TERMS AND CONDITIONS OF THE CONSUMER FINANCE CONGRESS 2026

TERMS AND CONDITIONS OF THE CONSUMER FINANCE CONGRESS 2026

§1

General Provisions

  1. These Terms and Conditions have been prepared to set out the rules of participation in the Consumer Finance Congress, which will be held on 25 November 2026 at Centrum Giełdowe, ul. Książęca 4 in Warsaw, and organised by Fundacja „Centrum Myśli Strategicznych”.
  2. The abbreviations used in these Terms and Conditions shall have the following meanings:
    1. Congress – the Consumer Finance Congress;
    2. Participant – any person who has registered to participate in the Consumer Finance Congress in accordance with these Terms and Conditions;
    3. Organiser or Foundation – Fundacja „Centrum Myśli Strategicznych”, with its registered office in Sopot (ul. Powstańców Warszawy 19, 81-718 Sopot), entered in the register of associations, other social and professional organisations, foundations and independent public healthcare establishments maintained by the District Court Gdańsk-Północ in Gdańsk, 8th Commercial Division of the National Court Register, under KRS number 0000571469, NIP 5851471831, REGON 362258560;
    4. Civil Code – the Act of 23 April 1964 – the Civil Code (consolidated text: Journal of Laws of 2020, item 1740, as amended);
    5. 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) (Official Journal of the European Union L 119/1 of 2016).

3. The provisions of these Terms and Conditions, together with Appendix No. 1, shall also apply to participation in the Consumer Finance Congress if its date or venue is changed.

4. All information concerning the Congress shall be provided by the Organiser by telephone at +48 58 355 53 70 and by email at poczta@efcongress.com.

5. Reading and accepting these Terms and Conditions is a prerequisite for participation in the Congress.

§2

Registration for the Congress and Payments

  1. Participants may attend the Congress at the Congress venue (in person).
  2. Only adults may participate in the Congress.
  3. The conditions for participation in the Congress at the Congress venue are: registration via the registration form available at https://rejestracja.efcongress.com.pl/terms-and-conditions-of-the-consumer-finance-congress-2026/?lang=en, granting the mandatory consents included in the form and paying the participation fee. Each Participant should complete the registration form independently and in their own name and grant the mandatory consents required during registration.
  4. Registration for Participants will open on 6 July 2026 and close on 16 November 2026. The Organiser reserves the right to change the registration dates, in particular where the number of Participants must be adjusted to applicable legal requirements or administrative recommendations.
  5. Within 24 hours, the Organiser will send confirmation that the application to participate in the Congress has been received to the address provided during registration. This does not constitute confirmation of participation in the Congress. Participation in the Congress is possible after payment of the participation fee.
  6. The basic participation fee for one Participant is: for participation at the Congress venue (in-person participation):

a) the “Standard” price, covering participation in the Consumer Finance Congress: PLN 1,230 gross (i.e. PLN 1,000 net + 23% VAT);

b) the “Package” price, covering participation in the Consumer Finance Congress and the Retail Banking Congress: PLN 1,845 gross (i.e. PLN 1,500 net + 23% VAT);

provided that payment for participation in the Congress is made within the period specified in the pro forma invoice.

The VAT invoice will be issued (and submitted to KSeF) no later than the 15th day of the month following the month in which payment was made.

7. The price referred to in paragraph 6(a) of this section covers participation in all events forming part of the official programme of the Consumer Finance Congress. The price referred to in paragraph 6(b) of this section covers participation in all events forming part of the official programme of the Consumer Finance Congress and the Retail Banking Congress.

8. Payment must be made within 7 days of receiving confirmation that the application to participate in the Congress has been accepted, to the Organiser’s bank account (payment details: Centrum Myśli Strategicznych, ul. Powstańców Warszawy 19, 81-718 Sopot, mBank S.A., account number: 69 1140 2004 0000 3702 7582 9433, SWIFT code: BREXPLPWMBK). The payment date shall be the date on which the participation fee is credited to the Organiser’s bank account.

9. A consumer who has concluded a distance contract or an off-premises contract has the right to withdraw from it without giving any reason within 14 days.

10. Online payment services are provided by Autopay S.A., with its registered office in Sopot. The following payment cards are accepted: Visa, Visa Electron, MasterCard, MasterCard Electronic and Maestro.

11. If payment is not made within 7 days of the registration date, the registration will be cancelled. In the case of registration for the Congress after 16 November 2026, the Participant must email confirmation of the bank transfer to the Organiser at poczta@efcongress.com or present such confirmation when collecting their badge on the day of the Congress.

12. After the participation fee is credited to the Organiser’s bank account, confirmation of participation in the Congress will be sent by email. This completes the registration process and enables participation in the Congress.

13. Where the Customer chooses payment by bank transfer, electronic payment or payment card, payment shall be deemed made on the date on which the Seller’s bank account is credited.

14. A refund of the participation fee shall be available only in the cases expressly specified in these Terms and Conditions.

15. Participants and payers consent to VAT invoices being issued and received electronically. Centrum Myśli Strategicznych is registered as an active VAT taxpayer.

16. The Organiser does not provide accommodation or transport for Participants. The fees specified in paragraph 6 do not include, in particular, travel or accommodation costs connected with participation in the Congress, which shall be borne individually by each Participant.

§3

Venue, Date and Programme of the Congress

  1. The Congress will be held on 25 November 2026. The Organiser may also set a date for the Congress other than the date specified in this paragraph.
  2. The Congress will be held at Centrum Giełdowe, ul. Książęca 4 in Warsaw. The Organiser may change the Congress venue or, depending on the circumstances, decide that the Congress will be held wholly or partly online.
  3. The Organiser shall promptly notify Participants of any change to the date, venue or format of the Congress on the website https://www.efcongress.com/kcf/ and by email.
  4. If the Congress is rescheduled, its format is changed to an online format or the Congress is shortened, the Participant shall be entitled to withdraw from participation in the Congress within 14 days from the date on which the Organiser sends email notification of the change. In the event of withdrawal, the Organiser shall refund the participation fee to the bank account from which it was paid, within no more than one month from the date on which the notice of withdrawal is received. Apart from the refund referred to in the preceding sentence, the Participant shall have no claims against the Organiser in connection with the change made by the Organiser, including claims for reimbursement of transport or accommodation costs.
  5. If no notice of withdrawal is submitted in accordance with paragraph 4 above, the Participant shall be deemed to have accepted the change announced by the Organiser and shall have no claims against the Organiser in connection with that change.
  6. If the Congress is rescheduled to an alternative or other date, or if its format is changed to an online format, the existing Participant shall be entitled to provide the details of a new Participant as a substitute in accordance with §4 paragraph 4, provided that the deadline for notifying the Organiser of the new Participant, completing the registration form available at https://rejestracja.efcongress.com.pl/terms-and-conditions-of-the-consumer-finance-congress-2026/?lang=en and granting the mandatory consents in that form shall be 14 days from the date on which the Organiser sends the existing Participant email notification of the change to the conditions under which the Congress is to be held.
  7. In the event of withdrawal pursuant to paragraphs 4 and 5 above, the provisions of §4 paragraphs 1–3 of these Terms and Conditions shall not apply.
  8. The Congress programme is available at https://www.efcongress.com/kcf/. The Organiser reserves the right to change the programme. In such a case, the Participant shall not be entitled to exercise the withdrawal rights described in paragraphs 4 and 5 of this section or to make any other claims against the Organiser.
  9. The Organiser reserves the right to cancel the Congress. In such a case, the Organiser shall refund the participation fee paid by the Participant. Apart from the refund referred to in the preceding sentence, the Participant shall have no claims against the Organiser in connection with the cancellation, including claims for reimbursement of transport or accommodation costs.
  10. The Organiser’s rights described in this section may also be exercised after the Congress has begun.

§4

Withdrawal or Change of Participant

  1. Withdrawal from participation in the Congress, whether for reasons dependent on or independent of the Participant, is possible only by submitting a notice of withdrawal from participation in the Congress to the Organiser by email or registered letter.
  2. If the notice of withdrawal is delivered to the Organiser no later than 10 November 2026 inclusive, the Organiser shall refund the full participation fee to the bank account from which it was paid, no later than 31 December 2026. The Organiser shall make the refund using the same payment method used by the consumer, unless the consumer expressly agrees to another refund method that does not involve any costs for the consumer.
  3. If the notice of withdrawal is delivered after 10 November 2026, or if no such notice is submitted and the Participant does not attend the Congress or any part of it, the Participant shall not be entitled to a refund of the fee or to make any other claims against the Organiser.
  4. The person registered to participate in the Congress may be changed without paying an additional fee, and the fee already paid may be credited towards the new Participant’s participation, provided that all of the following conditions are met by 19 November 2026: the Organiser receives the new Participant’s details by email; the new Participant meets all requirements set out in these Terms and Conditions; the new Participant completes the registration form available at https://rejestracja.efcongress.com.pl/terms-and-conditions-of-the-consumer-finance-congress-2026/?lang=en and grants the mandatory consents included in that form.
  5. Except in the case described in paragraph 4 above, changing the Participant, including reselling the right to participate in the Congress, is prohibited.

§5

Identification, Safety and Rules of Conduct during the Congress

  1. During the Congress, the Participant is required to behave appropriately, comply with generally accepted standards of social conduct and follow the Organiser’s instructions.
  2. Possession of a Participant badge entitles the Participant to enter events connected with the Congress. The badge shall be issued to the Participant on the first day of the Congress.
  3. If the permitted number of Participants attending the Congress at the venue is reduced, the Organiser may ask the most recently registered Participants to withdraw from participation in the Congress. The number of people permitted to attend in person will depend on the government guidelines in force at the relevant time. Registrations will be considered in the order in which they were received. If a Participant’s participation in the Congress is cancelled at the Organiser’s request, the Organiser shall refund the participation fee paid by the Participant or propose that the fee be credited towards participation in another event organised by Centrum Myśli Strategicznych. Apart from the refund referred to in the preceding sentence, the Participant shall have no claims against the Organiser, including claims for reimbursement of transport or accommodation costs. The Participant acknowledges that the Organiser shall not be liable for the Participant contracting COVID-19 or for the risk of infection during the Congress.
  4. Participants are prohibited from conducting any commercial, sales, advertising, promotional, campaigning or fundraising activities that have not been agreed with the Organiser, as well as any activities contrary to applicable law.
  5. The Organiser shall not be liable for any property belonging to a Participant that is lost, stolen or damaged during the Congress.

§6

Participants’ Image

  1. Acceptance of these Terms and Conditions means, in particular, that if the Participant’s image is recorded in connection with participation in the Congress, whether in person or remotely, the Participant, pursuant to Article 81(1) of the Act of 4 February 1994 on Copyright and Related Rights (Journal of Laws of 2019, item 1231, as amended), consents to the Organiser’s use and dissemination of their image free of charge.
    Each Participant acknowledges that the image may be disseminated by the above-mentioned entities, among other things, for the purpose of promoting and providing information about the Congress or the activities of Fundacja „Centrum Myśli Strategicznych”, in any place, at any time and in any form of presentation, such as a still image, photograph or film. In particular, the image may be used during and after the Congress in broadly understood media, including the Internet, social media such as Facebook, Instagram, LinkedIn and YouTube, the press and the website https://www.efcongress.com/. Withdrawal of consent to the use or dissemination of the image during the Congress shall make further participation in the Congress impossible.
  2. The above consent to the use and dissemination of the image includes, in particular, the following fields of exploitation:
    1. any reproduction by any technique, including on audiovisual media, by photosensitive, digital or computer-recording techniques and in multimedia networks, including the Internet;
    2. editing;
    3. entering into computer memory, the memory of another device and multimedia networks, including the Internet;
    4. any dissemination, including in printed form, digital recording and multimedia transmission;
    5. any trading in the original or copies on which the image has been recorded, including placing them on the market through the Internet and other data transmission techniques using telecommunications, IT and wireless networks, lending, rental or making the original or copies available for use under another legal relationship;
    6. public performance, exhibition, display, reproduction, broadcasting and rebroadcasting, as well as making the image publicly available in such a way that anyone may access it from a place and at a time individually chosen by them, in particular on websites and social media platforms;
    7. use in multimedia works.

3. Recording the Congress or Participants, as well as disseminating recordings, photographs, publications and other materials obtained in connection with the Congress, requires the Organiser’s prior written consent, failing which such consent shall be invalid.

4. The Organiser shall not be liable for the recording or dissemination of a Participant’s image by other Participants or other persons.

§7

Final Provisions

  1. In matters not regulated by these Terms and Conditions, the relevant provisions of law shall apply, including the provisions of the Civil Code and the GDPR.
  2. These Terms and Conditions shall enter into force on 6 July 2026 and shall remain in force until repealed.
  3. The Organiser is the controller of the Participants’ personal data. Personal data will be processed in accordance with the GDPR. Detailed information concerning the processing of personal data is set out in Appendix No. 1 to these Terms and Conditions.
  4. The Organiser reserves the right to amend these Terms and Conditions and shall promptly inform Participants of any such amendments.

Appendix No. 1 to the Terms and Conditions – GDPR Privacy Notice

Pursuant to the obligations arising under the GDPR, the Organiser provides the following information concerning the processing of your personal data:

The controller of your personal data will be Fundacja „Centrum Myśli Strategicznych”, with its registered office in Sopot (ul. Powstańców Warszawy 19, 81-718 Sopot), entered in the register of associations, other social and professional organisations, foundations and independent public healthcare establishments maintained by the District Court Gdańsk-Północ in Gdańsk, 8th Commercial Division of the National Court Register, under KRS number 0000571469, NIP 5851471831, REGON 362258560, telephone: +48 58 355 53 70, email: kontakt@fundacjacms.pl (hereinafter referred to as the “Controller”).

Your data will not be processed by automated means, including profiling. The Controller does not intend to transfer your personal data to third countries.

The registration form for participation in the Consumer Finance Congress (hereinafter referred to as the “Congress”), available at https://rejestracja.efcongress.com.pl/terms-and-conditions-of-the-consumer-finance-congress-2026/?lang=en, includes fields for granting consent to the processing of personal data:

consent to the processing of personal data provided in the registration form for the purpose of participating in the Consumer Finance Congress, including first name, surname, position, country, business address, home address, email address, telephone number, date, IP address and gender. This consent is mandatory and failure to grant it will make participation in the Congress impossible. The data specified in the form is necessary to organise and conduct the Congress, including confirming the reservation of your participation, settling payments and preparing badges. The personal data indicated above will be processed for the period necessary to settle the Congress, until any property claims have become time-barred and until the expiry of the periods specified in accounting legislation. The legal basis for processing personal data provided in the registration form is Article 6(1)(a) of the GDPR;

consent to the processing of your image in connection with participation in the Congress. This consent is mandatory and failure to grant it will make participation in the Congress impossible. Granting consent is necessary because the Congress will be recorded and documented, and materials from the Congress may be disseminated in accordance with §6 of the Terms and Conditions. The image may be processed and disseminated until you withdraw your consent to the processing of personal data. Withdrawal of consent shall not, in particular, apply to promotional materials published before the date on which consent is withdrawn. The legal basis for processing the image as personal data is Article 6(1)(a) of the GDPR;

consent to receive the Controller’s newsletter electronically. This consent is voluntary; however, if it is not granted, the Controller will not send you the newsletter. The purpose of this consent is to provide you with information about the Controller’s activities. The Controller may send the relevant information and materials until consent to receive the newsletter is withdrawn. The legal basis for processing personal data for the purpose of sending the newsletter is Article 6(1)(a) of the GDPR.

For statistical purposes or purposes connected with the organisation of the Congress, your personal data provided in the online registration form may be transferred to the Partners and Co-organisers of the Congress.

In addition, independently of paragraph 4 above, if you grant consent in the relevant field of the registration form, your personal data may be disclosed to the Co-organisers and Partners for the performance of their marketing purposes, with the Co-organiser or Partner acting as the data controller. This consent is voluntary, and failure to grant it will mean that your personal data will not be transferred to the Partners or Co-organisers for processing for marketing purposes.

Recipients of your personal data may also include, in particular, entities with which the Controller cooperates in organising the Consumer Finance Congress, such as accounting offices, security companies, payment service providers and hotels.

You have the right to withdraw any consent granted free of charge at any time. Withdrawal of consent shall not affect the lawfulness of processing carried out on the basis of consent before its withdrawal.

Unless otherwise provided by applicable law, you have the right to request access to your personal data, rectification or erasure of the data, restriction of its processing, data portability and to object to processing.

You also have the right to lodge a complaint with the supervisory authority, the President of the Personal Data Protection Office (ul. Stawki 2, 00-193 Warsaw).

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