Effective date: 15^th December 2025

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:

• Account Data: name, email, login/authentication data, account settings
• Billing Data: billing contact details, invoice/receipt data, VAT details, payment status
• Customer Content: invoice content, client/vendor contact records, expense records, receipt images
• Usage Data: device information, IP address, app events, performance metrics, error logs

4. Why We Process Personal Data

We process personal data for:

• Providing and operating the Service (contract performance)
• Subscriptions and billing administration (contract and legal obligations)
• Customer support and communications (contract and legitimate interests)
• Security, fraud prevention, and abuse detection (legitimate interests)
• Product improvement and analytics (legitimate interests and consent where required)
• Legal compliance and enforcement (legal obligation and legitimate interests)

5. Payment Processing

We use third-party payment processors such as Stripe to process subscription payments. Payment processors process personal data under their own terms and privacy policies.

6. Cookies and Tracking

We use essential cookies for authentication, security, and core functionality. Where we use analytics or other non-essential trackers, we will request consent where required. See our Cookie Policy for details.

7. Data Retention

We retain personal data only as long as necessary for the purposes described in this Policy. Account data is retained while your account is active and for a reasonable period afterward. Billing records are retained as required by applicable accounting and tax laws.

8. Your Rights

Under GDPR, you may have the right to:

• Access your personal data
• Correct inaccurate personal data
• Request deletion in certain circumstances
• Restrict processing in certain circumstances
• Data portability where applicable
• Object to processing based on legitimate interests
• Withdraw consent where processing is based on consent

9. Security

We implement reasonable technical and organizational measures designed to protect personal data against unauthorized access, loss, misuse, alteration, or disclosure. However, no system is perfectly secure.

Contact Us

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

Via Email: support@zivno.cz

Effective date: 15^th December 2025

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.

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); 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: 15^th December 2025

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: 15^th December 2025

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: 15^th December 2025

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: 15^th December 2025

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 primarily for Czech freelancers and business owners. 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.

2. Plans and Pricing

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

3. Lifetime Plan

The Lifetime Plan grants access to the paid features for the lifetime of the Service (not the lifetime of the user). It is a non-transferable, non-sublicensable access right for one freelancer and one Account. "All future updates" means improvements and features we choose to make generally available; it does not guarantee any specific future feature.

4. 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.

5. Refunds

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

6. 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. You are responsible for ensuring you have the lawful basis to upload data and for the accuracy of data you rely on.

7. 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.

8. Acceptable Use

You agree not to:

• Use the Service in a way that violates law or infringes rights
• Reverse engineer, decompile, or disassemble the Service
• Probe, scan, or test vulnerabilities without permission
• Scrape, harvest, or bulk-extract data beyond reasonable use
• Introduce malware or attempt unauthorized access

9. Suspension and Termination

We may suspend or terminate your access if you breach these Terms, pose a security risk, or if payment is overdue. You may cancel your subscription at any time, but termination does not entitle you to refunds.

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