Calculation methodology and platform operating principles

All tools, calculators (including ROI, Cashflow and payback period calculators), automated indicators (including the indicator ZI Score™), generated Teaser PDF reports and analyses available on the website are solely educational, illustrative and supplementary.

Data presented on the platform and calculation results do not constitute investment recommendations or legal, tax or financial advice.

The ZyskZNieruchomosci.pl portal and its Operator accept no financial or legal liability for any investment decisions, losses, costs, loans, lost profits or adverse financial consequences arising directly or indirectly from analyses performed on the website. The User is solely responsible for final verification of costs and profitability, at their own risk.

All calculations on the website are based on the following mathematical models and input data entered by the User or Agent:

Total investment cost

The sum of the property purchase price and additional upfront costs, including taxes (e.g. PCC civil law transactions tax), notary fees, agent commissions, court fees and the estimated renovation and finishing budget.

Rental income (monthly / annual)

Total income generated by the property before deducting fixed costs (gross rental income).

Fixed costs (maintenance)

Total annual or monthly expenses, including service charges, renovation fund contributions, property insurance, property taxes and a reserve for potential vacancy.

Monthly cash flow (Cashflow)

ROI (Return on Investment)

ZI Score™ is a proprietary, 100% automated indicator assessing a listing’s investment appeal, scored on a scale of 1 to 100 points.

ZI Score™ is calculated algorithmically through comparative analysis of the following components: price relative to average market prices in the region, calculated ROI relative to the market segment, and completeness of entered legal data (including Land and Mortgage Register information).

ZI Score™ is solely a mathematical opinion generated by the system and must not be treated as an official valuation by a property valuer. The Operator accepts no financial liability for decisions based on this indicator.

Analysis history

Logged-in Users can access a module for saving their calculations. This data is stored in a secure database. The Portal reserves the right to delete it if the User permanently deletes their Account.

Teaser PDF

The PDF report generator presents simulation results in a polished visual format. The report contains only data entered and approved by the User, is not an official document and transfers no financial liability to the Operator.

Automatic badges

Badges such as “ROI Hunter”, “ZI Score™ Master” and “Foreign Markets Expert” are awarded 100% automatically by the system algorithm based on an analysis of the Agent’s active listing parameters. Verification takes place once daily and is not subject to manual changes or voting.

Community endorsement badges

Users with a registered account may cast one vote for a selected community endorsement badge for an Agent. Artificially generating votes using fake accounts is prohibited and may result in the vote count being reset or the profile being blocked.

“Featured Experts” section on the Home Page

Agent Profiles are displayed in this section based on organic criteria (highest number of community votes, highest average ZI Score™) or paid promotional packages (Premium), if such services are introduced by the Portal.

1. Definition and nature of the indicator

Agent Expertise Level (Expert Score) is a proprietary, 100% automated numerical indicator used to visualize an Agent’s activity, credibility and professional profile completeness on ZyskZNieruchomosci.pl. This indicator is purely illustrative and informational.

2. Points calculation methodology

Points in the Agent Expertise Level system are awarded automatically by the system algorithm based on data entered in the Agent’s profile and their activity. Points are calculated according to the following schedule:

• Listing activity: 1 point for each active listing.
• Geographic reach of listings:
  • 5 points once – for having listings in at least 2 different countries.
  • 10 points once – for having listings in at least 3 different countries.
• Profile verification: 10 points once – for completing the Agent identity verification process.
• Language skills:
  • 5 points once – for knowing at least 2 languages (native + 1 foreign).
  • 5 points once – for knowing at least 3 languages (native + 2 foreign).
• Profile completeness: 3 points once – for completing all required fields: photo, first name, surname, phone number, bio, specializations, service area, foreign languages and agency affiliation.
• Social media presence (one-time bonuses):
  • 2 points – for adding an Instagram profile link.
  • 2 points – for adding a Facebook profile link.
  • 2 points – for adding a YouTube profile link.

3. Disclaimer

Agent Expertise Level does not constitute a service quality certificate, professional recommendation or confirmation of Agents’ competence by the website Operator. The score is solely the result of an algorithmic mathematical calculation. The Operator accepts no liability for any discrepancies between a high Agent Expertise Level and the actual quality of the Agent’s services. The decision to engage an Agent rests solely with the User.

4. Algorithm updates

The Operator reserves the right to modify point weights and change the Agent Expertise Level calculation methodology at any time to ensure the reliability and objectivity of the ranking. These changes do not require individual notification of Users, provided they do not alter material contractual provisions.