Terms of Service

Terms and Conditions of the Treziqo Service

Effective date: April 17, 2026

1. Introductory Provisions

1.1. These Terms and Conditions (hereinafter the “Terms”) govern the rights and obligations between the provider and the user in connection with the use of the Treziqo web application available on treziqo.com and any related subdomains (hereinafter the “Application” or the “Service”).

1.2. The Service is provided as SaaS (software as a service), i.e. as an online accessible digital service.

1.3. These Terms form an integral part of the agreement concluded between the Provider and the User upon account registration, purchase of a paid plan, or any other commencement of the use of the Service.

2. Contracting Parties

2.1. Provider: Jan Zítko Business ID No.: 76665496 Registered office: Skuteckého 1383/8, 163 00 Prague - Řepy, Czech Republic Sole trader / self-employed natural person Contact email: info@treziqo.com

(hereinafter the “Provider”)

2.2. User: Any natural or legal person who creates an account in the Application or otherwise uses the Application (hereinafter the “User”).

2.3. If the User is a consumer, the contractual relationship shall also be governed by the relevant provisions of the Czech Civil Code and the Czech Consumer Protection Act.

3. Definition of Basic Terms

3.1. Account means the user profile created in the Application.

3.2. Plan means the scope of Service features provided free of charge or for a fee.

3.3. Subscription means a recurring payment for the selected paid Plan.

3.4. User Data means any data that the User enters into or creates within the Application, in particular data on income, expenses, budgets, investments, accounts, transactions, categories, goals, notes, and other personal financial records.

3.5. Consumer means any individual who, outside the scope of their business activity or independent profession, concludes an agreement with the Provider or otherwise deals with the Provider.

4. Subject Matter and Nature of the Service

4.1. The Provider operates the Application as an online tool for personal finance management, recording financial information, and creating reports and overviews.

4.2. The Application enables in particular the recording and management of: a) income, b) expenses, c) budgets, d) investments, e) reports, statistics, and related analytical outputs.

4.3. The Application serves solely as a record-keeping, organizational, and analytical software tool. The Application: a) does not accept or hold Users’ funds, b) does not maintain payment accounts, c) does not provide payment services, investment services, or custody of assets, d) does not constitute accounting, tax, legal, or investment advice.

4.4. Any calculations, reports, alerts, charts, or other outputs are for informational purposes only. The User remains solely responsible for any decisions made based on data available in the Application.

5. Conclusion of the Agreement and User Account

5.1. The agreement between the Provider and the User is concluded: a) upon completion of the Account registration, or b) upon ordering a paid Plan, whichever occurs first.

5.2. The User is obliged to provide true, complete, and up-to-date information during registration.

5.3. The User is obliged to protect their login credentials against misuse. Any actions carried out through the User’s Account shall be deemed to have been carried out by the User unless the User proves unauthorized use not caused by the User.

5.4. The Provider is entitled to refuse registration, restrict an account, or cancel an account if: a) the User breaches these Terms, b) the User provides obviously false information, c) the User uses the Service unlawfully or in a manner that threatens the security or stability of the Service.

6. Plans and Pricing

6.1. The Provider offers the following paid plans in particular:

Basic CZK 49 / month EUR 2 / month USD 3 / month Pro CZK 99 / month EUR 4 / month USD 5 / month

6.2. The specific currency and price are determined by the User’s selection and the information displayed at checkout.

6.3. Prices are stated inclusive of VAT if the Provider is a VAT payer or if VAT applies under applicable law.

6.4. In addition to the above plans, the Provider may offer a free plan, promotional offers, trial periods, or other subscription variants.

6.5. The current price list is always available during the ordering process, in the Application, or on the Provider’s website.

7. Payment Terms

7.1. Paid plans are billed on a recurring subscription basis.

7.2. Payments are processed through PayPal Subscription or any other payment tool that the Provider may make available in the future.

7.3. The User acknowledges that payment transactions are technically processed by the payment service provider in accordance with its own contractual and security rules.

7.4. The Provider does not store payment details to the extent such details are processed directly by the payment service provider.

7.5. Failure or rejection of payment may result in restriction or termination of access to paid features.

8. Automatic Renewal and Cancellation of Subscription

8.1. The Subscription renews automatically for the next billing period unless the User cancels it before the end of the current period.

8.2. The User may cancel the Subscription at any time, in particular through their PayPal account or by any other method made available by the Provider at the relevant time.

8.3. After cancellation, the paid plan remains active until the end of the already paid billing period.

8.4. No monetary refund is provided for any unused part of the paid period unless required by law or otherwise provided in these Terms.

9. Duration and Termination of the Agreement

9.1. The agreement is concluded for an indefinite period unless otherwise stated for a specific offer.

9.2. The User may terminate the agreement at any time by: a) cancelling the Subscription, b) deleting the Account, c) notifying the Provider at info@treziqo.com .

9.3. The Provider may terminate the agreement or end it with immediate effect, in particular if the User: a) materially breaches these Terms, b) uses the Service unlawfully, c) jeopardizes the technical operation or security of the Service, d) is in default with payment for more than 14 days.

9.4. Termination of the agreement does not affect claims arising before the date of termination.

10. Consumer Right of Withdrawal

10.1. If the User is a consumer and the agreement was concluded дистанčně (remotely / at a distance), the User has the right to withdraw from the agreement within 14 days from the date of its conclusion without stating any reason.

10.2. The consumer may withdraw from the agreement by any clear statement sent to the Provider, in particular by email to info@treziqo.com .

10.3. If, when placing the order, the User expressly agrees to immediate access to the digital service before the expiry of the 14-day withdrawal period and is properly informed of the consequences, the right of withdrawal may expire under the conditions set by law.

10.4. If the Provider fails to properly inform the User about the right of withdrawal, the withdrawal period may be extended in accordance with applicable law.

10.5. After withdrawal from the agreement, the Consumer may request access to content that they uploaded to or created within the Application in a commonly used machine-readable format, unless prevented by statutory exceptions or technical infeasibility outside the Service itself.

11. Rights Arising from Defective Performance and Complaints

11.1. The Provider is liable for ensuring that the digital service is provided without defects to the extent required by applicable law.

11.2. In the case of a continuously provided digital service, the Provider is liable for defects for the entire duration of the contractual relationship. In the case of a one-time supplied digital service, the Provider is liable for defects existing at the time of making it available and manifesting within two years from that time.

11.3. The Provider is obliged to provide necessary updates to the digital service as required by law and by the nature of the service.

11.4. Complaints may be submitted by email to info@treziqo.com . In the complaint, the User shall state: a) their identification and contact details, b) a description of the defect, c) when the defect occurred, d) the requested method of resolution.

11.5. Complaints shall be handled within a reasonable time appropriate to the nature of the digital service and the defect. The Provider shall confirm receipt of the complaint and inform the User about its resolution.

11.6. If the Provider fails to remedy the defect within a reasonable time or it is clear that the defect will not be remedied, the Consumer may, under the statutory conditions, be entitled to a reasonable price reduction or withdrawal from the agreement.

12. Service Availability, Infrastructure, and Updates

12.1. The Provider shall use reasonable efforts to ensure that the Service is available, secure, and functional to the greatest possible extent.

12.2. The User acknowledges that the availability of the Service also depends on hosting providers, cloud infrastructure providers, network services, email services, analytics tools, domain services, PayPal, and other third-party technical suppliers.

12.3. The Provider does not guarantee uninterrupted or error-free availability of the Service.

12.4. The target availability of the Service is 98% per calendar month. The following are not included in the availability calculation: a) scheduled maintenance, b) security interventions, c) outages caused by third parties, d) force majeure, e) failures on the User’s device, software, or internet connection.

12.5. The Provider is entitled to continuously modify, develop, update, change the interface, features, and technical solution of the Application, provided that, without reasonable cause, this does not deprive the User of a substantial part of the already paid performance.

13. User Data and Privacy Protection

13.1. The User remains the owner or authorized user of their User Data.

13.2. The Provider uses User Data only to the extent necessary for: a) operation and provision of the Service, b) storage, security, backup, and recovery of data, c) resolution of technical issues, incidents, and user support, d) compliance with legal obligations, e) protection of the Provider’s rights and legitimate interests.

13.3. The Provider does not sell User Data or personal data to third parties and does not provide them to third parties for their own marketing, commercial, or profiling purposes.

13.4. The Provider may use only aggregated, summary, or anonymized statistical data on the use of the website and the Application for the purposes of measuring traffic, performance, stability, security, and further development of the Service. Such data cannot be used to identify a specific User.

13.5. If the operation of the Service requires the use of technical suppliers or external processors, the Provider shall do so only to the extent necessary and while maintaining adequate data protection.

13.6. The Provider will not use the content of User Data for advertising sales of data or disclose it to other persons beyond the scope necessary for the operation of the Service, legal obligations, or protection of the Provider’s rights.

13.7. Details regarding the processing of personal data are governed by a separate Privacy Policy.

14. Backup, Data Export, and Deletion

14.1. The Provider may perform reasonable technical backups of data for the purpose of security and continuity of operation.

14.2. After termination of the agreement or deletion of the Account, the Provider shall allow the User access to export their data for at least 30 days, unless prevented by legal, security, or technical reasons.

14.3. After the expiry of this period, the Provider is entitled to delete or anonymize User Data unless further retention is required by law or by the Provider’s legitimate interest.

14.4. The User acknowledges that a limited copy of data may remain in backup systems for the necessary period of time.

15. License and Permitted Use

15.1. For the duration of the agreement, the Provider grants the User a non-exclusive, non-transferable, non-sublicensable right to use the Application to the extent corresponding to the selected Plan and the purpose of the Service.

15.2. The User is not entitled to: a) copy, sell, rent, or otherwise distribute the Application, b) circumvent technical limitations or security features, c) interfere with the source code, perform reverse engineering, decompilation, or other attempts to obtain non-public technical solutions, unless expressly permitted by mandatory law, d) use the Service in a manner that could damage the Provider, other users, or third parties.

15.3. All rights to the Application, its technical solution, design, databases, graphics, texts, logo, and know-how belong to the Provider or its licensors.

16. Prohibited Use of the Service

16.1. The User may not use the Service in a manner that: a) violates legal regulations, b) infringes the rights of third parties, c) distributes malicious code, spam, or automated attacks, d) places an unreasonable load on the Provider’s infrastructure, e) serves to circumvent security, operational, or access rules.

16.2. If there is suspicion of a breach of this Article, the Provider is entitled to temporarily restrict or suspend access to the Service.

17. Limitation of Liability

17.1. The Provider shall be liable for damages only to the extent provided by applicable law and these Terms.

17.2. The Provider shall not be liable in particular for: a) the accuracy, completeness, and timeliness of data entered by the User, b) decisions made by the User based on data, statistics, reports, or calculations displayed in the Application, c) damage caused by improper use of the Service or insufficient security of the User’s device, d) outages caused by infrastructure providers or other third parties.

17.3. In relations with business users, liability for indirect damage, lost profit, loss of business opportunity, loss of data resulting from the User’s own actions, and consequential damage is excluded to the maximum extent permitted by law.

17.4. If the User is a business user, the total foreseeable liability of the Provider for damage arising in connection with one or more related breaches of the agreement shall not exceed the sum of payments actually paid by that User during the 12 months preceding the occurrence of the damage.

17.5. Given the low price and nature of the Service, the Provider may, in the event of shorter-term, partial, or technical limitations of the Service, offer in particular: a) a reasonable extension of the Subscription, b) a discount for the next period, c) credit or another similar non-monetary or price-based compensation.

17.6. This Article shall not apply to the extent that exclusion or limitation of liability would conflict with mandatory legal provisions, in particular consumer rights arising from defects in digital services.

18. Communication and Delivery

18.1. The contracting parties shall communicate primarily electronically.

18.2. The User agrees that information related to the Service, the agreement, changes to the Terms, billing, security notices, complaints, and operational notices may be delivered to the email address specified in the Account.

18.3. The User is obliged to keep their contact email address up to date.

19. Changes to the Terms

19.1. The Provider is entitled to amend these Terms to a reasonable extent, in particular due to changes in legislation, technical conditions, Service functionality, or the business model.

19.2. The User shall be informed of any material change to the Terms at least 30 days before it becomes effective, by email, notification in the Application, or another appropriate means.

19.3. If the User does not agree with the change, they may terminate the agreement no later than the effective date of the change. Continued use of the Service after that date shall be deemed acceptance of the amended Terms unless prohibited by mandatory law.

20. Governing Law and Out-of-Court Dispute Resolution

20.1. These Terms and the contractual relationship between the Provider and the User shall be governed by the laws of the Czech Republic.

20.2. If the User is a consumer, they are entitled, in the event of a dispute, to contact the competent out-of-court consumer dispute resolution body, which is, unless another authority has jurisdiction in the given matter, the Czech Trade Inspection Authority.

20.3. Information about out-of-court consumer dispute resolution is available on the website of the Czech Trade Inspection Authority.

20.4. The European Online Dispute Resolution platform (ODR) was discontinued as of July 20, 2025, and is therefore not referenced in these Terms.

20.5. This does not affect the User’s right to bring a claim before a competent court.

21. Final Provisions

21.1. If any provision of these Terms is or becomes invalid or ineffective, this shall not affect the validity and effectiveness of the remaining provisions.

21.2. These Terms form an integral part of the agreement between the Provider and the User.

21.3. The contractual documentation may also include: a) the price list, b) the Privacy Policy, c) the Cookie Policy, d) any special rules for promotional or trial offers.

21.4. These Terms become effective on April 17, 2026.