The operator of the website (hereinafter also "website") is the company FLOWPAY s.r.o., ID No.: 09770747, with its registered office at Rooseveltova 613/38, Bubeneč, 160 00 Prague 6, a company registered at the Municipal Court in Prague under the file No. C 342283 (hereinafter also "operator").
The operator owns all rights arising from intellectual property rights to the website's own content, including text and its design, logo, technical sketches, graphics, all images on this website, as well as to the selection and arrangement of files contained on this website.
The operator hereby issues conditions for the use of the website (hereinafter also "Terms of use"). The website is publicly accessible free of charge, as well as has or may have a user part and its use is governed by these Terms of use.


Everyone who accesses the website is its user (hereinafter also "user") within the meaning of these Terms of use.
The user undertakes to comply with applicable laws and regulations, good morals and these Terms of use when using the website and not to damage the good name of the operator or other users in any way. In particular, the user undertakes not to:
interfere with the security, technical site or content of the website or otherwise misuse it,
interfere with the use of the website by other users,
use the website to send unsolicited messages, chain messages, etc.,
send messages to the website containing viruses or any dangerous or harmful programs,
create fake messages for the purpose of falsifying the identity of the sender or attempting to infiltrate the account of other users
attempt to gain unauthorised access to those parts of the website which are excluded from public use; 
disseminate infringing news or material on this website.


The protection of users' personal data is regulated in the Privacy Policy.
The rules for the use of "cookies" and the ways of their use can be found at


The operator may make changes to the website at any time and without prior notice.
The operator is not liable for any possible damages that may occur to user in connection with the use of the website.
The content of the website is of an informative nature, unless the context indicates otherwise (e.g. from a loan agreement, etc.). The operator does not guarantee the accuracy and completeness of the information on the website. Unless the context indicates otherwise or unless otherwise stated in individual cases, the publication of any data and information on the website is not any legal action aimed at establishing a legal relationship between the operator and the user with the exception of these Terms of use or the loan agreement.
The operator is not responsible for the content of websites belonging to third parties that can be visited through the website.
The operator also does not bear any responsibility for advertising or any other form of promotion by any third party through the website.


The operator is entitled to change these Terms of use at any time.
These Terms of use are made in Czech. The user understands and agrees that where the operator prepares or provides a translation of the Czech language version of the Terms of use, this translation is only informative and in case of discrepancies between the language versions, the Czech version of the Terms of use always takes precedence.
These Terms of use are effective from 1. 10. 2021.


Please direct questions to