Responsibility and limitations

Kapitalomat processes investment data and generates supporting tax summaries and reports. Information in the service is for informational purposes only and is not tax, legal, accounting, financial, investment, brokerage, or other professional advice.

Data passes through parsing broker reports, normalizing transactions, and producing calculations. These are helper outputs that require your validation at each stage; we do not assume responsibility for their correctness or suitability for your tax position.

Using the service does not create a fiduciary or advisory relationship. Kapitalomat does not act as a tax advisor, lawyer, accountant, auditor, broker, or other regulated professional.

Reports, calculations, and summaries generated by the service are supporting tools and may require independent verification. You are solely responsible for decisions and actions based on them.

The service is provided “as is” without express or implied warranties. We do not guarantee uninterrupted operation; absence of errors, delays, or inaccuracies; completeness, timeliness, or tax-law conformity; acceptance of generated filings by tax authorities; or any specific results (including refunds, liabilities, or savings).

We take steps to protect data, but no internet system is risk-free. We are not liable for data loss or unauthorized access arising from circumstances beyond our reasonable control.

You are responsible for the accuracy, completeness, and currency of data entered into the service; reviewing generated reports; ensuring filings comply with applicable tax laws; timely filing and payment of taxes; and assessing whether the service fits your individual tax situation.

You must compare parsed data and calculations against broker statements and applicable regulations. We do not review or submit filings on your behalf.

We recommend consulting a licensed tax, accounting, or legal professional before making decisions with tax implications.

We are not liable for errors from incorrect, incomplete, or outdated data you provide; calculation discrepancies due to technical limits; effects of changes in laws, interpretations, or tax authority practices; actions of third parties (including brokers, exchanges, data providers, or APIs); cyber attacks, infrastructure failures, or force majeure; indirect or consequential damages, lost profits, replacement costs, or third-party claims.

These exclusions do not apply where liability cannot be excluded under mandatory law, especially for personal injury or damage caused intentionally or by gross negligence.

Our liability to you, regardless of legal basis, is capped as follows: (a) Free Plan users: 0 PLN; (b) Premium Plan users: the amount you actually paid for service access in the tax year the claim relates to. Example: if you paid 149 PLN for access in tax year 2025, the maximum total for all claims for that year is 149 PLN.

This cap does not apply to users with a separate written agreement that sets different liability terms.

By using the service, you accept this liability disclaimer. Continuing to use the service after changes means you accept the updated terms.