Terms: Free Products
1. Introduction
These Terms govern your access to and use of the free products and educational materials available on drkrzysztofozimek.com, including but not limited to:
- Multi-Method VaRCalc — a free online Value at Risk calculator;
- Algorithmic Trading Models — a free PDF guide (requires newsletter opt-in);
- Open Access Quant Finance Resources — curated reference materials available at Edu Hub;
- Open Educational Online Courses — video lectures published on YouTube with supporting materials available at Edu Hub.
These materials are provided by Eduinn Krzysztof Ozimek, ul. Kryształowa, 01-356 Warsaw, Poland, NIP 526 225 97 76, e-mail: contact@drkrzysztofozimek.com, tel. +48 796 594 098.
By accessing or using any of these free products, you agree to these Terms. If you do not agree, please do not use the materials.
For paid digital products (PDF textbooks, implementation bundles), see the Terms: Digital Products. For bespoke B2B quantitative finance services, see the Terms: Quant Finance Services.
2. Company Information
The website is operated by:
Eduinn Krzysztof Ozimek
ul. Kryształowa 31/21
01-356 Warsaw, Poland
NIP (Tax ID): 526 225 97 76
Telephone: +48 796 594 098
Email: contact@drkrzysztofozimek.com
For information about how we process personal data, please refer to our Privacy Policy.
3. Eligibility
Free products are available to anyone with access to the internet. There is no age restriction for accessing free materials, though the content is intended for a professional and academic audience.
4. Free Products — Access and Delivery
4.1 Tools and Online Resources
VaRCalc, the Quant Finance Glossary, Open Access Resources, and Open Educational Online Course materials are freely accessible without registration. No personal data is required to use these materials.
4.2 Free PDF — Algorithmic Trading Models
Access to the free PDF guide Algorithmic Trading Models requires providing your email address via the opt-in form. By submitting your email, you consent to receiving our newsletter and educational communications via Kit (ConvertKit LLC).
Legal basis for processing: consent (Art. 6(1)(a) GDPR). For full details see our Privacy Policy.
4.3 No Charge
All products listed in Section 1 are provided free of charge. We reserve the right to discontinue, modify, or restrict access to any free product at any time without notice.
5. Intellectual Property
All free materials — including VaRCalc, the glossary, the free PDF, course videos, and supporting documents — are protected by copyright law and owned by Eduinn Krzysztof Ozimek.
Free products are licensed to you for personal, non-commercial use only. You may not copy, distribute, resell, republish, embed in commercial products, or make derivative works from any of these materials without prior written permission.
Sharing links to the materials on this website is permitted and encouraged.
6. User Obligations
You agree not to misuse the site or its tools, attempt unauthorized access, circumvent any security measures, or engage in any activity that disrupts the operation of the website or its services.
7. Disclaimer — Educational Content Only
All free products and materials on drkrzysztofozimek.com are provided for educational purposes only. They do not constitute financial, investment, trading, legal, tax, or other professional advice.
Nothing on this website constitutes an offer, solicitation, or recommendation to buy or sell any financial instrument or to engage in any particular trading or investment strategy. You acknowledge that you are solely responsible for your own decisions and actions.
Use of this website does not create any advisory, fiduciary, client, or professional relationship between you and Eduinn Krzysztof Ozimek.
8. Accuracy of Content
Free materials have been prepared with care and are intended for academic and educational purposes. However, we do not guarantee the accuracy, completeness, or timeliness of the information provided. Materials are not peer-reviewed and may contain errors or omissions.
Content is provided "as is" and you use it at your own risk. We expressly disclaim any liability for decisions made based on the information provided through free materials.
9. Affiliate Disclosure
This website and our newsletters may include affiliate links to third-party products or services. If you click an affiliate link and make a purchase, we may receive a commission at no additional cost to you. Any sponsored content will be clearly labeled as such.
10. External Links
Our website and emails may contain links to third-party websites, including YouTube. We do not control and are not responsible for the content, terms, or privacy practices of any third party. Following external links is at your own risk.
11. Limitation of Liability
To the maximum extent permitted by law, we exclude liability for any direct, indirect, incidental, or consequential damages resulting from your use of free products or materials. Nothing in these Terms limits liability that cannot be limited under applicable law.
12. Governing Law & Dispute Resolution
These Terms are governed by the laws of Poland and applicable EU regulations. Any disputes shall be subject to the exclusive jurisdiction of the courts of Poland.
These Terms are provided in English. In the event of any discrepancy between translations, the English version shall prevail.
13. Changes to Terms
We may update these Terms from time to time. Updated versions will be posted on this page with a revised "last updated" date.
14. Severability
If any provision of these Terms is found invalid or unenforceable, the remaining provisions shall continue in full force and effect.
15. Contact
If you have any questions about these Terms, please contact us at: contact@drkrzysztofozimek.com.