Regulations

Terms and Conditions of the MultiLife 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.

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.

TERMS AND CONDITIONS OF USE OF SERVICES UNDER THE MULTI.LIFE PROGRAMME

These Terms and Conditions are valid until 13.02.2025.

§ 1. General Provisions

The capitalised words and phrases used in these Terms and Conditions shall have the following meanings:

1. Benefit Systems – Benefit Systems S.A., with its registered office in Warsaw, at the following address: Plac Europejski 2, 00-844 Warszawa, entered in the register of entrepreneurs of the National Court Register (KRS) kept by the District Court for the Capital City of Warsaw in Warsaw, 13th Commercial Division of the National Court Register, under No. KRS: 0000370919, Tax Identification Number (NIP): 836-16-76-510, Statistical Number (REGON): 750721670, e-mail: bok@benefitsystems.pl.
2. Service, Multi.Life Service – a personal product issued by Benefit Systems granting the User the right to use the services specified in the Multi.Life Programme which are available for the given type of the Service. The Service shall only be released in the electronic format (as a Multi.Life Service number).
3. Customer – an entity which has enabled the User to use the Multi.Life Programme or the MultiSport Programme.
4. Partner – an entity which provides services to the Users as part of the Multi.Life Programme on the basis of a contract with Benefit Systems.
5. Employee – a natural person who is an employee of the Customer under a contract of employment or one who collaborates with the Customer under a contract of mandate, task-specific contract, cooperation agreement, service contract or on a different legal basis.
6. Multi.Life Programme – a programme comprising a selection of wellbeing services customized by Benefit Systems for the Customer and provided to the Users. A User may only participate in the Multi.Life Programme if the Customer has enabled him/her to use the Multi.Life Programme. The detailed scope of services available for different types of Multi.Life Services is specified on the Website.
7. MultiSport Programme – a programme comprising a selection of sports and recreation services customized by Benefit Systems for the Customer and provided to the Users. A User may only participate in the MultiSport Programme if the Client has enabled him/her to use the MultiSport Programme. The detailed scope of services available for different MultiSport card types is specified on the Website.
8. Terms and Conditions – these terms and conditions.
9. Terms and Conditions of Electronic Services – “Terms and Conditions of Electronically Supplied Services of Benefit Systems S.A.” as available in the dedicated tab of the Multi.Life Platform.
10. Multi.Life Platform – website available at Multi.Life.com.pl, which is a collection of services and functionalities available to the Multi.Life Service User after registration and logging into the Multi.Life Platform, and a set of User data and settings related to operation of services after logging in; the rules of using the Multi.Life Platform are laid out in separate Terms and Conditions of Electronic Services.‍
    1. ‍Website – the website available at www.benefitsystems.pl.‍
    2. User – every person using the Service on the terms and conditions stipulated in these Terms and Conditions.

§ 2 Terms of Service Use

1. Benefit Systems shall be the Issuer of the Service. The Multi.Life Service can only be obtained through Benefit Systems (or another member company of the Benefit Systems Group with which Benefit Systems has concluded a cooperation agreement).
2. The Service shall, during the period of its validity, authorize the User to use the services provided by Benefit Systems and the Partners as listed for a specific Service type on the Website.
3. The Service shall be personal and may not be made available to third parties. The Service may not be traded to a third party in any form whatsoever. Users are forbidden to use the Service with the intention to earn money. Only one Multi.Life Service of a given type may be held by a single User.
4. The User shall be fully free to apply for a Service and participate in the Multi.Life Programme, i.e. it shall be within the User’s sole discretion to apply or submit applications for other Users entitled to participate in the Multi.Life Programme (e.g. accompanying persons).
5. A User who is an Employee and applied to participate in the Multi.Life Programme, may also submit applications for other Users (i.e. accompanying persons) exclusively to participate in the Multi.Life Programme but may not submit applications for other Users to participate in the MultiSport Programme unless the agreement with the Customer provides otherwise.
6. The User may resign from the Multi.Life Programme at any time subject to the terms and conditions of the agreement with the Customer. In order to resign from the Multi.Life Programme, the User may contact the Customer or Benefit Systems at contact details specified in § 4.4 below or, if the User has access to the eMultiSport Platform, he or she may effect the resignation through the Platform.
7. Cancellation of participation in the Multi.Life Programme during the settlement period specified in the agreement with the Customer causes deactivation of the User’s Service at the end of the settlement period in which the cancellation was made by the User. If resignation from the Multi.Life Programme is made by an Employee User, such resignation is equivalent to simultaneous resignation from the Multi.Life Programme by other Users who have been added by that Employee User to the Multi.Life Programme (i.e., accompanying persons), unless the agreement concluded with the Customer provides otherwise.
8. In the event that an unauthorized individual gains access to the Service, Benefit Systems shall be immediately notified at the following address: bok@benefitsystems.pl.
9. Benefit Systems shall have the right to deactivate the Service in the event of a breach of these Terms and Conditions of Use by the User (or other Users added by that User) or in the event that the fee for the User’s participation in the Multi.Life Programme is not received in accordance with the agreement with the Customer. The User and the Customer shall be notified of the deactivation of the Service in the event that the use thereof is deemed contrary to these Terms and Conditions of Use.

§ 3 Terms of Access to Multi.Life Services

1. A User who registers with the Multi.Life Programme shall receive, before the beginning of the first settlement period, the Multi.Life Service number at the e-mail address provided during the registration process (the Service shall not be issued as a traditional plastic card).
2. The up-to-date range of Services available for a given type of Multi.Life Services is published on the Website.
3. In order to use the online Services, the User should register and log in to the Multi.Life Platform by providing the Multi.Life Service number in the registration form (and other data in accordance with the rules set out in separate Terms and Conditions of Electronic Services.
4. In the event that the User has already registered on the Multi.Life Platform, he or she should log in to their account on the Multi.Life Platform and enter the Multi.Life Service number in the appropriate box (and other data in accordance with the rules set out in separate Terms and Conditions of Electronic Services). After entering the Multi.Life Service number correctly, the User shall be granted access to Services of a given type of Multi.Life Services.
5. A User who does not have an account on the Multi.Life Platform cannot use the online Services. The Multi.Life Platform may be used under separate rules laid down in the Terms and Conditions of Electronic Services. Moreover, some of the Services available as part of the Multi.Life Service may be provided to the Users on the basis of separate terms and conditions of use defined by Benefit or by Partners of which the User shall be informed in each case prior to starting to use a service.
6. A resignation by the User from an account on the Multi.Life Platform which enables the use of online Services available is not equivalent to resignation from the Multi.Life Programme. In order to resign from the Multi.Life Programme, the User shall follow the instruction in § 2.6 of these Terms and Conditions.
7. The User may use the Multi.Life Service on not more than 4 devices (computer, tablet, phone etc.), which means he or she may log in to his or her account on the Multi.Life Platform which makes it possible to use online Services from not more than a total of 4 different devices.

§ 4 Final Provisions

1. The User may submit complaints to Benefit Systems with regard to the use of the Multi.Life Programme or the Service (including an application for the Service). A complaint may be submitted in electronic form and e-mailed to Benefit Systems at: reklamacje@benefitsystems.pl, or in writing and sent to the following address: Benefit Systems S.A. Plac Europejski 2, 00-844 Warszawa, with a notation “Reklamacja Usługa Multi.Life” [Multi.Life Service Complaint]. The complaint should include the User’s name and surname, Service number, a description of the problem, and a request for a specific action to be taken by Benefit Systems (the User’s request). Benefit Systems shall, without unnecessary delay, within 14 days of the receipt of the complaint, process and respond to such complaint to the User’s e-mail or postal address, depending on the manner in which the complaint has been submitted, as specified in the complaint.
2. Users who are consumers shall be advised by Benefit Systems of the possibility to have recourse to out-of-court complaint and redress methods. The rules of access to these procedures are available at the registered offices or on the websites of entities authorised to deal with out-of-court resolution of disputes. The entities include in particular consumer ombudsmen or Provincial Inspectorates of the Trade Inspection, the list of which is available on the website of the Office of Competition and Consumer Protection. Benefit Systems would like to inform you that there is an online system for resolving disputes between consumers and traders in the EU (the European Online Dispute Resolution (ODR) platform) available at http://ec.europa.eu/consumers/odr/. Benefit Systems shall not resort to out-of-court resolution of consumer disputes as referred to in the Act of 23 September 2016 on Out-of-Court Resolution of Consumer Disputes.
3. These Terms of Use shall not restrict or waive any consumer rights of the Users as inuring to them under unconditionally applicable laws.
4. Information connected with the use of the Multi.Life Programme or the Service may be obtained by writing to bok@benefitsystems.pl, writing to the address of Benefit Systems S.A.: Plac Europejski 2, 00-844 Warszawa, with a notation “bok – Produkt Multi.Life” [customer service - Multi.Life Service] or by calling the helpline on (22) 242 42 42. The call will be charged at the operator’s rate applicable to domestic calls.
5. Users’ personal data shall be processed in compliance with the applicable laws to the extent necessary to perform the service under the Multi.Life Programme, on the basis of the User’s declaration of consent to processing of his or her personal data to be submitted prior to applying for the Multi.Life Programme. Detailed information on personal data processing may be found at https://www.benefitsystems.pl/polityka-prywatnosci/. Questions concerning personal data protection should be submitted by e-mail at daneosobowe@benefitsystems.pl, by phone at (22) 242 42 42, or by mail to: Benefit Systems S.A.: Plac Europejski 2, 00-844 Warszawa, with a notation “Dane osobowe” [Personal Data].
6. Protection of the Service number against unauthorized access shall be the responsibility of the User.
7. Benefit Systems reserves the right to amend these Terms and Conditions with a notice of 14 days. Users shall be notified of any amendments to these Terms and Conditions. In addition, information about a change in the content of these Terms and Conditions along with a list of the amendments made shall be posted on the Website. If the User does not accept amendments to the Terms and Conditions, he or she may resign from the Multi.Life Programme at any time in accordance with the rules laid down in the agreement with the Customer (to this end, the User may contact the Customer or Benefit Systems at contact details specified in Article 4.4 above or, if the User has access to the eMultiSport Platform, he or she may effect the resignation through the Platform). The Terms and Conditions and any amendments hereto are available on the Website in the Terms and Conditions of Use.
8. These Terms and Conditions shall enter into effect on 14 February 2022.

Terms and conditions of electronically supplied services by Benefit Systems S.A.

These Terms and Conditions shall come into effect on 24.08.2024

Table of contents:

§ 1 General Provisions. Definitions

§ 2 Rights and Obligations of the Service User. Account Registration

§ 3 Withdrawal from, and Termination of the Account Agreement

§ 4 Technical requirements. Particular risks of using electronically supplied services

§ 5 Personal data

§ 6 Intellectual Property Rights

§ 7 Contact and Complaints

§ 8 Liability

§ 9 Amendments to these Terms and Conditions

§ 10 Final Provisions

Appendix 1 – terms and conditions of using kartamultisport.pl website

Appendix 2 – terms and conditions of using Multi.Life.com.pl website

Appendix 3 – terms and conditions of using emultisport.pl website

Appendix 4 – terms and conditions of using MultiSport mobile application

Appendix 5 – Model withdrawal statement from the Account Agreement

Appendix 6 – specimen form of the withdrawal from the MultiSport Card/ Multi.Life Service Use Agreement

§ 1 General Provisions. Definitions

1. These Terms and Conditions have been drawn up to meet the obligation referred to in Article 8(1)(1) of the Act of 18 July 2002 on Electronically Supplied Services. The Terms and Conditions set out the conditions and terms of using:
   1. kartamultisport.pl website, and
   2. Multi.Life.com.pl website, and
   3. emultisport.pl website, and
   4. MultiSport Mobile App.

2. § 1 - 10 of the Terms and Conditions lay down common terms and conditions for Websites and the Application are presented in subpara. 1 above, while Appendices 1 – 4 of the Terms and Conditions lay down detailed provisions on individual Websites and the Application:
   1. Appendix 1 – relating to the kartamultisport.pl website,
   2. Appendix 2 – relating to the Multi.Life.com.pl website,
   3. Appendix 3 – relating to the emultisport.pl website,
   4. Appendix 4 – relating to the MultiSport mobile application.

If provisions of § 1 - 10 of the Terms and Conditions and of the Appendix differ between each other, provisions of the Appendix shall prevail.

3. The Service User shall be bound by these Terms and Conditions (including provisions of the respective Appendix 1 – 4) which apply to that Website or the Application which the Service User uses (e.g. if the Service User does not use the emultisport.pl website, provisions of the Terms and Conditions relating to the emultipsort.pl website do not apply to that Service User).
4. These Terms and Conditions shall be published in the appropriate tab of the Website or the Application, as mentioned in subpara. 1 above, the Service User may display and fix the text of the Terms and Conditions in any technically possible way.
5. The following capitalised terms used in these Terms and Conditions shall have the following meaning:‍
   1. ‍MultiSport Application, Application – a set of services and features available to the Service Users in the MultiSport mobile app, owned by Benefit Systems, designed for, but not limited to, the authentication of the right to use the services provided at a Facility (with a Mobile Card, without the need to present a plastic microchip Card) and verification of the Service User’s identity,‍
   2. Benefit Systems – Benefit Systems S.A., with its registered office in Warsaw, at the following address: Plac Europejski 2, 00-844 Warsaw, entered in the Register of Entrepreneurs in the National Court Register kept by the District Court for the Capital City of Warsaw, 13th Commercial Division of the National Court Register (KRS), with the KRS Number: 0000370919, NIP 836-16-76-510, REGON 750721670, e-mail address: bok@benefitsystems.pl, tel. no.: (22) 242 42 42,‍
   3. Password – a sequence of letters, digital or other characters used to secure access to the Account of the Service User. The password must meet the following criteria: have at least 8 characters, including one capital letter, one lower case letter, one digit and one special character (e.g. !, $, &),‍
   4. MultiSport Card, Card – a personal card issued by Benefit Systems, which entitles the User to use the MultiSport Program services available for a specific Card type. The Card may be in the traditional format of a plastic chip card bearing the User’s signature, or in the electronic format of a digital record in the Application, hereinafter referred to as the “Mobile Card”. The terms and conditions of use of the Card shall be defined in a separate "Terms and Conditions of Use of MultiSport Programme Cards" document, available at https://www.benefitsystems.pl/dla-ciebie/multisport/,‍
   5. Customer – an entity which has enabled the User to use the MultiSport Programme or the Multi.Life Programme (in case of Employee Users, a Customer will typically be the User’s employer, and in case of Users who are Additional Persons, a Customer will typically be the Employer of the Employee User),‍
   6. Account – the individual account of the Service User maintained on his/her behalf by Benefit Systems, after his/her registration. The Account enables the Service User to use all features of the Websites and the Application available for a given Service User,‍
   7. Login – an individual identification of the Service User, required along with the Password in order to use the Account. The e-mail address of the Service User entered by the Service User during Registration shall be the Service User’s login,‍
   8. Mobile Card – MultiSport Card in the electronic form in the Application,‍
   9. Additional Person – a User who is not an Employee,‍
   10. Partner – an entity which provides services to the Users as part of the MultiSport Programme or the Multi.Life Programme on the basis of a contract with Benefit Systems,‍
   11. Platform, eMultiSport Platform – website available at emultisport.pl designed for the administrative support of the MultiSport Programme and Multi.Life Programme. A Service User may access eMultiSport Platform only if the Customer has enabled him/her to use that Platform,‍
   12. Employee – a natural person who is an employee of the Customer under a contract of employment or one who collaborates with the Customer under a contract of mandate, task-specific contract, cooperation agreement, service contract or on a different legal basis,‍
   13. Product – the MultiSport Card or the Multi.Life Service, respectively,‍
   14. Multi.Life Service – a personal product issued by Benefit Systems granting the User the right to use the services specified in the Multi.Life Programme which are available for the given type of the Multi.Life Service. The Multi.Life Service is issued only in the form of an electronic record (i.e. the Multi.Life Service number). The terms and conditions of use of the Multi.Life Service shall be defined in separate “Terms and Conditions of Use of the Multi.Life Programme” available at https://www.benefitsystems.pl/dla-ciebie/Multi.Life/,‍
   15. Programme – the MultiSport Programme or the Multi.Life Programme, respectively,‍
   16. Multi.Life Programme – a programme comprising a selection of wellbeing services customized by Benefit Systems for the Customer and provided to the Users. A User may only participate in the Multi.Life Programme if the Customer has enabled him/her to use the Multi.Life Programme. A detailed description of the range of services available for the individual Multi.Life Services shall be available from the benefitsystems.pl website, Multi.Life tab,‍
   17. MultiSport Programme – a programme comprising a selection of sports and recreation services customized by Benefit Systems for the Customer and provided to the Users. A User may only participate in the MultiSport Programme if the Client has enabled him/her to use the MultiSport Programme. A detailed description of the range of services available for the individual Cards shall be available from the benefitsystems.pl website, MultiSport tab,‍
   18. Terms and Conditions – these terms and conditions, together with all the appendices hereto which constitute an integral part hereof,‍
   19. Registration – an activity performed in the manner specified in the Terms and Conditions, which must be completed by the Service User before all features of the Website and the Application, including the Account, which are available to the Service User can be used; this activity constitutes conclusion of the Account Agreement,‍
   20. Multi.Life Platform – website available at Multi.Life.com.pl, which is a collection of services and functionalities available to the Multi.Life Service User after registration and logging into the Multi.Life Platform, and a set of Service User’s data and settings related to operation of services after logging in,‍
   21. MultiSport Zone – website available at kartamultisport.pl, which is a collection of services and functionalities available to the MultiSport Card User after registration and logging into the MultiSport Zone, and a set of Service User’s data and settings related to operation of services after logging in,‍
   22. Website – website available at kartamultisport.pl or Multi.Life.com.pl or emultisport.pl respectively, together Websites,‍
   23. Account Agreement – means a free-of-charge agreement of electronically supplied services, which is concluded between the Service User and Benefit Systems for an indefinite period of time, the object of which is to maintain the Account for the Service User,‍
   24. Service User – any person using the Website or the Application on terms specified in these Terms and Conditions,‍
   25. User – means a natural person who uses a MultiSport Programme or Multi.Life Programme,

§ 2 Rights and Obligations of the Service User. Account Registration

1. Service Users may use the kartamultisport.pl or Multi.Life.com.pl or the Application as unregistered or registered Service Users. Only registered Service Users who are Employees may use the Website provided that the Customer has allowed them to use the Platform.
2. Upon the moment the Website or the Application is actually used by an unregistered Service User, an agreement of electronically supplied services is concluded, under which functionalities of the Website or the Application can be used in accordance with provisions of the Terms and Conditions. The agreement is terminated upon the moment the service is actually performed.
3. Only Service Users who are at least 13 years old and have at least limited legal capacity may register an Account on the Website or in the Application.
4. If the Service User is a Child under the age of 13, Registration on the Website or in the Application shall be made on behalf of the child by their parent or legal guardian.
5. Each Service User may hold one Account only.
6. For Registration purposes, the Service User should enter the data required in the registration form and accept the Terms and Conditions. Next, the Service User will receive the Registration confirmation and an activation link to the e-mail address of the Service User entered during Registration. The Service User should click the activation link to activate the Account. As soon as Registration is confirmed, an Account Agreement is concluded.
7. Registration or logging in is also possible via third party authentication services selected when choosing the method of Registration or logging in (e.g. Apple, Facebook). To Register or log in using third party authentication services, the Service User must have an account with a provider of such a service. Logging in via a third party authentication service is possible only after a prior Registration via such a service.
8. The Account of the Service User on the Websites and the Application is integrated in such a way that the Registration on one Website or Application allows the Service User to use other Websites and Applications after logging in, without the need to re-register (provided that the Website or Application are available to the Service User). Essentially:
   1. for Registration on the Website - the Service User logs into other Websites and Applications using the Login and Password entered on the Website,
   2. for Registration in the Application - the Service User logs into Websites using the Login and Password entered in the Application,
   3. in the event that the Service User’s Account is deleted from the Website, the Service User’s Account shall also be deleted from other Websites and the Application,
   4. in the event that the Service User’s Account is deleted from the Application, the Service User’s Account shall also be deleted from the Websites.
9. Registration of an Account and its use shall be voluntary.
10. Each Service User shall be obliged to use the Website and the Application solely for his/her own use and in a manner consistent with the content of these Terms and Conditions, legal regulations and good practices.
11. The Service User shall be required to secure the data of the Account (Login and Password, Product number) against unauthorized access. The Service User should in particular make every effort to keep the Password confidential and not to disclose it to third parties. The Service User shall be required to immediately notify Benefit Systems in the manner specified in Article 7 below of each and every breach of their Password or the Product number, and of any violation of the rules laid down in these Terms and Conditions. In that case, the Service User should change the Password immediately, using the appropriate functionalities within his or her Account.
12. In particular, the following shall be forbidden:
    1. delivering illegal content or the Service User using the Website or Application contrary to these Terms and Conditions, provisions of law, good practices, or violating the personal rights of third parties and the rights and interests of Benefit Systems;
    2. modifying the Website or the Application;
    3. placing in or distributing via the Website or the Application any malicious software (including viruses and trojans) or other mechanisms that could cause a disruption in the operation of the Website or the Application or its functioning contrary to these Terms and Conditions;
    4. impersonating other people, providing false personal data or otherwise misleading as to the Service User’s identity;
    5. making available to third parties one's Account.

13. If the Service User is found to have been using the Website or the Application in breach of the applicable regulations or these Terms and Conditions, and in particular that they engage in the practices described in subpara. 10-12 above, and particularly breach the security mechanisms of the Website or the Application or engage in other forms of hacking, Benefit Systems may, with immediate effect, block such Service User’s Account. Benefit Systems shall immediately notify the Service User of the blocking of the Account, and provide a reason for such a measure, to the e-mail address given by the Service User during registration. Benefit Systems may set a deadline for the User to reinstate compliance with law and these Terms and Conditions, and if the Service User adheres, Benefit Systems may unblock the Account.
14. Benefit Systems may display information to Service Users on the Website on products and services available to Product holders, including information on Benefit Systems’ own products and services as well as the products and services of Benefit Systems’ counterparties who offer additional benefits to the Product holders (such as dietitian services, trainer services, medical and insurance services, as well as education and development services) in forms used over the Internet.
15. The Service User who gives their consent may receive push messages on the Website, i.e. short messages that are displayed directly on the Website while the Service User is using the Website. The push messages may include administrative messages (such as information on a response to the Service User’s report, amendments to these Terms and Conditions, etc.), or information on products and services available to Product holders, including information on Benefit Systems’ own products and services as well as the products and services of Benefit Systems’ counterparties who offer additional benefits to the Product holders (such as dietitian services, trainer services, medical and insurance services, as well as education and development services). The Service User may switch off or configure the push messages in their browser settings.

§ 3 Withdrawal from, and Termination of the Account Agreement

1. [withdrawal from the Account Agreement] The Service User has the right to withdraw from the Account Agreement without cause within 14 days of conclusion of the Account Agreement. To exercise the right of withdrawal, the Service User must notify Benefit Systems of his/her decision by submitting a clear statement (for example a statement sent by post, by fax or by e-mail) to the following contact details: Benefit Systems S.A., Plac Europejski 2, 00-844 Warsaw, address: bok@benefitsystems.pl, tel. no. (22) 242 42 42. For this purpose, the Service User may use the form based on the specimen attached as Appendix 5 to the Terms and Conditions, which is not mandatory. In the event of a withdrawal from the Account Agreement, Benefit Systems shall immediately delete the Account on the Websites and in the Application. To comply with the time limit for withdrawal from the Account Agreement, the Service User needs to send a notice of exercise of the Service User’s right of withdrawal prior to the expiry of the time limit for withdrawal.
2. [termination of the Account Agreement] The Service User may terminate the Account Agreement for convenience at any time. To exercise this right, the Service User must notify Benefit Systems of his/her decision using the following contact details: Benefit Systems S.A., Plac Europejski 2, 00-844 Warsaw, address: bok@benefitsystems.pl, tel. no. (22) 242 42 42. To do this, Users may use the Application feature “Delete Account” available under “Settings”, after selecting “More”. In the event of termination of the Account Agreement, Benefit Systems shall immediately delete the Account on the Websites and in the Application, no later than within 14 days of the termination notice (time limit for termination).
3. Service User’s withdrawal from or termination of the Account agreement is not equivalent to the User’s resignation from the MultiSport Programme (i.e. the MultiSport Card) or the Multi.Life Programme (i.e. the Multi.Life Service). The User may resign from the MultiSport Programme or the Multi.Life Programme at any time subject to the terms and conditions of the agreement with the Customer. In order to resign from the MultiSport Programme or the Multi.Life Programme, the User may contact the Customer or Benefit Systems in a manner specified in Article 7 below or, if the User has access to the eMultiSport Platform, he or she may effect the resignation through the Platform. Detailed rules for User resignation from membership in the MultiSport Programme or the Multi.Life Programme are laid down in terms and conditions of these Programmes, available at benefitsystems.pl in the MultiSport or Multi.Life tab respectively.
4. The Service User may contact Benefit Systems in all matters related to Benefit Systems processing of personal data of the Service User and matters related to the exercise of Service User's rights under the GDPR by using the contact details provided in the Privacy Policy: https://www.benefitsystems.pl/en/privacy-policy.
5. Benefit Systems may terminate the Account Agreement with a 14 days notice (by sending the notice to the Service User by e-mail) for important reasons, such as the following circumstances:

1. the lapse of uninterrupted 18 months or more since the Service User has not held a Product;
2. the Customer’s decision to withdraw the Service User’s rights to use the MultiSport Programme or the Multi.Life Programme;
3. death of the Service User;
4. gross breach of the Terms and Conditions by the Service User, i.e. situations when the Service User (closed catalogue) breaches provisions of § 2 subpara. 1, 3 – 7, 10 – 12 of the Terms and Conditions.

In the event of termination of the Account Agreement, Benefit Systems shall delete the Account on the Websites and in the Application within 14 days of the termination notice.

§ 4 Technical requirements. Particular risks of using electronically supplied services

1. Benefit Systems shall ensure that Service Users can use the Website via the Internet using all popular Internet browsers, operating systems, computer types and Internet connection types. Benefit Systems does not warrant and will not be responsible for ensuring that any configuration option of electronic equipment held by the Service User will enable the use of the Website. The minimum technical requirements for using the Website, subject to the previous sentence, are as follows:
   1. a computer or another electronic device with at least 2 Mb/s in Internet bandwidth,
   2. Operating system: Windows 7 or higher, Mac OS X 10.7 or higher, Ubuntu 10 or higher,
   3. equipped with the latest version of the web browser: Google Chrome, Firefox, Microsoft Edge, Safari or Opera, which will support cookies and JavaScript.
2. Benefit Systems represents that the public nature of the Internet network and the use of electronically supplied services may entail the risk of Service User’s data being intercepted and modified by unauthorized individuals. Service Users should therefore use appropriate technical measures to mitigate those risks. In particular, Participants should use anti-virus software and software protecting the identity of Internet users.
3. Benefit Systems applies technical and organisational measures corresponding to the level of risk, including measures to prevent unauthorized interception and modification of personal data sent on the Internet, in order to ensure security of messages and data transferred over the Website. Benefit Systems ensures secure transmission of data transmitted via the Website through the use of HTTPS protocol and signing data from the Service User's device with SSL certificate.
4. Primary potential risks of using the Internet include:
   1. malware;
   2. various types of applications or scripts which are harmful, criminal or malicious towards the network user IT system, such as viruses, worms, trojans, keyloggers, dialers;
   3. spyware;
   4. software that tracks the Service User’s activities, collecting information about the Participants and sending it, without the Service User's knowledge or consent, to the author of the software;
   5. spam;
   6. unwanted and unsolicited electronic messages distributed concurrently to multiple users, often of advertising nature;
   7. wrongful eliciting of confidential personal information (such as passwords) by pretending to be a respectable person or institution (phishing);
   8. attack on the Service User's IT system using such hacking tools as e.g. exploit rootkits.

5. Protection against risks of the Service User’s use of the electronically supplied services is also afforded by:
   1. active firewall,
   2. updating of any type of software,
   3. not opening electronic mail attachments from unknown sources,
   4. reading installation windows of applications, and their licensing terms,
   5. deactivating macros in MS Office files of unknown origin,
   6. regular comprehensive scans of the system by anti-virus and anti-malware software,
   7. data transmission encryption,
   8. installation of prevention software (attack detection and prevention),
   9. using the original system and applications from legal sources.
6. Detailed provisions on technical requirements and threats related to the use of electronically supplied services relating to the Application are presented in Appendix 4 – terms and conditions of using MultiSport mobile application.

§ 5 Personal data

1. The Benefit Systems shall be the controller of Service Users’ personal data.
2. Detailed information on personal data processing is available at: https://www.kartamultisport.pl/obowiazek-informacyjny

§ 6 Intellectual Property Rights

1. Intellectual property rights to the Websites and Application and all content comprising or made available on the Websites or the Application, such as text, artwork, logotypes, icons, images, photos, audio and video files, data files, presentations, programs, navigation solutions, selection and layout of content presented on the Websites or the Application and any other data shall be protected (by copyright, protection rights to trademark and other exclusive rights) inuring to Benefit Systems or entities with which Benefit Systems has an agreement in place on the use of such content to run the Website or the Application. No part of the Websites and Application or content disseminated on the Websites and Application may be fixed, duplicated or disseminated in any form or manner and may not be traded without Benefit Systems' prior written consent.
2. Use of the Website and the Application shall not result in the transfer of any intellectual property rights, in particular copyright to the Website or the Application or any part thereof, to the Service User. Upon acceptance of these Terms and Conditions, Benefit Systems shall allow the Service User to use the Website or the Application to the extent of its features as provided to the User and these Terms and Conditions, without territorial restrictions, for permitted personal use.

§ 7 Contact and Complaints

1. The Service User may contact Benefit Systems by post by writing to Benefit Systems S.A., Plac Europejski 2, 00-844 Warsaw, adding the name of the concerned Website or the Application, or by e-mail at: bok@benefitsystems.pl or by calling (22) 242 42 42. The call will be charged at the operator’s rate applicable to domestic calls.
2. The Service User may lodge complaints related to the use of the Website, Application, MultiSport Programme or Multi.Life Programme, at the discretion of the complaining person: by writing to the address of Benefit Systems: Plac Europejski 2, 00-844 Warszawa, with a notation “Reklamacja” [Complaint] or by e-mail to: reklamacje@benefitsystems.pl, with a notation “Reklamacja” [Complaint] in the message’s title.
3. A complaint should contain data identifying the person lodging the complaint (full name, login, Product number), the exact mailing address or e-mail address for responding to the complaint as well as an indication of the reason for the complaint and the related request.
4. A response to the complaint is provided within up to 14 days of the complaint being received by Benefit Systems. If the complaint does not contain the information necessary for reviewing the complaint, Benefit Systems will ask the complainant to supplement the complaint as necessary, and the time limit of 14 days shall run anew from the moment the supplemented complaint is submitted.
5. A complaint shall be answered in writing or by e-mail, depending on how it has been lodged, to the address specified in the complaint letter/message.
6. Complaints shall be considered in accordance with these Terms and Conditions and the provisions of law generally applicable in Poland.

§ 8 Liability

1. Benefit Systems may interrupt or disrupt provision of electronic services and provision of access to the Website or the Application if the reason for such interruptions or disruptions is:
   1. a modification, modernization, expansion or maintenance of the ICT system or Benefit Systems’ software provided that Service Users are notified of that by means of a message posted on the Website or the Application;
   2. reasons beyond control of Benefit Systems (force majeure, acts or omissions by third parties which Benefit Systems is not liable for).

2. The Website or the Application may contain links (connections) to websites that support the use of websites or electronically supplied services which are made available or provided by the Partners. Service Users shall use the websites and electronically supplied services from the Partners at their own risk. In addition, these Terms and Conditions shall not apply to the websites and electronically supplied services made available or provided by the Partners. In such case, terms and conditions defined separately by the Partners shall apply.
3. Benefit Systems shall not be liable to Service Users for:
   1. the Website being non-operational or difficulties in using the Website or the Application due to reasons attributable to the Service User;
   2. the loss of the Password by the Service User or third parties learning the Password (regardless of the method used). However, Benefit Systems shall be liable if the Service User lost his/her Password or third parties learn the Password for reasons which Benefit is liable for;
   3. damage caused by an act or omission by the Service User, in particular for the use of the Website or the Application by the User in a manner inconsistent with the applicable provisions of the law or these Terms and Conditions.

4. Service Users may use the services available on the Website and in the Application depending on their health and fitness level.

§ 9 Amendments to these Terms and Conditions

1. For important reasons, Benefit Systems may make amendments to the Terms and Conditions. The Terms and Conditions may be amended for the following important causes:
   1. change of existing services, introduction of new services or discontinuation of some product or services by Benefit Systems;
   2. change to service provision methods;
   3. brand change;
   4. change necessitated by changes to any mandatory provisions of law or their interpretation;
   5. change necessitated by administrative decisions or a court ruling or another similar act (e.g. guidelines of competent bodies of public administration);
   6. technical change relating to the operation of the Website or the Application, including change or enhancement of the functionalities of the Website or the Application;
   7. change motivated by an improvement in the quality of service provision or enhancement of Service Users safety;
   8. prevention of violations of the Terms and Conditions or stopping their abuse;
   9. elimination of uncertainties or interpretation doubts concerning the Terms and Conditions;
   10. introduction by Benefit Systems of organisational or technological changes, including changes concerning the rules of serving Service Users, which affect the manner in which Service Users are served.
2. Each Service User shall be notified of amendments to these Terms and Conditions by sending information of amendments to the Service User’s e-mail or additionally by posting information about amendments on the Website or the Application. The text of the current Terms and Conditions shall always be available in the relevant tab on the Website or the Application.
3. Changes to these Terms and Conditions shall take effect on the date specified in the change notice, but not earlier than 14 days after notification of the change. In the event that the Service User does not accept the changes, he or she may terminate the Account Agreement (as specified in Article 3.2 hereof).

§ 10 Final Provisions

1. The Polish law shall apply to settlement of any disputes arising out these Terms and Conditions. Any such disputes shall be resolved by the common court of local jurisdiction.
2. Service Users shall be advised by Benefit Systems of the possibility to have recourse to out-of-court complaint and redress methods. The rules of access to these procedures are available at the registered offices or on the websites of entities authorised to deal with out-of-court resolution of disputes. The entities include in particular consumer ombudsmen or Provincial Inspectorates of the Trade Inspection, the list of which is available on the website of the Office of Competition and Consumer Protection. Benefit Systems would like to inform you that there is an online system for resolving disputes between consumers and traders in the EU (the European Online Dispute Resolution (ODR) platform) available at http://ec.europa.eu/consumers/odr/. Benefit Systems shall not resort to out-of-court resolution of consumer disputes as referred to in the Act of 23 September 2016 on Out-of-Court Resolution of Consumer Disputes.
3. These Terms and Conditions do not restrict or waive any rights of Service Users inuring to them under unconditionally applicable laws.
4. Provisions of the generally applicable Polish law shall apply to matters not regulated by these Terms and Conditions.
5. These Terms and Conditions shall come into effect on 24.08.2024.

Appendix No. 1

Terms and conditions of using kartamultisport.pl website

1. For unregistered Service Users, the MultiSport Zone supports searching for Facilities and browsing of selected content, including information about the MultiSport Programme or the FAQ.
2. Access to services in the MultiSport Zone shall only be provided to registered and logged-in Service Users who have a Service User’s Account.
3. Access to services in the MultiSport Zone is provided to Service Users free of charge. The Service User shall bear the cost of data transmission required to run and use the MultiSport Zone in the amount set by the telecommunications operator whose services the Service User uses.
4. The Service User shall be able to use the following features in the MultiSport Zone:
   1. Service User’s Account,
   2. access to his/her MultiSport Card and Kids Card (if the Service User has this type of card),
   3. sports facility finder,
   4. services available under the MultiSport Programme to logged-in Service Users whose up-to-date range for a given Card type is available at www.benefitsystems.pl or kartamultisport.pl.
5. Benefit Systems may allow Service Users to use other services than specified in subpara. 4 above and described in the MultiSport Zone or after accepting separate terms and conditions of such service.
6. When searching for a Facility, the MultiSport Zone uses the geolocation feature. The geolocation feature is disabled by default. The Service User may manually enable geolocation by granting consent to save the location of their device. Geolocation is not necessary for using the Facility search engine.

Appendix 2

Terms and conditions of using Multi.Life.com.pl website

1. For unregistered Service Users, the Multi.Life Platform supports browsing of selected content, including information about the Multi.Life Programme or the FAQ.
2. Access to services on the Multi.Life Platform shall only be provided to registered and logged-in Service Users who hold an active Multi.Life Service.
3. Access to services under the Multi.Life Platform may be payable to Service Users holding an active Multi.Life Service; the payment amount and charging terms shall be defined in the agreement with the Customer. In addition, the Service User shall bear the cost of data transmission required to run and use the Multi.Life Platform in the amount set by the telecommunications operator whose services the Service User uses.
4. The Service User shall be able to use the following features of the Multi.Life Platform:

1. Service User’s Account,
2. services available under the Multi.Life Programme to logged-in Service Users who hold an active Multi.Life Service whose up-to-date range is available for a given type of Service at www.benefitsystems.pl or Multi.Life.com.pl.

5. Benefit Systems may allow Service Users to use other services than specified in subpara. 4 above and described in the Multi.Life Zone or after accepting separate terms and conditions of such service.

Appendix 3

Terms and conditions of using emultisport.pl website

§ 1 Definitions. General provisions

1. The following capitalised terms used in these Terms and Conditions shall have the following meaning:‍
   1. ‍Acquirer – means an entity which handles the payment process,‍
   2. Business Days – weekdays from Monday to Friday, excluding public holidays,‍
   3. Delivery – means an actual act consisting in the delivery of a Product/Products to a User via the Customer. For a Multi.Life Service, Delivery consists in the Operator sending the Multi.Life Service number to the e-mail address of the User, which was entered when placing an order for the Multi.Life Service,‍
   4. Platform User – means the Client or the Manager,‍
   5. Operator – means Benefit Systems,‍
   6. Payment – means payment of amounts due for User membership in a MultiSport Programme or Multi.Life Programme under the Product Use Agreement,‍
   7. Terms of Use of Multi.Life Services – means the terms and conditions of using the Multi.Life Service as defined in separate “Terms and Conditions of Use of the Multi.Life Programme” available at https://www.benefitsystems.pl/dla-ciebie/Multi.Life/,‍
   8. Terms of Use of MultiSport Cards – means the terms and conditions of using the MultiSport Card as defined in separate “Terms and Conditions of Use of MultiSport Programme Cards” available at https://www.benefitsystems.pl/dla-ciebie/multisport/,‍
   9. Product Use Agreement – means an agreement for the provision of services under the MultiSport Programme or Multi.Life Programme concluded between the Client and the Operator electronically via the Account under the rules set out in the Terms and Conditions, based on which the Operator provides the User with a service of membership in the MultiSport Programme or Multi.Life Programme and delivers the ordered MultiSport Cards or Multi.Life Services respectively that entitle the User to use the services set out in the MultiSport Programme or Multi.Life Programme, and the Client, by making the Payment, finances or co-finances the cost of membership in the Programme. The Client may conclude the Product Use Agreement only if the Customer makes it possible for the Client under the Master Agreement,‍
   10. Master Agreement – means a service agreement concluded between the Customer and the Operator, which lays down the terms of membership in the MultiSport Programme or Multi.Life Programme for the Users and the time limit for placing orders for the Products (MultiSport Cards or Multi.Life Service), the period for which the Products can be ordered, the number of Products of a given type available to the Client and the possible scope of financing or co-financing of the cost of the Products by the Client,‍
   11. Client – an Employee with full legal capacity, who uses the Platform,‍
   12. Product Order – means a factual act performed by a Client using an Account that generates an obligation on the part of the Operator to provide the User with a service of membership in the MultiSport Programme or Multi.Life Programme and deliver the products ordered (MultiSport Cards or Multi.Life Services) or activate them so that the User is able to use the services specified in the Programme. The Client may Order the Product only if the Customer makes it possible for the Client under the Master Agreement,‍
   13. Manager – means the Employee who uses the Platform on behalf of the Customer authorised by the Customer to perform activities related to administration of the MultiSport Programme or the Multi.Life Programme via the Platform, to the extent and under the rules laid down in the Master Agreement.‍
2. Since the Master Agreement is the basis for using the Programme, before starting to use the Programme, the Platform User should obtain information about the scope and manner of using the Platform or the Programme and the Platform from his or her employer or the principal (Customer). The Operator makes available to Platform Users, through the Platform, information on the detailed rules of using the Programme and Platform, as well as information about available MultiSport Cards or the Multi.Life Services. The current scope of services available for different MultiSport Card types and Multi.Life Services is listed on www.benefitsystems.pl in the MultiSport or Multi.Life tab respectively. The Operator may change the manner of Programme use by a particular Platform User only at the request of the Customer.

§ 2 Registration. Use of the Account

1. The Client shall Register in the manner described in § 2 of the Terms and Conditions unless the Master Agreement provides otherwise.
2. The Manager shall Register as follows: The Operator creates the Manager’s Account using the Manager’s data provided in the Master Agreement. Then, the Operator sends the Account confirmation with an activation link to the Manager. The Manager should click the activation link to confirm the Registration, accept the Terms and Conditions and set up the Password. As soon as Registration is confirmed, an Account Agreement is concluded.
3. The Master Agreement may provide for another method of Registration, of which the Platform User will be informed by the Operator or the Customer.
4. The Client may use the following functionalities of the Platform: enter into Product Use Agreement or place Product Orders, order a Product duplicate, activate and deactivate the Product, perform other functionalities described on the Platform; the scope of functionalities available to the Client is defined in the Master Agreement.
5. The Manager may use the following functionalities of the Platform: perform activities related to administration of the MultiSport Programme or the Multi.Life Programme via the Platform (e.g. order a Product, order a Product duplicate, activate and deactivate the Product, perform other functionalities described on the Platform); the scope of functionalities available to the Client is defined in the Master Agreement.
6. If the Operator or Customer terminates the Master Agreement, Benefit Systems shall block access to the Platform for Platform Users of that Customer, on the day the Master Agreement is terminated. Platform Users shall continue to have an Account and shall be able to use other Websites and Applications (other than the Platform).
7. If the Customer decides to deprive the Platform User from the right to use the Platform or the MultiSport Programme or the Multi.Life Programme, Benefit Systems shall block access to the Platform to that User from the day specified by the Customer. The Platform User shall continue to hold the Account and shall be able to use other Websites and Applications (other than the Platform).
8. If the Customer ceases to pay amounts due under the Master Agreement, the Operator may block Platform access to Users of the Platform of that Customer. After the outstanding payments are made, the access will be unblocked.

§ 3 Product Orders (if the Programme is fully financed by the Customer)

1. A Client whose cost of membership or whose Additional Person’s cost of membership in the MultiSport Programme or Multi.Life Programme is fully funded by the Customer places a Product Order to use the services provided as part of the Programme. The scope of services available to the Client results from provisions of the Master Agreement concluded between the Customer and the Operator, which specifically defines the rules of membership in the MultiSport Programme or Multi.Life Programme, the rules and method of ordering MultiSport Cards or Multi.Life Services, the expiry date of MultiSport Cards or Multi.Life Services, the number of MultiSport Cards of a given type or the Multi.Life Services available to the User.
   1. In order to place a Product Order for himself or herself, the Client selects the Product (MultiSport Card or Multi.Life Service), agrees to the processing of personal data for the purpose of using services in connection with the MultiSport Programme or Multi.Life Programme respectively, and accepts the Terms of Use of MultiSport Card or the Terms of Use of Multi.Life Service, depending on the Programme which the User applies to.
   2. In order to place a Product Order for an Additional Person, a Client selects the Product (MultiSport Card or Multi.Life Service) and enters the e-mail address of the Additional Person to whom the Operator will send information regarding the order for the Product so that the Additional Person can fill out the required data and grant their consent to the processing of personal data to use the services related to the MultiSport Programme or Multi.Life Programme as applicable, and to accept the Terms of Use of MultiSport Cards or the Terms of Use of the Multi.Life Services, depending on the Programme to which the Client enrols the Additional Person. The Additional Person will receive, at the indicated e-mail address, a notice requesting that the Additional Person fills out the data and grants consent to the processing of personal data in order to use the services in connection with the MultiSport Programme or Multi.Life Programme respectively and that the Additional Person accepts the Terms of Use of MultiSport Cards or the Terms of Use of the Multi.Life Services respectively. Granting of the consents mentioned above is necessary to receive the Product. The Client will receive a notice from the Operator requesting that the Additional Person supplements the data and grants their consent. If the Additional Person is a minor, the consent to the processing of personal data and to the approval of Terms of Use of MultiSport Cards or Terms of Use of Multi.Life Services is granted by the parent or legal guardian of the minor.
   3. In the Master Agreement, the Operator and the Customer may agree on a different process of placing Orders than the process described in subpara. 2 and 3 above (e.g. the Operator may provide the Client with the option to attach a signed scan of a statement by an Additional Person or parent or legal guardian of the Additional Person who is a minor regarding the consent to processing of personal data for the purposes of using the services in connection with the MultiSport Programme or the Multi.Life Programme or the Customer shall collect and archive relevant consents from Additional Person in writing).
   4. As soon as the Client submits a Product Order, an automatic message with a confirmation that the Product Order has been accepted will be sent to the e-mail address of the Client. The confirmation will also be available in the relevant tab in the Client’s Account. The confirmation will include the following information: Product type (MultiSport Card or Multi.Life Service), the date from which the Product will be active and, if applicable, the period for which the Product is ordered.
   5. When the Client places the Product Order, the Operator will deliver the Product(s) in the manner and by the date specified in the Master Agreement.
   6. These provisions will not prevent the Client from ordering the Product for himself or herself at the same time, without making payment in accordance with this paragraph, and ordering the Product for the Additional Person with an obligation to make payment in accordance with article 4 of this Appendix 4 to the Terms and Conditions (Product Use Agreement). In such a case, provisions of § 4 below apply to placing orders for Products for the Additional Person.

§ 4 Product Use Agreement (if the Programme is financed or co-financed by the Client)

1. A Client who finances or co-finances the cost of membership in the MultiSport Programme or Multi.Life Programme (for the Platform User or an Additional Person) enters into the Product Use Agreement to use the services provided as part of the Programme.
   1. Information about the detailed rules of using the Programme, in particular about the amounts and dates of Payments, is made available to the Client on the Platform in a manner which allows the Client to become familiar with such information before the Platform User commences the procedure of concluding the Product Use Agreement as described in the following paragraphs.
   2. The Product Use Agreement is concluded for an indefinite period of time and may be terminated with a notice effective at the end of the calendar month in which the notice of termination is made, unless the Master Agreement stipulates otherwise.
   3. In order to conclude the Product Use Agreement for himself or herself, the Client selects the Product (MultiSport Card or Multi.Life Service), agrees to the processing of personal data for the purpose of using services in connection with the MultiSport Programme or Multi.Life Programme respectively, and accepts the Terms of Use of MultiSport Card or the Terms of Use of Multi.Life Service, depending on the Programme which the User applies to.
   4. In order to conclude the Product Use Agreement for an Additional Person, a Client selects the Product (MultiSport Card or Multi.Life Service) and enters the e-mail address of the Additional Person to whom the Operator will send information regarding the order for the Product so that the Additional Person can fill out the required data and grant their consent to the processing of personal data to use the services related to the MultiSport Programme or Multi.Life Programme as applicable, and to accept the Terms of Use of MultiSport Cards or the Terms of Use of the Multi.Life Services, depending on the Programme to which the Client enrols the Additional Person. The Additional Person will receive, at the indicated e-mail address, a notice requesting that the Additional Person fills out the data and grants consent to the processing of personal data in order to use the services in connection with the MultiSport Programme or Multi.Life Programme respectively and that the Additional Person accepts the Terms of Use of MultiSport Cards or the Terms of Use of the Multi.Life Services respectively. Granting of the consents mentioned above is necessary to receive the Product. The Client will receive a notice from the Operator requesting that the Additional Person supplements the data and grants their consent. If the Additional Person is a minor, the consent to the processing of personal data and to the approval of Terms of Use of MultiSport Cards or Terms of Use of Multi.Life Services is granted by the parent or legal guardian of the minor.
   5. In the Master Agreement, the Operator and the Customer may agree on a different process of entering into the Product Use Agreement than the process described in subpara. 4 and 5 above (e.g. the Operator may provide the Client with the option to attach a signed scan of a statement by an Additional Person or parent or legal guardian of the Additional Person who is a minor regarding the consent to processing of personal data for the purposes of using the services in connection with the MultiSport Programme or the Multi.Life Programme or the Customer shall collect and archive relevant consents from Additional Person in writing).
   6. The Client indicates whether the use of the services specified in the Programme is to start before the lapse of the Product Use Agreement by selecting the appropriate option on the Platform.
   7. Next, the Client selects the “Payment” or equivalent instruction from the relevant Platform tab. Selecting a “Payment” or equivalent instruction means that an offer is placed with the Operator for entering into a Product Use Agreement. This offer is promptly accepted by the Operator by sending to the Client a confirmation of conclusion of the Product Use Agreement referred to in subpara. 9 and 10 below.
   8. As soon as the Client selects the “Payment” or equivalent instruction, an automatic message with a confirmation of conclusion of the Product Use Agreement will be sent to the e-mail address of the Platform User, as entered in the Account details. At this moment, the Product Use Agreement is entered into. The confirmation will also be available in the relevant tab in the Client’s Account.
   9. The confirmation of the Product Use Agreement conclusion will include, among others, the following information: Product type (MultiSport Card or Multi.Life Service), the date from which the Product will be active, payment dates, the method and date of Product Delivery, Product expiry date if any, and a notice on the right of withdrawal from the Product Use Agreement.
   10. Upon conclusion of the Product Use Agreement and making the Payment, the Operator shall deliver the Product(s).
   11. The amount of Payment binding on the parties to the Product Use Agreement is the amount of financing or co-financing of the cost of Programme membership by the Client, is expressed in Polish zlotys and is indicated in the Platform when the Client orders the Product.
   12. If the Client places an instruction for a recurring payment by card, the Operator is responsible for the correct payment order.
   13. The Operator will issue accounting documents in accordance with governing provisions of the law for the costs of Programme membership incurred by the Client and paid through the Platform at the amount corresponding to the payment made.

§ 5 Payments

1. Payments made on the Platform by a bank transfer or payment by card in connection with the Product Use Agreement will be processed by PayU S.A. with its registered office in Poznań at ul. Grunwaldzka 186, listed in the Register of Entrepreneurs kept by the District Court for Poznań – Nowe Miasto i Wilda in Poznań, 8th Commercial Division of the National Court Register, under KRS No.: 0000274399, NIP (Tax Identification Number): 779-23-08-495, REGON (Business Statistical Number): 300523444, as the Acquirer.
2. After conclusion of the Product Use Agreement, the Client who:

3. A Client makes Payments on their own. The Operator will not charge the Client any fees for execution of Payments through the Acquirer.
4. Failure to make the Payment by the date prescribed by the Product Use Agreement results in the Product being blocked, i.e. suspension of the right to use the services specified in the Programme. The Operator will not charge any Programme membership fees for the period of suspension.
5. If the Product remains blocked due to failure to make the Payment for a period longer than 9 consecutive months, the Operator may terminate the Product Use Agreement with a one month’s notice (i.e. one month before termination of the Agreement, the Operator will send an electronic message to the Client informing them about the planned termination of the Product Use Agreement).
6. The Client may file any complaints due to non-performance or improper performance of Payment services to the Acquirer or to the Operator.

Section 6. Withdrawal from the Product Use Agreement

1. The Client may withdraw from the Product Use Agreement in whole or in part for convenience within 14 days of the date of conclusion of the agreement, i.e. from the date of receipt of the confirmation of its conclusion as referred to in Sections 4.9 and 4.10 along with the instruction on the right of withdrawal.
2. To exercise the right of withdrawal, the Client must notify Benefit Systems of their decision by submitting a clear statement (for example a statement sent by post, by fax or by e-mail) to the following contact details: Benefit Systems S.A., Plac Europejski 2, 00-844 Warszawa, e-mail address: bok@benefitsystems.pl, phone: (22) 242 42 42. For this purpose, the Client may use the form based on the specimen attached as Appendix 6 to the Terms and Conditions, which is not mandatory. To comply with the time limit for withdrawal from the Product Use Agreement, the Client needs to send a notice of exercise of the Client’s right of withdrawal prior to the expiry of the time limit for withdrawal.
3. When using Products issued to Additional Persons, withdrawal from the Product Use Agreement with respect to the Product issued to the Employee also means withdrawal from the Product Use Agreement with respect to all Products issued to Additional Persons, unless otherwise specified in the Master Agreement.
4. If the Client withdraws from the Product Use Agreement, the Operator shall refund the Client for the amounts paid by the Client as part of financing or co-financing of Product costs (including the costs of Product delivery, with the exception of additional costs arising out of the method of delivery as selected by the Client, other than the least expensive ordinary way of delivery offered by the Operator), using the same means of payment used by the Client, unless the Client specifically agrees to a different type of refund that does not involve any costs for the Client.
5. The money will be refunded immediately, at the latest 14 days after the Operator receives the Client’s notice of withdrawal from the Product Use Agreement.
6. If, at the Client’s express request, the use of the services under the Product Use Agreement started before the end of the time limit for withdrawal from the Product Use Agreement as referred to in Subsection 1 above, the Client shall pay for the services provided by the Operator in respect of:
   1. MultiSport Card issued to an Employee and MultiSport Cards issued to Additional Persons; or
   2. Multi.Life Service made available to an Employee and Multi.Life Services made available to Additional Persons;

until withdrawal from the Product Use Agreement, in the amount of 1/30 of the monthly fee for the use of the services specified in the MultiSport Programme or Multi.Life Programme for each day of use of the Services by the Client or Users who are Additional Persons. The Platform Operator may deduct this amount from the amount of refund for the services referred to in Subsection 5 above.

Appendix 4

Terms and conditions of using MultiSport mobile application

§ 1 Definitions. General provisions

1. The following capitalised terms used in these Terms and Conditions shall have the following meaning:
2. Identity Document – a document which may be used to prove the User’s identity, showing his or her full name and photograph, issued by a public administration authority (in particular, an identity card, passport, residence card, driver’s license), a professional self-government authority (service card), primary school, secondary school, art college (school IDs) or tertiary schools (student IDs). An employee badge shall not be regarded as an Identity Document. An Identity Document shall also be accepted in the form of presenting the screen of the User’s mobile device showing his or her personal data via the mTożsamość (mIdentity) feature of the mObywatel (mCitizen) app,
3. Child – a child of the Employee aged under 15,
4. Kids Card – a Card issued by Benefit Systems to a Child, i.e. MultiSport Kids Card, MultiSport Kids Aqua Card, MultiSport Plus Dziecko Card, MultiSport Classic Dziecko Card, MultiActive Dziecko Card, MultiActive Kids Card, MultiSport Classic Kids Card, MultiSport Light Kids Card or MultiSport Light Dziecko Card,
5. Student Card – a Card issued by Benefit Systems to Youths,
6. Youth – a child of the Employee between the age of 16 and 26,
7. Facility – a facility where sports and recreation services are provided as part of the MultiSport Programme,
8. Confirmed Identity – a feature of the Application which confirms that the User’s identity has been verified.
9. The Application can be downloaded from an application store appropriate for a given mobile device, including Google Play, Huawei AppGallery or App Store.
   
   § 2. Technical Requirements‍

1. A mobile device with access to the Internet (a mobile phone or a tablet) shall be required for downloading the Application.
2. Use of the Application shall require a mobile device (a mobile phone or a tablet) with the Android or iOS operating systems in a version no older than the last two versions of the respective system and Internet connection.
3. The technical security measures provided within the Application shall include:
   1. encryption of API connection using SSL,
   2. authorization using an OAuth server.
4. Benefit Systems represents that the public nature of the Internet network and the use of electronically supplied services may entail the risk of Service User’s data being intercepted and modified by unauthorized individuals. Service Users should therefore use appropriate technical measures to mitigate those risks. In particular, Service Users should use anti-virus software and software protecting the identity of Internet users. Benefit Systems shall never ask the Service User to provide their Password in any form.

§ 3. Functionalities

1. A Service User registered and logged in to the Application may use the following features:
   1. Service User’s Account,
   2. searching for Facilities,
   3. viewing the content made available, such as contact details or FAQ,
   4. other services described in the Application for logged-in Service Users.
2. A Service User registered and logged in to the Application, who holds an active MultiSport Card, may use the features specified in subpara. 1 above, and the following additional features:
3. access to the video content,
4. access to the MultiSport Card and Kids Card held (if the Service User has this type of card),
5. reviewing the User’s visits to Facilities; making the Mobile Kids Card available to other Service Users registered in the Application (excluding other Kids Card Service Users) – feature available only to Employee Users,
6. Confirmed Identity,
7. other services described in the Application for logged-in Service Users who hold an active MultiSport Card.
8. When searching for a Facility, the Application uses the geolocation feature. The geolocation feature is disabled by default. The Service User may manually enable geolocation by granting consent to save the location of their mobile device. Geolocation is not necessary for using the search engine.
9. [Service User’s access to the Mobile Kids Card] An Employee User has access in his/her Account in the Application to a Kids Card that has been issued for a Child enrolled in the MultiSport Programme by that Service User. The Mobile Kids Card is visible in the Service User’s Account as an additional Mobile Card.
10. [making the Mobile Kids Card available to other Service Users registered in the Application (excluding other Kids Card Service Users)] An Employee User may use the functionality to make the Mobile Kids Card available to other Service Users registered in the Application (including Student Card Users, but excluding other Kids Card Users). The Mobile Kids Card is visible in the Service User’s Account as an additional Mobile Card. If the Mobile Kids Card is made available to a Service User under the age of 18, when visiting the Facility, such Service User and the Kids Card User shall declare at the reception of the Facility (except for the Swimming Pool Facility) that they are a minor and present the consent of their parent or legal guardian for the visit, in accordance with the terms and conditions of the Facility.
11. [Confirmed Identity] In order to obtain a Confirmed Identity, the Service User should carry out the process of verifying his/her identity as follows:
12. the Service User should upload his/her photo from the memory of his/her mobile device to the Application, and then
13. the Service User should present at the Facility the Identity Document and the Application with the photo referred to in point a) above, together with the QR code or token number used to confirm identity generated in the presence of the Facility staff. After confirmation of the identity in the Facility, the Service User obtains the status of a Service User with the identity verified in the Application, which will be automatically marked in the Application with the annotation “Confirmed” on the Service User’s Account in the Application,
14. the verification of the Child’s identity may be carried out both by the Service User who has enrolled the Child in the MultiSport Programme and by the Service User to whom the Child’s Mobile Kids Card has been made available. In any case, in order to verify the identity of the Child, it shall be necessary to show the Child’s Identity Document at the Facility (which does not apply to Children not subject to the schooling obligation),
15. the Service User may carry out identity verification at most Facilities; in order to confirm that a specific Facility enables such identity verification, the Service User should check this at the website at https://www.benefitsystems.pl/produkty/multisport via the Website’s Facility search engine or via the Application’s “Search” tab before visiting such Facility.
16. If the Service User verifies his or her identity in the Application and obtains a Confirmed Identity, he or she may not change his or her photo on a given mobile device (referred to in subpara. 8(a)) for the duration of the photo change blockade (indicated in the Application). During that time, the Service User may change the photo on a given mobile device by contacting Benefit Systems at the address: bok@benefitsystems.pl.
17. The Confirmed Identity shall be valid on a given mobile device only. If the mobile device is changed or if several devices are used, the Service User should verify the identity on the new (next) device again.
18. The Service User may receive push messages, i.e. short messages that are displayed directly on the screen of the Service User’s mobile device while the Service User uses or does not use the Application, containing administrative information (e.g. information about responding to the Service User’s request, amendments to these Terms and Conditions, etc.). If the Service User agrees, he or she may receive push messages displayed directly on the screen of the Service User’s mobile device when the Service User is or is not using the Application, with information on products and services available to Cardholders, including information on Benefit Systems’ own products and services as well as the products and services of Benefit Systems’ counterparties who offer additional benefits to the Cardholders (such as dietitian services, trainer services, medical and insurance services, as well as education- and development services). The Service User may switch off or configure the Push messages in the Application settings.
19. The Application may allow Service Users to use additional services upon acceptance of separate terms and conditions governing a given service.

‍
§ 4. Using a Mobile Card and a Confirmed Identity‍

1. Only logged-in Service Users who hold an active MultiSport Card may use a Mobile Card and Confirmed Identity.
2. In order to use the services of a Facility as part of the MultiSport Programme using a Mobile Card, it shall be necessary for the Service User to:
   1. hold an active MultiSport Card,
   2. log into the Application and, in the case of the Mobile Kids Card, log the Child into the Child’s Account in the Application or have access to the Mobile Kids Card in the User’s Account or make the Mobile Kids Card available to another Service User,
   3. generate a QR Code or token number,
      
      • i. to generate a QR Code or token number, an Internet connection is required,
      • ii. if there is no Internet connection, the Service User can generate a QR Code or token number offline. The screen with the QR Code generated should show “Offline Code”. The Service User will be able to use the QR Code or token number offline when he/she first generates a QR Code or token number online when he/she has access to the Internet.
   4. present a valid QR Code or a valid token number to be scanned at the Facility together with:
      
      • i. an Identity Document, or
      • ii. a Confirmed Identity.
        
        At most Facilities, the Service User may present a Mobile Card with a Confirmed Identity in order to use the services available at the Facilities. In order to verify whether a given Facility accepts a Mobile Card with a Confirmed Identity, the Service User, before visiting the Facility, should check this on the website at www.benefitsystems.pl/MultiSport/ in the Facilities search or in the “Search” tab of the Application;
   5. if a QR Code or a token number cannot be generated in the Application, the User may obtain a QR Code or a token number with information necessary to use the services provided by the Facility (first and last name of the User, Card type and number, information about the Confirmed Identity status, and if uploaded to the Application – the User’s photo) to the e-mail address of the User which is also the User’s Login in the Application.
3. A QR Code or token number must be generated in the Facility immediately before using the service of the Facility.
4. The QR Code and token number shall be one-time and they shall have a specific duration indicated each time in the Application.
5. Cancelling a visit to the Facility shall require the generation of a separate QR Code or token number and their presentation to Facility personnel.
6. The User shall not be able to use the Facility’s services unless he or she has complied with the prerequisites specified in these Terms and Conditions, the terms of the Card, or the house rules of the Partner’s Facility specified by the Partner, in particular:
   
   1. in the event that the data on the Card or displayed by the Application on the Mobile Card does not match the data in the Identity Document;
   2. in the event that the Service User carries no Card and does not use the Mobile Card;
   3. in the event that the Service User carries no Identity Document, and at the same time does not use a Confirmed Identity in the Application.
7. Benefit Systems shall have the right to deactivate a Confirmed Identity or block the Service User from using the Mobile Card in the following cases:
   
   1. using the Confirmed Identity or the Mobile Card by the Service User in contravention of these Terms and Conditions, in particular if the Service User is not a Cardholder or if he/she uploaded a photo of a person other than the Cardholder into the Application to obtain a Confirmed Identity;
   2. reasonable suspicion of use of the Confirmed Identity or Mobile Card by unauthorised persons;
   3. use of the Confirmed Identity or Mobile Card for a purpose which only serves to reduce the functionality of the Application by deliberately limiting its availability or overloading its capacity;
   4. reasonable suspicion of any unauthorised operations related to the use of the Confirmed Identity or Mobile Card.
8. Using the Application, including the Mobile Card, or deleting an Account in the Application shall not affect the Service User’s ability to continue using the plastic version of the Card with a chip.

§ 5. Personal Data

1. The Controller of the Service User’s personal data and – for the Mobile Kids Card – of the Service User’s Child’s, is Benefit Systems.
2. Detailed information on the processing of personal data is available in the “Terms and conditions” tab of the Application, after selecting the “My account” option.

Appendix 5

Model withdrawal statement from the Account Agreement

To submit a notice of withdrawal from the Agreement for maintaining an account on the Website / in the Application with Benefit Systems, the following form of the notice may be used:

Benefit Systems S.A.
Plac Europejski 2
00-844 Warsaw
bok@benefitsystems.pl

I ………………………………. hereby withdraw from the Agreement for maintaining an account in the Website / Application: ……………………………….

Full name………………………………………………………….
Login on the Website / in the Application……………………………………………………………

Appendix 6

Specimen form of the withdrawal from the MultiSport Card/ Multi.Life Service Use Agreement

To submit a statement of withdrawal from the Agreement for the Use of the Product, the following model statement may be used:

Benefit Systems S.A.
Plac Europejski 2
00-844 Warsaw
bok@benefitsystems.pl

I hereby terminate the MultiSport Card/Multi.Life Service Use Agreement.

User’s first name and surname: ………………………………………………………….
E-mail address used to set up the Platform account: ………………………………………………………………

Number of the MultiSport Card / Multi.Life Service of the User (if the MultiSport Card / Multi.Life Service is not delivered to the User, leave this field blank) …………………………………………………

SCOPE OF WITHDRAWAL:

1. resignation from the MultiSport Card / Multi.Life Service of the Employee: YES*/NO (mark as appropriate):

* In accordance with the Terms and Conditions, resignation from the MultiSport Card/Multi.Life Service by the Employee means resignation from all Cards/ Products of Additional Persons.

or

1. resignation from the MultiSport Card / Multi.Life Service of the Additional Person (accompanying persons, children, young people, senior citizens) YES/NO* (mark as appropriate):

Full name of the additional person: …………………………………………………………………….…

Full name of the additional person: …………………………………………………………………….…

Full name of the additional person: …………………………………………………………………….…

Full name of the additional person: …………………………………………………………………….…

Full name of the additional person: …………………………………………………………………….…

Full name of the additional person: …………………………………………………………………….…

Full name of the additional person: …………………………………………………………………….…

Full name of the additional person: …………………………………………………………………….…

* In accordance with the Terms and Conditions, no Cards/ Products of Additional Persons can be left available if the Employee resigns from the MultiSport Card/Multi.Life Service.

Name of the Employee’s employer** …………………………………………………..

Number of bank account to which the refund is to be made** ………………………………………………

** Optional data; provision of such data will speed up application processing.

Information on the processing of personal data of users of our websites or mobile application:

Data Controller: Benefit Systems S.A. with its registered office in Warsaw, Plac Europejski 2, 00-844 Warsaw (hereinafter referred to as ‘we’ or ‘Benefit Systems’). The controller may be contacted by e-mail at daneosobowe@benefitsystems.pl or in writing at the following address: Pl. Europejski 2, 00-844 Warsaw, in an envelope marked ‘Dane osobowe’ [personal data].

Data Protection Officer: You can contact our Data Protection Officer on matters relating to data protection in the following manner: by post at the following address: Pl. Europejski 2, 00-844 Warsaw, in an envelope marked ‘IOD’, via e-mail: iod@benefitsystems.pl and via contact form at https://www.benefitsystems.pl/formularz-dane-osobowe/.

Scope of data processed We will process your personal data and, if you have provided it to us, your child's personal data, to the extent specified in the forms you have filled in.

We also process the data you provide when you use your account on our websites and our mobile application, as well as data concerning your activity on our websites and in our application (e.g., data about pages you visit, bookmarks, how much time you spend there, etc.).

Furthermore, in accordance with the Terms and Conditions of Electronically Supplied Services of Benefit Systems S.A., if you use the facility search engine and turn on the geolocation function, we will process your geolocation data in order to show you facilities located near your location.

If you upload your or your child’s photo to our application in order to obtain a Confirmed Identity, we will process it to guarantee you or your child the Confirmed Identity functionality and in order to send it back to your e-mail address if you would like to use facility services while a QR code or token number cannot be generated in the app.

We will also process data relating to your device through which you use our websites or applications: IP address, data stored in cookies or other similar technologies (see: ‘Policy on cookies and other similar technologies’). We also process data comprising contents of HTTP requests transmitted from your device to our server (URL, IP address, browser data, date and time of the request, HTTP response code, error information, cookie ID, page resources viewed). The data so collected are recorded in server logs.

Purposes and legal bases for processing: We will process your personal data and, if you have provided it to us, your child's personal data, for the purposes of:

• providing access services and account maintenance services on our websites and in our mobile application – because it is necessary for the performance of the contract between you and Benefit Systems, i.e. the contract on electronically supplied services in accordance with the Terms and Conditions of the provision of electronically supplied services by Benefit Systems S.A. (legal basis – Article 6(1)(b) GDPR);
• where we collect special categories of data in order to provide you with a service, we process your data on the basis of your explicit consent (legal basis – Article 9(2)(a) GDPR). The provision of this data is always voluntary, but may be necessary in order to use the service in question;
• related to compliance with our legal obligations – we may have obligations arising from applicable laws that require us to process your personal data; in particular, this concerns compliance with tax and accounting obligations (legal basis – Article 6(1)(c) GDPR);
• server administration and security assurance for statistical purposes and for the purposes of facilitating the use of our websites and mobile application on the basis of our legitimate interest consisting in improving the functionality of services provided by us electronically (legal basis – Article 6(1)(f) GDPR);
• exercising, establishing or defending legal claims. We act on the basis of our legitimate interest consisting in the ability to establish or defend a legal claim (legal basis – Article 6(1)(f) GDPR);
• in connection with carrying out marketing activities – we may process your personal data: (i) for the purposes of marketing communications, including mailing commercial information and presenting offers in pursuit of our legitimate interest that consists in presenting you with marketing contents, including contents tailored to you on the basis of profiling, in connection with your consent to use the communication channel you have chosen for this purpose; ii) for the purposes of online marketing activities in pursuit of our legitimate interest that consists in presenting advertisements and offers, including those tailored to your potential needs and interests on the basis of profiling, in connection with your consent to the use of cookies or similar technologies or, where applicable, in connection with your consent to our use of information on your location for marketing purposes; iii) for the purpose of carrying out analyses and statistics for marketing purposes and for the purpose of surveying satisfaction with our services in pursuit of our legitimate interest that consists in improving the quality of our customer service and optimizing the products and services offered by us (legal basis – Article 6(1)(f) GDPR).

Data recipients: Your personal data may be transferred to the following entities: Benefit Systems Group companies, hosting and maintenance service providers for our websites and mobile application, ICT and IT support and security service providers, data storage and destruction service providers, entities providing services for our clients and other stakeholders (e.g. couriers), and supporting our marketing activities, as well as to legal counsels and auditors. Your data may also be transferred to our affiliated entities that offer additional services in connection with your ownership of an account on our website or in our mobile application, as well as to social network operators.

Your data may also be transferred to public authorities in cases provided for by law.

If you use the function of making the Virtual Kids Card available to other users registered in our application, your child's personal data will be disclosed to the users indicated by you.

Transfers outside the EEA: As a rule, your personal data are not transferred outside the European Economic Area (EEA). Should such a transfer occur, we will make reasonable efforts to have appropriate safeguards in place. In such case, you can contact us to obtain copies of the implemented security measures. You will find our contact details above.

Period of processing: After you have finished using our websites or mobile application, we will process your data for as long as they are stored in the server logs. If you have an account on our websites or in our application, we will keep your data until you delete your account.

Where we process your data for the purposes of complying with our legal obligations, we will do so for the time necessary to comply with our legal obligations, in particular as required by applicable law.

Where we process your personal data based on our legitimate interests, we will do so until you lodge an effective objection or, alternatively, until the expiry of the limitation period for claims.

Source of data: We obtain your data directly from you. We may also obtain your data from entities that offer you additional services in connection with your ownership of an account on our websites and in mobile application (e.g. MultiLife Diet, Focusly, etc.) or from providers of external authentication services (e.g. Facebook, Apple).

Your rights in relation to the processing of your personal data: Right to request access to personal data, right to request rectification of personal data, right to request erasure of personal data, right to request restriction of personal data processing, right to object to the processing of personal data, right to data portability, right to withdraw consent to personal data processing, and right to lodge a complaint with the President of the Personal Data Protection Office.

Provision of data: As a rule, providing personal data is not compulsory, but may be necessary for you to use the services provided by Benefit Systems, e.g. to enter into a contract with us. Therefore, your failure to provide your data may in some instances make it impossible for us to provide services. Our forms used to collect data clearly indicate the data the provision of which is necessary.

Automated decision-making: We do not make any decision concerning you which would be based solely on automated processing of your information which would produce legal effects concerning you or similarly affect you in a significant way.

Specific information about the processing of your personal data can be found in our Privacy Policy: https://www.benefitsystems.pl/en/privacy-policy/.

Regulamin świadczenia usług „MultiLife Diet”

Regulamin obowiązuje od 16.02.2023 roku

I. Definitions

II. General provisions

III. Terms of use of the "Multi.Life Diet" services and the "Multi.Life Diet" Website and Applications‍

1. Technical conditions
2. Formal conditions. License to use the "Multi.Life Diet" services and the "Multi.Life Diet" Website and Applications

IV. Multi.Life Diet services provided under the agreement

1. Scope of "Multi.Life Diet" services
2. Terms of use of Multi.Life Diet services
3. Terms of providing "Multi.Life Diet" services

V. Blocking or deleting "Multi.Life Diet" account

1. Blocking services on the "Multi.Life Diet" Website
2. Blocking "Multi.Life Diet" account
3. Deleting "Multi.Life Diet" account

VI. Complaints

VII. Final Provisions

I. Definitions

The terms used in the content of these regulations mean respectively:

1. ‍Regulations - these regulations for the provision of Multi.Life Diet services;
2. Diet and Wellness - Diet and Wellness sp. z o.o., a limited liability company with its registered office in Warsaw, at ul. Modelowa 3, 02-797 Warszawa, entered in the Register of Entrepreneurs kept by the National Court Register under the number KRS 0000440420, NIP (Tax Identification Number) 5252544624 and REGON (National Business Registry Number) 146412710;‍
3. Benefit Systems – Benefit Systems S.A., with its registered office in Warsaw, at the following address: Plac Europejski 2, 00-844 Warsaw, entered in the Register of Entrepreneurs in the National Court Register kept by the District Court for the Capital City of Warsaw, 13th Commercial Division of the National Court Register (KRS), with the KRS Number: 0000370919, NIP 836-16-76-510, REGON 750721670 BDO 000558784
4. User - a natural person with access to the Multi.Life Program or the Yes2move.com platform offered by Benefit Systems, authorized to use Multi.Life Diet services provided by Diet and Wellness in accordance with the Regulations;‍
5. Agreement - an agreement for the electronic provision of "Multi.Life Diet" services, concluded in accordance with the Regulations between Diet and Wellness and a given User, with the content specified in the Regulations;‍
6. „Multi.Life Diet” - name of services provided electronically by Diet and Wellness for Users under the Agreement;‍
7. "Multi.Life Diet" Website - the website available at: www.multilifediet.pl with all its subpages, through which Diet and Wellness provides Users with "Multi.Life Diet" services;‍
8. „Multi.Life Diet" Applications - mobile applications available in the App Store and Google Play Store under the name "Multi.Life Diet", with the use of which Diet and Wellness provides Users with "Multi.Life Diet" services.

II. General provisions

1. The Regulations define the terms and conditions of using the Multi.Life Diet services provided by Diet and Wellness to Users. The "Multi.Life Diet" services consist, in particular, in composing individual nutritional plans for individual Users on the basis of information provided by Users.
2. The owner and administrator of the "Multi.Life Diet" Website and Applications is Diet and Wellness.
3. The Regulations constitute an integral part of the Agreement which is concluded when the User starts using the Multi.Life Diet service.
4. The materials made available to Users as part of individual Multi.Life Diet services as well as the appearance and content of the Website and the Applications are the property of Diet and Wellness and are protected under the Act of February 4, 1994 on Copyright and Related Rights (i.e. Journal of Laws of 2006, No. 90, item 631, as amended). These Regulations define the rules of using the legally protected Multi.Life Diet services as well as the Website and the Applications by the User.
5. Diet and Wellness informs the Users that due to the public nature of the Internet network through which the Multi.Life Diet services are provided, the use of these services may involve the risk of interference by third parties in the transmission of data sent between Diet and Wellness and the User. Diet and Wellness pays particular attention to the User about the risk related to the access to the User's account on the Website and in the Applications by unauthorized persons in the event that the User remains logged in to his account on the "Multi.Life Diet" Website or Applications.
6. Diet and Wellness reserves that during the maintenance work of ICT systems, access to the "Multi.Life Diet" service may be difficult or impossible, for which Diet and Wellness is not liable towards Users, however Diet and Wellness undertakes to exercise all possible diligence such difficulties occur as rarely or as shortly as possible.
7. Any opinions and comments published by Users on the Website or Applications are private opinions of the Users. Diet and Wellness is not obliged to monitor the content (Users' opinions or comments) posted on the Website or Applications. Diet and Wellness shall not be liable for the content of Users' private opinions or comments published on the Website or Applications, in particular for any breach by Users of any third party rights by such publications.

III. Terms of use of the "Multi.Life Diet" services and the "Multi.Life Diet" Website and Applications

A. Technical Requirements

1. The following technical requirements must be met in order to enjoy „Multi.Life Diet” services:
   
   1. access to a device which makes it possible to browse websites or use mobile applications,
   2. active Internet connection for the device mentioned above;
   3. Microsoft Windows 7 or newer correctly installed in your device, or Apple’s operating system macOS 10.12 or higher, or Android 7.0 or higher, or iOS 11.4.1 or higher.

2. If you use „Multi.Life Diet” Services via the website multilifediet.pl, you must have:
   1. an up-to-date Mozilla Firefox, Google Chrome, Opera, or Safari internet browser correctly installed on the device mentioned above, with a possibility to display hypertext (HTML) documents posted online via the World Wide Web;
   2. Accept cookie files option enabled on said internet browser;
   3. Java Script option enabled on said internet browser.

3. „Multi.Life Diet” Services are also available for devices with other operating systems, but due to technical considerations, there may be some difficulties encountered, for which we cannot be held responsible.

B. Formal conditions. License to use the "Multi.Life Diet" services and the "Multi.Life Diet" Website and Applications.

1. The User should meet all of the following conditions: o is over 16 (sixteen) and is not incapacitated,
   
   • has access to the Multi.Life Program or to the Yes2move.com platform,
   • accepted the Regulations.
2. The User before starting using Multi.Life Diet services, must first: o set up an account on Multi.Life Diet Website or Application,
   
   • consult a doctor to find out if there are no contraindications to the chosen diet and keep a doctor informed that User are using Multi.Life Diet diet plans.
   • publish illegal materials or content on the Multi.Life Diet Website or Application, including those infringing the rights of Diet and Wellness or third parties, content that is offensive, vulgar or other, contrary to the law or principles of social coexistence.
3. The User is obliged to provide Diet and Wellness only with real personal data, on the basis of which Diet and Wellness assesses the User's compliance with the formal conditions required by the Regulations for the provision of Multi.Life Diet services.
4. The User is obliged to protect the data necessary to log in enabling access to his account on the Multi.Life Diet Website or Application, in particular by not disclosing this information to third parties.
5. The User may only use his own account on the Multi.Life Diet Website or Application, he is also not allowed to make his account on the Multi.Life Diet Website or Application available for use by third parties.
6. "Multi.Life Diet" services are intended solely for the Users' personal use and may not be used in part or in full for any other purposes, in particular for advisory or information purposes for other persons, as well as for comparative or illustrative purposes.
7. The User is obliged to use the Multi.Life Diet services only in accordance with the Regulations, applicable law and good manners for using the Internet.
8. When using the Multi.Life Diet services, the User is not allowed to:
9. Diet and Wellness reserves that the costs of connecting to the Internet and the costs related to the use of end devices with which the User uses the Multi.Life Diet services shall not be charged to Diet and Wellness.
10. Diet and Wellness grants the User a non-exclusive license to use the Multi.Life Diet services and the Multi.Life Diet Website and Application for the duration of the Agreement only in the manner specified in the Regulations. The use by the User of the Multi.Life Diet services as well as the Website and Application shall not result in the User acquiring any rights to the "Multi.Life Diet" services and the Website and the Application, including proprietary copyrights as well as personal and derivative copyrights, nor industrial property rights.

IV. Multi.Life Diet services provided under the Agreement

A. Scope of "Multi.Life Diet" services

The "Multi.Life Diet" service provided to the User by Diet and Wellness is: the "Multi.Life Diet" program consisting of an individual nutritional plan, generated on the basis of the assumptions and guidelines of the User, together with all program functionalities, including in particular:  

1. Nutrition plan with:
   
   1. Possibility to exchange a meal,
   2. Possibility of replacing an ingredient,
   3. Possibility of getting acquainted with the preparation recipe and the details of the meal,
   4. Possibility of creating your own, original nutritional plan,
   5. Possibility to add snacks and drinks,
   6. The ability to track the value of nutrients (kcal, proteins, carbohydrates, fats), Motivator of drinking water,
2. Statistics, including in particular:
   
   • i. Weight controller
   • ii. BMI controller
   • iii. Daily caloric demand controller
3. Shopping lists,
4. Favorites section,
5. Educational section "Do you know that ...",
6. Recipes base,
7. Products base,
8. My workouts section, in particular with:
   
   1. i. Calorie burning calculator,
   2. ii. Possibility to add training to the nutritional plan,

1. Panel for contact with a dietitian.
2. Mediterranean diet
3. Convenience diet
4. On-a-Budget diet
5. Vegetarian diet
6. Hashimoto diet
7. Diabetic diet
8. MIND diet
9. DASH diet
10. Gluten-Free diet
11. Active diet
12. High-protein diet
13. Muscle-gain diet,
14. Spring diet,
15. Immune-boost diet,
16. Anti-inflammatory diet.

As part of an individual diet plan, the User may choose one of the following types of diets: When using the "Multi.Life Diet" services, the User may make any number of changes to the type of diet.

B. Terms of use of Multi.Life Diet services

1. Diet and Wellness hereby stipulates that the use of "Multi.Life Diet" services provided to Users requires an active account on the Multi.Life Diet Website or Application.
2. In order to start using the Multi.Life Diet services, the User should: o choose one of the individual diet plans, provide during the registration process or add in the account settings on the Multi.Life Diet Website or Application the information necessary to generate the first individual diet plan.

C. Terms of providing "Multi.Life Diet" services

1. The provision of "Multi.Life Diet" services will commence, to which the User agrees, upon the creation of an individual diet plan on the "Multi.Life Diet" Website or Application.
2. The User declares that he has acknowledged and understands that: o for the proper performance by Diet and Wellness of the "Multi.Life Diet" services, it is necessary for the User to cooperate properly, consisting in reliable supplementation of the required information, because an individual diet plan is generated each time based on the information provided by the User in his profile on the "Multi.Life Diet" Website or Application,
   
   • the use of a specific type of diet may be excluded in the event of health contraindications to its use. The User declares that before starting to use the diets selected from among those offered under the "Multi.Life Diet" service, he has consulted the appropriate doctor in order to establish any recommendations or contraindications as to the User's diet in accordance with the selected type of diet,
   • an individual diet plan allows the User to arrange a nutrition system that facilitates the achievement and maintenance of a specific body weight of the User, the weight of which cannot be lower than the minimum norms of correct body weight established by the World Health Organization, and determined by the parameter of the body mass index (BMI),
   • individual diet plans, although they will be prepared based on the current scientific knowledge, but due to the specificity and complexity of the human body, they do not guarantee the results desired by the User, for which Diet and Wellness is not responsible.

V. Blocking or deleting "Multi.Life Diet" account

A. Blocking services on the "Multi.Life Diet" Website

1. If the User publishes content that is contrary to the law or the Regulations, Diet and Wellness has the right to block the User's use of Multi.Life Diet services for the time necessary to clarify the matter or remove content that violates the law or the Regulations.
2. The User declares that he has acknowledged and understands that the blocking by Diet and Wellness of the possibility to use the Multi.Life Diet service in accordance with the Regulations does not interrupt or suspend the validity of the account.

B. Blocking "Multi.Life Diet" account

1. Diet and Wellness reserves the right to which the User agrees that Diet and Wellness may block the User's account on the "Multi.Life Diet" Website and Application, if the User, despite the reminder, breaches the provisions of the Regulations.
2. The User declares that he has acknowledged and understands that blocking the User's account on the „Multi.Life Diet” Website and Application by Diet and Wellness in accordance with the Regulations will result in the User temporarily losing the possibility to use some or all of the Multi.Life Diet services, what the User agrees to.
3. The User declares that he has acknowledged and understands that blocking the User's account on the Multi.Life Diet Website and Application by Diet and Wellness in accordance with the Regulations, does not interrupt or suspend the validity of the account.

C. Deleting "Multi.Life Diet" account‍

1. The User may at any time delete his / her own account on the "Multi.Life Diet" Website and Application.
2. Diet and Wellness reserves the right to which the User agrees that Diet and Wellness may delete the User's account on the "Multi.Life Diet" Website and Application, if the User: o despite the warning, it grossly violates the Regulations,
   
   • violates the Regulations despite prior blocking of his account on the "Multi.Life Diet" Website and Application.
3. The User declares that he has acknowledged and understands that deleting the User's account on the "Multi.Life Diet" Website or Application will result in the irretrievable loss of any information collected there by the User.
4. The User declares that he has acknowledged and understands that the deletion by the User of the account on the "Multi.Life Diet" Website and Application, constitutes termination by the User with immediate effect of the Agreement for the provision of "Multi.Life Diet" services.

VI. Complaints

1. Complaints submitted in connection with the User's use of the "Multi.Life Diet" services should be submitted in writing and sent to the address of Diet and Wellness or in electronic form to the following address: reklamacje@multilifediet.pl
2. Complaints should be submitted within 7 (seven) days from the date of the event justifying the complaint.
3. The complaint should contain the designation of the User submitting the complaint and contain a brief description of the event justifying the complaint together with its justification.
4. Within 14 (fourteen) days from the date of receipt of the complaint, it will be considered and the User reporting it will be informed about its result via e-mail sent to the e-mail address provided by the User.

VII. Final Provisions

1. Diet and Wellness reserves the right to amend the Regulations for important reasons related to the change of: o the conditions for the provision of Multi.Life Diet services,
   
   • the terms of use of the Multi.Life Diet services,
   • functionality of the Multi.Life Diet Website or Application,
   • applicable law.
2. Amendments to the Regulations shall become effective after 14 days from the date of their publication on the Multi.Life Diet Website and Applications. Each User will be additionally notified by Benefit Systems about the content and scope of changes to the Regulations by sending information about changes to the Regulations to the e-mail address.
3. In matters not covered by the Regulations, the provisions of Polish law shall apply.
4. Any disputes arising in connection with the User's use of the "Multi.Life Diet" services will be resolved, if necessary, by a materially competent Polish common court, in accordance with the provisions of Polish law and in Polish.
5. If any of the provisions of the Regulations turns out to be or is found to be invalid by a final court decision, all other provisions of the Regulations shall remain in force.

Terms and conditions of Multi.Life newsletter

General

1. These terms and conditions (hereinafter: “Terms and Conditions”) set out the principles of providing the Newsletter service (hereinafter: “Service”) to interested parties (hereinafter: “Service Users”).
2. The Service is provided by Benefit Systems S.A. based in Warsaw at ul. Plac Europejski 2, 00-844 Warszawa, registered by the District Court for the Capital City of Warsaw in Warsaw, 13th Commercial Division, under KRS [National Court Register] No.: 0000370919, NIP [Tax Identification Number]: 836-16-76-510, REGON [business entity statistical number]: 750721670, BDO [Waste Management Register]: 000558784, with a share capital of PLN 2,933,542.00 (fully paid up) (hereinafter: “Benefit Systems”).
3. As part of the Service provided, Benefit Systems sends educational materials, including expert articles and advice on caring for one’s well-being, as well as commercial information on products offered by Benefit Systems (e.g. articles, infographics, videocasts, audiovisual materials), to the e-mail address indicated by the Service User (hereinafter: “Newsletter”).
4. The Service is available to all Service Users at: multi.life.
5. The Service does not require to incur any costs, other than third-party costs related to the Service User’s access to the Internet or e-mail box insofar as required to receive the Newsletter.
6. The Terms and Conditions are available free of charge at www.multi.life/en/regulations, in a form that enables their download, reproduction and recording.
7. Benefit Systems’ intention is to prepare and send the Newsletter no more than once a week.

Activation and Deactivation of the Service

8. Service Users will be able to use the Service upon completing registration activities in the following order:
   
   1. agreeing to receive the Newsletter in accordance with these Terms and Conditions to the e-mail address indicated by them,
   2. confirming that the e-mail address referred to in item 1 above is correct by clicking on the link sent in an automated e-mail generated by the Benefit Systems site.
9. The Service User must provide the correct e-mail address and verify it in accordance with Section 8 hereof, as a precondition for the agreement between the Service User and Benefit Systems on the provision of electronic services, within the meaning of the Electronic Services Provision Act of 18 July 2002 (Journal of Laws [Dz. U.] of 2016, item 1030 as amended), to be effective in respect of the Service. Failure to do any of the actions specified in Section 8(1-2) will prevent Benefit Systems from providing the Service.
10. The Service Agreement shall be concluded for an indefinite period of time. Service Users who wish to unsubscribe from the Service provided by Benefit Systems may deactivate the Service, i.e. terminate the agreement, at any time by clicking on the active link with the words “Unsubscribe” which is to be found in each e-mail with the Newsletter.
11. The Service may also be deactivated by Benefit Systems in the event that the Service User fails to comply with the obligations required by these Terms and Conditions, in particular by providing unlawful content, impersonating others, providing false personal information or other misrepresentation pertaining to the User, or otherwise violating generally applicable laws.
12. Upon deactivation of the Service, Benefit Systems shall cease sending the Newsletter to the e-mail address of the Service User.

Technical Requirements. Particular Risks of Using Services Provided Electronically

13. Benefit Systems shall use its best efforts to enable using the Service via the Internet by means of all popular Internet browsers, operating systems, computer types and Internet connection types. Benefit Systems does not guarantee and will not be responsible for ensuring that any configuration option of electronic equipment owned by the User will enable the use of the Service. The minimum technical requirements for using the Service, subject to the previous sentence, are as follows:
    
    1. a computer or another electronic device with at least 2 Mb/s in Internet bandwidth;
    2. operating system: Windows 7 or higher, Mac OS X 10.7 or higher, Ubuntu 10 or higher;
    3. equipped with the latest version of the web browser: Google Chrome, Firefox, Microsoft Edge, Safari or Opera, which will support cookies and JavaScript;
    4. having an e-mail box.
14. Benefit Systems hereby represents that the public nature of the Internet and the use of services provided by electronic means may involve the risk of unauthorised interception or modification of User data; therefore, the User should use appropriate technical measures to minimise such risks. In particular, they should use anti-virus software as well as software protecting the identity of Internet users.
15. Benefit Systems applies technical and organisational measures corresponding to the level of risk, including measures to prevent unauthorised interception and modification of personal data sent on the Internet, in order to ensure security of messages and data transferred via the Site. Benefit Systems ensures secure transmission of data via the Site through the use of HTTPS protocol and signing data from the User’s device with an SSL certificate.
16. Primary potential risks of using the Internet include:
    
    1. malware;
    2. various types of applications or scripts which are harmful, criminal or malicious towards the IT system, such as viruses, worms, trojans, keyloggers, dialers;
    3. spyware;
    4. software that tracks activity, collects information about the User and sends it, typically without the User’s knowledge or consent, to the author of the software;
    5. spam;
    6. unwanted and unsolicited electronic messages distributed concurrently to multiple users, often of advertising nature;
    7. wrongful eliciting of confidential personal information (such as passwords) by pretending to be a respectable person or institution (phishing);
    8. attacks on the User’s IT system using hacking tools, such as exploit rootkits.
17. Protection against risks associated with the User’s use of the services provided electronically is also provided by:
    
    1. active firewall,
    2. updating of any type of software,
    3. not opening electronic mail attachments from unknown sources,
    4. reading installation windows of applications and their licensing terms,
    5. deactivating macros in MS Office files of unknown origin,
    6. regular comprehensive scans of the system by anti-virus and anti-malware software,
    7. data transmission encryption,
    8. installation of prevention software (attack detection and prevention),
    9. using the original system and applications from legal sources.

Personal Data

18. The controller of personal data of Service Users, in keeping with Regulation (EU) 679/2016 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (“GDPR”), is Benefit Systems (referred to hereinafter in this Section as “Controller”).
19. The personal data is processed in order to provide the Newsletter service insofar as required to provide it in keeping herewith (Article 6(1)(b) of the GDPR). Benefit Systems also processes personal data of Service Users on the basis of Benefit Systems’ legitimate interest, which is to conduct analyses and statistics and to customise the Newsletter to Service Users’ needs (Article 6(1)(f) of the GDPR).
20. Detailed information on the processing of personal data can be found on the websites referred to in Section 4 hereof and at https://www.benefitsystems.pl/polityka-prywatnosci/.

Intellectual Property Rights

21. All content made available as part of the Service, such as text, graphics, logotypes, icons, images, photos, audio and video files, data files, presentations, navigation solutions, selection and layout of the content presented as part of the Service, as well as any other data, is protected by intellectual property rights (copyright, protection rights to trademarks and other exclusive rights) of Benefit Systems or entities with which Benefit Systems has an agreement in place on the use of such content for the purpose of providing the Service. The elements comprising the Service may not be recorded, reproduced or distributed in any form or manner or traded without Benefit Systems’ prior written consent.
22. By using the Service, Users do not acquire copyright, related rights and similar rights, or obtain any licenses.

Complaints

23. All inquiries and complaints regarding the Service provided by Benefit Systems may be made in writing to the following address: Plac Europejski 2, 00-844 Warszawa or by e-mail to: infolinia@benefitsystems.pl.
24. The letter of complaint should contain:
    
    1. the e-mail address referred to in Section 8.1 hereof,
    2. description of the case, and
    3. at the Service User’s discretion – e-mail address or mailing address other than the one indicated in item 1) above, to which a response to the processing of the complaint should be sent.
25. Benefit Systems may ask the Service User additional questions in order to establish the facts of the case which caused the complaint.
26. Benefit Systems shall consider complaints without undue delay, but not later than within 14 days as of the date of receipt of all the details allowing to handle the complaint.

Liability

27. Benefit Systems shall not be liable for interruption or disruption of Service availability as a result of:
    1. modification, upgrade, expansion or maintenance of Benefit Systems’ software system;
    2. reasons beyond Benefit Systems’ control (force majeure, acts or omissions by third parties which Benefit Systems is not liable for).
28. Benefit Systems shall not be liable to the User for any downtime of or difficulties in providing the Service for reasons attributable to the User.

Amendments to these Terms and Conditions

29. Benefit Systems is entitled to amend these Terms and Conditions in the following cases:
    
    1. changes in laws directly affecting the content hereof;
    2. imposition of certain obligations by state authorities;
    3. improvements in the operation of the Service and User support, including improving the protection of Users’ privacy;
    4. technological and functional changes;
    5. changes in the scope of services provided under the Service, including the introduction of new services;
    6. for security and abuse prevention reasons;
    7. editorial changes in the text of the Terms and Conditions.

29. In the event of revisions to the Terms and Conditions, Benefit Systems shall communicate them to Service Users by sending an e-mail to the e-mail address referred to in Section 8.1 hereof. Any and all revisions hereto shall become effective on the date given in the e-mail referred to in the preceding sentence but not earlier than 10 days after the date on which the notice of the revised version was sent.
30. The Terms and Conditions shall be binding on the Service User, unless the Service User resigns from the Service within 10 days from the date of receipt of information about the change, in case of non-acceptance of the new wording of the Terms and Conditions.

Final Provisions

32. Users who are consumers are advised by Benefit Systems of the possibility to have recourse to out-of-court complaint and redress methods. The rules of access to these procedures are available at the registered offices or on the websites of entities authorised to deal with out-of-court resolution of disputes. The entities include in particular consumer ombudsmen or Provincial Inspectorates of the Trade Inspection, the list of which is available on the website of the Office of Competition and Consumer Protection. Benefit Systems would like to inform you that there is an online system for resolving disputes between consumers and traders in the EU (the European Online Dispute Resolution (ODR) platform) available at http://ec.europa.eu/consumers/odr/. Benefit Systems shall not resort to out-of-court resolution of consumer disputes as referred to in the Act of 23 September 2016 on Out-of-Court Resolution of Consumer Disputes.
33. The User has the statutory right to withdraw from the agreement for convenience and without incurring costs within 14 days from the date of conclusion of the agreement. A specimen withdrawal form constitutes Appendix 1 hereto.
34. These Terms and Conditions do not restrict or waive any rights of Service Users under unconditionally applicable laws.
35. Matters not addressed herein are governed by the generally applicable laws of Poland.

Appendix 1

Specimen notice of withdrawal from the “Newsletter” Service Agreement

To submit a notice of withdrawal from the “Newsletter” Service Agreement with Benefit Systems, the following specimen notice may be used:
Benefit Systems S.A.
Plac Europejski 2
00-844 Warszawa
bok@benefitsystems.pl

I ………………………………. hereby give notice of my withdrawal from the “Newsletter” Service Agreement.

Full name:        …………………………………………………………...
E-mail address: …………………………………………………………...