App Terms of Use

TI Capital s.r.o., registered office: Talichova 2110/2, 841 02 Bratislava – mestská časť Dúbravka. Company ID (IČO): 55941362, Tax ID (DIČ): 2122141516, VAT ID (IČ DPH): SK2122141516, registered in the Commercial Register of the District Court Bratislava III, Section Sro, Insert No. 175070/B. Tel.: +421 940 984 000, Email: info@ti-capital.sk. Supervisory authority: Slovak Trade Inspection (Slovenská obchodná inšpekcia), SOI Inspectorate for the Bratislava Region, Bajkalská 21/A, P. O. BOX č. 5, 820 07 Bratislava.

1. Introductory provisions

1.1

These terms (the "Terms") govern the use of the TI Capital mobile application (the "app") operated by TI Capital s.r.o. (the "provider"). The app is available on the App Store and, where applicable, on Google Play, and communicates with the provider's servers at ti-capital.sk and api.ti-capital.sk.

1.2

The app can be used in three ways: a) without signing in — calculators, document templates, Poradňa guide articles and sending a service request; b) with a free account — additionally a personal space for documents, a document scanner and your own company card; c) as a client of the provider — the company's client portal (the "client portal" of the Policy; documents, tasks, payments, chat) to the extent of the accounting services contract.

1.3

A client of the provider is governed primarily by the General Terms and Conditions or the Consumer Terms and by the Privacy Policy (the "Policy") accepted on entering the client portal; these Terms govern only what relates to the use of the app and is not covered by those documents. A user without an account and a user with a free account are governed by these Terms and by point 1.20 of the Policy (Mobile application).

1.4

If the user is a natural person not acting within their business or profession (a "consumer"), any provision of these Terms that departs from the law to the consumer's detriment does not apply; the consumer additionally has the rights under points 8.3 and 12.2.

1.5

The licence to the program itself (installing and running the app on a device) is governed by the standard licence agreement for App Store apps (Apple Licensed Application End User License Agreement) or by the Google Play terms. These Terms govern the service the provider delivers through the app.

2. Who may use the app

2.1

An account may be created only by a person who has reached 16 years of age; by creating the account the person confirms this. If the provider finds that an account was created by a younger person, it will delete the account.

2.2

One person has one account. The account is tied to the user's email address and is non-transferable. A user may at the same time be a member of the client portal of one or more companies that are clients of the provider.

2.3

The app may be used by businesses and consumers alike. A business user is responsible for ensuring that the documents stored in the personal space may be kept with a third party and that the user holds the necessary rights to them.

3. Use without an account

3.1

Calculators, document templates and guide articles are for information only. They are not tax, legal or accounting advice and do not replace an expert's assessment of a specific situation. They are based on the legislation in force at the time the tool was last updated; the provider updates them but does not guarantee that at every moment they reflect the latest change in legislation.

3.2

Calculator computations run on the provider's server and the entered values are not stored there. Saved computations ("My calculations") and data filled into templates remain only on the user's device and in the device backup if the user has one enabled (for example iCloud); the provider has no access to them.

3.3

A service request sent from the app is non-binding and is not an order. On its basis the provider sends an offer; a service contract arises only on acceptance of that offer under the General Terms and Conditions or the Consumer Terms. Nothing is purchased in the app and no payment to the provider is made through it.

4. Account and personal space

4.1

When an account is created, a contract on the free use of the app under these Terms arises between the user and the provider. The service is free of charge. The provider processes the user's personal data to deliver the service, secure the account, meet legal obligations, handle the user's messages and keep the account secure (point 1.20 of the Policy); personal data is not processed for other purposes, and use of the app is recorded only as an anonymous count of events per day with no link to the account. The user does not provide personal data as consideration for the service. Marketing communications are sent only with separate consent (point 10.2).

4.2

An account is created in the app by entering an email address and confirming it with a one-time code from the email. Before sending, the user can check and correct the entered address; the app confirms the creation of the account on screen without delay. The contract is concluded in Slovak; the Russian and English versions of the Terms are informational. The text of the Terms and the Policy is available in the app and on the provider's website, where the user can re-read and save them at any time; the provider keeps every version of the Terms with its effective date and the time the account was created, from which the version accepted by the user follows. An unconfirmed registration is deleted by the provider after 24 hours.

4.3

The personal space has these limits: 1 GB of data, 5,000 files, a single file up to 50 MB, formats PDF, JPEG, PNG, HEIC and HEIF. The provider may change the limits following point 13; lowering a limit does not affect files already stored. The number of free accounts is limited by server capacity; if the capacity is exhausted, the provider may temporarily suspend the creation of new accounts.

4.4

The personal space is the user's private storage. The user accesses its contents from their account; the provider's authorised staff access it only on the user's instruction, when resolving a technical problem with the user's knowledge, or where required by law (the "access rule"). The provider's accountants who keep the books for clients do not see the contents of personal spaces, and automated document recognition is not applied to them. The personal space is not an archive of accounting records under Act No. 431/2002 Coll. or any other regulation, it is not a backup and it is not an accounting service; the duty to keep documents in the form and for the period prescribed by law remains with the user. The user keeps their own copy of the documents that matter to them.

4.5

If the user becomes a client of the provider, the provider transfers the personal space into the client portal of the user's company at the user's request and notifies the user of the completed transfer by email. Documents stored in the personal space thereby become the company's documents: the provider's authorised staff will see them and they may be processed by automated recognition under point 1.14 of the Policy. The transfer cannot be reversed.

4.6

When a cash register receipt is verified by its QR code, the user's device contacts the e-kasa system of the Financial Administration of the Slovak Republic directly. For a free account the provider neither passes receipt data to the Financial Administration nor verifies it itself; for a client of the provider the receipt is also verified by the provider's server to the extent of the service contract.

5. User obligations and prohibited content

5.1

The user protects access to their email mailbox and the device on which they are signed in, and promptly informs the provider of any suspected misuse of the account. The user is responsible for actions taken from their account if the misuse was made possible by a breach of the duty in the first sentence. A sign-in in the app is valid for 30 days and ends earlier if the user does not open the app for 14 days; the app offers protection by biometrics or the device passcode.

5.2

The user is responsible for the content they place in the app. Content must not be placed in or sent through the app if it: a) breaches the laws of the Slovak Republic or the European Union, in particular infringes copyright, trademarks or trade secrets of third parties; b) contains personal data of third parties that the user has no legal basis to process; c) depicts child sexual abuse or incites violence, hatred or terrorism; d) contains malicious code or is intended to circumvent the security of the app, the provider's servers or third parties; e) serves fraud, money laundering or another unlawful purpose.

5.3

It is further prohibited to use the app by automated means (scripts, bots) beyond ordinary use, to overload the servers, to attempt to access other users' data, to circumvent the personal-space limits by creating several accounts, and to impersonate another person or company.

6. Restrictions and account suspension

6.1

If the provider finds that the user's content or conduct breaches point 5 or the law, it may, depending on severity: a) disable access to an individual file; b) temporarily suspend the account; c) delete the account. The decision is made by an authorised person of the provider; automated decision-making is not used in assessing a user's content or conduct. The assessment is objective, impartial and mindful of the user's rights, in particular freedom of expression and protection of privacy.

6.2

The provider notifies the user of a restriction under point 6.1 by email no later than the day it is applied and states: which measure was taken, for how long, and whether it concerns an individual file or the whole account; the facts relied on and whether it acted on a third party's notice; whether automated means were used in detection; whether the restriction follows from the law (naming the regulation) or from these Terms (naming the point); and how the decision can be contested (Article 17 of Regulation (EU) 2022/2065).

6.3

The user may contest a restriction by email to info@ti-capital.sk within six months of the notification. The provider examines the objection and replies within 30 days; if the objection is justified, it lifts the restriction without delay. This is without prejudice to the user's right to turn to a court or to the Digital Services Coordinator, which in the Slovak Republic is the Council for Media Services (Rada pre mediálne služby).

6.4

Where content is manifestly illegal and endangers life, health or the safety of persons, or where a decision of a public authority so requires, the provider may act immediately; it notifies the user under point 6.2 unless the authority's decision forbids it. Illegal content can be reported through the form at ti-capital.sk/en/report-content (the mechanism under Article 16 of Regulation (EU) 2022/2065) or by email to info@ti-capital.sk; that address is also the single point of contact under Articles 11 and 12 of that Regulation. Communication is possible in Slovak, English and Russian.

7. Availability and changes to the service

7.1

The free service is provided to the extent described in these Terms and in the app. The provider does not guarantee uninterrupted availability; it announces planned maintenance in the app or on the website in advance where possible. The provider may add, change or discontinue individual features; a feature whose discontinuation could cause the user to lose stored data is announced at least 30 days in advance.

7.2

If a user with an account does not sign in or do anything in the app for 12 months, the provider sends reminders 60, 30 and 7 days before this period ends. If the user still does not respond, the provider blocks the account and, 30 days after blocking, deletes it together with the contents of the personal space. Any sign-in or opening of the link in the reminder interrupts the period; if a reminder cannot be delivered, the period is extended by 30 days. This provision does not apply to members of client portals of companies that are clients of the provider, nor to users with an open service request.

7.3

The provider may discontinue the free service. It notifies users in the app and by email at least 30 days in advance and lets them download the contents of their personal space during that period. This provision does not apply to company client portals.

8. Termination by the user

8.1

The user may delete the account at any time and without giving reasons directly in the app (More → Account → Delete account) or on the provider's website; the deletion is confirmed with a one-time code from the email (a client of the provider also with their password). Before deletion the user may download the contents of the personal space month by month or all at once.

8.2

If the user is not a member of any company's client portal, deleting the account ends the sign-in on all devices immediately, and the contents of the personal space, the account data and the device registrations for notifications are deleted without undue delay and irrecoverably; the provider does not restore them even at the user's request. They are removed from backup copies within 90 days at the latest (point 1.18 e) of the Policy). Only the record of granting and withdrawing consent to marketing communications (4 years from withdrawal, Section 116 of Act No. 452/2021 Coll.) and messages sent to the provider (point 1.18 c) of the Policy) are kept longer. If the user is a member of a company's client portal, the account is deleted following point 1.15 g) of the Policy (immediate deactivation, 30 days to withdraw the request) and the company's documents are unaffected.

8.3

A consumer may end the contract on the use of the app at any time and without giving reasons by deleting the account under point 8.1 or by notifying info@ti-capital.sk; since the service is free of charge, ending the contract has the same effect as deleting the account.

9. Liability

9.1

The provider is liable for damage under generally binding legislation (Section 420 of the Civil Code). If the user lost data as a result of the provider's breach of duty, the provider is liable for the damage; the fact that the user kept no copy of their own (point 4.4) is taken into account under Section 441 of the Civil Code. The provider is not liable for unavailability of the app during announced maintenance under point 7.1, nor for damage it did not cause through its fault (Section 420(3) of the Civil Code).

9.2

The provider is not liable for the correctness of data the user entered into the tools, or for third-party content and services the app links to (for example a banking app for client payments or the Financial Administration's system). If the user made a decision on the basis of a calculator, template or article (point 3.1) without verification by a professional, this may affect the extent of compensation: where damage was caused also through the fault of the injured party, that party bears it proportionately (Section 441 of the Civil Code).

10. Notifications and communication

10.1

The app shows notifications about events in the account and — for clients — about new documents, tasks and messages. Push notifications on the device are enabled by the user in the system settings and can be switched off at any time; the app works without them. A push notification carries only the type of event and a technical record identifier — not amounts, names or message text (point 1.20 of the Policy).

10.2

Marketing communications (news, service offers) are sent by email or push notification only to a user who has enabled them in the app; consent may be given by a person who has reached 16 years of age (Section 15 of Act No. 18/2018 Coll.). Consent is off by default and can be withdrawn at any time with the same switch in the app or via the link in every email; the provider confirms the withdrawal within 30 days (Section 116 of Act No. 452/2021 Coll.). Service messages about the account (sign-in code, inactivity reminder, change of the Terms, notice of a restriction) are not marketing communications and are sent without consent.

11. Personal data protection

11.1

The processing of personal data in connection with the app is governed by point 1.20 of the Policy, which is the information under Article 13 of Regulation (EU) 2016/679 (the "Regulation"). In relation to account data, security, usage statistics, marketing communications and the contents of the personal space of a natural person who stores documents for their own needs, the provider is the controller.

11.2

If the user, as a business, stores in the personal space documents containing personal data of third parties (employees, customers, suppliers), the user is the controller of that data and the provider is the processor under Article 28 of the Regulation. This point is the contract under Article 28(3) of the Regulation: a) the subject matter is the storage of files on the user's instruction for the duration of the account; the types of data are the data contained in the documents (identification, contact, financial and payroll data) and the data subjects are the user's employees, customers and suppliers; b) the provider processes the data only on the user's documented instructions given in the app (store, view, download, delete) and under the access rule in point 4.4; otherwise only where required by European Union or Slovak law, in which case it informs the user unless the law prohibits it; if the provider considers that an instruction infringes the Regulation, it promptly informs the user; c) persons with access to the infrastructure are bound by confidentiality; d) the provider has implemented technical and organisational measures under Article 32 of the Regulation (encrypted transfer, separation of spaces, access only from the user's account, backups within the European Union); e) the user gives general authorisation to engage further processors; the contents of the personal space are currently stored only by Hetzner Online GmbH (point 1.17 of the Policy); the provider informs of an intended change by email 14 days in advance and the user may object or delete the account; the provider imposes the same obligations on further processors; f) the provider assists the user in fulfilling data subjects' rights by allowing files to be viewed, downloaded and deleted at any time, and in meeting the obligations under Articles 32 to 36 of the Regulation to the extent of the information available to it; it notifies the user of a personal data breach without undue delay after becoming aware of it; g) after the account is deleted it erases the data under point 8.2; h) on request the provider makes available to the user the information necessary to demonstrate compliance with these obligations and allows audits of reasonable scope at a time agreed in advance; i) personal-space data is stored in the European Union and is not transferred outside it.

12. Complaints and dispute resolution

12.1

Complaints, claims and requests for redress are accepted by the provider by email at info@ti-capital.sk or by letter to the registered office. It replies within 30 days.

12.2

A consumer who is dissatisfied with the handling of a request for redress, or who has received no reply within 30 days, may submit a proposal for alternative dispute resolution; the competent body is the Slovak Trade Inspection (www.soi.sk), and the list of bodies is kept by the Ministry of Economy of the Slovak Republic on its website. The right to go to court is unaffected.

12.3

A data subject may lodge a complaint about the processing of personal data with the Office for Personal Data Protection of the Slovak Republic (www.dataprotection.gov.sk). Objections to account restrictions and reports of illegal content are governed by points 6.3 and 6.4.

13. Changes to the Terms

13.1

The provider may change the Terms for the following reasons: a change in legislation or its binding interpretation; a decision of a public authority; a change in the scope, features or limits of the app; increased security or data protection; removal of an ambiguity in the text.

13.2

The provider notifies a user with an account of a change in the app and by email at least 30 days before it takes effect, stating what changes. If the user disagrees with the change, they may delete the account before it takes effect under point 8.1; continued use of the app after the change takes effect is deemed acceptance. A change that only extends the user's rights or corrects an obvious error may take effect on publication.

14. Final provisions

14.1

These Terms are governed by the law of the Slovak Republic. If the user is a consumer habitually resident in another Member State of the European Union, this does not affect the protection afforded by the mandatory rules of that State.

14.2

The Terms are drawn up in Slovak; the Russian and English versions are informational and in case of conflict the Slovak text prevails. The current version is available in the app and on the provider's website; earlier versions are provided by the provider on request.

14.3

These Terms take effect on 11 November 2026.