Terms of Service

§1. Definitions

• Provider — the entity named above, providing the RaportAgent service.
• Service — the RaportAgent web application available online.
• User — a person holding an account in the Service.
• Credit — a billing unit; 1 credit = generating 1 report.
• Report — an automatically generated market research document.

§2. Subject of the service

The Service enables the generation of automated market research reports using artificial intelligence models and publicly available internet sources. Reports are informational only and do not constitute investment, legal or tax advice. The User makes decisions at their own risk.

§3. Account and registration

• Creating an account requires providing an email address, setting a password and accepting these Terms.
• A full sample report is available without an account so the User can assess quality before buying.
• The User agrees to provide accurate data and to protect their login credentials.

§4. Credits, payments and receipts

• Credits are purchased in packs, via online payment handled by the operator Stripe.
• Pack prices are shown in the Service in euro (EUR).
• A credit is charged when a research run starts. In the event of a generation error or a report flagged as incomplete, the credit is refunded to the User's account.
• The Provider conducts unregistered business activity (działalność nierejestrowana) and is not a VAT payer. A receipt (proof of purchase) — not a VAT invoice — is issued for every purchase and is available in the User's account panel.
• Money-back guarantee: if the User's first paid report is not useful, the Provider will refund that credit on request sent by email — no questions asked.

§5. Right of withdrawal (digital content)

The service consists in delivering digital content generated on demand. By starting a research run (using a credit), the User requests performance of the service and acknowledges the loss of the right of withdrawal with respect to the generated report, in accordance with applicable consumer-protection law on on-demand digital content. Unused credits may be refundable by contacting the Provider.

§6. Liability and data quality

• Reports rely on external sources whose timeliness and accuracy the Provider does not guarantee. An HTTP 200 status of a source is not a substantive verification of the data.
• The Provider makes efforts to ensure quality. To the extent permitted by law, the Provider's liability for business decisions made by the User on the basis of the reports is excluded. This does NOT exclude or limit liability for damage caused intentionally or by gross negligence, nor any liability that cannot be excluded under mandatory consumer-protection law.

§6a. AI-generated content and responsible use

• AI disclosure (EU AI Act, art. 50). The reports, the scoping copilot and all other analytical output are generated by automated artificial-intelligence systems. When you interact with the copilot you are interacting with an AI, not a human. Every report and export (Markdown / Word / PowerPoint) carries an explicit machine-readable AI-generated marker.
• Human oversight. Output may contain errors, omissions or outdated figures. Before you rely on a report you must review it and independently verify the key facts, numbers and sources. The report is decision-support material, not a substitute for professional judgement or advice.
• Data usage. Your queries, refinements and any uploaded files are transmitted to third-party AI providers (including outside the EEA, under Standard Contractual Clauses) to produce the output. Do not submit confidential information or the personal data of third parties. See the Privacy Policy for the full list of sub-processors and transfer safeguards.
• No training on your data. We do not use your queries, refinements, reports or uploaded files to train our own models, and we do not route your data to AI providers that require opting in to training on customer input — we never use Mistral (La Plateforme / Codestral), OpenCode Zen or similar train-on-input services. You can also record a binding training opt-out in your account.
• No high-risk use. The Service is a general-purpose research tool and is not intended or authorised for high-risk decision-making within the meaning of the AI Act — in particular for automated decisions on health, safety, credit, insurance, employment, education or legal rights. You must not use the output as the sole basis for such decisions.

§7. Prohibited use

It is prohibited to use the Service in a manner inconsistent with the law, to generate content infringing the rights of third parties, or to attempt to disrupt the operation of the Service.

§8. Conformity of digital content and complaints

The Provider is liable to a consumer for the conformity of the digital content (the report) with the contract on the terms set out in the Consumer Rights Act (art. 43h et seq.). A consumer may submit a complaint — in particular regarding non-conformity of a report with the contract — to the Provider's email address (contact@raportagent.com). Complaints are handled within 14 days; if not answered within that period, the complaint is deemed accepted. If a report is not in conformity with the contract, the consumer may demand that it be brought into conformity; and where that is impossible, refused, or fails, the consumer may make a declaration of price reduction or withdrawal from the contract, on the terms of the Consumer Rights Act.

§9. Changes to the Terms

The Provider may change these Terms for important reasons, informing Users in advance. Continued use of the Service after a change constitutes acceptance of the new version.

§10. Governing law and jurisdiction

These Terms are governed by Polish law. This choice of law does not deprive a consumer of the protection afforded by the mandatory provisions of the law of their country of habitual residence (Art. 6 of the Rome I Regulation). Disputes are subject to the courts having jurisdiction under applicable law; for a consumer, the courts of their place of residence. The Privacy Policy forms an integral part of these Terms.

§11. Out-of-court dispute resolution (ADR)

A consumer may use out-of-court methods of handling complaints and pursuing claims. In Poland these include the provincial inspectorates of the Trade Inspection (Wojewódzki Inspektorat Inspekcji Handlowej) and the municipal/district consumer ombudsman (miejski/powiatowy rzecznik konsumentów). Use of ADR is voluntary and requires the consent of both parties.