Terms of Service

These Terms are the rules for providing services by electronic means within the meaning of Article 8 of the Polish Act of 18 July 2002 on the provision of services by electronic means. The Polish-language version is the binding version; this English text is a translation provided for convenience.

1. Who we are

CramDeck is operated by:

JMS Sieracki sp. z o.o.
ul. ks. Pawła Pośpiecha 3A/7, 41-800 Zabrze, Poland
Registered with the National Court Register (KRS) under number 0001197364 by the District Court in Gliwice, 10th Commercial Division of the National Court Register
NIP: PL6482767937 · REGON: 243188484 · Share capital: PLN 5,000.00
Email: hello@cramdeck.com
Phone: +48 604 550 335

We refer to ourselves as "we" or "CramDeck", and to you as "you" or "the User".

CramDeck is the sole seller of all paid content available in the Service. We do not operate a marketplace and no third party sells goods or services through CramDeck.

2. Definitions

• Service — the CramDeck website and web application, and all functions available through them.
• Account — your individual account in the Service.
• Deck — a set of flashcards created in the Service, with visibility set to public, unlisted or private.
• User Content — anything you create, upload or publish in the Service.
• Consumer — a natural person entering into a contract for purposes not connected with their trade or profession, and a sole trader entering into a contract of a non-professional character within the meaning of Article 385(5) of the Civil Code.
• Paid Services — the Regular subscription, AI credit packs and individually purchased Decks.

3. Types and scope of services

We provide the following services by electronic means:

Free public Decks are available without registration. We may add, change or discontinue individual functions; if a change materially reduces what a Paid Service offers, section 16 applies.

4. Technical requirements

To use the Service you need:

• a device with internet access,
• a current version of a widely used web browser (Chrome, Edge, Firefox or Safari) with JavaScript and cookies enabled,
• an active email address for registration,
• for media upload, files in a supported image format within the size limit shown in the creator.

We are not responsible for the Service being unavailable to you because your equipment or connection does not meet these requirements.

5. Conclusion and termination of the contract

The contract for maintaining an Account is concluded when you complete registration and accept these Terms, and is entered into for an indefinite period.

You may terminate it at any time and without giving reasons by deleting your Account in Profile → Danger zone. Deletion begins a 14-day grace period during which signing in restores the Account. After that, your Account and its content are permanently deleted, as described in the Privacy Policy.

Deleting your Account also cancels any active subscription with effect from the end of the current billing period. No further renewal charges are made. If you prefer to keep the Account but stop paying, cancel the subscription separately in the billing portal.

We may terminate the contract with 14 days' notice if you materially breach these Terms, and we may suspend the Account with immediate effect where necessary to prevent an ongoing breach, protect other users or comply with a legal obligation. We will tell you the reason and how to appeal, as described in section 8.

6. Age, and users under 18

You must be at least 13 years old to use the Service.

If you are under 18, you may use the Service only with the consent of a parent or guardian, which we ask you to confirm during registration. If you are under 16, we do not process your data on the basis of consent at all, which means we do not use analytics or advertising cookies for your Account and you may not use AI features powered by OpenAI.

Users under 18 may not purchase Paid Services without the consent of a parent or guardian, because under Article 17 of the Polish Civil Code a person with limited capacity to act needs their statutory representative's consent for that type of contract. We may require confirmation of that consent, and we may cancel and refund a purchase made without it.

7. Your content and the rules for it

You keep ownership of your User Content. You grant us a non-exclusive, worldwide, royalty-free licence to store, reproduce, adapt in a technical sense (such as resizing images), and display your User Content, for as long as you keep it in the Service and only to the extent needed to operate the Service and provide the functions you use, including publishing it if you choose to make a Deck public and delivering it to integrations you have authorised. The licence ends when you delete the content or your Account, save for copies that other users lawfully made while the content was public.

You must not supply unlawful content. In particular, you must not publish or upload content that:

• infringes copyright, trade marks or other third-party rights,
• contains personal data of other people without a legal basis,
• constitutes a criminal offence, incites one, or promotes terrorism,
• constitutes hate speech, harassment, threats or defamation,
• is sexual content involving minors, or any sexual content presented to minors,
• constitutes child sexual abuse material,
• contains malware, phishing or unauthorised advertising,
• contains payment card numbers, government identifiers, credentials, or health data identifying a real person.

The full list, and what happens after a report, is in the Content Policy.

8. Moderation, reporting illegal content, and appeals

This section implements Articles 14, 16 and 17 of Regulation (EU) 2022/2065 (the Digital Services Act).

How we moderate. We do not monitor all content proactively. Text produced by the AI deck wizard is screened automatically for harmful content before it is saved and may be withheld. Other content is reviewed when someone reports it or when we become aware of it otherwise. Decisions to remove content, restrict its visibility or suspend an Account are taken by a person, with automated tools used only to prioritise and triage.

How to report. Anyone can report content they consider illegal, using the report function on a public Deck or profile, or by writing to hello@cramdeck.com. Tell us what the content is, where it is, and why you consider it illegal. We confirm receipt without undue delay.

What we do. We assess reports diligently, without arbitrary decisions, and act in a timely manner. We may remove the content, restrict its visibility, restrict or suspend the Account, or reject the report.

Statement of reasons. If we restrict your content or Account, we tell you what we did, the facts we relied on, whether automated tools were involved, the legal or contractual ground, and how to appeal.

Appeal. You may object to any moderation decision within 6 months by writing to hello@cramdeck.com with "Appeal" in the subject. A person who did not take the original decision reviews it, and we answer within 14 days. This is free of charge and does not affect your right to go to court.

Contact points. For users, and for authorities under Articles 11 and 12 of the Digital Services Act, the contact address is hello@cramdeck.com. We accept communications in Polish and English. In Poland, the President of the Office of Electronic Communications (UKE) currently performs a temporary and limited Digital Services Coordinator function under the transitional Polish arrangement; see UKE's current status page for the scope of that mandate.

Misuse. We may suspend, after a warning, the handling of reports from anyone who repeatedly submits manifestly unfounded reports.

9. AI features

In-product AI deck wizard (Azure OpenAI). The AI deck wizard generates flashcard suggestions from the material you provide. When you use it you are interacting with an artificial intelligence system, and we tell you so in the interface, as required by Article 50 of Regulation (EU) 2024/1689 (the AI Act). Cards created this way are labelled as AI-generated, and we preserve machine-readable provenance markers where the product records them.

AI output can be inaccurate, incomplete or misleading. You are responsible for checking it before you rely on it for study and before you publish it. We give no guarantee that generated content is correct, current, or free of third-party rights.

Use of the wizard consumes AI credits or requires the Regular plan, as shown in the product. Details of what is sent to Microsoft, and for how long it is kept, are in the Privacy Policy.

OpenAI and the ChatGPT plugin. If you connect your Account to OpenAI's ChatGPT via our OAuth integration, OpenAI operates as an independent controller of the data you exchange with it, under its own terms and privacy policy. OpenAI is not a processor or subprocessor acting on our behalf.

The plugin uses four scopes (decks:read, decks:write, reviews:read, reviews:write) and the current ten tools described at /docs/chatgpt-plugin. Deck content authored or generated in ChatGPT and then saved to CramDeck is a separate AI path from the Azure OpenAI wizard: generation happens in ChatGPT; CramDeck stores and renders the cards you choose to save. New decks created through the plugin are private. The plugin does not sell subscriptions, AI credits or paid decks, start checkout, or promote upgrades — Paid Services remain available only on the CramDeck website outside the plugin workflow.

10. Paid Services

What we sell. The Regular subscription (monthly or yearly), AI credit packs, and individual paid Decks. Prices are shown in the product, include VAT where applicable, and are stated in the currency shown at checkout.

How the contract is concluded. Selecting a Paid Service and confirming payment is an offer. The contract is concluded when the payment is confirmed and we make the service available. You receive a confirmation on a durable medium (email sent via Azure Communication Services, plus a downloadable copy in your account).

Payment. Payments are processed by Stripe Payments Europe, Ltd. We do not receive or store your card number. Invoices and receipts are available through Stripe.

Subscription renewal. The Regular subscription renews automatically for successive periods at the price in force, until you cancel. You may cancel at any time with effect from the end of the current billing period, in the billing portal linked in Profile → Purchases & plan. Cancelling stops future charges; it does not refund the current period, subject to section 11.

Price changes. We will tell you at least 30 days before a price change takes effect. If you do not accept it, cancel before the change takes effect and the current price applies until the end of that period.

Credits and purchased Decks. AI credits do not expire while your Account exists, have no cash value, and are not transferable.

Licence for a purchased Deck (Model 2). When you buy a Deck:

• you receive a personal, non-transferable licence to study and export that Deck for your own use while your Account exists and while we continue to make that Deck available in the Service;
• offline export (where the product offers it) remains yours to keep for personal study; republishing or reselling the Deck is not permitted unless we say otherwise in writing;
• we may withdraw a Deck from sale or from your library for legal reasons (for example a third-party rights claim or a mandatory order); if we do, existing purchasers receive a proportionate refund or a replacement where reasonably available, as described in Withdrawal and refunds;
• paid-deck checkout always requires both early-supply statements; access is granted immediately — there is no delayed-supply purchase path for that SKU.

11. Right of withdrawal for Consumers

If you are a Consumer, you may withdraw from a contract concluded at a distance within 14 days without giving a reason, under Article 27 of the Act of 30 May 2014 on Consumer Rights. The rules differ by product — see Withdrawal and refunds for the full text, model form, and checkout statements.

In short:

• Regular subscription (continuous digital service). Requesting early start does not remove the 14-day right. If you withdraw within 14 days, you pay a proportionate amount for the service supplied until withdrawal and we refund the remainder.
• AI credits. Within 14 days we refund unused credits and settle used credits proportionately. Using the first credit does not extinguish the right for the whole pack.
• Paid Deck (digital content — Model 2). Both early-supply statements are required at checkout; access is immediate. The right of withdrawal ends once supply has begun only if the statutory conditions for digital content (including durable-medium confirmation) are met. There is no delayed-supply checkout path.

We refund within 14 days of receiving your withdrawal statement, using the same payment method.

12. Conformity of digital content, and complaints

We are liable to Consumers for the conformity of digital content and digital services with the contract, under Chapter 5b of the Act on Consumer Rights (Articles 43h–43q). If the Service does not conform, you may demand that it be brought into conformity, and if we refuse, or fail to do so within a reasonable time and without undue inconvenience to you, you may make a price-reduction statement or withdraw from the contract on the terms set out in those provisions.

Complaints procedure. Submit a complaint to hello@cramdeck.com or to our postal address. Tell us what the problem is, when it occurred, your Account email, and what you expect. We answer within 14 days of receiving the complaint. If you are a Consumer and we do not answer within that period, the complaint is deemed accepted.

13. Out-of-court dispute resolution

We do not undertake to use, and are not obliged to use, any out-of-court body for resolving consumer disputes within the meaning of the Act of 23 September 2016 on out-of-court resolution of consumer disputes.

You may nonetheless seek help from the Provincial Inspectorate of Trade Inspection (Wojewódzki Inspektorat Inspekcji Handlowej), from a municipal or district consumer ombudsman, or from the UOKiK consumer helpline at 801 440 220 or 22 290 89 16. Information for consumers is available at uokik.gov.pl.

The European Online Dispute Resolution platform was discontinued on 20 July 2025 and is no longer available.

14. Our intellectual property

CramDeck's name, logo, interface, software and documentation belong to JMS Sieracki sp. z o.o. or its licensors. These Terms do not transfer any of those rights to you. You may use the Service only as described here. You may not copy the software, decompile it except as permitted by mandatory law, or use our branding without written consent.

15. Liability

We provide the Service with due diligence and aim to keep it continuously available, but we do not guarantee uninterrupted or error-free operation. We may carry out maintenance, and where it is planned and likely to be disruptive we will announce it in advance.

If you are a Consumer, our liability is governed by generally applicable law. Nothing in these Terms limits or excludes it, and in particular nothing limits liability for damage caused intentionally, for personal injury, or under the conformity rules in section 12.

If you are not a Consumer, our liability for damage arising from the Service is limited to the fees you paid us in the 12 months preceding the event, we are not liable for lost profits, and we are not liable for losses caused by your failure to keep credentials or integration tokens secure. This limitation does not apply to damage caused intentionally.

We are not liable for User Content, or for how third-party agents you have authorised use the access you granted them.

16. Changes to these Terms

We may change these Terms for a valid reason: a change in law, a court or regulator decision, a change in the scope or manner of providing the Service, a change in prices under section 10, or the need to correct an error or improve security.

We will publish the new version here and notify registered Users at least 14 days before it takes effect, by email or in the application, on a durable medium where the change affects a continuous digital service. If you do not accept the change, you may terminate the contract before it takes effect, at no cost.

Continuous digital services (subscriptions). Where a modification of the digital service has more than a minor negative effect on your access to or use of the subscription, we will inform you clearly of the modification, the reasons for it, and the timing, on a durable medium, and — where required by the Act on Consumer Rights — you may terminate the subscription within the statutory period after that notice without cost beyond what you have already lawfully paid for the period used. Continued use after the effective date counts as acceptance only where we told you so in the notice, gave you the option to terminate, and allowed at least 14 days for you to do so.

17. Governing law and jurisdiction

These Terms are governed by Polish law. If you are a Consumer resident in the EU or EEA, this choice does not deprive you of the protection of mandatory provisions of the law of your country of habitual residence.

Disputes with Consumers are subject to the courts having jurisdiction under generally applicable law, which includes the courts of your place of residence. Disputes with Users who are not Consumers are subject to the courts having jurisdiction over our registered seat.

18. Final provisions

If a provision of these Terms is found invalid, the remainder stays in force. These Terms are available free of charge at /terms in a form that allows you to download, reproduce and store them.

19. Contact

JMS Sieracki sp. z o.o.
ul. ks. Pawła Pośpiecha 3A/7, 41-800 Zabrze, Poland
Email: hello@cramdeck.com
Phone: +48 604 550 335
KRS 0001197364 · NIP PL6482767937 · REGON 243188484

Related documents: Privacy Policy · Cookie Policy · Content Policy · Withdrawal and refunds · Data recipients · Legal notice