Terms of Service

§ 1General provisions

1. These Terms of Service govern the use of the Cresh website available at cresh.me and cresh.pl and the Cresh application (hereinafter the “Service”).
2. The service provider is CRESH GROUP spółka z ograniczoną odpowiedzialnością (a Polish limited liability company), with its registered office at ul. Tadeusza Zielińskiego 55/65, 53-533 Wrocław, Poland, entered in the Register of Entrepreneurs of the National Court Register by the District Court for Wrocław-Fabryczna in Wrocław, 6th Commercial Division of the National Court Register, under KRS number 0001212096, NIP 8993044448, REGON 543523306, with a share capital of PLN 5,000, email: info@cresh.me (hereinafter “Cresh”).
3. These Terms constitute the terms and conditions referred to in the Polish Act on the Provision of Electronic Services. We make them available free of charge in a format that can be downloaded, saved, and printed.

§ 2Definitions

§ 3Services

1. Cresh provides the following services: a Demo without registration, delivery of the Demo result to a provided email address, Account management, and access to Analyses under Plans.
2. The Demo and delivery of the Demo result are free of charge. The agreement for these services is concluded for the duration of their use.
3. The Account agreement is concluded for an indefinite period when the Account is created. You may terminate it at any time by deleting your Account or writing to info@cresh.me. The effects of deleting the Account on the subscription are described in § 6.

§ 4Technical requirements

To use the Service, you need a device with internet access, an up-to-date browser (Chrome, Safari, Firefox, or Edge) with JavaScript enabled, and an email address for your Account and reports.

Using the internet involves common risks, such as malware and phishing. Do not share your Account password with anyone.

§ 5Plans, prices, and payments

1. Current Plans and prices are listed in the pricing section. The prices in the table match the pricing section. Prices for Consumers include applicable taxes.
2. A Plan is a monthly subscription. It renews automatically for the next Billing period until you cancel it (§ 6). The fee is charged in advance for each Billing period.
3. Payments and subscriptions are handled by Stripe (Stripe Payments Europe, Ltd.). When you buy a Plan, including one with a trial, you provide a payment card. The available payment methods are shown in the Stripe payment form.
4. Cresh does not store card numbers. We store only the card brand, the last 4 digits of the card number, and the Stripe customer and subscription identifiers.
5. We issue invoices electronically and send them to the Account email address.
6. Features marked as “coming soon” in the pricing section (comparing Analyses in Premium and Max; in Max also custom metrics and Configurations, automations, and API) are announcements. They are not part of the offer until we release them. Their release schedule may change.
7. We will inform you of any Plan price change by email at least 14 days before the new period. If you do not agree, you can disable renewal.
8. Enterprise Plan terms are agreed individually in a separate contract. In case of conflict, that contract prevails over these Terms.

§ 6Trial, Plan changes, and cancellation

1. The trial applies only to the Start Plan and is available once per Account. An Account that has ever had a subscription will not receive it again. It is also available only once per email address (aliases of the same mailbox count as one address) and once per payment card: if the email address has already had a trial, it is not offered, and if the same card has, we cancel the subscription without charge (details in the Privacy Policy). The trial lasts 5 days. During it, you can run up to 2 Analyses from a pool of 720 CC.
2. When the trial ends, Stripe automatically charges the Start Plan fee unless you cancel the subscription before then. If there is no saved payment method when the trial ends, the subscription is canceled without a charge.
3. You can cancel the subscription at any time in the billing portal available in your Account settings. You keep access and your unused Cresh Coins until the end of the paid period; after that, the subscription does not renew. We do not refund the part of the period that has already passed, subject to the right of withdrawal (§ 11).
4. Upgrading (Start → Premium → Max): we charge the full price of the new Plan immediately, with no credit for the unused part of the previous Plan. A new Billing period starts at that moment. You receive the full pool of the new Plan, and the remaining pool of the previous Plan expires. If the payment fails, the Plan does not change. Upgrading during the trial ends the trial.
5. Downgrading takes effect from the next Billing period. Until then, you keep your current Plan and its pool.
6. If the payment for the next period fails, you can use the Plan until the end of the paid period. If the payment is not made by then, you cannot start new Analyses. We do not grant a new Cresh Coins pool until the payment succeeds. You can still view finished reports.
7. Deleting the Account cancels the subscription immediately. Unused Cresh Coins are lost, and the fee for the current period is not refunded pro rata. Stripe keeps the payment customer data, and we keep invoices and billing data for the period required by law (Privacy Policy).

§ 7Cresh Coins

1. Cresh Coins (CC) are a unit of account within the application. Cresh Coins are not legal tender, cannot be exchanged for money, and cannot be transferred to another Account. The value 1 CC = 0.01 USD is given only to explain prices.
2. The price of one Analysis is 100 CC to launch plus 20 CC for each metric of the chosen Configuration. The rate is the same in every Plan. Examples: an Analysis with 4 metrics costs 180 CC, and one with 12 metrics costs 340 CC. You see the exact cost before you start an Analysis, and in the marketplace next to each ready Configuration.
3. Each paid Billing period, and the trial, grants a pool of Cresh Coins according to the Plan (§ 5). Cresh Coins not used by the end of the period expire and do not roll over to the next period. A new period replaces the previous pool (§ 6(4)).
4. Starting an Analysis immediately reserves its price from the pool, so parallel Analyses cannot exceed the pool. If the pool does not have enough Cresh Coins, the Analysis does not start. We never stop a running Analysis for lack of Cresh Coins.
5. When an Analysis completes successfully, we charge exactly the reserved amount. If an Analysis fails, is canceled, or times out, the whole reservation returns to the pool. Such an Analysis does not count toward the limit of 2 Analyses in the trial.
6. Cresh settles reservations that were not closed (for example, because of a technical problem) automatically, according to the result of the Analysis. A reservation open when a new period begins is settled from the new period’s pool.
7. In the Max Plan, you can switch on overage and set its monthly limit. Once the pool is used up, you pay 0.01 USD per 1 CC for additional Cresh Coins, up to the limit you set.
8. Cresh Coins cannot be purchased separately in other Plans. The pool in the Enterprise Plan is set by the contract.
9. Cresh Coins spent on completed Analyses are not refunded. Released reservations return to the pool automatically. We may correct balance errors. Circumventing limits, including using the trial more than once, may result in the Account being blocked (§ 10).
10. We keep a record of every grant, reservation, charge, release, and expiry of Cresh Coins. How long we keep it is described in our Privacy Policy.

§ 8Nature of Analyses

1. Analyses are provided for informational and educational purposes only. They are prepared with the help of artificial intelligence models, based on data entered by the User and publicly available information that the analysis engine searches for on the internet.
2. Analyses do not constitute investment advice, investment recommendations, or information recommending or suggesting an investment strategy within the meaning of the laws governing trading in financial instruments and the Market Abuse Regulation (MAR). They also do not constitute legal or tax advice or a valuation of real estate or a business.
3. Analyses may contain errors and may be incomplete or outdated. We do not guarantee their accuracy or any particular outcome.
4. You make financial decisions independently and at your own risk.

§ 9Your content and artificial intelligence

1. The ideas, files, and answers you enter, and the Analysis reports prepared for you, belong to you to the extent you hold rights to them. You are responsible for having the right to enter them into the Service.
2. You grant Cresh a non-exclusive, royalty-free license to store and process this content only to the extent needed to provide the service, including passing it to the providers listed in the Privacy Policy.
3. We do not use your ideas for our own business and do not train artificial intelligence models on them beyond performing the Analysis for you.
4. To find publicly available information, the analysis engine sends queries derived from your idea to an external search engine (Perplexity). Do not include personal data of other people or information that must stay confidential in your ideas.
5. Configurations published in the marketplace are publicly available; they are published by their authors. We do not make your Analyses and reports public.

§ 10User obligations

You must not:

• submit unlawful content,
• automatically extract data from the Service (scraping) or overload it in a way that disrupts its operation,
• attempt to circumvent security measures, decompile, or copy the Service software,
• circumvent Plan limits or create additional Accounts to use the trial again,
• share your Account with third parties unless the Enterprise Plan allows it.

If these rules are violated, we may block the Account after first requesting that the violation cease, or without prior notice in the case of a serious violation.

§ 11Right of withdrawal

1. A Consumer or an Entrepreneur with consumer rights may withdraw from a distance contract within 14 days of its conclusion without giving a reason. It is sufficient to send a withdrawal statement to info@cresh.me.
2. If you expressly request that the service begin before this period expires and then withdraw from the contract, you will pay a proportionate amount for services provided up to the time of withdrawal.
3. The right of withdrawal does not apply if the service has been fully performed with your express consent, after you were informed that you would lose the right of withdrawal upon full performance, or in other cases specified in the Polish Consumer Rights Act.
4. Refunds are made within 14 days of receipt of the withdrawal statement, using the same payment method you used.

§ 12Complaints

1. Send complaints to info@cresh.me. Describe the issue, provide your Account email address, and state your preferred resolution.
2. We will respond within 14 days. Failure to respond within this period means the complaint is accepted.
3. Consumers and Entrepreneurs with consumer rights have the remedies for a digital service not conforming to the contract, as provided by the Polish Consumer Rights Act.

§ 13Out-of-court dispute resolution

Consumers may seek assistance from a municipal or district consumer ombudsman, consumer organizations, or mediation or arbitration courts operating at provincial offices of the Trade Inspection Authority. Information is available on the website of the Polish Office of Competition and Consumer Protection (UOKiK).

§ 14Copyright

The Service, its software, formulas, layout, and content are protected by law. You may use Analyses for your own purposes, including within your business. Publishing Analyses with attribution to “Cresh” is permitted.

§ 15Liability

1. We make reasonable efforts to keep the Service operating without interruption. We may schedule maintenance downtime and will announce it in advance where possible.
2. For Users who are neither Consumers nor Entrepreneurs with consumer rights, the liability of Cresh is limited to actual damages and to the amount paid for the Plan in the preceding 12 months. This limitation does not apply to damage caused intentionally.
3. These Terms do not exclude or limit Consumer rights arising from mandatory provisions of law.

§ 16Changes to the Terms

We may amend these Terms for important reasons, such as changes in law, changes to the scope of services, or security considerations. We will notify you by email at least 14 days before the changes take effect. If you do not accept the changes, you may terminate the agreement before they take effect.

§ 17Final provisions

1. These Terms are governed by Polish law. This choice of law does not deprive Consumers of the protection afforded by mandatory provisions of the law of their country of habitual residence.
2. Matters not covered by these Terms are governed by the Polish Civil Code, the Act on the Provision of Electronic Services, and the Consumer Rights Act.
3. The rules for processing personal data are described in our Privacy Policy.