This policy explains when you can cancel a contract with Oleksandr Koniev Strataforge (Jednoosobowa działalność gospodarcza), when a statutory withdrawal right applies, what is and is not refundable, and how long a refund takes. It applies to everything Oleksandr Koniev Strataforge sells, including software development engagements, Strataforge Academy courses and access to the client platform.

Your rights depend on who you are. The strongest protection goes to consumers, then to sole proprietors buying outside their professional field, then to businesses, whose rights come from their contract. Read this policy together with our Terms of Service and our Privacy Policy. If anything here conflicts with a mandatory rule of Polish or EU consumer law, that law wins.

1. Scope and who this covers

This policy sets out the rules for cancelling contracts and obtaining refunds across every product and service offered by Oleksandr Koniev Strataforge, a sole proprietorship (JDG) registered in CEIDG in Poland and VAT-registered, regardless of whether the contract is one-time or recurring and regardless of how it was concluded.

It forms part of every order, Master Services Agreement, Statement of Work, subscription and our Terms of Service, unless we agree otherwise in writing. Mandatory consumer-protection law always takes priority over anything written here.

We recognise three buyer categories, defined in section 2 below: consumer (B2C), sole proprietor with consumer rights (B2B-K), and standard business (B2B). Your category is fixed at the moment the contract is concluded.

2. Which category you fall into

Consumer (B2C). A natural person buying from us for purposes not directly connected with any business or professional activity, within the meaning of art. 22(1) of the Polish Civil Code (KC). Consumers get the full statutory protection described in section 3.

Sole proprietor with consumer rights (B2B-K). A natural person running a business who buys something directly connected with that business, but where the purchase clearly has no professional character for them, judged in particular against the scope of activity disclosed in CEIDG. Such a buyer gets consumer-grade protection under art. 7aa of the Consumer Rights Act (upk) and art. 385(5) KC. Example: a photographer commissioning bookkeeping software is buying outside their professional field.

Standard business (B2B). Any other client, in particular a company, an organisational unit, or a sole proprietor for whom the purchase does have a professional character. These clients are governed by their contract under the freedom-of-contract principle in art. 353(1) KC, subject to mandatory law.

We classify you at checkout from the data you give us and, for business buyers, from the CEIDG record. If it later turns out you were a consumer or B2B-K but were classified as standard B2B, the rights of your actual category apply, without taking away anything you had already earned.

3. Consumer 14-day right of withdrawal

If you are a consumer and you concluded the contract at a distance (for example online) or off our premises, you may withdraw from it within 14 days without giving any reason and without cost, except for the limited costs set out in the Consumer Rights Act. This right comes from art. 27 of the Consumer Rights Act (upk).

As a consumer, you have 14 days to walk away from a distance or off-premises contract, no reason needed, and we refund you within 14 days.

The 14 days run from the day the contract is concluded (for a contract to deliver goods, from the day you receive them). Under art. 30 upk, sending your withdrawal statement before the deadline is enough to keep the deadline. In the narrow case of an off-premises contract concluded during an unsolicited visit to your home or during an excursion, the period is 30 days (art. 27 ust. 2 upk).

Withdrawal is in principle free of charge, but the Consumer Rights Act sets a small closed list of costs you may still bear:

• If your order included a physical item and you chose a delivery method dearer than the cheapest ordinary one we offered, we reimburse delivery only up to the cost of that cheapest ordinary method (art. 33 upk).
• Where a physical item must be returned, you bear the direct cost of returning it unless we agreed to cover it or failed to tell you in advance that you would (art. 34 ust. 2 upk).
• If you asked us to start a service before the 14 days were up and then withdraw, you pay a proportional amount for what was actually performed up to that point, calculated against the agreed price (art. 35 upk).
• You bear no cost at all for digital content not on a physical medium if you did not validly consent to early delivery, were not told that consent forfeits your withdrawal right, or we failed to give you the confirmation required by law (art. 36 ust. 2 upk). Almost everything we sell is digital, so this is the usual case.

Once you withdraw in time, the contract is treated as never concluded under art. 31 upk, and we send you confirmation of receipt on a durable medium, normally by email.

4. Digital content and services started early

Some of what we sell is delivered immediately, in particular Strataforge Academy courses, platform access and other digital content not supplied on a physical medium. For these, the law lets you ask us to start right away, and in exchange you give up the 14-day withdrawal right. Two separate rules apply:

• For a paid service, you lose the withdrawal right once we have fully performed it, provided you gave express prior consent and acknowledged that full performance forfeits the right (art. 38 ust. 1 pkt 1 upk).
• For digital content not on a physical medium, you lose the withdrawal right once delivery has begun with your express prior consent and your acknowledgement that this forfeits the right, and once we have given you the statutory confirmation (art. 38 ust. 1 pkt 13 upk).

The waiver only holds if we capture your consent correctly. Before performance begins, at checkout, you must actively:

• Request that we start providing the service or digital content before the 14-day period ends.
• Confirm that you have been told you will lose the right of withdrawal once we have fully performed (for a service) or once delivery has begun with your consent (for digital content).
• Acknowledge that you understand this.

We then confirm the contract to you on a durable medium under art. 15 and art. 21 upk, and that confirmation expressly records your consent to early delivery and your acknowledgement that you forfeit the withdrawal right. We keep the consent record for the limitation period for any related claim (currently up to six years), so that we can prove the waiver was validly captured.

If we do not capture your consent properly, or do not send you the statutory confirmation, you keep the full 14-day withdrawal right, you bear no cost for the digital content under art. 36 ust. 2 upk, and we refund you in full. If you withdraw after we have already started a service at your request but before it is fully performed, you pay only the proportional amount for what was actually delivered up to that point, under art. 35 upk.

5. Sole proprietors with consumer rights (B2B-K)

If you are a sole proprietor and the purchase clearly has no professional character for you, you get consumer-grade protection under art. 7aa upk and art. 385(5) KC. In practice that means the 14-day withdrawal right and refund timelines in sections 3 and 4 apply to you, and any contract term that cuts across consumer protection cannot be enforced against you.

Whether a purchase has a professional character for you is judged case by case, against the activity disclosed in your CEIDG record (PKD code), the subject of the contract, and your own statement made no later than at checkout. We cannot make that statement a condition of selling to you. If the purchase does sit inside your professional field, section 6 (standard business) applies instead. The digital-content and fully-performed-service waivers in section 4 apply to you the same way they apply to consumers.

6. Standard business clients

Standard business clients do not have the consumer 14-day withdrawal right. Cancellation, termination and refund rights come from your contract (the MSA, SOW or subscription terms) under the freedom-of-contract principle in art. 353(1) KC, backed where the contract is silent by the mandate rules in art. 746 KC applied via art. 750 KC.

One-time projects. These are settled by milestones. If you terminate for cause attributable to us (for example we fail to deliver an agreed milestone on time), we refund the fees for the unperformed part within 30 days; fees for work already delivered remain due. If you terminate for convenience, you pay for the work done to date plus reasonable expenses we incurred, and we hand over the work product as-is against that payment. Any cancellation fee must be agreed in the SOW and stays within the limits of art. 746 § 3 KC, which prohibits any advance waiver of the right to terminate for good cause.

Subscriptions and retainers. The default billing cycle is the calendar month, billed in advance. Either side may end a subscription for convenience on 30 days' written notice, effective at the end of the billing cycle in which the notice expires, or immediately for an uncured material breach. Prepaid future cycles are refunded pro-rata, less any prepayment discount. There is no refund of the current cycle on a for-convenience exit, and no refund where we terminate because you materially defaulted, for example by not paying.

7. How to cancel or withdraw

Send any cancellation or withdrawal statement to alex@strataforge.co. Consumers and B2B-K buyers may also write to us at ul. Złota 75A lok. 7, 00-819 Warszawa. You do not have to use any particular wording, a clear statement that you are withdrawing or cancelling is enough.

If you prefer, you can use the statutory model withdrawal form (Annex 2 to the Consumer Rights Act), reproduced in the official consolidated text at the model withdrawal form, Annex 2 to the upk. Address it to us using the contact details above (Oleksandr Koniev Strataforge, ul. Złota 75A lok. 7, 00-819 Warszawa, alex@strataforge.co). Using the form is optional, it is offered only to make withdrawal easier.

We confirm receipt on a durable medium, normally by email. A consumer withdrawal takes effect on receipt and the contract is then treated as never concluded. For business contracts, the effective date follows your contract: end of the billing cycle for a subscription for-convenience notice, immediate for an uncured material breach, and as set out in the SOW for one-time projects.

After cancellation, we hand over any paid-for work in progress as-is and pay any refund due within the deadlines below. You stay responsible for paying for anything delivered before the cancellation took effect.

8. How refunds are paid

We refund a consumer or B2B-K buyer all payments made, promptly and no later than 14 days from receipt of the withdrawal statement, under art. 32 upk. For standard business clients the deadline is 30 days from the effective termination date, unless the contract sets a shorter one.

• Consumer (B2C) and B2B-K within consumer scope: refund within 14 days of your withdrawal statement.
• Standard business: refund within 30 days of effective termination, or sooner if the contract says so.
• Refunds go back by the same payment method you used, unless you agree to a different method that costs you nothing.
• Refunds are paid in the original payment currency. For a consumer or B2B-K buyer we bear any currency-conversion difference, payment-processor fee and chargeback cost arising on the refund, so that you receive back the full amount you paid; we never pass those costs on to a consumer or B2B-K buyer.
• For standard business clients, allocation of currency-conversion differences and processor fees follows the contract; absent a contract term, we return the original amount received.

Partial refunds, for example a pro-rata refund of an unused subscription period, are worked out on a daily basis: the monthly fee divided by the number of days in the month, multiplied by the unused days.

9. What is not refundable

The following are not refundable, subject always to your mandatory consumer rights. The second, third and fourth items apply only to standard business clients, or to a consumer or B2B-K buyer where the withdrawal right is unavailable or was validly waived under section 4:

• Digital content or a service that has been fully performed after you asked us to start early and validly waived the withdrawal right under section 4.
• Work already delivered and accepted on a one-time project, and milestones completed before cancellation (standard business clients, or where consumer / B2B-K withdrawal is unavailable or validly waived).
• The current billing cycle of a subscription that a business client ends for convenience (standard business clients).
• Any amount where we terminated because you materially defaulted, for example by not paying; we keep our right to claim damages under general Civil Code rules (standard business clients, or where consumer / B2B-K withdrawal is unavailable or validly waived).

Nothing in this section limits a consumer's or B2B-K buyer's right to a full refund where the withdrawal right still applies because consent to early performance was not validly captured, including the no-cost rule for digital content in art. 36 ust. 2 upk.

10. Disputes and your options

If something goes wrong, contact us first at alex@strataforge.co and we will try to resolve it in good faith. As a consumer you can also use out-of-court redress, in particular mediation through the Voivodeship Trade Inspectorate (WIIH) or proceedings before the Permanent Consumer Arbitration Court (Staly Polubowny Sad Konsumencki) having competence for our registered business address.

The EU Online Dispute Resolution platform is not listed here on purpose: it was discontinued in 2025 under Regulation (EU) 2024/3228, which repealed the regulation that created it.

If a dispute reaches court, a consumer or B2B-K buyer may sue in their own general-jurisdiction court, and any term forcing a different forum on a consumer is unenforceable. Standard business disputes go to the court having jurisdiction over our CEIDG-registered business address unless the contract says otherwise. Polish law governs, but a consumer keeps the mandatory protections of their country of habitual residence under art. 6 of the Rome I Regulation.

11. Related documents and changes

Read this policy with our Terms of Service and our Privacy Policy, which covers how we handle the personal data involved in processing a refund, including the consent record we keep for the early-delivery waiver. Where a specific contract (MSA, SOW or subscription) sets different terms for a business client, that contract governs, subject to mandatory law and to consumer rights that cannot be contracted away.

We may update this policy for valid reasons such as changes in the law or in how we deliver services. We will announce changes in advance on this site and, for active clients, by email. Changes do not apply retroactively and do not worsen your position for contracts concluded before they take effect, unless you accept the new version. Questions go to alex@strataforge.co.