General terms and conditions (“GTC”)

of the website www.finaram.cz

operated by Finaram s.r.o. (IČO: 19085133) with registered office at Korunní 2569/108, Vinohrady, 101 00 Prague 10

WHO ARE WE AND WHAT ARE THESE GTC FOR?

We are Finaram s.r.o. (IČO: 19085133), with registered office at Korunní 2569/108, Vinohrady, 101 00 Prague 10, operating the website www.finaram.cz (“website“) and these GTC govern the operation of this website.

You can contact us by email [email protected] (“contact email”) or via our web form on our website www.finaram.cz. Our contact address for service of process is Korunní 2569/108, Vinohrady, 101 00 Praha 10 (“contact address“).

These GTC regulate, in accordance with the provisions of Section 1751, paragraph 1 of Act No. 89/2012 Coll., the Civil Code, as amended (“CC“), the mutual rights and obligations between us and you (whether you are a natural person or a legal entity) when using our website and the services it offers, as well as the mutual rights and obligations arising in connection with or based on the contract on the use of the website or any other contract concluded between us and you, usually in writing, but not exclusively (“Contract“).

I. GLOSSARY OF TERMS

Wherever in these GTC we refer to “us”, we mean Finaram s.r.o. (IČO: 19085133) with its registered office at Korunní 2569/108, Vinohrady, 101 00 Prague 10, its employees and cooperating third parties.

Contact address

By contact address, we mean our address for the delivery of documents from you, e.g. requests for information about the handling of personal data. You can find it at the beginning of the GTC.

Website

Website is an umbrella term for our web interfaces, in particular the website www.finaram.cz, and web interfaces owned by you or used by a third party (meaning in particular internal facility management systems owned by another provider, etc.).

Visitor

A Visitor is any natural or legal person who visits our website or contacts us in any other way. By filling out the relevant form on the website, you become a Customer.

Customer

A Customer is any legal or natural person who has filled in the relevant form on our website or entered into any Contract with us, regardless of form. A Customer also includes persons who act as employees of the Customer or otherwise work with the Customer.

As a Customer, you are required to seek consent to the processing of personal data also of your own customers, employees, collaborators, and other persons (if they are natural persons) whose data is to be used (processed) by us in the performance of the Contract by us, and to keep such consent valid throughout the termination of this Contract. Wherever it speaks of the necessity of consent of natural persons to the processing of personal data in connection with the Contract, you shall procure and keep in force such consent in accordance with this provision. You expressly declare that you hold all such consents in accordance with the legislation and that you comply with the applicable legislation when you provide or disclose such personal data to us.

Broker

A Broker is a person who mediates the provision of loan to Customers. For the purposes of the Contract and these GTC, a Broker also means any person who is its bound representative, whether acting in the name and on behalf of the Broker or in its own name on behalf of the Broker, or on the basis of another legal relationship to the Broker, or in its own name and on its own account, always exclusively for the ultimate purpose of mediating the provision of a loan to the Customer from a bank or other financial institution with a valid authorization from the Czech National Bank for the provision of consumer and other loans (“Bank“), with which the Broker, or this bound representative, has concluded an agreement. Broker also includes employees of a bound representative or any person cooperating with a bound representative. You do not conclude any agreement for the provision of the loan or its mediation or any other agreement in connection with the loan (“loan agreement“) on our website, but directly with the Broker, to whom we will forward the required information entered by you in the relevant form on our website in accordance with the website usage Contract. Pre-contractual and contractual information regarding the loan is provided directly by the Broker.

II. INTRODUCTORY PROVISIONS

If we refer in any form to the Terms and Conditions when concluding the Contract, we mean these GTC or their later versions. The GTC shall also apply to all business relations between us and third parties if this follows directly or indirectly from the nature of a right or obligation under the Contract or from a legal regulation.
You agree with us that the Contract is not in any way affected by trade practices. The relevant part of section 545 CC is excluded.
These GTC are an integral part of any Contract we enter into together. We may agree with you in the Contract on certain provisions that deviate from these GTC, but these GTC will always be part of the Contract even in such a case. Deviating provisions in the Contract take precedence over the universal provisions of the GTC.
The Contract and the GTC are in both Czech and English, but both are governed by Czech law. Any disputes arising out of the Contract, even if the contractual documents are in another language, shall be settled between us before the courts of the Czech Republic in accordance with Czech law.
Please note that in order to, among other things, comply with constantly changing legislative requirements, we may unilaterally amend or supplement the GTC, regardless of the nature of the provision being amended. You agree that you will be notified of any changes to the GTC via our website and that no personalised notice will be sent to you. You may, in accordance with Section 1752, paragraph 1 of the CC, reject these changes and unilaterally terminate the Contract by notice in accordance with point 3.2. of Part VIII. of the GTC. The termination of the Contract in no way interferes with our already existing right to transfer your personal data that you provided to us during its term, nor with any already existing rights of the Brokers to whom the personal data was transferred. This provision also does not affect the rights and obligations that arose during the period of effectiveness of the previous version of the GTC. However, all newly arising rights and obligations from existing Contracts will be governed by the new version of the GTC.

III. HOW THE WEBSITE WORKS

The website is a platform where you can compare interest rates between your selected loan and mortgage product or compare different scenarios at different mortgage loan interest rates, or simply find out the best rates for loan and mortgage products available through the Broker. Through this website, you can provide us with your personal data and other required information related to your intention to obtain a certain type of loan, using the appropriate forms, which we will forward to the Broker, who can then contact you based on them and offer their services, if you meet the conditions for obtaining a loan. Pre-contractual and contractual information regarding the loan agreement will be provided by the Broker.
The Website can be viewed completely free of charge and without registration. You do not pay us anything for using the website.
All obligations under the loan agreement arise directly from you to Broker and we have no involvement in this contractual relationship.
If you have any questions about the operation of the website, please first read the instructions on our website or these GTC or the GDPR Policy, where we believe the vast majority of your questions are answered. If you still have any questions, please do not hesitate to contact us via our contact email listed in the beginning of the GTC.

IV. INFORMATION FOR CONSUMERS BEFORE ENTERING INTO A website usage CONTRACT AND ANY OTHER CONTRACT WITH US

You have read and accepted these GTC on our website, at the latest we provide all consumer information in accordance with § 1820 CC.
Information about the main characteristics of the goods or services – the whole of Part III. GTC (HOW THE WEBSITE WORKS) and paragraph 1 of Part V. of the GTC.
Information about your identity and contacts according to § 1820 (1) (b), (c) and (d) CC – see the beginning of the GTC (WHO ARE WE AND WHAT ARE THESE GTC FOR).
Total price and delivery costs and charges pursuant to Art.1820(1)(e) and (j) CC – all of Part III. GTC (HOW THE WEBSITE WORKS).
Cost of means of remote communication – we and you each bear our own.
Conditions, time limit and procedure for exercising the right to withdraw from the Contract – see Part VII. GTC (DEFECTS AND CLAIMS).
An indication that the consumer does not have the right to withdraw from the Contract if this is the case, or an indication of the conditions under which the consumer’s right to withdraw from the Contract ceases – see Part VII. GTC (DEFECTS AND CLAIMS).
An indication of the existence of rights arising from defective performance, including, where applicable, the quality guarantee, after-sales service and their conditions – see paragraph 12 in Part VII. GTC (DEFECTS AND CLAIMS).
Indication of the duration of the commitment and the conditions for termination of the commitment – Part V. GTC (CONCLUSION OF THE WEBSITE USAGE CONTRACT) and Part VIII. GTC (THE DURATION OF THE WEBSITE USAGE CONTRACT).
The shortest period of time for which the consumer’s obligations under the Contract will continue, if to be determined by the Contract – see paragraphs 2 and 3 in Part V. GTC and the whole of Part VIII. GTC (THE DURATION OF THE WEBSITE USAGE CONTRACT).
Information on the existence, method and conditions of out-of-court settlement of consumer disputes, including whether a complaint can be addressed to a supervisory or state supervisory authority – see Part XI. GTC (DISPUTE RESOLUTION).

V. CONCLUSION OF THE WEBSITE USAGE CONTRACT

The object of the Contract you enter into with us pursuant to the provisions of Section 1746 (2) of the CC is to enable you to use the website and its functions, thank to which you may obtain the required loan after completing the process described in Part III. of the GTC and on our website. You do not pay us any fee for the use of the website.
The Contract is concluded through the website by clicking on any so-called action button, in particular “SEND CODE” or another “SEND” button, “CREATE ALERT” or “CALL BACK“. The moment you click on the relevant action button, the Contract is concluded, which is your unconditional acceptance of the proposal to conclude it, i.e. from this moment the Contract becomes valid and effective. Through this process, the Visitor becomes the Customer.
By clicking on the box (so-called checkbox) containing the description “I agree to the terms and conditions and privacy policy” and then clicking on the button within the meaning of paragraph 2 of this Part of the GTC, you agree to these GTC and to be bound by them.
Please note that you are not entitled to accept an offer to conclude the Contract from us by modified acceptance, i.e. to unilaterally change our offer. You agree to exclude the application of section 1740 (3) CC. Conversely, any change made by us from our original offer shall be deemed a new offer to conclude the Contract. In the event that you attach your terms and conditions within the meaning of section 1751 CC to your acceptance, please note that these will never become part of the Contract.
You consent to the use of remote means of communication in the conclusion and performance of the Contract. You shall bear the costs incurred by you in the use of remote means of communication in connection with the conclusion of the Contract (in particular the costs of the internet connection). We, in turn, shall bear our own costs of concluding the Contract.

VI. RIGHTS AND OBLIGATIONS OF THE PARTIES

Please note that you are obliged to comply with all your obligations under the Contract, these GTC, which are an integral part of it, and generally binding legal regulations. Please be aware that we may also suffer harm as a result of your breach, whereby our goodwill and the reputation of the website may be damaged or other types of non-pecuniary harm or damage may occur. We are therefore entitled to pursue any claims arising from such a situation against you in accordance with the applicable law.
You are obliged to act towards us in a decent, honest and good faith manner and to provide all necessary cooperation and information that is required for the proper performance of the Contract. We are obligated to do the same.
The monthly payment, total payment, insurance and RPSN stated in our calculator for the type of loan you select represent a mathematically accurate estimate, but the final terms of the loan are always negotiated with the Broker at the time of entering into the loan agreement, and its other terms are thus entirely up to the Broker.
You are obliged to provide all information correctly and truthfully when using the Website and in all communications with us, and if any information changes, you are obliged to promptly update it immediately by sending an email to the address specified in the beginning of the GTC, in particular any personal information necessary for our performance of the Contract. We consider the information you have provided to be correct and up-to-date.

VII. DEFECTS AND CLAIMS

This part of the GTC applies only to the website usage Contract and not to your rights and obligations in relation to the Broker who mediates, has mediated or plans to mediate the conclusion of a loan agreement with the Bank, nor to your rights and obligations in relation to the Bank with which you enter, have entered or intend to enter into a loan agreement. We are not responsible for any defects in the final product (loan) or its mediation, whether hidden or visible, as you are entering into the loan agreement directly with the Bank, not with us and the mediation of the conclusion of the loan agreement is carried out directly by the Broker, not us. The essence of this Contract is solely the operation of the website and the provision of services on it. Unless expressly stated otherwise in the individual provisions of this Part of the GTC, it applies to both consumers and other persons. A consumer means any person who, outside the scope of his business activity or outside the scope of the independent exercise of his profession, enters into a contract with the entrepreneur or otherwise deals with him. If you use an ID number at any time in the performance of the Contract, you are not considered a consumer.
You must make a claim for our service under the website usage Contract without undue delay after you have become aware of the defect, but at the latest within 3 days of such discovery, and at the same time elect the right of defective performance. A proper claim shall include notification of the date on which you became aware of the defect in the Contract.
If you are a consumer, you may claim our service (this is a digital content service) from the website usage Contract within 6 months of the date of its provision, and it is you who must prove that the defect in the website service existed from the outset.
Complaints about our service can be made by email to our email address or in paper form to our contact address, both as stated in the beginning of the GTC. In the complaint, please provide your identification data, contact details, what you are complaining about and why, provide proof that we have provided the service in question and state how you wish to resolve the complaint. You will receive an acknowledgement of receipt of the complaint by email within 5 working days at the latest. In the acknowledgement of the claim, we will state our identification data, your identification data, your description of the defect, the right you have exercised in respect of the defective performance and the date of the claim, which is the date on which the claim was received by us.
If the defect is a material defect (one which the party in breach of the Contract knew or ought to have known at the time of entering into the Contract that if the other party had foreseen the defect, it would not have entered into the Contract), you may require the supply of new or missing services or the rectification of the defect. If the defect is immaterial, you are only entitled to have it remedied.
If you are a consumer, you are always entitled to have the defect removed.
If it turns out that you knew about the defect before the conclusion of the Contract or caused it yourself, you are not entitled to claim any right from the defective performance on the basis of withdrawal from the Contract, whether you are a consumer or not.
We will deal with your claim within 30 days of you making it, unless we agree in writing with you to a longer period. This period will start on the day after the date of the claim (the date of the claim will be stated in the claim confirmation we send you). If the end of this period falls on a Saturday, Sunday or public holiday, the period will end on the next working day. If we do not deal with the claim within this period, you will have the same rights after the expiry of this period as if it were a material defect.
A complaint is settled when we inform you by email that it has been settled and how it has been settled. This email message serves as confirmation that the complaint has been settled. We may reject your claim for the following reasons in particular:
- the claim should have been filed with someone else;
- you were aware of the defect you are complaining about when you entered into the Contract or you caused it yourself;
- the defects occurred after 6 months from the conclusion of the Contract;
- the reason for the claim is the failure to meet your subjective expectations.
If you are a consumer, you have the right to be reimbursed for the costs of making a claim, namely the costs reasonably incurred, which are understood to be the lowest possible costs. You must request reimbursement of these costs without undue delay, but at the latest within one month of the end of the period for making a claim.
Any monies to be refunded or otherwise discharged by us, will be sent to your bank account, which you specify in the complaint, unless we expressly agree otherwise.
Withdrawal from the Contract by the consumer
- By agreeing to these GTC upon conclusion of the Contract (in accordance with paragraphs 2, 3 and 4 of Part IV of the GTC), you are giving us an explicit request that you do not wish to exercise your right to retain the 14-day period for withdrawal from the Contract without giving a reason, where this decision means that by concluding the Contract, your right to withdraw from the Contract without giving a reason ceases, since by concluding the Contract, the service is fully provided.
- We hereby expressly point out to you that after concluding the Contract, you are not entitled to withdraw from the Contract within 14 days without giving a reason.

VIII. THE DURATION OF THE WEBSITE USAGE CONTRACT

The Contract shall enter into force and become effective upon its conclusion (Part V. of the GTC – CONCLUSION OF THE WEBSITE USAGE CONTRACT). The Contract is concluded for an indefinite period of time.
The use of the website (and therefore the performance of the Contract) may be temporarily suspended by us due to your violation of the rules of use of the website and/or your obligations under the Contract, these GTC or the law and/or without giving any reason.
The Contract may be terminated:
- by our mutual agreement;
- unilaterally by your side. You are entitled to terminate the Contract at any time, even without giving a reason, with a notice period of 7 days, unless we expressly agree otherwise. Your termination must be in writing, unless we agree otherwise, and you must deliver it to us by email to the email address or by letter to the contact address specified in the beginning of the GTC;
- unilaterally by our side. We are entitled to terminate the Contract at any time and without giving any reason, in particular due to (i) failure to provide us with the necessary cooperation, (ii) if you have behaved or threaten to behave in a way that results in a breach of the Contract, (iii) if the nature of the service changes or we no longer provide the service in this form. The notice period is 7 days, unless we expressly agree otherwise. The notice must be in writing, unless we agree otherwise, and will be delivered to you by email to the email address that you provided to us via the web form when concluding the Contract. If it is not possible to send you notice of termination by email, especially if you have not provided us with your email address, you will be notified of the termination by phone call or SMS.
It is not possible to withdraw from the Contract. For information for consumers on withdrawal from the Contract without giving a reason, see paragraph 12 of Part VII of the GTC.
Please note that the termination or suspension of the Contract does not affect your rights and obligations under the loan agreement with the Broker.

IX. CONCLUSION OF A LOAN AGREEMENT

Our website only acts as a platform where you can compare loan options and ultimately reach a connection with the Broker. The actual conclusion of the loan agreement is already taking place outside the user environment of the website through the means of communication agreed with the Broker.
By agreeing to these GTC, you acknowledge that the content and other details of the loan agreement are subject to your agreement with the Broker, and we do not interfere with this contractual process.
Again, please note that the loan agreement is between you and the Bank only, so if the mathematical calculation of interest or other loan specifications do not exactly match the final loan agreement, the Bank and/or the Broker are solely responsible for this and you must pursue your claims directly against them.
This loan agreement is entered into independently of the termination of the Contract (website usage Contract) and any termination of the Contract (website usage Contract) shall not affect the termination of the loan agreement and your rights and obligations thereunder.

X. LIABILITY

Due to the fact that you are entering into a loan agreement for the selected product directly with the Bank and its mediation by the Broker takes place outside of the website environment, we reserve the right to inaccuracy in the estimated interest rates calculated by our calculator. Therefore, only the terms of the loan agreement and the interest rate are binding if they are set out in a valid loan agreement concluded solely between you and the Bank.
We would also like to inform you that we shall not be liable for the performance of the obligations arising from the Broker´s mediation of the loan agreement or from the loan agreement itself concluded between you and the Bank, nor for any failure to enter into the loan agreement or for any failure of the other party to provide the necessary cooperation in the process of concluding the loan agreement or its mediation. As all communication between you, the Broker and the Bank, whose product you wish to use, takes place outside the user environment of the website, we cannot interfere with this process and are not responsible for its course. However, in the event of a dispute with the Broker or with the Bank, we will be happy to assist you – please keep a record of any written communication between you and the other party to the dispute and contact us at our email address listed in the beginning of the GTC.
We will not be liable for any indirect, consequential or other type of loss (damages or injury to the fullest extent possible) arising out of or by reason of the Contract or your failure to enter into the loan agreement.
If the preceding paragraph does not apply, any claim against us for compensation for your losses arising out of or in connection with the Contract, whatever the cause of such loss, shall be limited to 1.000 CZK. The foregoing shall not apply to wilful or grossly negligent damage and to non-pecuniary damage to your rights arising out of the Contract.

XI. DISPUTE RESOLUTION

The Contract and any disputes arising out of or in connection with this Contract shall be finally settled by the ordinary courts of the Czech Republic in accordance with the laws of the Czech Republic.
The Contract shall be governed by Czech law.
You and we agree to resolve any disputes arising out of or in connection with the Contract preferably out of court. You agree to resolve any disputes arising out of or in connection with the loan agreement preferably out of court, provided that we may assist you in such out-of-court resolution or recommend a lawyer to assist you in resolving the dispute. Please retain all written communications with the Broker for these purposes.

XII. PROCESSING OF PERSONAL DATA

In this Part of the GTC you will learn how we handle your personal data (if you are a natural person) or the personal data of any other natural person whose personal data you have disclosed or have otherwise been disclosed to us. This section of the GTC applies to.
- the processing of personal data that you have provided in the relevant form on the website,
- the processing of personal data that we carry out during the course of the business relationship between us,
- the processing of your personal data that is necessary for the purposes of protecting our legitimate interests.

If you require any further clarification, please contact us via our email address mentioned at the beginning of the GTC, we will be happy to explain everything to you in more detail.

The protection of your personal data is provided by Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data and repealing Directive 95/46 EC (GDPR), Act No. 101/2000 Coll., on the protection of personal data, as amended, and other legislation, these GTC accessible on our website, and our internal security.
We process your personal data for the following purposes:
- Transmission of your personal data to the Broker (Purpose A)
  - We process your personal data for the purpose of transferring it to the Broker so that the Broker can subsequently mediate the enter into the required loan agreement with you. We will only ever request proportionate and relevant data that is necessary to enable us to provide the Broker with the information he/she needs to verify the suitability of the subject for the requested loan. Without this information we would not be able to fulfil our obligations and the consequence could be the impossibility of the resulting service. You expressly agree to the transfer of your personal data to the Broker and also to the transfer of your personal data, including information on the amount and type of loan provided by the Bank and the date of its provision, by the Broker to us. This consent is necessary for our performance of the Contract, without which performance cannot be provided.
- Fulfilling our legal obligations (Purpose B)
  - In particular, we process your personal data in connection with obligations under accounting and tax legislation, archive and record-keeping regulations, or other legal requirements.
- Provision of news, tips and marketing offers (Purpose C)
  - We process your personal data for the purpose of sending you news, tips and marketing communications about our website on the basis of your consent.
  - After you have given such consent, we may contact you by email to provide you with valuable information about our website, its features and other interesting information.
  - If you give us such consent, you acknowledge that the provision of such consent is voluntary and that you may withdraw your consent at any time by writing to our contact address or by email as set out in the beginning of the GTC.
  - Consent to the processing of personal data in its entirety under this Purpose C is not a condition that would in itself prevent the provision of the Contract, i.e. the transfer of personal data to the Broker.
- Protection of our legitimate interest (Purpose D)
  - On the basis of legitimate interest and to maintain the functioning of our website, we may also process your personal data for the purposes of any dispute resolution or the enforcement of our legal claims.
In order to provide our services for Purpose A, Purpose B and Purpose D, we may request and process the following personal data from you in particular: name and surname, address, date of birth and/or birth number, telephone number, email address, and other personal data.
For the provision of news, tips, marketing offers and commercial communications (Purpose C), we may request and process in particular the following personal data from you: name and surname, address, telephone number, email address, IP address of the device from which you visit the website.
If you provide us with personal data that is classified as particularly sensitive under GDPR legal standards (e.g. ethnicity, religion or health) in exceptional circumstances, we will only process such sensitive personal data in accordance with the relevant legislation.
We only process your personal data for the purposes set out above. We process personal data in electronic form, both manually and by automated means.
Please note that you are obliged to provide your personal data correctly and truthfully, and that you are obliged to update it without undue delay, at the latest within 3 days, in the event of a change, by sending an email to the address specified in the beginning of the GTC.
You confirm that the personal data provided by you is accurate and that you have been informed that this is voluntary provision of personal data.
We store and process your personal data for the following period of time:
- Purpose A: We process your personal data collected in connection with Purpose A for the period necessary to transmit the information to Broker. We then process such personal data for a maximum period of three years for the performance of the obligations arising therefrom and further according to the obligations set out by law (in particular for the purposes of tax, archiving, record-keeping and other obligations).
- Purpose B: We process your personal data collected in connection with Purpose B for the period of time specified by the applicable legislation.
- Purpose C: We process and use your personal data obtained on the basis of your consent in connection with Purpose C for the stated purpose for the duration of the consent until its revocation. You may withdraw this consent at any time and request that your data be deleted. (Request for information on the processing of personal data or for their deletion)
- We process your personal data collected in connection with Purpose D for a maximum period of three years from the time the data processing begins, unless otherwise provided by law or unless the need to retain the data for a longer period arises in a justified case.
Except Broker, we only disclose your personal data to authorised employees and also, where applicable, to necessary service providers on the basis of processing contracts that meet the conditions of the GDPR, in such a way that your personal data is kept secure, and always only to the extent necessary to fulfil the individual processing purposes and on the basis of the corresponding legal grounds.
Other entities to which we may provide your personal data on the basis of a processing agreement include, but are not limited to, providers of server, cloud, CRM and other IT solutions, providers of accounting and tax services, providers of marketing and communication solutions and, in the case of Purpose C, social network operators.
In some cases, we may also process the personal data of third (natural) persons that you provide to us in connection with the performance of individual purposes, if such data is necessary for the performance, in accordance with applicable data protection legislation, our GDPR Policy and these GTC, which also govern the processing of your personal data. You expressly declare that you have obtained and have the valid consent of these third parties to process their personal data, including particularly sensitive personal data. You are obliged to inform us of the expiry of the validity of the third party consent within 7 days of such occurrence

You have the following rights in relation to our processing of your personal data:
- Right of access to personal data

This right means that you can request information from us at any time about whether or not we are processing personal data relating to you. If we do process such data, you have the right to request information about the purposes for which, to what extent and in what way we process this personal data, and you may request a copy of this data.

Right to rectification of inaccurate and completion of incomplete personal data

This right means that you can ask us to correct or complete your personal data at any time. We will carry out such a request without undue delay, subject of course to our current technical capabilities.

Right to erasure

This right means that if you request it, we will delete your personal data if: (i) it is no longer necessary for the purposes for which it was collected or otherwise processed, (ii) the processing is unlawful, (iii) you object to the processing and there are no longer any overriding legitimate grounds for processing your personal data, (iv) a legal obligation to process under European Union or national law has ceased, (v) you withdraw your consent to the processing of your personal data and there are no longer any grounds for processing it.

Right to restriction of processing of personal data

This right means that you can ask us to restrict the processing of your personal data. In such a case, we will make the personal data unavailable, temporarily delete or store it or carry out other processing operations to ensure the proper exercise of this right.

Right to data portability

This right means that you can ask us at any time to transfer personal data relating to you which are processed by automated means, on the basis of consent or contract, to a third party. If the exercise of this right would adversely affect the rights of others, we may not be able to comply with such a request.

Right to object

This right means that you can object to the processing of your personal data on the grounds of legitimate interest or for the purposes of marketing activities. If you object to processing for the purposes of marketing activities, we will stop processing your personal data. If you object to processing on the grounds of legitimate interest, we will first evaluate such objection and inform you of its resolution. If the objection is upheld, we will stop processing your personal data, but we may not be able to meet such objection.

Right to lodge a complaint about the processing of personal data

If you are dissatisfied with the processing of your request and the exercise of your right, you have the right to lodge a complaint with the supervisory authority – the Office for Personal Data Protection, website: www.uoou.cz, tel.: 234 665 111.

The right to withdraw consent to the processing of personal data to the extent that it has been granted

You may withdraw your consent at any time without giving any reason, by writing to our contact address, or by using our email address listed in the introduction to this GTC

Please note that our activities are bound by legislation imposing many obligations on us. We may significantly restrict or deny the exercise of any of the above rights with reference to legal obligations. In the case of manifestly unfounded, unreasonable or repeated requests, we may charge a reasonable administrative fee for the exercise of the right in question or refuse such a request in accordance with the law.

XIII. FINAL PROVISIONS

The rights and obligations not regulated by the Contract and these GTC are governed by Act No. 89/2012 Coll., the Civil Code and other generally binding legal regulations. In case of any questions, please also feel free to contact us directly via the email mentioned in the beginning of the GTC, we will be happy to answer everything.
The Contract and these GTC, which is an integral part of it, contain the complete agreement of the parties and supersede all previous agreements relating to the same subject matter.
The current version of the GTC is always available on the website. Our contact details are given on the website and in the beginning of the GTC.
Please note that the Contract may or may not be archived by us, in whatever form, but is not accessible to you, even upon request.

These GTC shall come into force and effect on 1. 1. 2025.

Finaram s.r.o.