Please read these Terms and Conditions carefully before using complianceninjablog.com. By accessing or using this website, you agree to be bound by these Terms. If you do not agree, please do not use this site.
1. Acceptance of Terms
By visiting, using, or purchasing anything on complianceninjablog.com (the “Site”), you confirm that you have read, understood, and agree to these Terms and Conditions. These Terms apply to all visitors, users, and registered customers.
If you are acting on behalf of a company or organisation, you represent that you have authority to bind that entity to these Terms.
2. Description of Services
The Site provides the following:
- Free interactive exercises – AML/KYC training scenarios accessible without registration at /courses/. These are educational tools provided “as is” at no cost.
- Email waitlist – users may submit their name and email address to receive early access notifications for upcoming paid courses.
- Paid online courses (forthcoming) – self-paced digital courses on AML compliance and KYC topics, delivered via this platform upon purchase.
The operator reserves the right to modify, suspend, or discontinue any part of the free or paid services at any time, with or without notice, though reasonable notice will be given where practicable.
3. User Accounts
Registration is not currently required to access free content on the Site. If user accounts are introduced for paid course access, the following will apply:
- You are responsible for keeping your login credentials confidential.
- You may not share account access with third parties.
- You must provide accurate information when creating an account.
- The operator may suspend or terminate accounts that violate these Terms.
4. Intellectual Property
All content on this Site, including but not limited to interactive exercises, course materials, written content, videos, graphics, and underlying code – is the property of Filip Leszczyński FL Group (the operator) and is protected by applicable copyright and intellectual property laws.
You are granted a limited, non-exclusive, non-transferable licence to access and use the content for your personal, non-commercial professional development only. You may not:
- Copy, reproduce, or redistribute any content in whole or in part.
- Resell, sublicence, or commercially exploit any course material.
- Share access credentials or course content with third parties.
- Use automated tools to scrape, copy, or extract content from the Site.
Violation of these terms may result in termination of access and legal action.
5. Payment terms
Paid courses are priced in USD and sold as single-user licences. Payments are processed through WooCommerce and Stripe. By completing a purchase, you authorise the operator to charge your selected payment method for the applicable amount.
Prices are displayed inclusive of any applicable taxes where required. The operator will issue a purchase receipt by email.
6. Refund Policy
This section applies to paid digital course purchases.
EU/EEA Consumer Rights: Under the EU Consumer Rights Directive (2011/83/EU), consumers have a 14-day right of withdrawal from distance contracts. However, this right does not apply to digital content (such as online courses) where delivery has begun with the consumer’s prior express consent and acknowledgment that the right of withdrawal is waived upon access.
By completing a purchase and ticking the consent checkbox at checkout, you confirm that:
- You request immediate access to the digital content upon purchase.
- You acknowledge that by doing so, you waive your 14-day right of withdrawal.
Refunds outside the waiver: If you have not yet accessed the course content, you may request a refund within 14 days of purchase by contacting us via the contact page. Requests will be assessed on a case-by-case basis.
The operator does not offer refunds in cases of change of mind after content has been accessed, unless required by applicable mandatory law.
7. Email communications
By submitting your name and email address through any form on this Site (including the waitlist), you consent to receive transactional and marketing emails related to Compliance Ninja products and services, including course launch announcements and updates.
You may unsubscribe at any time by clicking the unsubscribe link in any email you receive.
Email communications are managed using Brevo (formerly Sendinblue), which acts as a data sub-processor. Your data is handled in accordance with our Privacy Policy.
8. Disclaimer
All content on this Site is provided for educational and informational purposes only. Nothing on this Site constitutes legal advice, regulatory guidance, or a substitute for professional compliance consultation.
AML and KYC regulations vary significantly by jurisdiction, sector, and institution type. Users are solely responsible for verifying the applicability and accuracy of any information to their specific circumstances.
The operator makes no representations or warranties that the content is complete, current, or appropriate for any particular regulatory environment.
9. Limitation of Liability
To the maximum extent permitted by applicable law, the operator shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of this Site or its content, including but not limited to:
- Errors or inaccuracies in course content.
- Regulatory decisions made in reliance on information from this Site.
- Interruption or unavailability of the Site or services.
Nothing in these Terms limits liability for fraud, death, or personal injury caused by negligence, where such limitation is prohibited by law.
10. Prohibited Uses
You agree not to use this Site to:
- Engage in any unlawful activity or facilitate others in doing so.
- Copy, reproduce, or redistribute course content without authorisation.
- Impersonate another person or misrepresent your identity.
- Upload or transmit malicious code, spam, or harmful content.
- Attempt to gain unauthorised access to any part of the Site or its systems.
- Use the content for commercial resale or training delivery without a licence agreement.
11. Changes to These Terms
The operator reserves the right to update or modify these Terms at any time. Changes will be posted on this page with an updated “Last updated” date. Where changes are material, reasonable notice will be provided (e.g. via email to registered users).
Continued use of the Site after changes are posted constitutes acceptance of the revised Terms.
12. Governing Law and Jurisdiction
These Terms are governed by Polish law. Any disputes arising under or in connection with these Terms shall be subject to the jurisdiction of the competent courts of Poland.
EU consumers retain the right to bring claims before the courts of their country of residence in accordance with applicable EU consumer protection law. EU consumers may also use the European Commission’s Online Dispute Resolution platform: https://ec.europa.eu/consumers/odr
13. Contact Information
For questions about these Terms, refund requests, or any other enquiries, please use the contact form at:
complianceninjablog.com/contact