1.1.1. The website available at www.multinor.no is operated by MultiNOR limited liability company in limited partnership, with its registered office in Gdańsk (80-386), ul. Lęborska 3B, entered into the Register of Entrepreneurs of the National Court Register under number KRS: 0000546209, NIP: 584-273-49-23, REGON: 222044787.
1.1.2. Contact with MultiNOR is possible via:
In this Terms of Service, the following terms shall mean:
1.3.1. These Terms of Service define the rules for using the Website, including the rights and obligations of Users and MultiNOR.
1.3.2. The Terms of Service apply to all services provided by MultiNOR through the Website, unless separate agreements or regulations provide otherwise.
1.3.3. Before starting to use the Website, the User is obliged to read these Terms of Service and the Privacy Policy.
1.3.4. Using the Website is tantamount to acceptance of the provisions of these Terms of Service and the Privacy Policy.
1.3.5. MultiNOR provides services within the territory of the Republic of Poland and to Users residing abroad, provided this does not conflict with applicable law.
2.1.1. MultiNOR offers Users translation services, including:
2.1.2. The User may commission a translation via the Website by submitting documents for a quote and accepting the presented offer.
2.1.3. The conditions for carrying out the translation, including the deadline and cost, are determined individually for each order and presented to the User before the service begins.
2.1.4. Sworn translations are delivered to the User in electronic form (scan with the translator's signature) or physical form (original document), according to the User’s choice.
2.1.5. MultiNOR is not responsible for the content of translations performed by independent sworn translators. All complaints in this regard will be forwarded directly to the translator.
2.2.1. MultiNOR provides formal support services in the following areas:
2.2.2. Formal support services are provided based on individual orders placed by Users, in accordance with applicable laws.
2.2.3. MultiNOR makes every effort to ensure that services are performed with due diligence and in accordance with applicable regulations.
2.3.1. MultiNOR enables Users to access general information about financial and insurance products offered by External Partners, such as credit brokers, insurance agents, financial institutions, insurers, electricity providers, currency exchange platforms, online currency exchange services, affiliate programs, etc.
2.3.2. MultiNOR does not provide financial or insurance advice and does not act as an intermediary within the meaning of legal regulations.
2.3.3. The User may use a Partner’s offer through:
2.3.4. MultiNOR is not responsible for the content, quality, or performance of services provided by Partners. The User concludes a contract directly with the Partner under the terms specified by the Partner.
2.4.1. MultiNOR provides Users with the ability to integrate with the GjeldsMonitor tool, which enables monitoring and managing of debt.
2.4.2. Using GjeldsMonitor requires prior registration and acceptance of a separate terms of service provided by the supplier responsible for this tool.
2.4.3. MultiNOR is not responsible for the operation of GjeldsMonitor or for the data presented within this tool.
2.4.4. All matters related to the use of GjeldsMonitor should be directed directly to the service provider responsible for the tool.
2.5.1. Registration and Login
2.5.1.1. Registration
a) Standard registration:
b) Registration via Google account:
2.5.1.2. Login
a) Standard login:
b) Login via Google account:
2.5.1.3. User Session
2.5.2. Account Functionalities
2.5.2.1. The User Account allows:
2.5.3. Account Security
2.5.3.1. The User is obliged to:
2.5.3.2. Two-Factor Authentication (2FA):
2.5.3.3. Updating contact information:
2.5.3.4. Technical safeguards:
2.5.4. Account Deletion
2.5.4.1. The User may delete their User Account at any time by using the appropriate function available in the Account settings or by contacting MultiNOR customer support.
2.5.4.2. Account deletion results in:
2.5.5. Personal Data Protection
2.5.5.1. Personal data processed within the Account are protected in accordance with the Privacy Policy and applicable legal regulations, including the GDPR.
2.5.6. Termination of the Agreement by the User
2.5.6.1. The User has the right to terminate the agreement for the provision of electronic services with MultiNOR at any time, without giving a reason.
2.5.6.2. Termination of the agreement takes place by submitting a declaration of intent to terminate the agreement, sent to the email address: info@multinor.no or in writing to the registered address of MultiNOR.
2.5.6.3. The agreement is terminated upon receipt by MultiNOR of the User's declaration of termination.
2.5.6.4. Upon termination of the agreement, the User Account is deleted, and the User's personal data are processed in accordance with the Privacy Policy and applicable legal regulations.
2.6.1. MultiNOR provides Users with an AI Assistant that:
2.6.2. The User acknowledges that the AI Assistant is a support tool and may not fully replace contact with a consultant.
2.6.3. The AI Assistant may process User data to improve the quality of services provided, in accordance with the Privacy Policy.
2.6.4. For questions or issues requiring human intervention, the User should contact MultiNOR customer service directly.
2.7.1. Payment Methods
2.7.1.1. MultiNOR provides the following payment methods for services:
2.7.2. Payment Deadlines
2.7.2.1. Payment for services provided by MultiNOR is made in advance unless the service terms specify otherwise.
2.7.2.2. The payment deadline is specified in the offer presented to the User before the service begins.
2.7.3. Payment Delays
2.7.3.1. In the event of a payment delay, MultiNOR has the right to suspend the service until payment is received.
2.7.3.2. If the delay exceeds 14 days, MultiNOR may withdraw from the agreement due to the User's fault.
2.7.4. Refund Policy
2.7.4.1. The User has the right to a refund in the following cases:
2.7.4.2. The refund will be made using the same method as the original payment, unless otherwise agreed by the parties.
2.7.4.3. In case of cancellation after the service has started, the User may be charged costs proportional to the scope of services already performed.
2.8.1. Communication Related to Service Delivery
2.8.1.1. By registering on the Website and accepting these Terms of Service, the User agrees to receive from MultiNOR the information necessary for the proper provision of services, including:
2.8.1.2. The communication referred to in section 2.8.1.1. may be conducted electronically (email, SMS) or by phone.
2.8.1.3. This type of communication is necessary for the proper provision of services by MultiNOR and does not require separate consent from the User.
2.8.2. Marketing Communication
2.8.2.1. The User may additionally give separate consent to receive from MultiNOR commercial and marketing information regarding its own products and services as well as those of External Partners, including:
2.8.2.2. Consent to receive marketing communication is voluntary and does not affect the possibility of using the Website or the services provided.
2.8.2.3. The User may withdraw their consent to receive commercial and marketing information at any time by contacting MultiNOR or using the appropriate functionalities available on the Website (e.g., unsubscribe link in an email).
2.8.3. Contact Data
2.8.3.1. To ensure effective communication, the User agrees to provide current and accurate contact data, including an email address and phone number.
2.8.3.2. The User is obliged to promptly update their contact details in case of any changes.
2.9.1. MultiNOR reserves the right to make changes to the services offered, add new functionalities, or remove existing ones.
2.9.2. All significant changes to the scope of services provided will be communicated to Users in advance via the Website or electronically.
2.9.3. Continued use of the Website after changes are introduced constitutes the User's acceptance of the new service terms.
2.10.1. MultiNOR applies advanced security measures to protect User data and transactions, including:
2.10.2. The User agrees to exercise caution when using the Website, in particular:
3.1.1. Using the Website requires meeting the following minimum technical requirements:
3.1.2. MultiNOR is not responsible for technical problems or limitations of the User's hardware, mobile devices, or software that may affect the Website's operation.
3.2.1. The User agrees to use the Website in accordance with these Terms of Service, applicable law, and the principles of social coexistence.
3.2.2. The User agrees to:
3.3.1. The User is fully responsible for the content and information provided through the Website, including their accuracy, reliability, and compliance with the rights of third parties.
3.3.2. If the User is found to have violated these Terms of Service or applicable laws, MultiNOR has the right to:
3.4.1. MultiNOR makes every effort to ensure that the use of the Website is safe for Users, in particular by applying appropriate technical and organizational measures.
3.4.2. The User is obliged to:
3.5.1. All content available on the Website, including texts, graphics, logos, icons, images, audio and video files, is the property of MultiNOR or used with the consent of authorized entities.
3.5.2. The User has the right to use the content available on the Website solely for personal use.
3.5.3. Copying, modifying, distributing, transmitting, or using the content of the Website for commercial purposes without prior written consent from MultiNOR is prohibited.
3.6.1. The Website may contain links to websites operated by third parties.
3.6.2. MultiNOR is not responsible for the content or privacy policies of those websites.
3.6.3. Use of such websites is at the User's own risk, and they should review the terms and privacy policies applicable to those sites.
3.7.1. MultiNOR reserves the right to:
3.8.1. The User may use the AI Assistant to obtain support and information regarding services provided by MultiNOR.
3.8.2. The AI Assistant is a support tool and does not replace contact with a consultant in matters requiring individual attention or analysis.
3.8.3. MultiNOR is not responsible for decisions made by the User based on information obtained from the AI Assistant.
3.9.1. According to Article 38 of the Consumer Rights Act, the User who is a consumer has no right to withdraw from the contract for service provision if:
3.9.2. By requesting the commencement of the service before the expiration of the withdrawal period, the User consents to the loss of the right to withdraw from the contract.
3.9.3. In the case of services individually ordered by the User that are non-returnable and produced according to the consumer’s specifications or to meet their individual needs, the right of withdrawal does not apply in accordance with Article 38(3) of the Consumer Rights Act.
3.9.4. The User’s express consent to start the service before the withdrawal period and the information about the loss of the right to withdraw will be obtained by checking the appropriate box during order placement.
3.9.5. In cases where the right of withdrawal applies, the User may withdraw from the contract within 14 days from the date of its conclusion without giving any reason.
3.9.6. To exercise the right of withdrawal, the User must inform MultiNOR of their decision by sending a clear statement via email to: info@multinor.no or by post to MultiNOR’s registered office address.
3.9.7. The User may use the sample withdrawal form, which constitutes Appendix No. 1 to these Terms and Conditions, but it is not mandatory.
3.9.8. In the event of a valid withdrawal from the contract, MultiNOR will refund all received payments without delay, no later than within 14 days from the date of receipt of the withdrawal statement.
3.10.1. By submitting materials (e.g., documents for translation), the User declares that they are authorized to share them and that they do not infringe on the rights of third parties.
3.10.2. The User grants MultiNOR a non-exclusive, royalty-free license to use the submitted materials solely for the purpose of providing services in accordance with these Terms and Conditions.
3.10.3. MultiNOR undertakes to maintain the confidentiality of submitted materials and not to disclose them to third parties, except entities involved in the service provision (e.g., sworn translators), under the terms set out in the Terms and Conditions and Privacy Policy.
3.11.1. Use of the Website and services offered by MultiNOR is intended for individuals who are at least 18 years old and have full legal capacity.
3.11.2. Minors may use the Website only with the consent and under the supervision of a parent or legal guardian.
3.11.3. MultiNOR is not responsible for actions of minors performed without the knowledge and consent of their parents or legal guardians.
3.12.1. MultiNOR communicates with Users through:
3.12.2. The User undertakes to regularly check their email inbox and notifications within the Website.
3.12.3. All information provided by the above-mentioned means shall be deemed effectively delivered at the moment it is sent by MultiNOR.
3.13.1. The Website may contain affiliate links and advertisements of products and services from External Partners.
3.13.2. Clicking on an affiliate link may result in MultiNOR receiving financial or other compensation.
3.13.3. MultiNOR informs Users about the nature of affiliate links and advertisements, in accordance with applicable laws.
3.13.4. The User chooses to use the offers of External Partners voluntarily and at their own responsibility.
3.14.1. The provisions of these Terms and Conditions do not affect the rights of consumers arising from applicable laws, in particular the Consumer Rights Act.
3.14.2. In the event of a conflict between the provisions of the Terms and Conditions and consumer protection laws, the latter shall prevail.
3.14.3. A User who is a consumer has the right to warranty for defects in the services provided by MultiNOR, in accordance with the provisions of the Civil Code.
3.15.1. The User has the right to report to MultiNOR any abuse, security breaches, or other undesirable actions related to the use of the Website.
3.15.2. Reports should be sent to the email address: info@multinor.no or via the contact form on the Website.
3.15.3. MultiNOR undertakes to promptly take appropriate actions to investigate the reported matter and ensure the security of Users.
4.1.1. MultiNOR uses Artificial Intelligence (AI) and Optical Character Recognition (OCR) technologies to improve service delivery, in particular:
4.1.2. AI technology is used, among others, within the AI Assistant, which supports Users in navigating the Website, answering questions, and recommending services.
4.1.3. OCR technology is used for digital processing of documents provided by Users, enabling faster and more efficient service delivery.
4.2.1. By submitting documents to the Website, the User consents to their processing using AI and OCR technologies.
4.2.2. The User is informed about the use of these technologies during the service provision process and accepts the related conditions.
4.2.3. The User has the right to withdraw their consent to data processing by AI and OCR at any time; however, this may prevent or hinder the provision of some services.
4.3.1. MultiNOR ensures that the AI and OCR technologies used on the Website meet the highest security standards and comply with applicable laws, including GDPR.
4.3.2. Data processing by AI and OCR is carried out with confidentiality and the application of appropriate technical and organizational measures.
4.3.3. MultiNOR does not share User data with third parties without the User's express consent, unless it is necessary for service provision or required by applicable law.
4.3.4. Detailed information on personal data processing can be found in the Privacy Policy.
5.1.1. Right to use the Website:
5.1.2. Right to personal data protection:
5.1.3. Right to submit comments and complaints:
5.1.4. Right to withdraw from services:
5.2.1. Compliance with the Terms and Conditions:
5.2.2. Providing true data:
5.2.3. Protecting login credentials:
5.2.4. Not submitting unlawful content:
5.2.5. Respect for intellectual property rights:
5.3.1. Service provision:
5.3.2. Personal data protection:
5.3.3. Website maintenance:
5.3.4. Right to modify services:
5.3.5. Right to block an account:
5.3.6. Communication with the User:
6.1.1. MultiNOR provides services with due diligence but does not guarantee that the Website will be error-free or uninterrupted due to technical reasons or causes beyond MultiNOR's control.
6.1.2. MultiNOR is not liable for the consequences resulting from the User's use of the Website in a manner inconsistent with the Terms, applicable law, or principles of social coexistence.
6.1.3. MultiNOR is not responsible for the content transmitted and published by Users on the Website, including the accuracy of the data provided by them and any violations of third-party rights.
6.1.4. To the extent permitted by applicable law, MultiNOR shall not be liable for lost profits, indirect or consequential damages incurred by the User in connection with the use of the Website.
6.1.5. MultiNOR is not liable for the actions or omissions of Translators or External Partners with whom the User enters into direct agreements.
6.2.1. The Website may contain links to websites or services provided by External Partners. MultiNOR does not control and is not responsible for the content, privacy policies, or practices of those websites or services.
6.2.2. MultiNOR is not liable for the quality, timeliness, or legality of services provided by External Partners, including sworn translators cooperating with MultiNOR as intermediaries.
6.2.3. Any claims, complaints, or grievances related to services provided by External Partners should be directed to those entities directly.
6.3.1. The User has the right to file complaints concerning the operation of the Website and services provided by MultiNOR.
6.3.2. Complaints should be submitted in writing or electronically to the email address: info@multinor.no or via the contact form available on the Website.
6.3.3. The complaint should include at least:
6.3.4. MultiNOR will consider the complaint within 14 calendar days of its receipt. In justified cases, this period may be extended, in which case the User will be informed along with the reason for the extension.
6.3.5. The response to the complaint will be sent to the User at the email address provided or another indicated method of communication.
6.3.6. In the event of a rejected complaint, the User has the right to:
6.3.7. MultiNOR reserves the right to ignore complaints that are unrelated to its operations or based on unfamiliarity with these Terms.
6.4.1. To the maximum extent permitted by law, MultiNOR is not liable for:
6.4.2. MultiNOR does not guarantee that the Website will operate without interruptions or errors and that any issues will be immediately resolved.
6.5.1. MultiNOR is not liable for failure to perform or improper performance of its obligations under these Terms due to force majeure.
6.5.2. Force majeure refers to events beyond MultiNOR’s control that could not have been foreseen or prevented, including but not limited to: natural disasters, wars, strikes, failures of telecommunications networks, power outages.
6.5.3. In the event of force majeure, MultiNOR undertakes to inform Users of the situation promptly and take actions to resume service provision as quickly as possible.
7.1.1. MultiNOR reserves the right to amend these Terms at any time for valid reasons, such as changes in the law, expansion or modification of Website functionalities, or changes in the scope of services provided.
7.1.2. Users will be informed of any changes to the Terms via:
7.1.3. Changes to the Terms come into effect on the date indicated by MultiNOR, but not less than 14 days from the announcement.
7.1.4. Continued use of the Website after the Terms come into effect constitutes acceptance by the User. If the User does not accept the changes, they have the right to delete their User Account and stop using the Website.
7.2.1. The governing law for these Terms and agreements concluded between the User and MultiNOR is Polish law, subject to mandatory provisions of the law of the User's country of residence.
7.2.2. In case of use of the Website by Users from outside Poland, different consumer protection laws may apply. These Terms do not exclude or limit the consumer rights arising from the laws of the User's country of residence.
7.2.3. All disputes arising from the use of the Website or services will be resolved by the common courts competent for MultiNOR's registered office, unless mandatory provisions of law state otherwise.
7.3.1. All questions, comments, or complaints related to the Website or services may be directed to MultiNOR via:
7.3.2. MultiNOR will make every effort to respond to User inquiries as soon as possible, but no later than 14 business days after receipt.
7.4.1. These Terms come into force on 18.12.2024 and are valid for an indefinite period.
7.4.2. The Terms are available free of charge to all Users on the Website in a form that allows them to be obtained, reproduced, and stored.
7.5.1. In matters not regulated by these Terms, the provisions of Polish law shall apply, in particular the Civil Code, the Act on Providing Services by Electronic Means, and the Consumer Rights Act.
7.5.2. The invalidity of any provision of the Terms does not affect the validity of the remaining provisions. In place of invalid provisions, relevant legal regulations shall apply.
7.5.3. The current version of the Terms is available on the Website in a way that allows it to be obtained, reproduced, and stored.