Terms of Service

Definitions

1. Provider — the entity identified in § 2(1).
2. Service or Courselob — the website at courselob.com together with its subpages, operated by the Provider.
3. User — a natural person aged 18 or over, a legal person or an organisational unit using the Service.
4. Consumer — a User who is a natural person entering into a contract not directly connected with their business or professional activity. Provisions concerning Consumers also apply to a natural person entering into a contract directly connected with their business activity where the contract is not of a professional character for that person.
5. Account — the User's set of data in the Service, available after logging in.
6. Plan — a variant of paid access, differing in Token allowance and available features.
7. Tokens — the unit measuring how much material the Service generates. Generating one lesson uses 1,000 Tokens regardless of its length.
8. Materials — content generated in the Service from the topic supplied by the User.

The Provider and contact

1. The Provider is Piotr Zacharek, conducting sole-trader business activity under the name PIOTR ZACHAREK, entered in the Polish Central Register and Information on Economic Activity (CEIDG), os. Powstań Narodowych 49 lok. 4, 61-216 Poznań, Poland, tax identification number (NIP) 7821005108, statistical number (REGON) 631505817.
2. Contact: support@courselob.com and the contact form in the Service. Written correspondence should be sent to the address given in (1) above.
3. The Provider replies on business days, usually within 2 business days, and no later than the deadlines set out in § 9.
4. The language of the contract and of correspondence is Polish.

Scope of services

1. The Provider supplies, by electronic means, a tool which generates Materials from a topic supplied by the User: a topic analysis with a suggested price, title suggestions, a section plan, the content of each lesson with a quiz and with photo and video suggestions, a course sales page, and marketing texts.
2. The features available in each Plan are set out in the pricing page, which forms an integral part of the contract.
3. The topic analysis, title suggestions and section plan can be generated without an Account and free of charge.
4. The service consists in making a tool available. The Provider does not undertake to achieve any sales result, nor that the Materials will find buyers.
5. Materials are generated by an artificial intelligence model. See § 12.

Technical requirements

1. You need a device with internet access, a current browser with JavaScript enabled, and a working email address.
2. The Provider is not liable for interruptions caused by the User, the User's internet provider, or force majeure.
3. Supplying unlawful content is prohibited.

Account

1. Creating an Account is free and requires an email address and a password, or signing in with a Google account.
2. Only a person aged 18 or over may create an Account.
3. The User undertakes to give true data and to protect their password.
4. The User may delete the Account at any time by contacting the Provider. Deletion terminates the contract and does not affect the obligation to pay for a period already started.
5. The Provider may suspend or delete an Account in the event of a material breach of these terms, in particular of § 11, after calling on the User to stop and allowing at least 7 days. No such call is required where the breach is unlawful or threatens the security of the Service or of other Users.

Plans, prices and payment

1. Paid features require a Plan. Current Plans and prices are on the pricing page.
2. The Provider is exempt from VAT. The prices shown are final — nothing is added on top.
3. Payments are handled by Stripe Payments Europe, Ltd. The Provider does not store and has no access to card details.
4. Payment is taken in advance for the chosen billing period: monthly or two-monthly. On the two-monthly period the whole amount for two months is taken at once, up front.
5. The Token allowance renews at the start of each billing period. Unused Tokens do not carry over and are not exchangeable for money.
6. The topic analysis, section plan and sales page do not use Tokens.
7. Regenerating the same lesson uses another 1,000 Tokens.
8. Upgrading takes effect immediately. Downgrading takes effect at the end of the paid billing period.
9. The Provider issues an accounting document in accordance with applicable law and sends it to the email address linked to the Account.

Duration and termination

1. The contract is concluded for the chosen billing period and renews automatically for a further identical period unless terminated.
2. The User may terminate at any time, with effect at the end of the paid billing period, keeping full access until then.
3. Termination is done through Account settings or by writing to support@courselob.com. No reason is required.
4. Termination does not remove access to Materials generated before it took effect — see § 10.

Right of withdrawal

1. A Consumer who concluded a distance contract may withdraw from it without giving a reason within 14 days of its conclusion.
2. To meet the deadline it is enough to make a statement before it expires: through Account settings in the Service, by writing to support@courselob.com, or in writing to the Provider's postal address. The model form in Annex 1 of the Polish version may be used but is not obligatory — any unequivocal statement of withdrawal is enough.
3. On withdrawal the Provider returns the payment — reduced only by the amount for the used part of the service, calculated as set out in point 4 — without delay and no later than 14 days from receiving the statement, using the same payment method, unless the Consumer agrees otherwise.

4. If the Consumer requested performance before the withdrawal deadline and then withdrew, the payment for the performance received (Article 35 of the Consumer Rights Act) is calculated in proportion to the used token pool: the Plan price multiplied by the ratio of tokens used up to the moment of withdrawal to the Plan's full token pool. A Consumer who used no tokens bears no cost.
5. Effect of withdrawal on Materials. Under Article 34(1a) of the Polish Consumer Rights Act, a Consumer who has withdrawn from a contract for the supply of a digital service must stop using it and stop making it available to third parties. Withdrawal from a Plan contract therefore ends the licence to the Materials generated under that Plan, and the Provider may disable further access to them. This does not affect Materials generated under the free tier or under another Plan that was not withdrawn from. The rule in § 10(2) — Materials stay with the User also after the contract ends — concerns termination and expiry of the contract, not withdrawal from it.
6. The right of withdrawal does not apply to a User who is not a Consumer.

Course sales by Creators

1. The party to the contract with a Student is the Creator, not the Provider. Courselob supplies the tool to build a course and the page on which the Creator presents it. The contract for access to a course is concluded between the Creator and the Student; the Provider is not a party to it, does not collect the course payment for itself and is not responsible for the course content.
2. A Creator selling to Students who are Consumers has their own duties under the Polish Consumer Rights Act — including the pre-contractual information duty, complaint handling and the withdrawal rules described in § 8.
3. A course is digital content not supplied on a tangible medium. The right of withdrawal expires when the three conditions of art. 38(1)(13) of the Polish Consumer Rights Act are met together: the Student expressly requests performance before the 14-day deadline, acknowledges losing the right of withdrawal as a result, and receives confirmation of that fact.
4. The course page in the Service contains a separate, unticked consent box with the wording required by point 3; until it is ticked the purchase button does not lead to payment, and for payment within the Service (point 5) the Service refuses to create a payment without recorded consent and stores the moment it was given together with the payment. The Creator must ensure the same consent is collected and confirmed wherever they actually take payment, if that happens outside the Service.
5. The Service provides a payment mechanism on the course page: the payment is handled by Stripe and the funds go directly to the Creator's Stripe account; the Creator remains the seller and the party to the contract with the Student. The Provider does not store card data and has no access to it; it charges the Creator a sales commission whose current rate is shown in the Dashboard when connecting the payout account. Access to the course is added to the Student's Account automatically after payment. If the Creator does not use this mechanism, they arrange payment and access delivery themselves outside the Service; the Provider then takes no part in the settlement.
6. The Creator is responsible for the lawfulness of the course content and for the tax settlement of sales. The Provider may block a course page upon credible notice of a breach of law or of these terms.

Complaints and conformity with the contract

1. The Provider must supply the service and digital content in conformity with the contract. Consumers have the rights set out in Chapter 5b of the Polish Consumer Rights Act where that conformity is lacking.
2. Complaints go to support@courselob.com or in writing to the Provider's address. Describe the problem and give the email address linked to the Account.
3. The Provider examines a complaint within 14 days of receiving it and reports the outcome by email. Failure to reply within that time counts as accepting the complaint.
4. Where digital content does not conform to the contract, the Consumer may demand that it be brought into conformity. Where that is impossible or would require excessive cost, where the Provider fails to do so within a reasonable time, or where the lack of conformity is material, the Consumer may declare a price reduction or withdraw from the contract.

Rights to the generated Materials

1. Materials generated by the User belong to the User. The Provider claims no rights to them and requires no additional licence.
2. The User may freely modify, publish, sell and distribute the Materials, in their own name and for their own account, also after the contract ends — subject to § 8(5), which concerns withdrawal from a Plan contract only.
3. The User sets the sale price. The figure suggested by the topic analysis is only a hint and is not a valuation, a forecast, or an assurance of possible revenue.
4. The Provider does not guarantee that generated Materials will be unique. The model may produce similar content for similar topics for different Users.
5. The Provider does not transfer rights to the Service itself, its code, layout, name or trade marks.
6. The User is responsible for lawful use of the Materials, in particular for content they enter and for third-party rights in anything they add.

Rules of use and prohibitions

1. The User uses the Service in accordance with the law, good practice and these terms.
2. The following are prohibited:
   1. generating unlawful content, including content inciting violence or hatred or infringing personal rights or third-party copyright;
   2. presenting medical, legal or financial advice as coming from a qualified professional where the User is not one;
   3. sharing the Account with third parties and reselling access to the Service;
   4. automated scraping, attempts to bypass Token limits, and activity loading the infrastructure beyond ordinary use;
   5. impersonating the Provider or suggesting that the Provider endorses or recommends the User's course.
3. Breach of paragraph 2 entitles the Provider to act as described in § 5(5).

Artificial intelligence — limitations

1. Materials are created by an artificial intelligence model. The model can make mistakes, including giving inaccurate or outdated information.
2. The User undertakes to check the Materials before showing them to third parties. The User is responsible for what they publish and sell.
3. The topic score shown in the Service is the model's judgement of its own suggestions. It is not market data, demand research or a sales forecast.
4. Materials do not constitute legal, medical, tax or investment advice, whatever the topic given.
5. The Provider may change the model supplier or its version. Such a change is not a change to these terms where it does not reduce the scope of the service.

Liability

1. The Provider is liable on general principles arising from law.
2. Towards a User who is not a Consumer, the Provider's liability is limited to the fees paid by that User in the 12 months preceding the event and does not cover lost profits.
3. The limitation in paragraph 2 does not apply to Consumers or to damage caused intentionally.
4. The Provider is not liable for the User's business decisions or for the sales results of courses created using the Service.
5. The Provider endeavours to keep the Service running continuously and reserves the right to technical breaks, announced in advance where possible.

Personal data

1. The controller of Users' personal data is the Provider.
2. The rules of processing are set out in the Privacy policy, which forms an integral part of these terms.

Changes to these terms

1. The Provider may change these terms for important reasons, in particular changes in law, in the scope or manner of providing the services, in the pricing, or in the suppliers used by the Service.
2. Users with an Account are notified by email at least 14 days before a change takes effect.
3. A User who does not accept a change may terminate the contract before it takes effect. The contract then ends at the close of the paid billing period on the existing terms.
4. Contracts concluded before a change takes effect are governed by the previous wording until the end of the paid billing period.

Dispute resolution

1. The Provider seeks amicable resolution. Complaints may be submitted as described in § 9.
2. A Consumer may use out-of-court complaint and redress procedures, in particular a permanent consumer arbitration court or mediation before a provincial inspector of the Polish Trade Inspection.
3. A Consumer may obtain free assistance from a municipal or district consumer ombudsman or from a consumer organisation.
4. The EU online dispute resolution platform is available at ec.europa.eu/consumers/odr.
5. Using these procedures is voluntary and requires the agreement of both parties.

Final provisions

1. Matters not covered here are governed by Polish law, in particular the Civil Code, the Consumer Rights Act and the Act on Providing Services by Electronic Means.
2. The choice of Polish law does not deprive a Consumer of the protection afforded by mandatory provisions of the law of their country of habitual residence.
3. Disputes with a User who is not a Consumer are settled by the court having jurisdiction over the Provider's registered office. Disputes with a Consumer are settled according to general rules.
4. If any provision proves invalid, the remaining provisions stay in force.
5. These terms are made available free of charge in a form allowing them to be downloaded, reproduced and stored.
6. The model withdrawal form is Annex 1 to the Polish version. Using it is not obligatory — any unambiguous statement is sufficient.