Terms of Service

Version 2 of 12 October 2026

§ 1. Definitions

  1. Provider or LURIP: LURIP Michał Kozioł, a sole trader entered in the Polish Central Register and Information on Economic Activity (CEIDG), ul. Zabierzowska 23P/1, 32-005 Niepołomice, Poland, tax identification number (NIP) 6832154544, e-mail address [email protected], telephone +48 780 596 994.
  2. Loftsplit or Application: the service for keeping records of and settling rentals, available in a web browser at app.loftsplit.com, together with its application programming interface (API) and the tenant portal.
  3. Website: the loftsplit.com website with information about Loftsplit and the free utility bill split calculator.
  4. Customer: a natural person, legal person or organisational unit without legal personality that has concluded a contract with LURIP for the use of Loftsplit by creating an Organisation.
  5. Consumer: a Customer who is a natural person concluding a contract not directly connected with their business or professional activity, for example an owner letting their own flat as private rental. The example does not set a boundary: whether a Customer is a Consumer depends on the circumstances, in particular on whether letting is their business activity.
  6. Entrepreneur with consumer rights: a Customer who is a natural person running a business and concluding a contract directly connected with that business but not of a professional nature for them (Article 385⁵ of the Civil Code (Kodeks cywilny)). The nature of the contract depends on the circumstances, in particular the subject of the business disclosed in CEIDG, and on the declaration under § 4(8), if the Customer has made it.
  7. Organisation: the Customer’s separate space in the Application holding its buildings, units, contracts, costs and settlements.
  8. User: a natural person who has an account in the Application and access to an Organisation in one of the following roles: Owner (all data, users and subscription), Manager (all data except users and subscription) or Accountant (read-only: viewing and export only).
  9. Tenant: a person to whom the Customer has given access to the tenant portal so that they can see their own settlements and payments. The tenant portal is part of the service provided to the Customer; the Tenant does not conclude a separate contract with LURIP.
  10. Billable unit: a flat let as a whole or a room let separately, for which the subscription fee is charged.
  11. Customer Data: all data entered into the Organisation by the Customer and Users, or imported on their instruction, including personal data of tenants.
  12. DPA: the agreement on entrusting the processing of personal data, which forms Annex 1 to the Terms.

§ 2. General provisions

  1. The Terms set out the rules on which LURIP provides services by electronic means within the meaning of the Act of 18 July 2002 on Providing Services by Electronic Means (ustawa o świadczeniu usług drogą elektroniczną), the rights and obligations of Customers and Users, and the complaints procedure.
  2. Under the Terms, LURIP provides the following services:
    1. making the Application available to the Customer and its Users, under the contract concluded when the Organisation is created, free of charge during the trial period and for a fee once the subscription is ordered (§ 6(2));
    2. making the tenant portal available, on the Customer’s instructions and as part of the service provided to the Customer, to Tenants designated by the Customer, free of charge for the Tenant;
    3. making the Website and the utility bill split calculator available, free of charge and without creating an account;
    4. handling correspondence sent to e-mail addresses in the loftsplit.com domain.
  3. The Terms are available free of charge on the Website in a form that allows them to be downloaded, saved and printed. Before creating an Organisation, a person must read and accept the Terms.
  4. Use of the Website and the calculator does not require acceptance of the Terms in the part concerning the contract for the use of the Application.
  5. LURIP’s single point of contact for the authorities of the Member States, the European Commission and the European Board for Digital Services (Article 11 of Regulation (EU) 2022/2065, the Digital Services Act) and for recipients of the service (Article 12) is [email protected]. Contact is possible in Polish and in English.

§ 3. Technical requirements and security

  1. To use the Application, the following are required: a device with internet access, a current version of the Chrome, Edge, Firefox or Safari browser with JavaScript enabled, and an active e-mail address. Two-step login requires an application that generates one-time codes (TOTP). A Tenant uses the portal on the same technical terms; they may report comments on how the portal works in accordance with § 13, and should direct matters concerning their data to the Customer.
  2. The Application stores in browser storage only the information needed for it to work: the session token, the selected language and the colour theme, and unsaved forms. Details are in the privacy policy.
  3. Using services over the internet involves typical risks, such as attempts to obtain passwords by deception (phishing), malicious software on the User’s device or takeover of the e-mail mailbox. LURIP recommends using a unique password, enabling two-step login and checking that the login page has an address in the loftsplit.com domain. LURIP never asks for a password by e-mail or by telephone.
  4. Vulnerabilities and security incidents can be reported to [email protected]. The reporting rules are described in the file /.well-known/security.txt.

§ 4. Conclusion of the contract and accounts

  1. The contract for the use of the Application is concluded by completing the registration form (full name, Organisation name, country, e-mail address, password), accepting the Terms together with the DPA and creating an Organisation. The contract is concluded at the moment the Organisation is created, for an indefinite period. An account may be created by an adult with full legal capacity.
  2. A person who creates an Organisation on behalf of a Customer other than themselves declares that they are authorised to do so.
  3. The person who creates the Organisation receives the Owner role in it. An Organisation always has at least one Owner; an Owner cannot remove this role from themselves or remove themselves from the Organisation.
  4. The Owner may invite further Users and assign roles to them. An invited User creates an account or accepts the invitation with the password of an existing account. The Customer is responsible for the actions of Users to whom it has given access to the Organisation as for its own.
  5. One account may have access to several Organisations. The data of each Organisation is kept separate from the data of other Organisations.
  6. A User keeps the password and the backup codes for two-step login confidential. The Owner may require two-step login from all Users of the Organisation.
  7. The Customer enables a Tenant’s access to the portal by entering the Tenant’s e-mail address. The Tenant logs in with a one-time link sent to that address. The portal is available during the tenancy and for 12 months after the end of the Tenant’s last contract in the given Organisation.
  8. A natural person for whom the contract is connected with their business and is of a professional nature may declare this by ticking the optional box “The contract is connected with my business and is of a professional nature for me” in the registration form (Article 385⁵ § 1¹ of the Civil Code, Article 7aa(2) of the Act on Consumer Rights). In an Organisation created before this box was introduced, the declaration can be made on the Terms acceptance screen. Creating an Organisation and using the Application do not depend on this declaration. The effects of the declaration are set out in § 10(1) and § 17(3): without it, the limitations of liability and the jurisdiction clause do not apply to a Customer who is a natural person.

§ 5. Scope of the service

  1. The Application makes it possible in particular to:
    1. keep records of buildings, flats and rooms, meters, sub-meters and their readings;
    2. keep records of tenants and tenancy agreements with rent, deposit, advance payments and number of occupants;
    3. record costs and invoices together with scans, import invoices from KSeF XML files (National e-Invoicing System, Krajowy System e-Faktur) and read data from PDF invoices;
    4. split costs at three levels (building, flat, room) equally, by number of occupants, by floor area, by sub-meter or by a custom percentage, taking days of tenancy into account;
    5. settle advance payments against actual costs, prepare settlement documents for tenants showing the split method and meter readings, and send them by e-mail;
    6. record payments, including from imported bank statements, send tenants reminders of upcoming and overdue payments (once the Customer switches them on), and keep track of dates of inspections, insurance and other obligations, with e-mail reminders;
    7. prepare statements of income, costs and profit per room, unit and portfolio;
    8. in Poland: prepare utility re-invoices as XML files for the Customer to submit to KSeF itself;
    9. export all Customer Data to CSV, XLSX and ZIP files at any time;
    10. view the history of data changes with information on who made them and when.
  2. The Application is a tool for calculations and record keeping. The Customer is responsible for the correctness of the data entered, for choosing a cost split method consistent with the tenancy agreements and for the content of documents sent to tenants and authorities. The Application does not constitute legal or tax advice.
  3. Re-invoices and other documents prepared in the Application are issued by the Customer in its own name. LURIP does not submit the Customer’s documents to KSeF or to public authorities.
  4. LURIP may change the functions of the Application for valid reasons: changes in the law, improvements to security, adjustment to changes at infrastructure providers, development of the Application or withdrawal of a rarely used function. A change involves no costs for the Customer and may not deprive the Customer of the ability to export Customer Data. LURIP informs Customers by e-mail at least 30 days in advance of changes that restrict the functions described in paragraph 1, stating what the change consists of, when it takes effect and what rights the Customer has. In such a case, a Consumer and an Entrepreneur with consumer rights may terminate the contract free of charge and without notice within 30 days of the change or of receiving the information about it, if that is later; any Customer may also terminate the contract in accordance with § 11.

§ 6. Trial period, price and payments

  1. For 30 days from the creation of the Organisation, the Customer uses the Application free of charge and without restrictions on functions. The trial period does not require payment card details. LURIP may extend the trial period, including one that has already ended; it informs the Owners of this by e-mail.

  2. The trial period does not turn into a paid subscription by itself:

    1. An Owner orders the subscription with the “Order with obligation to pay” button on the “Subscription” page, during the trial period or after it. LURIP confirms the order by e-mail to the Owners with the key information about the contract and the subscription.
    2. The subscription is charged from the day following the end of the trial period or, if the order was placed later, from the day of the order.
    3. LURIP reminds the Owners by e-mail of the end of the trial period 7 days and 1 day before it.
    4. If the subscription is not ordered by the end of the trial period, the Organisation becomes read-only: Users and Tenants can view and export the data but cannot change it. LURIP charges nothing for this time. 30 days after the end of the trial period LURIP deletes the Organisation in accordance with § 11(2) and warns the Owners by e-mail 7 days before. Ordering the subscription before that day restores full access without any loss of data.

  3. The subscription is charged for each Billable unit in the Organisation, at net monthly rates, with each rate applying to the units within its band:

    1. PLN 8 for units 1 to 20,
    2. PLN 7 for units 21 to 50,
    3. PLN 6 for units 51 to 100,
    4. PLN 5 for each further unit above 100.

    The fee is not less than PLN 40 net for a full month. VAT at the rate applicable in the Customer’s country is added to the prices; in Poland it is 23%. Gross prices with 23% VAT are PLN 9.84, PLN 8.61, PLN 7.38 and PLN 6.15 per unit respectively, and the minimum is PLN 49.20 per month. An entrepreneur from another European Union country who provides an EU VAT number at payment pays net prices (reverse charge). The number of units does not limit the number of tenants, Users or documents.

  4. The fee for a month is calculated in proportion to the number of days on which the units existed in the Organisation; the minimum is calculated in proportion to the paid days of the month. Days on which the Organisation is waiting to be deleted are not charged (§ 11(3)).

  5. The subscription is sold to the Customer by Paddle.com Market Limited, London (“Paddle”), which acts as the seller (merchant of record) and resells access to Loftsplit to the Customer. Paddle accepts payments, issues the subscription invoices, accounts for VAT and makes refunds under the Refund Policy. Paddle’s buyer terms also apply to payments. The scope of the service, the prices and the other rules are set out in these Terms, and LURIP is responsible for providing the service. The rights of a Consumer and an Entrepreneur with consumer rights under § 10(5), § 12 and § 13 apply against LURIP regardless of Paddle’s terms.

  6. After ordering the subscription, an Owner saves a payment method, such as a payment card, once on the “Subscription” page in Paddle’s payment window. After the end of each month, LURIP calculates the fee for that month, and Paddle charges it to the saved payment method, issues an invoice and sends it by e-mail. Invoices are also available in the Application on the “Subscription” page. The Customer agrees to receive invoices in electronic form. An Owner changes the payment method in Paddle’s customer portal, linked from the “Subscription” page. Payment card details are processed only by Paddle; LURIP does not receive them. The payment term is 14 days from the calculation of the fee. If a charge fails, Paddle retries it and asks the Owner by e-mail to update the payment method.

  7. If a fee is not paid on time, LURIP sends the Owners a demand for payment by e-mail 14 days after the due date, setting a deadline of 14 days. If the fee is not paid by that deadline, LURIP suspends the Organisation. In a suspended Organisation, Users and Tenants can still view and export data, pay the subscription, delete their account and order deletion of the Organisation; other changes to data are blocked until payment is made. The suspension ends by itself once the overdue fees are paid.

  8. LURIP may raise prices for an important reason: an increase in consumer prices announced by the President of Statistics Poland (GUS), an increase in the cost of infrastructure and supplier services needed to run the Application, or a change in laws or taxes that increases the cost of the service. A price increase may not exceed the cost increase that justifies it. LURIP may lower prices at any time. LURIP informs Customers by e-mail of a change to the price list at least 30 days before it takes effect. A Customer who does not accept the change may, before that date, terminate the contract in accordance with § 11 without additional costs.

§ 7. Rules of use

  1. The Customer and Users use the Application in accordance with the law, the Terms and good practice. In particular, the following are prohibited:
    1. entering unlawful content, including personal data without a legal basis;
    2. sharing an account with other persons instead of inviting them as Users;
    3. circumventing security measures, reading data of other Organisations, load testing and automated scanning without LURIP’s consent, except for reporting vulnerabilities in accordance with § 3(4);
    4. sending unsolicited messages, or messages unrelated to rentals, through the Application.
  2. The Customer is the controller of the personal data of tenants and other persons that it enters into the Organisation. The Customer ensures a legal basis for processing that data and informs those persons about the processing. A template notice for tenants is on the tenant privacy notice template page.
  3. LURIP may restrict access to an account or an Organisation where this is necessary to stop a breach of paragraph 1 that threatens the security of the Application, other Customers or third parties. LURIP gives the Customer the opportunity to explain the matter and sends the Customer a statement of reasons by e-mail: what measure it has taken and for how long, which facts and which provision of the Terms or of law it is based on, whether the decision results from a notice under paragraph 4, and how to challenge it (a complaint under § 13, and also court proceedings). LURIP gives reasons in the same way for terminating the contract because of a breach of paragraph 1 (§ 11(5)). LURIP does not review Customer Data on its own initiative and uses no automated tools to moderate content; decisions are made by a person.
  4. Anyone may notify LURIP of information in the Application that they consider to be illegal content, by e-mail to [email protected]. The notice should contain an explanation of why the information is illegal, a precise indication of where it is located (for example the Organisation name, the document or the address in the Application), the name and e-mail address of the person giving notice, and a statement that the person giving notice believes in good faith that the information and allegations in the notice are accurate and complete. LURIP confirms receipt of the notice without delay, handles it diligently and objectively, without automated tools, and informs the person giving notice of its decision and of the possibility to challenge it (a complaint under § 13) without undue delay.

§ 8. Customer Data and export

  1. Customer Data belongs to the Customer. LURIP processes it only for the purpose of providing the service, in accordance with the DPA, and does not use it for its own purposes, including advertising or training artificial intelligence models.
  2. The Customer may at any time export all Customer Data to CSV, XLSX and ZIP files, including while payments are overdue and while the Organisation is suspended.
  3. The Customer may delete or anonymise the data of an individual tenant in the Application; the settlement amounts remain as the Customer’s financial records.
  4. LURIP staff handling subscriptions can see Organisation data (name, country, number of units, subscription, subscription fees, User accounts), but cannot see data on tenants, contracts, costs or settlements, except for the content and attachments (including screenshots) of reports that a User sends from the panel to support. Sending such a report is the Customer’s instruction within the meaning of the DPA. Technical access to the database is limited to authorised persons and only when necessary to fix a failure or on the Customer’s instruction.

§ 9. Availability and support

  1. LURIP makes efforts to keep the Application available at least 99% of the time in each month, excluding announced maintenance. This is a target, not a guarantee; missing it does not entitle the Customer to a fee reduction, but it does not limit the rights of Consumers and Entrepreneurs with consumer rights in respect of lack of conformity of the service with the contract.
  2. Where possible, LURIP carries out maintenance that requires an interruption between 22:00 and 6:00 Polish time and announces it in the Application or by e-mail at least 24 hours in advance. LURIP may deploy urgent security fixes without notice.
  3. Support is provided by e-mail at [email protected] on working days. LURIP aims to respond within 2 working days and handles reports of failures that prevent use of the Application first.
  4. LURIP makes daily encrypted backups of the database and keeps them for 14 days. Where data is stored is described in the data processing agreement and the list of subprocessors.

§ 10. Liability

  1. LURIP is liable for non-performance or improper performance of the contract on general terms. The limitations in paragraphs 2 to 4 apply only to Customers who are not natural persons and to natural persons who have declared that the contract is of a professional nature for them (§ 4(8)). They do not apply to Consumers or Entrepreneurs with consumer rights.
  2. LURIP’s aggregate liability towards the Customer under the contract is limited to actual loss and to the higher of: the total gross fees paid by the Customer for the subscription in the 12 months before the event that caused the loss, or PLN 2,000.
  3. LURIP is not liable for the consequences of incorrect data entered by the Customer or Users, for the choice of cost split method, for the Customer’s tax decisions or for interruptions caused by force majeure or by a network failure for which LURIP is not responsible.
  4. The limitations in paragraphs 2 and 3 do not apply to damage caused intentionally or through gross negligence, or to liability that cannot be excluded or limited by law.
  5. Towards Consumers and Entrepreneurs with consumer rights, LURIP is liable for the conformity of the digital service with the contract on the terms of the Act of 30 May 2014 on Consumer Rights (ustawa o prawach konsumenta).

§ 11. Termination of the contract and deletion of data

  1. The Customer may terminate the contract at any time by ordering deletion of the Organisation in the Application (Organisation settings, confirmed with a password) or by sending a notice of termination from an Owner’s e-mail address to [email protected]; in the latter case LURIP orders deletion of the Organisation within 2 working days and confirms it by e-mail. The Organisation is deleted after 30 days, at midnight Polish time. Until then it is read-only: the data can be viewed and exported but not changed. Any Owner may cancel the deletion during this time, which restores full access. LURIP sends the Owners an e-mail when the deletion is ordered, 7 days before deletion and after deletion. The contract expires when the Organisation is deleted.
  2. Deleting the Organisation deletes all Customer Data from the Application, as well as the accounts of Users who do not have access to other Organisations. Backups expire in their normal cycle, no later than after 14 days. LURIP keeps records of subscription fees and the data needed for tax settlements for 5 years from the end of the year in which the fee was calculated, and then deletes them automatically. Invoices issued by Paddle are kept by Paddle.
  3. The subscription is not charged for the days of waiting for deletion of the Organisation, from the day it is ordered. If an Owner cancels the deletion, the subscription is charged again from the day of cancellation. Deletion of the Organisation after a trial period without an ordered subscription is described in § 6(2)(4); only ordering the subscription cancels such a deletion.
  4. A User may delete their account at any time on the “Account” page. The account of the only Owner of an Organisation can be deleted only after that role has been transferred to another person or after the Organisation has been deleted.
  5. LURIP may terminate the contract with 90 days’ notice for important reasons, in particular the discontinuation of the service or changes in the law that make it impossible to provide. LURIP may terminate the contract without notice if the Customer, despite a request to stop, seriously breaches § 7(1) or is more than 60 days late with payment.
  6. Before LURIP terminates the contract, the Customer always has the opportunity to export Customer Data.

§ 12. Withdrawal from the contract

  1. A Consumer and an Entrepreneur with consumer rights may withdraw from the contract without giving any reason within 14 days of its conclusion, that is, of the creation of the Organisation. They may withdraw from the paid subscription within 14 days of ordering it (§ 6(2)(1)).
  2. It is sufficient to send a statement before this period expires to [email protected] or by post to LURIP’s address. The model withdrawal form may be used, but this is not obligatory. It is also possible to withdraw with the “Withdraw from contract here” button in Organisation settings and on the “Subscription” page, available for 14 days from the creation of the Organisation and for 14 days from ordering the subscription; the withdrawal is made by clicking “Confirm withdrawal from contract”. Ordering deletion of the Organisation in the Application within this period is also a withdrawal from the contract. LURIP confirms receipt of the withdrawal by e-mail without delay, stating the date and time at which it was made. After withdrawal, the Organisation is deleted in accordance with § 11(1) and (2): for 30 days it is read-only and the data can be exported, and then it is deleted.
  3. Withdrawal during the trial period involves no charges. A Consumer or an Entrepreneur with consumer rights who withdraws from the paid subscription pays nothing for the days from its start to the day of withdrawal; Paddle refunds any fee already charged for those days within 14 days of receiving the statement, to the payment method used to pay.

§ 13. Complaints

  1. A complaint may be submitted by e-mail to [email protected] or by post to LURIP’s address. It is helpful to include the account e-mail address, the Organisation name, a description of the problem and the expected way of resolving it.
  2. LURIP responds to a complaint within 14 days of receiving it, to the e-mail address from which it was sent or to another address indicated. If the complaint does not make it possible to establish whom it concerns or what the problem is, LURIP asks for the missing information; it does not reject a complaint from a Consumer or an Entrepreneur with consumer rights for that reason.
  3. If LURIP does not respond to a complaint from a Consumer or an Entrepreneur with consumer rights within the period in paragraph 2, the complaint is deemed accepted.
  4. A Consumer may use out-of-court complaint and redress procedures, including help from a municipal or district consumer ombudsman (miejski lub powiatowy rzecznik konsumentów) or a voivodeship inspectorate of the Trade Inspection (wojewódzki inspektorat Inspekcji Handlowej). Information is available on the website of the Office of Competition and Consumer Protection (Urząd Ochrony Konkurencji i Konsumentów, uokik.gov.pl). LURIP agrees to take part in proceedings before the voivodeship inspector of the Trade Inspection competent for the Consumer’s place of residence.

§ 14. Personal data

  1. The rules on which LURIP processes personal data as a controller (data of Users, Customers, visitors to the Website and persons writing to LURIP) are described in the privacy policy.
  2. LURIP processes personal data entered by the Customer into the Organisation, in particular tenant data, on behalf of the Customer under the DPA, which the Customer concludes by accepting the Terms. The current list of entities to which LURIP subcontracts processing is on the subprocessors page.

§ 15. Rights to the Application

  1. The Application, its code, appearance, documentation and the Loftsplit and LURIP marks are protected by law. For the duration of the contract, LURIP grants the Customer and its Users a non-exclusive, non-transferable licence to use the Application in accordance with the Terms.
  2. The Customer may use documents generated in the Application from Customer Data (settlements, statements, exports) without restriction.

§ 16. Changes to the Terms

  1. LURIP may change the Terms for important reasons: changes in the law, decisions of public authorities, changes in the scope or manner of providing the services, changes to the price list for the reasons listed in § 6(8), improvements to security or the removal of ambiguities.
  2. LURIP informs Customers of a change by e-mail, stating the content of the changes, and in the Application at least 14 days before it takes effect, and at least 30 days before in the case of a change to the price list. A Customer who does not accept the change may, before it takes effect, terminate the contract in accordance with § 11 without additional costs. For a Customer who ordered deletion of the Organisation before the change took effect, the previous version of the Terms applies until the Organisation is deleted.
  3. Each version of the Terms has a number and a date. LURIP publishes previous versions on the Website and sends them by e-mail on request.

§ 17. Final provisions

  1. The contract is concluded in Polish. The English version of the Terms is provided for information only; in the event of any discrepancy, the Polish version prevails.
  2. The contract is governed by Polish law. For a Consumer from another country, the choice of law does not deprive them of the protection afforded by the mandatory provisions of the law of the country of their habitual residence.
  3. Disputes with Customers who are not natural persons and with natural persons who have declared that the contract is of a professional nature for them (§ 4(8)) are resolved by the court having jurisdiction over LURIP’s registered office. This does not apply to Consumers or Entrepreneurs with consumer rights.
  4. If LURIP Michał Kozioł transforms the business into a capital company under Article 551 § 5 of the Commercial Companies Code (Kodeks spółek handlowych), that company takes over LURIP’s rights and obligations under the contract by operation of law. LURIP informs Customers of this by e-mail at least 30 days in advance.
  5. In other cases, LURIP may transfer its rights and obligations under the contract to an entity that takes over the running of Loftsplit, after notifying Customers by e-mail at least 30 days in advance. A Customer who is neither a Consumer nor an Entrepreneur with consumer rights consents to this by accepting the Terms; it may terminate the contract in accordance with § 11 before the transfer without additional costs. For a Consumer and an Entrepreneur with consumer rights, the transfer requires their consent given in the Application or by e-mail; no reply is not consent. LURIP may terminate the contract with a Customer who does not consent in accordance with § 11(5).
  6. The Terms apply from 12 October 2026.

Annex 1. Data Processing Agreement

The text of the DPA is on the data processing agreement page, and the current list of processors is on the subprocessors page.

Annex 2. Model withdrawal form

(complete and return this form only if you wish to withdraw from the contract)

To: LURIP Michał Kozioł, ul. Zabierzowska 23P/1, 32-005 Niepołomice, Poland, e-mail: [email protected], telephone +48 780 596 994

I/We (*) hereby give notice that I/We (*) withdraw from my/our (*) contract for the provision of the Loftsplit service.

(*) Delete as appropriate.