🏢 BizHub - Právne dokumenty | Legal Documents

1. TERMS OF SERVICE & EULA

Introduction

This application is intended exclusively for self-employed individuals, legal entities and persons acting within their business or professional activity. The Service is not intended for consumers.

The contractual relationship between the user and the provider arises in particular upon user registration, creation of a user account, selection of a pricing plan, creation of a company in the application or commencement of use of the Service.

By creating a user account, selecting a pricing plan, creating a company in the application or starting to use the Service, the user confirms that they had the opportunity to review these Terms, understand them and agree to them. If the user does not agree to these Terms, the user is not entitled to use the Service, create a company in the application or use or activate the selected plan.

By creating a company in the application, the user declares that they are authorized to act on behalf of such company or are authorized to create and manage the company in the Service. The user is responsible for the accuracy of the information provided when creating the company and for all actions performed within that company in the Service.

If the user is granted a trial period upon registration or selection of a pricing plan, such trial period represents a free introductory period for the selected plan. The duration of the trial period and its end date are displayed to the user in the application or communicated by another appropriate means.

By selecting a pricing plan, the user acknowledges that after the trial period ends, use of the Service will continue as a paid monthly subscription under the selected plan, unless the user cancels the subscription before the end of the trial period, in particular by deleting the company in the application or by sending a cancellation request to support@cywo.tech, or unless otherwise agreed with the provider.

The contractual relationship between the user and the provider lasts for the entire period of an active account, active company or active subscription, depending on which circumstance is relevant for the respective part of the Service.

The contractual relationship between the user and the provider is governed by the applicable provisions of Act No. 513/1991 Coll., the Commercial Code, as amended.

If the application is downloaded and used by a natural person who is not acting as an entrepreneur, by accepting these general terms such user expressly agrees to the application of Section 262(1) and (2) of Act No. 513/1991 Coll., the Commercial Code, as amended.

Version: 1.0
Effective Date: October 25, 2025

1.1 Service Provider

1.2 Definitions

• "Agreement" – legal relationship between Operator and User, which arises in the manner set out in these Terms, in particular by registration, selection of a pricing plan, creation of a company in the application or commencement of use of the Service.
• "Operator" – CyWo Tech, a. s., which provides the BizHub service.
• "BizHub" or "Service" - cloud based enterprise management system for managing finances, documents, clients, and employees
• "User" or "You" – a person using the Service
• "Account" - registered user account in the Service
• "Organization" - User's business entity registered in the Service
• "Personal Data" - data defined in GDPR (EU Regulation 2016/679)
• "Subscription" - paid access to the Service according to the chosen pricing plan
• "Data" - all information, documents and records entered by the User into the Service

1.3 Acceptance of Terms

The User expresses consent to these Terms in particular by registering, creating an account, logging into the Service, selecting a pricing plan, creating a company in the application, starting to use the Service or continuing to use the Service after having had the opportunity to review these Terms. By performing these actions, the User also confirms that if they do not agree to these Terms, they will not use the Service, create a company in the application or use the selected plan.

2. SERVICE DESCRIPTION

BizHub is a SaaS (Software as a Service) platform providing:

• ✅ Income and expense management
• ✅ Document processing (invoices, receipts, delivery notes, deposits, cash documents)
• ✅ Client and supplier management
• ✅ Employee and payroll management
• ✅ Financial overviews and reports
• ✅ Organizational hierarchy (Companies → Branches → Cash registers)
• ✅ User permissions and access control
• ✅ PDF document and attachment storage

2A. AUTOMATED PROCESSING, OCR AND AI OUTPUTS

Automated processing, OCR, categorization, data extraction, reports, alerts and AI recommendations are auxiliary and informational. They may contain errors, inaccuracies or incomplete data.

The User is obliged to verify the accuracy of Service outputs before using them for accounting, tax, legal, financial or business purposes. The Service does not provide legal, tax, accounting or financial advice and does not replace professional assessment by an accountant, tax advisor, auditor, lawyer or other qualified professional.

The Provider is not liable for damage caused by the use of unverified, incomplete or incorrectly interpreted Service outputs. The User is responsible for the final verification of data, its export to accounting systems and compliance with their legal obligations.

The Provider does not use User data to train public AI models. If the method of AI/OCR processing changes materially, the Provider will inform the User in an appropriate manner.

3. PRICING PLANS AND PAYMENTS

The stated support times represent target response times during business days, not guaranteed resolution times, unless otherwise agreed in writing.

Example: For 25 documents in the Basic plan, the client pays €15 excl. VAT for the package + €1 excl. VAT for 5 documents above the limit.

Clients with multiple companies or packages may be eligible for a discount according to the current price list: 10% discount on each package for 2–4 companies and 15% discount on each package for 5 or more companies. Discounts do not apply to document overage fees.

Prices are subject to change according to the current price list published on www.biz-hub.ai.

Payment Terms

• Payment Gateway: Stripe (third party)
• Billing: Monthly subscription + document overage
• VAT: Added to price according to current legislation
• Payment Methods: Credit/debit card
• Automatic Renewal: Subscription automatically renews each month

The BizHub subscription is linked to a specific company created by the user in the application. The provider is entitled to charge the price for the Service after the trial period ends if the user does not delete the company, cancel the subscription or agree otherwise with the provider before the trial period ends.

Document Counting

Counted documents:

• ✅ Received invoices
• ✅ Issued invoices
• ✅ Cash documents
• ✅ Delivery slips
• ✅ Deposit invoices
• ✅ Salary documents
• ✅ Uploaded attachments

Not counted:

• ❌ System reports
• ❌ Excel exports
• ❌ PDF exports of overviews
• ❌ Data backups

Overage and Counter Reset

• Document count resets on the 1st day of each month
• Deleted documents are not counted
• Overage is billed at end of month
• Payment is processed automatically via Stripe

Non-Payment and Service Suspension

3A. REGISTRATION AND ACCOUNT

Registration Requirements

To create an account you must:

• ✅ Be a self-employed individual over 18 years of age, a legal entity, or a person authorized to act on behalf of such entity
• ✅ Provide truthful, accurate and current information
• ✅ Have a valid email address
• ✅ Have the opportunity to review these Terms before using the Service
• ✅ Agree to Privacy Policy

Account Responsibility

The User is solely responsible for the account, its content, data and uploaded documents.

Company Cancellation

You may cancel any company within your account at any time. The BizHub subscription and Service billing are linked to the existence of a specific company in the application.

Deleting a company in the application also terminates the provision of the Service and the subscription linked to that company. By deleting the company, the possibility of further paid use of the Service for that company ends.

If the user deletes the company during the trial period, the trial period for that company ends and no paid subscription arises for the deleted company after the trial period.

If the user deletes the company during a paid period, the subscription for that company ends on the date of deletion, while already paid or invoiced subscription fees for the current period are not refunded due to the nature of the monthly subscription, unless the provider and the user agree otherwise. We therefore recommend cancelling a company at the end of a calendar month.

Company deletion is irreversible. Deleting a company permanently removes the company registration in the Service, its settings, users assigned to the company, documents, data, attachments and other content linked to that company. Before deleting a company, the user is responsible for exporting all data, records and documents that the user needs to retain.

Account Cancellation

You may cancel your account at any time by sending a request to: support@cywo.tech.

After receipt of the account cancellation request, the account will be cancelled no later than on the last day of the calendar month in which the request was sent. If the request is sent during the last three days of a calendar month, the account will be cancelled no later than on the last day of the following calendar month.

3B. SERVICE USAGE

Permitted Use

You may use BizHub for:

• ✅ Managing your company finances
• ✅ Processing business documents
• ✅ Generating reports and overviews
• ✅ Managing clients and employees
• ✅ Exporting data for accounting purposes

Prohibited Use

Consequences of Violation

Violation of these terms may result in:

• ⚠️ Immediate account blocking
• ⚠️ Data deletion
• ⚠️ Legal action
• ⚠️ Ban on future registration

3C. INTELLECTUAL PROPERTY

Service Ownership: All rights to BizHub (code, design, logo, trademark) are property of CyWo Tech, a. s.

User License: We grant you a non-exclusive, non-transferable, revocable license to use BizHub in accordance with these terms.

Data Ownership: Your data remains your property. We make no claim to your business information, documents or records.

We have the right to:

• Process your data to provide the Service
• Create anonymized statistics (without user identification)
• Backup data for technical purposes

4. LIMITATION OF LIABILITY

5. DATA PROTECTION (GDPR)

Details about personal data protection can be found in Privacy Policy.

5A. DATA SECURITY

Security Measures

• 🔒 Appropriate technical and organizational measures: The Provider protects the Service and User data with measures appropriate to the nature of the processed data and related risks.
• 🔒 Encryption in transit: Communication with the Service is protected using SSL/TLS.
• 🔒 Authentication: Access to the Service is protected by a user account and password, and potentially by additional mechanisms available in the application.
• 🔒 Data separation: The Service uses technical mechanisms to separate data of individual organizations and users.
• 🔒 Backups: The Provider performs technical backups to the extent necessary for operation and restoration of the Service.
• 🔒 Own AI/OCR processing: Automated document processing is carried out through the Provider’s own software/hardware or own/customized models, not through public AI services such as OpenAI or Claude AI.

Your Responsibilities

Security Incident

In the event of a security incident or personal data breach, the Provider will proceed in accordance with applicable laws, in particular GDPR. Where the Provider acts as a processor, it will notify the relevant client as controller without undue delay after becoming aware of the incident. Where the Provider acts as a controller, it will assess the risk of the incident and fulfil any notification obligations towards the supervisory authority and data subjects under GDPR.

5B. DATA RETENTION AND DELETION

General Rule

Data assigned to a specific company is retained while the company exists in the Service. The User is responsible for exporting and archiving accounting, tax and other legally required documents. The Provider is not responsible for the statutory archiving of the User’s accounting records.

Unified Data Retention Table

Company Deletion by User

If the User manually deletes a company, database records assigned to that company will be removed from the production database and files stored in the Service storage, in particular PDF documents, invoices, attachments, images and other uploaded files, will be deleted from the production storage without undue delay. Company deletion is irreversible and may include deletion of the company registration, settings, users assigned to the company, documents, attachments and other content linked to that company. Some technical database data may remain temporarily contained in automatic database backups of the infrastructure provider for up to 7 days; these backups are not intended for individual restoration of data of a deleted company at the User’s request.

Before deleting a company, the User is obliged to export all data, documents and records that the User needs to retain for accounting, tax, legal or internal purposes.

Account Cancellation upon Request

After receiving a request to cancel an account, the Provider will cancel the account no later than on the last day of the calendar month in which the request was received. If the request is received during the last three days of a calendar month, account cancellation may be performed no later than by the end of the following calendar month.

Unpaid Subscription

• After 21 days of delay, the company may be switched to read-only mode.
• After another month, access to the company may be blocked.
• If the subscription is not renewed within 3 months after restriction or blocking of the Service, the company and related data may be permanently deleted after prior notice, except for data that the Provider is required to retain by law or to protect legal claims.

Right to Account Deletion

You may request deletion of your account at any time by sending a request to support@cywo.tech.

5C. SERVICE AVAILABILITY (SLA)

Target Uptime

The Provider will use reasonable efforts to maintain Service availability at 99.5% monthly uptime. This value represents an availability target, not a guaranteed SLA, unless otherwise agreed with the User in writing.

Planned Maintenance

• 📅 The Provider will use reasonable efforts to announce planned maintenance in advance, generally at least 48 hours in advance where circumstances allow.
• ⏰ Maintenance is usually performed outside normal business hours or during lower Service load.
• ⏱️ In necessary cases, maintenance may be performed without prior notice, especially for security or operational reasons.

Unplanned Outages

In the event of an outage, the Provider will, according to its technical capabilities, work to restore the Service and inform Users in an appropriate manner, especially in the case of longer or significant outages.

SLA Exclusions

• Planned maintenance and security interventions.
• Outages caused by third parties, infrastructure, networks, payment gateways or services outside the Provider’s reasonable control.
• Incidents caused by the User’s configuration, device, network or intervention.
• Force majeure events, cyberattacks, power outages, natural disasters, war events or actions of public authorities.

5D. CHANGES TO TERMS

CyWo Tech, a. s. reserves the right to change these Terms of Service at any time.

Notification

You will be informed about changes:

• 📧 By email at least 30 days in advance
• 🔔 By notification in application
• 📄 By publishing new version at https://cywo.tech

Acceptance of Changes

Continued use of the Service after changes become effective means you agree to new terms. If you disagree, cancel your account before effective date.

By continuing to use the Service, the User agrees to the implemented changes.

6. TERMINATION

Termination by User

You may cancel subscription at any time:

• In account settings
• By email to support@cywo.tech
• Effective: At end of current billing period

Termination by Provider

We may terminate your access in case of:

• ❌ Violation of Terms of Service
• ❌ Non-payment of invoices (30 days after due date)
• ❌ Illegal activity
• ❌ Service abuse

Notice: 14 days in advance (except serious violation).

Service Termination

CyWo Tech, a. s. reserves the right to terminate BizHub as a whole:

• 📧 Notice 90 days in advance
• 💰 Refund of unused subscription
• 📥 Ability to export all data

7. DISPUTE RESOLUTION

Governing Law and Dispute Resolution

The contractual relationship between the Provider and the User shall be governed by the laws of the Slovak Republic, in particular, but not exclusively, Act No. 513/1991 Coll., the Commercial Code, as amended. Any disputes between the Provider and the User shall be resolved in accordance with Act No. 160/2015 Coll., the Civil Dispute Procedure Code, as amended.

Out-of-Court Resolution

Before initiating court proceedings, we recommend:

1. Contact our support: support@cywo.tech
2. Mediation (Slovak Chamber of Commerce and Industry)
3. Negotiation between authorized representatives of the contractual parties with the aim of resolving the dispute amicably

8. MISCELLANEOUS

Entire Agreement

These Terms together with the price list, confirmed order, any individual agreement, Privacy Policy and any data processing agreement constitute the agreement between the User and the Provider concerning the use of the Service.

Order of Documents

In the event of a conflict between an individual written agreement, confirmed order or price offer, price list and these Terms, the individual written agreement shall prevail, followed by the confirmed order or price offer, followed by the price list and then these Terms, unless expressly agreed otherwise.

Delivery of Notices

Provider notices may be delivered by e-mail to the address listed in the User account, by in-app notice or by publication on the Provider’s website. A notice sent by e-mail is deemed delivered at the moment of sending unless the Provider receives an automatic non-delivery message. The User is responsible for the accuracy and validity of their e-mail address.

Invalidity of Provisions

If any provision is invalid or unenforceable, this does not affect the validity of the remaining provisions. The invalid or unenforceable provision shall be replaced by a provision that most closely reflects its purpose.

Assignment of Rights

The User is not entitled to assign any rights or obligations arising from these Terms to a third party without the Provider’s prior written consent.

Temporary Suspension of the Service

The Provider reserves the right to temporarily restrict or interrupt the provision of the Service for technical, security, legal or operational reasons. The User will be informed of any material restriction in an appropriate manner where circumstances allow.

Language Version

In case of conflict between Slovak and English versions, the Slovak version prevails. The English version serves as a reference translation.

Effectiveness of Terms

These Terms become effective on the date of publication on www.cywo.tech or another official website of the Provider and replace all previous versions.

Effective Date: October 25, 2025
Version: 1.0

2. PRIVACY POLICY (GDPR COMPLIANT)

Version: 1.0
Effective Date: October 25, 2025

1. DATA CONTROLLER AND PROCESSOR

Name: CyWo Tech, a. s.
Company ID: 51 462 699
Registered Office: Pri Tureckom kopci 769/9, Most pri Bratislave 900 46, Slovak Republic
Email: support@cywo.tech
Contact for personal data protection matters: support@cywo.tech
Web: https://cywo.tech

Roles in Personal Data Processing

The User is responsible for ensuring that personal data uploaded to or processed in the Service is processed on an appropriate lawful basis and in accordance with applicable laws.

2. WHAT PERSONAL DATA WE PROCESS

Registration Data:

• Name and surname (or company name)
• Email (for login and communication)
• Password (hashed using bcrypt)
• IP address (during registration and login)

Organization Data:

• Company name, Company ID, Tax ID, VAT number
• Address (registered office)
• Contact details
• Logo and stamp (optional)
• Bank accounts

Business Data:

• Clients: Company names, IDs, tax numbers, addresses
• Employees: Names, positions, salaries
• Invoices: Document numbers, amounts, VAT
• Uploaded files: PDF invoices, attachments

3. WHY WE PROCESS YOUR DATA

Note: The Provider’s accounting and invoicing data is retained based on legal obligations under accounting and tax laws. Data uploaded by the User into the Service is generally processed by the Provider as processor according to the User’s instructions.

4. WHO HAS ACCESS TO YOUR DATA

Processors and Subcontractors

AI/OCR Processing

BizHub uses its own or customized LLM/OCR models and its own software/hardware. User data is not sent to public AI services such as OpenAI, Claude AI or similar public AI platforms as part of standard OCR/AI processing and is not used to train public AI models.

4A. DATA PROCESSING AGREEMENT (DPA)

This section constitutes a data processing agreement under Article 28 GDPR for cases where CyWo Tech, a. s. processes personal data on behalf of the User as processor.

5. DATA TRANSFER OUTSIDE EU

5.1 Data Storage and Processing

The Provider aims to store and process User data within the European Union or the European Economic Area where permitted by the used infrastructure and contractual settings of subcontractors.

5.2 Exceptions and Technical Support

Some subcontractors, especially payment, email or support services, may process limited data outside the EU/EEA. In such cases, the Provider will ensure appropriate safeguards under GDPR, in particular standard contractual clauses or another valid transfer mechanism where required.

6. HOW LONG WE RETAIN DATA

6.1 During Active Account or Company

Data is retained during the active account, existence of an active company or provision of the Service to the extent necessary to provide the Service.

6.2 Unified Data Retention Table

Legal basis for technical logs and access records: the Provider’s legitimate interest under Article 6(1)(f) GDPR, in particular Service security, prevention of misuse, diagnostics and protection of legal claims.

6.3 Legal Claims

If there is a court dispute, complaint, security incident, tax audit or other legal reason, data may be retained for the period necessary to resolve the matter and protect rights and legitimate interests.

7. YOUR RIGHTS UNDER GDPR

7.1 Right of Access (Art. 15)

You have the right to know:

• ✅ What data we have about you
• ✅ How we use it
• ✅ Who we provide it to
• ✅ How long we retain it

How to request: Send an email to support@cywo.tech
Response: within 30 days (as required by GDPR)

7.2 Right to Rectification (Art. 16)

You can correct:

• ✅ Inaccurate profile data
• ✅ Incorrect organization data
• ✅ Contact information

How: in your account settings or by email

7.3 Right to Erasure - "Right to Be Forgotten" (Art. 17)

You can request deletion:

• ✅ When data is no longer necessary
• ✅ If you withdraw consent (marketing)
• ✅ If processing was unlawful

Exception (we cannot delete):

• ❌ Invoices (legal obligation 5 years)
• ❌ Data needed for legal claims
• ❌ Accounting records (accounting law)

How: Email to support@cywo.tech with request

7.4 Right to Data Portability (Art. 20)

You have the right to obtain your data in machine-readable format:

• 📥 Excel export (invoices, clients, employees)
• 📥 JSON export (all database data)
• 📥 PDF archive (all uploaded documents)

How: In account settings → "Export data" or email to support@cywo.tech

7.5 Right to Restriction of Processing (Art. 18)

You can request suspension of processing:

• ⏸️ While we verify data accuracy
• ⏸️ If you object to processing
• ⏸️ While a legal dispute is resolved

Consequence: Data will only be stored, not actively processed

7.6 Right to Object (Art. 21)

You can object to:

• ❌ Marketing (immediate cessation)
• ❌ Profiling (if performed)
• ❌ Processing based on legitimate interest

Exception: You cannot object to processing necessary for contract performance

7.7 Right to Withdraw Consent (Art. 7(3))

You can withdraw anytime:

• 📧 Consent to marketing emails
• 📧 Consent to newsletter
• 📧 Consent to the processing of personal data

How: Click "Unsubscribe" in email or in account settings

7.8 Right to Lodge a Complaint (Art. 77)

If you suspect GDPR violation:

8. DATA SECURITY

8.1 Technical Measures

• 🔒 SSL/TLS encryption of data transmission
• 🔒 User authentication and access rights management
• 🔒 Technical separation of data of individual organizations
• 🔒 Backup and recovery to the extent necessary for Service operation
• 🔒 Monitoring and security measures appropriate to risks and technical capabilities
• 🔒 Own AI/OCR processing without sending client data to public AI services such as OpenAI or Claude AI

8.2 Organizational Measures

• 👤 Access to data only by authorized persons and only to the extent necessary for providing the Service or support
• 👤 Confidentiality obligations for persons with access to data
• 👤 Internal procedures for security incidents
• 👤 Reasonable control and management of subcontractors

8.3 Backup

The Provider performs technical backups to the extent necessary for operation and restoration of the Service. If deleted data is temporarily contained in technical backups, it is retained for up to 7 days unless longer retention is required by a legal claim, security incident or legal obligation.

8.4 Security Incident

In the event of a personal data breach, the Provider will proceed in accordance with GDPR. Where it acts as a processor, it will notify the User as controller without undue delay after becoming aware of the incident. Where it acts as a controller, it will assess the risk of the incident and fulfil any notification obligations towards the supervisory authority and data subjects.

9. PERSONS UNDER 18 AND PERSONAL DATA

10. CHANGES TO PRIVACY POLICY

10.1 Right to Change

We may update this policy when:

• 📋 Laws change (GDPR, Slovak regulations)
• 📋 New service features
• 📋 Technology changes

10.2 Change Notification

• 📧 Email at least 30 days in advance
• 🔔 In-app notification
• 📄 New version on website: https://cywo.tech

10.3 Acceptance of Changes

By continuing to use the service after changes take effect, you agree to new policy.

11. CONTACT

General Privacy Questions

📧 Email: support@cywo.tech
🌐 Web: https://cywo.tech

Exercising GDPR Rights

📧 Email: support@cywo.tech
Please include:

• Your name and account email
• Specific right (access, deletion, etc.)
• Reason for request (optional)

Response: Within 30 days (per GDPR Art. 12(3))

GDPR Complaints

12. FINAL INFORMATION

Effective Date: October 25, 2025
Version: 1.0
The full Privacy Policy can be found in the relevant policy document

3. COOKIE POLICY

Version: 1.0
Effective Date: October 25, 2025

1. WHAT ARE COOKIES

Cookies are small text files stored in your browser that allow websites to "remember" your settings and preferences.

2. WHAT COOKIES WE USE

Legal basis: The use of strictly technical cookies is based on the Operator’s legitimate interests under Article 6(1)(f) GDPR and compliant with Article 5(3) of the ePrivacy Directive (2002/58/EC).

3. STRIPE COOKIES (Payments)

When paying via Stripe, Stripe cookies may be used for payment processing and fraud prevention.

More information: https://stripe.com/cookies-policy
Stripe Privacy Policy: https://stripe.com/privacy

4. SUPABASE COOKIES (Backend)

Supabase uses cookies for authentication:

More information: https://supabase.com/privacy

5. HOW TO MANAGE COOKIES

5.1 Blocking Cookies in Browser

You can disable cookies in your browser settings:

• Chrome: Settings → Privacy and security → Cookies
• Firefox: Options → Privacy & Security → Cookies
• Safari: Preferences → Privacy → Cookies
• Edge: Settings → Privacy → Cookies

5.2 Deleting Cookies

You can delete cookies:

• In browser settings → Clear browsing data
• Using shortcut: Ctrl + Shift + Delete (Windows) or Cmd + Shift + Delete (Mac)

If the Provider starts using analytics, marketing or profiling cookies in the future, it will use them only after obtaining the relevant User consent where required by applicable law.

6. CHANGES TO COOKIE POLICY

If we change cookie usage, we will update this page and inform you:

• 📧 By email (for significant changes)
• 🔔 By in-app notification

7. CONTACT

Questions regarding cookies:

📧 Email: support@cywo.tech
🌐 Web: https://cywo.tech

Effective Date: October 25, 2025
Version: 1.0
Full Cookie Policy can be found in the the relevant policy document