Vistula Wealth Advisors Terms of Service

1. Who do these terms apply to?

This document is a set of rules on which our cooperation is based. The service administrator is Vistula Wealth Advisors, based in Warsaw at pl. Trzech Krzyży 10. We have been active on the market since September 2016. During this time, we have already helped 487 families secure their wealth against inflation and errors in succession. By using our website or sending an inquiry through the form, you accept these provisions. Honestly, the rules are here so that you know exactly what to expect from us and how we take care of your capital. If you do not agree with any part of this text, please leave the site. We respect your time and your money, so we write without fluff and unnecessary jargon.

2. What do we do for you?

Vistula Wealth Advisors is a boutique agency. We are not a mass bank. Our activities focus on four main areas. The first is family foundations. The entire process of setting them up takes an average of 43 business days. The second is protection against inflation, where we build portfolios based on hard assets. In 2024, our clients achieved an average profit of 6.8% above the inflation rate. The third pillar is an investment portfolio audit. We check your current contracts with banks and deliver a 14-page report within 48 hours. The last area is succession in the company. Since 2018, we have conducted 34 successful generational changes in Polish enterprises. Each of these activities requires full discretion and a focus on numbers that speak for themselves.

3. Client qualification

We must be clear – we do not work with everyone. Our wealth protection models are effective for capital above 2.3M PLN. For smaller amounts, the costs of maintaining a foundation or a professional audit would simply not pay off for you. We focus on serving a limited group of 487 families so that Marek Starowieyski or another managing partner always has time to answer your call. If your wealth has not reached this threshold yet, our educational content in the knowledge base is available to you free of charge, but we will not be able to offer you the full Family Office model. This is not a matter of a lack of will, but pure economics of your portfolio.

4. Your duties as a client

Truth is the foundation of our work. When you order an express audit or ask for a foundation quote, you must provide true data. If you lie in the form, our calculations will be worthless. When you schedule a 25-minute introductory talk, please be punctual. We respect your time – Marek Starowieyski will get back to you exactly within 2 hours and 14 minutes from the appointment confirmation. In return, we expect you to be prepared to talk about specifics. It is forbidden to use our tools, such as the profit calculator, for purposes other than private simulation. You also cannot copy our texts or market analyses without written consent issued at pl. Trzech Krzyży.

5. Copyright and ownership

Everything you see on this site belongs to Vistula Wealth Advisors. The logo, name, proprietary foundation statute project, and the 14-page report structure are protected by law. Our visual style – deep wine red and sand beige – is our trademark, intended to resemble the interior of a closed club. We do not allow copying our content to other financial services. If you want to share our article from the knowledge base, use the official link. Remember that the numbers and statistics we share are the result of our work since September 2016. Using them by other agencies as their own results is unfair and will result in legal action in a court in Warsaw.

6. Disclaimer

This is a very important point. Vistula Wealth Advisors provides knowledge and tools for capital protection, but we are not clairvoyants. Investing always involves risk. The result of 6.8% above inflation from 2024 is a historical fact, not a promise for the future. We do not take responsibility for sudden changes in Polish tax law or crashes on global stock exchanges that we have no influence over. Our audit shows bank errors in 94.6% of cases, but you make the final decision about changing the strategy. We always recommend that before signing a foundation statute, you consult it with your trusted notary or lawyer. We provide hard data and proven structures, but the final say belongs to you.

7. Termination of contract and payments

Our payment rules are simple. You pay a one-time fee of 4,830 PLN for an express audit. A foundation setup costs 18,700 PLN. We do not take commissions from your profits, which distinguishes us from most banks. If you order work from us and then resign during the process (e.g., on the 20th day of the foundation setup), we will settle for the hours worked up to that point. In the Family Office model, an annual retainer of 0.72% applies, payable in quarterly installments. You can terminate this cooperation with a 30-day notice period. Upon termination of the contract, all your data is permanently deleted from our systems within 97 days, unless law regulations require us to store it longer.

8. Changes to terms

The financial market changes quickly, so our terms may also undergo an update. We will not spam you for every comma change. However, if we change key rules, e.g., the entry threshold for new clients or the way audit fees are calculated, we will inform you by e-mail. The new version of the terms comes into force on the day of publication on this subpage. The last update date is always at the bottom. If you continue to use our services after the terms have changed, it means you accept the new rules. We have been here for 9 years and plan to stay for decades to come, so we ensure every change is fair for both sides.

9. Law and dispute resolution

We resolve all disputes first over coffee in our office at pl. Trzech Krzyży 10. We believe in a human approach and dialogue. However, if we fail to reach an agreement, the matter is resolved by Polish law and the court competent for the capital city of Warsaw. Since 2016, we have not had a single court case with our clients, which best testifies to the quality of our work and the fairness of the rules. We protect what you built, and we expect the same from you regarding compliance with these terms. If you have questions about these provisions, write to biuro@vistula-wealth.pl – we will answer on average in 47 minutes.