Terms of Use

Effective from 28.09.2026

§1. General provisions

1. These terms of use (the “Terms”) set out the rules for using the tm-invest.com.pl website (the “Website”) and for services provided electronically through the Website. The Terms are the regulations referred to in Article 8 of the Polish Act of 18 July 2002 on the provision of electronic services (ustawa o świadczeniu usług drogą elektroniczną).
2. The Website is operated by AI BRESLAU Sp. z o.o., registered office in Warsaw, ul. Cybernetyki 9, 02-677 Warszawa, entered in the register of entrepreneurs of the National Court Register under KRS 0001001487, NIP (tax ID) 8971914184, REGON 523636612, trading under the TM Invest brand (the “Provider”, “we”, “us”).
3. Contact: e-mail info@tm-invest.com.pl, phone +48 573 568 888, postal address: ul. Cybernetyki 9, 02-677 Warszawa, and the form on the Contact page.
4. The Terms are available on the Website free of charge in a form that allows them to be obtained, reproduced and saved (printed or stored on a disk). The Polish version is binding; versions in other languages are translations.
5. Using the Website is free of charge. Internet connection costs are borne by the User according to their operator’s rates.

§2. Definitions

1. User — any person using the Website.
2. Consumer — a User who is a natural person using the Website for purposes not directly related to their business or profession (Article 22¹ of the Polish Civil Code). The provisions of the Terms concerning Consumers also apply to a natural person concluding a contract directly related to their business where the content of the contract shows that it is not of a professional nature for them (Article 385⁵ of the Civil Code).
3. Account — a free User account on the Website (“My account”), available after signing in.
4. Catalogue — information presented on the Website about residential developments, apartments and other properties.
5. Developer — a business that carries out a residential development and sells the apartments described in the Catalogue.
6. Electronic Services — the services provided electronically described in §3(1).

§3. Services on the Website

1. Through the Website we provide the following Electronic Services free of charge:
   • access to the Catalogue with search, filters and a map;
   • contact forms and callback requests (§5);
   • an Account with saved listings, saved searches and e-mail alerts (§8);
   • calculators, apartment cards in PDF format, and articles and guides (§9).
2. In addition to the Electronic Services, we offer help with buying an apartment from a Developer (§6) and help with obtaining a mortgage (§7). The Website is used to get in touch about these services. Their scope and conditions are agreed with the User individually and, where necessary, in a separate agreement; the Terms apply to matters not governed by such an agreement.
3. A contract for a given Electronic Service is concluded when the User starts using it (e.g. opens a Catalogue page, sends a form, creates an Account) and is concluded for an indefinite period; for forms — for the time needed to handle the enquiry.
4. The Website, including the Catalogue, forms and calculators, can be used without an Account.

§4. Property catalogue

1. The Catalogue is for information purposes only. Information about developments and apartments, in particular prices, floor areas, layouts, finish standard, completion dates, availability and graphic materials, comes from Developers or publicly available sources and is updated regularly.
2. Prices and availability may change, and the information in the Catalogue may at any given moment differ from the Developer’s current offer. Only information provided by the Developer is binding, in particular in the information prospectus (prospekt informacyjny), the reservation agreement (umowa rezerwacyjna) or the developer agreement (umowa deweloperska).
3. Visualisations, floor plans and photos are for illustration only.
4. Information in the Catalogue does not constitute an offer within the meaning of Article 66 § 1 of the Polish Civil Code but an invitation to make contact and conclude a contract (Article 71 of the Civil Code). Contracts concerning apartments are concluded directly between the User and the Developer or seller.

§5. Contact forms and callbacks

1. On the Website, the User may send an enquiry (e.g. “Ask about an apartment”, an enquiry about a development, a request to find an apartment or a consultation with a mortgage expert) or request a callback by providing the data marked as required in the form.
2. After a form is sent, we contact the User by phone, e-mail or messenger, as appropriate to the enquiry. We save the enquiry, together with the address of the page from which it was sent, in our CRM system in order to handle it and keep a record of our contact.
3. Sending a form does not constitute the conclusion of a contract concerning an apartment, intermediation services or a loan and does not involve any charges for the User.
4. The forms are protected against spam (including Google reCAPTCHA). The Website also has WhatsApp and Telegram contact buttons — when using them, the terms of those messengers apply.
5. The processing of personal data provided in forms is described in the Privacy policy.

§6. Help with buying an apartment from a Developer

1. We help Users choose and buy an apartment on the primary market: we select offers that match the User’s needs, provide information about developments, arrange viewings and contact with the Developer, and support the User until the contract with the Developer is signed.
2. As a rule, the buyer pays us no commission for help with buying an apartment from a Developer — our fee is normally paid by the Developer under an agreement between us and the Developer. If, in an individual case, a paid agreement were to be concluded with the User, its terms, including the fee, will be agreed before it is concluded and set out in a separate agreement.
3. The User concludes the sale, reservation or developer agreement directly with the Developer. We are not a party to these agreements and are not liable for their performance by the Developer.
4. We pass the User’s data to the Developer only at the User’s request and to the extent needed to prepare the transaction — in accordance with the Privacy policy.

§7. Help with obtaining a mortgage

1. The TM Invest mortgage expert helps the User obtain a mortgage: discusses their situation, gives an indicative estimate of their creditworthiness, compares banks’ offers, prepares a list of documents and supports the submission of applications — in cooperation with banks and other financial institutions.
2. Credit intermediation activities within the meaning of the Polish Act of 23 March 2017 on mortgage credit and on the supervision of mortgage credit intermediaries and agents are performed only by entities authorised to do so. Before an agreement on help with obtaining a mortgage is concluded, we provide the User with the information required by that Act, including about the entity performing the intermediation activities, the banks it cooperates with, and the remuneration and its source.
3. The decision to grant a loan and its terms is made solely by the bank. We do not guarantee that a loan will be granted or that particular terms will be obtained. Information about bank offers is indicative until the bank’s decision and documents are received.
4. The User concludes the loan agreement directly with the bank. We pass the User’s data to the bank only at their request and in accordance with the Privacy policy.

§8. User Account

1. The Account allows the User in particular to: save listings, save searches (selected filters), receive e-mail alerts about new apartments and price reductions for saved searches (at most once a day) and manage consent to be contacted about offers.
2. Users can sign in with an e-mail address and password or with a Google account. When signing in with Google, Google’s terms of service also apply.
3. An Account may be created by an adult who accepts the Terms and the Privacy policy. Creating new Accounts may be temporarily unavailable — in that case, Accounts are used by those who created them earlier, and the other services of the Website are available without an Account. Listings can then be saved in the browser, without an Account.
4. The User must provide true data and must not share their password with third parties.
5. The User may at any time and without giving reasons: turn off alerts (via the link in the e-mail or in “My account”), delete saved searches, withdraw consent to be contacted about offers and delete the Account using “My account” → “Delete account”. Deleting the Account terminates the Account agreement; we then delete the Account, saved listings and saved searches.
6. We may terminate the Account agreement with 14 days’ notice sent to the Account e-mail address for valid reasons, in particular if the Website or the Account service is discontinued. In the event of a serious breach of the Terms (§11), we may block or delete the Account with immediate effect, informing the User by e-mail and giving reasons.

§9. Calculators, PDF apartment cards and articles

1. Calculator results (e.g. loan instalment, creditworthiness, purchase costs) are indicative and for illustration only. They are calculated from the data entered by the User and the assumptions made, do not constitute an offer or a credit decision and do not replace a bank’s offer (including the APRC and the total amount payable).
2. Apartment cards in PDF format contain Catalogue information as of the date they were generated; §4 applies to them.
3. Articles, guides and other content on the Website are for information and educational purposes, describe the legal position as of the publication date or the date stated in the text, and do not constitute legal, tax, financial or investment advice. Before making a decision, it is worth discussing your situation with a relevant specialist.

§10. Technical requirements and risks

1. To use the Website you need: a device with internet access, an up-to-date web browser (e.g. Chrome, Firefox, Safari, Edge) with JavaScript and cookies enabled and, for forms and the Account, also an active e-mail address or phone number. A PDF reader is needed to open PDF cards.
2. Some features (e.g. maps, signing in with Google, form protection) use third-party services and may require their cookies; the details are described in the Cookie policy.
3. Using the internet involves typical risks such as malware, phishing (impersonating the sender of a message) or password theft. We recommend using up-to-date antivirus software and a strong, unique password, and checking the page address before signing in. We never ask for your password by e-mail or phone.

§11. Rules of use and prohibited content

1. The User uses the Website in accordance with the law, the Terms and good practice.
2. It is prohibited to provide unlawful content, in particular content that infringes personal rights or the rights of third parties, is offensive or misleading, other people’s personal data without their consent, spam and unsolicited commercial information, and software or links that may disrupt the Website.
3. It is also prohibited to disrupt the Website, circumvent its security measures or download its content automatically in bulk (e.g. scraping) without our consent.
4. The content of the Website (texts, layout, graphics, photos, PDF cards) is protected by copyright. Developers’ materials remain their property. The User may use them within the limits of permitted personal use, including sharing links to Website pages; any other use requires our consent.

§12. Termination and withdrawal

1. The User may at any time, without giving reasons and at no cost, stop using the Electronic Services and terminate the contract for their provision — in particular by deleting the Account (§8(5)), turning off alerts or sending a statement in the manner described in section 3.
2. A Consumer who has concluded a distance contract with us may withdraw from it without giving reasons within 14 days of its conclusion (Article 27 of the Polish Act of 30 May 2014 on consumer rights). Sending the statement before the deadline is sufficient. This right also applies to the free services of the Website and to agreements on help with buying an apartment or obtaining a loan if they were concluded at a distance — subject to the exceptions in Article 38 of that Act and the lawful provisions of a separate agreement.
3. How to withdraw: a clear statement is sufficient, e.g. “I withdraw from the contract …”, with the name and e-mail address used on the Website, sent:
   • by e-mail to info@tm-invest.com.pl (subject: “Odstąpienie od umowy” / “Withdrawal from contract”),
   • via the form on the Contact page,
   • by post to: AI BRESLAU Sp. z o.o., ul. Cybernetyki 9, 02-677 Warszawa.
4. The Consumer may use the model withdrawal form set out in Annex 2 to the Consumer Rights Act, but this is not mandatory.
5. We will promptly confirm receipt of the withdrawal statement on a durable medium (by e-mail). Withdrawal from a free contract involves no costs for the Consumer. If the Consumer has made any payments to us, we will refund them promptly, no later than 14 days after receiving the statement, using the same payment method, unless the Consumer agrees to another method at no cost to them.

§13. Complaints

1. Complaints about the Website and the services provided can be submitted:
   • by e-mail to info@tm-invest.com.pl,
   • via the form on the Contact page,
   • by post to: AI BRESLAU Sp. z o.o., ul. Cybernetyki 9, 02-677 Warszawa.
2. A complaint should include contact details (name, e-mail or phone), a description of the problem and, if possible, the address of the page concerned and the date the problem occurred.
3. We respond to complaints within 14 days of receipt, by e-mail or in the manner indicated by the complainant. If a complaint needs to be completed, we will ask for this before that deadline.
4. Complaints about apartments and contracts with a Developer or a bank are handled by the Developer or the bank, respectively. At the User’s request, we will help forward the complaint to the appropriate party.

§14. Liability

1. We make every effort to ensure that the Website operates without interruption and that the information on it is up to date and accurate. We may temporarily limit access to the Website due to maintenance, updates or failures, where possible during off-peak hours.
2. We are not liable for the content of information provided by Developers and other third parties (§4), for banks’ decisions (§7), for calculator results used without verification (§9), or for the content of third-party websites linked from the Website.
3. We are not liable for the consequences of using the Website in breach of the Terms or for damage resulting from the User sharing their password with third parties.
4. The Terms do not exclude or limit liability towards Consumers to the extent that such exclusion or limitation is not permitted by law, including liability for intentional damage. Towards Users who are not Consumers, we are liable only for damage caused intentionally or through gross negligence.

§15. Personal data and cookies

1. The Provider is the controller of Users’ personal data. The processing of data, Users’ rights and contact details for data protection matters are described in the Privacy policy.
2. The Website uses cookies and similar technologies. Details, including the list of cookies and how to change consent, are in the Cookie policy. Consent settings can be changed at any time using the “Cookie settings” button in the Website footer.
3. We send commercial information electronically and make marketing contact only with the User’s consent, which can be withdrawn at any time.

§16. Dispute resolution and governing law

1. A Consumer may use out-of-court methods of handling complaints and pursuing claims, in particular the assistance of a municipal or district consumer ombudsman (rzecznik konsumentów), mediation by a provincial Trade Inspection office (Inspekcja Handlowa) or a permanent consumer arbitration court. Information about these methods and the authorised bodies is available on the website of the Polish Office of Competition and Consumer Protection (UOKiK): polubowne.uokik.gov.pl. Using them is voluntary and requires the consent of both parties.
2. Contracts concluded under the Terms are governed by Polish law. This choice of law does not deprive the Consumer of the protection afforded by the mandatory provisions of the law of the country of their habitual residence.
3. Disputes are heard by the common courts having jurisdiction under the Polish Code of Civil Procedure.

§17. Changes to the Terms and final provisions

1. We may change the Terms for valid reasons, in particular changes in the law, changes in the scope or manner of providing services on the Website, or the need to ensure the security of the Website.
2. We announce changes to the Terms on the Website and additionally notify Users with an Account by e-mail at least 14 days before the changes take effect. A User who does not accept the changes may terminate the Account agreement before they take effect by deleting the Account. Changes do not affect rights acquired before they take effect.
3. Contracts concluded before a change of the Terms remain subject to the previous Terms until the changes take effect.
4. These Terms are effective from 28 September 2026.