Privacy & Cookies Policy

# Privacy & Cookies Policy  Last updated: 2024-05-17
## 1. Who we are
Welcome to **2xS Community**!  This site is curated by **Sergey Lukashevich** – an independent banking-research enthusiast (referred to in this document as “**we**”, “**us**”, “**our**”).
* **Contact e-mail:** moc.mocsx2%40hcivehsakul.yegreS  * We do **not** operate as a registered company on this website and offer no paid services here.
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## 2. What data we collect & why
| Data category | Examples | Why we need it ||---------------|----------|----------------|| **Technical data** | IP address, browser type, device OS, date/time | To display the site and keep it secure || **Consent records** | Cookie choices, consent ID, timestamp | To remember and document your cookie preferences |
We **don’t** use contact forms, newsletters, user accounts or payment check-outs.
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## 3. Legal ground (GDPR)
| Purpose | Legal basis (Art. 6 GDPR) ||---------|---------------------------|| Running & protecting the website | **Legitimate interest** (f) || Anonymous visit statistics | **Your consent** (a) || Storing your cookie choice | **Your consent** (a) |
You can withdraw or change your consent at any time (see the black “𝙲𝚘” icon ↙︎).
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## 4. Cookies in plain English
* **Essential cookies** – keep the site working (set automatically).  * **Statistics / Marketing cookies** – loaded **only** if you click **“Allow selection”** or **“Allow all”** in the banner.
A live, always-updated list of every single cookie can be opened via the **Cookie settings** panel (black “𝙲𝚘” icon at the bottom-left of any page → _Show details_).
> **PL:** Baner zgody wyświetlany jest w języku angielskim.  > Jeśli potrzebujesz wyjaśnień po polsku, napisz: moc.mocsx2%40hcivehsakul.yegreS  >> **RU:** Баннер согласия отображается на английском языке.  > Нужны пояснения? Пишите: moc.mocsx2%40hcivehsakul.yegreS
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## 5. How long we keep data
| Item | Retention period ||------|------------------|| Server logs | 30 days (auto-delete) || Cookie consent records | 13 months (Cookiebot default) || Individual cookie files | See _Cookie settings → Show details_ |
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## 6. Who can see your data
* **Web-hosting provider** – stores server logs inside the EEA.  * **Usercentrics A/S (Cookiebot)** – our Consent Management Platform, processing stays in the EU.
No data is sold, shared for marketing, or transferred outside the EEA without Standard Contractual Clauses.
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## 7. Your GDPR rights
* Access • Rectification • Erasure  * Restriction • Portability • Objection  * Withdraw consent at any time
Just drop an e-mail to **moc.mocsx2%40hcivehsakul.yegreS** and we’ll respond within 30 days.  If you believe your data is mishandled, you may lodge a complaint with the Polish supervisory authority **UODO**.
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## 8. Keeping this policy up-to-date
## 9. Supervisory authority: Prezes Urzędu Ochrony Danych Osobowych (uodo.gov.pl)
Regulations evolve, and so does this page. Material changes will be announced by updating the “Last updated” date above – feel free to check back anytime.

Terms of Use

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# Terms of Use

1. **Free informational service**
The 2xS Community website provides open-access, non-commercial content about banking research and methodology. No user registration, paid subscriptions or contracts are offered here.

2. **No professional or financial advice**
All materials are shared “as-is”, strictly for educational and research purposes. They shall **not** be interpreted as banking, legal, tax or investment advice, nor as an offer or invitation to conclude any financial transaction.

3. **User obligations**
When browsing this site, you agree **not** to upload, link or transmit any unlawful, offensive or malicious content, as required by Art. 8(3) pt 2 of the Polish Act on Electronic Services (*UŚUDE*).

4. **Limitation of liability**
While we aim for accuracy, the content may become outdated or incomplete. Sergey Lukashevich is not liable for decisions made or losses incurred on the basis of information published here.

5. **Governing law & jurisdiction**
These Terms are governed by Polish law. Any dispute shall be settled by the competent courts in Warsaw.

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