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Terms of Service

Effective Date: 15.09.2025  |  Version: 1.0

1. Introductory Provisions

  • 1.1 By using our services within the Frenk.ai platform, you agree to these Terms and confirm that you have read and understood them.
  • 1.2 The Terms take precedence over any conflicting information contained in other materials (e.g., promotional materials, emails, websites, or the Frenk.ai platform).

2. Definitions

  • Personal Data: Information about an identified or identifiable natural person, such as name, identification number, location data, network identifier, or one or more specific elements of the physical, physiological, genetic, mental, economic, cultural, or social identity of that natural person.
  • Platform: The web platform through which Frenk.ai offers and provides its Services.
  • Services: The services that Frenk.ai provides to Users through the Platform and Websites.
  • Agreement: The contract between Frenk.ai and the User for the provision of Services.
  • Consumer: A User who is a natural person acting outside the scope of their business activities or outside the scope of their independent profession.
  • Account: The User's account created on the Platform.
  • User: A natural or legal person using the Services of the Platform and a visitor of the Websites.
  • Websites: The websites through which Frenk.ai provides access to the Platform (www.frenk.ai).

3. Description of Services

  • 3.1 The Services include the management of your documents, contracts, insurances, investments, and financial data on the Platform. The Platform allows, and will in the future allow, the secure storage of important documents and planning of financial goals.
  • 3.2 The Services include the analysis and sorting of your documents and data through artificial intelligence (AI) primarily for the purpose of:
    • Automatic organization and categorization of documents,
    • Identification of important information in documents,
    • Suggesting recommendations based on data content (e.g., alerts for upcoming deadlines),
    • Facilitating search and access to stored files,
    • Providing personalized data management features based on User needs, including mapping of income/expenses, creation of financial plans, comparison of products (insurances, investments, mortgages), and monitoring of changes.
  • 3.3 Some Services are provided free of charge (“Free Services”), while others are charged as part of a paid subscription (“Premium Services”). A detailed description of the features and prices of individual services is available on the Websites in the section [link to pricing section].
  • 3.4 The Services are intended for use on smartphones, tablets, and computers through commonly available web browsers. The quality and availability of the Services may be affected by the speed of your internet connection and the technical parameters of your device.
  • 3.5 Frenk.ai provides updates necessary to maintain the functionality and security of the Services during their duration. If you refuse or fail to perform the necessary update, you acknowledge that this may lead to limitations or non-functionality of the Services, for which Frenk.ai is not responsible.

4. Use of the Platform

  • 4.1 To use the Services, registration and creation of an Account are required. By registering, you confirm that you provide truthful and current information, do not violate legal regulations or these Terms, and use the Services exclusively in accordance with their purpose.
  • 4.2 You are responsible for the confidentiality of your access to your email, which serves as the access gate to the Services and undertake to immediately notify Frenk.ai of any unauthorized use of the Account or security breach by sending an email to [email protected].
  • 4.3 If you upload content to the Platform containing data that falls into Special Categories of Personal Data within the meaning of Article 9 of Regulation (EU) 2016/679 (GDPR) (e.g., health data, biometric data, data on racial or ethnic origin, political opinions, or religious beliefs), you acknowledge and expressly agree that Frenk.ai may process this data in accordance with the Privacy Policy available here: [Link to Privacy Notice]. If you do not wish Frenk.ai to process this data, you can delete it from your Account at any time.
  • 4.4 Frenk.ai reserves the right to modify, change, remove, or add new features to the Services or Platform for improvement, security, or technical updates. You will be informed of significant changes in advance, if possible. The Platform or its parts may be temporarily unavailable due to maintenance, updates, or other technical reasons.
  • 4.5 If you violate any of the obligations arising from these Terms, Frenk.ai has the right to suspend or delete your Account, depending on the severity of the violation.

5. Payments

  • 5.1 If you are currently using Free Services and a change occurs that will incur a charge, you will be informed in advance. You can then decide whether to continue using the Services, and if so, you will pay the corresponding fees. An overview of current prices for Premium Services is provided on the Websites.
  • 5.2 Payments for Premium Services are made exclusively through the Platform via available payment gateways (e.g., credit card). By using these payment methods, you agree that they are subject to the terms of the payment service providers, and Frenk.ai is not responsible for their correct processing.
  • 5.3 All payments are prepaid and non-refundable unless otherwise specified in these Terms. Frenk.ai reserves the right to change the prices of Premium Services, and the User will be notified of this change in advance at the email address associated with their Account.
  • 5.4 If you have purchased a subscription with recurring payments, your registered payment method will be automatically recharged at the end of each billing period. If you do not wish to continue the subscription, you must cancel it no later than before the end of the current billing period.
  • 5.5 To ensure uninterrupted access to Premium Services, it is necessary to keep payment information up to date. If the payment is not successfully processed or delayed, your access to Premium Services may be temporarily suspended or terminated.
  • 5.6 If you do not want the subscription to be automatically charged, you must cancel it in the Account settings [link to settings] before the end of the billing period or cancel the Account. The subscription cannot be terminated before the end of the paid period unless otherwise specified in these Terms. Refunds of already paid fees are not possible unless Frenk.ai specifies otherwise.

6. Security and Data Protection

  • 6.1 The protection and processing of your Personal Data are governed by the Privacy Policy available here: [Link to Privacy Policy].

7. Warranty and Liability for Damage

  • 7.1 Frenk.ai shall be liable to the Consumer that the Premium Services:
    • meet legal requirements and comply with these Terms,
    • have the characteristics described on the Websites or in the Platform,
    • are intended for the purposes for which they were designed by Frenk.ai,
    • will be regularly updated if required by legal regulations or technical maintenance.
  • 7.2 Free Services are provided "as is", without any warranty of their availability, functionality, or future preservation. Frenk.ai reserves the right to limit, change, or terminate the provision of Free Services at any time, without the User's right to compensation.
  • 7.3 To the maximum extent permitted by applicable law, Frenk.ai does not guarantee and is not responsible for:
    • The Services being always available without interruption or error,
    • The Platform functioning on all User devices or systems,
    • The outputs or results of the Services meeting your expectations.
  • 7.4 Frenk.ai is not liable for:
    • Damages caused by improper use of the Services or their use for purposes other than intended
    • Incompatibility of your device or internet connection outages
    • Errors caused by third-party interventions in the Services;
    • Services provided by entities other than Frenk.ai and their consequences;
    • Content uploaded by the User to the Platform;
    • Any indirect or consequential damages, including lost profits, data loss, or loss of business opportunities;
    • Unauthorized access to the Account.
  • 7.5 The provisions of 7.4 do not apply to cases where the damage was caused by intentional conduct or gross negligence on the part of Frenk.ai.
  • 7.6 Frenk.ai is not a legal, tax, or financial advisor, and no part of the Services provided constitutes legal, tax, financial, or other professional advice. The information contained in the Platform or provided through the Services is for informational purposes only and does not replace professional consultation with qualified specialists.

8. Rights from Defective Performance

  • 8.1 If the purchased Premium Service has a defect that prevents its proper use and was not caused by improper use or technical limitations on the part of the User, the Consumer has the right to:
    • Repair or re-provision of the Services, if possible and reasonable,
    • A reasonable discount on the price of the Services if the defect cannot be removed or the repair would cause the Consumer unreasonable difficulties,
    • Withdrawal from the Agreement if the defect is substantial or if it has not been removed within a reasonable time.
  • 8.2 Rights from defective performance can be asserted by sending an email to [email protected] in which the User specifies which specific Services or parts thereof are being claimed, a description of the defect, and the preferred method of handling the complaint. Frenk.ai will handle the complaint without undue delay, no later than 30 days from its application, unless otherwise agreed with the Consumer. The Consumer will be informed of the complaint's outcome at the email address from which the complaint was made.
  • 8.3 Frenk.ai shall not be liable for any defects, availability or functionality of the Free Services.

9. Duration and Termination of Services

  • 9.1 Free Services can be used indefinitely unless Frenk.ai specifies otherwise. Premium Services are provided for a fixed term according to the chosen subscription (e.g., monthly, yearly). If the subscription is not canceled in time, it automatically renews for another period of the same length.
  • 9.2 Purchased Premium Services are provided immediately upon ordering. The User expressly agrees that Premium Services will be made available immediately and acknowledges that this waives the right to withdraw from the Agreement under § 1837 letter l) of the Czech Civil Code.
  • 9.3 The User may cancel and terminate the Agreement under which they use Premium Services at any time, in accordance with the terms of the relevant subscription. The termination takes effect at the end of the current billing period unless otherwise specified in the relevant subscription or these Terms.
  • 9.4 After the subscription ends, the User retains access to Free Services unless they request the complete removal of the Account. Premium features will be deactivated after the last paid period expires, and the prepaid period is non-refundable unless explicitly stated otherwise.
  • 9.5 The User can terminate the Account and the Services through the Account settings in the Platform or by contacting customer support at [email protected].

10. Dispute Resolution and Consumer Protection

  • 10.1 The Consumer has the right to contact Frenk.ai with a request for redress if they are not satisfied with the way Frenk.ai handled any of their complaints or if they believe that Frenk.ai violated their rights, by sending an email to [email protected].
  • 10.2 The Consumer has the right to submit a proposal for alternative dispute resolution under Act No. 634/1992 Coll., on Consumer Protection:
    • The competent authority for alternative dispute resolution is the Czech Trade Inspection Authority (www.coi.cz).
    • The proposal can also be submitted to other entities listed in the Ministry of Industry and Trade's register (www.mpo.cz).
  • 10.3 The User has the right to use the European platform for online dispute resolution (ODR), available at https://webgate.ec.europa.eu/odr/main/index.cfm?event=main.home.chooseLanguage.
  • 10.4 The User is obliged to fully cooperate in resolving complaints or disputes. Failure to provide cooperation may result in the invalidity of the complaint claim.

11. Use of Artificial Intelligence (AI)

  • 11.1 Users acknowledge that the Services use artificial intelligence (AI) to enhance the user experience and efficiency.
  • 11.2 AI is used as a supportive tool, not as a final decision-making mechanism in legally binding situations.
  • 11.3 The User acknowledges that outputs generated by AI may contain inaccuracies or incomplete information, and it is the User's responsibility to verify the accuracy and suitability of these outputs for a specific purpose. Frenk.ai is not liable for any harm or damage caused by reliance on AI outputs, or decisions made based on AI outputs, unless otherwise required by law. The User acknowledges that decisions based solely on AI outputs are made at their own risk.
  • 11.4 If AI affects your use of the Services (e.g., by marking a file as harmful or recommending certain content), you have the right to:
    • Request an explanation of how AI made the decision,
    • Request a review by a human worker if you disagree with the AI decision.
  • 11.5 Frenk.ai's use of AI is in compliance with the EU Artificial Intelligence Regulation 2024/1689 of June 13, 2024 (AI Act).

12. Intellectual Property Rights and Content on the Platform

  • 12.1 Unless otherwise stated, the Platform, the Website and all of its content (e.g. user interface, graphics, photographs, videos, text, icons) are protected by copyright and the rights to them are exercised by Frenk.ai or Frenk.ai has the relevant license rights to them.
  • 12.2 Users are not authorized to reproduce, modify, decompile, distribute, display, or otherwise use the content of the Platform without the express consent of Frenk.ai, except for use to the extent necessary for using the Services.
  • 12.3 Frenk.ai does not grant consent to use its trade name, trademarks, or other designations unless otherwise specified.
  • 12.4 Any content you upload to the Platform (e.g., personal documents, contracts, certificates, messages, photos) remains your property. You grant Frenk.ai a non-exclusive, free, worldwide, and transferable license to use, modify, reproduce, and translate your content solely for the purpose of providing the Service. Frenk.ai is authorized to grant a sublicense to third parties for the purpose of providing the Service.
  • 12.5 You undertake not to upload content to the Platform for which you do not have the appropriate authorization, which violates these Terms or the rights of third parties, or which is contrary to applicable legal regulations.
  • 12.6 You are responsible for all content you upload, including content containing Personal Data of third parties. You are obliged to ensure that you have all necessary authorizations and consents to use and process Personal Data in accordance with legal regulations. Frenk.ai bears no responsibility for obtaining third-party consent for processing their Personal Data or for the accuracy, completeness, or compliance of the uploaded content with legal regulations.
  • 12.7 Frenk.ai does not actively monitor the content uploaded by Users. If you believe that content on the Platform violates your rights (e.g., copyright, trademarks), you can report it to Frenk.ai via email [email protected] with the following information:
    • Identification and contact details,
    • Description of the affected right,
    • Link to the content allegedly infringing the right.
    If Frenk.ai receives a legitimate notice of rights violation, it may temporarily disable or remove the content until the situation is clarified.
  • 12.8 Frenk.ai reserves the right to remove any content that:
    • Violates these Terms;
    • Contradicts legal regulations;
    • Is contrary to the ethical standards of the Platform.

13. Final Provisions

  • 13.1 These Terms and any disputes or claims arising from their use or in connection with them (including non-contractual disputes and claims) are governed by the law of the Czech Republic.
  • 13.2 All disputes arising from these Terms or in connection with them, including disputes about their validity, interpretation, or termination, will be resolved exclusively by the competent courts of the Czech Republic.
  • 13.3 If any provision of these Terms is found to be invalid, illegal, or unenforceable, the validity or enforceability of the other provisions will not be affected. Such a provision will be replaced by one that most closely matches the original purpose.
  • 13.4 Neither party breaches these Terms nor is liable for damage if non-performance is caused by an event or circumstance (or a combination of events or circumstances) that the party could not reasonably foresee and is beyond its reasonable control ("force majeure event"); The following events are always considered force majeure events in relation to Frenk.ai: (i) power outage; (ii) natural disaster; (iii) failure or delay of telecommunications networks, internet, hosting, hardware, software; (iv) damage to Frenk.ai's systems and infrastructure, including viruses and cyber-attacks.
  • 13.5 Frenk.ai reserves the right to update or change these Terms at any time. The latest version will always be available on the Websites and in the Platform. The User will be informed of significant changes to the Terms before they take effect. If they do not agree with the new Terms, they may stop using Free Services or terminate the Agreement under which they use Premium Services with effect at the end of the current billing period. Continuing to use the Services is considered acceptance of the new Terms.
  • 13.6 If you have any questions, you can contact Frenk.ai at [email protected] or at Radimovice 38, 25169 Petříkov.