These Terms
and Conditions set out the rules for using the JYOCO online store available at https://jyoco.com, placing orders, concluding
distance sales agreements, order fulfilment, payments, deliveries, complaints,
withdrawal from agreements, and the provision of electronic services.

The Store
is operated by Joanna Krotofil-Owsian conducting business activity under the
name JYOCO Joanna Krotofil-Owsian, entered into the Central Registration and
Information on Business of the Republic of Poland (CEIDG), Tax Identification
Number (NIP): 7772268083, Statistical Number (REGON): 383609187.

§1.
Definitions

For the
purposes of these Terms and Conditions, the following definitions shall apply:

1. Store – the JYOCO online store
   operated at https://jyoco.com.
2. Seller – Joanna Krotofil-Owsian
   conducting business activity under the name JYOCO Joanna Krotofil-Owsian.
3. Customer – a natural person, legal
   entity, or organisational unit using the Store or placing an order.
4. Consumer – a natural person performing
   a legal act not directly related to their business or professional
   activity.
5. Entrepreneur – a natural person, legal
   entity, or organisational unit conducting business or professional
   activity.
6. Product – a movable item offered in
   the Store, including jewellery, made-to-order products, personalised
   products, or electronic vouchers.
7. Standard Product – a product available in the
   Store’s regular offer which is not manufactured according to the
   Customer’s individual specification.
8. Personalised Product – a product manufactured
   according to the Customer’s specification or intended to satisfy their
   individualised needs, including in particular products involving a change
   of material, finish, gemstone, size, engraving, individual design, or any
   other personalisation.
9. Voucher – an electronic shopping
   voucher enabling the use of a specified amount for purchases in the Store.
10. Customer Account – an individual Customer
    profile in the Store enabling, among other things, access to data, order
    history, or saved preferences.
11. Cart – a Store functionality
    enabling Products to be collected prior to placing an order.
12. Order – a declaration of intent by
    the Customer aimed at concluding a Sales Agreement.
13. Sales Agreement – an agreement concluded
    between the Customer and the Seller through the Store.
14. Terms and Conditions – this document.

§2. Seller’s Details and Contact Information

1. The
   Seller is:

JYOCO Joanna Krotofil-Owsian

ul. Szkolna 4E/16

62-023 Borówiec

Poland

NIP: 7772268083

REGON: 383609187

1. The Seller may be contacted
   via:

• e-mail:
  contact@jyoco.com
• telephone:
  +48 513 782 401

1. Telephone contact is available
   on business days between 09:00 and 17:00.
2. Complaints, declarations of
   withdrawal from an agreement, and other statements may be submitted to the
   Seller by e-mail or in writing to the correspondence address indicated
   above.

§3.
Technical Requirements for Using the Store

1. In order to use the Store, a
   device with Internet access and an up-to-date web browser supporting
   JavaScript and cookies is required.
2. The Store operates in
   particular with current versions of the following browsers: Google Chrome,
   Safari, Mozilla Firefox, Microsoft Edge, and Opera.
3. The Customer bears the costs of
   Internet connection to the Store in accordance with the tariff of their
   telecommunications operator.
4. The Seller may temporarily
   limit access to the Store due to technical works, updates, or system
   maintenance.
5. The Seller shall not be liable
   for technical problems resulting from ICT infrastructure remaining outside
   the Seller’s control.

§4. Rules for Using the Store

1. The Customer is obliged to use
   the Store in accordance with applicable law, good practice, principles of
   social coexistence, and the provisions of these Terms and Conditions.
2. In particular, it is prohibited
   to:

a) provide
unlawful content,

b) undertake actions disrupting the operation of the Store,

c) attempt to gain unauthorised access to the Store’s data or systems,

d) use another Customer’s Account without authorisation,

e) send unsolicited commercial information,

f) provide false data preventing fulfilment of an order.

1. The Seller may refuse to
   process an order or block a Customer Account if:

a) the
Customer has provided false or incomplete data preventing fulfilment of the
order,

b) the Customer’s actions violate applicable law or third-party rights,

c) the Customer breaches the provisions of these Terms and Conditions,

d) the Customer undertakes actions disrupting the operation of the Store,

e) the Customer uses the Store for unlawful activities or activities contrary
to good practice,

f) the Customer repeatedly fails to collect ordered shipments.

1. In the event of refusal to
   process a paid order, the Seller shall refund the received payments to the
   Customer unless otherwise provided by mandatory provisions of law.

§5. Customer Account

1. The Customer may use the Store
   with or without creating a Customer Account, provided that a given Store
   functionality allows such use.
2. Creation of a Customer Account
   is free of charge.
3. The Customer Account enables,
   in particular, access to order history, saved data, and other
   functionalities made available by the Store.
4. The Customer is obliged to keep
   login details confidential and secure them against access by third
   parties.
5. The Seller shall not be liable
   for consequences resulting from the Customer making login credentials
   available to third parties.
6. The Customer may request
   deletion of the Customer Account at any time by contacting the Seller.
7. Deletion of the Customer
   Account shall not affect the fulfilment of orders placed before its
   deletion nor the Seller’s obligations arising from applicable law, in
   particular tax and accounting regulations.

§6.
Products, Prices, and Information in the Store

1. Information about Products
   presented in the Store constitutes an invitation to conclude an agreement
   within the meaning of the provisions of the Polish Civil Code.
2. Prices presented in the Store
   are expressed in Polish zloty (PLN) and include VAT unless explicitly
   stated otherwise.
3. Product prices do not include
   delivery costs unless the Product description or information in the Cart
   indicates otherwise.
4. The total cost of the order,
   including the Product price and delivery costs, is presented to the
   Customer before placing the order.
5. In the case of Personalised
   Products or products manufactured to individual order, the final price may
   be determined individually after consultation with the Customer.
6. Product photographs are for
   illustrative purposes only. The actual appearance of a Product may differ
   slightly from the presentation on the Store’s website due to screen
   settings, lighting, handcrafting, properties of materials, natural
   gemstones, or jewellery-making processes.
7. Handmade Products may contain
   minor differences resulting from the nature of artisanal craftsmanship.
   Such differences do not constitute a defect in the Product.
8. Availability of gemstones,
   materials, and components may affect order fulfilment time.

§7. Placing Orders

1. In order to place an order, the
   Customer should:

a) select a
Product,

b) add the Product to the Cart,

c) proceed to the order form,

d) provide data necessary for order fulfilment,

e) select a delivery and payment method,

f) accept these Terms and Conditions,

g) confirm the order by clicking the button finalising the purchase with an
obligation to pay.

1. Placing an order constitutes
   submission by the Customer of an offer to conclude a Sales Agreement.
2. The Sales Agreement is
   concluded upon confirmation of the order by the Seller sent to the
   Customer’s e-mail address.
3. The Seller may contact the
   Customer in order to confirm details, clarify the order, or determine
   details of a Personalised Product.
4. In the event of failure to make
   payment within the period indicated during the ordering process, the
   Seller may cancel the order.
5. The order fulfilment period is
   calculated from the moment the payment is credited unless the Product
   description or individual arrangements with the Customer provide
   otherwise.

§8. Personalised Products and Quotation Requests

1. Personalised Products, products
   manufactured to individual order, or products created according to the
   Customer’s specification may require additional arrangements.
2. The Customer may provide the
   Seller with information regarding inspirations, preferences, size,
   material, gemstones, symbolism, intended purpose of the Product, or other
   project details.
3. Quotations, design proposals,
   and information provided before final confirmation of the order are for
   informational purposes only and do not constitute a binding commercial
   offer unless the Seller explicitly states otherwise.
4. An agreement concerning a
   Personalised Product is concluded after the Customer accepts the final
   terms of fulfilment, including in particular the price, scope of
   personalisation, and estimated completion date.
5. The Seller may update the
   quotation before conclusion of the agreement, in particular in the event
   of changes in the costs of materials, gemstones, currency exchange rates,
   manufacturing technologies, or project scope.
6. Changes requested by the
   Customer after commencement of fulfilment may affect the completion date
   and remuneration amount.
7. The Seller may refuse to
   execute a project if its implementation would be technically impossible,
   contrary to law, infringe third-party rights, or fail to meet JYOCO brand
   standards.
8. The right of withdrawal from
   the agreement shall not apply to non-prefabricated Products manufactured
   according to the Customer’s specification or intended to satisfy the
   Customer’s individualised needs.

§9. Payments

1. Available payment methods are
   indicated each time during the ordering process.
2. The Store enables electronic
   payments processed through payment service providers.
3. The Store may offer, in
   particular, payments via Przelewy24, Google Pay, Apple Pay, or other
   methods indicated during the ordering process.
4. Payment shall be deemed made at
   the moment funds are credited by the payment operator or to the Seller’s
   bank account.
5. If the payment operator informs
   about payment reversal, transaction error, or any other irregularity,
   order fulfilment may be suspended until the matter is clarified.

§10. Delivery

1. Delivery is carried out within
   the European Union unless the Seller enables delivery to another country
   during the ordering process.
2. Available delivery methods are
   indicated each time during the ordering process.
3. Delivery may be carried out in
   particular through courier companies, logistics operators, or collection
   points available in the Store.
4. Delivery costs are presented to
   the Customer before placing the order.
5. Most JYOCO Products may be
   manufactured in a made-to-order model. The fulfilment time for Standard
   Products is up to 14 business days unless the Product description provides
   otherwise.
6. Personalised Products or
   products manufactured to individual order may require a longer fulfilment
   period, about which the Customer shall be informed individually.
7. In the case of an order
   including Products with different fulfilment periods, the longest
   fulfilment period shall apply unless the Parties agree otherwise.
8. If a shipment is returned to
   the Seller due to incorrect address details, failure by the Customer to
   collect the shipment, or another reason attributable to the Customer, the
   Seller may charge the Customer the cost of re-shipment.
9. In the event of noticing damage
   to a shipment, the Customer should, where possible, report this fact to
   the carrier and prepare a damage report. Failure to prepare such report
   shall not exclude Consumer rights but may make it more difficult to
   establish liability for shipment damage.

§11. Gift Vouchers

1. The Store offers the
   possibility to purchase gift vouchers exclusively in electronic form.
2. The electronic Voucher is
   delivered to the e-mail address provided during the ordering process.
3. The Voucher entitles the holder
   to use the assigned value towards Products available in the Store.
4. The Voucher is valid for 12
   months from the date of purchase.
5. Upon expiry of the validity
   period, the Voucher becomes invalid and shall not be extended or exchanged
   for monetary funds.
6. The Voucher cannot be exchanged
   for cash.
7. If the value of the order
   exceeds the value of the Voucher, the Customer is obliged to pay the
   difference.
8. In the event the full value of
   the Voucher is not used, the remaining amount shall not be refunded unless
   the Voucher description provides otherwise.
9. The right of withdrawal from an
   agreement concerning a Voucher shall apply in accordance with applicable
   law.

§12. Complaints

1. The Seller is obliged to
   deliver a Product compliant with the agreement.
2. The Customer has the right to
   submit a complaint if the Product is non-compliant with the agreement.
3. Complaints
   may be submitted:

a)
electronically to: contact@jyoco.com,

b) in writing to the Seller’s address.

1. A
   complaint should include:

a) the
Customer’s full name,

b) the order number,

c) a description of the Product’s non-compliance with the agreement,

d) the Customer’s request,

e) contact details enabling a response.

1. The Seller shall consider the
   complaint within 14 days from the date of its receipt.
2. A Customer who is a Consumer
   may request restoration of compliance of the Product with the agreement
   through repair or replacement, and in cases provided by law also a price
   reduction or withdrawal from the agreement.
3. The Seller may refuse to
   restore compliance of the Product with the agreement in the manner chosen
   by the Customer if it is impossible or would require excessive costs
   compared to the alternative method.
4. Minor differences resulting
   from handcrafting, natural properties of materials or gemstones, slight
   colour differences resulting from screen settings, and natural traces of
   the jewellery-making process shall not constitute non-compliance of the
   Product with the agreement, provided they do not affect Product
   functionality and have been properly described or result from the nature
   of the Product.
5. Complaints do not cover damage
   resulting from improper use, mechanical damage, improper storage, contact
   with chemicals, unauthorised alterations, repairs carried out by third
   parties, or use contrary to the intended purpose of the Product.
6. The above provisions do not
   limit Consumer rights arising from mandatory provisions of law.

§13.
Right of Withdrawal from the Agreement

1. A Consumer has the right to
   withdraw from a distance agreement within 14 days without giving any
   reason.
2. The withdrawal period expires
   after 14 days from the day on which the Consumer acquired possession of
   the Product or on which a third party other than the carrier and indicated
   by the Consumer acquired possession of the Product.
3. In order to exercise the right
   of withdrawal, the Consumer should inform the Seller of their decision by
   means of an unequivocal statement, for example by e-mail or in writing.
4. The Consumer may use the
   withdrawal form made available by the Seller; however, this is not
   mandatory.
5. To meet the withdrawal
   deadline, it is sufficient for the statement to be sent before expiry of
   the withdrawal period.
6. In the event of withdrawal from
   the agreement, the Seller shall reimburse the Consumer for all payments
   received, including the cost of the least expensive standard delivery
   method offered in the Store, no later than within 14 days from the date of
   receipt of the withdrawal statement.
7. The Seller may withhold
   reimbursement until the Product is returned or until the Consumer provides
   proof of having sent it back, whichever occurs first.
8. Reimbursement shall be made
   using the same payment method used by the Consumer in the original
   transaction unless the Consumer expressly agrees otherwise.
9. The Consumer should return the
   Product no later than 14 days from the date on which they informed the
   Seller of withdrawal from the agreement.
10. The Consumer bears the direct
    costs of returning the Product unless the Seller decides otherwise.
11. The Consumer shall be liable
    for any diminished value of the Product resulting from use beyond what is
    necessary to establish the nature, characteristics, and functioning of the
    Product.

§14.
Exclusions from the Right of Withdrawal

1. The right of withdrawal from
   the agreement shall not apply in cases specified by applicable law, in
   particular with regard to agreements concerning non-prefabricated Products
   manufactured according to the Consumer’s specification or intended to
   satisfy the Consumer’s individualised needs.
2. In the JYOCO Store, this
   applies in particular to Products involving:

a)
engraving,

b) change of metal fineness,

c) change of metal type,

d) change of finish,

e) individual gemstone selection,

f) change of gemstone colour, size, or type,

g) size modifications made to individual order,

h) projects created according to the Customer’s inspirations or guidelines,

i) bespoke jewellery,

j) other personalisation elements agreed with the Customer.

1. Information regarding the lack
   of the right of withdrawal in the case of a Personalised Product may also
   be provided to the Customer in the Product description, enquiry form,
   e-mail correspondence, or individual offer.

§15.
Out-of-Court Complaint and Redress Procedures

1. A Consumer may use out-of-court
   methods for handling complaints and pursuing claims.
2. The Consumer may contact, among
   others, a municipal or district consumer ombudsman, the Trade Inspection
   Authority, or consumer organisations.
3. Information regarding
   out-of-court dispute resolution methods is available on the website of the
   Polish Office of Competition and Consumer Protection (UOKiK): https://uokik.gov.pl.
4. The Consumer may also use the
   ODR platform available at: https://ec.europa.eu/consumers/odr.

§16. Personal Data

1. The controller of Customers’
   personal data is the Seller.
2. Personal data is processed in
   particular for the purposes of order fulfilment, Customer Account
   management, communication with Customers, handling complaints, fulfilment
   of tax and accounting obligations, and protection of the Seller’s rights.
3. Data may be transferred to
   entities supporting operation of the Store, in particular payment
   operators, courier companies, IT service providers, the Shopify platform,
   accounting service providers, and analytical or marketing tools, solely to
   the extent necessary for service provision.
4. Detailed information regarding
   personal data processing is available in the Privacy Policy available in
   the Store.

§17. Provisions Concerning Entrepreneurs

1. This section applies to
   Customers who are not Consumers.
2. In the case of Customers who
   are not Consumers, the Seller may limit available payment methods,
   including requiring full or partial prepayment.
3. Products remain the property of
   the Seller until full payment of the price and delivery costs.
4. Upon release of the Product to
   the carrier, all benefits and burdens associated with the Product, as well
   as the risk of accidental loss or damage, pass to the Customer who is not
   a Consumer.
5. A Customer who is not a
   Consumer is obliged to inspect the shipment within the time and manner
   customary for shipments of a given type and undertake actions necessary to
   establish the carrier’s liability.
6. The Seller’s liability towards
   a Customer who is not a Consumer, regardless of the legal basis, shall be
   limited to the amount of the paid Product price and delivery costs.
7. The Seller shall not be liable
   towards a Customer who is not a Consumer for lost profits, indirect
   damages, or damages resulting from interruptions in Store operation.
8. In relation to Customers who
   are not Consumers, statutory warranty rights are excluded to the extent
   permitted by applicable law.
9. The above provisions shall not
   apply to natural persons concluding an agreement directly related to their
   business activity if it follows from the content of the agreement that it
   does not have a professional character for them, insofar as legal provisions
   grant them consumer protection.

§18. Contract Language and Language Versions

1. Agreements concluded through
   the Store may be concluded in Polish or English, depending on the selected
   language version of the Store.
2. In the event of discrepancies
   between language versions of these Terms and Conditions, the Polish
   version shall prevail.
3. The law applicable to
   agreements concluded through the Store shall be Polish law, provided that
   the choice of Polish law does not deprive the Consumer of protection
   granted under provisions that cannot be excluded by agreement under the
   law of the Consumer’s habitual residence.

§19.
Amendments to the Terms and Conditions

1. The Seller reserves the right
   to amend these Terms and Conditions for important reasons, in particular
   in the event of:

a) changes
in legal regulations,

b) changes in Store functionalities,

c) changes in payment methods,

d) changes in delivery methods,

e) changes in the Seller’s details,

f) the need to clarify provisions of these Terms and Conditions.

1. Amendments to the Terms and
   Conditions shall be published in the Store.
2. Customers holding a Customer
   Account may be informed about amendments to the Terms and Conditions
   electronically.
3. Amendments to the Terms and
   Conditions shall not affect orders placed before the amendments enter into
   force.

§20. Final Provisions

1. In matters not regulated
   herein, the provisions of Polish law shall apply, in particular the Polish
   Civil Code, the Consumer Rights Act, the Act on Provision of Electronic
   Services, and regulations concerning personal data protection.
2. The court having jurisdiction
   over disputes with a Customer who is not a Consumer shall be the court
   having jurisdiction over the Seller’s registered office.
3. The above provision shall not
   apply to Consumers, for whom court jurisdiction is determined in
   accordance with applicable legal provisions.
4. These Terms and Conditions
   shall enter into force on the date of publication on the Store’s website.