for processing payments via the External Payment Channel.
9. The User acknowledges that the entity solely responsible for issuing the accounting document relating to the purchase of the Consultation in accordance with applicable law is the Partner with whom the order was placed.
10. A User who has purchased a Consultation via the Multi.Life Platform shall have the statutory right to withdraw from the agreement without stating reasons within 14 days of the conclusion of the agreement, i.e. from the date of receipt of the confirmation referred to in section 4.
11. In order to exercise the right of withdrawal, it shall be sufficient for the User to send - before the expiry of 14 days after the purchase of the Consultation - a statement of withdrawal (for example, submitted on the statutory withdrawal form or in writing sent by post or email) to Benefit Systems or the Partner
12. The right of withdrawal from a concluded agreement shall not apply to a Consultation which has been carried out on behalf of the User.
13. If the User withdraws from the agreement for the purchase of the Consultation, Benefit Systems shall refund to the User the amount paid for the purchase of the Consultation.
14. The performances shall be reimbursed immediately, not later than within 14 days of Benefit Systems' receipt of the User's declaration of withdrawal from the Contract.
15. Notwithstanding the User's right to withdraw from the agreement for the purchase of a Consultation, the User may reschedule an ordered and paid Consultation at any time using the relevant function of the Multi.Life Platform or by contacting the Benefit Systems helpline (by email, telephone, or chat). If the Consultation is cancelled, a refund of the amount paid shall be made.
16. The User will receive an email confirmation of the cancellation of the Consultation.
17. The provisions of §7 shall apply mutatis mutandis.

§ 9. "Achieve" Functionality

1. Within the "Achieve" Functionality, the User has access to the following tabs:
   1. My Profile;
   2. Objectives.
2. Via the "My Profile" tab, the User can access information on the use of the Multi.Life Service and it allows the viewing of information on the User's activities, containing among others:
   1. the number of steps taken during the day and calories burned;
   2. body weight;
   3. viewing of results within the "My Wellbeing" functionality;
   4. virtual nutritional analysis “Nutrition.”

3. Depending on the consent given, the "My Profile" functionality may obtain the User’s personal data from other mobile applications that monitor their activities throughout the day.
4. In order to function properly, the "My Profile" tab requires entering the User’s personal data, including, in particular, gender, age, weight, height and activity level. The User may enter their personal data in the appropriate fields under the My Account - My Data tab.
5. The "Goals" tab allows the User to specify objectives. The Goals will be achieved through your use of the Multi.Life Platform functionalities and Benefits.
6. The “Nutrition” virtual nutritional analyst allows Users to perform a nutritional analysis of their meal.
7. In order to perform the analysis, the User should take a photo of the meal and then upload it to the Multi.Life mobile app, then an AI consultant will perform a nutritional analysis of the meal shown in the photo by following categories:
   1. calories;
   2. protein;
   3. carbohydrates;
   4. fats.

8. The virtual nutritional analyst is available exclusively on the Multi.Life Application.
9. Benefit Systems stipulates that the meal analysis values are approximate and the accuracy of the results depends on the quality of the photograph taken.

§ 10. "My Wellbeing" Functionality

1. The purpose of the “My Wellbeing” Functionality is to raise the User's awareness of their wellbeing, including how the User's wellbeing compares to a larger study group and to provide general recommendations to improve the User's quality of life.
2. The “My Wellbeing” functionality is available as part of the Achieve functionality on the My Profile tab.
3. Only a person of full legal age and legal capacity may use the "My Wellbeing" Functionality. By using the "My Wellbeing" Functionality, the User confirms that they are of full legal age and that they have full legal capacity.
4. The "My Wellbeing" functionality entitles the User to complete a wellbeing survey covering selected areas of life, including:
   1. physical health;
   2. mental health;
   3. inner peace;
   4. contact with nature;
   5. relationships with others;
   6. living comfort.

5. Once the survey has been completed and the “Confirm and Complete Survey” button has been pressed, Benefit Systems will immediately generate a Report including:
   1. score of the results of the survey in each area on a scale of 0-10;
   2. summary score on the survey results on a scale of 0-10;
   3. comparison of the sub-scores achieved and the aggregate score with the average scores in each area and the aggregate score;
   4. graph to compare the sub-scores to date and the aggregate results achieved in the previously completed surveys;
   5. recommendations that can improve the quality of life in areas requiring action - including a catalogue of recommended services made available to the User on the Multi.Life Platform.
6. The average score to which the user's score is compared was determined by Benefit Systems on the basis of a nationwide survey conducted on a representative research sample.
7. Once the survey has been completed, a report will be generated in the User's account.
8. The User can only view the report after the survey has been completed.
9. Starting another survey prevents the report from being viewed until the survey is completed or cancelled.
10. Results from individual surveys are retained on a monthly basis. Taking another survey in the same calendar month will overwrite the previous result. The performance history available in the report only takes into account the results of the most recent survey taken in the calendar month.
11. If the survey is not completed for a period of 24 hours from the time it is started, the survey will be automatically cancelled.
12. The User acknowledges that the final report will be influenced by the User's answers given in the survey. Benefit Systems shall not be responsible for the accuracy of the results presented in the Report.

§ 11. Liability

1. The rules of liability of Benefit Systems for the functioning of the Multi.Life Application and the Multi.Life Platform are set out in the Terms and Conditions of Electronic Services.
2. Benefit Systems shall not be liable for the functioning and availability of the Partner Platforms. The rules of functioning and the Partner's liability for the functioning of the Partner Platform are regulated by the terms and conditions of this platform adopted by the Partner.

§ 12. Final Provisions

1. Users may submit complaints to Benefit Systems in connection with their use of the Multi.Life Programme or the Service (including ordering a Service). A complaint may be submitted:
   1. in electronic form and sent to Benefit Systems electronic address: reklamacje@benefitsystems.pl; or
   2. in writing and sent to Benefit Systems S.A. at Plac Europejski 2, 00-844 Warszawa with the annotation " Multi.Life Service Complaint ".

2. In the complaint, the User shall include their name, surname, the number of the Service and a description of the problem that has arisen, as well as a demand for specific action on the part of Benefit Systems (the User's demand). Benefit Systems shall promptly, but not later than within 14 days of receiving the complaint, consider the complaint and send its response to the User's e-mail or postal address, depending on how the complaint was received, as stated in the complaint.
3. Benefit Systems informs Users who are consumers about the possibility to use out-of-court procedures for dealing with complaints and claims. The rules of access to these procedures are available at the offices or websites of the entities authorised to handle out-of-court disputes. They may include, in particular, consumer ombudsmen or Voivodship Trading Inspectorates, the list of which is available on the website of the Office of Competition and Consumer Protection. Benefit Systems informs that a platform for online dispute resolution between consumers and businesses at EU level (ODR platform) is available at http://ec.europa.eu/consumers/odr/. Benefit Systems does not use out-of-court dispute resolution as referred to in the Act of 23 September 2016 on Out-of-court Resolution of Consumer Disputes.
4. These Terms and Conditions do not exclude or limit any rights of Users who are consumers, to which they are entitled under mandatory legal provisions.
5. If any provision of the Terms and Conditions of Use proves or is declared invalid by a final court decision, all other provisions of the Terms and Conditions of Use shall remain in force.
6. Polish law shall govern all disputes relating to the Terms and Conditions. Such disputes shall be resolved by the locally competent common court of law.
7. Any information related to the use of the Multi.Life Programme or the Service can be obtained by writing to the e-mail address: bok@benefitsystems.pl or by post to Benefit Systems S.A.: Plac Europejski 2, 00-844 Warszawa with the annotation "bok - Multi.Life Service" or by calling the helpline number (22) 242 42 42. The cost of the call is according to the operator's rate for domestic calls.
8. Users' personal data shall be processed in accordance with the applicable legislation to the extent necessary to provide the Multi.Life Programme service. Detailed information about the processing of personal data can be found at https://www.benefitsystems.pl/polityka-prywatnosci/. Questions about personal data protection should be sent by e-mail to daneosobowe@benefitsystems.pl, by telephone at (22) 242 42 42 or by post to Benefit Systems S.A. at: Plac Europejski 2, 00-844 Warszawa with the annotation "personal data".
9. The User shall be responsible for securing the Service number against unauthorised access.
10. Benefit Systems shall be entitled to amend the Terms and Conditions in the following cases:
11. changes in legislation that directly affect the content of the Terms and Conditions;
    1. imposition of certain obligations by state authorities;
    2. improvement of the operation of the Multi.Life Platform and the User service, including improvement of the protection of Users' privacy;
    3. introduction of technological and functional changes;
    4. making changes to the Multi.Life Programme services provided, including the introduction of new ones;
    5. for security reasons and to prevent abuse;
    6. editorial changes to the Terms and Conditions.

12. Benefit Systems reserves the right to amend these Terms and Conditions with 14 calendar days' notice. Users shall be informed of the change to the Terms and Conditions. In addition, information about the change to the Terms and Conditions as well as a description of the change to the Terms and Conditions shall be published on the Multi.Life Platform. If the User does not agree with the changes to the Terms and Conditions, they may opt out from the Multi.Life Programme at any time on the terms described in the agreement concluded with the Customer (for this purpose, the User may contact the Customer or Benefit Systems using the contact details given in section 1 above or, if the User has access to the eMultiSport Platform, they may report the opt-out through this Platform). The Terms and Conditions and their amendments are available on the on the Multi.Life Platform under Terms and Conditions tab.
13. Benefit Systems reserves the right to terminate the Multi.Life Service and/or the Multi.Life Platform. In the event of a planned termination of the Multi.Life Service and/or the Multi.Life Platform, a message shall be posted on the Multi.Life Platform indicating the final date of availability of the Multi.Life Service.
14. The Terms and Conditions as amended shall come into effect as of 14 February 2025.