These Terms of Service set forth the terms and conditions for the provision of electronic services by Causa Finita S.A. via the Ultima RATIO platform. The objective of these Terms is to ensure clarity in the rules of using the Platform, to define the rights and obligations of the Users, and to ensure compliance with the applicable laws, including regulations on personal data protection and digital services.
“Administrator” (Service Provider) – Causa Finita S.A. based in Rzeszów, ul. Tadeusza Rejtana 36, 35-310 Rzeszów, Poland, registered in the KRS under the number 0000640290, responsible for maintaining and providing the services of the Ultima RATIO Platform.
“Platform” - an ICT system at the address https://www.system.ultimaratio.pl, enabling Users, among other things, to verify the payment credibility of contractors, sign electronic documents, conduct settlement discussions, and carry out arbitration proceedings online.
“Arbitration Court” – a unit operating within the Platform, conducting arbitration proceedings electronically, in the countries covered by the Platform's operation.
“User” – an individual holding an Account on the Platform.
“Account” – an individual, password-protected space in the system, enabling the User to use the Platform's services.
“Service Agreement” – an agreement concluded electronically between the Administrator and the User at the moment of selecting a package and making a payment for the services.
The rules define the terms of use for the Platform and constitute the terms of service provision by electronic means as understood by the directives of the European Union regulating the electronic services market and the corresponding national regulations issued on this basis.
The rules apply to Users utilising the Platform within the territories of the countries where the Platform operates.
In international relations, the language of communication is English.
Using the Platform implies acceptance of these Terms, the Privacy Policy, and data processing principles compliant with the GDPR.
The Platform provides electronic services in the territories of the countries where it operates, including in particular:
signing documents with an electronic signature,
verification of the creditworthiness of contracting partners,
conducting settlement negotiations,
Services may be provided to both individuals and businesses.
The range of available functionalities depends on the selected service package.
Account registration requires the User's identity to be verified through electronic identification means compliant with the eIDAS regulation or other methods accepted by the Platform.
During registration, the User is obliged to provide truthful and up-to-date information and to set a strong password.
The User may only have one Account.
The User is obliged not to share the password with third parties and to promptly update information in the event of any changes.
Every tenth login requires additional identity verification.
Users provide declarations of intent and knowledge exclusively in electronic form.
Receipt of declarations occurs through:
email messages,
SMS notifications,
announcements on the Platform.
Draft versions of forms and documents are automatically deleted after 2 months from the date of last modification.
The Administrator provides the technical infrastructure for conducting settlement negotiations and arbitration proceedings.
The Administrator has no influence over the course or outcome of these proceedings and is not responsible for the issued rulings.
The Administrator undertakes to:
ensure the continuity of Platform operations,
restore service availability without undue delay,
provide technical support to Users.
The Administrator is not liable for the consequences of actions by third parties who gained access to data in an unauthorized manner.
Activities aimed at destabilizing the Platform's operation may result in the suspension or deletion of the account.
The User may only use their own Account.
The User is liable for actions performed through their Account.
The User is obliged to:
use the Platform in accordance with the law and good conduct,
not introduce unlawful content or malicious software into the system.
The Administrator processes personal data in accordance with GDPR and the Privacy Policy.
The data is processed within Microsoft's Azure cloud infrastructure, which complies with ISO/IEC 27001, 27701, and 27018 standards.
The platform employs TLS 1.3 encryption, access control, and activity logging within the system.
The Privacy Policy specifies the detailed principles of data processing.
The Ultima RATIO Platform utilises components based on artificial intelligence (AI) to assist in document analysis and process automation.
AI models do not make independent decisions in arbitration proceedings nor do they replace human decisions.
The Administrator ensures transparency in the operation of AI tools – including the User's right to obtain information on how data is processed by these systems.
All AI solutions operate in accordance with principles of ethics, safety, and responsible technology development.
To use the Platform, the following is required:
a device with Internet access,
an up-to-date browser (Chrome, Edge, Firefox, Safari, Opera),
an active email address.
The Platform allows for the transfer of files in standard formats (in particular: *.pdf, *.docx, *.xlsx, *.jpg, *.png, and *.mp4).
The Administrator may remove files that are infected with malicious software.
The Platform employs antivirus protections, anomaly detection systems, and access monitoring.
Each user can initiate the signing of up to 5 documents per month with an advanced signature available on the Platform – without the necessity of registering an organisation's account and the associated payments. They may also be a passive party in debt collection and arbitration cases.
The user enters into a service agreement with the Administrator upon selecting a service package intended for companies and making the payment.
The details of the package selected by the User are available in the organisation account settings, under the "Packages" tab.
When choosing monthly payments, the Platform blocks the ability to use the services 14 days after the unsuccessful expiry of the payment deadline from the pro forma invoice for that month. If the package is paid for the entire year in advance, the User receives a 10% discount; however, if they cancel the service before the end of the paid annual period, the payment is non-refundable.
Arbitration fees are always paid in advance as a formal requirement for filing a lawsuit and replying to it. The rules for their possible refund are specified in the Rules of Conduct for Arbitration Proceedings on the Ultima RATIO platform.
The Platform offers the following payment methods:
bank transfer payment
electronic payment
Electronic payments are made through the following channels: quick bank transfer, BLIK, card payment, and PayPal.
The intermediary for electronic payments is Krajowy Integrator Płatności S.A. ul. Św. Marcin 73/6 61-808 Poznań, operating under the name Tpay. Card payments are handled by Elavon.
In situations where payment has been made as a prepayment and the service cannot be performed due to Platform's fault, the Service Provider is obliged to return the payment within 3 working days from the day the User is informed about the impossibility of performing the service.
Refunds related to complaints are made based on accepted complaints, within a maximum of 14 working days from the positive consideration.
Refunds can be carried out by any payment method agreed upon between the Service Provider and the User.
If a refund is made through electronic payment, it will be made through the same channel that was used for the payment.
Tpay resolves complaints regarding electronic payments on the Platform. The rules for payment complaints applicable at Tpay are described in the document: "Payment Terms and Conditions", which can be found at:
https://tpay.com/user/assets/files_for_download/regulamin.pdfAcceptance of the Terms and Conditions is equivalent to consenting to receive VAT invoices electronically.
An invoice is considered delivered when sent to the User's email address.
Failure to receive an invoice due to reasons beyond the Administrator's control does not release from the payment obligation.
The Administrator is not liable for:
interruptions in the Internet network or failures on the part of the operators,
loss of data for reasons beyond their control,
damages resulting from improper use of the Platform by the User.
The Administrator may introduce changes to the Terms of Service. The amended version is effective from the date of publication.
The Administrator may temporarily restrict access to the Platform for maintenance or threat removal.
In relations with Users, the language used is English or the language of the User's country.
The court competent to resolve disputes is the court with jurisdiction over the Administrator's registered office.