# Figet.ai - Intelligent Family Budget Planning, Cash Flow & Financial Health
> Modern progressive web application (PWA) for forward-looking personal and family financial planning, zero-knowledge AES-256 client-side encryption, and private AI financial analysis powered by Google Vertex AI & Gemini on EU servers.

## Overview
- **Brand Name:** Figet (Figet.ai)
- **Website:** https://figet.ai
- **Web App Portal:** https://app.figet.ai
- **Operator:** FLOXEE s.r.o. (Nové sady 988/2, Staré Brno, 602 00 BRNO, Czech Republic, Company ID / IČO: 24517593, VAT / DIČ: CZ24517593)
- **Contacts:**
  - Customer Support: support@figet.ai
  - General & Billing Inquiries: info@floxee.io
  - Product Feedback: feedback@figet.ai
- **Free Trial:** 7 days full access without entering a credit card.
- **Platforms & Availability:** Currently available immediately as a modern Progressive Web App (PWA) for mobile (iOS Safari, Android Chrome — Add to Home Screen) and full desktop browser version without store downloads. Native mobile apps for Apple App Store (iOS) and Google Play (Android) are in development and coming soon.
- **Referral Program:** Users can invite friends via a unique link; invited friends receive an extended 14-day free trial, and the referrer receives 1 month free for each activated subscription (up to 5 months free).

## Pricing Plans
- **Czech Republic (CZK, incl. VAT):**
  - **Standard Plan (Tarif Standard):** 149 CZK / month · 1,490 CZK / year (Saves 298 CZK, 2 months free — for individuals, all 16 app modules, Financial Health evaluation, encrypted cloud backup, 100 AI queries / month)
  - **Duo Plan (Tarif Duo):** 199 CZK / month · 1,990 CZK / year (Saves 398 CZK, 2 months free — for couples & families, 2 separate accounts with shared household workspace and advanced income options)
- **International (EUR, incl. VAT):**
  - **Standard Plan:** 6 € / month · 60 € / year (2 months free on annual billing)
  - **Duo Plan:** 8 € / month · 80 € / year (2 months free on annual billing)

## Core Value Propositions
1. **Forward-Looking Budgeting (Cash Flow Focus):** Traditional banks only display past spending. Figet.ai looks ahead — automatically deducting upcoming fixed commitments, savings envelopes, and planned variable budgets (groceries, fuel, dining, etc.) so households always know their true disposable balance.
2. **Zero-Knowledge Client-Side Encryption (E2EE):** Sensitive financial amounts and records are encrypted directly on the user's device using AES-256-GCM before cloud synchronization. Neither FLOXEE s.r.o. nor third parties can read user financial data.
3. **Private Enterprise AI (Figet AI Assistant):** Powered by Google Vertex AI & Gemini hosted in European data centers (Germany). User financial data and prompts are strictly isolated and NEVER used to train public AI models. Capabilities include:
   - Instant OCR/PDF extraction from receipts, bank statements, and contracts
   - Proactive budget supervision and Cash Flow optimization
   - Plain-language translation of complex loan, insurance, and energy contracts
   - Comprehensive Financial Health diagnostics
4. **Financial Health Evaluation (ČNB Standards):** Real-time evaluation based on the 50/30/20 budget rule, DTI (Debt-to-Income), DSTI (Debt-Service-to-Income), and Emergency Financial Reserve (3–6 months of expenses).
5. **100% Independence & Discretion:** No mandatory direct bank account login required, zero data selling, and zero unsolicited loan or insurance sales calls.

## All 16 Application Modules
- **Incomes (Příjmy):** Expected monthly income planning + real income tracking.
- **Budget (Rozpočet):** Category spending limits (groceries, fuel, drugstore, restaurants, entertainment).
- **Envelope Savings (Spoření):** Goal-based envelopes + automated 3–6 month emergency reserve tracking.
- **Loans & Mortgages (Půjčky):** Remaining principal, interest rates, fixation end dates, and debt load.
- **Subscriptions (Předplatné):** Streaming, cloud, and digital memberships with billing cycle alerts.
- **Tariffs (Tarify):** Mobile plans, internet, and TV packages for the entire household.
- **Energy (Energie):** Electricity, gas, and water advances, suppliers, and annual settlement dates.
- **Insurance (Pojištění):** Auto, property, liability, and life insurance policies with anniversary alerts.
- **Other Expenses (Ostatní):** School fees, kids' activities, waste collection, property taxes.
- **Analysis (Analýza):** Continuous Financial Health scoring across all incomes, expenses, and liabilities.
- **Payment Calendar (Platební kalendář):** Interactive timeline of upcoming bills and paydays.
- **Vehicle Management (Správa vozidel):** Digital garage tracking STK/emissions inspections, service history, highway vignettes, and car insurance.
- **Records (Záznamy):** Fast daily expense and receipt logging.
- **Warranties (Záruky):** Warranty expiration dates, purchase dates, and serial numbers.
- **Themes (Motivy):** 5 curated color themes and customizable icon styles.
- **Desktop / PC Version (PC verze):** Full-screen desktop layout alongside mobile PWA.

## Important Pages & Localized URLs
- [Homepage (CS)](https://figet.ai/)
- [Homepage (EN)](https://figet.ai/en)
- [Homepage (DE)](https://figet.ai/de)
- [Homepage (SK)](https://figet.ai/sk)
- [Homepage (PL)](https://figet.ai/pl)
- [Homepage (ES)](https://figet.ai/es)
- [Homepage (IT)](https://figet.ai/it)
- [Homepage (FR)](https://figet.ai/fr)
- [About Us / O nás](https://figet.ai/about)
- [Customer Support & FAQ / Podpora](https://figet.ai/support)
- [Contact & Company Info / Kontakt](https://figet.ai/contact)
- [Sitemap XML](https://figet.ai/sitemap.xml)

## Legal & Compliance
- **Merchant of Record:** Paddle.com (PCI-DSS Level 1 compliant, supports Visa, Mastercard, Apple Pay, Google Pay).
- **Data Hosting & GDPR:** EU data centers in Frankfurt, Germany, fully GDPR compliant.