Terms of Use

1. Service provider and contact

The website is operated by Marcin Bęben. For questions about the website or these terms, contact contact@marcinbeben.pl.

These terms govern use of the website. They do not replace a separate agreement with Marcin or a lender and do not determine the terms of any mortgage, insurance or property transaction.

2. Website services and charges

The website provides information and journal articles, monthly-payment and refinancing calculators, overpayment projections, downloadable calculation reports, an AI information assistant, and forms for enquiries, consultation requests and property-search requirements. Availability of particular features may change as described below.

Reading the website, using its calculators and assistant, downloading calculator reports and sending enquiries are free of charge. Your internet or mobile provider may charge for connectivity. Any charges for a separate service must be explained and agreed before that service is provided.

3. Access and acceptable use

Public information is available without creating an account. Interactive features require an internet connection and a current browser with JavaScript enabled. Some forms and PDF downloads require a security check. Browser storage retains calculator progress in the current tab; if storage is blocked, calculations still work but progress may be lost on refresh. Optional analytics consent is not required to use the calculators.

Read these terms before using an interactive service. The requested online service begins when you use the relevant tool or submit a form. You may stop using it at any time. Leaving the website does not withdraw an enquiry already sent or cancel an appointment; contact Marcin to arrange those changes.

Do not submit unlawful content, impersonate another person, interfere with the website or bypass its security controls. Provide accurate contact information and only data needed for your request. Use designated secure upload fields if documents are requested; do not paste sensitive documents into general messages or the AI assistant.

4. Enquiries, consultations and property searches

A successful form submission confirms receipt of your request. It does not confirm a consultation, loan approval, property availability or an agreement to buy, sell or arrange financing.

A requested published consultation time is held pending confirmation. A flexible-time request does not reserve a time. Marcin confirms the arrangements separately; confirmation and subsequent updates may be sent by email. For an online meeting, use the meeting link supplied with the confirmed arrangements. Contact Marcin if you need to cancel or change the time.

The property-search form records your requirements for follow-up. Sending it does not guarantee that a suitable property will be found. Any subsequent property or financial service requires separate arrangements.

5. Calculator results and financial decisions

Results are estimates based on the information you enter and the assumptions displayed. They are not a loan offer, a credit decision, a promise of financing or an individual recommendation following a full assessment. A lender independently assesses your income, obligations, the property and other circumstances.

Using a calculator or downloading a report does not submit a mortgage application or conclude a loan agreement. Check the inputs, dates and assumptions and obtain individual advice before making commitments.

The repayment model uses the displayed nominal annual rate divided by 12, monthly interest rounded to grosz and a final instalment adjusted to settle the balance. It does not calculate RRSO/APR. Purchase costs, insurance and other charges are excluded unless expressly included. A lender’s calculation conventions and payment dates can produce different results.

Refinancing may reduce or increase your costs. Projected interest savings are not necessarily overall savings after fees, insurance and other charges. Read each result’s label: a positive monthly-payment change means a higher new payment, while a positive interest saving means less projected interest.

6. Interest rates and POLSTR assumptions

A rate shown for illustration is not a guaranteed offer. Where an initial fixed-rate period ends before the loan term, later payments use the future-rate assumption shown in the calculator. These projections do not predict future market rates.

For variable-rate refinancing scenarios, the calculator adds your entered bank margin to the displayed POLSTR 1M value sourced from GPW Benchmark. Check the observation date: the latest published value may be from an earlier day, including weekends, holidays or periods before a new publication. It is held unchanged for the projection.

Your existing agreement may use a different benchmark, tenor, observation date or reset frequency. This simulation does not change that agreement or replace its contractual interest rate. If the required benchmark cannot be obtained, a variable-rate result may be unavailable.

7. Overpayments and saved reports

Overpayment projections assume that additional payments reduce outstanding principal after the regular monthly instalment. You can model a shorter term or lower subsequent instalments. The actual effect depends on your lender’s rules and any required instructions or agreement changes. Early-repayment charges are not included.

Whole term means a monthly overpayment from month 1 until repayment. Other frequencies use the selected start and end months, repeating from the start month at the chosen interval. One-off payments apply in the month specified. Overpayments are capped at the remaining principal and stop when the loan is repaid. Continuing overpayments may repay the loan early even when you choose to reduce instalments.

Changes to the overpayment plan affect the displayed results only after you select Update results. The updated figures, graph, schedule and PDF use the applied plan. A downloaded report records the results and assumptions at the time of the download request; it does not update automatically and is not a bank-issued repayment schedule.

8. Website issues and complaints

Send complaints about the website or its tools to contact@marcinbeben.pl. You may also use the contact form. Describe the affected page or tool, what happened, the approximate date and your requested resolution, and provide a way to reply. Include a screenshot if useful, after removing unnecessary personal or financial information.

Complaints are handled without undue delay. Where Article 7a of the Polish Consumer Rights Act applies, a response is provided within 14 days of receipt unless separate legislation sets a different rule. The response is sent by email or another durable medium. Complaints concerning a lender’s product or a separate regulated service follow the procedure applicable to that product or service.

These terms do not limit mandatory consumer rights or exclude liability that cannot lawfully be excluded. Polish law applies subject to any mandatory protections available to you under otherwise applicable law.

9. Articles, photographs and other content

Website text, photographs, graphics, branding and software are protected by the rights of their respective owners. You may read the website and save or print these terms and your calculation reports for your own use. You may share your calculation report with a lender or adviser when discussing your situation.

Reproducing or reusing other protected material requires the right holder’s permission unless permitted by law. Do not remove attribution or present website material as your own. Third-party names and trademarks remain the property of their respective owners.

10. Privacy and the AI assistant

The Privacy Policy explains how information is handled, including enquiries, document uploads, calculator reports and conversations with the AI assistant. The Cookie Policy explains browser storage and related technologies. You can reopen Cookie Settings from the footer.

The AI assistant provides general information and may make mistakes. Its replies are not a bank decision or a substitute for individual assessment. Verify important information with Marcin and avoid sharing identity documents, bank credentials or unnecessary sensitive information in chat.

11. Availability and external services

Maintenance, updates, security incidents, network problems or interruptions to external providers may temporarily affect the website or particular features. If a submission does not show a success confirmation, check before assuming it was received. You can contact Marcin by email if a website tool is unavailable.

External links take you to services operated by other providers under their own terms. An external profile, rate or information source does not guarantee a particular product or its availability.

12. Updates and keeping a copy

These terms may be updated to reflect changes in the website’s features, technical operation, provider details or applicable law. The updated version and its date are published on this page. Any additional notice or consent required by law will be provided or obtained. Changes do not retrospectively remove your existing rights or change a separate agreement without the applicable process.

You can save or print this page using your browser. If you do not accept an updated version, you may stop using the website. That does not affect an enquiry already submitted, an existing appointment or your mandatory rights.