Informational translation. This document is a translation provided for the convenience of English-speaking users. In the event of any discrepancies, the Polish version of the Terms and Conditions, available at /regulamin, shall prevail.

tippin' Service Terms and Conditions

I. General Provisions

These Terms and Conditions govern the provision of electronic services by the tippin' service (hereinafter: "Service" or "tippin'").
The owner and operator of the Service is Houda Tomasz Watras with registered office in Katowice, at ul. Żelazna 2, 40-851 Katowice, NIP 6292324622, REGON 521571765, conducting business activity in the form of individual business activity (hereinafter: "Operator").
The tippin' service is a technological platform (software) enabling electronic tipping for service providers in the gastronomy, beauty, internet content creators, and other sectors where tips may be received as part of work.

The Operator acts solely as a software provider and does not provide payment services within the meaning of the Polish Payment Services Act of August 19, 2011. In particular, the Operator:
- does not accept funds from Clients,
- does not store Users' funds,
- does not transfer or mediate in the transfer of funds between Clients and Users,
- does not maintain payment accounts,
- does not have access to funds held in Users' Stripe accounts.
The sole entity providing payment services within the Service is Stripe Technology Europe Ltd. (hereinafter: "Stripe"). Funds paid by Clients are transferred directly to the User's individual payment account maintained by Stripe, without the Operator's intermediation. The Operator is not a party to the payment transaction or the agreement between the User and the Client regarding services provided.
Definitions:
- User - a natural person performing work in the service sector who may receive tips as part of their work, in particular:
  - waiters and waitresses
  - baristas
  - hairdressers
  - beauticians and cosmetologists
  - persons performing care treatments
  - internet content creators (influencers)
  - and other persons providing services where tips are customarily accepted
- Client - a person making a tip through the Service
- Stripe Connect - an external payment system managed by Stripe, enabling direct transfer of funds from Clients to Users' individual accounts. Stripe acts as an independent, licensed payment operator and data processor
- User's Stripe Account - the User's individual payment account maintained by Stripe, to which funds from Clients are transferred directly. The account is owned by the User and managed exclusively by Stripe. The Operator does not have access to funds in this account
- QR Code - a unique code assigned to a User, enabling redirection to the payment page
- Settlement Currency - the currency in which Stripe records funds in the User's Stripe Account and in which it makes payouts to the User's bank account; the User checks it in the Service panel, where the balance and payouts are presented in that currency
Stripe as the sole payment service provider:
- All payments in the Service are processed exclusively by Stripe
- Stripe is a regulated entity authorized to provide payment services within the European Economic Area (e-money institution license issued by the Central Bank of Ireland)
- Users and Clients enter into a direct relationship with Stripe regarding payment services
- Funds paid by Clients are transferred directly to the User's Stripe Account — the Operator does not take possession of these funds at any point
- The Operator does not store or process payment card data
- The Operator does not maintain any technical or collective account where Users' funds would be held

II. Terms of Service Use

The Service may be used as a User only by natural persons who:
- Are at least 18 years old
- Have full legal capacity
- Provide services in the gastronomy, beauty sector, are internet content creators, or perform other work where tips are customarily accepted
- Have accepted these Terms and Conditions
- Have successfully completed the verification process in the Stripe Connect system
Using the Service as a Client does not require registration or age verification.
The Service provides services in Poland, and tips are made by Clients in Polish zloty (PLN). Funds are transferred directly to the User's Stripe Account and are available for withdrawal at any time, without minimum thresholds. Payment processing fees are charged by Stripe directly from the User's Stripe Account; if the Settlement Currency of that account (i.e., the currency in which Stripe records tips in it) is not PLN, Stripe additionally charges a currency conversion cost — the rules are set out in point IV.4.
Additional features for business users:
- Ability to attach a digital menu in the form of a file or external link
- Integration with Google rating system, enabling collection of customer reviews
- A dedicated page accessible via a unique QR code, which offers:
  - Menu preview
  - Ability to leave a Google review
  - Tip transfer
  - Access to business social media
  - Other information published by the establishment
- Ability to customize the profile page
- Analytics and statistics regarding page visits and received tips

III. Registration and Verification

The User registration process includes:
- Creating an account in the Service by providing an email address and full name
- Completing the verification process in the Stripe Connect system
- Providing additional data required by Stripe Connect, including:
  - phone number
  - residential address
  - bank account number — the currency of the indicated account may affect the Settlement Currency of the User's Stripe Account, and thus the transaction costs (point IV.4)
  - information about the profession performed (must select an appropriate category: gastronomy, beauty, internet content creator, or other)
Verification in the Stripe Connect system:
- Is conducted in accordance with Stripe's procedures and requirements
- May require additional documents confirming identity
- Is a necessary condition to start accepting payments
- May be updated or conducted again at Stripe's request
The User is obliged to:
- Provide true and current data
- Immediately update data in case of changes
- Not share their account with third parties
- Secure login data against unauthorized access
- Independently initiate withdrawals of funds held in the User's Stripe Account in accordance with the terms of the selected billing plan
Stripe Connect and agreement with payment service provider:
- a) The User, by starting to use the Service, enters into a direct agreement with Stripe Technology Europe Limited ("Stripe")
- b) The User is obliged to comply with the Stripe Connect terms available at stripe.com
- c) Stripe has the right to:
  - Refuse to provide services
  - Freeze funds in case of suspected fraud
  - Request additional verification
  - Close the account without prior notice in case of terms violation
- d) The Operator is not responsible for Stripe's decisions regarding the provision of payment services

IV. Rules for Tipping

Tipping process:
- Client scans the User's QR code or uses the provided link
- Selects the tip amount
- Makes payment using available payment methods
Transaction limits:
- Minimum tip: 4 PLN
- Maximum tip: 600 PLN
- The limits apply to the tip amount paid by the Client; the amount credited to the User's Stripe Account is reduced by Stripe's fees and, where the Settlement Currency is other than PLN, also by the currency conversion cost (point IV.4)
Commissions and fees:
- The Operator does not charge any commission on transactions
- The payment processing fee is charged by Stripe directly from the User's Stripe Account; its amount depends on the payment method and is approx. 1 PLN + approx. 1.6% of the transaction value for the most commonly used payment methods, while for other methods and for cards issued outside the European Economic Area the percentage rate is higher — the exact and current rates are specified in Stripe's pricing available at stripe.com
- In addition to the payment processing fee, a tip may be subject to other costs charged by Stripe in accordance with Stripe's pricing, in particular the currency conversion cost, if the Settlement Currency of the User's Stripe Account is not PLN (point IV.4)
- The Client has an optional ability to voluntarily support tippin' platform development (Tippin Support) — this is solely a voluntary donation, unrelated to the payment service
- The Client may cover the payment processing fee — where the User's Stripe Account is settled in PLN, the User then receives the full tip amount, while where the account is settled in another currency, the credited amount is additionally reduced by the currency conversion cost (point IV.4)
- Business users are charged a one-time implementation fee of 200 PLN
- The Operator may waive the implementation fee in individual cases
- The current and complete list of fees charged by Stripe is specified in Stripe's pricing available at stripe.com
Settlement currency and currency conversion:
- Tips are made by Clients in Polish zloty (PLN), whereas Stripe records them in the User's Stripe Account in the Settlement Currency of that account
- The Settlement Currency is determined by Stripe for the User's Stripe Account; it is affected, among other things, by the bank account indicated by the User in the Stripe Connect system. The User checks the current Settlement Currency of their account in the Service panel — the balance and payouts are presented in that currency
- If the Settlement Currency is not PLN, Stripe converts each tip into that currency already at the moment of crediting it to the User's Stripe Account, even though the Client paid in zloty
- The conversion is made at the exchange rate applied by Stripe; Stripe charges a fee for this, which may be charged separately or included in the exchange rate. This cost is borne by the User independently of the payment processing fee referred to in point 3 and is not included in it — the amount credited to the User's Stripe Account is then lower in value than in the case of an account settled in PLN
- The rules for determining the exchange rate and the current fee rates are specified in Stripe's pricing available at stripe.com. Information about the exchange rate applied and the amount before conversion is made available by Stripe as the payment service provider; the User may request it from Stripe or through the Operator, at kontakt@tippin.pl
- The currency conversion takes place on the basis of the agreement concluded by the User with Stripe referred to in point III.4 — the Operator is not a party to it, does not charge this fee, does not set the exchange rate and has no influence on it
- A User who wishes to avoid the currency conversion cost should have a bank account maintained in PLN indicated in the Stripe Connect system. In case of doubts regarding a change of the bank account, the User may contact the Operator at kontakt@tippin.pl
Legal status of funds:
- Funds paid by Clients are transferred directly to the User's individual Stripe Account, without the Operator's intermediation
- The Operator does not take possession of Users' funds at any stage of the transaction
- The Operator does not maintain technical or collective accounts where Users' funds would be held
- Funds held in the User's Stripe Account are fully owned by the User and are subject to the terms of the agreement between the User and Stripe
- The Client's obligation to the User for the tip is considered fulfilled in the tip amount indicated by the Client, upon crediting of funds to the User's Stripe Account
- The difference between the tip amount indicated by the Client and the amount credited to the User's Stripe Account results from Stripe's fees and — where the Settlement Currency is other than PLN — from the currency conversion cost (point IV.4). This difference is borne by the User, is not subject to any supplementary payment by the Operator and does not increase the amount due from the Client beyond the amount they paid
- The Operator maintains only informational records (transaction metadata) for statistical and auxiliary purposes — this does not constitute a record of monetary funds
Fund withdrawals:
- Funds held in the User's Stripe Account are available for withdrawal at any time, without minimum thresholds
- Withdrawal of funds requires submission of a withdrawal order by the User in the Service panel
- The withdrawal order is forwarded to Stripe, which executes the transfer to the User's bank account
- Withdrawal processing time depends on Stripe and the User's bank (typically 2-7 business days)
- Funds are transferred directly to the User's bank account provided in the Stripe Connect system
- The payout is made in the Settlement Currency of the User's Stripe Account (point IV.4)
- The Operator does not participate in the withdrawal process — it is carried out entirely by Stripe
- The Operator is not liable for delays and irregularities arising on the side of Stripe or the User's bank — this does not exclude the Operator's liability for improper performance of the services provided by the Service
Payment methods:
- a) The Service enables payments using:
  - Payment cards (credit and debit)
  - BLIK
  - Apple Pay
  - Google Pay
  - Revolut Pay
- b) Using Apple Pay:
  - Requires an Apple device with an active Apple Pay service
  - Is subject to additional Apple Pay terms of use
  - Apple Inc. is not responsible for the Service's operation
  - Apple Pay is a trademark of Apple Inc.
- c) Using Google Pay:
  - Requires a device with an active Google Pay service
  - Is subject to additional Google Pay terms of use
  - Google LLC is not responsible for the Service's operation
  - Google Pay is a trademark of Google LLC
- d) Payment security:
  - All payments are encrypted
  - The Service does not store payment card data
  - Payment data is processed directly by Stripe
- e) Refunds and transaction cancellation:
  - Tips made through the Service are not refundable
  - In case of technical error or mistaken transaction, a complaint must be filed within 14 days
  - In case of transaction errors, the Operator supports the User in the complaint process conducted by Stripe. The final decision on refund belongs to the payment service provider (Stripe)
  - In case of positive complaint resolution, funds will be returned to the account from which the payment was made
  - Where the Settlement Currency is other than PLN, the amount charged to the User's Stripe Account upon the refund may differ from the amount previously credited, because the refund is subject to a further currency conversion by Stripe. Stripe does not refund the payment processing fee or the currency conversion cost charged on the original transaction; these differences are borne by the User
  - Refund processing time depends on the payment operator and Client's bank
Forms of tipping:
- directly after service provision (e.g., in gastronomy or beauty)
- as appreciation for created content (in case of internet content creators)
- in other forms corresponding to the nature of services provided
No right to withdraw from the agreement:
- Due to the nature of the service, after clicking the "Pay" button and processing the payment, it is not possible to withdraw from the agreement
- The transaction is executed immediately, and funds are transferred to the User's Stripe Account
- Pursuant to Art. 38(1) of the Consumer Rights Act, the right to withdraw from a distance contract does not apply to contracts for the provision of services where the entrepreneur has fully performed the service with the consumer's explicit consent
Staff management by business user:
- Business user can add and remove staff members through the admin panel
- Business user bears full responsibility for staff data entered into the system
- Adding a staff member requires providing their basic data and email address
- Business user is obliged to update the staff list in case of personnel changes
- The system enables assignment of unique identifiers for individual staff members
Forms of accepting tips by a business user:
- Depending on the method selected in the panel, tips made through the business profile are transferred directly to the business user's (company's) Stripe Account or — when the Client selects a specific employee — directly to that employee's Stripe Account
- The Operator at no point collects, holds or distributes these funds; their flow takes place directly through Stripe, in accordance with the rules set out in points 5 and 6 above

V. Rights and Obligations of the Parties

The Operator is obliged to:
- Ensure Service availability
- Secure User data
- Provide technical support regarding Service operation
- Inform about planned technical breaks
The User is obliged to:
- Comply with the provisions of these Terms and Conditions
- Not take actions harmful to the Service and other Users
- Immediately report any irregularities in Service operation
- Comply with marketing and promotion rules specified in the Terms and Conditions
Prohibited types of activity:
- The User may not use the Service in connection with activity:
  - Related to pornographic content or sexual services
  - Gambling or organizing lotteries without required permits
  - Related to drug sales, psychotropic substances, or prescription pharmaceutical products
  - Offering counterfeit goods or services infringing intellectual property rights
  - Related to digital currency or cryptocurrencies
  - Offering high-risk financial services (e.g., short-term loans, debt collection)
  - Selling or promoting weapons, ammunition, or explosives
  - Offering fortune-telling or esoteric services
- This list is not exhaustive and may be updated in accordance with Stripe's policy
- The Operator reserves the right to immediately suspend the User's account in case of detecting activity inconsistent with the terms
The Operator reserves the right to:
- Temporarily limit access to the Service for technical maintenance
- Suspend or delete the User's account in case of Terms violation
- Introduce changes to Service operation
- Refuse to provide services without stating reasons
Exclusion of liability:

The Operator is not liable for:
- a) Disputes between User and Client regarding tips
- b) Payment withdrawal issues on Stripe's side, including:
  - Withdrawal delays
  - Fund freezing
  - Additional verifications
- c) Stripe's refusal to provide services
- d) Regulatory body decisions regarding Stripe or User
- e) Tax consequences of using the Service
- f) Technical issues independent of the Operator
- g) The exchange rate applied by Stripe when converting tips into the Settlement Currency of the User's Stripe Account and the cost of that conversion (point IV.4) — this is without prejudice to the Operator's information obligations set out in point IV.4
The above does not exclude or limit the Operator's liability for improper performance of the services provided by the Service, nor liability which under the applicable law cannot be excluded towards a consumer.
Liability for content and rights infringement:
- User bears full responsibility for content published in the Service
- User is obliged not to publish content:
  - Infringing copyright or other intellectual property rights
  - Infringing personal rights of third parties
  - Containing offensive, discriminatory, or hate-inciting content
  - Containing malicious software or links to such content
  - Promoting illegal activity
- In case of receiving official notification about illegal nature of content, the Operator will immediately prevent access to such content
- If the User violates the above rules, the Operator has the right to:
  - Remove disputed content
  - Suspend or delete the User's account
  - Notify appropriate authorities about law violation

VI. Marketing and Promotion

The User may promote their profile and QR code while following these rules:
- a) General rules:
  - Prohibition of misleading information about commissions and fees
  - Prohibition of using other persons' image without their consent
  - Prohibition of actions violating good customs
- b) Rules for gastronomy sector:
  - Prohibition of suggesting official connection with the establishment without its consent
  - Prohibition of placing QR codes on establishment equipment without owner's consent
- c) Rules for beauty sector:
  - Prohibition of suggesting official connection with the salon without its consent
  - Possibility of placing QR code at service provision location with owner's consent
- d) Rules for internet content creators:
  - Obligation to clearly mark links and QR codes as serving for tip transfer
  - Prohibition of misleading promotion of tips as payment for specific services
  - Prohibition of conditioning access to content on making a tip
The Operator reserves the right to:
- Verify Users' marketing activities
- Demand cessation of unauthorized promotional activities
- Suspend account in case of marketing rules violations

VII. Intellectual Property

All intellectual property rights to the Service, including:
- tippin' name and logo
- Interface graphic elements
- Source code
- Marketing content and materials belong to the Operator or are used under appropriate licenses.
Content published by Users:
- All content published by business users (including menus, descriptions, photos, logos) remains their property
- User, by publishing content in the Service, grants the Operator a non-exclusive, free license to use such content for the purpose of providing Service services, including:
  - Publishing content within the User's profile
  - Displaying content on the page accessible via QR code
  - Using for Service marketing and promotional purposes (with User's prior consent)
- User declares that they have all rights to published content and its publication does not infringe third parties' rights
- The Operator has the right to remove content infringing third parties' rights or legal regulations

VIII. Personal Data Protection

Data controller:
- The Operator is the controller of Users' personal data
- Stripe is the controller for data processed in the Stripe Connect system
Scope of processed data:
- Identification data (name, surname, email)
- Contact data (phone number, address)
- Settlement data (bank account number)
- Transaction data (stored in Stripe system)
Processing purposes:
- Providing Service services
- User verification
- Financial settlements
- Transaction security
- Direct marketing of own services
Rights of data subjects:
- Access to data
- Data rectification
- Data erasure
- Processing restriction
- Data portability
- Object to processing
Data retention period:
- Account data: for the period of account possession and up to 5 years after its deletion
- Transaction data: according to Stripe's policy
- Settlement data: according to legal requirements (5 years)
Detailed purposes and legal bases for processing:
- a) Contract performance (Art. 6(1)(b) GDPR):
  - Account management
  - Payment processing
  - Complaint handling
- b) Legal obligations (Art. 6(1)(c) GDPR):
  - Accounting documentation storage
  - Money laundering prevention
  - Implementation of data subjects' rights
- c) Legitimate interests (Art. 6(1)(f) GDPR):
  - Service security
  - Own services marketing
  - Claims pursuit
Data transfer:
- Stripe - for payment processing and User verification
- IT service providers - for system maintenance
- State authorities - in cases provided by law
Data transfer outside EEA:
- Data may be transferred outside EEA within Stripe's services
- Transfer is based on standard contractual clauses
- Detailed information is available in Stripe's privacy policy

IX. Complaints and Dispute Resolution

The User has the right to file a complaint regarding the operation of the Service.
Complaint handling:
- Deadline: within 30 days from submission
- Response form: same as submission form
- In case of complex matters, the deadline may be extended
Payment disputes:
- Are handled according to Stripe's procedures
- The Operator is not a party to the transaction
- The User may file all complaints with the Operator, at kontakt@tippin.pl
- Complaints regarding the exchange rate and the currency conversion cost, the amount of Stripe's fees and the payout deadline are forwarded by the Operator to Stripe, and the Operator informs the User of how they were handled; the Operator has no influence on the content of Stripe's position and does not decide whether and in what amount a currency conversion cost was incurred
Competent court:
- Court competent for the Operator's registered office
- For consumers - court competent according to general provisions

X. Force Majeure

The parties shall not be liable for non-performance or improper performance of obligations arising from the Terms and Conditions if caused by force majeure.
Force majeure shall be understood as events:
- External
- Impossible to foresee
- Whose effects cannot be prevented
- In particular: natural disasters, wars, strikes, IT system failures independent of the Operator
The party invoking force majeure is obliged to inform the other party about its occurrence and cessation.

XI. Taxes and Accounting Obligations

Tax liability:
- a) The User is obliged to:
  - Independently settle income tax on received tips
  - Include received tips in annual tax return as income from other sources (Art. 20(1) of the PIT Act)
  - Keep history of received tips for tax purposes
- b) The business user is responsible for all tax obligations and settlements with staff related to tips received to the company's Stripe Account
Reporting:
- a) The Service provides monthly summaries of received tips
- b) Summaries are auxiliary for tax settlement purposes
- c) The User should verify consistency of summaries with actual inflows — the summaries present tip amounts in PLN, so where the Settlement Currency is other than PLN they will differ from the amounts credited by Stripe
Stripe as reporting entity:
- a) Stripe may transfer transaction information to appropriate tax authorities
- b) The User consents to such reporting
- c) The User may be requested by Stripe to provide additional information or documents required by law, including tax regulations and money laundering prevention regulations

XII. Terms and Conditions Changes

The Operator has the right to change the Terms and Conditions in case of:
- Legal or regulatory changes
- Introduction of new functionalities
- Payment system modifications
- Technological changes
- Changes in scope of services provided
Users will be informed about any Terms and Conditions changes at least 14 days in advance.
Changes enter into force on the date indicated by the Operator.
Non-acceptance of Terms and Conditions changes is equivalent to resignation from using the Service.

XIII. Final Provisions

These Terms and Conditions in their present wording enter into force on September 1, 2026; the previous wording was in force from March 9, 2026.
Polish law shall apply to matters not regulated herein.
Invalidity of individual provisions does not affect the validity of the entire Terms and Conditions.
The Terms and Conditions are available in the Service and may be downloaded in PDF format.
Contact with the Operator:
- Email: kontakt@tippin.pl
- Address: ul. Żelazna 2, 40-851 Katowice
Regarding Apple Pay services:
- a) Apple Inc. is not a party to this agreement and is not responsible for:
  - Service operation
  - Payment processing
  - Complaint handling
- b) All claims regarding Apple Pay operation should be directed to Apple Inc.
- c) Apple Pay is a trademark of Apple Inc.