Effective date: 8^th October 2026

This Privacy Policy explains how Živno ("we," "us," or "our") collects and uses personal data when you visit our website or use our software-as-a-service platform (the "Service"). It is designed to meet the transparency requirements of the EU General Data Protection Regulation ("GDPR") and Czech implementing law.

1. Scope

This Policy applies to personal data processed in connection with: (a) our website at www.zivno.cz; (b) the authenticated app; and (c) communications with us (support, billing, product updates).

2. Who We Are and How to Contact Us

We are the controller for personal data we process to operate our website, create and administer user accounts, provide support, manage subscriptions, and run the business.

Contact: For privacy questions or requests: support@zivno.cz

3. What Personal Data We Collect

We collect the following categories of personal data:

• Account Data: name, email address, login and authentication data, account settings, and profile information
• Billing and Payment Data: billing contact details, invoice and receipt information, VAT or tax identifiers, payment status, and transaction metadata required to process subscriptions
• Customer Content: invoice content, client/vendor records, expense records, receipt images, and other business data you upload to the Service
• Communication Data: support messages, email correspondence, product feedback, and account-related notes
• Usage and Device Data: IP address, device and browser information, app events, performance metrics, logs, and error information necessary to secure and improve the Service

4. Why We Process Personal Data and the Legal Basis

We process personal data for the following purposes:

• To create and maintain your account and provide the Service to you (contract performance)
• To process subscriptions, invoices, and billing administration (contract performance and legal obligation)
• To support customer requests and communicate with you about the Service (contract performance and legitimate interests)
• To secure the Service, detect misuse, and prevent fraud or abuse (legitimate interests)
• To maintain accounting, tax, and commercial records as required by applicable law (legal obligation)
• To improve, analyse, and troubleshoot the Service, where required by law or where we have obtained valid consent for non-essential analytics or marketing cookies (legitimate interests or consent)

5. Third-Party Processors and Data Sharing

We use a limited number of trusted third-party providers to process personal data on our behalf solely to deliver the Service and support core application functionality. We do not sell personal data to third parties, and we do not use customer data for unrelated marketing or resale purposes.

Stripe: We use Stripe to process subscription and payment transactions. Stripe receives the payment and billing data necessary to complete your subscription and may process personal data outside the EEA in connection with the provision of payment services. Stripe is contractually required to handle personal data in line with applicable data protection requirements and its own privacy terms.

TagGun: We may use TagGun for receipt scanning and data extraction. This may involve sharing receipt data, including business names, amounts, dates, VAT information, and other fields contained in the receipt itself. We only share the minimum data necessary for the receipt-processing feature to work within the app, and we do not sell or repurpose that information for any unrelated commercial purpose. We require appropriate contractual safeguards with the processor.

OpenAI: We may use OpenAI services for expense categorization and related operational features. We do not send personal data to OpenAI for the purpose of these features unless it is strictly necessary for a specific app functionality and we have a valid legal basis for doing so. In those cases, we limit the data sent to the minimum necessary and use appropriate data protection safeguards. We do not use OpenAI to profile or make automated decisions that materially affect individuals without appropriate oversight.

We may also use other service providers for hosting, email delivery, support tools, analytics, and infrastructure. Where required by law, we ensure data transfers are protected by appropriate safeguards such as standard contractual clauses or equivalent mechanisms.

6. Cookies and Tracking

We use strictly necessary cookies for authentication, session management, security, and core platform functionality. We only use analytics or marketing cookies where we have obtained valid consent or where the use is otherwise permitted by applicable law. We do not enable non-essential tracking scripts before consent is given.

You may manage your cookie preferences at any time from the cookie banner or by adjusting your browser settings. See our Cookie Policy for more details.

7. Data Retention

We retain personal data only for as long as necessary to fulfil the purposes for which it was collected, to provide the Service, to meet legal obligations, or to resolve disputes. In particular:

• Account and profile data is retained while the account remains active and for a reasonable period afterwards, where necessary for service operation, security, or legal obligations
• Invoice, billing, and expense records are retained for the period required by applicable accounting, tax, or commercial laws, and no longer than necessary
• Receipt images and extracted data are retained only as long as needed to support the relevant expense or accounting record and are deleted or anonymised when no longer required
• Payment and subscription data is retained only for the period required to complete transactions, maintain records, and comply with legal obligations

8. Your Rights

Under the GDPR, you may have the right to access, correct, delete, or restrict processing of your personal data, to object to certain processing, to request data portability, and to withdraw consent where consent is the legal basis. You may also ask for information about the categories of personal data processed and the recipients of that data.

To exercise your rights, please contact us at support@zivno.cz. We may ask you to verify your identity before processing a request, and we will respond within the time required by applicable law. In some cases, legal obligations or rights of others may limit the extent to which we can comply with a request.

9. Security

We implement reasonable technical and organisational measures to protect personal data against unauthorised access, loss, misuse, alteration, or disclosure. These measures include access controls, secure infrastructure, encryption in transit where appropriate, and operational safeguards for handling customer data. However, no system can be guaranteed to be completely secure, and we cannot guarantee the absolute security of information transmitted over the internet.

Contact Us

Don't hesitate to contact us if you have any questions.

Via Email: support@zivno.cz

Effective date: 8^th October 2026

This Cookie Policy explains how Živno ("we," "us," or "our") uses cookies and similar technologies on our website and within our application (together, the "Service"). It should be read together with our Privacy Policy.

We use strictly necessary cookies to operate the Service and protect security. We do not set non-essential analytics or marketing cookies unless you provide valid consent through the cookie banner or consent preference center.

1. What Cookies Are

Cookies are small text files stored on your device when you visit a website. We also use similar technologies (such as local storage, SDK identifiers, pixels, and device/browser identifiers) that perform similar functions. In this policy, we refer to all of these as "cookies" unless stated otherwise.

2. Why We Use Cookies

We use cookies to:

• operate the Service (sign-in, session management, security);
• remember preferences (language, settings);
• measure performance and reliability (diagnostics, error logging);
• understand how the Service is used (analytics) only where consent has been granted; and
• where enabled, improve and tailor product experience.

3. Cookie Categories We Use

3.1 Strictly Necessary Cookies

These are required for the Service to function and cannot be switched off in our systems. They are generally set in response to actions you take, such as logging in, maintaining your session, or protecting the Service from abuse.

3.2 Functional Cookies

These improve functionality and personalization, such as remembering preferences.

3.3 Analytics / Performance Cookies

These help us understand how visitors and users interact with the Service (e.g., which pages/features are used, performance metrics) so we can improve reliability and user experience.

3.4 Security and Fraud-Prevention Cookies

These help detect suspicious activity, defend against abuse, and keep accounts safe.

4. How to Manage Cookies

You can control cookies in several ways:

4.1 Cookie banner / preference center

Where available, you can accept, reject, or customize non-essential cookies.

4.2 Browser settings

Most browsers allow you to block or delete cookies. If you block strictly necessary cookies, parts of the Service may not work (including login).

Contact

If you have questions about our use of cookies, contact: support@zivno.cz

Effective date: 8^th October 2026

This Copyright Policy explains how Živno ("we," "us," or "our") protects its intellectual property and how we handle copyright-related notices concerning content available through our website and application (the "Service").

1. Ownership of the Service

Unless expressly stated otherwise, Živno owns (or licenses) all rights, title, and interest in and to the Service, including the software, user interface, visual design, trademarks, logos, text, graphics, templates, documentation, and other materials.

2. Limited Permission to Use

Subject to your compliance with our Terms of Use, we grant you a limited, revocable, non-exclusive, non-transferable permission to access and use the Service solely for your internal business use.

3. User Content and Your Rights

You retain ownership of the content and materials you upload, submit, or store through the Service (including invoices, client/vendor records, receipt images/files, and expense documentation).

4. Copyright Infringement Claims

We respect intellectual property rights and expect our users to do the same. If you believe that content available on or through the Service infringes copyright, you may submit a written notice to us.

5. How to Submit a Copyright Notice

To report alleged infringement, send an email to support@zivno.cz with the subject line "Copyright Notice" and include identification of the copyrighted work, the allegedly infringing material, your contact information, and statements of good faith belief and accuracy.

Contact

For copyright matters, contact: support@zivno.cz (subject: "Copyright Notice")

Effective date: 8^th October 2026

This Refund & Cancellation Policy explains how refunds, cancellations, and billing disputes are handled for Živno. It forms part of, and should be read together with, our Terms of Use.

1. General Rule

Živno is a software-as-a-service (SaaS) platform providing immediate access to digital functionality upon purchase. All sales are final. Except as expressly required by applicable law, Živno does not provide refunds, credits, or partial reimbursements for any purchase.

2. Subscriptions

Subscriptions renew automatically unless cancelled before the renewal date. You may cancel your subscription at any time. Cancellation prevents future charges but does not entitle you to a refund for the current billing period. We do not offer pro-rata refunds or credits for unused time.

3. Lifetime Access Plans

Lifetime access is a one-time fee granting access for the lifetime of the Service. Lifetime access purchases are non-refundable once access has been granted.

4. Billing Errors

If you believe you were charged incorrectly (e.g., duplicate charge, incorrect plan), you must contact us promptly at support@zivno.cz. Verified billing errors attributable to Živno may be corrected at our discretion.

Contact

If you have questions about this Policy, contact us at support@zivno.cz

Effective date: 8^th October 2026

This End User License Agreement ("EULA") is a legally binding agreement between you and Živno. It governs your installation and use of Živno software clients (including any mobile/desktop apps and any downloadable components), and any related updates we provide.

If you do not agree to this EULA, do not install, access, or use the Software.

1. Relationship to Other Terms

Your use of the Živno service, website, subscriptions, and features delivered over the internet is governed by our Terms of Use and Privacy Policy. This EULA governs the Software.

2. License Grant

Subject to your compliance with this EULA, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to install and use the Software on Devices you own or control solely to access and use the Service for your internal business purposes.

3. Restrictions

You may not, and may not permit others to:

• copy, modify, adapt, translate, or create derivative works of the Software;
• reverse engineer, decompile, or disassemble the Software;
• bypass, disable, or circumvent technical restrictions or security features;
• rent, lease, sell, sublicense, assign, distribute, or otherwise transfer the Software;
• introduce malware or perform unauthorized security testing;

4. Disclaimers

To the maximum extent permitted by law, the Software is provided "as is" and "as available." The Software does not constitute tax, legal, accounting, or financial advice. You are solely responsible for verifying outputs and meeting your legal obligations.

5. Limitation of Liability

To the maximum extent permitted by law, we are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages. Nothing in this EULA limits liability that cannot be limited under mandatory law.

Contact

If you have questions about this EULA, contact us at support@zivno.cz

Effective date: 8^th October 2026

Živno ("we," "us," or "our") operates a software-as-a-service platform designed to help freelancers and business owners manage invoicing, expenses, client and vendor records, and related financial administration (the "Service").

These Terms of Use ("Terms") form a legally binding agreement between you and Živno. They govern your access to and use of the Service. By accessing the Service, creating an account, or otherwise using any part of Živno, you confirm that you have read, understood, and agree to be bound by these Terms.

1. Eligibility and Account

The Service is designed for Czech freelancers and Czech business owners operating in the Czech Republic. It is not intended for individual consumers, private persons acting outside a business or professional context, or persons using the Service for non-business personal purposes. You must be at least 18 years old and have legal capacity to enter into contracts. You are responsible for maintaining the confidentiality of your login credentials and all activity under your Account.

You may only use the Service for your own business or professional activity and must not create or operate an account using a business number, registration number, or other business identity that is not your own or that you are not lawfully entitled to use. Using another party's business identification, whether in whole or in part, is not reasonable use and may result in suspension or termination.

2. Plans and Pricing

We offer monthly and annual subscription plans. Prices are stated in CZK and are VAT inclusive where applicable. Subscriptions renew automatically unless cancelled before the renewal date.

3. Payment and Billing

Payments are processed by third-party payment processors such as Stripe. You authorize us to charge the payment method you provide. If payment fails, we may suspend access until payment is received.

4. Refunds

All fees are non-refundable. We do not provide refunds or credits for partial periods, unused time, downgrades, cancellation mid-term, or subscription changes, except where expressly required by mandatory applicable law.

5. Your Data

You retain all rights in your User Data. You grant us a limited right to host, store, and process User Data solely to provide the Service, maintain security, support the platform, comply with applicable law, and improve the product in a manner consistent with the intended use of the application. We do not sell personal data and we do not use personal data for unrelated commercial purposes.

This includes processing necessary for invoice creation and management, expense tracking, receipt capture and extraction, subscription and billing administration, product support, fraud prevention, security, technical operations, and service improvement. We may also process anonymised or aggregated data for internal analytics, product performance monitoring, and feature development, provided that such data cannot reasonably be used to identify you as an individual.

We do not share personal data with unrelated third parties for advertising or resale. We may share personal data with vetted service providers only where necessary to operate the Service, such as payment processing, receipt extraction, hosting, security, infrastructure, or support functions.

6. No Professional Advice

The Service (including templates, dashboards, and estimates) is provided for informational and administrative purposes only and does not constitute tax, accounting, legal, or financial advice. You are solely responsible for verifying outputs and meeting all legal obligations.

7. Reasonable Use and Security Risk

Reasonable use means using the Service as intended for the operation of a business or freelance activity, including creating and sending invoices, tracking expenses, managing client and vendor records, recording payment activity, maintaining business documents, and monitoring financial operations relevant to your business.

Reasonable use does not include abusive, deceptive, or exploitative activity. Examples include but are not limited to: creating fake or fraudulent invoices, abusing subscription or billing flows, reselling access, bulk scraping or exporting data without authorisation, automating fraudulent payment activity, attempting to evade platform controls, using the Service to conduct unrelated commercial data processing at scale, or otherwise using the Service in a way that is materially inconsistent with its intended business purpose.

Security risk means any activity or condition that materially threatens the confidentiality, integrity, or availability of the Service, including unauthorized access attempts, malware, credential abuse, exploitation of vulnerabilities, insecure data handling, unusual traffic patterns designed to disrupt service, or any use that places customer or platform data at material risk.

We implement reasonable technical and organisational safeguards to protect data, including encryption in transit and at rest where appropriate, restricted access controls, secure infrastructure, minimised external exposure of systems, and protections against unauthorised access and abuse. We take commercially reasonable steps to maintain the confidentiality and integrity of user data.

8. Acceptable Use

You agree not to:

• Use the Service in a way that violates law, infringes rights, or exceeds reasonable business use of the platform
• Reverse engineer, decompile, or disassemble the Service
• Probe, scan, or test vulnerabilities without permission
• Scrape, harvest, or bulk-export data beyond reasonable use
• Resell, redistribute, or share access without authorisation
• Introduce malware, abuse subscriptions, or attempt unauthorized access

9. Suspension and Termination

We may suspend or terminate your access if you materially breach these Terms, fail to use the Service in a reasonable manner, pose a security risk, or if payment is overdue. We may take action to block or restrict access where we reasonably believe the use of the Service is abusive, unsafe, or inconsistent with the intended business use of the platform.

Where reasonably practicable, we will provide notice of suspension or termination and allow a reasonable opportunity to remedy a breach or security issue, except where immediate action is required to prevent harm, legal exposure, or ongoing abuse.

You may cancel your subscription at any time, but cancellation does not entitle you to a refund for the current billing period or any prior charges.

10. Disclaimers and Limitation of Liability

The Service is provided "as is" and "as available." To the maximum extent permitted by law, we disclaim all warranties and are not liable for indirect, incidental, special, or consequential damages. Our aggregate liability is limited to the fees you paid in the preceding 12 months.

11. Governing Law

These Terms are governed by the laws of the Czech Republic. Courts of competent jurisdiction in the Czech Republic will have exclusive jurisdiction, except where mandatory law requires otherwise.

Contact Us

Don't hesitate to contact us if you have any questions.

Via Email: support@zivno.cz