Privacy Policy

Finanční Plánování s.r.o. ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, and disclose your personal information when you use our services, including our website (www.financniplanovani.cz) and related applications. This policy is effective as of January 1, 2026.

1. Information We Collect

We collect several types of information from and about users of our services, including:

• Personal Information: This includes your name, address, email address, phone number, date of birth, national identification number (Rodné číslo - used only for regulatory compliance), and financial information such as income, assets, and investment preferences. We collect this information when you register for our services, complete forms, or otherwise interact with us.
• Financial Information: We collect data related to your current financial situation, including salary, debts, assets, and investment history. This allows us to tailor financial advice to your specific needs.
• Demographic Information: Information such as age, gender, location, and language preferences, which helps us understand our user base and improve our services.
• Usage Data: Information about how you use our services, including the pages you visit, the features you use, and the links you click. We collect this data using cookies, web beacons, and other tracking technologies.
• Device Information: Information about the device you use to access our services, including the device type, operating system, browser type, and IP address.
• Cookies and Tracking Technologies: We use cookies and similar tracking technologies to collect information about your browsing behavior. You can control cookies through your browser settings. Refer to our Cookies Policy for more information.

2. How We Use Your Information

We use your information for various purposes, including:

• Providing and Improving Services: We use your information to provide you with personalized financial advice, process transactions, and improve our services.
• Personalization: Tailoring content and offers to your interests and preferences.
• Communication: Sending you important updates, notifications, and marketing communications. You can opt-out of marketing communications at any time.
• Compliance: Complying with legal and regulatory requirements. For example, we use the Rodné číslo to comply with Czech regulations for financial advisors.
• Research and Analytics: Analyzing user behavior to improve our services and develop new features.
• Security: Protecting our services and users from fraud and abuse.

3. Sharing Your Information

We may share your information with:

• Service Providers: We share information with third-party service providers who help us provide and improve our services, such as payment processors, data analytics providers, and marketing agencies. These providers are contractually obligated to protect your information.
• Financial Institutions: We may share your financial information with banks, investment firms, and insurance companies to facilitate transactions and provide financial advice. We will only do this with your explicit consent.
• Legal Authorities: We may disclose your information to legal authorities if required by law or legal process.
• Business Transfers: In the event of a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred to the acquiring entity.

4. Data Security

We take reasonable measures to protect your information from unauthorized access, use, or disclosure. These measures include:

• Encryption: We use encryption to protect your information in transit and at rest.
• Access Controls: We restrict access to your information to authorized personnel only.
• Security Audits: We regularly conduct security audits to identify and address vulnerabilities.
• Employee Training: We train our employees on data security best practices.
• Secure Socket Layer (SSL): Protecting data during transmission with SSL encryption.
• Regular Backups: Maintaining regular data backups to prevent data loss.

However, no method of transmission over the internet or method of electronic storage is completely secure. Therefore, we cannot guarantee the absolute security of your information.

5. Your Rights

You have the following rights regarding your personal information:

• Access: You have the right to access the personal information we hold about you.
• Rectification: You have the right to correct inaccurate or incomplete personal information.
• Erasure: You have the right to request the deletion of your personal information, subject to certain exceptions.
• Restriction of Processing: You have the right to restrict the processing of your personal information in certain circumstances.
• Data Portability: You have the right to receive your personal information in a structured, commonly used, and machine-readable format and to transmit it to another controller.
• Objection: You have the right to object to the processing of your personal information in certain circumstances.
• Withdraw Consent: If we are processing your personal information based on your consent, you have the right to withdraw your consent at any time.

To exercise these rights, please contact us at the address provided below.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy, unless a longer retention period is required or permitted by law. Financial data is usually kept for 5 years to fulfill regulatory requirements of the Czech National Bank (Česká národní banka).

7. International Data Transfers

Your information may be transferred to and processed in countries outside of the Czech Republic. We will take appropriate measures to ensure that your information is protected in accordance with this Privacy Policy and applicable law.

8. Children's Privacy

Our services are not directed to children under the age of 16, and we do not knowingly collect personal information from children under the age of 16. If we become aware that we have collected personal information from a child under the age of 16, we will take steps to delete it.

9. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. We will post any changes on our website and notify you of any material changes. Your continued use of our services after the effective date of the revised Privacy Policy constitutes your acceptance of the changes.

10. Contact Us

If you have any questions or concerns about this Privacy Policy, please contact us:

Finanční Plánování s.r.o.
Revoluční 1234/5
110 00 Praha 1
Czech Republic
Email: privacy@financniplanovani.cz
Phone: +420 605 582 631
Data Protection Officer: Ing. Jana Novotná