Terms of service
„Filing a claim in the bankruptcy proceedings of BB Trade Estonia OÜ (Zonda) conducted in the Republic of Estonia”

1. The ZondaOdzyskaj.pl service is operated by Krajowe Centrum Obsługi Długów sp. z o.o., with its registered office in Olsztyn, ul. F. Nowowiejskiego 9/401, 10-162 Olsztyn, Poland, NIP 7393980771, REGON 524614251, KRS 0001019984 ("the Firm"). The president of the management board, Damian Przybyłowski, is a licensed restructuring adviser no. 1834.
2. Contact: kontakt@zondaodzyskaj.pl, tel. +48 89 675 0002, Mon–Fri 8:30–16:00.
3. The service is addressed to natural persons, entrepreneurs and legal persons holding claims against BB Trade Estonia OÜ in respect of funds or crypto-assets frozen on the Zonda platform.
4. To use the service you need a device with internet access, a current browser, an active e-mail address and a telephone able to receive SMS messages.

1. Harju Maakohus in Tallinn declared BB Trade Estonia OÜ bankrupt on 27 August 2026 (case 2-26-14436). The notice appeared the same day in the Estonian official gazette Ametlikud Teadaanded.
2. The deadline for filing claims expires on 27 October 2026. A filing made after the deadline is dealt with last.
3. The trustee is Margus Lentsius of Advokaadibüroo Lentsius & CASUS.
4. The first creditors' meeting is set for 17 September 2026 at 11:00, in room 3005 of Harju Maakohus in Tallinn. The agenda includes the election of the bankruptcy committee (pankrotitoimkond), which supervises the trustee's actions. That committee will advise the trustee on, among other things, whether and on what terms crypto-assets are released to creditors.
5. The right to vote at that meeting belongs to creditors whose proof of claim reaches the trustee no later than 11 September 2026 This is a deadline separate from the deadline for filing the claim itself, which expires on 27 October 2026.
6. We publish the current state of the case on the site and in the client panel. Updating this information is not an amendment to these Terms.

1. The whole path takes place in a single pass: you complete the form, the system generates a contract with your data and the calculated amounts, you accept it and you pay. There is no separate registration stage and no waiting period.
2. Before you pay, you see the whole picture: the text of the contract, these Terms, the calculated initial fee and the annual fee. Nothing happens without your confirmation.
3. The deadline in Estonia expires on 27 October 2026, and with the number of cases we handle, working efficiently matters. This has a consequence you need to know about: the basis of the filing is solely what you enter in the form. We do not reconstruct balances from the documents you send. Check your data before you pay — details in § 8 of these Terms and § 7 of the contract.
4. We verify the documentation after the contract is concluded, when preparing the proof of claim. If anything is missing, we will ask you to supply it through the panel.
5. We may also decline to handle the case after the contract is concluded — if a conflict of interest comes to light, the data proves untrue, the claim is not made plausible, or the case would be contrary to the law or to professional ethics. If we have not started work on your case, we return the whole amount paid within 14 days and give you the reason. We do not keep money for a case we are not handling. If we have already started work, we will refund the fee for the unused period of care.
6. If your claim is small, you will see a warning in the form before you pay — together with information that you can file the claim yourself. You do not need a lawyer to file, and the trustee accepts filings by e-mail.

1. We conclude the contract in documentary form. Its text is generated individually for you from the data in the form and bears the Firm's system signature.
2. You conclude the contract by accepting its terms, making the declarations in the form and paying through the operator iMoje (ING Bank Śląski S.A.). The contract is concluded at the moment we receive confirmation that the payment has been authorised.
3. The declarations you make in the contract and the form — as to the truth of the data, as to exclusivity, and as to your request that the service begin before the withdrawal period expires — are recorded and preserved in the generated PDF of the contract together with the date and time. You receive that file by e-mail and in the panel.
4. You have 14 days to withdraw from the contract. Because the deadline in Estonia runs independently, we ask for your consent to start work straight away. If you nonetheless withdraw, we settle on the terms in § 8 of the contract — you will find the specific amounts and an example there.
5. You provide the power of attorney either signed by hand (a scan or photograph through the panel, the original by post) or with a qualified electronic signature (NOTE — ePUAP is not sufficient). Until we receive the power of attorney we cannot file the proof of claim or the exclusion application.
6. We issue the invoice, make it available in the panel and send it by e-mail.

1. We act in two steps. We always file a proof of claim on the EU form. If it turns out that the trustee holds crypto-assets and the grounds for excluding them from the estate are met, we additionally file an exclusion application — at no extra cost. The exclusion application concerns crypto-assets only; cash balances are filed solely as a monetary claim.
2. We do not file the exclusion application at the same time as the proof of claim. First it must be known which crypto-assets the trustee holds, and the position on this will be the subject of an opinion from the creditors' committee elected at the meeting of 17 September 2026. The Firm decides when to file and informs the client of this in the panel; the details are set out in § 1(5) of the contract. We charge no additional remuneration for the exclusion application, whatever the year in which it is filed. The application is considered in the first instance by the trustee. In Estonian practice to date trustees do not grant such applications, and the matter is resolved only in court proceedings commenced by an action to exclude property from the estate. Such an action procedurally requires the participation of an Estonian advocate, is not covered by the initial fee and is priced separately — the rules are set out in § 9 below and § 5 of the contract. The deadline of 27 October 2026 applies solely to the proof of claim; an exclusion application is not a monetary claim, is not subject to that deadline and may be filed and pursued later.
3. The initial fee covers the proof of claim and the conduct of the case for the first 12 months, as well as the exclusion application if one is filed — regardless of when it is filed. A detailed list of activities is in § 2 of the contract.
4. From the second year, care is voluntary and paid for separately. The contract does not renew itself — you decide separately each year, in documentary form.
5. Representation at creditors' meetings. Attendance and voting on your behalf at creditors' meetings are covered by the initial fee in the first year, and by the annual fee in subsequent years. The right to vote arises, however, only where your claim has been filed within the time limit giving a right to vote at the meeting in question. For the first meeting, set for 17 September 2026, that time limit is 11 September 2026 (§ 2(5)). If you conclude the contract with us and provide the power of attorney early enough for the filing to reach the trustee within that time limit, we will represent you and vote on your behalf. If not — we still file your claim and inform you of the course of the meeting, but you will have no right to vote at the first meeting. This does not affect your participation or your right to vote at subsequent meetings. It also matters for crypto-assets: the creditors' committee elected on 17 September will advise the trustee whether and on what terms crypto-assets are released to creditors. A vote cast at that meeting therefore indirectly affects how exclusion applications are treated.
6. Also without the annual fee, indefinitely and at no extra cost: your power of attorney remains in force, we monitor events capable of defeating your claim (the list of claims, the deadline for objection, the distribution plan) and inform you of them, we check the distribution plan and watch the payout, and you retain access to the panel. If grounds arise for filing an application to exclude crypto-assets, we file it at no additional cost, including in years for which you have not purchased care. The annual fee covers full monitoring — all other events, reports and analyses.
7. Without the annual fee you receive information, but you carry out the steps yourself — this concerns, among other things, responses to the trustee's calls from the second year onwards.
8. We handle the case on an exclusive basis. In concluding the contract you declare that you have not instructed another firm or representative in respect of the same claim, have not filed it yourself and have not assigned it to anyone else. The point is to avoid two filings of the same claim — the trustee could recognise only one of them or challenge both. The rules and consequences are set out in § 9 of the contract.

All amounts are gross (they include VAT), in Polish zloty. What you see is what you pay — you do not have to convert or add anything.

1. Initial fee — calculated on the amount of the claim you state in the form. Each rate applies solely to its own band (a tiered, degressive scale).

   Claim band	Rate
   up to 25,000 PLN	4%
   25,000 – 100,000 PLN	2%
   100,000 – 250,000 PLN	0,6%
   250,000 – 500,000 PLN	0,4%
   over 500,000 PLN	0,2%

   The minimum initial fee is 500 PLN and the maximum is 5,000 PLN.

   Examples: a claim of 10,000 PLN → 500 PLN · 21,000 PLN → 840 PLN · 60,000 PLN → 1,700 PLN · 150,000 PLN → 2,800 PLN · 400,000 PLN → 4,000 PLN · 800,000 PLN and above → 5,000 PLN.

2. Annual fee from the second year — 20% of the initial fee, not less than 150 PLN per year. Available to everyone, with no minimum claim threshold.
3. Success fee — calculated solely on the amount you actually receive. A tiered, degressive scale; each rate applies to its own band.

   Recovery band	Rate
   up to 25,000 PLN	15%
   25,000 – 100,000 PLN	12%
   100,000 – 250,000 PLN	10%
   250,000 – 500,000 PLN	8%
   500,000 – 1,000,000 PLN	6%
   over 1,000,000 PLN	5%

   Examples: a recovery of 20,000 PLN → 3,000 PLN · 50,000 PLN → 6,750 PLN · 100,000 PLN → 12,750 PLN · 200,000 PLN → 22,750 PLN · 1,000,000 PLN → 77,750 PLN.

4. The 50% cap. We will not charge a success fee if, together with the initial fee and annual fees, it would exceed half of the amount you recover. The cap operates by reducing the success fee, to zero if necessary. The cap does not apply to the initial fee or the annual fees themselves — if these prove higher than half of the amount recovered, we do not refund them, but we then charge no success fee at all.
5. We say this openly: with small claims the 50% cap may not operate, because there is no success fee left to reduce. That is why, with low claims, you will see a warning before payment and we will show you the do-it-yourself route (§ 3(6)).
6. The rates in force on the day the contract is concluded do not change until the proceeding ends. A change of rates in these Terms does not affect contracts already concluded.
7. After the 14-day withdrawal period expires, the initial fee and annual fees are not refundable — including where the proceeding ends without any payout to creditors. The rules on withdrawal and settlement are set out in § 8 of the contract. A separate case is our refusal to handle the matter (§ 3(5)) — we then refund the whole amount if we have not yet started work on your case. On withdrawal we treat 80% of the initial fee as attributable to preparing and filing the proof of claim, and 20% to conducting the case for the first 12 months; only the unused part of that 20% is refundable.

1. The basis of the claim is the quantities of assets you have stated. The valuation is derived from them.
2. Cash balances are converted into euro at the European Central Bank reference rates for 27 August 2026 — the day bankruptcy was declared. The rates: 1 EUR = 4.3268 PLN, 1 EUR = 1.1645 USD. We archive the rate file from ecb.europa.eu as evidence and attach it to the filing.
3. We value crypto-assets by a method that can be reproduced:

   - a single source of quotations for every case and every asset;

   - the average of 25 hourly quotations across the day of 27 August 2026 (UTC), rather than a price from a single moment;

   - conversion from dollars into euro in one step, at the ECB rate of 1.1645;

   - USDT and USDC are treated by the convention 1 unit = 1 USD;

   - for each asset we record the rate, the source, the method, the date and the moment of retrieval — a schedule of the rates is attached to the filing.

   We do this because in the CoinLoan bankruptcy the trustee disclosed the moment of valuation but not the source of the prices, and creditors could not reproduce the calculations. We follow the practice from the FTX and Celsius proceedings, where the valuation was open and verifiable.

4. We capitalise interest as at 26 August 2026. The starting date is established in a cascade: the day following the date of the last blocked withdrawal instruction, or, if there is none, 24 April 2026, that is the day after the Zonda Crypto servers were blocked.
5. If the trustee indicates a different valuation method, we will recalculate every case in a single pass and inform you of the change.
6. Two valuation dates. We file the amount of the claim as at 27 August 2026. If you recover crypto-assets in kind, we calculate the success fee on their value on the day of release, by the same method. This is not an inconsistency — the first date serves the proceeding in Estonia, the second the settlement with us.
7. We settle with you in zloty. If you receive a payout in euro, we convert it into zloty at the average rate of the National Bank of Poland for the day on which you received the funds (§ 6(6) of the contract).
8. In correspondence with the trustee we use euro exclusively. The amounts in zloty which you see in the panel are for orientation only — they represent the value of the claim filed at the rates for 27 August 2026, not an amount to be paid out.

1. The basis of the filing is solely the form you complete on the site. The documents you send are attached as evidence, but we do not reconstruct balances from them and do not use them to recalculate the amount of the claim. If a document shows a different value from the form, the value in the form prevails.
2. To submit the filing we require the login or e-mail address of your Zonda Crypto account. Without it we cannot file the application.
3. You may correct your data in the panel up to the moment the application is filed. A correction before filing causes the initial fee to be recalculated — any overpayment is refunded within 14 days, any shortfall is paid before the application is filed. After filing we do not recalculate the fee.
4. You are responsible for the truth and completeness of the data in the form. The details are governed by § 7 of the contract.

1. We communicate through the client panel (panel.zondaodzyskaj.pl), by e-mail and by SMS. The contract, the terms, the panel, the telephone and written correspondence — all in Polish.
2. In the panel you see the status of the case, the documents and notifications. Messages material to the case are deemed delivered at the moment they are sent to the e-mail address you have given. Please check your mail and keep your contact details up to date.
3. We file in Estonia in a language permitted by EU rules. The trustee may require a translation into Estonian — § 9 of the table above then applies.

1. The controller of your data is Krajowe Centrum Obsługi Długów sp. z o.o., contact: kontakt@zondaodzyskaj.pl.
2. We process the data in order to conclude and perform the contract (Article 6(1)(b) GDPR), to comply with legal obligations (point (c)) and in our legitimate interest — handling the case, pursuing amounts due, systems security (point (f)).
3. We pass the data to: the trustee and the court in Estonia, administrative authorities, our partner Estonian law firm (with your consent, in the case under § 9), IT service providers, translators and the payment operator. We do not pass your data to the debtor beyond what follows from the filing itself being made in the proceeding.
4. Estonia is a European Union member state — passing data to the Estonian trustee and court is not a transfer outside the European Economic Area.
5. You have the right of access to your data, rectification, erasure, restriction of processing, portability, objection, and to lodge a complaint with the President of the Polish Data Protection Authority (UODO).
6. We retain the data for the duration of the proceeding and for the period arising from accounting rules and limitation periods. The details are set out in the Privacy policy available on the site.

1. Submit a complaint by e-mail to kontakt@zondaodzyskaj.pl or in writing to the Firm's address. We reply within 14 days.
2. As a consumer you may seek the assistance of the municipal or district consumer ombudsman, the Provincial Trade Inspection Authority, and the European Commission's ODR platform.

1. In matters not regulated here, Polish law applies, in particular the Civil Code, the Consumer Rights Act and the Act on the provision of services by electronic means, and as regards the proceeding itself — Regulation (EU) 2015/848 and Estonian law.
2. We may amend these Terms on 14 days' notice. Amendments do not affect contracts concluded earlier — the version of the Terms in force on the day your contract was concluded applies to it.
3. Updating the information on the state of the proceeding (§ 2) is not an amendment to these Terms.
4. If any provision proves invalid, the remainder stays in force.
5. These Terms are in force from 3 September 2026 and replace version v6 of 2 September 2026 and all earlier versions.
6. Those who came to us before that date have not incurred and do not incur any costs in respect of that earlier registration. To instruct us, they follow the same path as everyone else (§ 3).