Terms of Service

Freya is a web-based tax calculator and bookkeeping tool designed for sole proprietors (jednoosobowa działalność gospodarcza, "JDG") operating in Poland. The service provides:

• Monthly tax and ZUS contribution calculations for ryczałt, skala podatkowa, and podatek liniowy.
• Invoice generation with PDF export.
• Expense tracking and categorization.
• Payment deadline reminders via email.
• Annual report generation and CSV export.
• AI-assisted chat (powered by Anthropic Claude) for product help and general tax questions — not personalised advice.

Specifically:

• Freya calculations are estimates based on the information you provide and current tax law as we understand it.
• Tax laws change frequently. While we update our data sources regularly, there may be a delay between a law change and our update.
• Your individual tax situation may involve complexities not covered by Freya (e.g., multiple income sources, foreign income, special deductions).
• You should consult a qualified tax advisor (doradca podatkowy) or accountant (biuro rachunkowe) for binding tax advice.
• Freya is not liable for any penalties, interest, or financial losses resulting from incorrect tax filings based on its calculations.
• AI chat responses are generated by an automated model and may be inaccurate. Always verify with the calculator or your accountant before acting.

• You sign in using your Google account. Freya does not store passwords.
• You are responsible for maintaining the security of your Google account.
• Each Google account creates one Freya profile linked to one business (JDG).
• You must provide accurate business information (NIP, tax form, ZUS status) for calculations to be correct.
• You may not use the service for illegal purposes or to generate fraudulent invoices.
• We reserve the right to suspend or terminate accounts that violate these terms.

Freya is provided on an "as is" and "as available" basis. We aim for high availability but do not guarantee uninterrupted access.

• Planned maintenance will be communicated in advance when possible.
• We are not liable for any losses caused by service downtime.
• Paid plans are available alongside a free tier. Pricing and plan terms are stated at checkout; we reserve the right to change pricing with reasonable advance notice.

• The Freya application, its design, code, and branding are the intellectual property of Ihor Shaposhnyk.
• Your data (invoices, expenses, business information) remains your property at all times.
• You grant Freya a limited license to process your data solely to provide the service.
• Generated PDF invoices are your business documents — Freya claims no ownership over them.

To the maximum extent permitted by applicable law:

• Freya and its operator shall not be liable for any indirect, incidental, special, or consequential damages.
• Our total liability for any claim related to the service shall not exceed the amount you paid for the service in the 12 months preceding the claim.
• We are not liable for any tax penalties, interest, or additional assessments that result from reliance on Freya calculations or AI chat answers.

• You may stop using Freya at any time by simply not logging in.
• To delete your account and all associated data, send a request to shaposhnik.mcd@gmail.com. We will process it within 30 days.
• We may terminate your access if you violate these terms, with or without prior notice.
• Upon termination, your data will be handled according to our Privacy Policy.

These Terms are governed by and construed in accordance with the laws of the Republic of Poland. Any disputes shall be resolved by the competent courts in Krakow, Poland, subject to mandatory consumer protection rules that may apply in your jurisdiction.

We may update these Terms from time to time. The latest version is always available at this URL. Material changes will be communicated via email to registered users at least 14 days before taking effect.

Last updated · May 20, 2026

Every Freya user has the right to submit a complaint about the service, support quality, or platform operation. Complaints are handled in accordance with the EU Digital Services Act (DSA, Regulation 2022/2065).

Where to file: send complaints to shaposhnik.mcd@gmail.com.

What to include: account ID (login email), description of the issue, expected resolution, and — if available — the date and context of the incident.

Response time: we reply to every complaint within 30 days of receipt. In particularly complex cases we reserve the right to extend this period with appropriate justification.

Escalation: if the outcome is unsatisfactory, you may refer the dispute to the Polish Financial Ombudsman (rf.gov.pl) or use alternative dispute resolution (ADR) — the register of authorised entities is kept by UOKiK (polubowne.uokik.gov.pl).