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    General Terms and Conditions of Use (GTCU) for FINTECTURE services

    Version dated December 1, 2025 

    Preamble

    These general terms and conditions of use (hereinafter the " T&Cs" ) are agreed between the user of FINTECTURE's services and FINTECTURE SAS (hereinafter " FINTECTURE" ). 

    FINTECTURE is a simplified joint stock company, registered in the Créteil Trade and Companies Register under SIREN number 834 500 548, with its registered office located at 14, Avenue du Général de Gaulle, 94160 Saint-Mandé, France. FINTECTURE is authorized as a payment institution by the ACPR (as defined below), under number CIB 17248 and LEI 969500U0YM34EPKHBO02, which can be viewed at 

    1. Definitions

     The terms below beginning with a capital letter in the TOS (including its preamble) shall have the following meaning, whether used in the singular or plural: 

    ACPR (Autorité de Contrôle Prudentiel et de Résolution): The independent administrative authority responsible for issuing licenses to payment service providers (http://acpr.banque-france.fr) and for supervising and enforcing compliance with financial rules and standards applicable within France. 

    ACCOUNT: Any payment account held by a PSP Manager, as defined in Article L. 314-1 II of the Monetary and Financial Code. 

    CONNECT SPACE: The online space made available to the USER by FINTECTURE, allowing the USER to select their PSP Manager in connection with the use of the Services. 

    DATA: All USER data processed by FINTECTURE, whether Personal Data, Personalized Security Data, and/or Sensitive Payment Data. 

    PERSONAL DATA: Any information relating to an identified or identifiable natural person, within the meaning of Article 4.1 of Regulation (EU) 2016/679 of the European Parliament and of the Council of April 27, 2016. 

    PERSONALIZED SECURITY DATA: Personalized data provided to the USER by his PSP Manager for authentication purposes. 

    SENSITIVE PAYMENT DATA: Data, including Personal Security Data, that could be used to commit fraud. In accordance with Article L133-4 of the Monetary and Financial Code, the name of the Account holder and the Account number used in connection with the Services do not constitute Sensitive Payment Data. 

    INTELLECTUAL PROPERTY RIGHTS: All industrial property rights and literary and artistic property rights, including patents, trademarks, designs and models, as well as copyright. 

    PSD2: Directive (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015 on Payment Services in the Internal Market transposed into French law by Order No. 2017-1252 of 9 August 2017. 

    MERCHANT: A commercial company operating the Merchant Site and integrating the Solution into the Merchant Site to connect FINTECTURE and the USER and enable the latter to use the Services. 

    PSP MANAGER (or "BANK") : Any Payment Service Provider which, within the meaning of Article 4.17 of PSD2, provides an Account to the USER. 

    SERVICE(S): All the services provided by FINTECTURE to the USER as described in articles 5 and 6 of the GCU. 

    PAYMENT SERVICES: The payment services listed in II of Article L.314-1 of the Monetary and Financial Code. 

    PAYMENT INITIATION SERVICE: A Payment Service consisting of initiating a payment order at the USER's request concerning an Account, as listed in II 7° of Article L.314-1 of the Monetary and Financial Code and defined in 6° of Article D314-2 of the same code. 

    INFORMATION SERVICE: A Payment Service consisting of providing consolidated information on Accounts held by one (or more) PSP Manager(s), as listed in II 8° of Article L.314-1 of the Monetary and Financial Code and defined in 7° of Article D314-2 of the same Code. 

    MERCHANT SITE: The site and/or application operated by the MERCHANT to enable individuals to use the Services provided by FINTECTURE. 

    SOLUTION: FINTECTURE's payment solution integrating the Services. 

    USER: A natural or legal person, of legal age, capable and resident in the United States, who has accepted the Terms of Use in order to use the Services. 

    2. Purpose and acceptance of the GCU

     The purpose of the GCU is to define the conditions of use and supply of the Services offered by FINTECTURE to the USER. 

    Use of the Services by the USER implies that the USER has read the GTUs in their entirety beforehand and accepts them without reservation. Thus, by accepting the GTUs in the Connect Space, the USER is presumed to have read and accepted, without reservation, all the stipulations of the GTUs, which are enforceable against him/her from that moment. 

    The USER expressly agrees not to use and benefit from the Services if he/she does not accept the GTCU. The USER also acknowledges that any breach of the GTUs may result in the immediate refusal to provide all or part of the Services. 

    FINTECTURE reserves the right to modify these Terms of Use at any time, in particular to adapt them to changes in the Services or changes in the legislation in force. Consequently, the USER undertakes to consult and accept the latest published version of the Terms of Use before any new use of the Services. The USER may at any time download a copy of these Terms of Use free of charge on a durable medium (PDF format) from the website www.fintecture.com and print them. 

    Download in PDF format

    3. Duration

    The GCU are concluded as of their acceptance by the USER and apply for the entire duration necessary for the provision of the Services concerned.

    4. Tariff conditions

    FINTECTURE does not charge USERS for the use of the Services, which are provided to the USER free of charge. 

    By way of derogation, certain conversion fees may be applied to USERS located in specific jurisdictions or for certain types of transactions, in accordance with the provisions ofAppendix 1 - Fees applicable to users. 

    The MERCHANT or the PSP Manager may charge for certain services at their own discretion and independently of FINTECTURE. Consequently, the USER is advised to consult in advance the tariffs, fees and currency exchange rates applicable by the PSP Manager for payment transactions. FINTECTURE cannot be held responsible for the fees and rates applied by the managing PSP and invoiced by the latter to the USER. 

    5. Payment Initiation Service Terms and Conditions

    5.1. Description of the Payment Initiation Service

    FINTECTURE provides the USER with a payment initiation service enabling the USER to quickly, easily, and securely instruct their PSP Manager to execute a transfer to the MERCHANT. This service works as follows: 

    i. The USER selects the Solution on the Merchant Site, clicks on a FINTECTURE payment link, or scans a FINTECTURE payment QR code; 

    ii. The USER is redirected to the Connect Area and is asked to select their PSP Manager from the list of PSP Managers; 

    iii. The USER is redirected to the interface of their PSP Manager and follows the latter's specific procedure to identify themselves and, where applicable, authenticate themselves using their personalized security data. The USER is informed that FINTECTURE only redirects the USER to the interface of their PSP Manager and does not intervene in the authentication process. 

    iv. The USER confirms their request to initiate payment by bank transfer; 

    v. Where applicable, immediately after initiating the payment order, FINTECTURE shall confirm to the USER that the payment order has been successfully initiated and shall provide the USER with the following information: the transaction reference and the main characteristics associated with it (account debited, transfer recipient, transaction amount); 

    vi. Where applicable, FINTECTURE shall notify the USER of its refusal to initiate the transfer request, along with the reason for such refusal, unless prohibited by law. Pursuant to Article L133-10 of the Monetary and Financial Code, when the refusal is justified by a material error, FINTECTURE shall, if possible, inform the USER of the procedure to follow to correct this error. 

    The role of the MERCHANT is limited to connecting the USER and FINTECTURE via the MERCHANT Site in order to enable the USER to use the Payment Initiation Service provided by FINTECTURE. As such, said Service is provided by FINTECTURE independently of any underlying obligation between the USER and the MERCHANT and plays no role in the provision of the Payment Initiation Service to the USER. 

    The use of the Payment Initiation Service by the USER does not require the creation of any personal space with FINTECTURE. 

    The USER authorises FINTECTURE to contact the USER in order to assist him/her in his/her user experience when he/she has not finalised the payment process. 

    5.2 Irrevocability of the transfer order‍

    In accordance with Article L.133-8 of the Monetary and Financial Code, the USER is informed that he cannot revoke a transfer order initiated by FINTECTURE once the USER has given his consent to the initiation of the transfer by FINTECTURE. This consent is considered to have been given by the USER when he validates all the characteristics constituting his transfer request (the amount of the transfer, the Account to be debited and the beneficiary of the transfer) with the managing PSP according to the procedure provided by the latter. 

    5.3. USER commitments

    In order to use the Payment Initiation Service, the USER must (i) be a resident of one of the countries of the European Economic Area (EEA) and (ii) have full legal capacity to enter into a contract. 

    When using the Payment Initiation Service, the USER agrees to: 

    i. Use only an Account opened in their name and located in the European Economic Area; 

    ii. Verify that the URL of the authentication page belongs to its PSP Manager; 

    iii. Check the payment transactions executed by the PSP Manager to ensure that the transfer has been executed correctly by the latter; 

    iv. Notify their PSP Manager and FINTECTURE, without delay and no later than thirteen months after the debit date, of any unauthorized or incorrectly executed payment transaction initiated by FINTECTURE that they notice and/or dispute. If no dispute is made within the specified time frame, the payment transactions in question will be considered definitively approved. 

    5.4. FINTECTURE commitments

    The initiation of the payment by FINTECTURE is carried out under the conditions provided for in articles L133-1 to L133-45 of the Monetary and Financial Code. In this respect, FINTECTURE undertakes in particular to: 

    i. Not hold the USER's funds at any time in connection with the provision of the Payment Initiation Service; 

    ii. Ensure that the USER's Personal Security Data is not accessible to parties other than the USER and the issuer of said data, and ensure that it is transmitted via secure and efficient channels; 

    iii. Ensure that any other information relating to the USER obtained during the provision of the Payment Initiation Service is only communicated to the MERCHANT and only with the USER's consent. The USER agrees that FINTECTURE may disclose the USER's IBAN to the MERCHANT in a secure manner in connection with a refund to the USER by the MERCHANT; 

    iv. Not to store sensitive Payment Data concerning the USER; 

    v. Not to request from the USER any data other than that necessary to provide the payment initiation service; 

    vi. Not to use, consult, or store data for purposes other than the provision of the Service expressly requested by the USER; 

    vii. Do not change the amount, the beneficiary, or any other characteristic of the payment transaction.

    viii. Communicate with the PSP Manager, the USER, and the MERCHANT in a secure manner. 

    5.5. Retention of proof of authentication

    In accordance with Article 52 of PSD2 and Articles L.133-23-1 and L.522-19-1 of the French Monetary and Financial Code, FINTECTURE retains the following information for each payment initiation transaction: 

    i. Proof of the USER's explicit consent to initiate the payment; 

    ii. The technical authentication data transmitted by the PSP Manager confirming the strong authentication of the USER; 

    iii. Precise time stamping of each step in the initiation process (request, authentication, transmission to the PSP Manager, confirmation); 

    iv. The unique reference number for the transaction and the details of the payment order initiated; 

    v. Technical exchanges with the PSP Manager demonstrating the successful transmission of the order. 

    These elements are kept for a period of thirteen (13) months from the completion of the operation, which may be extended to five (5) years in the event of a claim or litigation. 

    FINTECTURE undertakes to provide such evidence to the USER, the PSP Manager or the competent authorities upon legitimate request, in compliance with professional secrecy and applicable regulations. 

    6. Terms and conditions of the Information Service

    6.1. Description of the Information Service

    FINTECTURE provides the USER with an Information Service allowing the USER to authorise FINTECTURE to access in a quick, easy and secure way information on his Account (IBAN, name of the account holder...) for the following purposes (hereinafter the " Purposes "):

    1. Receive payments and/or refunds from the MERCHANT; and/or
    2. Verify the accuracy of the information communicated by the USER to the MERCHANT.

    The applicable purpose is specified to the USER in the Connect Area.

    This Service works as follows:

    1. By clicking on a link (or scanning a QR code), the USER is redirected to the Connect Area and invited to select his or her PSP Manager from the PSP Managers listed;
    2. The USER is redirected to the interface of his PSP Manager and follows the procedure specific to the latter to identify himself and possibly authenticate himself strongly with his personalised Security Data. The USER is informed that FINTECTURE only redirects the USER to the interface of his PSP Manager and does not intervene in the authentication process;
    3. The USER confirms that he/she authorises FINTECTURE to access his/her Account information for the Purposes specified.

    The role of the MERCHANT is limited to connecting the USER and FINTECTURE via the MERCHANT Site in order to allow the USER to use the Information Service provided by FINTECTURE. As such, the said Service is provided by FINTECTURE independently of any underlying obligation between the USER and the MERCHANT plays no role in the provision of the Information Service to the USER.

    The use of the Information Service by the USER does not require the creation of any personal space with FINTECTURE.

    The USER authorizes FINTECTURE to contact the USER in order to support the USER's user experience in the event of any difficulties encountered by the USER.

    6.2. USER commitments

    In order to use the Information Service, the USER must (i) be a resident of one of the countries of the European Economic Area (EEA) and (ii) have full legal capacity to enter into a contract. 

    When using the Information Service, the USER agrees to: 

    i. Use only an Account opened in their name and located in the European Economic Area; 

    ii. Verify that the URL of the authentication page belongs to its PSP Manager. 

    6.3. FINTECTURE's commitments

    The Information Service is provided by FINTECTURE under the conditions set out in Article L133-41 of the Monetary and Financial Code. In this respect, FINTECTURE undertakes in particular to:

    1. To obtain the express consent of the USER ;
    2. Ensure that the USER's Personalised Security Data is not accessible to parties other than the USER and the sender of such data and ensure that it is transmitted in a secure manner;
    3. Communicate securely with the PSP Manager, the USER and the MERCHANT;
    4. Access only information from the USER's designated Accounts and associated payment transactions;
    5. Do not request sensitive Payment Data related to Accounts;
    6. Use, consult or store data only for the purpose of providing the Information Service expressly requested by the USER.

    7. Professional secrecy

    In accordance with the provisions of article L.522-19 of the Monetary and Financial Code, FINTECTURE is bound by professional secrecy.

    However, it follows from these legal provisions that :

    1. Professional secrecy may not be invoked against certain authorities, in particular the tax and customs authorities, the Banque de France, the ACPR and the judicial authority acting in the context of criminal proceedings;
    2. This professional secrecy does not prevent FINTECTURE from communicating information to third parties for the purposes of certain operations mentioned in Article L.522-19 of the French Monetary and Financial Code, and in particular to third parties with whom it has concluded service contracts with a view to entrusting them with important operational functions. In this context, persons receiving information covered by professional secrecy are required to keep it confidential, except where the above-mentioned legal exemptions may apply;
    3. FINTECTURE may communicate information covered by professional secrecy to designated third parties on a case-by-case basis and only with the express authorisation of the USER.

    8. Personal data

    For the purposes of this section, all words beginning with a capital letter and not specifically defined in the TOU shall be deemed to have the same meaning as in Article 4 of Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 (hereinafter the " GDPR ").

    As part of the performance of the GTUs and the provision of the Services, FINTECTURE, as the Data Controller, is required to process Personal Data concerning the USER. In this respect, the USER undertakes to comply fully with the regulations applicable to the Processing of Personal Data (hereinafter the " Applicable Regulations ") and in particular the RGPD and Law no. 78-17 of January 6, 1978 as amended by the law of June 20, 2018 (hereinafter the " Data Protection Act ").

    The terms and conditions of the Processing carried out by FINTECTURE as well as the USER's rights are detailed in FINTECTURE's Data Protection Policy accessible at the following address: https: //www.fintecture.com/privacy_fr/. The USER may at any time exercise his rights with FINTECTURE by contacting the data protection officer appointed by FINTECTURE at the following address: dpo@fintecture.com.

    9. Security of Services

    As a payment institution operating under the authorization and supervision of the ACPR, FINTECTURE considers data security to be its top priority. As such, FINTECTURE implements and undertakes to maintain appropriate technical and organizational security measures that comply with the highest and most proven standards in IT security. In particular, FINTECTURE uses high-level security encryption algorithms to guarantee the integrity of Data and is regularly audited by independent companies recognized in the field of IT security. 

    The USER undertakes to :

    1. Not to commit any act likely to jeopardise the security of FINTECTURE's information systems;
    2. Immediately notify FINTECTURE of any suspected fraudulent access to or use of its Account or any event that may lead to such fraudulent and/or unauthorized use of the Services, such as, but not limited to: loss, theft, accidental disclosure, misappropriation or any compromise of its Account credentials and other Data or an unauthorized transaction. This notification must be made by sending an e-mail to the following address: contact@fintecture.com.

    10. Anti-money laundering and fraud

    10.1. Combating money laundering and the financing of terrorism

    In accordance with Articles L.561-2 et seq. of the French Monetary and Financial Code, FINTECTURE is an entity subject to French and European regulations on anti-money laundering and counter-terrorist financing (" AML-CTF Obligations" ) and is required to carry out the necessary due diligence in connection with the use of the Services by the MERCHANT and/or USERS. 

    As such, FINTECTURE may be required to implement systems for monitoring, controlling, and limiting the Services for the purpose of combating money laundering and terrorist financing. FINTECTURE also reserves the right to request proof of identity and any other relevant documents in connection with the use of the Services and useful for FINTECTURE's compliance with its legal obligations, in particular with regard to the fight against money laundering (document proving the USER's identity, Kbis extract for USERS who are legal entities, proof of address, any information or supporting documents relating to the transaction carried out, etc.). If these requested documents and information are not provided, FINTECTURE reserves the right to refuse to provide the Services. 

    In application of article L561-12 of the Monetary and Financial Code, FINTECTURE keeps these documents and information for a period of up to five (5) years from the end of the contractual relationship. 

    No prosecution may be based on articles 226-13 and 226-14 of the Penal Code and no civil liability action may be brought or professional sanction pronounced against FINTECTURE, its managers or employees or against any other person referred to in article L.561-2 of the Monetary and Financial Code who have made the declarations mentioned in articles L.561-22 of the same code in good faith. 

    10.2. Combating fraud and the risk of non-payment

    In accordance with the article L521-6 of the Monetary and Financial Code, FINTECTURE can be led to carry out operations of prevention, research and detection of frauds as regards payments and limitation of the risk of non-payment. In this respect, in case of suspicion of fraud or important risk of non-payment, FINTECTURE can be led to set up systems of limitation of the Services with the aim of fighting against fraud in payments. 

    10.3 Territorial restrictions and exclusions of jurisdiction

    As part of its compliance obligations, in particular with regard to the fight against money laundering, the financing of terrorism and the prevention of fraud, FINTECTURE does not accept or provide its Services to USERS, MERCHANTS or Accounts located in the United States of America ("US") or subject to US law. In particular, the following are excluded: 

    i. residents, citizens, or nationals of the United States, 

    ii. companies, entities, or organizations incorporated or established under U.S. law, 

    iii. Accounts held with a payment service provider established in the United States, 

    iv. any transaction, operation, or service involving a transfer of funds to or from the United States. 

    FINTECTURE reserves the right to refuse, suspend or terminate access to the Services if there is any doubt about the location, residence or affiliation of a USER, MERCHANT or Account with the United States. 

    11. Intellectual property

    These GTCU do not grant the USER any Intellectual Property Rights on the Solution and the elements composing it or made available to the USER by FINTECTURE, including software, applications, trademarks, interfaces, databases, know-how, data, texts, presentations, illustrations, computer programs, animations, and all other information made available to the USER (the " Elements "). As such, the Elements are and remain, either the exclusive property of FINTECTURE, or subject to a license granted to FINTECTURE by a third party holding these rights.

    The USER is not authorized to reproduce, represent, modify, translate and/or adapt, partially or totally, each of the Elements without the prior written consent of FINTECTURE and shall refrain from any act likely to directly or indirectly infringe FINTECTURE's Intellectual Property Rights on the Elements.

    FINTECTURE grants the USER, on a non-exclusive basis, for the entire world and for the duration of the TOU, the right to access and use the Connect Space, this right of use not conferring any Intellectual Property Rights on the USER.

    The names, brands, products or services of the PSP Managers referenced by the Services do not imply the existence of a commercial partnership between these PSP Managers and FINTECTURE or a recommendation of their products or services. These elements are displayed only to allow the USER to select his PSP Manager.

    12. Liability

    12.1. FINTECTURE's general liability

    FINTECTURE undertakes to provide the Services in accordance with these GCU and the applicable regulations, in particular the provisions of the French Monetary and Financial Code. 

    Within the limits of applicable regulations, FINTECTURE may only be held liable in the event of a breach of its legal or contractual obligations for which it is directly responsible. FINTECTURE shall not be held liable for damages resulting from : 

    1. non-compliant, abusive or fraudulent use of the Services by the USER, or non-compliance with the GCU; 
    2. a malfunction attributable to the MERCHANT, the PSP Manager or any other third-party service provider involved in the payment chain; 
    3. malfunction of the Internet, telecommunications networks or any other external service beyond FINTECTURE's control; 
    4. a phishing operation or compromise of the USER's Personalized Security Data when such compromise is not the result of a fault on the part of FINTECTURE ; 
    5. any situation of force majeure as defined in article 1218 of the French Civil Code. 

    FINTECTURE implements the technical and organizational measures necessary to ensure a high level of security and reliability of the Services, in accordance with the requirements of the Monetary and Financial Code. 

    These stipulations shall not have the effect of excluding or limiting FINTECTURE's liability in the event of gross negligence, breach of its legal obligations, safety obligation or personal injury suffered by a consumer. 

    The USER's legal rights, in particular those under the French Monetary and Financial Code and the French Consumer Code, remain fully applicable. 

    Furthermore, the USER acknowledges that FINTECTURE does not intervene in any way in the commercial and contractual relations and any disputes, commercial or otherwise, between the MERCHANT and the USER in respect of any goods or services marketed by the MERCHANT and does not exercise any control over the conformity, safety, lawfulness, characteristics and appropriateness of such goods and services. In this respect, the USER is informed that the MERCHANT remains solely responsible for the goods and services it markets to its customers via the Solution. 

    FINTECTURE does not offer any guarantee regarding the list of PSP Managers connected to the Services, as this list may be modified at any time. 

    12.2. FINTECTURE's liability specific to the Payment Initiation Service

    In accordance with Articles L.133-18 et seq. of the Monetary and Financial Code, when, in the context of a payment transaction initiated by FINTECTURE, the USER denies having authorised a payment transaction which has been executed, or when the payment transaction has not been executed correctly, it is FINTECTURE's responsibility to prove : 

    1. that the payment order has been received by the PSP Manager and that, with regard to FINTECTURE, the payment transaction has been authenticated, duly recorded, and correctly executed, and that it has not been affected by any technical or other deficiency in relation to either the service it provides or the non-execution, incorrect execution, or late execution of the transaction; OR 
    2. that the USER has acted fraudulently or has failed, intentionally or as a result of gross negligence, to fulfil his obligation to inform FINTECTURE in the event of knowledge of the misappropriation or any unauthorised use of the Service. 

    When this proof is provided, FINTECTURE cannot be held liable in the event of non-execution, poor execution or unauthorized execution of the payment transaction. 

    In all cases, FINTECTURE remains liable to the USER for the proper performance of its obligations under the French Monetary and Financial Code, and cannot limit or exclude this liability except as provided by law. 

    12.3. Responsibility of the USER

    The USER undertakes to use the Services in strict compliance with the GCU and applicable legislation. He is responsible for the truthfulness of the information transmitted and for the use he makes of the Services. 

    The USER remains liable for the consequences of fraudulent, abusive or non-compliant use of the Services, as well as for any damage resulting from a fault or negligence on his part, in particular in the event of : 

    1. communication of false, incomplete or inaccurate information ; 
    2. wilful or negligent disclosure of Personalized Security Data ; 
    3. failure to check the account to be debited before validating a payment. 

    These provisions apply within the limits of applicable regulations. They do not prevent the USER from exercising their legal rights and protections under the Monetary and Financial Code, in particular Articles L.133-18 et seq. relating to liability in the event of unauthorized or incorrectly executed transactions. 

    13. Suspension of Services and Termination

    In the event of a breach by the USER of one or more of its obligations under the GTUs, FINTECTURE reserves the right, as soon as the breach(s) is (are) noted, to suspend the provision of the Services and to terminate the GTUs, without notice or right to compensation. In this case, FINTECTURE will inform the USER as soon as possible by any means. 

    14. General provisions

    The USER is informed that, due to the nature of the Services provided, the withdrawal period provided for in Articles L. 222-7 et seq. of the French Consumer Code is not applicable. 

    The GTCU, as well as the rights and obligations related to it, cannot be assigned, conceded, delegated, transferred in any way whatsoever, in whole or in part, whether in return for payment or free of charge, by the USER, without the prior written consent of FINTECTURE. 

    In the event that any of the provisions of the TOU are deemed invalid by virtue of a legal principle, law, regulation or invalidation by a court decision, the parties agree that the remaining provisions of the TOU shall remain in force. 

    Unless otherwise provided, the fact that one of the parties has not required the application of any provision of the GCU shall not be considered as a waiver of the rights of that provision under the said provision. 

    The official language of the TOS and the provision of the Services is French. The French version of the TOS prevails over any translated English version. 

    15. Claims and mediation

    15.1 Complaints

    For any question or difficulty of a technical, administrative or commercial nature, or for any claim relating to the use of the Services and the Solution, the USER may :

    1. First, contact FINTECTURE support at the following e-mail address: support@fintecture.com
    2. Secondly, send a complaint by post to the following address: FINTECTURE SAS, 5 avenue du Général de Gaulle, 94160 Saint-Mandé.

    In the event of a complaint, FINTECTURE will make its best efforts to acknowledge receipt of the complaint within a maximum of ten (10) days and provide a definitive response to the USER within a maximum of two (2) months from receipt of the complaint. FINTECTURE will also keep the USER regularly informed of the processing of his complaint. FINTECTURE may request any document (supporting document, written statement, etc.) in support of the USER's claim.document (supporting document, written statement, etc.) in support of the USER's claim.

    15.2. Settlement and mediation

    In the event of a dispute between the USER and FINTECTURE in relation to the execution of the GTC and the provision of the Services, the USER and FINTECTURE will endeavour to find an amicable solution to their dispute.

    In application of articles L612-1 of the Consumer Code and L.316-1 of the Monetary and Financial Code, the USER, when acting for non-professional purposes, is informed of the possibility of referring to the AFEPAME mediator free of charge and in all circumstances:

    1. By electronic referral from the AFEPAME consumer mediator website: mediateur-consommation-afepame.fr;
    2. By e-mail, to the address of the AFEPAME consumer mediator: contact@mediateur-consommation-afepame.fr;
    3. By simple mail to the following postal address: "AFEPAME's Consumer Mediator c/o WEBHELP GRAY - Zac de Gray - Impasse Clément Ader 70100 Gray".

    Any referral to AFEPAME's Consumer Mediator shall be acknowledged to the USER and an admissibility study carried out within three weeks of the date of the request. If the parties agree to enter into mediation, the outcome of the mediation shall, in principle, take place within a maximum period of 90 days from the date of the notification of admissibility sent by the AFEPAME consumer mediator to the USER, in accordance with Article R612-2 of the Consumer Code.

    Recourse to mediation by the USER remains optional and does not constitute a necessary prerequisite for referral to a judge.

    16. Applicable law and jurisdiction

    The GCU and any dispute relating to their execution or interpretation are governed by French law.

    In the event of a dispute that FINTECTURE and the USER are unable to resolve amicably, the USER acting as a consumer may refer the matter, at his or her option, to one of the territorially competent courts under the Code of Civil Procedure or to the court of the place where he or she usually resides.

    For USERS acting for professional purposes, the French courts have exclusive jurisdiction.