FlipKing Pro Platform Rules

1. Operator and Scope of the Rules

The Operator of the Platform is Maxim Ponomarenko, company ID (IČO) 73988146, VAT ID (DIČ) CZ8507074378, with place of business at náměstí Naděje 771, 566 01 Vysoké Mýto. These rules supplement the Terms and Conditions and are binding on all users from the moment of registration.

The rules apply to all user accounts on the Platform.

2. Basic Principles of Conduct

• Act honestly, truthfully and without intent to harm anyone.
• Respect other users — no insults, intimidation, discrimination or other forms of harassment.
• Do not publish content that conflicts with the laws of the Czech Republic or infringes the rights of third parties.
• Do not attempt to circumvent the Platform's security, AML or fraud-detection mechanisms.

3. Tip Publication Rules

Three types of digital content may be published on the Marketplace:

• TIP — a specific investment tip for a property (address, price, condition, owner contact, motivation for selling).
• ANALYZA — an analytical breakdown of a locality, segment or specific opportunity (without identifying the owner).
• BOUNTY — a reward for completing a specified task (e.g. finding the owner's contact details, verifying occupancy, title deed audit).

• Truthfulness: All property details (address, price, condition, contact) must correspond to reality and be verifiable.
• Authorisation: Publish a tip only if you have the right to distribute it — i.e. the property belongs to you, you have the owner's consent, or it is publicly available information that does not violate personal data protection.
• Originality: Copying tips from other sources (published listings from other real estate portals) without added value is prohibited.
• Photographs: Use only photographs to which you hold copyright or a licence.
• One property = one tip: Creating duplicates of the same property by different Tipsters is prohibited. The first duly published tip takes precedence.

4. Prohibited Content and Conduct

• Fictitious or speculative tips without a real basis.
• Offering properties that the Tipster is not authorised to broker.
• Circumventing the Platform — moving transactions outside it with the aim of avoiding the commission.
• Creating multiple accounts by a single natural person (multi-accounting).
• Manipulating ratings, fake reviews, coordinated trading between one's own accounts.
• Offering properties originating from criminal activity, money laundering, or violations of sanctions regimes.
• Publishing personal data of third parties without their consent (owner's name, telephone number, birth number).

5. Identity Verification and Fraud Prevention

Before the first sale of a tip and the activation of payouts via Stripe Connect, the Tipster is obliged to complete identity verification via Stripe Connect (the payment service provider performs KYC when payouts are connected) and pass the Stripe Connect KYC process. The obliged entity within the meaning of Act No. 253/2008 Coll. (AML) by virtue of providing payment services is Stripe Payments Europe, Limited as a licensed provider. The Operator applies identity verification, sanctions screening and monitoring of unusual behaviour as best-practice measures to protect users and is entitled to suspend a transaction upon reasonable suspicion. For details see Compliance and Fraud Prevention.

6. Pricing, Credits and Wallets

With effect from 14 May 2026, payments on the Platform are divided into two separate channels: (i) Marketplace payments (tips, bounties) are made directly via Stripe Checkout from the Buyer's payment card to the Tipster's Stripe Connect account; (ii) FK (FlipKredits) are an internal voucher issued by the Operator within a narrow, regulatorily defined network of services.

• Purchased FK (FlipKredits) serve exclusively as an internal voucher for paying for services provided by the Operator within a limited network under § 3(3)(c)(4) of Act No. 370/2017 Coll., on Payment Systems (Payment System Act), specifically: (i) ČÚZK (Cadastre) previews, (ii) Valuo property valuations, (iii) AI listing summaries. Purchased FK cannot be used to pay for digital content between users (tips, bounties), which is paid directly by payment card via Stripe Checkout.
• Historical balances (Earned and Legacy FK from the previous model) were merged into a single FlipKredit balance as of 14 May 2026 — they can be spent exclusively on the Operator's paid services (ČÚZK, Valuo, AI) and cannot be converted back into money.
• 1 FK = CZK 1. Purchased FK are subject to the multi-purpose voucher VAT regime (§ 15b of the VAT Act): the top-up itself is outside the scope of VAT (payment receipt under § 15b); 21% VAT is remitted only when FK are spent on a specific service of the Operator (tax document).
• Tipsters receive the remuneration for a sold tip directly to their connected account with Stripe (Stripe Connect Express). The Operator does not hold any internal Tipster balance. The Operator's commission is set by the Tipster's performance rank — 25% (NEWCOMER (NOVÁČEK)), 15% (VERIFIED (OVĚŘENÝ)), 8% (EXPERT), 3% (ELITE) — and is deducted automatically at the moment of the Buyer's payment (the payment is routed directly to the Tipster and Stripe splits it into the remuneration and the platform commission). An active paid subscription applies a 20% cap to this rate; it does not raise the commission or buy rank.
• The Buyer pays the Tipster the tip price + a 5% Buyer fee directly via Stripe Checkout (payment card). The total amount and the breakdown between the Tipster, the Operator and the Stripe fee are displayed to the Buyer before confirming the purchase.
• Refunds of Marketplace supplies (tip, bounty) are made exclusively via Stripe (payment refund) to the original payment instrument; refunds to the internal FK wallet are not performed. Refunds of Purchased FK top-ups (withdrawal from the contract within 14 days, complaints) are likewise made via Stripe to the original card — see Withdrawal Notice and Complaints Procedure.
• The Operator is entitled to hold back a payment or a transaction upon reasonable suspicion of fraud, a sanctions hit or structured splitting of transactions, until the situation is clarified, but no longer than for the period set by the AML Act; the obliged AML entity by virtue of providing payment services is Stripe Payments Europe, Limited.

7. Disputes and Complaints

A consumer may exercise rights arising from defective performance within the statutory period of 24 months (§ 2389a et seq. of the Civil Code). The procedure is governed by the Complaints Procedure. Disputes between Tipsters and Buyers are resolved by the Operator acting as an impartial intermediary (this is not mediation under Act No. 202/2012 Coll.); in the case of a justified complaint, the payment is refunded to the Buyer via Stripe to the original payment instrument (typically a payment card) and the corresponding amount is deducted from the offending Tipster by a reverse operation from their Stripe Connect account.

Out-of-court resolution of consumer disputes falls within the competence of the Czech Trade Inspection Authority (adr.coi.cz).

8. Sanctions for Breaching the Rules

In the event of a breach of these rules, the Operator may apply:

• A warning and a temporary restriction of account functions.
• Removal of a specific tip without compensation for the commission.
• Reduction or zeroing of the reputation score and the performance rank.
• Freezing of Stripe Connect payouts and the Purchased FK balance until the dispute is resolved.
• Immediate account termination in the event of a repeated or serious breach; in such a case the unspent Purchased FK balance is refunded via Stripe only after deduction of proven damages and unpaid obligations.
• Notification of the competent authorities upon suspicion of a criminal offence or a breach of the AML Act.

9. Reporting Violations

Report suspected rule violations or objectionable content via the "Report" button next to the specific tip or by e-mail to [email protected]. The Operator assesses reports without undue delay, within 7 calendar days; for priority categories (CSAM, terrorist content) immediately, no later than within 24 hours.

10. Changes to the Rules

The Operator is entitled to unilaterally amend these rules; users will be informed of material changes by e-mail or by an in-app notification at least 14 days before they take effect. The user has the right to reject the change and cancel their account.

Contact: [email protected].