Notice on Withdrawal from the Contract
Effective from 15 July 2026. This English version is for convenience only — the Czech version (/cs/odstoupeni) is the legally binding text per CZ law.
0. Stripe refund (from 14 May 2026)
Upon withdrawal from the contract within the 14-day period under Section 1829 of the Civil Code, the amount is refunded via Stripe to the Buyer's original card. The refund appears within 5–10 business days. If a tax document was issued for the performance, the Operator issues a corrective tax document (credit note) under Section 42 of the VAT Act; for an unspent FK top-up (payment receipt, outside the scope of VAT under Section 15b of the VAT Act), the full amount is refunded without a credit note.
A top-up of Purchased FK is, within the scope of Section 1837(l) of the Civil Code, refundable only if no FK from the given top-up tranche have been spent. After the first spend (i.e. after a tax document for the usage is issued), the digital performance has commenced, the contract for digital content has been performed pursuant to Section 1837(l), and withdrawal can no longer be exercised for the consumed portion.
1. Who is entitled to withdraw
A consumer (a natural person not acting within the scope of their business activity or independent exercise of a profession) has, under Section 1829 of the Civil Code, the right to withdraw from a contract concluded at a distance without giving any reason within 14 days from the day following the day the contract was concluded. The period is preserved if the consumer dispatches the notice of withdrawal to the Operator within that period.
With effect from 14 May 2026, payments are split into two channels: (i) marketplace purchase of tips, bounty takes place directly via Stripe Checkout (payment card) — for withdrawal see Section 3 below; (ii) top-up of Purchased FK as an internal voucher for a narrow range of the Operator's services (ČÚZK previews, Valuo valuations, AI listing summaries) — for withdrawal see Section 2 below. This notice corresponds to the arrangement in the Terms and Conditions Sections 9.1–9.4, where the arrangement is bindingly agreed.
2. Withdrawal from a Purchased FK top-up (Section 9.1 T&C)
For Purchased FK from a tranche from which nothing has yet been spent (credits topped up via Stripe top-up intended for the Operator's services — ČÚZK previews, Valuo valuations, AI listing summaries), the Buyer who is a consumer has the right to withdraw from the voucher acquisition contract within 14 days of the top-up (Section 1829 of the Civil Code). By spending FK from a tranche, the digital content is delivered to the extent of the spending and the right of withdrawal in respect of that tranche lapses (Section 1837(l) of the Civil Code). The unspent balance is also refunded upon account cancellation (see § 13 of the Terms and Conditions). Purchased FK constitute a multi-purpose voucher under Section 15b of the VAT Act — VAT is remitted only upon spending (via the usage tax document), so withdrawal from an unspent voucher refunds the full amount including VAT without the need to issue a separate VAT credit note.
The refund is made via Stripe (payment refund) to the original payment instrument (the card used to pay for the top-up) within 14 days of receipt of the notice, and the Purchased FK wallet is debited by the same amount. No refund to the internal wallet is made.
3. Withdrawal from a tip purchase (digital content) (Section 9.2 T&C)
A tip, an analytics output and a bounty submission are digital content delivered immediately upon unlocking / confirmation of purchase, not supplied on a tangible medium. Before unlocking, the Buyer expressly, in the interface:
- Requests the commencement of performance before the expiry of the withdrawal period;
- Acknowledges that, pursuant to Section 1837(l) of the Civil Code, the right to withdraw from the tip purchase contract thereby expires at the moment the digital content is made available;
- Receives confirmation of this consent by e-mail (Section 1824a in conjunction with Section 1822(2) of the Civil Code).
This exception does not apply if the tip is defective — in that case, the procedure follows the Complaints Procedure (Section 2389a et seq. of the Civil Code, 24-month period).
4. Tipster rewards — Stripe Connect (Section 9.3 T&C)
The Tipster receives the reward for a sold tip directly to their own Stripe Connect account (Express). This payment does not constitute digital content purchased by the Tipster from the Operator, but performance arising from the intermediation of the distribution of digital content to the Buyer (Section 14 of the VAT Act — taxable supply of the Tipster; Section 9 et seq. of the VAT Act — place of supply).
The Tipster therefore does not have the right to a 14-day withdrawal under Section 1829 of the Civil Code in respect of these rewards. In the event of a justified complaint by the Buyer, Stripe carries out a reverse operation on the Tipster's Stripe Connect account in accordance with the rules of the Complaints Procedure Section 5.
5. Historical balances (Earned and Legacy FK)
Historical balances of the previous wallets (Earned and Legacy FK) were, as of 14 May 2026, merged into a single FlipKredits balance, spendable on the Operator's paid data services (ČÚZK, Valuo, AI). No payout or refund took place as part of the transition. After 14 May 2026, these separate wallets do not exist; the merged balance is subject to the rules for Purchased FK.
For defects in performance that was historically paid from Legacy or Earned FK, the consumer fully retains the right arising from defective performance under Section 2389a et seq. of the Civil Code (see the Complaints Procedure) — the refund is made via Stripe to the original payment instrument.
6. Refund after a complaint (Section 9.4 T&C)
In the event of a justified complaint, the refund is made exclusively via Stripe (payment refund) to the original payment instrument (the card from which the payment was made). A corrective tax document (credit note) under Section 42 of the VAT Act is issued automatically and sent to the Buyer by e-mail. The details of the mechanics (Marketplace performance vs. Purchased FK top-up, proportional reduction in the event of partial consumption, 3 business days for initiation + 2–7 business days for the bank) are governed by the Complaints Procedure Section 5.
7. How to withdraw
Send the notice of withdrawal by an unambiguous expression of will (any channel, provided it allows identification of both the consumer and the contract):
- By e-mail to [email protected] (preferred).
- In writing to the place of business address: Maxim Ponomarenko, náměstí Naděje 771, 566 01 Vysoké Mýto.
You may use the model form below or download the PDF version: withdrawal form. Use of the form is not mandatory; any unambiguous notice is sufficient.
8. Consequences of withdrawal
The Operator shall return to the consumer all monies received corresponding to the exercised withdrawal (typically Purchased FK from a tranche from which nothing has been spent) without undue delay, no later than within 14 days of receipt of the withdrawal, using the same method by which they were received, unless the consumer specifies otherwise. The refund shall not incur any additional costs for the consumer.
The Operator is not obliged to return funds corresponding to performances for which the right of withdrawal has expired (Section 1837(l) of the Civil Code — digital content made available, whether the Operator's services paid with Purchased FK or tips paid via Stripe Checkout; the Tipster's Stripe Connect rewards). For these performances, the complaint or disputed payment review procedures under the applicable rules apply (payment refund via Stripe to the original payment instrument).
9. Model withdrawal form
The form is based on Annex No. 1 to the model withdrawal form (Government Regulation No. 29/2023 Coll.) (adapted for digital content). The PDF version is available for download: withdrawal form.
Addressee: Maxim Ponomarenko náměstí Naděje 771, 566 01 Vysoké Mýto E-mail: [email protected] Notice of withdrawal from the contract I hereby give notice that I withdraw from the contract for: [ ] a top-up of Purchased FK (a tranche with no spending — Section 1829 Civil Code) [ ] other performance (specify): _______________________________ Does not apply to: digital content already made available (Section 1837(l) Civil Code — activated ČÚZK preview, Valuo valuation, AI summary, downloaded tip, etc.) or the Tipster's Stripe Connect rewards (Section 9.3 T&C). Date of conclusion of the contract / top-up: _________________________ Transaction / order ID: _______________________________ Amount of withdrawal in FK / CZK: _______________________________ Consumer's first and last name: ____________________________ Consumer's address: _____________________________________ FlipKing Pro account e-mail: _____________________________ Consumer's signature (only if this form is sent on paper): _________________________________________________________ Date: _________________________________________________
10. Out-of-court dispute resolution
In the Czech Republic, the body competent for the out-of-court resolution of consumer disputes is the Czech Trade Inspection Authority (Česká obchodní inspekce) as the out-of-court dispute resolution entity under Act No. 634/1992 Coll. The European ODR platform was abolished by Regulation (EU) 2024/3228 (operation discontinued on 20 July 2025); consumers from other EU Member States may contact the network of European Consumer Centres (ECC Czech Republic).