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Terms and conditions

I. General regulations

1. Regulations specify types of terms and conditions of electronic services provided by our website www.abraham-bank.org

II. Terminology

Terms used in the regulations:
1. Regulations - applicable rules
2. Service provider - www.abraham-bank.org website owned by ITB Vega, ul. Generalska 6/40, Bydgoszcz, NIP: 554-161-57-50
3. Website - a collection of related webpages available at www.abraham-bank.org
4. User - a person using the website.
5. Registration - supplying any necessary data to service provider's system to implement the web service.
6. Closed part of the service - available to members only.
6. Incoming transfer - Virtual money transfer to user account which is received for the game purpose only.
7. Shopping directory - a part of the website available to members only. It stores the addresses of shops with a short description of products available for virtual shopping.

III. General information about the website

1. www.abraham-bank.org website is an online game to be played via a web browser.
The game requires the user to make virtual bank transfers. User systematically receives virtual cash to make transfers. Transfers are not real which means that the user does not order physical items and services in reality.
2. Game time covers a period of 365 incoming transfers. You are not required to use the site systematically, which means that a number of transfers or transactions and their frequency depend only on the user.

IV. Responsibility and Intellectual Property

1. Service provider reserves the right to decide independently about the content of the website and to apply any necessary modifications without prior notice or knowledge of the Users.
2. Service provider shall not be liable for any damages arising during the use of the website or the impossibility to use the service, loss of user data in the system, delays in transferring data due to lack of transmission, faulty transmissions, delays or other interruptions of the website caused by factors beyond of service provider’s control.

3. The factors that are beyond service provider’s control include in particular:
- technological aspects of website functioning
- technological failure resulting from lack of transmission or stoppage of web links
- overload of internet lines and failures of the internet transmitters (domestic and foreign operators) or lack of access to the network of the operators
- interruption in the supply of electricity and failure of technical equipment
- other circumstances arising from malfunctioning of other service providers and telecommunication operators
- force majeure defined as sudden, unexpected external cause of action beyond of service provider’s control
- necessary repair breaks and other interruptions of a technical nature.
4. The factors that are beyond service provider’s control include the circumstances resulting from failure of user’s equipment or software, including the incorrect use or configuration.
5. Website users are entitled to use the content provided exclusively for their own personal use. Reproduction and modification of data, information, materials and files contained on the website without written consent of the service provider is prohibited.

V. Appropriate use of the website

1. Website requires the use of java script, flash and cookies. Cookies are required only to recognize the user. Flash technology is needed for reading instructions on the website.
2. The user must ensure that receiving and transmitting information on the website will be done only in accordance with the regulations and with applicable law, rules of social conduct and morality.
3. Website Users may include their own content in selected areas of the website, which will stay available to other users. That will include forum comments, entries to the shopping directory and general list of products. By posting any content on the website such as materials available to other users, the user gives service provider a permission to edit, copy and publish that content in different areas of the website.
4. Entries posted by users express their subjective feelings and opinions. Service provider takes no responsibility for content posted by users.
5. Users who share their own content and materials are fully responsible for their compliance with the law and the rules of the website. Service provider reserves the right to disapprove of the posted user’s entries, to edit and to delete entries made and files created by users without stating any reason or prior notice.
6. It is forbidden to publish content that is pornographic, racist, fascist, violent, promoting religious, sexual, racial hatred and generally recognized as violating ethical principles and immoral. Prohibition also applies to the insertion of web addresses that contain the above content.
7. The directory of shops must not contain web pages under construction and containing almost no content, bookmaker websites, webpages related to earning money on the Internet, top lists. Websites added should clearly present the products that are available for purchase online as well as in a traditional way.
Applications or additions of content that violate conditions of these rules shall be removed without any notice to the user. Service provider reserves a right to change title and description of websites added by users. Description of the added webpage should consist of several logical sentences describing the store.
8. Service provider shall not be liable for the content of posts on the forum. The content represents user’s opinion. Forum entries are an expression of personal knowledge and views of their authors only and so should they be interpreted. The user and the author of each message being placed on the forum take full responsibility for its content. Content incompatible with Polish law, containing offensive terms or promoting aggression will be removed by the service provider without notice to their authors.
9. In the case of violation of the rights or third party claims, according to Polish law service provider reserves the right to forward user data to the authorized institutions, including the judicial authorities.
10. In the event of violation of the regulations, service provider has the right to immediately block and to remove user’s data from the system without any notice to the user.

VI. Registration on the website

1. User registration is required to use restricted areas of the website and to post statements on Forum. User Account registration is free.
2. Inappropriate, revolting user name may be removed by the provider. User Name should not contain spaces and diacritics.
3. To complete a website registration, it is necessary to fill in all fields in the registration form and to accept the regulations. The user is responsible for any data provided.    4. Registration on the website is synonymous with the transfer of user’s data to the service providers to receive services under the regulations and the consent to receive additional information related to the website via email.
5. Service provider does not disclose any data to third parties.
6. All user data is confidential except for:
- username, which is displayed on the Forum, in the directory of shops and on the public list of products.
- first and last name which are displayed to other users of the website, to whom the user sends a virtual gift using website services.
- description of preferences in settings of the user. This description is displayed to other users, provided they have chosen appropriate settings.
- e-mail address, which is published in the invitation sent by the user to potential friends.
These entries and activities are voluntary user’s actions on the website and service provider does not require user action in those areas.
7. Provision of personal information is voluntary but necessary in order to take full advantage of all resources on the website. User has a right to view and modify the data provided during registration by editing them in the user’s profile.
8. User can unsubscribe at any time and remove any registration information from the website. To do so, log on to the website, enter the restricted part of the website, then choose the side menu and settings. Click on the link "delete my account and data services." Removal of the data must be confirmed via email. Data can be removed by the administrator without stating any reason. See section V.
Removal of registration data from the website equals losing user’s access to the restricted part of the website.
9. After removing user’s profile from the website, all user’s data is removed from the website except for the entries added to the forum, shops directory and public list of products. If the user wants to delete entries on the forum along with removal of the account then it is user’s obligation to remove the entries on the forum. After deletion of the account these entries will remain undeleted as the Administrator is unable to verify authors of entries on the forum.
10. Accounts of registered users who have not made the first log for a period of one month are deleted.

VII. Payments and Claims

1. Fees for usage of the website are charged every 30 incoming Transfers, commencing the fifteenth incoming transfer.
The fee amount depends on the user but the minimum value is 1 USD or 1 GBP or 1 EUR or 1 PLN.
Payments can be made through:
- PayPal
- Platnosci.pl
2. Failure to make payment in a timely manner means switching off the option to make virtual transfers.
3. In case of cancellation of services while using the website, the provider does not return amount already paid.
4. Complaints regarding problems with payments should be passed on via email form available on our website under Contact.

VIII. Changes of regulations

1. Regulations come into force upon their publication on the website.
2. Service provider reserves the right to make changes to these rules at any time.
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Law of attraction quotes:

I’ve spoken and written a great deal on the law of attraction. This law isn’t new or different from anything that you learned as a child. Simply stated, "What you put out into the world comes back to you several times over." If what you put out is positive, you receive positive returns.

Joe Vitale
You can see the law of attraction everywhere. You draw everything to yourself. The people, the job, the circumstances, the health, the wealth, the debt, the joy, the car that you drive, the community that you're in. And you've drawn them all to you, like a magnet.

Lisa Nichols
As you go about your day, the law of attraction is working in every second. Everything we think and feel is creating our future.

Marci Shimoff
Knowing the law of attraction, the only answer to give is, "Yes, the Universe is friendly." Why? Because when you answer in this way, by the law of attraction you must experience that.

Marci Shimoff
The law of attraction says like attracts like, and so as you think a thought, you are also attracting like thoughts to you.

Bob Doyle
Every thought vibrates, every thought radiates a signal, and every thought attracts a matching signal back. We call that process the law of attraction... The law of attraction says: That which is like unto itself is drawn. And so, you might see the powerful law of attraction as a sort of Universal Manager that sees to it that all thoughts that match one another line up.

Esther & Jerry Hicks
Our job as humans is to hold on to the thoughts of what we want, make it absolutely clear in our minds what we want, and from that we start to invoke one of the greatest laws in the Universe, and that's the law of attraction. You become what you think about most but you also attract what you think about most.

John Assaraf
The law of attraction is really obedient. When you think of the things that you want, and you focus on them with all of your intention, then the law of attraction will give you exactly what you want, every time.

Lisa Nichols
I’m often approached by individuals saying, "I don’t want to know about that mumbo-jumbo law of attraction stuff, just tell me how to make money!" How do you expect to attract money if you don’t understand how to do it? Just like happiness, you can’t pursue money. If you do, you will become a slave to the pursuit. The only way to experience true freedom, is to attract the money to you, allowing it to flow and circulate for the good of yourself and everyone else.

Joe Vitale
Basically put, the law of attraction says that like attracts like. But we're really talking at a level of thought.

Bob Doyle
You were born knowing that you are a powerful Being, that you are good, that you are the creator of your experience, and that the law of attraction is the basis of all creation here in your new environment. You remembered then that the law of attraction is the basis of the Universe, and you knew it would serve you well. And so it has.

Esther & Jerry Hicks
Just like the law of gravity, the law of attraction never slips up. You don't see pigs flying because the law of gravity made a mistake and forgot to apply gravity to pigs that day. Likewise, there are no exclusions to the law of attraction.

Lisa Nichols
By the powerful Universal law of attraction, you draw to you the essence of whatever you are predominantly thinking about. So if you are dominantly thinking about the things that you desire, your life experience reflects those things.

Esther & Jerry Hicks
Think of this random Universe where everything is possible. The organizational skills belong to law of attraction. If you will relax and allow law of attraction to do the organization and the managing, then you can spend your time doing the things that please you.

Esther & Jerry Hicks
It is the combination of thought and love which forms the irresistible force of the law of attraction.

Charles Haanel
The law of attraction is a law of nature. It is as impartial and impersonal as the law of gravity is. It is precise, and it is exact.

Michael Bernard Beckwith
The Universe offers all things to all people through the law of attraction. You have the ability to choose what you want to experience.

Michael Bernard Beckwith
Your vibrational Universe has the law of attraction as its basis. That means that your Universe is about inclusion. When you give your attention to something that you desire and you say yes to it, you are including it in your vibration. But when you look at something you do not want and you say no to it, you are including it in your vibration.

Esther & Jerry Hicks
The law of attraction always yields to you the essence of the balance of your thoughts. No exceptions. You get what you think about—whether you want it or not. And in time, with practice, you will come to remember that the law of attraction is always consistent. It never tricks you.

Esther & Jerry Hicks
Each and every component that makes up your life experience is drawn to you by the powerful law of attraction’s response to the thoughts you think and the story you tell about your life.

Esther & Jerry Hicks
The simplest way for me to look at the law of attraction is if I think of myself as a magnet, and I know that a magnet wilt attract to it.

John Assaraf
So now you start to have different beliefs, like, "There is more than enough in the Universe." Or you have the belief that, "I'm not getting older, I'm getting younger." We can create it the way we want it, by using the law of attraction.

Joe Vitale
The knowledge of The Secret and the intentional use of the law of attraction can be applied to every single subject in your life. It is the same process for everything you want to create, and the subject of money is no different.

Jack Canfield
Up until now you may have been thinking that life is hard and a struggle, and so by the law of attraction you will have experienced life as hard and a struggle. Begin right now to shout to the universe, "Life is so easy! Life is so good! All good things come to me!"

Bob Proctor
The more you practice and begin to see the law of attraction bringing things to you, the greater the magnet you will become, because you will add the power of faith, belief, and knowing.

Bob Proctor
The beautiful thing about the law of attraction is that you can begin where you are, and you can begin to think "real thinking," and you can begin to generate within yourself a feeling tone of harmony and happiness. The law will begin to respond to that.

Michael Bernard Beckwith
The law of attraction doesn't hear that you don't want it. It manifests the things that you're thinking of and so it's going to show up over and over and over again. The law of attraction is not biased to wants or don't wants. When you focus on something, no matter what it happens to be, you really are calling that into existence.

Lisa Nichols
The law of attraction doesn't care whether you perceive something to be good or bad, or whether you don't want it or whether you do want it. It's responding to your thoughts. So if you're looking at a mountain of debt, feeling terrible about it, that's the signal you're putting out into the Universe.

Bob Doyle
The law of attraction is not responding to your words but to the vibration that is emanating from you.

Esther & Jerry Hicks
If you think about the law of attraction now, in terms of us all being One, you will see its absolute perfection.

John Assaraf
The law of attraction doesn't compute "don't" or "not" or "no," or any other words of negation. As you speak words of negation, this is what the law of attraction is receiving: "I don't want a bad haircut -> I want bad haircuts."

Lisa Nichols
The Universe is a mirror, and the law of attraction is mirroring back to you your dominant thoughts. If your thoughts contain noticing you do not have it yet, you will continue to attract not having it yet. You must believe you have it already. You have to emit the feeling frequency of having received it, to bring those pictures back as your life.

Lisa Nichols
The law of attraction is a law of nature. It is impersonal and it does not see good things or bad things. It is receiving your thoughts and reflecting back to you those thoughts as your life experience.

Bob Doyle
When your vibration shifts, your point of attraction shifts, and, by the powerful law of attraction, your manifestational evidence or indicator must shift, also. You cannot talk consistently of the things you do want to experience in your life without the Universe delivering the essence of them to you.

Esther & Jerry Hicks
You get to choose what you want, but you must get clear about what you want. This is your work. If you're not clear, then the law of attraction cannot bring you what you want.

Bob Proctor
You can shift your thoughts to what you want receive confirmation through your feelings that you changed your frequency, and the law of attraction will grab hold of that new frequency and send it back to you as the new pictures of your life.

Bob Doyle
Law of attraction - The basis of your world, your Universe, and All-That-Is. Things of like vibration are drawn to each other.

Esther & Jerry Hicks
The law of attraction is the law of creation. Quantum physicists tell us that the entire Universe emerged from thought! You create your life through your thoughts and the law of attraction, and every single person does the same.

Bob Proctor
It's working as much as you're thinking. Any time your thoughts are flowing, the law of attraction is working. When you're thinking about the past, the law of attraction's working. When you're thinking about the present or the future, the law of attraction is working.

Lisa Nichols
How can you ever expect anyone else to enjoy your company if you don't enjoy your own company? And so again, the law of attraction is about bringing that into your life. Here's the question I would ask you to consider: Do you treat yourself the way you want other people to treat you?

James Ray
The law of attraction, the study and practice of the law of attraction, is just figuring out what will help you generate the feelings of having it now.

Bob Doyle
Find thoughts that feel good, because it is inevitable that you are going to always be moving toward something. So why not be moving toward something that is pleasing? You can't cease to vibrate, and law of attraction will not stop responding to the vibration that you are offering. So, expansion is inevitable. You provide it, whether you know you do, or not. The only question is, what is the standard of joy that you are demanding for yourself?

Esther & Jerry Hicks
When you allow a thought of doubt to enter your mind, the law of attraction will soon line up one doubtful thought after another.

James Ray
Remember, you live in a Vibrational Universe, and all things are managed by the law of attraction. And you get what you think about, whether you want it or not, because whenever you achieve vibrational harmony with something because you are giving it your attention, the vibrational essence of it will, in some way, begin to show up in your life experience.

Esther & Jerry Hicks
If you start out having a good day and you're in that particular happy feeling, as long as you don't allow something to change your mood, you're going to continue to attract, by the law of attraction, more situations and people that sustain that happy feeling.

Bob Doyle
The law of attraction says that like attracts like. You are an energy magnet, so you electrically energize everything to you and electrically energize yourself to everything you want.

John Assaraf
The law of attraction is always working, whether you believe it or understand it or not.

Bob Proctor
Everything that exists, in your air, in your dirt, in your water, and in your bodies, is vibration in motion—and all of it is managed by the powerful law of attraction.

Esther & Jerry Hicks
To become aware of your thoughts, you can also set the intention, "I am the master of my thoughts." Say it often, meditate on it, and as you hold to that intention, by the law of attraction you must become that.

Joe Vitale
It is always helpful to remember that you get the essence of what you think about—whether you want it or not—because the law of attraction is unerringly consistent. Therefore, you are never only telling the story of "how it is now." You are also telling the story of the future experience that you are creating right now.

Esther & Jerry Hicks
You are the creator of you, and the law of attraction is your magnificent tool to create whatever you want in your life. Welcome to the magic of life, and the magnificence of You!

Bob Proctor
See yourself living in abundance and you will attract it. It works every time, with every person. As you think of yourself living in abundance, you are powerfully and consciously determining your life through the law of attraction. It's that easy.

Bob Proctor