Platím prstem Terms

1. Operator

The service is operated by Siberlogy s.r.o., Company ID 21294461, Olešnice 104, 517 36, Czech Republic ("we").

Contact: info@sibpay.cz or podpora@sibpay.cz.

2. What Platím prstem is

A prepaid wallet. You can use it only at merchants with a SIbPay terminal who are part of the Platím prstem network.

It is a limited network instrument under Section 3(3)(c)(4) of the Czech Payment System Act. It is not a bank account, a payment card or electronic money. The balance earns no interest.

3. Account

You create the account in the app with your e-mail and a password, or with your Google account. One account has one wallet. We do not ask for your name or a recovery code.

The app is for people aged 15 and over.

When signing up you agree to these terms. Without that you cannot create an account. Fingerprint consent is separate and voluntary (section 7).

4. Security

• You choose an app PIN after signing in. It unlocks the app and sensitive steps in it.
• We create the card PIN for the terminal. You see it in the app on the back of the card, after entering your app PIN.
• You unlock the app with your app PIN, or your phone's fingerprint or face if you turn it on.
• Signing in on a new phone is confirmed with a code sent by e-mail.
• After five wrong PINs in a row the app signs out on that phone.
• Sign-in expires after 30 days without use.
• For 24 hours after a password reset by e-mail code, sensitive steps are limited.

Never share your password or PINs. Tell us at once if you lose your phone or suspect misuse. You can see and sign out your phones in Settings, Devices.

5. Top-ups

You top up by bank transfer to our account with your wallet's variable symbol. The app shows a QR code for your banking app.

We credit the money once the transfer reaches our account.

You can top up at most 3,500 CZK per calendar month. A transfer over the limit is not credited and goes back to the account it came from.

We remember the account you top up from, for crediting and for any refund (section 8).

6. Payments

At the terminal you place your finger on the reader. You enter your card PIN on your first payment and for payments above 500 CZK. The terminal may also ask for it when it is not sure about the match.

You add a finger at the terminal: scan the QR code on the terminal screen with the app and place your finger.

You can always pay with the QR code on the terminal screen too, without a fingerprint.

The wallet works only at the merchant where you pay first, permanently. At other merchants the payment does not go through. Until your first payment it works at any merchant with a SIbPay terminal.

The merchant is responsible for goods and services. Complaints about goods go to the merchant.

7. Fingerprints

Your fingerprint is voluntary. Without it you pay with a QR code and the wallet works the same.

You consent to fingerprint processing with a separate checkbox, "I agree to the processing of my fingerprint. I am at least 15 years old.", when signing up or before adding your first finger. Without consent you cannot add a finger.

• What we process: templates computed from the fingerprint image on the terminal. Only the merchant's terminal captures your fingerprint. The image is discarded once the template is computed; only the research copy is kept.
• For recognition: to recognise you at the terminal and pay from your wallet.
• For research: copies without your name are used to improve fingerprint recognition, for at most 6 months.

You can withdraw consent at any time in the app (Fingers, Withdraw fingerprint consent). We then unlink your fingerprints from your account, paying with your finger stops working and research consent ends too. Your credit stays; you pay with a QR code. Copies with no link to you (no account, name, place or exact time) may be used for research until their period ends.

We keep fingerprints until you withdraw consent, delete the finger or the account, or 12 months without paying with that finger. Records of fingerprint payments (without the image) are kept for 12 months as evidence in case of a dispute.

Details are in the Privacy Policy.

8. Getting your balance back

The balance cannot be sent back to a bank account from the app.

You can ask for your balance back, with a reason, at info@sibpay.cz or podpora@sibpay.cz. We decide on the refund. We send the money to the account you topped up from.

If a merchant refunds a payment, the money goes back to your wallet.

9. Unused balance

The credit does not expire.

10. Fees

The account, top-ups, payments and refunds of your balance are free. We do not cover your bank's transfer fees.

11. Payment complaints

Report a wrong payment or top-up to info@sibpay.cz or podpora@sibpay.cz within 2 months. We reply within 30 days.

12. Ending the contract

You can delete your account at any time in the app (Settings, Delete account). If your wallet has a balance, the app does not delete the account; write to info@sibpay.cz and before deleting we return the balance to the account you topped up from.

We may block or close an account in case of misuse or breach of these terms. We then send the balance to the account it came from.

If we end the service, we announce it at least 2 months ahead and return your balance.

13. Changes

We announce changes in the app or by e-mail at least 1 month ahead. If you disagree, you can delete your account and we return your balance.

14. Law and disputes

Czech law applies.

Consumer disputes can be resolved out of court by the Czech Trade Inspection Authority (adr.coi.cz).