Legal - Copass

Copass Website Terms and Conditions

Last Updated: January the 20th, 2017

Thank you for visiting the Copass Website accessible at the following address: www.copass.org (the “Site”).

The Site is operated by the company COPASS, registered with the Paris trade and company register under number 798 323 739 R.C.S Paris, whose registered office is located at 29 rue de Meaux, 75019 Paris (the “Company“ or “Copass”).

The Site consists of an online platform that connects collaborative workspaces with people seeking to work in those places.

Access to the Site is restricted to registered users. Registered users must have full capacity to contract and be over the age of 18.

By registering for, logging into, visiting and/or otherwise using the Site in any way, you indicate that you understand and agree to be bound by these Terms and Conditions.

Copass reserves the right, at its discretion, to change, modify, add, or remove portions of these Terms and Conditions at any time. Your continued use of the Site following reasonable notice of such modifications will be conclusively deemed acceptance of any changes to these Terms and Conditions. You agree that notice of changes to these Terms and Conditions posted on the Site constitutes reasonable and sufficient notice.

At all times, you are bound by the then-current version of these Terms and Conditions.

We highly recommend that you review these Terms and Conditions from time to time to ensure that you are familiar with the most recent version. If you do not agree to the Terms and Conditions set forth here, please do not use this Site.

1. Definitions

In these Terms and Conditions, all capitalized terms or expressions used and not otherwise defined herein shall have the meaning set forth below. Definitions used in these Terms and Conditions shall apply equally to both the singular and plural forms of the terms defined.

“Copasser“ means the person who subscribes to the Site.

“Cospace“ means a collaborative workspace listed on the Site.

“Cospace Manager” means the person who manages the Cospace and who is empowered to enter into legal commitments in relation to the Cospace.

“Services” means the services offered by the Site.

2. Object

These Terms and conditions define the conditions under which Copassers and Cospaces can use the Site.

3. Rules applicable to Cospaces

3.1. Registration

Any Cospace Manager wishing to host Copassers in his/her Cospace must register the Site. Registration is free. Cospaces must communicate their daily rate to Copass in one of the following currency: Euros, US Dollars or GB Pounds. For informational purpose only, Copass may display Cospaces daily rate in the currency chosen by a Copasser among Euros, US Dollars and GB Pounds. The transactions in one Cospace are always done in the currency chosen by the Cospace during its registration. Its choice can be made among Euros, US Dollars and GB Pounds.

3.2. Fees and Financial conditions

Copass charges management fees of 10% over the Cospace on the total amounts taxes included the Cospace has charged to the Copassers who consumed services in its Cospace. Fees are paid exclusively in the currency chosen by the Cospace during its registration among Euros, US Dollars and GB Pounds.

On the first day of each calendar month, Copass transfers the money due to the Cospace banking account, provided that the Cospace filled its banking information in its Cospace profile. If the Cospace hasn’t provided its banking information before the payment day, no payment can be done. The payment will then be done on the next calendar month when the information have been updated in the Cospace profile.

When a Copasser uses the Cospace services with an Unlimited Copass plan, then Copass monthly payment for this user cannot exceed the total amount of 299€ (it its equivalent in USD and GBP, with the conversion rate on the money transferring day). This rule is only valid for coworking days; it is not applied when the user consumed any other services than coworking days, also known as Copass checkins. The other services than coworking days remain due to the Cospace and will be paid with respect to the common rule. This rule is also only applicable for Unlimited Copass Members. For any other Copass Members (Pay-as-you-goo, Light Plan or Part Time Copass Members), no limitation occurs.

3.3. Billing abd invoicing

The Cospace Manager appoints Copass to invoice in his/her name and on his/her behalf to Copassers the price of services they have purchased in the Cospace. On the first day of each calendar month, Copass issue an invoice to the Cospace aggregating all invoices it has issued in the name and on behalf of the Cospace over the past month provided that (i) the Cospace provided their banking information (i) the Cospace provided their billing information. These information can directly be edited in the Cospace profile by the Cospace Managers. Copass sends the same invoice to their members for the services they have purchased in the Cospace over the last month. No invoice is produced if no transaction took place in the Cospace over the last calendar month. The Cospace invoice is produced and sent at the same time as the payment, on the first day of each month. If for any reason the payment was not effective, then no invoice is produced. Only paid transaction can lead to invoice summary.

4. Rules applicable to Copassers

4.1. Registration

In order to access the Site you must register to create an account. During the registration process, you will be required to provide certain information and you will establish a password.

You agree to provide accurate, current and complete information during the registration process and to update such information to keep it accurate, current and complete. Copass reserves the right to suspend or terminate your account if any information provided during the registration process or thereafter proves to be inaccurate, not current or incomplete.

You are responsible for maintaining confidentiality of your online account and password, restricting access to your computer and/or preventing unauthorized access to your account. You agree to take responsibility for all activities that occur under your account or password. If you believe that your account or password is being or is about to be used by anyone else you should inform us immediately by email to info@copass.org.

4.2. Subscription

4.2.1. Free Subscription Service

If you simply register on the Site without subscribing to Paid-For-Subscription-Services, you are designated as a “Pay-as-You-Go User“.

As a Pay-as-You-Go User, you can have access to social features of the Site, such as view information with respect to Cospaces, recommend Cospaces, and receive notifications about a Copasser’s activity or location. You can pay the Cospaces’ services with your Copass account. It implies you have registered a valid credit card to enable you to pay on demand for the services you consume in a Cospace. You can register your credit card at any time in your personal Copasser profile on the platform.

If you wish to cancel your Free Subscription Service, you may do so at any time by notifying us by email to info@copass.org.

4.2.2. Paid-for-Subscription Services

Copass offers three types of paid-for-Subscription Services:

• « Light Plan »

Provided payment of a monthly subscription of € 49 excluded of taxes taxes (or its equivalent in USD or GBP on the conversion rate of the purchasing day), you can subscribe to the “Light Plan”. As such, in addition to the social functionalities of the Site, you can do three checkins in any Cospace of the network Copass. You may provide your opinion and comments about Cospaces and such opinion and comments may be published after moderation on the Site.

By default, the subscription contract to the “Light Plan” is automatically renewed from month to month. You can decide not to automatically renew it directly from your Copass Account by clicking on your profile picture and “Account” in the dropdown menu. In this tab, you have the view of the plan you have subscribed to. If you click on “Do not renew” button, your plan won’t be renewed on the following month, otherwise the automatic renewal prevails. You can therefore choose either to renew it or to terminate it directly from your Copasser account.

Once you have subscribed to the Light Plan, you will receive by email the related monthly invoice for the selected plan. The Plan price is charged in one of the three currencies accepted by Copass. Your currency depends on your billing address. Here are the monthly prices for the Light Plan:

The Light Plan includes 3 checkins available anywhere during the month subscription period. A checkin is a day spent in a collaborative workplace of the network Copass. It does not include days in a coliving or in a maker space. Hence a daypass is only a day of coworking in any Cospace listed on Copass.

Only 3 checkins are included in the Light Plan. All other services of a Cospace (like meeting rooms, printers, events, laser cuts…) are not included in your Light Plan but can be charged and invoiced directly through Copass with your Copass account. In that case, Copass will issue a monthly invoice aggregating all invoices it has issued in the name and on behalf of Cospaces for any use of services in those Cospaces which have been visited by you over the past month and which are not included in your 3 checkins Light Plan.

If you have done all of your 3 checkins before the end of your monthly Light Plan, you can still use your Copass account for your extra checkins. They will be charged directly on your credit card and you receive the related invoice at the end of each month. If you haven’t used all of your 3 checkins before the end of your monthly Light Plan, the number of checkins left expires and the following monthly Light Plan will still begin with 3 checkins.

• « Part Time Plan »

Provided payment of a monthly subscription of € 199 excluded of taxes (or its equivalent in USD or GBP on the conversion rate of the purchasing day), you can subscribe to the “Part Time Plan”. As such, in addition to the social functionalities of the Site, you can do ten checkins in any Cospace of the network Copass. You may provide your opinion and comments about Cospaces and such opinion and comments may be published after moderation on the Site. By default, the subscription contract to the “Part Time Plan” is automatically renewed from month to month. You can decide not to automatically renew it directly from your Copass Account by clicking on your profile picture and “Account” in the dropdown menu. In this tab, you have the view of the plan you have subscribed to. If you click on “Do not renew” button, your plan won’t be renewed on the following month, otherwise the automatic renewal prevails. You can therefore choose either to renew it or to terminate it directly from your Copasser account. Once you have subscribed to the Part Time Plan, you will receive by email the related monthly invoice for the selected plan. The Plan price is charged in one of the three currencies accepted by Copass. Your currency depends on your billing address. Here are the monthly prices for the Part Time Plan:

The Part Time includes 10 checkins available anywhere during the month subscription period. A checkin is a day spent in a collaborative workplace of the network Copass. It does not include days in a coliving or in a maker space. Hence a daypass is only a day of coworking in any Cospace listed on Copass. Only 10 checkins are included in the Part Time Plan. All other services of a Cospace (like meeting rooms, printers, events, laser cuts…) are not included in your Part Time Plan but can be charged and invoiced directly through Copass with your Copass account. In that case, Copass will issue a monthly invoice aggregating all invoices it has issued in the name and on behalf of Cospaces for any use of services in those Cospaces which have been visited by you over the past month and which are not included in your 10 checkins Part Time Plan. If you have done all of your 10 checkins before the end of your monthly Part Time Plan, you can still use your Copass account for your extra checkins. They will be charged directly on your credit card and you receive the related invoice at the end of each month. If you haven’t used all of your 10 checkins before the end of your monthly Part Time Plan, the number of checkins left expires and the following monthly Part Time Plan will still begin with 10 checkins.

• « Unlimited Plan »

Provided the payment of a monthly subscription of € 299 excluded of taxes (or its equivalent in USD or GBP on the conversion rate of the purchasing day), you can subscribe to the Unlimited Plan. As such, in addition to the social functionalities of the Site, you can do unlimited checkins in any Cospace of the network Copass. You may provide your opinion and comments about Cospaces and such opinion and comments may be published after moderation on the Site. By default, the subscription contract to the “Unlimited Plan” is automatically renewed from month to month. You can decide not to automatically renew it directly from your Copass Account by clicking on your profile picture and “Account” in the dropdown menu. In this tab, you have the view of the plan you have subscribed to. If you click on “Do not renew” button, your plan won’t be renewed on the following month, otherwise the automatic renewal prevails. You can therefore choose either to renew it or to terminate it directly from your Copasser account. Once you have subscribed to the Unlimited Plan, you will receive by email the related monthly invoice for the selected plan. The Plan price is charged in one of the three currencies accepted by Copass. Your currency depends on your billing address. Here are the monthly prices for the Unlimited Plan:

The Unlimited Plan includes unlimited checkins available anywhere during the month subscription period. A checkin is a day spent in a collaborative workplace of the network Copass. It does not include days in a coliving or in a maker space. Hence a daypass is only a day of coworking in any Cospace listed on Copass.

All other services of a Cospace (like meeting rooms, printers, events, laser cuts…) are not included in your Unlimited Plan but can be charged and invoiced directly through Copass with your Copass account. In that case, Copass will issue a monthly invoice aggregating all invoices it has issued in the name and on behalf of Cospaces for any use of services in those Cospaces which have been visited by you over the past month and which are not included in your Unlimited Plan.

Your subscription for Paid-for-Subscription Services will only begin once we have received full payment of all sums due for such Subscription Services.

You may cancel a Paid-for Subscription Contract within seven working days of the day after you receive the Subscription Confirmation provided that you have not used the services before the expiry of 7 days. In such a case, you will receive a full refund of the price paid for the Paid-for-Subscription Services as soon as possible and, in any case, within 30 days of the day on which you give us notice of your cancellation.

If you decide not to renew Paid-for-Subscription Services, we will automatically downgrade your membership to the Free Subscription Service, subject also to these terms and conditions. We will send you an email confirming the downgraded subscription.

We operate the payment and direct debit on your payment card through our partner MANGOPAY. All of the terms and conditions related to the use of their payment solution appear on the point 19. Payment Solution of these present Terms and Conditions. Precisions also appear in the following section of these Terms and Conditions, point 4.3. Payment and credit card.

4.3. Payment and credit card

Copass integrates a secured payment system. Mangopay processes its payment solution. You can find on point 19 of these Terms and Conditions further explanations on how it works.

For your plans‘ subscription, extra services and/or checkins not included in your Plan or as a Pay-As-You-Go User, you will be charged in Euros, US Dollars or GB Pounds depending on your billing address. We accept that European countries are charged in Euros, the United Kingdom is charged in GBP, the United States of America in USD and all other geographical zones and countries are charged by default in USD. If it is not the currency of your bank account, your bank will directly make the conversion into the currency of your bank account, when processed. We are not responsible for any additional charges your bank may apply.

We only accept payments via credit card details. Only Mastercard and Visa card are currently accepted on the platform. Once submitted, our contractors Mangopay process these card details. During the card registration process, our payment provider sends a pre-authorization to your bank to certify your credit card is valid. In certain cases, small amounts (never more than 1,50 USD) might be withdrawn from your bank account. These amounts are automatically refunded on the following days directly on your bank account. We do not issue invoices for these amounts. This process ensures Copass and its Payment Provider Mangopay that your card is active and valid and that your bank can trust the services. Copass cannot forecast if these amounts will be withdrawn from your banking account as it depends on your bank specificities and countries. In any cases, these amounts are refunded on your banking account. [For further explanations please refer to the point 19- Payment solution or write us at info@copass.org ]

4. Taxes

You are responsible for paying all applicable sales, use, transfer, value-added, or other taxes and all duties, whether international, national, state, or local, however designated, which result from the subscription of Services. When Copass is required to collect such taxes from you, Copass may charge applicable taxes at the time of sale. You agree to pay all charges, including applicable taxes, in accordance with the billing terms in effect at the time the price or charge becomes payable. If an error has been made in the amount of taxes collected by Copass with respect to your subscription, we reserve the right to process an additional charge in order to meet our obligations to collect such taxes in the correct amount as required by applicable law.

5. Pricing and Billing currency

Copass accepts 3 currencies: Euros, US Dollars and GB Pounds.

You can select and change the currency of prices advertisement in the platform footer. Currencies visualization is for informal purpose only.

Services in a Cospace are charged in the Cospace currency (among Euros, US Dollars and GB Pounds).

Plans are charged in the currency related to your billing address. We accept that European countries are charged in Euros, the United Kingdom is charged in GBP, the United States of America are charged in USD and all other geographical zones and countries are charged by default in USD.

Copass makes reasonable efforts to provide accurate information about the price of Cospace services on the Site. Nevertheless, pricing errors may appear on the Site. Accordingly, Copass does not guarantee the prices set forth on the Site. Prices on the Site are subject to change.

6. Copass Intellectual Property

This Site (including the software and files) and content provided on this Site, including the text, graphics, images, photographs, analyses, studies, reports, and downloads are the exclusive property of Copass or are licensed to Copass, and are protected by law. Except as expressly provided in these Terms and Conditions, Copass does not grant any express or implied rights to you.

Copass has the rights to upload its photographs to a Cospace profile. If Copass proceeded to a Cospace photographs uploads, the photographs remain the property of Copass. The Cospace and its staff cannot use these photographs anywhere else than on the Copass Platform. Their use is only on the Copass platform itself.

Unless otherwise noted, COPASS, and other trademarks featured on the Site constitute our trade/service marks. You agree not to directly or indirectly: attempt to register, challenge or contest the validity of Copass’s ownership of, such copyrights, trademarks or any other Copass intellectual property, or assist any third party in doing so.

You may not use the Site content in any manner that suggests the endorsement or association of any third-party entity, person or service by Copass unless express written permission has been given by Copass in advance. You may not under any circumstances copy, print or download in any medium all or substantially all of the Site content. You agree not to reproduce, duplicate, copy, sell, resell, or exploit for any commercial purpose, any information from the Site, and portion of the Site, use of the Site, or access to the Site. You agree not to access the Site by any means other than through the interface that is provided by Copass for use in accessing the Site. You may not remove any copyright notices or other notices of intellectual property rights from the Site or any content available on or through the Site.

7. User Representations

You represent and warrant to Copass that you will not use this Site for any purpose that is unlawful or prohibited by these Terms and Conditions, including but not limited to attempting or actually (a) disrupting, impairing or otherwise interfering with the operation or integrity of the Site or circumventing any Site security system; (b) collecting any information about other users of the Site; or (c) systematically extracting content or other information or data contained in the Site to populate databases or other sites for internal or external use.

You further represent and warrant that you will not post, store, transmit or otherwise use the Site in connection with any materials that may constitute or be comprised of any material that is unlawful or prohibited by these Terms and Conditions, including but not limited to materials that (a) impersonate any individual or business (including but not limited to Copass); (b) provide false or misleading personal information or email addresses, or impersonate any other person or entity; (c) harm minors in any way; (d) harass another person; (e) is unlawful, threatening, libelous, harassing, defamatory, vulgar, obscene, pornographic, profane, invasive of another’s privacy, hateful, or ethnically, racially, or otherwise objectionable; (f) infringes any patent, trademark, trade secret, copyright, or other proprietary rights of any person, or (g) consists of unsolicited advertising, promotional materials, or other forms of solicitation to other users including, without limitation, “junk mail,” “spam,” “chain letters,” or “pyramid schemes.”

8. Copass’s Rights

Copass may terminate your access, or suspend your access to all or part of the Site, without notice, for any conduct that Copass, in its sole discretion, believes is in violation of any applicable law or is harmful to the interests of another user, a third-party provider, merchant, sponsor, licensor, service provider, or Copass. Because customer service is paramount to Copass’s business, Copass reserves the right to refuse to provide services to you for any lawful reason.

9. Privacy Policy

To participate on the Website, you are required to provide personally identifiable information such as your name, physical address, e-mail address and birthdate ("personal data"). Copass collects personal data for the following purposes: management and archiving operations, statistics and marketing, and payment.

Copass only shares or discloses your personal data with its employees and your name to Cospaces Managers. We require them to protect the privacy of all information collected over the Website.

Copass only retains your personal data for a maximum period of 2 years following the end of your subscription. After this term, your personal data are automatically destroyed.

The data controller is Copass.

In accordance with French data protection law No. 78-17 of 6 January 1978, you have the right to access, rectify and delete your personal data by notifying us by email to info@copass.org .

This Site uses cookies or other tracking devices. A cookie is a small data file that contains a unique identification number that a website places on your hard drive when you visit a site. The "cookie" is able to store information such as data about your computer, the type of browser you use, and how many times your computer visits a certain site. Cookies enable us to track how often visitors are visiting our website and specific pages, the number of entries in specific events, the estimated audience size for sponsors and advertisers, and user preferences. You can refuse to use cookies by turning them off in your browser. Please contact your browser's software manufacturer for questions on how to disable your cookies. You do not need to have cookies turned on to use most of this site. However, you may find that some areas on the website will be slower, or may not function at all, and you may not be able to participate in certain activities such as contests or sweepstakes if the cookies are disabled.

Copass undertakes to take all necessary measures to protect your personal data, preserve their integrity and prevent them from being distorted, damaged or communicated to unauthorized third parties. To this end, your personal data are stored in a secure area inaccessible to the public.

10. Assumption of Risk

Your access and use of this Site, including the materials, information, services, and any other resources contained in, offered, or provided in connection with them, is solely at your own risk and subject to all applicable local, state, national, and international laws and regulations. Although Copass has endeavored to create a secure and reliable Site, the confidentiality of any communication or material transmitted to/from this Site over the Internet cannot be guaranteed. Copass shall have no liability for interruptions or omissions in Internet, network or hosting services. You assume the sole and complete risk of using this Site.

11. Enforcing Security

Actual or attempted unauthorized use of the Site may result in criminal and/or civil prosecution. For your protection, Copass reserves the right to view, monitor, and record activity on the Site without further notice or further permission from you. Any information obtained by monitoring, reviewing, or recording is subject to review by law enforcement organizations in connection with the investigation or prosecution of possible criminal activity on the Site. Copass will also comply with all court orders involving requests for such information.

12. Links to Other Sites

Copass may describe, reference, or provide links, in its sole discretion, to other information or sites on the World Wide Web for your convenience in locating related information and services. Any descriptions of, references to, or links to other publications or services does not imply endorsements of any kind, unless expressly stated by Copass. Any such information or sites have not necessarily been reviewed by Copass and are provided or maintained by third parties over which Copass exercises no control. In addition, to the extent that they were reviewed by Copass, Copass undertakes no responsibility for continually monitoring such sites; the material at a site when Copass viewed it may differ materially than when you do. Accordingly, Copass expressly disclaims any responsibility for the content, the accuracy of the information, and/or quality of products or services provided by or advertised on these third-party sites.
You agree to remove any link from your website or any other Internet location to the Site upon Copass’s request.

13. Events Beyond Copass’s Control

You expressly absolve and release Copass, its affiliates, related companies, and all of their respective officers, directors, employees, shareholders, legal representatives, attorneys, agents, successors and assigns, from any claim of harm resulting from a cause beyond its control including, but not limited to, the failure of electronic or mechanical equipment or communication lines, telephone or other interconnect problems, computer viruses or software failures, unauthorized access, theft, operator errors, severe weather, earthquakes, or natural disasters, strikes or other labor problems, wars, terrorism or governmental restrictions.

14. Disclaimers

All materials, information, services, and other resources provided, or made available through this Site including all of its content, are provided by Copass on an “as is” basis and without representation or warranty of any kind. Copass makes no representation or warranty, express or implied, to you or any other person or entity as to the accuracy, results, timeliness, completeness, non-infringement, or fitness for any particular purpose with respect to the Site, any Site content, or any materials, information, services provided, or otherwise made available through this Site. No information conveyed (whether orally or in writing) by Copass, its affiliates, related companies, or any of their respective officers, directors, employees, shareholders, legal representatives, attorneys, agents, successors, or assigns regarding any products, goods, materials, information, services, or other resources sold, provided, or otherwise made available through this Site shall create such a warranty. Further, the information available on this Site may include inaccuracies or typographical errors. Copass may make modifications and/or changes in this Site or in the information, materials and services described in this Site at any time, for any reason. You assume the sole risk of making use of this Site, the content it provides, and any materials, information, services, or other resources provided or offered through this Site. Under no circumstances will Copass be liable to you for any special, indirect, incidental or consequential damages of any kind arising from your access or use of this Site, the content it provides, or any materials, information, services, or other resources, provided or offered through this Site, including, but not limited to compensation, reimbursement or damages on account of the loss of present or prospective profits, expenditures, investments or commitments, whether made in the establishment, development or maintenance of business reputation or goodwill, for loss of data, cost of substitute materials, services or information, cost of capital, and the claims of any third party, or for any other reason whatsoever, even if Copass has been advised of the possibility of damages. To the extent permitted by law, our liability for direct damages based on your access or use of the Site is strictly limited to the charges you have paid (if any) for the Subscription Services.

15. Indemnity

You agree to indemnify and hold harmless Copass, its affiliates, related companies, and all of their respective officers, directors, employees, shareholders, legal representatives, attorneys, agents, successors and assigns, from and against any damages, liabilities, costs and expenses (including reasonable attorneys’ and professionals’ fees and court costs) arising out of any third-party claims based on or related to your use of this Site or any breach by you of these Terms and Conditions.

16. Feedback and Submissions

Copass welcomes your feedbacks and suggestions about how to improve this Site, as well as other submissions related to this Site and any services offered in connection with this Site. Any ideas, suggestions, information, know-how, material, or any other content (collectively, “Submissions”) received through this Site, will be deemed to include a royalty-free, perpetual, irrevocable, nonexclusive right and license for Copass to adopt, publish, reproduce, disseminate, transmit, distribute, copy, use, create derivative works of, display (in whole or part) worldwide, or act on such Submissions without additional approval or consideration, in any form, media, or technology now known or later developed for the full term of any rights that may exist in such Submissions. You expressly acknowledge and agree that you waive any claim to the contrary. Copass may, but will not be obligated to use, and/or provide any author attributions related to, any Submissions. Copass reserves the right to remove any Submissions you may submit through or post on the Site.

17. Governing Law and Jurisdiction

These Terms and Conditions are governed by and shall be construed in accordance with the laws of France, including validity, interpretation and effect, without regard to the principles of conflicts of laws that might otherwise be applicable. The Courts of the district of Paris shall have exclusive jurisdiction to decide any dispute relating to or arising from the interpretation or execution of these terms and conditions.

18. Miscellaneous

18.1

These Terms and Conditions represent the entire agreement between you and Copass with respect to your access to or use of any material available on or through the Site, and it supersedes all prior or contemporaneous communications and proposals, whether electronic, oral, or written between you and Copass with respect to same.

18.2

No failure by any Party to exercise, at a given moment, any of its rights or remedies pursuant to these Terms and Conditions shall operate as a waiver thereof or preclude the other or later exercise thereof and/or a request for reparation therefore.

18.3

Each Party is an independent legal entity, both legally and financially, acting in its own name and under its sole responsibility. These Terms and Conditions shall not constitute, represent or create between the Parties, any de facto or legally formed association or company, partnership, or a mandate by one Party to the other, or a commercial agent agreement, or a relationship of subordination.

Consequently, each Party shall refrain from making a commitment in the name and on behalf of the other Party, for which it can on no account substitute itself, and each Party remains solely responsible for its actions. No representation, inducement, promise, understanding, condition or warranty not set forth herein has been made or relied upon by either Party hereto.

18.4

If any provision of these Terms and Conditions is held, now or later, to be invalid or unenforceable, in whole or in part, pursuant to applicable law or as a result of a binding decision of a competent court of jurisdiction, all other provisions hereof shall remain in full force and effect and be unaffected thereby. In such an event, the Parties shall negotiate together as soon as practicable and in good faith in order to replace such provision.

19. Payment solution

You will find hereby further explanations and the terms and conditions of the payment solution integrated and used by Copass, and proceed by Mangopay.

General terms and conditions of use of the electronic money MANGOPAY

Entered into between:

The client, natural capable adult who uses the electronic money issued by Leetchi Corp SA , through MANGOPAY, hereinafter referred to as “You” or the “User”, on the one hand; Leetchi Corp. S.A., société anonyme incorporated under Luxembourg law, with a share capital of 500.000 Euros, having its registered office at 14, rue d’Aldringen, L-1118 Luxembourg and registered in the Luxembourg Trade and Companies Register under number B173459, hereinafter referred to as “Leetchi” or the “Issuer”, on the other hand; and, Hereafter collectively called “Parties”,

Warning Please carefully read the General Terms and Conditions of the MANGOPAY service of the Use of Electronic Money. If you wish to become a User, you must read these General Terms and Conditions of Use and accept them within the context of the registration process. Otherwise, you undertake to leave this website

1. Definitions

For the purposes hereof, the words here after are defined as follows:

API: « Application Programming Interface » means the programming interface made available by the Issuer to the Partner for the proper functioning of the Site.

Bank: Crédit Mutuel Arkéa,ING Luxembourg or any credit institution that has been authorized in a member state of the European Economic Area, which the issuer could replace in the future.

Beneficiary: Person who receives the Electronic Money through a Payment Transaction. It being noted that the Beneficiary can be an online vendor who is a User’s partner accepting the Electronic Money as a means of payment, or a non-profit seeking body, or a natural person or a legal entity.

Credit Card: Debit or credit card, valid in France and not expired, subject to their authorisation by the Issuer (Visa, MasterCard, CB) used in order to pay a Participation.

General Conditions of Use: means this document.

General Conditions of the Website: means the general conditions of use of the Website concluded between the User and the Distributor governing in particular the access to the Website, the conclusion of Transactions generating an Account opening request at the name of the user for the needs of Payment Transactions and the purchase of Electronic Money.

Special Conditions: means the information: to be filled-in by the User for his or her registration with the Site which includes the information necessary to the entering into of this document and regarding, in particular, his or her last name, first name, date of birth, valid email address and password. Such information is provided to the Issuer for the purpose of the account opening.

Account: means the Electronic Money account opened by the Issuer in its books in the name of the User on demand of the Distributor.

Contract: means these General Conditions of Use together with the General Conditions of Sale and the associated Special Conditions.

Distributor(s): means a legal entity owning a Site that wishes to offer to its users the possibility of opening an Account, purchase Electronic Money issued by the Issuer through the Site and to use the Electronic Money in order to make a Payment Transaction to a Beneficiary. Such entity is mandated, for this purpose, by the Issuer to distribute the Electronic Money to the Users of its Site.

Issuer: means Leetchi Corp, issuer of the Electronic Money.

Login: means the data necessary to the identification of a User by the Issuer which includes a User name (valid email address) and a password.

Business day: means a calendar day excepting Saturdays, Sundays, and public holidays in mainland Luxembourg.

MANGOPAY: the API (“Application Programming Interface” or “programming interface”) provided by Leetchi to the Partner to ensure the Website’s proper functioning.

Electronic Money: means the monetary value stored under an electronic support on the Issuer’s server, and representing a receivable over the latter. The Electronic Monetary is issued by the Issuer in exchange for the User’s delivery of the corresponding funds.

Payment Transaction: means the payment of a Beneficiary made by transfer of Electronic Money from a User account to a Beneficiary account.

Withdrawal: means a wire transfer request by the Beneficiary to his/her bank account of the amount of the reimbursement receivable of Electronic Money over the Issuer reduced of potential fees within the limit of the applicable regulation. Reimbursement: means a repayment by the Issuer of all or part of the Electronic Money held by the User. Website: means the web site [indicate the website name] created and managed by the Distributor, which integrates the MANGOPAY solution.

Transaction: means a transaction concluded by a User regarding the General Conditions of the Website and generating a Payment Transaction.

User : Any natural person acting on his or her own behalf and using the Electronic Money issued by the Issuer in order to execute payment Transactions.

Fees: mean the fees owed to the Issuer regarding the issuance and the management of Electronic Money as detailed hereof and within the limits of applicable law.

2. Purpose

The purpose of these General Conditions of Use is to define the conditions on which the Issuer and the Distributor supply to the User the services of issuance , use and management of the Electronic Money issued by the Issuer in return for the payment of the fees defined in the General Conditions of Sale.

These General Conditions of Use, completed the Special Conditions constitute the whole Contract entered into between the Parties regarding issuance, use and management of the Electronic Money issued by the Issuer; they are incorporated by reference to the General Conditions of the Website binding the Distributor and the Issuer regarding the payment modalities The User can, at all times and without any supplemental fees, obtain a copy of these documents on the Website. Only the Contract shall prevail in case of litigation.

3. User Registration

3.1 Necessary and previous conditions to the registration

In order to register, the User must be at least 18 years old and be legally capable throughout the duration of the Contract.

3.2 Registration procedure and creation of a User’s account

At his/her registration, the User shall provide, in particular, his/her last name, first name, email address and date of birth; citizenship; country of residence.

The User must indicate a login, which includes a User name (valid email address) and a password. He/she is solely responsible for maintaining the confidentiality of his/her Login. The User agrees not to use at any time the Accounts, name or User name owned by another User, neither to disclose his/her login to a third party. The User agrees to inform immediately the Issuer, in case he/she suspects a non-authorized use of his/her login at the following email address: [...] [Client service address].

He/she is solely responsible for any use of his/her login.

By accepting these General Conditions of use, you agree that the Distributor processes your registration to the dedicated service of the Issuer, whenever it deems necessary. The creation of your User Account formalises the creation of the contract. The Issuer and the Distributor may give no effect to an application for registration without motivation or right to compensation. The Issuer, through the Distributor, is allowed to request for further information and identification data to the User, and all supporting documents it may consider useful.

The User declares at the registration and throughout the duration of the Contract that: - (a) that he/she is at least 18 years old; - (b) that all information provided during the registration are true, accurate and up-to-date.

3.3 Limitations of the Electronic Money account’s use

As long as the User has not provided the documents required by the Issuer allowing the latter to verify his or her identity, the following limitations will be imposed on the individual User:

• A total amount of 2.500 Euros maximum- Electronic Money owned by a User during one calendar year via the same Website, and • A total amount of 1.000 Euros maximum of reimbursement of Electronic Money during one calendar year via the same Website.

Upon receipt of the following documents subject to such documents be deemed satisfactory by the Issuer, the latter may release the limitations applying to the User:

• The copy of an official and valid identity document : for French citizens a copy of the identity card (double-sided), and for the foreigners residing in France or abroad, the passport;

• If the Beneficiary is not the beneficial owner of the funds, the identity of the beneficial owner with a copy of his or her identity card or his or her passport if he or she is a foreigner, and eventually;

• Proof of residence that may be requested at the discretion of the Issuer. Upon receipt of the following documents subject to such documents being deemed satisfactory by the Issuer, the latter may release the limitations applying to the legal entity User:

• Statutes;

• A recent extract of the register of incorporation.

• The headquarter address and the legal system governing the constitution and the functioning of the company.

• Declaration form of all the beneficial owners owning more than 10% of the shared capital, signed by the managers, and the ID’s of individual beneficial owners.

• ID of the manager or of the duly empowered individual to engage the company.

• The bank details of the company. Upon receipt of the following documents subject to such documents be deemed satisfactory by the Issuer, the latter may release the limitations applying to the organization User:

• Statutes;

• ID of the president of the organization;

• Receipt of statement creation. In addition, it is expressly provided that the Issuer retains the possibility to request the above documents to identify the Users and the beneficial owner of the Account in accordance with applicable regulations from the opening of the account.

4. Functioning of the Account

4.1 Purchase of Electronic Money

The purchase of the Electronic Money may be made by debit or credit card in one or several times. The cash amount paid by the User is collected by the Issuer in exchange of the issuance of units of Electronic Money for a nominal value equivalent and stored on the Account net of issuance and management fees provided for in the General Conditions of Sale.

4.2 Reimbursement due to purchase’s cancellation of Electronic Money

The User who owns Electronic Money may request the repayment of all or part of the Electronic Money (a “Reimbursement”) at any time before any use to the benefit of a Beneficiary. To be valid, a reimbursement has to be requested to the following address: [...] [e-mail address of the client service].

The User must indicate the amount of the reimbursement requested which may be total or partial. The Issuer therefore adjusts the units of Electronic Money issued by him and owned by the User. The Issuer initiates a credit order of the Credit Card within 5 (five) business days following receipt of the request of the User.

4.3 Holding of Electronic Money

The Issuer holds the equivalent amount of Electronic Money on the Account up to: • the date of the Reimbursement, or • the date of completion of a Payment Transaction.

4.4 Use of the Electronic Money in order to realize a payment transaction

The amount of Payment Transactions is charged against the amount of the Electronic Money listed on the account. When the amount of the Electronic Money listed on the account is lower than the price of the Payment Transaction, the User may pay the additional price required by using one of the means of payment accepted by the Website on which the payment transaction is performed. Conversely, when there is a remaining balance of Electronic Money on the Account after the Payment Transaction, it may give rise, further to the decision of the User, to a new Payment Transaction.

The Issuer is not concerned the legal relation that exists between the User and the Beneficiary of the Payment Transaction. The Issuer shall not be held liable for mistakes, defaults or negligence of the User or the Beneficiary towards one another. The Electronic Money is transferred after the execution of a Payment Transaction for the benefit of the Beneficiary.

4.5 Use of Electronic Money received for a Payment Transaction

The Beneficiary may, according to the circumstances and regarding the agreement and/or the General Conditions of Use, immediately use the received Electronic Money to do a new Payment Transaction or ask for a Withdrawal. The Issuer shall then pay the Beneficiary the corresponding sum to a bank account opened in his/her name in the books of a bank having its registered office in the European Economic Area or in a country supported by the Distributor. For this purpose, the Beneficiary must communicate the IBAN number and the SWIFT code or any other information of his/her bank account with his/her address.

The Beneficiary who owns the Electronic Money is deemed to be the beneficial owner of the Reimbursement within the meaning of the regulation. Otherwise, the Beneficiary undertakes to communicate the email address, the date of birth, the nationality and the postal address of the person to whom the Beneficiary shall pay the funds issued of the Reimbursement. The Reimbursement and the corresponding use of funds are realized under the exclusive responsibility of the Beneficiary. When the Beneficiary decides to proceed to a Reimbursement of Electronic Money, fees may be applicable in accordance with the General Conditions of the Website.

4.6 Transmission and execution of a Reimbursement order

When he/she wishes to execute a Reimbursement, the User of the Account proceeds to his/her identification on the Website by filling his/her user name (valid email address) and password. He/she completes the Reimbursement application form in the appropriate section and communicates, as the case may be, the appropriate supporting documents requested by the Issuer. The Reimbursement request becomes irrevocable when the User clicks on the validation tab of the form. The Issuer then sends a confirmation email to the User and then proceeds to the reimbursement transaction following the form.

5. Login objection, challenge of a Payment Order and Reporting

5.1 Login objection

The User must inform the Distributor about the loss or the theft of his/her Login, in case of misuse or unauthorized use of his/her Login or data as soon as he/she becomes aware of this fact in order to block the access to such data. Such a declaration has to be realized:

• by telephone call to the Customer Service of the Distributor at the following number [indicate the Customer Service number] Or

• directly by email at the following email address: [indicate the Customer Service email]. The Issuer through the Distributor will immediately execute the objection request of the Login concerned. The event will be recorded and time stamped. A time stamped objection number will be provided to the User. A written confirmation of the objection request will be sent by the Distributor to the concerned User by email, fax or registered mail. The Issuer is in charge of the file on the administrative level and retains all the data during 18 (eighteen) months. Upon written request of the User and before the expiration of such a deadline, the Issuer will communicate a copy of this objection request. Any objection request shall be confirmed without delay by the concerned User with a declaration signed by this latter, handed over or sent by registered mail, or email, to the Issuer at the post address hereby mentioned in the letterhead or at the following address [Client Service address].

The Issuer and the Distributor shall not be held liable for the consequences of an objection made by fax or email by a person who is not the User.

An objection request is deemed to be done at the date of the effective receipt by the Distributor. In case of theft or fraudulent use of the Login, the Issuer is entitled to request a receipt or a copy of the complaint to the User who is committed to respond as soon as possible.

5.2 Challenge of a Transaction

For any claim concerning transactions executed hereunder by the Issuer, such as a Payment Transaction or any debit taken from or credit transaction made to the User’s Account, regarding especially a purchase of Electronic Money, a Withdrawal or a Reimbursement (hereafter a “Transaction”), the User may contact the Distributor’s Customer Service or write to any address indicated for that purpose in the General Conditions of the Website.

The User who wishes to challenge an unauthorized or poorly performed transaction must transfer his/her request to the Distributor as soon as possible and within 13 months from the date of transfer of Electronic Money (a “Challenge”). The liability of the Issuer shall not be invoked in case of any fault of the User, wilful default or gross negligence to his/her obligations, late transfer of the challenge or in bad faith.

After the validation of the Challenge by the Issuer, the latter will be in charge of re-instating as a temporary credit of Electronic Money units the Electronic Money Account in the condition that it was in before the realisation of the disputed transaction.

5.3 Reporting

The Issuer will maintain in its books the account of Electronic Money within 13 (thirteen) months from the date of each Payment Transaction by Electronic Money in order to deal with any Challenge. The User may obtain online at any time on the Website a detailed statement of his/her Payment Transactions realized by Electronic Money.

After the execution of each Transaction, the User will receive by mail from the Distributor the following information: • a) a reference to identify the relevant Transaction; • b)information concerning the parties involved in the relevant Transaction, as the case may be; • c) the amount of the relevant Transaction and the purpose of the relevant transaction, as the case may be; • d) the date of receipt of the corresponding order and/or the date on which the corresponding amount in Electronic Money is transferred, as the case may be;

6. Amendment to the Contract

The Issuer retains the right to modify the General Conditions of Use at any time. Such amendments are made available by the Distributor to all Users at the address provided at their registrations. Any User may refuse the amendments proposed and must notify his/her refusal to the Distributor’s Customer Service by registered letter with acknowledgement of receipt before the date of effectiveness of the amendments (stamp of postal office as a proof) at the address of the Distributor. In the event of failure to notify his/her refusal before the date of effectiveness, or failing that, before a 7 (seven) day period after they are posted on the Website, the User shall be deemed to have accepted the amendments proposed. The relationship between the Parties after the date of effectiveness shall be governed by the new version of the General Conditions of Use.

It is therefore important that the User reads his/her emails and reads regularly the General Conditions of Use available online on the Site at any time.

In case of refusal by the User of the amendments, he/she has the right to obtain the termination of the General Conditions of Use, without any fees, and the Reimbursement of the units of Electronic Money that he/she owns.

7. Liability of the Issuer under the access to the Site

The Issuer shall not be held liable to the Users for errors, omissions, interruptions or delays of the transactions executed through the Website resulting in an unauthorized access to the Website. Moreover, the Issuer shall not be held liable for thefts, destructions or unauthorized communications of data resulting from unauthorized access to the Website. The Issuer retains the right to temporarily suspend the online access to the Account for technical or maintenance reasons without any compensation. He undertakes to limit this type of interruption to a strictly minimum. The Distributor undertakes to do its best to insure the safety and the confidentiality of the data exchanged under the use of the Website in accordance with the General Conditions of the Website, while the Issuer is in charge of the security and the confidentiality of data it hereby exchanges with the User regarding the creation and the management of the Account and the Transactions concerning this Account.

8. Exemption case of liability of the Issuer

The Issuer does not exercise any control on the compliance, security, legality, characteristics and adequate character of the products or services, which are underlying to the Transactions. In this respect, the User shall collect all the useful information before purchasing the products with full knowledge of the facts. Each purchase made by the User gives rise to a contract directly created between the User and the vendor to which the Issuer is not concerned. Therefore, the latter cannot be held liable for the non-performance or poor performance of the obligations resulting therefore, nor for potential damages caused to the User as such.

Notwithstanding any clause to the contrary in this Contract, the liability of the Issuer towards a User is limited to the repair of damages directly caused by the non-performance of a contractual obligation under this contract.

9. Commitment of the User

The User guarantees that nothing in his/her profile on the Site shall affect third party rights or is contrary to law, public order and good conduct. He/she undertakes not to: • Perform the Contract in an illegal manner or within conditions which may damage, deactivate, overload or affect the Site; • Appropriate illegally the identity of any other person or entity, falsify or withhold your identity, your age or create any false identity; • Distribute personal data or information about a third party, such as postal address, phone number, email address, credit card numbers, etc.;

In case of default to these obligations, the Issuer retains the right to take every appropriated measure in order to stop the concerning behaviour. It therefore retains the right to delete or remove any content or information considered as inappropriate. It can also suspend and cancel his login and block the access to his/her Account.

Without prejudice to proceedings brought by third parties, the Issuer has the right to bring legal action in its own name in order to repair the prejudice personally suffered due to breaches that are attributable to it under this Contract. If the User notes a breach of obligations above mentioned, he/she is invited to report such acts to us by contacting the Customer Service at this following email address: contact@Leetchi-corp.com.

10. Duration of the General Conditions of Use and cancellation

The General Conditions of Use are entered into for an undetermined period of time from the creation of the Login or the express approval of the User by the Issuer. The User can at any time and respecting a notice period of 30 (thirty) calendar days, proceed to the Termination of the General Conditions of Use. Such termination shall constitute also the termination of the entire Contract. In order to accomplish the termination, the User must transmit his/her notice to the Customer Service by registered letter with acknowledgment of receipt at the following postal address: [Distributor’s address]

The User will have to communicate the bank account details allowing the Issuer to reimburse to the User the Electronic Money which is credited to his/her Account. In the absence of such information, the Issuer shall follow the Reimbursement instructions entailing the reimbursement by credit on the Credit Card used for the purchase of the Electronic Money. The Issuer is discharged of any obligation after having confirmed to the User the transfer to the bank account indicated or the credit on the Credit Card of the amount of the Electronic Money reduced of the corresponding fees.

In case of gross default, fraud or lack of payment from it, the Issuer retains the right to suspend these provisions by sending an email accompanied eventually by a registered letter with acknowledgement of receipt. The termination shall entail the removal of the Account, and, as the case maybe the reimbursement of the Users. These Reimbursements may in certain case be blocked according to the legislation of anti-money laundering and financing of terrorism.

The termination of the General Conditions of Use on the initiative of the Issuer cannot entail any right to compensation to the benefit of the User, the Distributor or the Beneficiary.

11. Right of withdraw

The User has a deadline of 14 (fourteen) calendar days to pursue his/her right of withdrawal, without having to neither justify any motive nor sustain any penalty. This deadline for withdrawal shall be computed from the day of its registration as a User. The User must notify his/her request of withdrawal within the deadline prescribed to the Customer Service of the Distributor by telephone or by email and submit a confirmation letter at the postal address of the Customer Service of the Distributor.

12. Rules regarding Anti-money laundering and combating the financing of terrorism

The Issuer is subject to the entire French and Luxembourg legislation regarding anti-money laundering and combating the financing of terrorism.

In application of the provisions of French and Luxembourg law, relating to the participation of financial institutions in the anti-money laundering and combating the financing of terrorism, the Issuer must obtain information from any User for any transaction or business relationship of the origin, purpose and destination of the transaction or the opening of an account. In addition, it must make all the audit necessary to the identification of the User and, as the case maybe the effective Beneficiary. The latter undertakes to make all audit to allow the Issuer to realize a close examination of the transaction, to inform him/her about any exceptional transaction compared to the usual transactions registered under these rules and to provide him/her with any document or information required.

The User recognizes that the Issuer can stop or delay at any time the use of a login, the access to an Account or the execution of a transaction or a Reimbursement in the absence of sufficient element about its purpose or nature. He/She is informed that a transaction executed under these rules may be subject to the exercise of the right to communicate to the national financial intelligence unit.

The User can, in accordance with the legislation, access all this information communicated subject to such right of access does not challenge the purpose of anti-money laundering and combating the financing of terrorism, where this data concerns the claimant.

No pursuit and no action of tort can be brought or professional sanction taken against the Issuer, its managers or agents who have reported their suspicions in good faith to the national authority.

13. Personal data and obligation of confidentiality

The User agrees that contact details and personal information about him/her be communicated to the companies of the group to which the Issuer belongs as well as operational service with whom it is in a contractual relationship for the purpose of the execution of transactions and services offered subject to the third parties recipients of personal data be subject to rules ensuring adequate level of protection as defined in the French and Luxembourg Law. The list of the third parties recipients of information protected by the obligation of confidentiality is available by simple request from the conformity manager of the Issuer. This information is stored by the latter or by any company authorized to do so, in accordance with legal and regulatory rules.

He/she may at any time object to receiving commercial solicitation, have his or her contact details amended, object to their disclosure by notifying by registered letter or e-mail followed by a request of receipt to the customer service of the Issuer. This letter shall indicate his/her last name, first name and Login. In accordance with the applicable regulation, such letter must also be signed, accompanied with the photocopy of an identity document containing the signature of the User and indicate the address where he/she wishes to receive the response. A response will be sent to the address indicated within a period of 2 (two) months following the receipt of the request.

The Issuer will store the information and personal data within the maximum legal or regulatory period applicable depending on the purpose of each data processing.

The conditions of collection, possession and access to personal data collected by the Issuer and under its responsibility regarding the access to the Website, are governed by the General Conditions of the Website and the privacy policy, which is published on the Website.

14. Inactive account

The Issuer and the Distributor have the right to close Accounts that have been inactive for more than 24 months. Please refer to the Distributor’s terms and conditions.

15. Force majeure

The Parties shall not be held liable or considered to have failed under these rules in case of late or non- performance when their cause is related to a force majeure situation as defined by the case law of the French courts.

16. Independance of contractual rules

If any provision of these rules is considered null or without object, it will be deemed to be unwritten and will not entail the nullity of the other provisions.

If one or several provisions of these rules become lapsed or are considered lapsed further to the application of a law, a regulation or following a final decision granted by a competent jurisdiction, the other provisions will keep their binding force and scope. The provisions declared null and void will be replaced by provisions which will approximate the most with respect to their meaning and scope from the originally agreed provisions.

17. Protection of deposits

The funds of the Users are deposited at the end of each business day in an account opened with a Bank and are ring fenced by it.

18. Unassignability

The Contract shall not be subject to a total or partial transfer by the User, for valuable consideration or for free. It is further prohibited to transfer to a third party any rights or obligations that it owns under these rules. In case of breach of this prohibition, in addition to the termination of these rules, its liability may be triggered by the Issuer or the Distributor.

19. Fees

The fees related to the creation and management services of the account are invoiced by the Issuer and are included in the fees indicated in the General Conditions of the WebSite.

20. Agreement of proof

All data included in a permanent, reliable and secure manner in the computer database of the Issuer relating, in particular, to the payment orders and confirmations received by the User, to the notices sent, access, Withdrawal, Reimbursement will prevail between the parties until proven otherwise.

21. Application Law and competent jurisdiction

Save for the case of application of a public policy law (which will apply within the strict limits of its purpose), it is expressly stipulated that the Contract is subject to French law and that any litigation between the Parties under this latter shall be subject to the jurisdiction of the competent French courts.

Please find bellow the french version of MANGOPAY Terms and Conditions in reference to the use of COPASS Platform :

Conditions Générales d’Utilisation du service MANGOPAY et d’utilisation de la monnaie électronique.

Conclues entre :

Le client, personne physique majeure capable, utilisant la monnaie électronique émise par Leetchi Corp. S.A à travers la solution MANGOPAY., en son propre nom ou pour le compte d’une personne morale ou une association, ci-après dénommé « Vous » ou l’« Utilisateur », d’une part ;
Leetchi Corp. S.A., société anonyme de droit luxembourgeois, au capital de 500 000 euros, dont le siège social est situé 14 rue Aldringen, L-1118 Luxembourg. et immatriculée au registre du commerce et des sociétés luxembourgeois sous le numéro B173459, ci-après dénommée « Leetchi » ou « l’Emetteur », d’autre part ; et, Ci-après ensemble dénommées les « Parties »,

Avertissement Veuillez lire attentivement les présentes Conditions Générales du service MANGOPAY et d'Utilisation de la Monnaie Electronique. Si vous souhaitez devenir Utilisateur, Vous devez lire les présentes Conditions Générales d'Utilisation et les accepter dans le cadre du processus d'inscription. Vous déclarez que vous êtes résident en France. Le cas échéant, vous vous engagez à quitter le site réservé à ces utilisateurs et à vous connecter sur le site correspondant à votre pays de résidence sur lequel vous trouverez les conditions générales d’utilisation qui vous sont applicables.

1. Définitions

Pour les besoins des présentes, les termes ci-après sont définis comme suit :

MANGOPAY : désigne l’interface de programmation API « Application Programming Interface mis à la disposition du Partenaire par l’Emetteur pour les besoins de la mise en œuvre sur le Site d’une fonctionnalité de paiement par émission de Monnaie Electronique.

Banque : Crédit Mutuel Arkéa et ING Luxembourg ou tout autre établissement de crédit agréé dans un pays membre de l’Espace Economique Européen, que l’Emetteur pourrait lui substituer à l'avenir.

Bénéficiaire : Personne au profit de laquelle est transférée la Monnaie Electronique dans le cadre d’une Opération de Paiement. Il est précisé que le Bénéficiaire peut être un Utilisateur partie à une Transaction ou le cas échéant, dans le cadre d’un éventuel programme caritatif du Distributeur prévu aux termes des Conditions Générales du Site, un organisme à but non lucratif.

Carte Bancaire : Carte de paiement ou de crédit, valable en France et en cours de validité, sous réserve de leur acceptation par l’Emetteur (Visa, MasterCard, CB).

Conditions Générales d’Utilisation : Désignent le présent document.

Conditions Générales du Site : Désignent les conditions générales d’utilisation du Site conclues entre l’Utilisateur et le Distributeur, régissant notamment l’accès au Site et la conclusion de Transactions donnant lieu à la demande d’ouverture d’un Compte au nom de l’Utilisateur pour les besoins d’Opérations de Paiement et à l’achat de Monnaie Electronique. Conditions Particulières: Désigne les informations communiquées par l’Utilisateur lors de son inscription au Site et contenant les informations nécessaires à la conclusion des présentes et à la gestion de son Compte : son nom, prénom, date de naissance, adresse email valide, mot de passe. Ces informations sont transmises à l’Emetteur en vue de l’ouverture d’un Compte

Commission : Désigne la commission due par l’Utilisateur au Distributeur au titre d’une Transaction

Compte : Désigne le compte de Monnaie Electronique ouvert par l’Emetteur dans ses livres au nom de l’Utilisateur sur demande du Distributeur

Contrat : Désigne le contrat conclu entre l’Emetteur et l’Utilisateur en présence du Distributeur, composé des présentes Conditions Générales d’Utilisation et des Conditions Particulières qui lui sont associées.

Distributeur : Désigne COPASS, exploitant le Site et offrant à ses utilisateurs la possibilité d’ouvrir un Compte, d’acquérir de la Monnaie Electronique émise par l’Emetteur par l’intermédiaire du Site et d’utiliser la Monnaie Electronique en vue de réaliser une Opération de Paiement auprès d’un Bénéficiaire. Le Distributeur est mandaté à cet effet par l’Emetteur pour distribuer la Monnaie Electronique auprès des utilisateurs du Site.

Emetteur : Désigne Leetchi Corp. SA, émetteur de la Monnaie Electronique agréé à ce titre au Luxembourg par la Commission de Surveillance du Secteur Financier sous les références n°3812

Identifiant : Désigne les données nécessaires à l’identification d’un Utilisateur par l’Emetteur se composant d'un User (adresse email valide) et d'un mot de passe.

Jour Ouvré : Désigne un jour calendaire à l’exception des samedis, dimanches, et jours fériés en France métropolitaine.

Monnaie Electronique : Désigne la valeur monétaire stockée sous une forme électronique sur le serveur de l’Emetteur et représentant une créance de l’Utilisateur sur ce dernier. La Monnaie Electronique est émise par l’Emetteur contre la remise des fonds correspondants par l’Utilisateur.

Opération de paiement : Désigne le paiement d’un Bénéficiaire par transfert de Monnaie Electronique d’un Compte d’un Utilisateur à un Compte d’un Bénéficiaire

Retrait : Désigne une demande de virement sur son compte bancaire par le Bénéficiaire de tout ou partie du montant de sa créance de Monnaie Electronique sur l’Emetteur, diminué le cas échéant des Frais applicables, et en tout état de cause dans la limite de la réglementation applicable.

Remboursement(s) : Remboursement par l’Emetteur de tout ou partie de la créance de Monnaie Electronique détenue par un Utilisateur.

Site : Désigne le site internet copass.org exploité par le Distributeur intégrant la solution MANGOPAY.

Transaction : transaction conclue par un Utilisateur dans les conditions visées aux Conditions d’Utilisation du Site et donnant lieu à Opération de paiement.

Utilisateur : Toute personne physique agissant pour son compte et utilisant la Monnaie Electronique émise par l’Emetteur afin de réaliser des Opérations de paiement.

Frais : désigne les frais dus à l’Emetteur au titre de l’émission et de la gestion de Monnaie Electronique dans le cadre des présentes, dans la limite de la réglementation applicable.

2. Objet

Les présentes Conditions Générales d’Utilisation ont pour objet de définir les conditions dans lesquelles l’Emetteur fournit à l’Utilisateur les services d’émission, utilisation et gestion de la Monnaie Electronique émise par l’Emetteur, pour les besoins des Opérations de Paiement, en contrepartie du versement des Frais.

Les présentes Conditions Générales d’Utilisation, complétées par les Conditions Particulières, constituent l'intégralité du Contrat conclu entre les Parties au titre de l’émission, de l’utilisation et de la gestion de la Monnaie Electronique émise par l’Emetteur ; elles sont incorporées par référence aux Conditions Générales du Site liant le Distributeur et l’Utilisateur au titre des modalités de paiement afférentes aux Transactions.

L’Utilisateur peut à tout moment et sans frais se procurer une copie de ces documents en se rendant sur le Site. Seul le Contrat fera foi entre les Parties en cas de litige.

3. Inscription de l’Utilisateur

3.1 Conditions nécessaires et préalables à l’inscription

Afin de s’inscrire, l’Utilisateur doit être une personne physique âgée d’au moins 18 (dix-huit) ans et être juridiquement capable. Il déclare agir pour son compte pendant toute la durée du Contrat.

3.2 Procédure d’inscription et d’ouverture d’un Compte d’Utilisateur

Lors de son inscription, l’Utilisateur devra notamment transmettre son nom, prénom, adresse mail et date de naissance ; nationalité ; pays de résidence.

L’Utilisateur devra indiquer un Identifiant, composé d'un User (adresse email valide) et un mot de passe. Il est entièrement responsable du maintien de la confidentialité de son Identifiant. Il accepte de ne pas utiliser les Comptes, nom ou Identifiant d'un autre utilisateur à aucun moment, ni de divulguer son Identifiant à un tiers. Il accepte d'avertir immédiatement le Distributeur, dans le cas où il soupçonne une utilisation non autorisée de son Identifiant à l’adresse suivante : ; info@copass.org [Adresse service Client]. Il est seul responsable de toute utilisation de son Identifiant.

En acceptant les présentes Conditions Générales d’Utilisations, vous acceptez que le Distributeur réalise votre inscription au service de l’Emetteur dès qu’il le jugera nécessaire. La création de votre Compte Utilisateur formalise la formation du Contrat. L’Emetteur et le Distributeur pourront, sans motivation, ni droit à indemnité pour l’Utilisateur, ne pas donner suite à une demande d’inscription. L’Emetteur se réserve à tout moment le droit de demander, par l’intermédiaire du Distributeur, des informations et données d’identification complémentaires, ainsi que toutes pièces justificatives qu’il estimera utiles.

L’Utilisateur déclare au moment de son inscription et pendant toute la durée du Contrat : - (a) qu’il est âgé d'au moins 18 (dix-huit) ans ; - (b) que toutes les informations fournies lors de son inscription sont sincères et exactes et à jour.

3.3 Limites d’utilisation du Compte de Monnaie Electronique

Tant que l’Utilisateur n’aura pas transmis les documents visés ci-après requis par l’Emetteur et lui permettant de contrôler son identité, les limites suivantes s’imposeront à l’Utilisateur : - un montant total de 2.500 euros maximum de Monnaie Electronique détenue par un Utilisateur au cours d’une même année civile par l’intermédiaire du même Site, et - un montant total de 1.000 euros maximum de remboursement de Monnaie Electronique au cours d’une même année civile par l’intermédiaire du même Site.

A réception des documents suivants sous réserve qu’ils soient jugés satisfaisants par l’Emetteur, celui-ci pourra débloquer les limites applicables à l’Utilisateur personne physique : • une copie d’un document officiel d’identité en cours de validité : pour les citoyens français, carte d’identité française (recto-verso), pour les étrangers résidant en France ou à l’étranger, passeport, • si le Bénéficiaire n’est pas le bénéficiaire effectif des fonds, l’identité du bénéficiaire effectif avec une copie de sa pièce d’identité française ou de passeport si le bénéficiaire effectif est étranger, et éventuellement, • un justificatif de domicile qui pourra être demandé à la discrétion de l’Emetteur.

A réception des documents suivants sous réserve qu’ils soient jugés satisfaisants par l’Emetteur, celui-ci pourra débloquer les limites applicables à l’Utilisateur personne morale: o les statuts o un extrait récent du registre de commerce, o l’adresse du siège social et droit régissant la constitution et le fonctionnement de la société, o justificatif d’identité du dirigeant ou de la personne ayant pouvoir pour engager la société dans le cadre des opérations réalisées. o un relevé d’identité bancaire au nom de la société, o Déclaration de l’ensemble des bénéficiaires économiques détenant plus de 10% du capital, signé par le ou les dirigeants et obtention d’une pièce justificative d’identité des bénéficiaires effectifs personnes physiques pourra être demandé à la discrétion de l’Emetteur.

A réception des documents suivants sous réserve qu’ils soient jugés satisfaisants par l’Emetteur, celui-ci pourra débloquer les limites applicables à l’Utilisateur association: o Les statuts o Justificatif d’identité du Président de l’association o Récépissé de déclaration de création.

En outre, il est expressément prévu que l’Emetteur se garde la possibilité de demander les documents précités permettant d’identifier l’Utilisateur et le bénéficiaire effectif du Compte conformément à la réglementation applicable dès l’ouverture du Compte.

4. Fonctionnement d'un Compte

4.1 Achat de Monnaie Electronique

L’acquisition de Monnaie Electronique peut être réalisée, par carte bancaire ou tout autre moyen de paiement disponible à travers la solution MangoPay, en une ou plusieurs fois. Le montant en numéraire versé par l’Utilisateur est collecté par l’Emetteur en contrepartie d’émission d’unités de Monnaie Electronique pour une valeur nominale équivalente et stockée sur le Compte de l’Utilisateur, déduction faite des frais définis dans les Conditions Générales du Site.

4.2 Remboursement lié à l’annulation d’achat de Monnaie Electronique

L’Utilisateur détenteur de la Monnaie Electronique peut demander le Remboursement de tout ou partie de la Monnaie Electronique à tout moment avant toute utilisation au profit d’un Bénéficiaire. Un Remboursement doit être valablement demandé par email à l'adresse info@copass.org [Adresse mail Service Client]

Il doit indiquer le montant du Remboursement demandé qui peut être partiel ou total. L’Emetteur ajuste, en conséquence, le nombre d’unités de Monnaie Electronique émises par lui et détenues par l’Utilisateur sur le Compte. L’Emetteur initie un ordre de crédit de la Carte Bancaire dans un délai de 5 (cinq) Jours Ouvrés suivants la réception de la demande de l’Utilisateur.

4.3 Détention de Monnaie Electronique

Le montant de Monnaie Electronique est détenu, à due concurrence, par l’Utilisateur sur le Compte : • jusqu’à la date de Remboursement, ou • jusqu'à la date de réalisation d’une Opération de paiement.

4.4 Utilisation de la Monnaie Electronique en vue de réaliser une Opération de paiement

Le montant des Opérations de paiement vient s’imputer sur le montant de Monnaie Electronique inscrite sur le Compte. Lorsque le montant ainsi inscrit est inférieur au prix de l’Opération de Paiement, l’Utilisateur peut s’acquitter du complément de prix nécessaire en utilisant l’un des moyens de paiement acceptés le cas échéant par le Site. A l’inverse, lorsqu’il existe un solde résiduel de Monnaie Electronique sur le Compte, après l’Opération de Paiement, ce dernier peut donner lieu, suivant la décision de l’Utilisateur à une nouvelle Opération de Paiement.

L’Emetteur demeure étranger au lien de droit existant entre l’Utilisateur et le Bénéficiaire de l’Opération de paiement. L’Emetteur ne saurait être tenu responsable des fautes, manquements ou négligence de l’Utilisateur ou du Bénéficiaire l’un envers l’autre.

La Monnaie Electronique est transférée à la suite de l’exécution d’une Opération de paiement au profit du ou des Bénéficiaires.

4.5 Utilisation de la Monnaie Electronique reçue au titre d’une Opération de Paiement

Le Bénéficiaire peut selon le cas et dans les conditions fixées par le Contrat et/ou les Conditions Générales du Site, utiliser immédiatement la monnaie eléctronique reçue pour effectuer une nouvelle Opération de Paiement ou formuler une demande de Retrait.

Dans ces hypothèses l’Emetteur verse au Bénéficiaire la somme correspondante sur un compte bancaire ouvert à son nom dans les livres d’une banque dont le siège social est situé dans l’Espace Economique Européen ou tous autres pays supportés par le Distributeur. Le Bénéficiaire doit à cet effet fournir le numéro IBAN et le code SWIFT ou toutes autres informations du compte bancaire dont il est titulaire ainsi que son adresse.

Le Bénéficiaire détenteur de la Monnaie Electronique est réputé être le bénéficiaire effectif du Retrait au sens de la réglementation. Le cas échéant, le Bénéficiaire s’engage à renseigner l’adresse mail, la date de naissance, la nationalité ainsi que l’adresse postale de la personne à qui le Bénéficiaire remettra les fonds issus du Retrait. Le Retrait ainsi que l’utilisation des fonds correspondants sont réalisés sous la responsabilité exclusive du Bénéficiaire. Lorsque le Bénéficiaire décide de procéder à un Retrait , des Frais pourront lui être applicables conformément aux Conditions Générales du Site.

4.6 Transmission et exécution d’un ordre de Remboursement

Lorsqu’il souhaite effectuer un Remboursement, l’Utilisateur du Compte procède à son identification sur le Site en indiquant son User (adresse mail valide) et son mot de passe. Il remplit le formulaire de demande de Remboursement dans la section adéquate et communique le cas échéant les pièces justificatives demandées par l’Emetteur. La demande de Remboursement devient irrévocable, lorsque l’Utilisateur clique sur l’onglet de validation du formulaire. Le Distributeur adresse alors un email de confirmation à l’Utilisateur, puis procède à l’opération de Remboursement suivant le formulaire.

5 Opposition d’Identifiant contestation d’Opération et Reporting

5.1 Opposition d’Identifiant

L’Utilisateur doit informer le Distributeur de la perte ou du vol de son Identifiant, du détournement ou de toute utilisation non autorisée de celui-ci ou de ses données dès qu’il en a connaissance afin d’en demander le blocage. Cette déclaration doit être réalisée directement par message électronique à l’adresse suivante : info@copass.org [Adresse mail Service Client]

L’Emetteur par l’intermédiaire du Distributeur exécutera immédiatement la demande de mise en opposition de l’Identifiant concerné. L’événement sera enregistré et horodaté. Un numéro d’opposition avec horodatage sera communiqué à l’Utilisateur. Une confirmation écrite de cette mise en opposition sera adressée par le Distributeur à l’Utilisateur concerné par message électronique. L’Emetteur prend en charge le dossier sur le plan administratif et conserve toutes les traces pendant 18 (dix-huit) mois. Sur demande écrite de l’Utilisateur et avant l’expiration de ce délai, l’Emetteur communiquera une copie de cette opposition.

Toute demande d’opposition doit être confirmée sans délai par l’Utilisateur concerné, par lettre signée de ce dernier, remise ou expédiée sous pli recommandé, ou email, à l’Emetteur à l’adresse postale en tête des présentes ou à l’adresse [Adresse mail Service Client]

L’Emetteur et le Distributeur ne sauraient être tenus pour responsable des conséquences d’une opposition par télécopie ou courriel, qui n’émanerait pas de l’Utilisateur.

Une demande d’opposition est réputée faite à la date et à l’heure de réception effective de la demande par le Distributeur. En cas de vol ou d’utilisation frauduleuse de l’Identifiant, l’Emetteur est habilité à demander par l’intermédiaire du Distributeur, un récépissé ou une copie du dépôt de plainte à l’Utilisateur qui s’engage à y répondre dans les plus brefs délais.

5.2 Contestation d’une Opération

Pour toute réclamation relative aux opérations réalisées par l’Emetteur dans le cadre des présentes, telles qu’une Opération de Paiement ou toute opération de débit ou de crédit du Compte de l’Utilisateur au titre notamment d’un Achat de Monnaie Electronique, d’un Retrait ou d’un Remboursement (une « Opération »), l’Utilisateur est invité à s’adresser au service client du Distributeur ou à l’adresse indiquée à cet effet dans les Conditions Générales du Site.

L’Utilisateur qui souhaite ainsi contester une Opération qu’il estime non autorisée ou mal exécutée doit transmettre sa demande au Distributeur dans les plus brefs délais et avant l’expiration d’un délai de 13 (treize) mois à compter de la date de l’Opération en question (une « Contestation »).

La responsabilité de l’Emetteur et du Distributeur ne sauraient en aucun cas être engagée en cas de faute de l’Utilisateur, de manquement intentionnel ou constitutif d’une négligence grave à ses obligations, de transmission tardive d’une Opposition ou d’une Contestation ou de mauvaise foi.

Après validation d’une Contestation par l’Emetteur, ce dernier veillera à rétablir sous forme d’un crédit temporaire en unités de Monnaie Electronique le Compte de Monnaie Electronique de l’Utilisateur dans l’état dans lequel il était avant la réalisation de l’Opération contestée.

5.3 Reporting

L’Emetteur maintiendra dans ses livres le Compte de l’Utilisateur pendant une durée résiduelle de 13 (treize) mois à compter de la date de chaque Opération de Paiement afin de permettre à l’Utilisateur de formuler d’éventuelles Contestations. L’Utilisateur peut à tout moment obtenir, en ligne sur le Site, un état détaillé des Opérations de Paiement qu’il a réalisées.

Après l’exécution de toute Opération, l’Utilisateur recevra par courrier du Distributeur les informations suivantes : • - a) Une référence permettant d'identifier l'Opération concernée ; • - b) Le cas échéant, les informations relatives aux parties impliquées dans l’Opération ; • - c) Le montant de l'Opération concernée ainsi que, le cas échéant, l’objet de l’Opération réalisée ; • - d) Le montant détaillé des Frais applicables le cas échéant ; • - e) Le cas échéant, la date de réception de l'ordre correspondant et/ou la date à laquelle est exécuté le transfert de Monnaie Electronique correspondant.

6. Modification du Contrat

L’Emetteur se réserve le droit, à tout moment, de modifier les Conditions Générales d’Utilisation. Elles sont rendues accessibles par le Distributeur à tous les Utilisateurs à l’adresse fournie lors de leur inscription. Tout Utilisateur peut refuser les modifications proposées et doit notifier son refus au Service Client du Distributeur par lettre recommandée avec avis de réception avant la date d’entrée en vigueur des modifications proposées (cachet de la Poste faisant foi) à [Adresse Distributeur] défaut d’avoir notifié son refus avant la date d’entrée en vigueur indiquée, ou, à défaut, avant un délai de [7] jours à compter de leur mise en ligne sur le Site, l’Utilisateur est réputé accepter les modifications proposées. Les relations entre les Parties après la date d’entrée en vigueur seront alors régies par la nouvelle version des Conditions Générales d’Utilisation.

Il est par conséquent important que l’Utilisateur consulte ses emails et lise régulièrement les Conditions Générales d’Utilisation accessibles en ligne sur le Site à tout moment. En cas de refus par l’Utilisateur, ce refus donnera lieu, sans frais, la résiliation des Conditions Générales d’Utilisation, ainsi qu’au Remboursement des unités de Monnaie Electronique lui appartenant.

7. Responsabilité de l’Emetteur au titre de l'accès au Site

L’Emetteur ne saurait être tenu responsable à l’égard de l’Utilisateur des éventuelles erreurs, omissions, interruptions ou retards des opérations réalisées via le Site résultant d’un accès non autorisé à ce dernier. L’Emetteur ne saurait d’avantage être tenu responsable des vols, destructions ou communications non autorisées de données résultant d’un accès non autorisé au Site.

L’Emetteur se réserve le droit de suspendre temporairement l'accès au Compte en ligne pour des raisons techniques ou de maintenance sans que ces opérations n'ouvrent droit à une quelconque indemnité. Il s'engage à limiter ce type d'interruptions au strict nécessaire.

Le Distributeur est seul responsable de la sécurité et de la confidentialité des données échangées dans le cadre de l'utilisation du Site conformément aux Conditions Générales du Site, l’Emetteur étant responsable de la sécurité et de la confidentialité des données qu’il échange avec l’Utilisateur dans le cadre des présentes au titre de la création et de la gestion de son Compte, ainsi que des Opérations afférentes au Compte.

8. Cas d’exclusion de responsabilité de l’Emetteur

L’Emetteur n'intervient en aucune manière dans les Transactions. L’Emetteur n'exerce aucun contrôle sur la conformité, la sécurité, la licéité, les caractéristiques et le caractère approprié des produits objet d’une Transaction. A cet égard, il appartient à l’Utilisateur de prendre toutes les informations utiles avant de procéder à une Transaction en toute connaissance de cause. Chaque Transaction réalisée par l’Utilisateur donne naissance à un contrat directement formé entre lui et le ou les Bénéficiaires auquel l’Emetteur est étranger. Ce dernier ne pourra en conséquence être tenu responsable de l’inexécution ou de la mauvaise exécution des obligations qui en résulte, ni des préjudices éventuels causé à l’Utilisateur à ce titre.

Nonobstant toute disposition contraire dans le présent Contrat, la responsabilité de l’Emetteur à l’égard d’un Utilisateur est limitée à la réparation des dommages directs causés par l’inexécution d’une obligation contractuelle prévue aux présentes.

9. Engagements de l’Utilisateur

L’Utilisateur garantit qu’aucun élément de son profil sur le Site ne porte atteinte aux droits de tiers ni n'est contraire à la loi, à l’ordre public et aux bonnes mœurs. Il s’engage à ne pas : • Exécuter le Contrat d’une manière illégale ou dans des conditions susceptibles d'endommager, de désactiver, de surcharger ou d'altérer le Site ; • Usurper l'identité d'une autre personne ou entité, falsifier ou dissimuler son identité, son âge ou créer une fausse identité quelconque ; • Diffuser des données ou informations personnelles relatives à un tiers, telles que des adresses postales, numéros de téléphone, adresses électroniques, numéros de cartes bancaire, etc.

En cas de manquement à ces obligations, l’Emetteur se réserve le droit de prendre toute mesure appropriée afin de faire cesser les agissements concernés. Il sera également en droit de suspendre, supprimer et/ou bloquer son accès au Compte. Sans préjudice des actions judiciaires engagées par des tiers, l’Emetteur est en droit d’exercer à titre personnel toute action en justice visant à réparer les préjudices qu’il aurait personnellement subis du fait des manquements qui lui sont imputables au titre du présent Contrat.

Si l’Utilisateur constate un manquement aux obligations précitées, il est invité à signaler à l’Emetteur ces agissements en contactant le service client à contact@Leetchi-corp.com.

10. Durée des Conditions Générales d’Utilisation et résiliation

Les Conditions Générales d’Utilisation sont conclues pour une durée indéterminée à compter de la réception par l’Utilisateur de l’email de confirmation de son inscription. L’Utilisateur peut à tout moment et moyennant le respect d’un préavis de 30 (trente) jours calendaires, procéder à la résiliation des Conditions Générales d’Utilisation. Cette résiliation emporte résiliation de l’ensemble du Contrat et en conséquence fermeture du Compte. L’Utilisateur doit, pour ce faire, adresser sa notification de résiliation des présentes au service client, par lettre recommandée avec accusé de réception, à l’adresse postale suivante : [Adresse Distributeur]

L’Utilisateur devra désigner les coordonnées de son compte bancaire permettant à l’Emetteur de rembourser à l’Utilisateur la Monnaie Electronique figurant au crédit de son Compte. En l’absence d’indication, il appartient à l’Emetteur de suivre les instructions de Remboursement impliquant le remboursement par crédit de la Carte Bancaire ayant servi à l’acquisition de la Monnaie Electronique. L’Emetteur est déchargé de toute obligation dès lors qu’il aura confirmé à l’Utilisateur le virement sur le compte bancaire indiqué ou le crédit sur sa Carte Bancaire du montant de Monnaie Electronique.

En cas de nomination d’un successeur de l’Emetteur pour émettre la Monnaie Electronique distribuée sur le Site, il appartient au Distributeur de recueillir l’accord express et écrit de l’Utilisateur sur ce changement et d’indiquer à l’Emetteur les modalités de transfert des fonds correspondants à la Monnaie Electronique diminués des frais applicables.

En cas de manquement grave, fraude, ou impayés de la part de l’Utilisateur, l’Emetteur se réserve le droit de suspendre ou résilier les présentes par l’envoi d’un email accompagné en cas de résiliation d’une lettre recommandée avec avis de réception. La résiliation entraine la suppression du Compte, le cas échéant le Remboursement de l’Utilisateur. Ces Remboursements pourront dans certains cas être bloqués conformément à la législation en matière de lutte contre le blanchiment de capitaux et le financement du terrorisme.

La résiliation des Conditions Générales d’Utilisation à l’initiative de l’Emetteur ne peut entrainer aucun droit à indemnité au profit de l’Utilisateur, du Distributeur ou du Bénéficiaire.

11. Droit de rétractation

L’Utilisateur dispose d’un délai de 14 (quatorze) jours calendaires révolus pour exercer son droit de rétractation, sans avoir à justifier de motif ni supporter de pénalité. Ce délai de rétractation commence à courir à compter du jour de son inscription en tant qu’Utilisateur.

L’Utilisateur doit notifier sa demande de rétractation dans le délai imparti au service client du Distributeur par téléphone ou par email et adresser un courrier de confirmation à l’adresse du service client du Distributeur Au titre de l’exercice de son droit de rétractation, le Contrat sera résilié sans frais dans les conditions et sous les réserves prévues aux articles L.121-20-8 et suivants du Code de la consommation.

12. Règles de lutte contre le blanchiment et le financement du terrorisme

L’Emetteur est soumis à l’ensemble de la réglementation luxembourgeoise et française relative à la lutte contre le blanchiment et le financement du terrorisme.

En application des dispositions de droit français et luxembourgeois, relatifs à la participation des organismes financiers à la lutte contre le blanchiment des capitaux et le financement des activités terroristes, l’Emetteur est tenu de s’informer auprès de tout Utilisateur pour toute opération ou relation d’affaires de l’origine, de l’objet et de la destination de l’opération ou de l’ouverture du compte. Il doit, par ailleurs, réaliser toutes les diligences nécessaires à l’identification de l’Utilisateur et le cas échéant, du bénéficiaire effectif du Compte et/ou des Opérations liées à celui-ci. L’Utilisateur s’engage à faire toute diligence pour permettre à l’Emetteur d’effectuer un examen approfondi de l’opération, à l’informer de toute opération exceptionnelle par rapport aux opérations habituellement enregistrées dans le cadre des présentes et à lui fournir tout document ou information requis.

L’Utilisateur reconnaît que l’Emetteur peut mettre un terme ou reporter à tout moment l’usage d’un identifiant, l’accès à un Compte ou l’exécution d’une opération ou d’un Remboursement en l’absence d’élément suffisant sur son objet ou sa nature. Il est informé qu’une opération réalisée dans le cadre des présentes peut faire l’objet de l’exercice du droit à la communication de la cellule de renseignement financier nationale.

L’Utilisateur peut, conformément à la réglementation, accéder à toutes les informations ainsi communiquées sous réserve que ce droit d’accès ne remette pas en cause la finalité de lutte contre le blanchiment des capitaux et le financement du terrorisme lorsque ces données sont relatives au demandeur.

Aucune poursuite et aucune action en responsabilité civile ne peut être intentée ni aucune sanction professionnelle prononcée contre l’Emetteur, ses dirigeants ou ses préposés qui ont fait de bonne foi les déclarations de soupçon auprès de leur autorité nationale.

13. Données à caractère personnel et secret professionnel

L’Utilisateur accepte que les coordonnées et informations nominatives le concernant recueillies par l’Emetteur dans le cadre des présentes soient transmises aux sociétés du groupe auquel appartiennent l’Emetteur ainsi qu’aux prestataires opérationnels avec lesquelles celui-ci est en relation contractuelle aux fins d’exécution des transactions et services proposés sous réserve que ces tiers destinataires des données à caractère personnel soient soumis à une réglementation garantissant un niveau de protection suffisante tel que défini à l’article 561-7 II b du Code Monétaire et Financier. La liste des tiers destinataires d’informations couvertes par le secret professionnel est accessible sur simple demande auprès du responsable de la conformité de l’Emetteur. Ces informations sont conservées par lui ou toute société mandatée à cet effet, dans les conditions légales et réglementaires.

Certaines informations recueillies et détenues par l’Emetteur dans le cadre des présentes peuvent donner lieu à l’exercice du droit d’accès et de rectification dans les conditions prévues par la loi n°78-17 du 6 janvier 1978 modifiée relative à l’informatique, aux fichiers et aux libertés. Tout Utilisateur peut à tout moment obtenir une copie des informations le concernant sur simple demande adressée au correspondant CNIL de l’Emetteur. Il peut solliciter à cette même adresse une suppression ou une rectification de ces informations par écrit. Il peut à tout moment s’opposer à la réception de sollicitations commerciales, faire modifier ses coordonnées, s’opposer à leur communication en adressant une notification par courrier recommandée ou courriel suivie d’un accusé de réception à l’adresse du service client de l’Emetteur. Ce courrier devra indiquer nom, prénom, et Identifiant. Conformément à la réglementation en vigueur, il doit également être signé, accompagné de la photocopie d’un titre d’identité portant la signature de l’Utilisateur et préciser l’adresse à laquelle il souhaite recevoir la réponse. Une réponse lui sera adressée à l’adresse indiquée dans un délai de 2 (deux) mois suivant la réception de sa demande.

L’Emetteur conservera les informations et données à caractère personnel pendant la durée maximum légale ou réglementaire applicable en fonction de la finalité de chacun des traitements de données. Les conditions de collecte, de détention et d’accès des données à caractère personnel recueillies par le Distributeur et sous sa responsabilité au titre de l’accès au Site, sont régies aux termes des Conditions Générales du Site ainsi que de la charte de confidentialité accessible sur le Site.

14. Comptes inactifs

Le Distributeur et l’Emetteur se réserve le droit de clôturer des comptes inactifs depuis plus de 24 mois. Nous vous prions de vous référer aux Conditions générales de ventes du site du Distributeur.

15. Force majeure

Les Parties ne seront pas tenues pour responsables, ou considérées comme ayant failli au titre des présentes, en cas de retard ou inexécution, lorsque leur cause est liée à un cas de force majeure tel que défini par la jurisprudence des tribunaux français.

16. Indépendance des stipulations contractuelles

Si l'une quelconque des stipulations des présentes est tenue pour nulle ou sans objet, elle sera réputée non écrite et n'entraînera pas la nullité des autres stipulations.

Si une ou plusieurs stipulations des présentes deviennent caduques ou sont déclarées comme telles en application d'une loi, d'un règlement ou à la suite d'une décision définitive rendue par une juridiction compétente, les autres stipulations conserveront leur force obligatoire et leur portée. Les stipulations déclarées nulles et non valides seront alors remplacées par les stipulations qui se rapprocheront le plus quant à leur sens et à leur portée des stipulations initialement convenues.

17. Protection des dépôts

Les fonds de l’Utilisateur sont déposés à chaque fin de Jour Ouvré dans un compte ouvert auprès d’une Banque et sont cantonnés par celle-ci.

18. Incessibilité

Le Contrat ne peut faire l'objet d'une cession totale ou partielle par l’Utilisateur, à titre onéreux ou gratuit. Il est par suite interdit de céder à un tiers l'un quelconque des droits ou obligations qu’il tient des présentes. En cas de manquement à cette interdiction, outre la résiliation immédiate des présentes, sa responsabilité pourra être engagée par l’Emetteur.

19. Frais

Les services de création et de gestion de Comptes sont facturés par l’Emetteur et sont inclus dans les frais indiqués dans les Conditions Générales de Vente.

20. Convention de preuve

Toutes les données reprises de façon inaltérable, fiable, et sécurisée dans la base de données informatique de l’Emetteur relatives notamment aux ordres de paiement et confirmations reçues de l’Utilisateur, aux notifications envoyées, aux accès, Retrait, Remboursement feront foi entre les parties jusqu’à preuve du contraire.

21. Droit applicable et juridiction compétente

Sauf en cas d'application d'une loi d’ordre public (laquelle ne s'appliquera que dans les strictes limites de son objet), il est expressément stipulé que le Contrat est soumis à la loi française et que tout litige entre les Parties au titre de ce dernier sera soumis à la juridiction des tribunaux français compétents

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END OF COPASS TERMS AND CONDITIONS