Terms of service
Advance notice: this is the version scheduled to apply from 21 October 2026. Until then, the version of 23 August 2026 applies. These terms cover the use of AskPugu. The Polish version is the authoritative one for consumers in Poland. AskPugu is the new name of the service previously offered as AskTalo.
Who you are contracting with
AskPugu is operated by DANIEL WĄTOR SOFT (Daniel Wątor). Sole proprietorship registered in the Polish Central Register and Information on Economic Activity (CEIDG). The full registration details, including the address, the tax number and the contact details, are at the bottom of every page.
The service
AskPugu provides an AI chat service. You send a message, a model produces an answer, and the exchange is stored in your account so you can return to it.
The agreement covers more than the chat. It also covers the credits every message is paid for with and the free daily bonus, the streak, the achievements and the five lifetime goals that record your use, the goals board you switch on yourself, and Play, the optional practice rounds and the collection they fill. All of it belongs to the account and none of it is sold separately; credit packs are the only thing you can buy.
Answers are produced by a language model and can be wrong. Do not treat them as professional, legal, medical or financial advice, and check anything that matters.
Parts of the service may change or be withdrawn. Where a change removes something you have paid for, the refund terms apply.
Your account
You need an account, and you confirm at registration that you are 18 or older.
One person, one account. Creating further accounts in order to receive starting credits or daily credits again is not allowed, and an account used that way can be suspended.
Keeping your password safe is your responsibility. Tell us if you think somebody else has been in your account.
You may not use AskPugu to break the law, to attack the service, or to give other people paid access to it.
What you need, and what you may not send
AskPugu runs in a current web browser with JavaScript and cookies enabled, over an internet connection, and needs an e-mail address you can receive mail at. There is nothing to install.
The digital content you receive is text: the answers to your messages, stored in your account and shown in the browser. It carries no technical protection measures and needs nothing beyond the browser described above, and you can export it as a file at any time, as the privacy policy describes.
You may not send content that is unlawful, that infringes other people's rights, or that is meant to harm the service or other people.
Credits
Credits are a way of paying for use inside AskPugu. They have no cash value.
Credits cannot be transferred to another person, resold, exchanged for money, or cashed out. They never expire.
Every credit movement is written into your account history as its own entry. Earlier entries are never edited.
Buying credit packs
You buy credits in one-off packs at the prices on the pricing page. There is no subscription and no recurring charge.
Before you pay, you see the pack, its price in złoty and the number of credits it contains; you accept these terms and the refund terms; and you are asked to make the request described on the refunds page, that we start the service before the 14-day withdrawal period ends by crediting the pack within 1 day (24 hours) after the payment processor confirms a completed payment. You place the order with a button that clearly states it carries an obligation to pay. The contract is concluded when that order is accepted, and you receive confirmation of it, and of your request, by e-mail, at your account's verified e-mail address.
The seller of every pack is DANIEL WĄTOR SOFT; the seller's details open these terms and sit in the footer of every page. Prices on the pricing page are gross and include VAT. We e-mail a purchase confirmation showing the tax, and issue an invoice on request. When checkout is enabled, you choose the payment operator at checkout, PayU, Tpay or Przelewy24, and payment happens on the hosted page of the operator you chose: PayU S.A., ul. Grunwaldzka 186, 60-166 Poznań, KRS 0000274399, NIP 7792308495, REGON 300523444; Krajowy Integrator Płatności S.A. (Tpay), plac Andersa 3, 61-894 Poznań, KRS 0000412357, NIP 7773061579, REGON 300878437; PayPro S.A. (Przelewy24), ul. Pastelowa 8, 60-198 Poznań, KRS 0000347935, NIP 7792369887, REGON 301345068. Use a method offered there for your order; the available methods depend on the operator you chose.
We deliver credits electronically into your AskPugu account, as their own history entry, within 1 day (24 hours) after the payment processor confirms a completed payment. There is no physical shipment or delivery fee. Returning from the payment page alone does not confirm payment.
If the credits have not arrived by then, contact [email protected] with your account e-mail address and purchase date. We will check the payment and fulfilment; you do not need to buy the pack again. Purchased credits have no expiry date. Our refunds page explains returns and complaints.
If the service does not work as it should
Where digital content we supply does not conform to the contract, you have the rights consumer law gives you. Those include having the content brought into conformity and, in the cases the law provides, a price reduction or withdrawal from the contract.
Write to [email protected] and describe what is wrong.
Refunds and withdrawal
Refunds and the statutory right of withdrawal are set out in full on the refunds page, which forms part of these terms.
Ending the agreement
You can delete your account yourself at any time. Deletion overwrites the identity held on the account (the e-mail address, the display name and the password), ends every session, and redacts the content of your conversations straight away.
That is not anonymisation, and we do not describe it as one. The account row itself survives, because the records below are attached to it; an encrypted backup taken before the deletion still holds the deleted data for as long as it is kept, about three months; and if you bought a pack, the payment processor keeps its own record of that transaction under its own terms.
The records we are required to keep stay: the credit balance and the credit history, the record of AI requests, any purchase, refund and settlement records, and the audit record of operator actions. We keep them until 31 December of the sixth year after the year of the transaction they belong to. The Play results stay attached to that account row as well, including the record of each draw. Your streak and the achievements you earned are deleted with the account. Sign-in and session records are deleted when you delete the account.
An account being used to abuse the service or other people can be suspended or closed. Where that happens, we say why. Suspending or closing your account does not by itself forfeit your unused paid credits or remove your statutory refund and complaint rights.
Reports and content moderation
This section was published on 19 September 2026 and applies from 6 October 2026.
The only thing you provide that other users can see is the public name you choose if you join the Goals board: 2 to 24 letters, numbers, spaces, hyphens or underscores, shown with the number of long-term goals you have completed. Your conversations are visible only to you.
A public name, like anything else you send, may not be unlawful or break these terms. If it breaks these rules, we can remove the public name from the Goals board and, in the cases described under “Ending the agreement”, suspend or close the account. We act diligently, objectively and proportionately, with regard to the rights and interests of everyone involved.
Moderation is carried out by a person. We act on reports and on what we notice ourselves. No automated tool finds, assesses or decides on content; the only automatic rule is the character check on a public name when you choose it.
If we remove your public name or suspend or close your account, we e-mail you no later than when we do it. We tell you what we did and, where relevant, for how long; the facts the decision rests on and whether it followed a report; that no automated tool was used; the law or the term of these terms that was broken, and why; and how you can contest the decision.
To contest a decision, reply to that e-mail or write to [email protected]. A person looks at the case again and answers you. You may also take the matter to court.
How to report content you consider illegal, and our contact point under the Digital Services Act, are on the support page.
Changes to these terms
We may change these terms when the service, the law, or the way we sell credits changes. The new version is published on this page, with the date it applies from, at least 14 days before it applies. If you do not accept a change, you can delete your account before that date.
A change never takes away credits you already hold, and it does not apply to a purchase you made before it.
This version is dated 8 September 2026 and is scheduled to take effect on 21 October 2026, following at least 14 days of advance publication. It is not in force before that date. The clarified delivery terms concern pack sales and do not change the terms of earlier purchases.
On 18 September 2026 we corrected three descriptions on this page: what account deletion actually does, which had claimed an anonymisation the service does not perform; what the service includes; and which records survive the end of the agreement. They describe what AskPugu already does, impose no new obligation on you and take no right away, so they applied from the day they were published. The dates above are unchanged.
Later on 18 September 2026 we corrected two more descriptions in the section on buying credit packs: the checkbox at checkout, which we had called a consent, is the request to start the service that the refunds page quotes; and the order confirmation goes to your account's verified e-mail address, not to an address given at checkout. They too describe what AskPugu already does and applied from the day they were published.
The section on ending the agreement also clarifies that account suspension or closure does not by itself forfeit unused paid credits or remove your statutory refund and complaint rights. This describes the existing protection, adds no obligation and changes no earlier purchase agreement.
On 20 September 2026 we moved both effective dates to 6 October 2026. The page previously announced 22 September 2026 for the terms and 1 October 2026 for the section on reports and content moderation, but those dates were counted from the day the text was prepared rather than the day it was published. Fewer than the full 14 days promised above ran between publication and those dates. The new date gives that notice period in full. Besides the dates we changed one sentence: the section on reports and content moderation now gives the day it actually reached this page. The wording of both parts is unchanged.
On 22 September 2026 we changed the sentences on choosing the payment operator. The section on buying credit packs said that the available payment methods depend on PayU and that AskPugu does not offer a choice of payment processor. It now says that you choose the payment operator at checkout, PayU or Tpay, and that the methods you can use are the ones the operator you chose offers. Tpay, Krajowy Integrator Płatności S.A., is therefore named beside PayU wherever these pages give the payment institution, and the notice on when purchases are available names both. Because this changes what the terms say, this version takes effect on 8 October 2026 instead of 6 October 2026, so that the full 14 days promised above run from the day this wording is published. If it is not published by 24 September 2026, that date moves again before publication. No price, credit, refund right, complaint route or earlier purchase agreement changes.
On 6 October 2026 we added a third payment operator. The section on buying credit packs said that you choose the payment operator at checkout, PayU or Tpay. It now says that you choose PayU, Tpay or Przelewy24. Przelewy24, PayPro S.A., is therefore named beside PayU and Tpay wherever these pages give the payment institution, and the notice on when purchases are available names all three. Because this changes what the terms say, this version takes effect on 21 October 2026 instead of 8 October 2026, so that the full 14 days promised above run from the day this wording is published. If it is not published by 7 October 2026, that date moves again before publication. No price, credit, refund right, complaint route or earlier purchase agreement changes.
Law and disputes
Polish law applies, and nothing in these terms limits the rights consumer law gives you.
Where to complain, and which out-of-court routes are open to you, is on the support page.