Terms & conditions
1. Definitions
Capitalized words and phrases used in these General Terms and Conditions have the following meaning:
Application - the Company's mobile application called "Patron GO", through which expenses on the User's bank account are monitored, and in the event a potentially excessive expense, a possible risk related to a missing product or service, or an opportunity to receive an additional Reward is detected, the User is also notified via the Application (banners, display of specific opportunities directly in the Application, notifications). The User may also be notified by SMS, e-mail, or by phone.
Company - Antivirus s.r.o., Company ID: 08872848, with registered office at Inovační 122, Hodkovice, 252 41 Zlatníky-Hodkovice, registered in the Commercial Register maintained by the Municipal Court in Prague, Section C, Insert 325903. Service provider and operator of the Application.
Payment Account - the User's payment account maintained by a provider other than the Company (a credit institution or a provider of services connected with a payment account).
Finbricks Terms - the commercial terms under which Komerční banka, a.s. (the Finbricks Interface Provider) provides the account information service. The current version is available in the Application.
Finbricks Interface Provider - Komerční banka, a.s., with registered office at Praha 1, Na Příkopě 33 čp. 969, postal code 114 07, Company ID: 45317054, registered in the Commercial Register maintained by the Municipal Court in Prague, Section B, Insert 1360.
Interface - the user interface for connecting the Payment Account to the Application, based on the User's consent granted to the Finbricks Interface Provider.
Final Provider - an independent, standalone person who potentially enters into a final agreement for a specific service with the User, without the Company's involvement.
Specialist - an independent, standalone person who acts as an intermediary for a final agreement potentially concluded between the User and the Final Provider, without the Company's involvement.
Partner - a third party (e.g., a provider of telecommunications, energy, financial, or other services) whose products or services may be presented in the Application, or to whose website or digital process the User may be redirected.
Partner Offer - an offer of a product or service from a Final Provider displayed to the User in the Application (in the form of an opportunity or banner), available generally or as a discounted offer for Patron GO Users.
Services - any performance provided by the Company to the User in connection with the use of the Application or on the basis of these Terms; in particular, the account information payment service under the Act provided by the Finbricks Interface Provider. Services do not include performance provided by Specialists or Final Providers.
Arrangement Status (Conversion Status) - information as to whether the User has completed, with a Final Provider, Partner, or Specialist, a specific step in arranging/activating a service (ordering, commencement of provision, cancellation, withdrawal), to the extent necessary for evaluating the cooperation and crediting the Reward.
Account - the User's account established by the Company in the Application; this is not the Payment Account.
Payment Account Data - information about the Payment Account (in particular data on payment transactions) that the Company obtains from the Finbricks Interface Provider on the basis of the User's consent.
User - a person using the Application in order to use the Services.
Terms - these General Terms and Conditions.
Act - Act No. 370/2017 Coll., on Payment Services, as amended.
Device - the device through which the Application or Services are used (in particular a mobile phone or tablet).
Personal Data Protection Policy - the document governing the rights and obligations of the Company and the User in processing the User's personal data, including Payment Account Data.
Reward - a virtual currency with which the Application rewards the User for completing opportunities and tasks in the Application. Once a specified amount is reached, it can be redeemed for a product, a service, or exchanged for a monetary amount. Each Reward credited to the Patron Wallet is valid for 12 calendar months from the date of crediting; after this period it automatically expires.
Patron Wallet - a section within the Application for storing Rewards obtained by the User. It is activated by connecting a current account at the specific bank indicated in the Application. Once activated, the User can exchange and withdraw Rewards by transferring them to the connected bank account, from the minimum amount set in the Application.
2. Introductory Provisions
2.1. These Terms set out the conditions and manner of provision of the Services by the Company. The conditions for the account information service under the Act are governed by the Finbricks Terms.
2.2. By accessing and using the Application, the User expresses consent to these Terms. In the event of non-consent, the User is not entitled to use the Application or access it in any way. These Terms replace any prior arrangements.
2.3. By expressing consent to these Terms, the User declares that they are not a politically exposed person under Section 4(5) of Act No. 253/2008 Coll. If the User does not meet this condition, they are obliged to inform the Company without undue delay at support@patrongo.com.
2.4. These Terms are available at www.patrongo.com/podminky-sluzby.
3. Description of the Application
3.1. The Application automatically searches Users' payment transactions for statistically excessive expenses, possible risks, or opportunities to obtain an additional Reward, and notifies the User of them.
3.2. If the User assesses a flagged expense as subjectively excessive, the Application allows the User to express interest in an offer of alternative products or services of a certain type. The Application continuously updates excessive expenses and covers the User's entire household shopping basket.
3.3. The Application allows Specialists or Final Providers to register in the Application and to apply to be matched with a User who has expressed interest in an alternative. The Application and the Company do not interfere in the dealings between the parties.
3.4. The Application is limited to connecting the User with a Specialist/Partner/Final Provider and does not include any direct or indirect recommendation of a specific product, service, or provider.
3.5. The Application provides general information, automated outputs, and personalized suggestions based on available data. This information does not constitute individual investment, credit, or other financial advice. Patron GO does not provide regulated financial services or binding recommendations to conclude a specific product or service.
3.6. With respect to Specialists, the Application allows the invitation of their clients through a chain of invitations. A User invited by a Specialist is automatically assigned to that Specialist; the same applies to Users invited through a subsequent chain of invitations.
3.7. The Application does not have a function for sending or receiving payments. It passively views Payment Account Data for the purpose of analysis and evaluation of potentially excessive expenses. The period for which the Payment Account may be viewed does not exceed 24 months retroactively. The User's funds are not entrusted to the Company.
3.8. The Application's backend technology is built on Java and communicates via a secured protocol with the mobile applications for Android and iOS.
4. Use of the Application
4.1. The Application can be downloaded via Google Play and the App Store.
4.2. Registration is required to use the Application. Before registering, the User is required to review these Terms and the Personal Data Protection Policy and express consent to them. Without such consent, the User is not entitled to use the Application.
4.3. Registration can be carried out in the following ways:
- E-mail registration - the User enters an e-mail address, chooses a password, and clicks the Register button.
- Google registration - the User logs in with their Google account.
- Facebook registration - the User logs in with their Facebook account.
- Apple ID registration - registration takes place via Apple ID.
Upon registration, a contractual relationship is established between the User and the Company.
4.4. During the registration process, the User is invited to connect Payment Account Data in three ways:
- 4.4.1. Manually - the User selects the Enter payments manually option and enters information about payment transactions using predefined categories (life insurance, mortgage, electricity, rent, etc.).
- 4.4.2. Automatically - the User is redirected to a screen describing the Finbricks service, selects their bank, logs into online banking, and selects the Payment Account. Synchronization occurs through a direct connection between the Finbricks Interface Provider and the bank's API.
- 4.4.3. Connect account later - the User continues registration without connecting an account.
4.5. After connecting the Payment Account, the User enters identifying information (form of address, age, gender, phone number, postal code) and performs a first scan of payment transactions. The result is a list of detected excessive expenses, possible risks, or Reward opportunities. The Company does not guarantee the detection of any expense or risk in every scan performed.
4.6. Scanning can be set to manual or automatic mode. Automatic triggering requires the automatic connection method under Article 4.4.2.
4.7. For a Payment Account connected automatically, the Company has continuous access for the duration of the consent granted to the Finbricks Interface Provider, in a passive viewing mode, to the extent necessary. Providing information on payment transactions is a necessary condition for the provision of the Services.
4.8. Within the Application, the User may be shown information about excessive expenses and possible risks, meaning payment transactions preliminarily assessed by the Application as disadvantageous.
4.9. After detecting an excessive expense, risk, or opportunity, the Application offers the User the option to be redirected to a chat, where a chat bot asks general questions and communication with a Specialist takes place. The User may initiate a chat with a Specialist at any time by clicking the chat icon. Other means of communication are a phone call and e-mail. For opportunities resolvable online, the User is shown a hyperlink to an external service without the need to communicate with a Specialist.
4.10. By registering, the User agrees that the Company may, for the purpose of achieving savings, optimizing a financial product, or obtaining a Reward, disclose the User's personal data to Partners and cooperating third parties. The current list of the main cooperating third parties includes in particular: INVENTI Development s.r.o., Liberty Choice s.r.o., Liberty Finance s.r.o., Finance-Luc s.r.o., Finance-Hypo-Luc s.r.o., and BigHub s.r.o. The User has the right to withdraw this consent at any time.
4.11. Connection of the User with a Specialist depends on the current workload of Specialists, and the Company does not guarantee such connection. The process may lead to the conclusion of a final agreement with a Final Provider.
4.12. A User invited by a Specialist is automatically assigned to that Specialist. The User always initiates the connection with the Specialist themselves - by clicking the Resolve button on an opportunity marked as an excessive expense or possible risk. The User is entitled to end communication with the Specialist at any time or report comments to support@patrongo.com. The Company is not responsible for the Specialist's conduct or the content of the final agreement.
4.13. After concluding a final agreement with a Final Provider, the User is asked to rate the Specialist in the Application. No agreements or documents relating to the User–Specialist relationship are stored in the Application (except for documents shared via chat).
4.14. The User remains logged into their Account even during periods of inactivity. To log out, the User should use the relevant button in the Application or send a request to support@patrongo.com.
4.15. If the Specialist who invited the User logs out of the Application, no other Specialist will be assigned to the User. Any proactive resolution of financial products through the Application will then automatically refer to the original (now inactive) Specialist.
4.16. Deleting the Application from the Device does not delete personal data or the Account. The User can cancel the Account directly in the Application, in profile editing, with the “Cancel account” button; the Company deactivates the Account immediately after confirmation and deletes it within three working days. A User who no longer has the Application can request deletion of personal data or the Account at support@patrongo.com.
4.17. The User is expressly prohibited from behaving in the Application in a vulgar, offensive, racist, xenophobic, homophobic, or otherwise inappropriate manner. In the event of a violation, the Company is entitled to deny the User access to the Application.
4.18. The Company recommends using the Application on a Device secured against unauthorized access (PIN code, fingerprint, Face ID, etc.).
5. Other Rights and Obligations
5.1. The User is obliged to use the Application and Services exclusively in accordance with applicable law and these Terms.
5.2. The User is entitled to use the Application on their Device solely for private, non-commercial purposes.
5.3. The User does not acquire any proprietary or intellectual property rights to the Application. In particular, the User is not entitled to reproduce, modify, distribute, license, rent, sell, transfer, create derivative works, publicly display, transmit, or otherwise use the Application and Services in ways not expressly permitted by these Terms.
5.4. The User is not entitled to grant access to the Application to another person through their Account, unless that person is entitled to dispose of the Payment Account connected to the Application.
5.5. If the User provides the Company with any textual, audio, or visual content or information, the User:
- acknowledges that the content must not be defamatory, offensive, hateful, violent, immoral, pornographic, or unlawful, and that the Company is entitled to control such content and remove it from the Application;
- grants the Company a license to reproduce, modify, copy, distribute, create derivative works from, publicly present, and otherwise use such content - permanent, irrevocable, transferable, and free of charge, with the right to grant sublicenses;
- warrants that they are fully entitled to use such content and that the grant of the license does not violate the rights of third parties or applicable law.
5.6. The User is not entitled to assign any claim against the Company arising in connection with these Terms or the use of the Application or Services.
5.7. The Company may reward the User for connecting a Payment Account to the Application by crediting a Reward to the Patron Wallet - in particular for completing the connection, completing a tutorial, filling out a survey, connecting with a Specialist, or fulfilling an opportunity. This Reward is not an unauthorized inducement causing a conflict of interest, is funded exclusively from the Company's own resources, and is provided on the same terms to all Users. The Company is entitled to withhold the Reward in case of suspected abuse or fraud.
6. Consumers
6.1. The following information is provided to a User who is a consumer:
- The cost of means of distance communication does not differ from the standard rate; the Company does not charge any additional fees.
- Neither before nor after using the Application does the Company require any payment from the User (this does not apply to payments requested by Partners or Final Providers, for which the Company is not responsible).
- The contractual relationship is concluded for an indefinite period, with a notice period of two months on the part of the Company and no notice period on the part of the User.
- A User who ends use of the Application or requests deletion of personal data is not obliged to pay any costs.
- A consumer is entitled, under Section 1829 et seq. of the Civil Code, to withdraw from the contract within 14 days of its conclusion without giving a reason; the User may terminate the contractual relationship at any time without giving a reason and without a notice period.
- In the event of dissatisfaction with the Services, the User has the option of filing a complaint with the Czech Trade Inspection Authority (ČOI); this does not affect the right to go to court.
- The Company's performance does not concern goods; the provisions of the Civil Code on defects in goods do not apply to defective performance.
7. Limitation of Liability
7.1. The User acknowledges that, on the basis of using the Application, they may interact with Specialists, Partners, and Final Providers.
7.2. Specialists, Partners, and Final Providers are independent, standalone entities, are not in an employment or similar relationship with the Company, and the Company has no influence over their conduct.
7.3. The Company bears no liability whatsoever for the conduct of Specialists, Partners, or Final Providers. In particular, the Company does not guarantee and is not liable for:
- connection with a specific Specialist or the speed of that Specialist's response;
- the User's decision to conclude a final agreement with a Partner or Final Provider;
- guarantees made by Specialists, Partners, or Final Providers;
- the timeliness, quality, suitability, availability, and flawlessness of their performance;
- any harm arising in connection with their conduct or performance;
- harm arising from the absence of a required license on the part of a Specialist;
- the return of monetary payments made by the User to a Final Provider.
7.4. The Company is not liable for the User's access to a data network, for any fees related to the use of a data network, or for the hardware or software of the User's Device.
7.5. The User acknowledges that use of the Application may be affected by malfunctions as a natural consequence of the use of a data network and electronic communication.
7.6. The Company does not guarantee that the Application or Services will be available continuously 24/7 or fully functional throughout the entire period of availability.
7.7. The User acknowledges that using the Application involves a certain degree of risk, accepts that risk, and undertakes to take reasonable steps to exclude or limit any harm.
7.8. The Company bears no liability in the event of misuse of the User's login credentials by an unauthorized person; in such a case, the Company is entitled to cancel the User's Account without compensation. If such misuse is caused by the User's own fault, the User shall compensate for any resulting harm.
7.9. In the event of an insured event covered by the insurance of the Finbricks Interface Provider under an insurance contract concluded on the basis of the Act (or PSD2, as applicable), the User has the right to compensation in the amount and scope determined by the Act, the insurance contract, and the relevant insurance terms.
7.10. The Company is not liable for the conduct of the Finbricks Interface Provider toward the User. The liability of the Finbricks Interface Provider is set out in the service agreement between the Company and the Provider.
8. Complaints Procedure
8.1. The Company is responsible for the flawlessness of the Services provided at the time of their provision. The Services are defective if they are not provided in accordance with these Terms.
8.2. The User is obliged to notify the Company of a defect without undue delay after discovering it, and no later than six months from the date the Service was provided.
8.3. A defect must be reported by e-mail to support@patrongo.com. The User is obliged to identify the defect and describe how it manifests.
8.4. The User is not entitled to raise a defect of which they were aware before the Service was provided, or which was caused by their own conduct.
8.5. In the event of a defectively provided Service, the User has the right to have the defect remedied. If the defect cannot be remedied, the User is entitled to withdraw from the contract.
8.6. The Company is obliged to resolve the complaint no later than 30 days from the day the defect was reported. The Company shall inform the User of the outcome at the e-mail address from which the report was sent.
8.7. The User submits complaints and suggestions electronically to support@patrongo.com; the Application may also be rated on the App Store or Google Play.
9. Other Provisions
9.1. The Company may process anonymized data from the use of the Application for the purpose of publishing statistics and further development.
9.2. The User agrees that the Company is entitled to send commercial communications about news related to the Application and other products. Such communications can be declined at any time (via the unsubscribe link in the e-mail footer or in the Application's settings). The Company may send non-personalized notices and refer to a Partner Offer via notifications, e-mail, or SMS.
9.3. The Company is entitled to unilaterally change the content of these Terms at any time. It shall notify the User of the change via the Application or to the registration e-mail address, in advance of the effective date.
9.4. Changes to the Terms take effect on the date determined by the Company. Clicking the relevant button or continuing to use the Application after the effective date of the change is considered an expression of consent. If the User does not agree with the changes, they are entitled to reject them and to terminate the Terms free of charge with immediate effect.
9.5. The User is entitled to end the use of the Application at any time, without giving a reason and without a notice period. The Company is entitled to terminate the contractual relationship with a notice period of two months, beginning on the first day of the month following the month in which the notice was delivered. In exceptional circumstances (money laundering, terrorist financing, freezing of financial assets, prevention of criminal activity), the Company is entitled to terminate the contractual relationship without prior notice.
9.6. Processing of personal data by the Company is governed by the Personal Data Protection Policy. Processing by the Finbricks Interface Provider is governed by the documents published at www.kb.cz/cs/ochrana-osobnich-udaju.
9.7. All notices relating to these Terms must be in written form, in the Czech language, and delivered by the User via the Application or to support@patrongo.com.
10. Transfer of Conversion Status from a Partner
10.1. If the User clicks Resolve (or a similar confirmation) and is redirected to a Partner's website or digital process, the User acknowledges and agrees that:
(i) The Company may transfer to the Partner a technical identifier (e.g., a referral ID) and the data necessary to evaluate the arrangement, in particular the IBAN of a newly connected or newly opened account, if that account was opened on the basis of an opportunity or prompt in the Application - solely for the purpose of identifying the arrangement and evaluating entitlement to the Reward.
(ii) The Partner may transfer to the Company the Arrangement Status (Conversion Status) to the extent necessary for:
- measuring the success of the cooperation,
- preventing fraud and abuse of Rewards,
- crediting the Reward to the Patron Wallet,
- customer support.
The Conversion Status may include information about ordering, activation, commencement of provision, or any cancellation or withdrawal. The parties shall transfer only the data necessary for the stated purposes.
11. Consumer Competition
11.1. Competition Rules
The competition takes place within the Patron GO mobile Application. The rules are as follows:
- Each User may participate in the Daily Challenge for Rewards once every 24 hours.
- The Daily Challenge assigns a random Reward amount in Czech crowns, generated automatically by the Application's system. The Reward amount may be as low as CZK 0; the maximum amount per single attempt is CZK 100.
- The User also earns a Reward for resolving opportunities in the Earn category (the amount is shown in the details of the relevant opportunity).
- The User may earn a Reward of CZK 200 for each invited User, provided that the invited User:
- uses the User's referral code during registration,
- connects a bank account that has not previously been registered in the Application.
The User will receive the Reward only for a real User who fully registers and meets all conditions under Article 12.4 of these Terms. The operator reserves the right to conduct a manual review; in the case of duplicate registrations or e-mail addresses created solely to obtain the Reward, the Reward will be deducted retroactively.
11.2. Transfer of the Reward
- Rewards may be withdrawn by transfer to the bank account connected to the Application, from the minimum amount set in the Application, by clicking the Withdraw Money button. The account must be held in the User's name.
- Funds are transferred within 4 business days of confirming the withdrawal. Once confirmed, the transaction cannot be cancelled and the funds cannot be returned to the Patron Wallet.
- Rewards not used within 12 calendar months of crediting automatically expire.
- Rewards that have not reached the minimum withdrawal amount shown in the Application when the Account is cancelled expire upon cancellation. Rewards that have reached this amount may be paid out at the User's request before the Account is cancelled.
- If the User does not meet the conditions for crediting a Reward, they will receive a request to complete the missing information. If the User does not respond within 30 calendar days, the conditions are deemed not to have been met and the Reward is withdrawn.
12. Program Rules: Get CZK 200
12.1. A successfully registered User may invite other people to register with Patron GO.
12.2. For each invited User who successfully and fully registers, the User is entitled to a Reward of CZK 200 credited to the Patron Wallet.
12.3. Each invited User also receives CZK 200 in their Patron Wallet upon successful registration.
12.4. A successful and full registration means a User who has completed the entire registration process, including phone number verification, and has an actively connected bank account that is unique within the Patron GO system. An actively used bank account is one on which at least 100 records can be found in the transaction history over the preceding 6 months, counting back from the date the account was connected.
12.5. The User receives the Reward to an activated account at the selected banking institution within 4 business days of clicking the Withdraw Money button.
12.6. The User may invite other Users in two ways:
- By creating their own link directly in the Application, shared via social media, e-mail, etc.
- By granting access to their phone contacts and sending SMS invitations directly from their phone (charges may apply according to the User's rate plan).
12.7. The registration progress of invited Users can be tracked in the Application in real time.
12.8. The program also includes a general overview of overall statistics regarding invited Users.
12.9. The operator reserves the right to conduct a manual review of every credited Reward.
12.10. If the operator determines that a User has received Rewards for behavior that does not correspond to standard use, it reserves the right to withdraw them.
12.11. Participation in this program requires legal age and full legal capacity under Section 30 of the Civil Code.
Standard user behavior means ordinary use of the Application and use of all of its functions.
Non-conforming behavior means, in particular: purposefully created and repeatedly deleted registrations, registrations that do not correspond to real Users, repeatedly connecting the same bank accounts of the same Users, or splitting several accounts with the same owner across multiple registrations.
13. Final Provisions
13.1. These Terms, as well as all legal relationships arising between the Company and the User, are governed by the laws of the Czech Republic. All disputes shall be finally decided in civil court proceedings before the general courts of the Czech Republic.
13.2. This version of the Terms takes effect on 18 June 2026. Upon the effective date of a newer version of these Terms, any earlier version automatically ceases to be effective.
Operator: Antivirus s.r.o. | support@patrongo.com | www.patrongo.com
