Terms and Conditions of the Multi.Life Platform

These Terms and Conditions shall apply from 30th September 2026.

§ 1. General Provisions. Definitions

1. These Terms and Conditions describe the rules and conditions for using the Multi.Life Platform and the Benefits provided as part of the Multi.Life Service.
2. Capitalized terms have the following meanings:

1. Multi.Life Application - an application owned by Benefit Systems that allows for the use of the Multi.Life Service on a mobile device. The application can be downloaded from the app store appropriate for the given mobile device;
2. Benefit Systems – Benefit Systems S.A. with its registered office in Warsaw, address: Plac Europejski 2, 00-844 Warsaw, entered into 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, Tax ID (NIP) 836-16-76-510, Statistical ID (REGON) 750721670, BDO 000558784, share capital: PLN 3,301,042.00 (fully paid up), e-mail: bok@benefitsystems.pl, phone: +48 22 242 42 42;
3. Code – a one-time code generated via the Multi.Life Platform with a specified validity period, entitling the User to use a Benefit available as part of the Multi.Life Service on a Partner's platform or at a Partner's facility, in accordance with the terms described on the Multi.Life Platform in the relevant section or on the Partner's platform;
4. Client a natural person, legal entity, or organizational unit that has entered into a Client Agreement with Benefit Systems, under which the Employee and Accompanying Persons designated by the Employee are enabled to use the Multi.Life Program;
5. Consultation – an individual expert consultation that a User can book on the Multi.Life Platform; a Consultation may also include classes or a language lesson;
6. Consultant – a specialist conducting a Consultation with a User;
7. Account - an individual User account maintained for them by Benefit Systems, enabling the use of the Multi.Life Service; the procedure for creating an Account and the rules for its operation are contained in separate Terms and Conditions for electronic services available in a tab on the Multi.Life Platform;
8. Partner – an entity providing services to Users under an agreement with Benefit Systems as part of the Multi.Life Program or – in the case of Consultations – an entity performing Consultations as a subcontractor to Benefit Systems; information about Partners is available at: https://pomoc.multi.life/pl/articles/273677-co-znajdziesz-w-odkrywaj;
9. Multi.Life Platform – the website available at multi.life, app.multi.life or via the Multi.Life App, containing a collection of Benefits and functionalities available to the User after registering and logging into the Multi.Life Platform;
10. Partner Platform - the Partner's website (which may also be in the form of a mobile application) enabling the User to redeem the Benefit under the terms and conditions described in that service's regulations;
11. Multi.Life Program – a program comprising a set of wellbeing services selected by Benefit Systems in accordance with the Agreement with the Client and provided to Users. General information about the individual Multi.Life Program packages is available at the following URL: https://pomoc.multi.life/pl/articles/74654-dostepne-pakiety;
12. Terms and Conditions – these terms and conditions,
13. Electronic Services Terms and Conditions – the "Terms and Conditions for the Provision of Electronic Services by Benefit Systems S.A." available on the Multi.Life Platform under the "Terms and Conditions" tab;
14. GDPR – Regulation (EU) 2016/679 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 (General Data Protection Regulation);
15. Benefit – a service or content (e.g., audiobook, radio play, article, video) included in the Multi.Life Service, provided by Benefit Systems or a Partner to the User; the nature and number of Benefits available to the User within the Multi.Life Service depend on the Client Agreement;
16. Client Agreement – an agreement concluded between Benefit Systems and the Client, defining the terms for registering and granting Users access to the Multi.Life Program and the scope of Benefits within the Multi.Life Service;
17. Multi.Life Service – a personalized service provided online by Benefit Systems to the User, equivalent to the Multi.Life Program package granted to the User. The Multi.Life Service is identified by the individual Multi.Life Service number assigned to the User;
18. User – an individual to whom Benefit Systems has granted access to the Multi.Life Service. The User may operate on the Multi.Life Platform as:‍
    1. ‍Employee – a natural person working with the Client under an employment contract, a civil law contract, or on another legal basis;
    2. Accompanying Person - a natural person registered for participation in the Multi.Life Program by a User who is an Employee.

18. External Payment Channel – an online payment system provided by an external payment service provider with whom Benefit Systems has entered into a service agreement, enabling online payments or payments made in another manner agreed upon between Benefit Systems and the provider. The rules for making payments and processing confidential data using the External Payment Channel are defined by the payment service provider's terms and conditions.

§ 2. General rules of the Multi.Life Program

1. The service provider for the Multi.Life Service is Benefit Systems. Access to the Multi.Life Service can only be obtained through 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 authorizes the User to use the Benefits (including Benefits provided by Partners) included in the scope of the Multi.Life Service.
3. The Multi.Life Service is intended for the User's personal and private use. It is not permitted for the User to share access credentials with third parties or to use the Multi.Life Service for commercial or profit-making purposes.
4. A User may not hold more than one Account at any given time.
5. Subject to specific provisions elsewhere in the Terms and Conditions, the Multi.Life Service may only be used by a User who is:
   1. of legal age and possessing full legal capacity; or
   2. who is at least 13 years old, has at least limited legal capacity, and has the consent of a parent or legal guardian to use the Multi.Life Service.
6. Individual Benefits may have requirements for the User other than those indicated in paragraph 5 above. In such a case, the User will be clearly informed of these on the Multi.Life Platform before using such a Benefit. Use of the Benefit is possible after the User has reviewed and met these additional conditions.
7. The consent referred to in paragraph 5(b) must be provided before the minor joins the Multi.Life Program.
8. A User who is an Employee—if the Agreement with the Client so provides—may register another natural person as an Accompanying Person to participate in the Multi.Life Program. The number of Accompanying Persons that a User may register and the rules for their use of the benefits are determined by the Agreement with the Client. Information regarding the rules under which Accompanying Persons may use the Multi.Life Program and the number of such persons will be provided to the User by the Client.
9. Ordering the Multi.Life service and participating in the Multi.Life Program is entirely voluntary, meaning that the Employee makes their own decision regarding registering themselves and—if applicable—Accompanying Persons, unless the Agreement with the Client states that the Client registers Employees for the Program, in which case it is up to the Employee to decide whether and to what extent they will use the Multi.Life Program.
10. If the User becomes aware that an unauthorized person has gained access to the Multi.Life service, they are obligated to immediately report this fact to Benefit Systems at the following address: bok@benefitsystems.pl.
11. Benefit Systems will deactivate the Multi.Life service in the following cases:
    
    1. the User owning or using more than one Account;
    2. reasonable suspicion of sharing access with third parties;
    3. using the Multi.Life service for purposes other than private use;
    4. using the Multi.Life service in a manner that compromises the security or integrity of the Multi.Life Platform;
    5. submitting unlawful content or content that violates good practices.
12. Benefit Systems may deactivate the Multi.Life service for reasons other than those indicated in paragraph 11 regarding violations of the Terms and Conditions or applicable law, following the procedure indicated in paragraph 13.
13. In the cases specified in paragraph 11(e) and paragraph 12, Benefit Systems will set a deadline—no shorter than 3 business days—for the User to restore compliance with the law or the Terms and Conditions before deactivating the Multi.Life service.
14. In the event that payment for the User's participation in the Multi.Life Program is not received on time, Benefit Systems will block access to the Multi.Life service until payment is made.
15. The User will be informed via email about the deactivation of the Multi.Life service in the cases indicated in paragraphs 11 and 12 above. The notification will include the reason for the deactivation and a request to restore compliance with the law or the Terms and Conditions in accordance with paragraph 13 above.
16. A User who disagrees with the decision to deactivate access to the Multi.Life service may file a complaint in the manner specified in § 12 of the Terms and Conditions.
17. Payments collected from the User for benefits that were not provided due to the prior deactivation of the Account will be refunded.
18. Expiration of access to the Multi.Life service, including through the deactivation of the Multi.Life service, will result in the inability to use benefits provided both on the Multi.Life Platform and on Partner Platforms.
19. The Multi.Life service is not a healthcare service within the meaning of the Act of April 15, 2011, on Medical Activity. Recommendations received by the User as part of the benefits do not replace consultation with a doctor.
20. The Multi.Life service includes benefits that utilize artificial intelligence (AI) solutions. Benefits that use AI solutions are clearly marked as such. The User acknowledges that the quality and usefulness of results generated by AI may depend on the scope, detail, and currency of the information provided by the User, and that responses provided by AI may be inaccurate, incomplete, outdated, or contain errors.

§ 3. Rules for accessing Benefits

1. The scope of Benefits available to the User as part of the Multi.Life Service is determined by the agreement with the Client.
2. If provided for in the agreement with the Client, a Multi.Life Service number is assigned to the User joining the Multi.Life Program before the start of the first billing period. Alternatively, the Client provides the User with a dedicated registration link and verification details enabling registration for the Multi.Life Program.
3. The User will be informed by Benefit Systems or the Client about how to activate the Multi.Life Service. Depending on the agreement with the Client, to enable the use of the Multi.Life Service:
   1. The User registers or logs in to the eMultiSport system, and then, upon navigating to the Multi.Life Platform, provides the provided Multi.Life Service number or other identification data in accordance with the agreement with the Client and the rules set out in the Electronic Services Terms and Conditions;
   2. The User receives a link to the registration form. Upon clicking the link, the User registers or logs in to the eMultiSport system and is then automatically redirected to the Multi.Life product registration form. After correctly entering the verification details in accordance with the agreement with the Client and accepting the Terms and Conditions and the Electronic Services Terms and Conditions, the User receives access to the Benefits within the Multi.Life Services assigned to the given Multi.Life Program package.

4. Cancellation of the Account by the User does not constitute withdrawal from the Multi.Life Program.
5. Cancellation of the Multi.Life Service is subject to the terms set out in the Electronic Services Terms and Conditions.
6. Intellectual property rights to all elements of the Multi.Life Program, such as functionalities, text, graphics, logos, icons, images, photos, audio files, video files, data files, presentations, computer programs, navigation solutions, the selection and arrangement of content presented within the Multi.Life Program, and all other data, are protected by intellectual property rights (copyright, trademark protection rights, or other exclusive rights) held by Benefit Systems or entities with which Benefit Systems has entered into an agreement regarding the use of such content for the purpose of providing the Multi.Life Service. Elements comprising the Multi.Life Service may not be recorded, reproduced, or distributed in any form or by any means, nor may they be traded without the prior written consent of Benefit Systems. Benefit Systems is the sole owner of the proprietary copyrights to the Multi.Life Program and any of its elements. By using the Multi.Life Service, Users do not acquire any proprietary copyrights, derivative rights, related rights, or any licenses, unless otherwise specified in the separate rules for a specific Benefit.
7. Use of the Multi.Life Platform is subject to the terms set out in the Terms and Conditions and the Electronic Services Terms and Conditions.
8. Access to the Multi.Life Service may be subject to a fee for Users, in the amount and on the terms specified in the agreement with the Client. Information regarding fees for using the Multi.Life Service is provided to the User by the Client. In cases where access to the Multi.Life Service is paid and the User finances the access in full, the User is the purchaser of the Multi.Life Service. In cases where the User finances access to the Multi.Life Service in part, the User and the Client are the purchasers (in proportion to the amount financed by each). Furthermore, the User covers the costs of data transmission required to launch and use the Multi.Life Platform at the rates set by the User's telecommunications operator. Similar principles apply to individual Benefits that the User may acquire as part of the Multi.Life Service.
9. The User must not use the Multi.Life Services in a way that could cause harm to Benefit Systems, Partners, other Users, or third parties.
10. The User is solely responsible for protecting their Multi.Life Service number and login credentials against unauthorized access.
11. The User is obligated to:
    
    1. to use the Multi.Life Service in accordance with the laws applicable in the territory of the Republic of Poland and the provisions of the Terms and Conditions;
    2. to use the Multi.Life Service in a manner that does not compromise the integrity and security of the Multi.Life Platform;
    3. not to engage in activities that could result in unauthorized access to information not intended for the User or that could cause disruption or damage to the Multi.Life Platform;
    4. not to provide or transmit content that is prohibited by applicable law, violates good practices, or may mislead or cause harm to Benefit Systems, Partners, other Users, or third parties, and not to engage in any other activities that could harm the aforementioned entities.

§ 4. Benefits, Multi.Life Platform functionalities, and communication with the User

1. As part of the Multi.Life Service, the User may access, among others, the following Benefits:
   1. access to content covering, among other things, health, well-being, mindfulness, personal development, and language learning in the form of audiovisual materials, videocasts, podcasts and audio courses, quizzes, webinars, audiobooks, articles, and courses provided by Benefit Systems or Partners. The User may also gain access to Services provided by Partners;
   2. Services provided by Partners via Partner Platforms – to use these Services, it may be necessary to generate a Code; the User may generate a Code according to the rules specified for the specific Service and the Multi.Life Service held;
   3. thematic chats with experts, chat with an AI assistant;
   4. analyzing the nutritional value of a meal using the Multi.Life App;
   5. consultations (including the purchase of additional Consultations beyond the limit specified for the Multi.Life Service) and managing the Consultation calendar;
   6. setting goals and monitoring their progress;
   7. creating nutrition plans;
   8. a survey to assess the User's well-being;
   9. access to other types of content intended for Users, including, for example, the Terms and Conditions, additional information regarding Services, and surveys;
   10. AI assistant support regarding technical aspects of the Multi.Life Platform.

2. Benefit Systems may display on the Multi.Life Platform and send the User communications regarding the use of the Multi.Life Platform (e.g., in connection with booking an E-Consultation or processing a payment) which constitute an integral part of the Multi.Life Service and are not marketing in nature, nor do they constitute commercial information. These communications are intended to facilitate the provision of the Multi.Life Service or Services to the User.
3. Benefit Systems may send Users marketing notifications about upcoming events organized via the Multi.Life Platform, new Services, or Partners. The User may change their settings or deactivate these notifications by clicking the active "unsubscribe" link (or similar) found in every message sent in this manner.

§ 5. Content from Benefit Systems and Partners

1. As part of the Multi.Life Services, the User has access to Services including, in particular, educational video courses, audiovisual materials, videocasts, podcasts and audio courses, quizzes, webinars, audiobooks, articles, and courses provided by Benefit Systems or Partners, including Services provided by Partners on Partner Platforms. Some of the available Services will be provided by Partners via a Partner Platform.
2. Using certain Services may require the User to provide a Code, about which the User will be informed in the description of the given service on the Multi.Life Platform. The Code is for the User's exclusive use and may not be shared with third parties. Details regarding the Code, including its validity and instructions on how to use it, are indicated in the description of the given Service on the Multi.Life Platform.
3. In the case of Services provided on a Partner Platform in accordance with a separate Partner policy, the Partner acts as the service provider to the User in this regard. The Partner's policy is available on the Partner Platform.
4. Before being redirected to a Partner Platform, the User will be informed of the redirection and – if applicable – of the transfer of the User's personal data to the Partner to enable the provision of the Service.
5. Benefit Systems reserves the right to determine the catalog of Partners providing Services – in particular, Benefit Systems has the right to change a Service provider, while maintaining quality parameters similar to those of the previous provider's Service.

§ 6. Chats

1. As part of the Multi.Life Service, the User has access to the following chats:
   1. general chat with an AI assistant or with experts in specified fields;
   2. chat with a Consultant, as referred to in §7 section 11 of the Regulations;
2. The general chat is used to answer the User's substantive questions that do not require a Consultation.
3. Threads within the general chat are grouped into the following tabs:
   1. Active – a conversation with the User is in progress;
   2. Archived – threads that have been closed by the expert after providing advice to the User;

4. An answer in the general chat will be provided no later than 3 business days from the date the question was asked:

5. The expert may refuse to answer a question if the question asked:
   
   1. violates the terms of the Regulations;
   2. contains illegal content or otherwise violates applicable law or social norms;
   3. falls outside the expert's competence or the thematic scope of the chat;
   4. requires obtaining detailed information about the User, which can only be obtained during a Consultation.
6. The quality of the answers provided depends on the User's cooperation with the expert – in particular, the quality of the feedback may depend on the accuracy and detail of the question asked and any supplementary information provided to the expert by the User.
7. After answering the User's question, the expert may close the thread. In such a case, the conversation with the expert will be moved to the "Archived" tab.

§ 7. Consultations

1. The number of available Consultations, their type, and duration depend on the scope of the Multi.Life Service held by the User in accordance with the Agreement with the Client.
2. Consultations are provided by specialists in selected fields indicated on the Multi.Life Platform. The current list of Consultants is displayed in the "Book a Consultation" (or equivalent) tab on the Multi.Life Platform.
3. Benefit Systems is always the service provider for Consultations. The Consultation is actually carried out by an internal Benefit Systems Consultant or by a Partner acting as a subcontractor for Benefit Systems.
4. For selected Consultants, the User may choose the language in which the Consultation is to be conducted from the languages specified by the Consultant.
5. Users eligible for a Consultation can choose their own Consultant and a convenient time slot, as well as specify the subject of the Consultation. Providing the subject of the Consultation in advance may be required by a specific external Consultant if the topic of the Consultation warrants it.
6. Benefit Systems does not guarantee that the list of Consultants will remain unchanged; therefore, please always check in advance whether the Consultant with whom the Consultation is to be held is on the list of active Consultants. Benefit Systems reserves the right to change the list of Consultants in the event of:
   
   1. discontinuing, limiting, or expanding cooperation with any of the Consultants;
   2. changes to the thematic areas in which Consultations are provided.
7. Please note that the number of available Consultation slots is limited. The User can check the number of Consultations available under the Multi.Life Service at any time.
8. To schedule a Consultation, the User selects a Consultant and a time slot. In the case of external Consultants, the User consents to the transfer of special category personal data (within the meaning of Article 9(1) of the GDPR) by Benefit Systems to the Consultant (if such data is to be transferred) and confirms their desire to use the Consultation by clicking the "Sign up" (or equivalent) button.
9. After scheduling a Consultation, the User will receive a confirmation email with a link to the Consultation, and the scheduled Consultation will appear in the "Your Consultations" tab on the Multi.Life Platform. The User will 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 via the chat referred to in paragraph 11 below;
   3. withdraw from the contract, cancel the Consultation, or change its date;
   4. review the materials attached by the Consultant and the recommendations.
10. The User may change the date of the Consultation up to 24 hours before its scheduled time. Changing the date does not affect the deadline for exercising the statutory right of withdrawal from the contract, as referred to in paragraph 22 below.

11. For selected Consultants, a dedicated chat for contacting the Consultant may be enabled 24 hours before the Consultation. Once the subject matter has been exhausted, the Consultant may close the thread.
12. The Consultation is conducted in the form of a call or video call (depending on the User's preference) via Google Meet or another tool indicated by Benefit Systems. Selected Consultants also provide Consultations in person at the address indicated on the Multi.Life Platform.
13. In the case of a Consultation with a minor, the Consultant may request the presence of a legal guardian.
14. During the Consultation, the Consultant will verify the User's identity (by establishing their first and last name) and then conduct a conversation with the User, taking into account their specialization and the User's needs. To increase the effectiveness of the advice, it is recommended that the User clearly communicate their expectations regarding the Consultation to the Consultant.
15. Punctuality on the part of the User is required for the proper performance of the Consultation. In the event of a delay exceeding 10 minutes on the part of the User, the Consultant is not obliged to carry out the scheduled online Consultation. Any delay on the part of the User will not result in an extension of the Consultation duration.
16. In the case of Consultations concerning health, even indirectly, particularly psychological or dietary Consultations, the advice provided during the Consultation is for general information purposes only and does not replace medical advice. In the event of health problems, the User should consult a doctor independently of the Consultation.
17. Proper service provision requires the User to cooperate effectively with the Consultant during the Consultation – in particular, the quality of the Consultation may depend on the accuracy and detail of the information provided to the Consultant by the User.
18. We reserve the right to terminate a Consultation or refuse to provide further Consultation services if:
    
    1. The User is acting in violation of the Terms and Conditions or applicable law;
    2. the User's behavior is offensive, violates the Consultant's personal rights, or there is a reasonable suspicion that the User is under the influence of alcohol, drugs, intoxicants, or other substances with similar effects.
19. To ensure the proper delivery of the Consultation, Benefit Systems provides the Consultant with the following personal data of the User: the User's full name and organizational information regarding the Consultation (including its time, the subject of the Consultation, and other data related to the progress of the Consultation). In connection with the disclosure of personal data mentioned in the previous sentence, the Consultant becomes a separate controller of the Users' personal data.
20. The User receives email confirmation for booking, rescheduling, and cancelling a Consultation.

21. In connection with the provision of Consultations, the Consultant does not transfer to Benefit Systems any personal data regarding the User's health status disclosed during the Consultation.
22. A User who has scheduled a Consultation has the statutory right to withdraw from the contract without providing a reason within 14 days of the contract's conclusion, i.e., from the date of receiving the confirmation referred to in paragraph 9. To exercise the right of withdrawal, the User must send a notice of withdrawal to Benefit Systems within 14 days of booking the Consultation (e.g., via the Multi.Life Platform panel, by mail, or by phone). The right of withdrawal does not apply to a Consultation that has already been completed. In the event of withdrawal within the specified period, the Consultation limit will be restored (for package-based Consultations) or a refund will be issued in accordance with §8 paragraph 7 of the Terms and Conditions (for paid Consultations as referred to in §8 below).

23. After the deadline specified in paragraph 22 above has passed, the User may cancel the Consultation. In such a case, the Consultation limit will not be restored (for package-based Consultations), and the funds paid will not be refunded (for paid Consultations as referred to in §8 below).
24. Benefit Systems reserves the right to change the time of a Consultation due to reasons on the Consultant's side. In such a case, Benefit Systems will immediately inform the User via email that the Consultation cannot take place at the original time and, if possible, will propose a new time.
25. If a Consultation is cancelled by Benefit Systems, or if a new time proposed by Benefit Systems is not accepted, the limit of Consultations available under the Multi.Life Service will be restored, and in the case of Consultations referred to in §8 of the Terms and Conditions, the payment will be refunded.

§ 8. Paid consultations

1. Users who are not entitled to Consultations under the Multi.Life Service, or who have already used their available Consultations, may purchase additional Consultations from Benefit Systems according to the rules below. The option to purchase such additional Consultations applies only to certain Consultants. Information regarding the availability of additional Consultations is indicated in the Consultation description.
2. To purchase a Consultation, the User must select a time slot from the available options in the calendar on the Multi.Life Platform, provide consent for the processing of personal data by Benefit Systems using the appropriate function, and then confirm the purchase by clicking the "Order and pay" button (or equivalent). The User is then redirected to an External Payment Channel, and the Consultation is scheduled only after payment is successfully processed via the External Payment Channel. The contract for the purchase of the Consultation is concluded upon payment.
3. Benefit Systems does not provide payment services; all payments are processed by a licensed payment service provider.
4. Once payment is made, the User will receive a confirmation, which serves as proof that the contract has been concluded.
5. The payment amount for a Consultation is specified in Polish Zloty and is indicated on the Multi.Life Platform at the time the User places an order.
6. The Multi.Life Platform may periodically offer promotions that reduce the cost of paid Consultations. The terms of any such promotion will be presented in a notice on the Multi.Life Platform.
7. In the event that a User withdraws from a contract for the purchase of a Consultation, Benefit Systems will refund the amount paid by the User for that Consultation.
8. Refunds will be processed promptly, no later than 14 days from the date Benefit Systems receives the User's notice of withdrawal from the Agreement.
9. The provisions of §7 shall apply accordingly.

§ 9. Achieving goals

1. Within the Multi.Life Platform, the User can set goals and create meal plans.

2. To maintain statistics and analyses, the User may enter their data—in particular: gender, age, weight, height, and activity level. Depending on the User's consent, Benefit Systems may obtain the User's personal data from other mobile applications that monitor the User's activity.

3. To set a nutritional goal, the User completes a survey regarding their health status, eating habits, and expected results. Based on the answers provided, the AI assistant will estimate nutritional requirements.
4. To develop a meal plan, the User completes a survey, based on which the AI assistant will create a diet consistent with the User's goals, consisting of recipes contained in the Benefit Systems database. The User may swap recipes for others from the database.
5. By using the Multi.Life Application, the User can perform a nutritional analysis of a meal uploaded to the Multi.Life Application. Benefit Systems notes that the meal analysis values are approximate, and the accuracy of the results depends on the quality of the photo taken.

§ 10. Wellbeing assessment

1. The wellbeing assessment is available to adult Users with full legal capacity. By completing the wellbeing assessment survey, the User confirms that they are of legal age and have full legal capacity.
2. After completing the survey and clicking the "Confirm and finish survey" button, Benefit Systems will generate a report summarizing the User's results and recommendations.
3. The average result against which the User's result is compared was established by Benefit Systems based on a nationwide study conducted on a representative research sample.
4. Starting a new survey will prevent viewing the report until it is completed or cancelled.

5. Results from individual surveys are saved in monthly cycles. Completing another survey in the same calendar month will overwrite the previous result. The history of results available in the Report only includes the results of the last survey completed in a given calendar month.
6. If a survey is not completed within 24 hours of being started, it will be automatically cancelled.

§ 11. Liability

1. Benefit Systems is responsible for the proper functioning of the Multi.Life Platform and the Multi.Life Service and is the sole entity authorized to handle complaints arising from their operation. Benefit Systems is also responsible for the conduct of Consultations, including Consultations actually performed by Partners as subcontractors of Benefit Systems.
2. Users should report any irregularities in the functioning of the Multi.Life Platform and the Multi.Life Service to Benefit Systems.
3. When selecting Partners, Benefit Systems makes every effort to ensure that Partners are honest and reliable; however, in no case—except for Consultations as referred to in paragraph 1 above—is Benefit Systems liable for the acts or omissions of Partners towards the User.
4. Benefit Systems is responsible for providing and ensuring the proper functioning of Codes which, once activated on a Partner Platform, enable the use of the Service provided by the Partner on that Partner Platform.
5. Benefit Systems is not liable for temporary and unannounced interruptions in the availability of Partner Platforms if they result from causes on the Partner's side. The rules of operation and the Partner's liability for the functioning of the Partner Platform are governed by the terms and conditions of that platform adopted by the Partner. Full liability for the proper functioning of the Partner Platform remains solely with the Partner.
6. Benefit Systems is not liable for agreements concluded between the User and a Partner in connection with the Partner's provision of Services.

§ 12. Final provisions

1. Users may submit complaints to Benefit Systems regarding the Multi.Life Service. Complaints may be submitted, in particular:
   1. electronically and sent to the Benefit Systems email address: reklamacje@benefitsystems.pl;
   2. in writing and sent to the address of Benefit Systems S.A.: Plac Europejski 2, 00-844 Warsaw with the note "Multi.Life Service Complaint";
   3. by phone at: +48 22 242 42 42.

2. In the complaint, the User should include their full name, email address, a description of the problem, and a request for specific action from Benefit Systems (User's request). Benefit Systems will review the complaint and provide a response without undue delay, no later than 14 days from the date of receipt, to the email or postal address provided by the User in the complaint, depending on how the complaint was received.
3. Benefit Systems informs Users who are consumers about the possibility of using out-of-court complaint handling and redress procedures. Information on how to access these procedures can be found at the offices or on the websites of entities authorized to handle out-of-court disputes. These may include, in particular, consumer ombudsmen or Provincial Inspectorates of Trade Inspection, a list of which is available on the website of the Office of Competition and Consumer Protection. Benefit Systems informs that at the address http://ec.europa.eu/consumers/odr/ an EU-wide online dispute resolution platform (ODR platform) is available. Benefit Systems does not participate in 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 that are granted to them under mandatory provisions of law.
5. If any provision of these Terms and Conditions is found to be invalid by a final court judgment, all other provisions shall remain in full force and effect.
6. These Terms and Conditions are governed by Polish law. Any disputes arising in connection with these Terms and Conditions shall be resolved by the competent common court.
7. For any information regarding the use of the Multi.Life Program or the Service, please email: bok@benefitsystems.pl or by mail to the address Benefit Systems S.A.: Plac Europejski 2, 00-844 Warsaw marked "Customer Service – Multi.Life Service" or by calling our hotline at (22) 242 42 42. Call costs are in accordance with the operator's standard rates for domestic calls.
8. User personal data is processed in accordance with applicable regulations to the extent necessary to provide services under the Multi.Life Program. Detailed information on the processing of personal data can be found at https://www.benefitsystems.pl/polityka-prywatnosci/. Questions regarding personal data protection should be sent via email to daneosobowe@benefitsystems.pl, by phone at 22 242 42 42 or by mail to the address Benefit Systems S.A.: Plac Europejski 2, 00-844 Warsaw marked "personal data".
9. Benefit Systems is entitled to amend the Terms and Conditions for valid reasons in the following cases:
10. Changes to the Terms and Conditions become effective on the date specified by Benefit Systems, which shall be no less than 14 days from the date Users are notified of the changes and provided with the updated Terms and Conditions, particularly through publication on the Platform and by sending them to the User's chosen email address.
11. If a User does not agree to the changes to the Terms and Conditions, they may opt out of the Multi.Life Program at any time before the changes take effect (to do so, the User may contact the Client or Benefit Systems using the contact details provided in paragraph 1 above, or, if the User has access to the eMultiSport Platform, they may submit their resignation through that Platform). The Terms and Conditions and any amendments are available on the Multi.Life Platform under the "Terms and Conditions" tab. Failure to opt out of the Multi.Life Program will be deemed acceptance of the new Terms and Conditions.
12. Benefit Systems reserves the right to discontinue the Multi.Life Service or the Multi.Life Platform. In the event of a planned discontinuation of the Multi.Life Service or the Multi.Life Platform, a notice will be posted on the Multi.Life Platform indicating the final date of availability for the Multi.Life Service.
13. Information regarding compliance with the accessibility requirements set forth in the Act of April 26, 2024, on ensuring accessibility requirements for certain products and services by economic operators for services offered and provided by Benefit Systems is available on the Benefit Systems website at: benefitsystems.pl/informacja-o-dostepnosci.
14. These Terms and Conditions are effective as of September 30, 2026.