Terms and conditions for the provision of crypto-asset services
December 29, 2025
1. DEFINITIONS
1.1. Application – a mobile application, including the Mobilum Pay application or another partner application, through which the Customer gains access to crypto-asset services provided by NWA.
1.2. Blockchain – a decentralized, distributed ICT infrastructure (register) enabling the recording and verification of transactions involving crypto assets, operating independently of NWA.
1.3. Business Day – a day from Monday to Friday, excluding public holidays in the territory of the Republic of Poland.
1.4. Client - a natural person, legal person or organizational unit without legal personality, having legal capacity, who has concluded an Agreement with NWA.
1.5. Conversion - a transaction consisting in the exchange of fiat currency for cryptoassets or cryptoassets for fiat currency, carried out as part of the services provided by NWA.
1.6. Cryptoassets (Virtual currencies) - a digital representation of value within the meaning of Article 2(2)(26) of the Act of March 1, 2018, on counteracting money laundering and terrorist financing, which is not: (a) a legal tender issued by the National Bank of Poland or another central bank, (b) electronic money, (c) a financial instrument.
1.7. Crypto Wallet – maintained by NWA, in a custodial model, a set of blockchain addresses assigned to the Customer, enabling the storage, receipt, and sending of crypto assets as part of the services.
1.8. Customer Payment Account - a payment account maintained for the Customer by an authorized payment institution, to which funds obtained as a result of the conversion of crypto assets into fiat currency are transferred.
1.9. Terms and Conditions - these terms and conditions for the provision of cryptoasset services by NWA.
1.10. Crypto Transfer - a transaction consisting in sending crypto assets from or to a Crypto Wallet, recorded in the blockchain network.
1.11. Crypto Transaction - an action performed by the Customer as part of the services, including in particular Conversion, Crypto Transfer, or other operations on crypto assets.
1.12. Travel Rule - identification and information obligations relating to cryptoasset transfers, resulting from generally applicable law, in particular anti-money laundering and counter-terrorist financing regulations.
1.13. Agreement - an agreement for the provision of crypto asset services concluded between the Customer and NWA on the terms and conditions set out in the Terms and Conditions.
1.14. Services - services related to the storage of crypto assets, Conversion, Crypto Transfers, and other activities specified in the Terms and Conditions, provided by NWA to Clients.
1.15. Fiat currency - legal tender issued by a central bank, approved by NWA for Conversion.
1.16. NWA - N.W.A limited liability company with its registered office in Warsaw, Plac Powstańców Warszawy 2, 00-030 Warsaw, Poland, entered in the Register of Entrepreneurs of the National Court Register under KRS number 0001137667, with NIP/VAT number: PL9571181011, REGON: 54016360000000, entered in the register of virtual currency activities as a Virtual Asset Service Provider under number RDWW-1801, being the provider of the Services
2. SUBJECT OF THE AGREEMENT AND PRELIMINARY PROVISIONS
2.1. The Terms and Conditions define the rules and conditions for the provision of crypto-asset services by NWA to its Customers, in particular the storage, purchase, sale, conversion, and transfer of crypto-assets, as well as the rights and obligations of the Parties related to the use of these services.
3. APPLICATION AND SERVICES PROVIDED ELECTRONICALLY
2.2. NWA provides Services as an entity entered in the register of virtual currency activities, maintained pursuant to the provisions of the Act on Counteracting Money Laundering and Terrorist Financing, operating in accordance with the law of the Republic of Poland.
2.3. The services provided by NWA:
2.3.1. do not constitute banking services within the meaning of the Banking Law;
2.3.2. do not constitute payment services within the meaning of the Payment Services Act;
2.3.3. do not constitute investment services or investment advice.
2.4. NWA does not provide Clients with investment recommendations or advice on the acquisition, disposal, or possession of crypto assets. Decisions made by the Client in connection with the use of the Services are independent and are made at their own risk, subject to the liability of NWA specified in the Terms and Conditions and generally applicable law.
2.5. The Terms and Conditions are separate from the Terms and Conditions of the Application and other terms and conditions relating to services provided by third parties. Acceptance of the Terms and Conditions is a prerequisite for using the Services.
2.6. The Services are provided electronically within the meaning of the Act of July 18, 2002, on the provision of electronic services.
2.7. The conditions for using the Services are:
2.7.1. the Customer has a device that meets the minimum technical requirements specified in the Application;
2.7.2. access to the Internet;
2.7.3. conclusion of the Agreement and fulfillment of the requirements for verification of the Customer's identity, resulting from legal provisions.
2.8. The Terms and Conditions are made available to the Customer free of charge prior to the conclusion of the Agreement, in a form that allows them to be obtained, reproduced, and recorded.
2.9. In matters not covered by the Terms and Conditions, the provisions of generally applicable law shall apply, in particular the Civil Code, the Consumer Rights Act, and the Act on Counteracting Money Laundering and Terrorism Financing.
3.1. The services provided by NWA are services provided electronically within the meaning of the Act of July 18, 2002, on the provision of electronic services and are performed through the Application.
4. SCOPE OF CRYPTOASSET SERVICES PROVIDED BY NWA
3.2. The Application enables the Customer, in particular, to:
3.2.1. access information about the Crypto Wallet;
3.2.2. submit instructions for Crypto Transactions, including Conversions and Crypto Transfers;
3.2.3. review the history of Crypto Transactions;
3.2.4. access legal documents, including the Terms and Conditions.
3.3. Access to the Application and use of the Services is possible after meeting the conditions specified in the Terms and Conditions, in particular after concluding the Agreement and successfully completing KYC/AML verification.
3.4. NWA informs that the proper use of the Application requires meeting the minimum technical requirements specified in the Application or on the NWA website.
3.5. The Customer is obliged to use the Application and Services in accordance with their intended purpose, the Terms and Conditions, and generally applicable law.
3.6. The materials, content, and technical solutions made available in the Application are subject to legal protection, in particular under copyright and industrial property law.
3.7. NWA may introduce changes to the functionality of the Application, provided that such changes do not violate the acquired rights of Customers and do not affect the scope of Services provided under the concluded Agreement.
4.1. NWA may provide cryptoasset services to Customers, including in particular:
5. CONCLUSION OF THE AGREEMENT AND VERIFICATION
4.1.1. storage of crypto assets in the Crypto Wallet (custody);
4.1.2. purchase of crypto assets for fiat currencies (buy);
4.1.3. disposal of crypto assets in exchange for fiat currencies (sell);
4.1.4. exchange of crypto assets between each other (swap);
4.1.5. Conversion of crypto assets within the Application;
4.1.6. Crypto transfers to external blockchain wallets;
4.1.7. transfer of funds obtained as a result of Conversion to the Customer's Payment Account.
4.2. The services are provided exclusively in relation to crypto assets and fiat currencies made available by NWA in the Application.
4.3. As part of the provision of crypto asset storage services, NWA maintains a Crypto Wallet in a custodial model, which means that the Customer's crypto assets are stored and managed by NWA on behalf of the Customer.
4.4. NWA provides the Customer with access to information about the status of the Crypto Wallet and the history of Crypto Transactions via the Application.
4.5. Cryptoasset conversions are carried out on the basis of the Customer's instructions submitted via the Application, using the exchange rates applicable at the time of the Crypto Transaction, in accordance with the rules set out in the Terms and Conditions.
4.6. In the case of conversion of crypto assets into fiat currencies, the funds obtained as a result of the conversion are transferred by NWA to the Client's Payment Account, in particular for the purpose of crediting the payment account linked to the payment card made available to the Client within the Application.
4.7. Crypto transfers are carried out on the blockchain network appropriate for a given crypto asset, taking into account the rules resulting from legal regulations, including obligations related to the Travel Rule.
4.8. NWA may refuse to perform Services or individual Crypto Transactions in cases provided for in the Terms and Conditions or legal regulations, in particular in the event of a suspected violation of anti-money laundering and counter-terrorist financing regulations.
4.9. Individual Services or their components will be made available to Clients on a phased basis, and the ability to use a given Service arises at the moment it is made available in the Application.
5.1. The agreement for the provision of Services is concluded between the Customer and NWA in electronic form, upon acceptance of the Terms and Conditions by the Customer via the Application and fulfillment of the conditions specified in the Terms and Conditions.
6. CUSTOMER'S CRYPTO WALLET
5.2. The Agreement may be concluded by a Customer with legal capacity, subject to the conditions specified in the Terms and Conditions and legal regulations.
5.3. Prior to the conclusion of the Agreement, as well as during its term, NWA applies financial security measures, including Customer identification and verification procedures (KYC), in accordance with the provisions of the Act on Counteracting Money Laundering and Terrorist Financing.
5.4. The Customer is obliged to provide true, complete, and up-to-date data and documents necessary to carry out KYC/AML verification, as well as to update them during the term of the Agreement.
5.5. NWA is entitled to use the services of third parties in the performance of its KYC/AML obligations, provided that such third parties act on behalf of NWA and within the limits of applicable law.
5.6. NWA may refuse to conclude the Agreement or suspend the provision of Services in the event of:
5.6.1. a negative KYC/AML verification result;
5.6.2. the Customer fails to provide the required information or documents;
5.6.3. there is a reasonable suspicion of a violation of the law;
5.6.4. other circumstances provided for by law.
5.7. NWA shall inform the Customer of its refusal to conclude the Agreement or suspend the provision of Services in a manner that allows the Customer to become familiar with this information, subject to the restrictions resulting from the provisions of law.
5.8. Upon conclusion of the Agreement, the Customer shall gain access to the Services to the extent specified in the Terms and Conditions, subject to the fulfillment of technical and regulatory conditions.
6.1. As part of the provision of Services, NWA creates and maintains a Crypto Wallet for the Customer in a custodial model, assigned individually to a given Customer.
7. CRYPTO TRANSACTIONS AND CONVERSIONS
6.2. The Crypto Wallet is used to store, receive, and send crypto assets covered by NWA's offer, in accordance with the rules set out in the Terms and Conditions.
6.3. The Customer obtains access to information about the status of the Crypto Wallet, the history of Crypto Transactions, and the addresses of the Crypto Wallet through the Application.
6.4. NWA ensures the use of appropriate technical and organizational measures to protect crypto assets stored in Crypto Wallets, in accordance with applicable law and security standards.
6.5. The Customer is obliged to exercise due diligence in using the Application, in particular to secure access data and to verify the Crypto Wallet addresses each time before making a Crypto Transfer.
6.6. NWA may temporarily block access to the Crypto Wallet in the event of:
6.6.1. suspicion of unauthorized access or security breach;
6.6.2. the need to fulfill obligations under the law, in particular in the area of anti-money laundering and counter-terrorist financing;
6.6.3. the Customer violates the provisions of the Terms and Conditions;
6.6.4. at the request of authorized authorities.
6.7. NWA shall inform the Customer about the blocking of access to the Crypto Wallet and its reasons in a manner that allows the Customer to become familiar with this information, subject to the restrictions resulting from legal regulations.
6.8. The blocking of access to the Crypto Wallet is temporary and lasts until the reasons for its application cease to exist or until the Agreement is terminated.
7.1. The Customer submits instructions for Crypto Transactions, including Conversions and Crypto Transfers, via the Application, in accordance with the available functionalities.
8. CRYPTO TRANSFERS AND TRAVEL RULE
7.2. Submitting a Crypto Transaction instruction requires confirmation by the Customer in the manner provided for in the Application. Upon confirmation, the instruction is considered submitted. If the Application generates an individual blockchain address for the Customer for the purpose of performing a specific Service, sending crypto assets to that address is tantamount to the Customer submitting an instruction to perform that Service, in accordance with the information presented in the Application.
7.3. NWA may establish minimum or maximum thresholds (limits) applicable to specific Services or Crypto Transactions, in particular with respect to conversions, crypto-asset transfers or funding of the Client’s payment account. Such thresholds may depend, in particular, on the type of Service, the type of crypto-assets, the Client’s verification level, applicable legal requirements or technical and operational conditions. The currently applicable thresholds are displayed to the Client in the Application each time prior to submitting a Crypto Transaction instruction.
7.4. As part of the provision of Services, cryptoasset conversions may be performed using market mechanisms specific to the cryptoasset market, including through external liquidity sources.
7.5. Upon execution of a Crypto Transaction, the service covered by the Customer's instruction is performed. Once a Crypto Transaction has been executed, it cannot be reversed or changed, subject to mandatory provisions of law.
7.6. NWA is responsible for the correct acceptance and transmission of Crypto Transaction instructions in accordance with the Terms and Conditions, although the outcome of a Crypto Transaction may depend on market factors beyond NWA's direct control.
7.7. NWA may refuse to execute or suspend a Crypto Transaction in cases provided for in the Terms and Conditions or legal provisions, in particular in the event of a suspected violation of AML regulations or obligations under the Travel Rule.
8.1. Crypto Transfers are executed on the basis of Customer instructions submitted via the Application, in accordance with the functionalities provided by NWA.
9. RISKS RELATED TO CRYPTO ASSETS
8.2. The Customer is obliged to provide correct, complete, and up-to-date data concerning the recipient of the Crypto Transfer, to the extent required by applicable law, including obligations under the Travel Rule.
8.3. The Customer is responsible for the correctness of the data of the recipient of the Crypto Transfer, in particular the blockchain address.
8.4. NWA is entitled to verify the data provided by the Customer in connection with the Crypto Transfer and to request additional information or documents if required by law.
8.5. NWA may refuse to execute or suspend a Crypto Transfer in the event of:
8.5.1. the Customer fails to provide the required data or information;
8.5.2. a negative result of verification under the Travel Rule;
8.5.3. suspicion of a violation of the law, in particular AML regulations;
8.5.4. requests from authorized authorities.
8.6. Crypto Transfers are executed in the blockchain network appropriate for a given crypto asset. NWA has no influence on the functioning of the blockchain network or on the time of confirmation of a Crypto Transfer by that network.
8.7. NWA informs the Customer about the status of the Crypto Transfer to the extent resulting from the functionality of the Application.
9.1. The Customer acknowledges that crypto assets are assets with an increased level of risk and that the use of the Services involves the possibility of financial losses.
9.2. Price volatility risk. The value of crypto assets may be subject to significant and sudden changes, both in the short and long term. Price volatility may lead to the loss of some or all of the funds invested by the Customer.
9.3. Technological and operational risk. The use of crypto assets is based on information technologies, including blockchain networks, which may be subject to failures, delays, errors, or other disruptions. The occurrence of such events may affect the execution of Crypto Transactions.
9.4. Blockchain network risk. Transactions executed on the blockchain network are generally irreversible once confirmed by the network. Incorrect recipient address or other irregularities may result in the irreversible loss of crypto assets.
9.5. Regulatory risk. Laws governing crypto assets are subject to change. Regulatory changes may affect the scope, manner, or terms of the Services and, in extreme cases, may lead to the restriction or discontinuation of certain Services.
9.6. No guarantee of value. Crypto assets are not covered by deposit guarantee schemes or other mechanisms for the protection of funds provided for banking or financial products.
9.7. The risk information contained in the Terms and Conditions is for informational purposes only and does not cover all possible risks associated with crypto assets. The Customer is required to independently assess the risks before deciding to use the Services.
10. FEES AND COMMISSIONS
10.1. The use of the Services may involve the Customer's obligation to pay fees and commissions to NWA.
10.2. The Customer is informed about the applicable fees and commissions before submitting a Crypto Transaction order, to the extent resulting from the functionality of the Application.
10.3. Fees and commissions may be charged in particular:
10.3.1. in fiat currency
10.3.2. in crypto assets;
10.3.3. by including them in the Conversion rate (spread).
10.4. The moment of charging fees and commissions depends on the type of Service or Crypto Transaction.
11. NWA'S OBLIGATIONS
11.1. NWA undertakes to provide the Services with due diligence, in accordance with the Terms and Conditions, generally applicable law, and taking into account the nature and specificity of crypto assets.
11.2. NWA provides the Customer with access to the Services to the extent and under the conditions specified in the Terms and Conditions, subject to restrictions resulting from legal provisions, technical or regulatory reasons.
11.3. NWA undertakes to inform the Customer about significant circumstances relating to the provision of the Services, in particular about changes to the Terms and Conditions or the functionality of the Application, in the manner and within the time limits specified in the Terms and Conditions.
11.4. NWA shall apply technical and organizational measures to protect Customer data and crypto assets stored in Crypto Wallets, in accordance with applicable law.
11.5. NWA fulfills its obligations under anti-money laundering and counter-terrorist financing regulations, including identification obligations, monitoring of Crypto Transactions, and application of the Travel Rule.
11.6. NWA provides the Customer with the possibility to submit complaints regarding the Services on the terms specified in the Terms and Conditions.
12. CUSTOMER OBLIGATIONS
12.1. The Customer is obliged to use the Services and the Application in accordance with the Terms and Conditions, their intended purpose, and generally applicable law.
12.2. The Customer is obliged to provide true, complete, and up-to-date data and to update it immediately, in particular the data required under KYC/AML and Travel Rule procedures.
12.3. The Customer is responsible for maintaining the confidentiality of their access data to the Application and for any actions taken using their access data, unless otherwise provided by mandatory provisions of law.
12.4. The Customer is obliged to verify the details of each Crypto Transaction before confirming it, in particular the exchange rate, fees, and the address of the recipient of the Crypto Transfer.
12.5. The Customer is obliged to immediately inform NWA about:
12.5.1. suspicion of unauthorized access to the Application or Crypto Wallet;
12.5.2. loss of control over access data;
12.5.3. other events that may affect the security of using the Services.
12.6. The Customer is obliged to refrain from using the Services in a manner contrary to the law, the Terms and Conditions, or good manners, in particular for the purpose of:
12.6.1. violating AML regulations;
12.6.2. finance illegal activities;
12.6.3. violating the rights of third parties.
12.7. The Customer shall be liable for the consequences of actions or omissions contrary to the Terms and Conditions, to the extent permitted by generally applicable law.
12.8. The Customer is solely responsible for ensuring compliance with all applicable laws, regulations, and requirements in their jurisdiction of residence or operation, including but not limited to tax obligations, foreign exchange regulations, sanctions regimes, and any other local legal or regulatory requirements applicable to the use of the Services. NWA shall not be liable for any breach of such obligations by the Customer.
12.9. The Services are intended exclusively for individuals who are at least 18 years of age. Persons under the age of 18 are not permitted to use the Services. By using the Services, the Customer confirms that they are at least 18 years old and have full legal capacity. NWA does not allow the use of the Services by persons under 18 years of age and reserves the right to suspend or terminate access where there is reasonable suspicion that this requirement is not met.
13. LIABILITY
13.1. NWA shall be liable to the Customer for non-performance or improper performance of the Services, in accordance with the provisions of generally applicable law, in particular the Civil Code and the Consumer Rights Act.
13.2. NWA shall not be liable for damages resulting from market risk related to crypto assets, in particular for changes in their market value, provided that the Services have been performed in accordance with the Terms and Conditions and the provisions of law.
13.3. NWA shall not be liable for the consequences of events resulting from the functioning of the blockchain network over which NWA has no control, in particular for delays in the confirmation of Crypto Transactions by the blockchain network, provided that NWA has exercised due diligence in transmitting Crypto Transaction instructions.
13.4. No provision of the Terms and Conditions excludes or limits NWA's liability to the Customer to the extent that such exclusion or limitation would be prohibited under generally applicable law.
13.5. The provisions of the Terms and Conditions do not affect the Customer's rights under mandatory provisions of law, in particular provisions on liability for compliance of performance with the Agreement.
14. COMPLAINTS
14.1. The Customer has the right to submit complaints regarding the Services provided by NWA.
14.2. Complaints may be submitted in particular:
14.2.1. in electronic form via the Application or to the e-mail addresssupport@mobilum.com ;
14.2.2. in writing to the address of NWA's registered office.
14.3. The complaint should include at least:
14.3.1. the Customer's identification details;
14.3.2. a description of the event giving rise to the complaint;
14.3.3. the Customer's request.
14.4. NWA shall consider the complaint immediately, but no later than within 14 days of its receipt.
14.5. The response to the complaint shall be provided to the Customer in a durable medium.
14.6. If NWA does not respond to the consumer's complaint within the time limit referred to in point 14.4, it shall be deemed that NWA has accepted the complaint.
14.7. A Customer who is a consumer has the option of using out-of-court methods of complaint handling and redress. Detailed information on the available out-of-court dispute resolution procedures, including the rules of access to these procedures, is available from the relevant Municipal or District Consumer Ombudsmen and on the website of the Office of Competition and Consumer Protection (https://uokik.gov.pl).
14.8. The use of the complaint procedure does not exclude the Customer's right to pursue claims in court.
15. AMENDMENTS TO THE TERMS AND CONDITIONS
15.1. NWA may amend the Terms and Conditions only for the following important reasons:
15.1.1. a change in the law or its interpretation by the competent authorities;
15.1.2. a change in the scope or manner of providing the Services, including the introduction of new Services or functionalities;
15.1.3. the need to adapt the Terms and Conditions to security requirements, including ICT security;
15.1.4. organizational or technological changes on the part of NWA that affect the manner in which the Services are provided.
15.2. NWA shall inform the Customer of any planned changes to the Terms and Conditions in advance, no less than 14 days before the date of entry into force of the changes, by providing the content of the amended Terms and Conditions on a durable medium.
15.3. Amendments to the Terms and Conditions require the Customer's express acceptance via the Application.
15.4. Failure to accept the amended Terms and Conditions shall result in the inability to continue using the Services after the date indicated by NWA as the date of entry into force of the changes, subject to the Customer's rights under mandatory provisions of law.
15.5. Amendments to the Terms and Conditions shall not affect the rights acquired by the Customer prior to the date of entry into force of such amendments.
16. TERM AND TERMINATION OF THE AGREEMENT
16.1. The Agreement is concluded for an indefinite period.
16.2. The Customer has the right to terminate the Agreement at any time, without giving any reason, with immediate effect, unless otherwise provided by mandatory provisions of law.
16.3. NWA may terminate the Agreement with 14 days' notice for the following important reasons:
16.3.1. violation of the provisions of the Terms and Conditions by the Customer;
16.3.2. violation of the law by the Customer;
16.3.3. inability to continue providing the Services for legal or regulatory reasons; 16.3.4. failure by the Customer to comply with obligations under AML regulations.
16.4. NWA may terminate the Agreement with immediate effect in the event of:
16.4.1. the continued provision of the Services would be contrary to the law or would involve a significant risk of violating those provisions;
16.4.2. gross violation of the provisions of the Terms and Conditions.
16.5. The following shall be considered a gross violation of the Terms and Conditions:
16.5.1. use of the Services in a manner contrary to the law, including anti-money laundering and counter-terrorist financing regulations;
16.5.2. providing false, incomplete, or misleading data as part of KYC/AML procedures;
16.5.3. using the Services for criminal activities or activities aimed at circumventing the law;
16.5.4. persistent or significant violation of the provisions of the Terms and Conditions despite a
prior request to cease such violations;
16.5.5. actions of the Customer that expose NWA to legal or regulatory liability.
16.6. Termination or expiration of the Agreement shall not affect the rights and obligations of the Parties arising prior to the date of termination or expiration of the Agreement.
16.7. In the event of termination of the Agreement, NWA shall enable the Customer to make instructions regarding the crypto assets held in the Crypto Wallet, subject to the restrictions imposed by law.
17. RIGHT TO WITHDRAW FROM THE AGREEMENT
17.1. The Customer has the right to withdraw from a distance Agreement within 14 days of its conclusion, without giving any reason and without incurring any costs, subject to the provisions of this chapter.
17.2. To meet the deadline referred to in point 17.1, it is sufficient to send a statement of withdrawal before its expiry.
17.3. The right to withdraw from the Agreement does not apply to Services that have been fully performed with the express consent of the Customer before the expiry of the deadline for withdrawal from the Agreement, after informing the Customer about the loss of the right of withdrawal, in accordance with Article 38(1) of the Consumer Rights Act.
17.4. In particular, the right of withdrawal does not apply to Crypto Transactions performed at the express request of the Customer before the expiry of the deadline for withdrawal from the Agreement, including Crypto Conversions and Transfers.
17.5. In the event of effective withdrawal from the Agreement, the Agreement shall be deemed not to have been concluded, and the Parties shall be obliged to return the benefits, if possible and not contrary to the provisions of law.
17.6. A template statement of withdrawal from the Agreement is provided in Appendix 2 to the Terms and Conditions.
18. FINAL PROVISIONS
18.1. The Terms and Conditions are subject to the laws of the Republic of Poland. The choice of applicable law does not exclude or limit the protection afforded to the Customer who is a consumer under the mandatory provisions of law applicable to the Customer.
18.2. Any disputes arising from the Agreement or related to its performance may be settled by the competent common courts in accordance with the provisions of generally applicable law.
18.3. The Terms and Conditions are made available to the Customer free of charge via the Application before the conclusion of the Agreement, as well as during its term, in a manner enabling its acquisition, reproduction, and recording.
18.4. The Terms and Conditions may also be made available to the Customer in languages other than Polish. In the event of any discrepancies between the Polish version and the version in another language, the Polish version shall prevail.
18.5. The Terms and Conditions shall enter into force on 1 January 2026 and shall apply to Agreements concluded from that date.
18.6. The appendices to the Terms and Conditions form an integral part thereof.
19. APPENDICES
19.1. Appendix 1 - Model statement of withdrawal from the Agreement
APPENDIX 1
Sample statement of withdrawal from the Agreement
N.W.A spółka z ogarniczoną odpowiedzialnością
Plac Powstańców Warszawy 2, 00-030 Warsaw,
DECLARATION
of withdrawal from the Agreement
I, the undersigned: ......................................................................................................................................
Holder of identity card number and series: ................................................................................................
PESEL number: ........................................................................................................................................
Address and place of residence: ...............................................................................................................
....................................................................................................................................................................
....................................................................................................................................................................
I hereby declare that I withdraw from the Agreement concluded on .........................................................
.....................................................................
Signature