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Terms and Conditions of services provided by Valuta.com.pl

Rules for using the valuta.com.pl website and for currency exchange services provided by ARIAN INVEST Sp. z o.o.

Last updated: 24 August 2026

§1. General provisions

  1. These Terms and Conditions (“Terms”) set out the rules for using the valuta.com.pl website and for the provision of currency exchange services and related services (including the purchase of precious metals) by ARIAN INVEST Sp. z o.o.
  2. The Service Provider is: ARIAN INVEST SPÓŁKA Z OGRANICZONĄ ODPOWIEDZIALNOŚCIĄ, Aleje Jerozolimskie 47, 00-697 Warsaw, Poland, entered in the National Court Register (KRS) under number 0001004559, tax ID (NIP) 5213994406, REGON 523759467 (hereinafter: the “Service Provider” or “Valuta.com.pl”).
  3. The Service Provider carries out currency exchange activity entered in the register of currency exchange activity kept by the President of the National Bank of Poland (NBP) under number 19728.
  4. Contact with the Service Provider: by phone (Warsaw: +48 571 333 510, Kraków: +48 793 083 319), in person at the branches, or electronically: kantorvaluta.waw@gmail.com.

§2. Definitions

  1. “Website” — the website available at valuta.com.pl.
  2. “Client” — a natural person, legal person, or organisational unit using the Service Provider's services.
  3. “Online Request” — the form completed by the Client on the Website to reserve a currency exchange rate.
  4. “Branch” — a stationary currency exchange point of the Service Provider in Warsaw or Kraków.
  5. “Confirmation Code” — a six-digit code sent to the Client after submitting an Online Request, enabling the transaction to be completed at a Branch on the reserved terms.

§3. Electronically supplied services

  1. Through the Website, the Service Provider provides, free of charge, an electronic service consisting of: browsing information on currency exchange rates, submitting an Online Request (rate reservation), and creating and maintaining a Client account.
  2. Using the Website requires a device with internet access and a web browser supporting JavaScript and cookies, as well as an active e-mail address.
  3. The Client must not provide unlawful content or take any action that could disrupt the proper functioning of the Website.
  4. The Client may cancel their Website account at any time by contacting the Service Provider using the details given in §1(4).
  5. Complaints concerning the functioning of the Website itself (e.g. technical errors) are handled under the procedure and within the time limit set out in §9 of these Terms.

§4. Rules for carrying out exchange transactions

  1. An Online Request constitutes solely a reservation of the exchange rate for a period of 1 hour from the moment it is submitted — it does not constitute the conclusion of a currency exchange agreement.
  2. The currency exchange agreement is concluded and performed exclusively at a Branch, in the Client's presence, upon presentation of the Confirmation Code (where applicable) and — in cases provided for by anti-money laundering regulations — an identity document.
  3. Exchange rates published on the Website are for information purposes only and do not constitute an offer within the meaning of Article 66 of the Polish Civil Code; the binding rate is the one confirmed at the time the transaction is concluded at a Branch, or reserved in accordance with point 1.
  4. Detailed rules on how rates, the spread, and wholesale rates are determined are set out in the separate Pricing Policy, available at valuta.com.pl/polityka-cenowa, which forms an integral supplement to these Terms.
  5. The Service Provider reserves the right to refuse to carry out a transaction in cases provided for by law, in particular anti-money laundering and counter-terrorist financing regulations.

§5. Anti-money laundering (AML/CFT)

  1. The Service Provider is an “obliged institution” within the meaning of the Polish Act of 1 March 2018 on Counteracting Money Laundering and Terrorist Financing.
  2. In cases provided for by law, the Service Provider applies financial security measures, including verification of the Client's identity on the basis of an identity document, for transactions exceeding statutory thresholds or giving rise to reasonable suspicion.
  3. The rules for processing personal data collected in connection with AML/CFT obligations are described in the Privacy Policy, available at valuta.com.pl/polityka-prywatnosci.

§6. Personal data

  1. The rules for processing Clients' personal data are set out in the Privacy Policy available at valuta.com.pl/polityka-prywatnosci, which forms an integral part of these Terms.

§7. Right of withdrawal

  1. Currency exchange transactions are carried out in person at a Branch, in the Client's presence — they therefore do not constitute a distance contract within the meaning of the Polish Consumer Rights Act.
  2. Regardless of the above, to the extent that an Online Request could be regarded as part of a distance contract, the consumer has no right of withdrawal under Article 38(2) of the Act of 30 May 2014 on Consumer Rights, because the price of the currency exchange depends on fluctuations in the financial market which are beyond the Service Provider's control and which may occur before the withdrawal period expires.

§8. Complaints

  1. The Client may submit a complaint: by phone, in person at a Branch, or electronically to kantorvaluta.waw@gmail.com.
  2. A complaint should include: the Client's contact details, a description of the objection, and the desired resolution.
  3. The Service Provider will review the complaint and respond within 14 days of receipt.
  4. If a complaint is rejected, the Service Provider will state the reasons and inform a Client who is a consumer of the possibility of using out-of-court complaint and redress procedures, in accordance with §9 below.

§9. Out-of-court dispute resolution

  1. A Client who is a consumer has the right to use out-of-court methods of handling complaints and pursuing claims, in particular by contacting the relevant provincial Trade Inspectorate (Inspekcja Handlowa). The Service Provider informs that it does not consent to participate in out-of-court consumer dispute resolution proceedings before the Financial Ombudsman (Rzecznik Finansowy, www.rf.gov.pl).
  2. The consumer may also use the EU Online Dispute Resolution (ODR) platform, available at: https://webgate.ec.europa.eu/odr/main/index.cfm?event=main.home.show&lng=EN.

§10. Final provisions

  1. Polish law governs these Terms and any agreements concluded with the Service Provider.
  2. The Service Provider reserves the right to amend these Terms for important reasons (changes in law, changes in the scope of services). Clients with an account will be informed of any amendment electronically, with reasonable advance notice.
  3. These Terms enter into force on the date of publication on the Website.
  4. In the event of any discrepancy between the Polish, English, and Ukrainian language versions of these Terms, the Polish version shall prevail.