Terms and Conditions

General provisions

These Regulations are addressed both to customers using the Website and define the rules of its use as well as the rules and procedure for concluding Sales Agreements with the Customer at a distance via the Website. Upon acceptance of the Regulations, the Customer declares that he has read its content, agrees to its terms and undertakes to comply with them.

The website “BKajder”, available at https://Bkajder.com/, is run by Barbara Kajder, 104 Gilders road, Chessington, KT9 2AN.

Contact email: contact@bkajder.com


  • Consumer – a natural person concluding a contract with the Seller as part of the Store, the subject of which is not directly related to its business or professional activity.
  • Administrator – Barbara Kajder, contact@bkajder.com
  • Customer – any entity making purchases via the Website.
  • Website – website maintained by the Administrator at the internet address https://BKajder.com
  • Distance contract – contract concluded with the Customer as part of an organized system of concluding distance contracts (as part of the Website), without the simultaneous physical presence of the parties, with the sole use of one or more means of distance communication up to and including the conclusion of the contract.
  • Regulations – these Regulations of the Website.
  • Purchase – a Product sales contract concluded or concluded between the Customer and the Seller via the Online Store, made after clicking the “Order” button.
  • Purchase form – an interactive form available on the Website that allows you to make a purchase, in particular by adding Products to the Cart and defining the terms of the Sales Agreement, including the method of delivery and payment.
  • Cart – an element of the website software in which the Products selected for purchase are visible, and it is also possible to determine and modify the Order data, in particular the quantity of products.
  • User Account – a part of the Website available to the User after entering the login and password, and prior registration, by means of which the User may perform specific activities within the Store.
  • Product – a non-movable item available on the Website that is an electronic subject of the Sales Agreement between the Customer and the Administrator.

Personal data

When using the Website, you may be asked to provide some of your personal data by filling in a form or otherwise. Failure to provide the required data will block the activity that the data related to. All information on the processing of personal data by us can be found in the Privacy Policy.

Subscription to free magazines and texts

Subscribing to electronic and free magazines and / or SMSs belonging to the Administrator requires providing your name and e-mail address or telephone number in the appropriate form. These fields are mandatory. Data obtained in this way are added to the mailing list and / or to the Administrator’s telephone number database.

The e-mail address is necessary to be able to send the journal number to the reader. First name allows you to refer to readers by first name. The telephone number allows you to send informational and marketing messages.

Ordering services and products

In order to make a purchase:

Select the Product that is the subject of the Order, and then click the “Order” button
Fill out the Order Form by entering the data of the recipient to whom the electronic shipment of the Product is to take place, select the type of shipment (method of delivery of the Product) and enter the invoice data if they are different from the recipient’s data.
Click the “Buy and pay” button and choose one of the available payment methods and depending on the payment method, pay for the order within the specified period.
In the case of payment by credit card, customer service is carried out by the payment operator (eg PayPal). In this case, only the payment operator knows and is responsible for the data provided in its forms. The payment operator’s forms are located on its server and are encrypted with appropriate technologies.

Acceptance and execution of orders

The administrator sells products and services via the Internet. Information about products and services is published by the Administrator on the website bkajder.com. The offer is updated on a current basis.
Orders from customers are accepted via the bkajder.com website, 7 days a week, 24 hours a day.
The condition for using the full range of services provided on the Website is the use of a device communicating with the Internet and equipped with a web browser.
The Administrator, to the fullest extent permitted by law, shall not be liable for any disruptions, including interruptions in the functioning of the Website, caused by force majeure, unlawful actions of third parties or incompatibility of the Website with the Customer’s technical infrastructure.
The condition for using the full range of services provided on the Website is the use of a device communicating with the Internet and equipped with a web browser.
It is forbidden for the Customer to provide illegal content. If the Administrator receives an official notification or reliable information about the unlawful nature of the stored data provided by the Customer, the Administrator may prevent access to this data
Viewing the products available on the Website is free of charge.
Information about products constitutes an invitation to conclude a contract within the meaning of Art. 71 of the Civil Code. By submitting the order, the Customer submits an offer to conclude a sales contract for the ordered products or services from the Website. Each payment made by the Customer – with the exception of the payment made upon receipt of the order – is, until the Administrator sends the confirmation of acceptance of the order for execution, a prepayment for the order. As a result of the order placed by the Customer, the Administrator sends the Customer the specification of the order made by the Customer to the e-mail address provided by the Customer. The specification referred to in the preceding sentence does not constitute a confirmation of the order being accepted for execution. At this moment, the sales contract between the Administrator and the Customer is considered concluded.
By concluding a sales contract with the Administrator and accepting the provisions of the Regulations, the Customer agrees to issue and provide bills in electronic form, in accordance with art. 106n paragraph. 1 of the Act of March 11, 2004 on tax on goods and services (Journal of Laws of 2004, No. 54, item 535, as amended).
The consent to make bills available in electronic form is tantamount to resignation from receiving paper bills. However, the Customer’s acceptance of issuing and sending invoices in electronic form does not exclude the right to issue and send paper invoices. In the event of the Customer’s objection expressed in writing or via e-mail, the Administrator will provide the Customer with a paper invoice, sending it separately to the address to which the invoice is to be issued.

The administrator will issue an invoice within 14 days of completing the order. The administrator issues and provides bills in electronic form in a manner that guarantees the authenticity of their origin and the integrity of their content. Each bill in electronic form will be made available to the Customer via e-mail to the e-mail address provided by the Customer when placing the order.
If it is not possible to complete the entire order or part of it, the Administrator will notify the Customer about this fact within 14 days of receiving it at the latest. The notification will be sent to the e-mail address provided by the Customer in the order form.
If it is not possible to fulfill part of the order referred to in paragraph 12 above, the Customer is informed about the status of the order and decides how to execute it. The administrator waits for the Customer’s decisions 24 hours from the moment of sending the e-mail with the request for the decision. In the absence of the Customer’s decision, the Administrator will cancel the unavailable item from the order and send the remaining product or products that are reserved for him.
If it is not possible to complete the entire order, the Administrator will cancel the order, the Customer will receive information in accordance with paragraph 13 above.
If the order has been paid for by the Customer and it has been canceled in whole or in part, the Administrator will refund the money in the amount of the canceled products or in the event of cancellation of the entire order, in the amount of the entire order, in accordance with the rules described in the “Refunds to Customers” section
In the absence of payment for the product covered by the order within 7 days from the date of confirmation of the order for execution, as referred to in paragraph 7 above, the Administrator will cancel the order.
If the customer pays for part of the order, the money will be returned to his account number or card – in accordance with the rules described in the section: “Refunds to customers”.
A limited number of products are intended for promotional and sales sales. Orders are processed in the order in which orders are received, until the stocks covered by this form of sale on the Website are exhausted.
The rules for the sale of multimedia courses, e-books and mp3 audiobooks are regulated in the section “Rules for the sale of electronic files”.
Rules for the sale of electronic files

An order covering Multimedia Courses, E-books or mp3 Audiobooks cannot be combined with an order covering other products available on the Website, creating a separate basket. An individual order may include only one copy / piece of a given E-book or audiobook mp3.
When placing an order, the Customer should read the technical requirements, the description of a given Multimedia Course, E-book or mp3 Audiobook, which contains, in addition to other data, the provisions on the license scope for a given file and the file type.
The implementation of the order containing the Multimedia Course, E-book or MP3 Audiobook begins after the Administrator receives confirmation of the correct payment from the payment operator.
The customer can use the following payment methods: credit card or electronic transfer.
All prices of Multimedia Courses, E-books and mp3 Audiobooks posted on expertia.com.pl are given in Polish zlotys and are gross prices, excluding VAT, as the Administrator is not a VAT registered entity.
After receiving the confirmation of payment, within a maximum of 48 hours, the Administrator will send the Customer, to the Customer’s e-mail address provided during the order, information about the confirmation of receipt of the payment and the method of downloading the file containing the Multimedia Course, E-book or MP3 Audiobook. Receiving an e-mail with a link to a multimedia course, E-book or mp3 audiobook may disable the possibility of withdrawing from the contract regarding this file on the terms set out in the “Right to withdraw” section.
Along with the information referred to in section 6 above, the invoice will be made available in electronic form.
If the execution of the order turns out to be impossible, the Administrator informs the Customer about it by sending information to the e-mail address provided by the Customer when placing the order. If the Customer pays for the order, the Administrator will refund the funds to the bank account indicated by the Customer.
The Administrator is not responsible for failure to deliver an e-mail with information regarding the implementation of orders, if the above is caused by reasons solely on the Customer’s side (e.g. an overflowing e-mail box or an incorrect address provided).

The rules for using the multimedia courses, e-books and mp3 audiobooks: the purchase entitles you to use the multimedia course, e-book or mp3 audiobook by the customer who purchased the file, only for his own use, subject to further restrictions set out in the Regulations and / or in the description attached to a given file, including those used by the Administrator or another entity of technical security. Subject to the mandatory provisions of the Act of February 4, 1994 on copyright and related rights (Journal of Laws of 2006, No. 90, item 631, as amended), the Customer is not entitled to distribute or make available the purchased Multimedia Course , E-book, mp3 audiobook, its fragments, copies for commercial purposes, making changes or any kind of modification of the file, removing file errors.
The customer is entitled to file a complaint if:
the downloaded multimedia course, E-book or Audiobook mp3 is damaged,
the downloaded multimedia course, E-book or mp3 Audiobook does not start (after receiving an e-mail with a link leading to the download page and after meeting all technical requirements necessary to open the file in the ordered format),
The downloaded Multimedia Course, E-book or Audiobook mp3 does not match the description or is incomplete
within 48 hours of making the payment, the Customer will not be able to download a file containing a Multimedia Course, E-book or MP3 Audiobook.

In this case, the customer should submit a complaint by sending a message to the following address: contact@bkajder.com  and providing the order number to which the complaint relates. The administrator, within 14 days of receiving the complaint, will respond to it and inform the customer about the method of considering the complaint.

Unannounced Messages

The administrator reserves the right to send unsolicited messages to people whose contact details he has and who have consented to it.

Unannounced messages are understood by the Administrator as information relating directly to its websites, magazines, services and products (e.g. changes, internal promotions), non-commercial letters (e.g. wishes, personal comments, etc.) and commercial information, the shipping of which has been paid for by customers. Administrator.

Entities ordering commercial mailings do not have access to the contact details of persons on the Administrator’s mailing lists. Commercial information is filtered as much as possible, its size is limited and it is sent sporadically.

Explicit Personal Data

Personal data provided on websites belonging to the Administrator when sending comments to articles etc. are available to all visitors to pages containing this data. The administrator is not able to protect website users against private persons or companies that will use this data to send them undefined information. Therefore, these data are not subject to the Regulations.

Other forms

Forms hosted on websites belonging to the Administrator and regarding services, products, websites and magazines not supported by the Adminsitrator are not subject to the Regulations.


Some areas of the websites belonging to the Administrator may use cookies, i.e. small text files sent to the internet user’s computer, identifying it in a way necessary to simplify or cancel a given operation. Cookies are harmless to the computer, its user and his data.

The condition for cookies to work is their acceptance by the browser and not removing them from the disk. You can also disable their operation in the browser settings, which may limit or prevent the use of certain parts of the website. We use cookies for statistical purposes, to authorize users on websites, to adapt the appearance of websites to the preferences and browsing history of the User, and for other marketing purposes.

Cookies can contain personal information about the user, although in most cases it will only be an e-mail address. These data are available only to the User of a given computer and to our websites.


The administrator is obliged to release the product without defects.
Products may be covered by the manufacturer’s or distributor’s warranty. Detailed terms of the guarantee and its duration are given in the product offer.
In the event of product defects, the Customer should write a message to the address contact@bkajder.com, and then send the product back to the Administrator at his expense.

The administrator is released from liability under the warranty for a defect, if the customer knew about the defect of the product at the time of concluding the sales contract. The description of the product defect will be each time indicated on the product page.
The administrator will immediately, but at the latest within 14 days from the date of receipt of the shipment with the defective product, respond to the complaint and inform the customer about further proceedings.
In the case of sale of a product in trade between entrepreneurs pursuant to Art. 558 § 1 of the Civil Code, the parties exclude the Administrator’s liability under the warranty for physical and legal defects of things, in particular, establish that he is not responsible for hidden defects of the object of sale.
The right to withdraw from the contract

Pursuant to the Act on Consumer Rights, a Customer who is a Consumer may withdraw from the contract without giving any reason within 14 (fourteen) days from the date of receipt of the parcel.
The consumer may withdraw from the contract by sending an appropriate message to the following address: contact@bkajder.com
The consumer is obliged to return the product to the Administrator immediately, no later than within 14 days from the date on which he withdrew from the contract. To meet the deadline, it is enough to return the product before its expiry.
The return of goods to the Administrator can be made via a courier paid by him.
Products should be returned unchanged, unless the change was necessary within the ordinary course of business, ie the consumer should deal with the product bearing in mind the need for its possible, later return. The consumer is responsible for reducing the value of the item as a result of using it in a way that goes beyond what is necessary to establish the nature, characteristics and functioning of the item.
The Administrator refunds the amount due for the returned product within 14 (fourteen) days from the date of receipt of the declaration of withdrawal from the Consumer. Under the terms of the Consumer Rights Act, the Administrator may withhold the reimbursement of payments received from the Consumer until the item is returned or the Consumer provides proof of its return, depending on which event occurs first.
The Consumer is not entitled to withdraw from the contract in the case of purchasing audiobooks, multimedia courses and e-books that are not saved on a tangible medium, e.g. they have been made available to the Consumer in the form of a link to download the appropriate file, to which the Consumer hereby agrees.

Customer reimbursement

In the event of circumstances obliging the Administrator to reimburse the amounts paid by the Customer to the Administrator, the refund takes place on the following dates:
in the case of a complaint within 14 days from the date of its consideration by the Administrator;
in the event of the Consumer withdrawing from the contract within the period specified in the section “The right to withdraw from the contract”, point 6;
in the case of cancellation of the order within 14 days from the date of its cancellation.
The reimbursement will be made using the payment channel agreed with the Customer.
The administrator is not responsible for failure to refund or delay if it was due to the Customer providing incorrect personal data (name, surname, address) or an incorrect account number.
In the case of issuing a correction bill, the bill will be issued by the Administrator at the time of returning the money to the Customer’s account. The invoice will be sent to the customer by e-mail to the e-mail address provided when placing the order.

The Regulations do not apply to websites and companies whose contact details are provided on websites and magazines belonging to the Administrator. If you have any questions, please write to: contact@bkajder.com

Disclaimer of Liability

We created the bkajder.comwebsite to inspire people to make changes in their lives.

Although we present knowledge and practical solutions while running a blog, they are not equally effective for everyone. Everything we describe should not be used unconditionally.

The advice that we publish should be analyzed in detail, compared with your own case, possibly confronted with other similar publications and only when they are presented as appropriate in a given case, implemented.

Our articles contained in bkajder.com always agree with the opinion we have adopted and that is what they are – the opinion. Opinions expressed by the community in comments or otherwise do not always correspond to the opinion adopted by us.

Happy developing!

Barbara Kajder


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