§ 1. Definitions

Whenever the following expressions and terms are used in these Terms and Conditions (hereinafter referred to as the “Terms and Conditions”), they shall be understood as follows:

1. “Seller” – the owner of the Mennica Skarbowa Store, which is the company operating under the name “Mennica Skarbowa” joint-stock company (spółka akcyjna), with its registered office in Warsaw, ul. Jasna 1, 00-013, entered into the register of entrepreneurs of the National Court Register by the District Court for the Capital City of Warsaw, 12th Commercial Division of the National Court Register, under number 0000391546, REGON: 142951136, NIP (Tax ID): 7010307347, entered on 28/08/2011 in the register of currency exchange activities under number 9571 to a limited extent (purchase and sale of monetary gold and monetary platinum and intermediation in the purchase and sale of monetary gold and monetary platinum);
2. “Branch” – a separate point of sale of the Seller, indicated on the list at: http://www.mennicaskarbowa.pl/contact.php. Partner Branches run by other entities are not considered Branches;
3. “Buyer” or “Client” – an entity being a natural person, a legal person, or an organizational unit without legal personality and equipped with legal capacity as referred to in Article 33¹ of the Civil Code, which concludes with the Seller a sales agreement for Goods or Listed Goods;
4. “User” – an entity that has obtained access to services provided electronically by the Seller within the Store, under the rules specified in the Terms and Conditions;
5. “Parties” or “Party” – the Seller and the Buyer (jointly referred to as the “Parties” or individually as a “Party”);
6. “Goods” – any item or service offered for sale by the Seller in the online store http://www.mennicaskarbowa.pl/;
7. “Listed Goods” – Goods whose price depends solely on price movements in the financial market, pursuant to Article 38(1)(2) of the Act of 30 May 2014 on consumer rights;
8. “Store” – the Mennica Skarbowa website owned by the Seller, through which the Seller sells Goods and Listed Goods via the Internet, located at the web address http://www.mennicaskarbowa.pl/;
9. “GDPR” – Regulation (EU) 2016/679 of the European Parliament and of the Council of 27/04/2016 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;
10. “Consumer” – a natural person concluding with the Seller a sales agreement for Goods or Listed Goods not directly related to their business or professional activity (Article 22¹ of the Civil Code);
11. “Entrepreneur” – a natural person, legal person, and organizational unit referred to in Article 33¹ § 1 of the Civil Code, conducting business or professional activity in their own name (Article 43¹ of the Civil Code);
12. “Entrepreneur with consumer rights” – a natural person who concludes with the Seller a sales agreement for Goods or Listed Goods directly related to their professional activity, but not of a professional nature for them, resulting in particular from the subject of the business activity performed by them, made available on the basis of the provisions on the Central Registration and Information on Business;
13. “Client Account” – an individual panel for each Client, launched for them by the Seller after the Client completes Registration and concludes an agreement for the provision of the Client Account service. The Client may choose the option of setting up an Account for a Consumer or for an Entrepreneur.
14. “Force majeure” – an external event beyond the control of the Parties, unexpected, impossible to prevent (e.g.: wars, cataclysms, epidemics, strikes, social disturbances, destruction of machines, a factory or any kind of installations, boycott, strikes, lockouts of any kind, “Italian strike”, occupation of the factory and premises).

§ 2. General provisions

1. The Terms and Conditions define the rules for using and operating the Store, establishing the mutual rights and obligations of Users and the Seller.

2. All rights to the Store, including proprietary copyrights, intellectual property rights to its name, its internet domain, the Store’s website, as well as to templates, forms, logos and photos, graphics, solutions, films and clips, layouts and descriptions posted on the Store’s website, constitute works within the meaning of the Act on Copyright and Related Rights and belong to the Seller. Any dissemination and copying of any content of the Store without the express consent of the Seller given in writing or electronically is prohibited.

1. The Terms and Conditions define the rules for purchasing Goods and Listed Goods, which may be modified for the purposes of conducting promotional campaigns by introducing sales offer conditions other than those set out in the Terms and Conditions, of which the Store informs Clients each time before concluding the Agreement.
2. The User undertakes to use the Store in accordance with the provisions of these Terms and Conditions, the generally applicable laws, and good practices. The User is obliged to use the services and functionalities made available by the Seller in a manner that does not disrupt the operation of the Seller and the Store’s website. Actions that may be considered as disrupting the operation include, in particular, placing orders in a manner that gives rise to the suspicion of using tools automating the ordering process, especially bots, or using the services and functionalities made available by the Seller in a manner indicating an intention to violate the provisions of the Terms and Conditions or legal regulations.
3. To use the Store, the User should meet the following technical requirements enabling the use of the Store, such as:

• an active Internet connection,
• an active e-mail address,
• a properly configured web browser such as Google Chrome, Mozilla Firefox, Microsoft Edge, Internet Explorer, Safari, or Opera – updated to the most recent version.

1. The User undertakes to use the Store in accordance with the provisions of these Terms and Conditions, the generally applicable laws, and good practices. The User is obliged to use the services and functionalities made available by the Seller in a manner that does not disrupt the operation of the Seller and the Store’s website. Actions that may be considered as disrupting the operation include, in particular, placing orders in a manner that gives rise to the suspicion of using tools automating the ordering process, especially bots, or using the services and functionalities made available by the Seller in a manner indicating an intention to violate the provisions of the Terms and Conditions or legal regulations.
2. During registration, the Client selects the type of account, i.e., whether it will be a Client Account intended for purchasing Goods by natural persons or for Entrepreneurs.
3. The Client may not use a Client Account created for a natural person to carry out transactions under Entrepreneur data, and vice versa.
4. An invoice issued to an Entrepreneur or an Entrepreneur with consumer rights will be issued if the order is placed via an Account for Entrepreneurs.

§ 3. Registration

1. User registration takes place by completing the registration form available on the Store’s website, after the User has provided the data necessary to process orders placed in the Store.

1. Completing the form results in the creation of a Client Account in the Seller’s Store, for which the User selects a password and login in order to log in to the Store. The effective confirmation of the registration form by the Client constitutes the moment of creating the Account and concluding an agreement for the provision of electronic services, the subject of which is the availability of the Client Account functionality.
2. The Client is obliged to provide true data. If the Seller determines that the data provided are untrue, the Seller reserves the right to refuse to process the order, block, or delete the Client’s account. During registration, the Client is required to accept: the Terms and Conditions and the Privacy Policy available at https://www.mennicaskarbowa.pl/pol-terms.html, https://www.mennicaskarbowa.pl/pol-privacy-and-cookie-notice.html.
3. Registration in the Store is voluntary and free of charge, and the Client has access to their data at any time, as well as the possibility to modify or delete them, in accordance with the Privacy Policy available in the Store at the link: https://www.mennicaskarbowa.pl/pol-privacy-and-cookie-notice.html.
4. It is forbidden to use other Clients’ accounts or to share one’s account data with third parties. The Seller is not responsible for situations where the Client shares their account data with third parties.
5. When confirming the registration form, the Client may subscribe to the Email or SMS Newsletter by voluntarily consenting to the processing of personal data by checking the appropriate boxes for marketing purposes and for receiving commercial information electronically.
6. The Seller provides the possibility to browse the Store and to place orders for Goods without the requirement to have an account in the Store.

§ 4. Orders

1. Orders in the Store may be placed in one of the following ways:

1. via the forms available directly in the Store – provided that the Client receives a return e-mail or written confirmation of the order acceptance from the Seller,
2. by phone – at the phone number indicated in the Store, provided that the Client receives a return e-mail or written confirmation of the order acceptance from the Seller. Additionally, during the call, the Seller shall inform the Buyer that they are entering into a distance contract,
3. by e-mail – to the address indicated in the Store, provided that the Client receives a return e-mail or written confirmation of the order acceptance from the Seller,
4. in person – at one of the Branches listed at http://www.mennicaskarbowa.pl/contact.php, provided that the Client receives a return e-mail or written confirmation of the order acceptance from the Seller.

1. The Client may choose the following payment methods:

1. by bank transfer to the bank accounts indicated at http://www.mennicaskarbowa.pl/contact.php and in e-mail messages confirming the order,
2. by bank transfer via the PayU system,
3. by payment card via the PayU system,
4. by BLIK payment via the PayU system,
5. by payment card at the Seller’s Branch.

1. The confirmation of order acceptance referred to in paragraph 1 above constitutes a declaration by the Seller of acceptance of the Client’s offer. Upon acceptance of the Client’s offer by the Seller, a Sales Agreement for the specified Goods is concluded.
2. The order is processed after:

• the Seller has received the payment,
• the Seller has received authorization via the PayU system,
• the Seller has received authorization of the transaction from the payment terminal that enables payment by card,

subject to paragraph 5.

1. The data of the Client making payment via PayU S.A. are transferred directly to the PayU S.A. system, bypassing the Store, and the use of the aforementioned services requires the Client’s prior acceptance of their terms and conditions.
2. The order for Listed Goods will be processed if the Seller receives payment to its bank account or an authorization confirmation within 1 business day from the moment the order is placed. Otherwise, the Seller has the right to cancel the Client’s order, in which case the order shall be considered as not placed. The Seller may also offer the ordered Listed Goods to the Client, taking into account the appropriate change in price. The Client’s acceptance of the new price is equivalent to placing a new order within the meaning of the above provisions. Lack of acceptance within 1 business day from the offer of the new price shall result in the order being considered as not placed.
3. The prices given in the Store are gross prices (i.e., they include applicable VAT according to current rates) and are expressed in Polish zlotys (PLN).
4. The Client making a payment via PayU agrees to cover the costs related to using the PayU system by checking the appropriate box in the order form, after which the fee is added to the total order value.

8. The Goods and Listed Goods available in the Store do not constitute an offer within the meaning of the Act of 23 April 1964 – the Civil Code (Journal of Laws 2020.1360 as amended), but are merely an invitation to submit purchase offers by the Client, within the meaning of Article 71 of the Civil Code.
9. The confirmation of offer acceptance referred to in paragraph 4 above constitutes a declaration by the Seller of acceptance of the Client’s offer. Upon acceptance of the Client’s offer by the Seller, a Sales Agreement for the specified Goods is concluded.
10. In situations where the Seller is obliged to apply the provisions of the Act of 1 March 2018 on counteracting money laundering and financing of terrorism (Journal of Laws 2018, item 723, as amended), or internal procedures resulting from the aforementioned Act, the Client is obliged to undergo the required verification.

§ 5. Delivery of Goods

The order is fulfilled only within the territory of the Republic of Poland. The execution of orders outside the territory of the Republic of Poland requires additional confirmation by the Ordering Party and involves the Client’s obligation to cover additional delivery costs of the Goods.

1. The Seller delivers the Goods:

• by insured courier shipment, with the cost of insurance borne by the Consumer, under the terms specified by the intermediary whose services the Seller uses,
• through personal collection of the Goods at one of the Seller’s Branches after prior arrangement of the date or system notification of the order’s availability at the Branch,

1. The declaration of the option for personal collection of the Goods by the Client entails the Client’s obligation to collect the Goods within 3 months from the date of being informed about the possibility of collecting the Goods.
2. If the Client fails to collect the Goods within the above period, the Goods may be placed by the Seller in the central warehouse at the Client’s cost and risk, unless the Client decides to conclude a storage agreement under terms specified in a separate regulation.
3. For unauthorized storage of uncollected Goods by the Client, the Seller may charge the Client a fee for unauthorized storage of the Goods amounting to 1% of the net order value for each commenced week of unauthorized storage of the Goods.
4. The Goods may still be collected by the Client, but only after payment by the Client of the fee for unauthorized storage of the Goods.
5. After the deadline for collection of the Goods by the Client has passed, the Seller shall set a new collection date, taking into account the need to transfer the Goods from the central warehouse.

• by another delivery method offered by the Seller, under the terms of the carrier whose services the Client uses.

1. For a Client who is an Entrepreneur, the delivery of the Goods is deemed completed at the moment when, for the purpose of delivering the Goods to the destination, the Seller entrusts them to a carrier engaged in the transportation of such goods.
2. At the moment the Seller hands over the Goods to the carrier, the benefits and burdens associated with the Goods, as well as the risk of accidental loss or damage to the Goods, pass to the Client who is not a Consumer. In such a case, the Seller shall not be liable for the loss, shortage, or damage of the Goods occurring from the moment of acceptance for transport until delivery to the Client, nor for any delay in the shipment’s delivery.
3. The dispatch time for courier shipments is up to 1, 3, or 15 business days from the moment the funds are credited to the Store’s bank account, with the Seller informing the Client each time of the current delivery time for the given type of Goods.
4. The delivery time for Goods in the case of personal collection is up to 1, 3, or 15 business days from the moment the funds are credited to the Store’s bank account, with the Seller informing the Client each time of the current delivery time for the given type of Goods.
5. The Seller includes a receipt, VAT invoice, or VAT margin invoice with each order.
6. The condition for receiving a VAT invoice or VAT margin invoice in the name of an Entrepreneur is placing the order through a Client Account created for Entrepreneur data.
7. Delivery costs are added to the order value each time according to the rates published in the Store. The insurance cost is included in the total delivery price. The Consumer agrees to cover the shipping and insurance costs by checking the appropriate box in the order form.
8. The Parties are bound by the purchase price of the Goods in the case of a valid order placed by the Client and accepted by the Seller.
9. The Seller delivers the Goods in accordance with the conditions presented to the Client each time in the description and specification of the Goods.
10. The shipment is delivered to the address provided by the Buyer. The Seller is not responsible for incorrect delivery address indications by the Client. Receipt of the shipment by the Client or by a person who declares that they are authorized to collect the shipment on their behalf is considered effective delivery of the Goods.
11. At the Client’s request, the Goods may be stored in the Seller’s vault. The conditions and costs of this service are determined separately. After the Client has purchased the Goods, the Seller provides the Client, upon request, with an offer for the storage of the Goods, specifying the details of the storage service.
12. The shipment is delivered to the address provided by the Client, and receipt of the shipment by a person who declares that they are authorized to collect it on the Client’s behalf is considered effective. The Seller is not responsible for an incorrectly provided delivery address by the Client.
13. The Client is obliged, when receiving the Goods from the carrier, to inspect the contents of the shipment at the time and in the manner customary for such shipments in the presence of the courier, and in the event of noticing damage to the shipment, to prepare an appropriate report and take necessary actions to determine the carrier’s liability.
14. The Seller shall not be liable for failure to deliver the Goods on time if the failure to execute the Order results from the occurrence of Force Majeure.
15. In the case of Force Majeure, the Seller shall immediately inform the Client of the possibility of delivery delays due to Force Majeure.

§ 6. Personal Data

1. The administrator of the Clients’ personal data is Mennica Skarbowa S.A. with its registered office in Warsaw [00-013], ul. Jasna 1, entered into the Register of Entrepreneurs of the National Court Register by the District Court for the Capital City of Warsaw in Warsaw, 12th Commercial Division of the National Court Register, under number: 0000391546, REGON: 142951136, NIP: 7010307347, share capital: PLN 208,020.00 [fully paid], biuro@mennicaskarbowa.pl
2. Information on the processing of personal data by the Seller can be found in the Privacy Policy available at: https://www.mennicaskarbowa.pl/pol-privacy-and-cookie-notice.html.

§ 7. Withdrawal from the Contract

1. Every Client who is a Consumer within the meaning of Article 22¹ of the Civil Code and uses the Store has – under the applicable law – the right to withdraw from the concluded sales contract for goods (services) without giving any reason, within the period described below, subject to the provisions of this paragraph. The withdrawal statement should be sent to: Mennica Skarbowa S.A., ul. Jasna 1, 00-013 Warsaw.
2. The right of withdrawal is granted to the Consumer within a non-extendable period of 14 days, starting from the day the Consumer receives the goods. The deadline is met if, before its expiry, the Consumer sends an unequivocal withdrawal statement to the address indicated above. A sample withdrawal form is attached as Appendix No. 1 to the Terms and Conditions of the Mennica Skarbowa online store and is available at: https://www.mennicaskarbowa.pl/Formularz-odstapienia-od-umowy-cterms-pol-59.html.
3. In the event of withdrawal from a distance contract, the contract shall be considered not concluded. The purchased goods must be returned to the following address: Mennica Skarbowa S.A., ul. Jasna 1/336, 00-013 Warsaw. The refund to the Client shall be made immediately, but no later than within 14 days.
4. If the Consumer submits a withdrawal statement before the Seller has accepted their offer, the offer ceases to be binding.
5. The Consumer’s right to withdraw from the contract is excluded in the following cases:

• Listed Goods and other contracts concerning services for which the price or remuneration depends solely on movements in the financial market,
• services with properties specified by the Consumer in their order or serving to meet their individual needs,
• services which, due to their nature, cannot be returned or whose subject quickly deteriorates,

in accordance with the provisions of Article 38 of the Act of 30 May 2014 on Consumer Rights.

1. In cases other than those indicated above, where the Client does not have the right to withdraw from the contract, the Seller may agree to the return or withdrawal of a submitted, including paid, order for Listed Goods. In such a case, the settlement with the Client shall be based on the prices listed on the following website: http://www.mennicaskarbowa.pl/Skup-metali-szlachetnych-cabout-pol-14.html.
2. The costs of returning the goods shall be borne by the Consumer, unless the withdrawal was caused by even a temporary inability of the Store to provide a service of the properties ordered by the Consumer.
3. Upon withdrawal by the Consumer from the contract, the Seller shall refund to the Consumer all payments received from the Consumer, including the costs of delivering the goods, immediately and in any case not later than 14 days from the day on which the Seller was informed of the Consumer’s decision to exercise the right of withdrawal from the contract.
4. The refund made by the Seller referred to in § 7 paragraph 8 does not include additional costs resulting from the Consumer’s choice of a delivery method other than the cheapest standard delivery method offered by the Seller.
5. The refund shall be made using the same payment methods that were used by the Consumer in the original transaction unless the Consumer agrees to another refund method that does not involve any costs for them.
6. If the Seller has not offered to collect the Goods from the Consumer, the Seller may withhold the refund of payments received from the Consumer until the Goods have been returned or until the Consumer provides proof of their return shipment, whichever occurs first.

§ 8. Complaints

1. On the Store’s website, the Seller posts photos of sample goods, which are for illustrative purposes only, depicting goods identified by type.
2. Complaints are processed within 14 calendar days from the date of their receipt.
3. The person submitting the complaint receives a response in electronic or written form, depending on the method of submission.
4. A condition for processing a complaint is the delivery of the Goods to the Seller along with proof of purchase and a description of the complaint.
5. The Consumer is responsible for any decrease in the value of the Goods resulting from using them in a manner beyond what is necessary to establish their nature, characteristics, and functioning.
6. The refund of the paid amount will be made immediately, but no later than within 14 calendar days from the moment the complaint is processed. The refund will be made via bank transfer to the account indicated by the Buyer or by postal transfer to the address indicated in the order.
7. The Client may submit a complaint via: the Store account, by sending an email to: biuro@mennicaskarbowa.pl, or in writing to: Mennica Skarbowa S.A., ul. Jasna 1, 00-013 Warsaw.
8. Complaints concerning the non-conformity of the Goods or Listed Goods with the Agreement are processed in accordance with the applicable provisions of Polish law, i.e. in the case of Consumers – under the provisions of the Act on Consumer Rights and the Civil Code, and in the case of Clients who are not Consumers – under the provisions of the Civil Code.
9. The Client exercising rights arising from the non-conformity of the Goods with the contract is obliged to deliver the defective Goods to the following address: Mennica Skarbowa S.A., ul. Jasna 1, 00-013 Warsaw, or to the Seller’s Branches listed at: https://www.mennicaskarbowa.pl/contact-pol.html.

10. A Client who is an Entrepreneur loses the rights under the warranty if they fail to inspect the Goods at the time and in the manner customary for such goods and do not immediately notify the Seller of the defect, and if the defect becomes apparent later – if they do not notify the Seller immediately after discovering it.
11. The use of out-of-court methods for handling complaints and pursuing claims is voluntary. The following provisions are for informational purposes only and do not constitute an obligation for the Seller to use out-of-court dispute resolution methods. The Seller’s statement of consent or refusal to participate in out-of-court consumer dispute resolution proceedings is made by the Seller on paper or another durable medium if, following a complaint submitted by the Consumer, the dispute has not been resolved.

1. The rules for conducting out-of-court consumer dispute resolution proceedings and the obligations of entrepreneurs in this regard are set out separately in legal regulations, in particular in the Act of 23 September 2016 on Out-of-Court Resolution of Consumer Disputes (Journal of Laws 2016, item 1823), or in the regulations applied by relevant entities authorized to handle consumer disputes. Detailed information regarding the possibility for a Consumer Client to use out-of-court complaint handling and claim procedures, as well as the principles of access to these procedures, may be available at the offices and on the websites of district (municipal) consumer ombudsmen, social organizations whose statutory tasks include consumer protection, Provincial Trade Inspection Authorities, and in particular at the following website of the Office of Competition and Consumer Protection (UOKiK): https://www.uokik.gov.pl/pozasadowe_rozwiazywanie_sporow_konsumenckich.php. The President of the Office of Competition and Consumer Protection maintains a public register of entities authorized to conduct proceedings in the field of out-of-court resolution of consumer disputes.

13. A Client who is a Consumer has the following examples of possibilities to use out-of-court methods of complaint handling and claim settlement:
    1. The Client is entitled to apply to a permanent consumer arbitration court, referred to in Article 37 of the Act of 15 December 2000 on Trade Inspection (Journal of Laws of 2018, item 1930, as amended), with a request to resolve a dispute arising from the concluded Agreement;
    2. The Client is entitled to apply to the Provincial Trade Inspection Inspector, pursuant to Article 36 of the Act of 15 December 2000 on Trade Inspection (Journal of Laws of 2018, item 1930), with a request to initiate mediation proceedings regarding out-of-court settlement of a dispute between the Client and the Seller;
    3. The Client may obtain free assistance in resolving a dispute between the Client and the Seller by also using free help from the district (municipal) consumer ombudsman or a social organization whose statutory tasks include consumer protection (including the Consumer Federation and the Polish Consumers Association);
    4. The Client may file a complaint via the ODR online platform: http://ec.europa.eu/consumers/odr/. The ODR platform is also a source of information about the forms of out-of-court dispute resolution that may arise between entrepreneurs and consumers.

§ 9. Other Provisions

1. The information contained on the Store’s website and presented by the Seller constitutes solely the Seller’s own opinions and does not constitute investment recommendations within the meaning of the Regulation of the Minister of Finance of October 19, 2005 (Journal of Laws of 2005, No. 206, item 1715, as amended) or within the meaning of the Delegated Regulation (EU) No. 596/2014 of the Commission with regard to regulatory technical standards for technical means for the objective presentation of investment recommendations or other information recommending or suggesting investment strategies and for the disclosure of particular interests or indications of conflicts of interest (OJ EU, L 160/15). It also does not constitute investment advice. The Client makes investment decisions solely at their own risk.

1. The protection of the Client’s personal data is ensured on the basis of this Regulation and the Privacy Policy available at: https://www.mennicaskarbowa.pl/pol-privacy-and-cookie-notice.html.

1. The Seller, with the Client’s consent, will seek to resolve all disputes amicably. If this proves impossible, any disputes arising from the sales contract shall be resolved by the court having jurisdiction under the provisions of civil procedure.
2. Clients may access these Terms and Conditions at any time at: https://www.mennicaskarbowa.pl/pol-terms.html and may download and print them.
3. To use the Store, it is necessary to have a computer or another similar device connected to the Internet, equipped with a web browser.
4. If any provision of these Terms and Conditions is declared invalid by a final court decision, the remaining provisions shall remain in force, unless applicable legal provisions provide otherwise.
5. In matters not regulated by these Terms and Conditions, the provisions of the Act of April 23, 1964, the Civil Code (Journal of Laws 1964, No. 16, item 93, as amended), the Act of May 30, 2014, on Consumer Rights (Journal of Laws 2014, item 827, as amended), the Act of July 18, 2002, on the Provision of Electronic Services (Journal of Laws 2019, item 123, as amended), the Act of July 27, 2002, Foreign Exchange Law (Journal of Laws 2022, item 309, as amended), and other relevant applicable legal provisions shall apply.
6. The Terms and Conditions may be amended for important technical, legal, or organizational reasons. The Seller will inform Clients of any changes. The amendment of the Terms and Conditions will not apply to sales contracts for Goods concluded before the effective date of the amendments resulting from the Terms and Conditions.
7. All disputes arising between the Seller and the Client who is an Entrepreneur shall be submitted to the court having jurisdiction over the Seller’s registered office.
8. The applicable law is Polish law. However, a Client who is a consumer retains certain rights and claims against the Seller provided for by the law of their country of origin.

A User who does not accept the new content of the Terms and Conditions is obliged to notify the Seller of this fact within 14 days from the date of being informed about the change of the Terms and Conditions, to the address biuro@mennicaskarbowa.pl. The Terms and Conditions applicable to existing users can be found at the link: https://www.mennicaskarbowa.pl/Regulamin-do-21-07-2023-cterms-pol-115.html