Debt trade
The EBOF Debt Trade is an innovative approach to facilitate the operational departments of EBOF, providing a streamlined and transparent procedure for the retrieval of overdue amounts. The receivables exchange is an integral component of our externalised receivables management system. This exchange is an ideal addendum to the contractor's evaluation and debt recovery plan.
Regulations

Regulations
This Terms of Service outlines the rules of operation for the Europejskiego Biura Ochrony Finansów Sp. z o.o. Sp. k.
The legal basis of operations is provided by the following regulations:
- Act of March 15, 2019, on the provision of economic information and exchange of economic data (Journal of Laws of 2019, item 681).
- Act of May 10, 2018, on the protection of personal data (Journal of Laws of 2018, item 1000).
- Act of July 18, 2001, on the provision of electronic services (consolidated text: Journal of Laws of 2016, item 1030, as amended).
- Civil Code of April 23, 1964 (consolidated text: Journal of Laws of 2017, item 459).
- Regulation (EU) 2016/679 of the European Parliament and of the Council of April 27, 2016, on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, and repealing Directive 95/46/EC (General Data Protection Regulation or GDPR).

I Dictionary
EBOF - European Financial Protection Bureau Ltd. with its registered office in Wrocław, at Bierutowska 57-59, 51-317 Wrocław (building no. 5), entered in the register of entrepreneurs under KRS number 0000431444, NIP: 8961531487, REGON: 021955116 - owner of the Service.
Debtor - an entrepreneur within the meaning of the Act of 2 July 2004 on Freedom of Economic Activity (Journal of Laws 2004 No. 173, item 1807) with an obligation towards the Client.
EasyCollect - a program of the Service Owner, used to publish debt sale notices in the GIELDA.EBOF.PL service based on the Cooperation Agreement.
Client - an entrepreneur within the meaning of the Act of 6 March 2018 on the Business Activity Law (Journal of Laws of 2018, item 646) with which EBOF has concluded a cooperation agreement. The Client is also the creditor of the documented receivables.
Service - an internet platform for debt sale notices located at www.GIELDA.EBOF.PL managed by EBOF.
Cooperation Agreement – an agreement between the Client and EBOF confirming the agreement to publish sales advertisements of receivables in the GIELDA.EBOF.PL service between EBOF and the Client, simultaneously confirming acceptance of the content of this Regulation.
User – an individual, legal entity or unincorporated organization that uses the service on the terms set out in this Regulation.
Receivable – a monetary receivable arising from relations between the Client and the Debtor, meeting the requirements set out in this Regulation.

II Publications on the Service
- The Service is a platform for EBOF Customers who have signed a Cooperation Agreement.
- The Service does not provide the possibility of external registration. Publications are introduced and modified by EBOF on behalf of the Customer.
- Within 2 working days from the date of posting of the debt on the EBOF Service, the debtor will be informed of this fact by sending a notification to the publicly available email address, registered office address or phone number of the debtor.
- EBOF may refuse to publish Client's Claims when conflict of interest arises or in other cases when publication may breach applicable law.
- Acceptance of Service's functionality implies agreement to Regulation's conditions, and connotes that User has studied its content.
- EBOF publishes personal data of Debtors in accordance with the European Parliament and Council Regulation (EU) 2016/679 of April 27th, 2016 concerning the protection of natural persons in terms of processing personal data and free movement of such data, and rescinding Directive 95/46/WE (GDPR) with the Personal Data Protection Act of May 10th, 2018 and the Consumer Credit Act of May 12th, 2011.

III Unsubscribe from service.
- The deregistration of the Client's Debtors from the Service is done upon the Client's request submitted electronically and sent to the e-mail address indicated in the agreement between the Client and EBOF. The deregistration will take place within 14 days of the date of receipt of the application.
- The deregistration is equivalent to the removal of all the Client's announcements in the Service indicated in the application.

IV Service Features
- The service functions as a marketplace for the sale and purchase of receivables at https://gielda.ebof.pl">https://gielda.ebof.pl.
- The content posted on the site is available to all without the need to register.
- The user agrees to the terms of this Regulation by entering the Service page at https://gielda.ebof.pl">https://gielda.ebof.pl.
- Only EBOF has the ability to post receivables sale advertisements.
- Every debt sale announcement published on the Service includes:
- Debtor's name;
- Debtor's NIP;
- Location where Debtor conducts business;
- Value of the Debt;
- EBOF does not mediate in the conclusion of sale agreements between the Client and the User, with the exception of debts for which EBOF is also the Client.
- A User interested in purchasing the Debt sends an inquiry electronically via the " Inquire " feature.

V The Customer's Responsibilities
- The Client declares that the Claim published in the Service:
- is due to him against the Debtor indicated in the sale announcement,
- exists and is not time-barred,
- is documented by the documents held by the Client confirming the existence of this Claim,
- was posted in it for the purpose of selling the Claim by public announcement,
- does not contain data that violates generally applicable laws, in particular the Act of 9 April 2010 on the Exchange of Business Information and Data (Journal of Laws 2010 No. 81, item 530), and the Act of 16 April 1993 on combating unfair competition (Journal of Laws 1993 No. 47, item 211).
- EBOF shall not be held liable for any damages of the Debtor caused due to the publishing of the claim in the Service. The Client is solely responsible for the content and compliance of the claim sale announcement with the Terms and Conditions, particularly for the truthfulness of the statement in article 1.
- The Client shall also be liable for any consequences arising from the publication of this announcement, in particular those resulting from the inclusion of information contrary to generally applicable law or the Regulations.
- The Client shall inform the Administrator of any changes in the debtor's data provided to the Service for the purpose of performing the Contract, and of any changes in the factual situation regarding the Claim published on its behalf in the Service, in particular of any payment towards the debt, full repayment, offsetting, cancellation or settlement of the debt, or of any appropriate modification of the debt arising from the inclusion of untrue, outdated or unreliable data in the announcement.

VI Data Protection
EBOF, as the data controller of the Debtor's personal data in accordance with Article 14 and of the User's data in accordance with Article 13 of the General Data Protection Regulation (hereinafter GDPR) of April 27th, 2016, hereby informs that:
- Personal data will be processed in order to publish listings on GIELDA.EBOF.PL and to sell receivables.
- The source of obtaining the Debtor's personal data is the creditor of the documented receivable.
- The basis for processing personal data are the above regulations of law, in particular the Act on the Exchange of Information and Data in the Economy of 15 March 2019 (on the basis of Art. 6 (1) (c) GDPR) and the legally justified interest pursued by the administrator (on the basis of Art. 6 (1) (f) GDPR).
- Personal data will be processed until the Debtor is deregistered from the Service at the request of the Client. The deregistration will take place within 14 days from the date of receipt of the application.
- Receivers of personal data shall be exclusively entities authorized to obtain personal data under applicable law.
- The data subject is entitled to access and control the content of his or her data and to correct them in accordance with Article 15 of the GDPR.
- The data subject has the right to request from the controller the rectification of any inaccurate personal data concerning him or her without undue delay.
- In the cases listed in Article 17 and 18 of the GDPR, the data subject is entitled to submit a written and motivated request to cease or limit the processing of his or her personal data.
- Pursuant to Article 21 of the GDPR, the data subject is entitled to object at any time, on grounds relating to his or her particular situation, to the processing of personal data concerning him or her based on Article 6(1)(f) of the GDPR.
- If the data subject believes that his or her personal data is being processed unlawfully, he or she can contact the EBOF Data Protection Officer at any time by e-mail at iod@ebof.pl and the President of the Personal Data Protection Office.
- Personal data shall not be processed in an automated manner, including profiling.

VII Platform Operation Security
- EBOF guarantees that the technical means used for processing personal data enable the Service to be maintained in a professional and compliant manner, and the IT system used by EBOF ensures an adequate level of security for processing personal data.
- EBOF reserves the right to temporarily suspend access to the Service for technical reasons.
- EBOF is not responsible for interruptions in the operation of the Service's website if the interruption is due to causes beyond EBOF's control.

IX Changes and General Provisions
- This Terms and Conditions shall come into force on 13/06/2022 and shall apply to both Customers and Debtors as well as other Users of the Service from the date of entry into force.
- Changes to this Terms and Conditions may be made by EBOF without giving any reason at any time and shall be effective from the date of publication of such changes in the Service and information provided to the Customer electronically.
- By entering into an agreement with EBOF regarding the Platform, the Customer accepts this Terms and Conditions in full and, in case of non-acceptance of any subsequent changes to the Terms and Conditions made by EBOF, the Customer may terminate the Service on general terms (see Point III of the Terms and Conditions).
- Persons using the Service are obliged to check each time before any new action is taken in the Service whether the Terms and Conditions have been changed and whether they accept eventual changes.
- In the case where any of the norms contained in this Terms and Conditions should be contrary to the generally applicable law, the remaining provisions shall remain in force.
- In matters not regulated by this regulation, the provisions of Polish civil law, in particular the Civil Code, the Personal Data Protection Act, the Act on the provision of electronic services and the General Data Protection Regulation shall apply.