Terms of service

• PGW / Service Provider, Polska Grupa Wierzytelności sp. z o.o. with its registered office at ul. Gwiaździsta 6/5, 53-413 Wrocław (NIP: 6912503202, KRS: 0000478567, REGON: 022256449); contact: kontakt@e-pgw.pl.
• Portal / e‑PGW, the website at https://www.e-pgw.pl.
• App, the version of the Portal optimised for mobile devices (PWA).
• User, a natural or legal person using the Portal.
• Client, a User who has entered into a case-handling agreement with PGW.
• Case, a claim or proceedings submitted to PGW for handling.

PGW provides the following services through the Portal:

• Free initial assessment of the submitted case: we respond within one business day of receiving a complete submission.
• Handling debt recovery cases (business and personal receivables, assignable claims) and compensation claims, and providing organisational services for bankruptcy and restructuring proceedings: consumer bankruptcy, business bankruptcy and business restructuring. Reserved activities (court pleadings, court representation) are performed by an independent legal adviser or advocate chosen by the Client and, in bankruptcy and restructuring proceedings, also by a licensed restructuring adviser; PGW does not act as supervisor, administrator or bankruptcy trustee.
• Generating agreements and powers of attorney from approved templates.
• Secure storage of digital documents in case files.
• Notifications of case status changes.
• Chat with the case manager handling your case.

Legal assistance (activities reserved to advocates/legal advisers) is provided by duly authorised advocates and legal advisers, subject to professional confidentiality.

• Registration requires an email address and account confirmation using a 6-digit code sent by email or by clicking a verification link.
• The User undertakes to provide accurate information.
• The account is personal; sharing sign-in credentials with third parties is prohibited.
• The User should protect their password and enable two-step verification (recommended).

Submitting a case through the Portal does not itself conclude an agreement. The agreement is concluded after:

• a positive legal assessment by PGW,
• generation of a draft agreement with individual terms,
• signature by the User (electronically or as a scan of a paper document),
• approval of the signature by PGW (four-eyes procedure).

No substantive action is taken until PGW has given its approval.

The standard payment model in compensation and debt recovery cases is a success fee, a percentage of the amount actually recovered. The rate is agreed individually and recorded in the agreement.

For consumer bankruptcy, PGW charges a fixed fee for organisational services (documents, coordination), as described in the agreement. An independent legal adviser or restructuring adviser handles the application and representation; the Client agrees that professional's fees directly with them.

Under the PozwijGo mechanism, PGW may cover court fees, advances for expert fees and court enforcement costs upfront, settling them from the amount recovered after a successful outcome. The PozwijGo terms form part of the agreement.

A Consumer within the meaning of Article 22¹ of the Polish Civil Code has the right to withdraw from the agreement without giving a reason within 14 days of its conclusion (under the Consumer Rights Act of 30.05.2014).

If a Consumer requests that services begin before the 14-day period expires (typical in urgent compensation cases), they retain the right to withdraw but must pay for services performed up to the date of withdrawal.

A withdrawal notice may be submitted through the Portal, by post or by email to kontakt@e-pgw.pl.

Complaints about the Portal's operation or service provision may be submitted:

• through the contact form in the Portal,
• by email to: kontakt@e-pgw.pl,
• in writing to PGW's registered office address.

PGW considers complaints within 14 days of receipt.

Consumers have the right to use out-of-court dispute resolution methods (a court-listed mediator or Consumer Ombudsman). The European Commission's ODR platform: ec.europa.eu/consumers/odr.

• A device with internet access and an up-to-date browser (supported versions of Chrome, Safari, Firefox or Edge).
• Cookies and JavaScript enabled.
• An active email address (for account verification).

The rules for processing personal data are described in the Privacy policy. The list of data processors is available in subprocessor register.

These terms may be amended. The User is notified of changes in the Portal 14 days in advance (by email to the address supplied at registration). A User who does not accept the changes may terminate the agreement for electronically supplied services.

These terms are governed by Polish law. Disputes are resolved by the court with territorial jurisdiction for the Consumer's place of residence or, for business clients, PGW's registered office.