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Le connecteur Finary est disponible : interrogez votre patrimoine depuis votre IA
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Note: this English version is provided for information purposes only. In the event of any conflict or discrepancy, the French version prevails (see "Language").
Finary ("Finary") is a French simplified joint-stock company (SAS) registered with the Paris Trade and Companies Register under number 892 357 724, whose registered office is located at 58 rue de Monceau CS 48756, 75380 Paris CEDEX 08.
Finary SAS is an Investment Firm authorised by the French Prudential Supervision and Resolution Authority (ACPR) under authorisation number N°19283, licensed to provide the investment service of investment advice. Finary SAS is a member of the French Financial Markets Association (AMAFI).
Finary SAS carries on the activity of Insurance Broker, registered with Orias under number 21001279, a member of the Chambre nationale des conseils en gestion de patrimoine, an association approved by the French Financial Markets Authority, with the financial guarantees of Assurances Mutuelles MMA IARD.
Finary SAS is a Crypto-Asset Service Provider (CASP) authorised in accordance with Regulation (EU) 2023/1114 of 31 May 2023 on markets in crypto-assets (the "MiCA Regulation"), under authorisation number A2026-026 / N2026-008 (authorisation dated 6 July 2026). Finary SAS has been authorised by the French Financial Markets Authority (AMF) to provide the crypto-asset transfer service on behalf of clients, under the authorisation procedure provided for in Article 63 of the MiCA Regulation. As an investment firm, Finary SAS has moreover been authorised by the French Prudential Supervision and Resolution Authority (ACPR), on the AMF's advice, to provide the services of custody and administration of crypto-assets on behalf of clients and of reception and transmission of orders on crypto-assets on behalf of clients, under the notification procedure provided for in Article 60 of the same Regulation.
Finary may be contacted at the following contact email address: hello@finary.com.
Our Legal Notices are available in full on our Site here, or within the mobile Application.
Here are the main points to know about Finary before you start reading our General Terms of Use ("GTU"):
Acceptance of these General Terms by the User is effective as soon as the User ticks the box provided for this purpose "I accept Finary's General Terms" in the Application and on the Site, at the time of the request to register for Finary's Services, and in particular when creating an Investor Profile under the terms described in these GTU. If the User does not accept these GTU in full, the User must not access the Services offered by Finary. Use of Finary's Services constitutes acceptance by the User of these GTU.
For any question regarding the GTU, you may contact us by email at the address available in the "Customer Service" article.
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The security of Users' Data is a priority for Finary, which to that end provides a very high level of security in the provision and use of the Services. For this purpose, Finary uses encryption algorithms based on the highest and most proven IT security standards.
Finary therefore undertakes to do everything possible to ensure the security of the Platform and of Users' Data.
The User accordingly declares that they:
The following security recommendations are made to Users:
Furthermore, identity theft and the practices known as "phishing" are at the heart of Finary's concerns. Protecting the User's information to guard against identity theft is one of our priorities.
In case of doubt or proven phishing, the User is invited to notify Finary immediately by sending a message to the address set out in the "Customer Service" article.
Finary publishes and operates a Platform accessible from the website https://finary.com and from the mobile Application available on Android and iOS, through which it offers its Users a solution enabling them to access a complete view of their wealth in real time and to make financial investments.
The functional and technical characteristics of the Platform are described on the website https://finary.com and on the Application.
The purpose of these GTU is to define the terms and conditions of use of the services offered on the Platform and they apply, without restriction or reservation, to any use of the Services offered on the Platform, as well as to define the rights and obligations of the parties in this respect.
They may, where applicable, be supplemented by Specific Conditions. If the General Terms conflict with all or part of the Specific Conditions, the Specific Conditions shall prevail.
The risks associated with investing in Digital Assets, in particular the risks of volatility, capital loss, liquidity, counterparty, as well as technical, regulatory and tax risks, including those specific to Staking and Lending services, are described in the Digital Asset Services General Terms and Conditions (the "Crypto Terms"). Users wishing to invest in Digital Assets are invited to read them before any subscription. The Crypto Terms are available at any time on the Site and the Application.
Terms specific to digital asset services (in particular custody, deposit, withdrawal, conversion, transfer, Staking and Lending) are defined in the Digital Asset Services General Terms and Conditions (the "Crypto Terms"), available on the Site and the Application.
Subscription: Corresponds to our Finary subscriptions as indicated here.
Digital Assets: means a digital representation of value or rights that can be transferred and stored electronically, using blockchain or similar technology. Digital assets are legally defined as:
1° The tokens referred to in Article L. 552-2 of the French Monetary and Financial Code ("MFC"), excluding those meeting the characteristics of the financial instruments referred to in
Article L. 211-1 and of the cash vouchers (bons de caisse) referred to in Article L. 223-1 of the same code;
2° Any digital representation of value that is not issued or guaranteed by a central bank or a public authority, that is not necessarily attached to a legal-tender currency and that does not have the legal status of a currency, but which is accepted by natural or legal persons as a means of exchange and which can be transferred, stored or exchanged electronically. This definition is subject to change in line with developments in applicable law.
Application: Our Finary mobile application, available on Android via the Google Play Store, and on iPhone via the Apple Store.
Partner Insurers: means the insurance companies with which the User is invited to take out a life insurance contract.
Blockchain: means the network that can be compared to a public, anonymous and tamper-proof ledger; it means the technology for storing and transmitting information at minimal cost, secure, transparent and operating without a central control body. By extension, Finary enables Users wishing to invest in possible operations within one or more transaction-consensus protocols on the Blockchain.
Secret Code: A 4-digit code enabling connection to Finary's mobile application.
User Account: means a single, personal and nominative account enabling access to Finary's services on its Site or on the Application. The identifier of a User Account is a valid and personal email address. A User Account is protected by a password that must comply with the required format.
General Terms or GTU: Corresponds to these general terms of use of Finary governing the Services applicable to all Users of Finary, where applicable supplemented or amended by the Specific Conditions.
The GTU are available at all times and freely downloadable on the Site and viewable on the Application; they are also sent to the Client by email. The Client must in particular validate them when creating their User Account.
Crypto Terms: means the general terms and conditions of digital asset services governing digital asset services, available here: https://finary.com/en/crypto-terms
Specific Conditions: Corresponds to the conditions of use specific to certain Services, which supplement these General Terms.
Financial Investment Advice: means the provision of a personalised recommendation suited to the User's profile. It is thus a proposal of a coherent contract, best matching the client's needs and requirements, which is proposed to that client.
Life Insurance Contract: means the life insurance contract to which the User subscribes in the Application or on the Site, or following their Financial Investment Advice, with the Partner Insurer.
Bank Connections: means the connections published and developed by the account information service providers.
MCP Connector: means the connector made available by Finary enabling the User, upon request, to connect a third-party artificial intelligence assistant of their choice in order to view, on a read-only and aggregated basis, their own financial data, under the conditions provided for in the "MCP Connector" article.
Access Data: means the data shared with the account information service provider, in particular your login Identifier and your password. This data is not visible to and is not shared with Finary.
Personal Space: means the personal and secure environment accessible to the User after authentication on the Application or the Site, enabling them to manage their User Account and access the Services.
Finary Plus: means Finary's subscription service, providing premium services to Users who wish to benefit from them.
Features: means the Features offered by Finary within its mobile application or on its website; note that certain Features are present on one Platform but not the other. Finary reserves the right to add and remove Features at its discretion; certain Features are accessible free of charge, while others are available via the Subscription.
Fees: means the collection by Finary of an amount in euros, charged in consideration of a Service provided by Finary to the User.
"Know Your Client" ("KYC"): means the onboarding and ongoing due-diligence process implemented by Finary as part of its Anti-Money-Laundering and Counter-Terrorist-Financing (AML-CFT) programme. This process includes the collection of certain documents and ongoing monitoring of Investors' transactions. Finary carries out these procedures with respect to any User or person wishing to access Finary's Services. This process applies to both natural persons and legal entities.
Anti-Money Laundering and Counter-Terrorist Financing ("AML-CFT"): means the fight against money laundering and terrorist financing within the meaning of the MFC, giving rise to
the implementation of a system for assessing client transactions in compliance with the regulations in force in France and Europe, as they may evolve.
Users: A User may be a natural person with full legal capacity or a legal entity acting through a natural person who holds the power or authorisation required to contract in the name and on behalf of the User. The User has the status of (i) consumer, meaning any natural person acting for purposes that do not fall within the scope of their professional activity, or (ii) non-professional, meaning any legal entity acting outside its usual professional activities. A User having the status of professional, meaning any natural or legal person acting for purposes falling within the scope of their commercial, industrial, craft, liberal or agricultural activity, including where they act in the name or on behalf of another professional, is invited to contact Finary directly at the details indicated in the "Identification of Finary and Legal Notices" article.
Operation: means the acquisition of, or any transaction relating to, one or more Digital Assets on or via the Finary Platform; this may be to exchange Digital Assets for Euros or any other legal-tender currency or vice versa. The details of the operation are always visible on the platform before it is carried out and are validated by the Investor. The execution methods currently available on the Platform are "limit" or "market" orders.
Party: means Finary or a User.
Referral: means the possibility for an existing Finary user to send a personal link to another individual to create a Finary account.
Investment Plan: means a recurring purchase of Digital Assets, scheduled in advance, within the Invest Feature.
Platform: means the Platform created by Finary, accessible via the Application or the Site, enabling the User to access the Services provided by Finary.
Wallet: means the digital-asset wallet in which the User's Digital Assets are held. The term "Wallet" is used to designate indifferently the wallet for which the private keys enabling access to Users' Digital Assets are held, and/or the self-hosted wallet for which the User alone holds the means of access.
Investor Profile / Investor: means the profile of a User using the Invest Feature.
Provider(s): means the third-party companies and suppliers that participate in the provision of certain Finary Services, as indicated in the Specific Conditions.
Services: means the various services offered by Finary through the Platform, including the Freemium and Premium Services, where relevant, as described in Article 6.
Account Information Service Provider: means the duly authorised provider whose solution enables a payment service user (natural or legal person) to aggregate, on a single interface (website and/or mobile application), the information on balances and transactions carried out on several or all of their accounts. This Service is not provided by Finary but by a contracted provider. In order to benefit from the Account Information Services, the User will contract directly with the provider by accepting its general terms via a tick-box on the Platform, in accordance with the "Description of the services offered" article of the General Terms.
Freemium Services: means the services accessible free of charge without a Finary Plus subscription, offered to Finary Users on its Platform, as described in Article 6.
Premium Services: means the services accessible via a Finary Plus subscription, offered to Finary Users on its Platform, as described in Article 6.
Site: means Finary's website available at the following address: https://finary.com/en, together with all other addresses attached to this domain.
Testimonials: means the reviews published by Users on the Site.
Transaction: means a Purchase, Sale in Digital Assets or in legal-tender Currency, or Conversion of a Digital Asset by a User.
2FA Validation: means the two-factor authentication to access the User Account.
The GTU are made available to you on our Site (https://finary.com/en/terms) and on the Finary Application. These terms are expressly accepted upon creation of the Finary account and upon first use of each Service. Use of the Finary Services constitutes acceptance of these GTU.
Insofar as updates are notified to you and new versions are published directly on the Site and the Application, these GTU and their amendments are enforceable against you.
In this respect, the User acknowledges that any breach of the GTU may result in the suspension or termination of their User Account as well as the immediate refusal to use all or part of the Services, in accordance with the provisions set out in the "Suspension of a User Account" article of the GTU.
Before any online subscription and pursuant in particular to the provisions of Article L111-1 of the French Consumer Code, the User may review the Services on the Platform.
The Services to which the User has access are described on the Platform.
The User has access in particular to the following Services, in the form and according to the features and technical means that Finary deems most appropriate.
Finary offers different types of Services to the User:
The details of the services available free of charge, or via subscription, as well as the price of the subscription, are available here.
In order to benefit from the Account Information Services, the User must contract directly with Finary's contracted provider by accepting its general terms via a tick-box on the Platform.
In order to benefit from the Invest Services, the User must accept the General Terms and specific terms (if any) of Finary's contracted provider, via a tick-box on the Platform.
In order to benefit from the Life Insurance Contract subscription Services, the User must complete a questionnaire, complete their KYC and electronically sign the general terms of the Partner Insurer, the recommendation, and the general terms of use of the electronic signature tool.
Any request to modify the subscribed Services must be the subject of a new subscription.
Finary undertakes to ensure the permanence, continuity and quality of access to the Services.
In this respect, Finary will use its best efforts to maintain access to the Platform 24/7.
Furthermore, given the complexity of the internet, the inequality in the capacities of the various sub-networks, peak-time traffic, and the various bottlenecks over which Finary has no control, Finary's liability shall be limited to the operation of its servers, the outer limits of which are constituted by the connection points.
Finary cannot be held liable for (i) access speeds to its servers, (ii) slowdowns external to its servers, (iii) faulty transmissions due to a failure or malfunction of these networks, or (iv) a poor internet connection.
Where necessary, Finary reserves the right to limit or suspend access to the Platform in order to carry out any maintenance and/or improvement operations. In this case, Finary undertakes to inform the User in advance of these maintenance and/or improvement operations, within a reasonable time, by any useful means and in particular by a general information message on the Platform regarding these maintenance operations.
As part of these maintenance and/or upgrade operations, Finary undertakes to use its best efforts to back up the content stored on the User's Account and/or the Platform.
The User acknowledges and accepts that this service level guarantee does not cover any outage or interruption of the Services occurring as a result of telecom operators or internet and mobile-web access providers, or of poor internet coverage or saturation of internet access linked to the location of an event.
In any event, it is expressly agreed that the breach of any undertaking provided for in this article may not under any circumstances be sanctioned by termination of the contractual relationship with the User, and Finary's liability shall be limited under the conditions set out below.
The User is informed that, in the event of an outage, maintenance or update of Finary's systems, access to their User Account may be temporarily suspended. In such a case, Finary
will endeavour to notify the User as soon as possible and will use its best efforts to restore access to the Services as quickly as possible.
It should be noted, however, that access to the Bank Connections (access to the payment account held with a Credit Institution in particular) is managed by an account information service provider (such as Powens); accordingly, any technical failure originating from these connectors falls within the service level of these providers in accordance with their general terms accepted by the User.
Finary undertakes to ensure, under a best-efforts obligation, the hosting of the User Accounts and of any content published by the User on their User Account, in accordance with industry practice and the state of the art, on its own servers or through a professional hosting provider carrying on its activity in accordance with industry practice and the state of the art.
In this context, Finary undertakes to provide the User with sufficient storage and processing capacities in connection with the Services, in accordance with industry practice and the state of the art.
Finary undertakes to implement all technical means, compliant with the state of the art, necessary to ensure the security and accessibility of the Services, relating to the protection and monitoring of infrastructures, the control of physical and/or immaterial access to said infrastructures, and the implementation of detection, prevention and recovery measures to protect the servers against malicious acts.
Finary also undertakes to take all appropriate precautions, having regard to the nature of the data and the risks presented by the automated data processing implemented for the purposes of the Services, to preserve data security and, in particular, to prevent it from being distorted, damaged or accessed by unauthorised third parties.
Finary offers the User technical assistance accessible by email at the address available in the "Customer Service" article, enabling them to report any difficulty encountered when using the Services and accessing the Platform.
Finary reserves the right to offer any other Service it deems useful, in the form and according to the features and technical means it considers most appropriate to provide such Services.
Users who wish to personalise their experience may create developments (the "Developments") in order to build features not offered by Finary, on the basis of public and freely accessible resources, access to which is facilitated by Finary.
Creating and accessing such Developments requires the User to leave the Finary environment.
This option is open to Users in a spirit of sharing. The User may thus freely decide to make these Developments available to other Users.
Finary assumes no liability for the quality or operation of the Developments created by Users under this article, since they are not a Service offered by Finary.
Finary takes no part whatsoever in the creation of the Developments and may under no circumstances be held liable for any harm caused by the use of the Developments.
Should Finary be interested in one or more Development(s) created by a User, the User and Finary will meet to discuss in good faith a possible assignment or licence of rights over such Developments in Finary's favour.
In any event, the User undertakes not to associate Finary, in any way whatsoever, with the Developments they create. They shall indemnify Finary against any claim and/or action that may be brought against it under this article. The User shall indemnify Finary for the harm suffered and reimburse Finary for all sums it may have to bear as a result.
Acceptance of these General Terms by the User is evidenced in the Application and on the Site by ticking the box provided for this purpose "I accept Finary's General Terms". Acceptance takes place at the time of the request to register for Finary's Services and/or upon the request to create an Investor Profile, as specified in the "Specific conditions applicable to the Invest Feature" article.
If the User does not accept the General Terms in full, the User must not access the Services. Access to and use of the Services constitute acceptance of these General Terms.
This acceptance can only be full and complete. Any adherence subject to reservation is deemed null and void. Users who do not accept being bound by these General Terms must not access the Platform or use the Services.
The opening of a User Account and the maintenance of the contractual relationship are conditional on the establishment and maintenance of the User's principal residence and nationality in a country located in the European Union or within the European Economic Area, or in a country that is not on the list of countries under international sanctions, and not in a country restricted by one of Finary's providers.
Finary cannot be held liable for the consequences of refusing to create a User Account or of ending the contractual relationship with a User due to restrictions related to their country of residence or nationality, and Finary reserves the right, at any time and without notice, to refuse a User's country of residence or nationality, by Finary's simple decision or by regulatory obligation.
The User undertakes to create only one User Account within the Service for their personal use.
Multi-accounting is prohibited in order to ensure the effectiveness of anti-fraud measures. Consequently, the Service reserves the right to delete the additional accounts of the Users concerned without notice or delay. In no way may its liability be engaged on this basis.
The Identification Data created by the User must remain strictly personal and confidential. The User is solely responsible for the use of their Identification Data and undertakes not to disclose it to anyone, under any pretext and on any grounds whatsoever. The User may modify their Secret Code at any time within the Application.
The User ensures that the email address provided when creating their User Account is correct and is indeed their own email address, insofar as the correspondence and content provided in connection with the Services are accessible via this email address. The User is therefore informed that if they provide an incorrect email address, the holder of that address may receive the information provided by the Services concerned.
The User accordingly releases Finary from all liability and indemnifies Finary against all consequences arising directly or indirectly from an email address error. Any access to and use of the Services using the email address and password provided are thus deemed to be carried out by the User concerned.
To subscribe to the Services, it is necessary to (i) download the Application or go to the Site, (ii) create Identification Data, (iii) create a strong password (in accordance with the provisions of the "Data security" article of these GTU), (iv) review the GTU and (v) accept them in accordance with the provisions of the "Conditions for opening a User Account" article of these GTU.
To log in to their User Account, the User may choose between (i) entering their Identification Data, (ii) entering their Secret Code, or (iii) using another means among those offered by Finary (for example, a fingerprint or facial recognition device if the medium on which the User uses the Application allows), (iv) completing the 2FA Validation process.
When the User uses the Services from the Site or the Application, they may log out of their User Account via the log-out feature of the Site or the Application.
Use of the Services requires the User to register on the Platform by completing the form provided for this purpose and providing Finary with all information marked as mandatory.
The User must provide a valid email address and create a strong password, in accordance with the provisions of the "Data security" article of these GTU.
The User acknowledges and accepts that the email address entered on the registration form constitutes their login identifier.
Any incomplete registration will not be validated.
Registration results in the opening of a User Account in the User's name, enabling them to manage their use of the Services in the form and by the technical means that Finary deems most appropriate to provide such Services.
The User may, if they wish, add their first name, surname, indicate their annual salary, monthly expenses and tax rate within the settings of the Service; this is not required to create a User profile but provides a more personalised experience.
The User warrants that all the information they provide in the registration form is accurate, up to date and truthful and is not misleading in any way.
They undertake to update this information in their User Account in the event of changes, so that it always meets the aforementioned criteria.
The User is informed of and accepts that the information entered for the purposes of creating or updating their User Account shall constitute proof of their identity.
The User may access their User Account at any time after identifying themselves using their login identifier (email) and their password (or PIN on the Application) and by completing their 2FA.
The User undertakes to use the Services personally and not to allow any third party to use them in their place or on their behalf, failing which they shall bear full liability.
They are equally responsible for maintaining the confidentiality and security of their identifier and password, any access to the Platform using them being deemed to have been made by the User. The User must immediately contact Finary if they notice that their User Account has been used without their knowledge (in accordance with the provisions of the "Data security" article of these GTU).
The User acknowledges Finary's right to take any appropriate measures in such cases.
The bank connection Service is an integral part of the Track Feature and enables Users to connect, via secure APIs, their bank accounts (payment accounts only) through one or more Account Information Service Providers duly registered with their local regulator.
The User accepts the general terms of the Account Information Service Provider at the time of selecting the Credit Institution with which they hold a payment account and of entering the Access Data in order to connect securely to their Credit Institution.
If said provider refuses or terminates the User's subscription, the latter can no longer use the Account Information Services. Conversely, the end of the contractual relationship between the user and Finary results in the termination of the User's contract with the account information service provider.
For the record, Finary does not have access to the Access Data shared with the Account Information Service Provider; Finary therefore cannot view or store this Access Data.
The User declares and warrants to Finary that they:
Where the User subscribes to these GTU for the needs of a third party (including legal entities), they certify on their honour that they are authorised and hold all the powers and authorisations necessary to accept the GTU and to authorise Finary to provide them with the Services on that party's behalf.
In this case, the User is authorised to access only the Data that they are entitled to know. They undertake to justify, at Finary's first request, any request on this subject and to provide, in support of their statements, any evidence of their authorisation.
The User fully indemnifies Finary against all consequences arising from a claim by a third party (including a legal entity) regarding this authorisation and/or in the event of fraud.
The Finary Plus Service offers additional features whose characteristics are described here or in the Application menu.
The provisions below do not apply where the User subscribes to the Services via the Apple Store or Google Store, insofar as the User is then bound by the general terms of use of the Apple Store and Google Store with respect to the management and payment of their subscription to the Services.
If you subscribe via the Apple Store or Google Store, for any questions we invite you to contact them directly.
Subscription to the Premium Services (Finary Plus) is made directly online from the relevant interfaces, on the Application or the Site, or by clicking here, after acceptance of the GTU and verification of the desired order for the desired duration. Access to the selected Premium Service takes effect upon subscription.
Subscription to the relevant Premium Service is confirmed by sending an email to the address provided by the User summarising the subscription conditions.
Where the User subscribes to the Premium Services for the needs of a third party, they undertake to comply with the provisions of the "Authorisation" article hereof and certify that they are authorised and hold all the powers and authorisations necessary to act on behalf of the person concerned (including a legal entity), fully indemnifying Finary against all claims regarding this authorisation and/or in the event of fraud.
The Freemium Services identified in the "Description of the Services offered" article of the General Terms are provided to the User free of charge.
Access to the Premium Services requires the User to subscribe to a monthly or annual Subscription, the price of which is indicated on the Platform.
The price of the Subscription is expressed inclusive of all taxes in euros.
Any Subscription period commenced is due in full.
Finary reserves the right, at its sole discretion and according to terms of which it shall be the sole judge, to offer promotional offers or price reductions.
The prices referred to in the "Price of the Finary Plus service" article may be revised by Finary at any time, at its sole discretion.
The User will be informed of these changes by Finary by any written means (and in particular by email) under the conditions specified in the "Amendment of the GTU" article hereof.
These apply as of their entry into force.
Users who do not accept the new prices must terminate their Subscription in accordance with the terms provided for in the "Term and cancellation of the Subscription" article and stop using the Services. Failing this, they will be deemed to have accepted the new prices.
The Services are invoiced by Subscription period, and the invoices are communicated to the User by any useful means.
The price of the Subscription is due upon subscription or, in the case of a promotional offer proposed by Finary, upon expiry of the promotional-offer period.
Payment may be made online, by direct debit, through the secure online payment service specified on the Platform, or by any other means that may be offered on the Platform at the time of subscribing to the Subscription.
The User warrants to Finary that they hold the necessary authorisations to use the chosen payment method.
In the event of default or late payment, Finary reserves the right, from the day after the due date shown on the invoice, to:
The User is informed of the provisions of Article L215-1 of the French Consumer Code:
"For service-provision contracts concluded for a fixed term with a tacit-renewal clause, the professional service provider shall inform the consumer in writing, by dedicated personal letter or email, no earlier than three months and no later than one month before the end of the period allowing rejection of the renewal, of the possibility of not renewing the contract concluded with a tacit-renewal clause. This information, delivered in clear and comprehensible terms, shall mention, in a visible box, the deadline for non-renewal.
Where this information has not been sent in accordance with the provisions of the first paragraph, the consumer may terminate the contract free of charge at any time from the renewal date.
Advances made after the last renewal date or, in the case of open-ended contracts, after the date on which the initial fixed-term contract was transformed, shall in this case be refunded within thirty days of the termination date, less the sums corresponding, up to that date, to performance of the contract. The provisions of this article apply without prejudice to those subjecting certain contracts by law to specific rules regarding consumer information."
The User has a right of withdrawal for a period of 14 (fourteen) days from acceptance of these GTU. They may exercise this right by contacting Finary at the details indicated in the "Identification of Finary and Legal Notices" article before the expiry of the aforementioned period.
In the event of exercising the right of withdrawal, Finary will reimburse the User for all payments received from them, without undue delay and, in any event, no later than 14 (fourteen) days from the day Finary is informed of the User's decision to withdraw. The refund will be made using the same means of payment as that used for the initial transaction, unless the User expressly agrees to a different means. In any event, this refund will not incur any fees for the User.
The email address to contact for a cancellation request, a refund request or to exercise the right of withdrawal is available in the "Customer Service" article.
In their use of the Services, the User undertakes to comply with the General Terms, as well as with the laws and regulations in force and applicable to them, and not to infringe the rights of third parties or public order.
They are solely responsible for their use of the Services and for their access to services or benefits provided by Providers to which they may have access via the Platform, or any Finary Service, where such access requires signing the Provider's general terms.
The User undertakes to provide Finary with all information necessary for the proper performance of the Services. More generally, the User undertakes to cooperate actively with Finary, and with any third-party provider with whom they enter into a contractual relationship in connection with the Services, with a view to the proper performance of the General Terms.
The User is solely responsible for the documents, elements, data, information and any content they provide to Finary in connection with the use of the Services (the "Content"). They warrant to Finary that they are authorised to provide these elements and that they hold all the rights and authorisations necessary for their exploitation in connection with the Services.
The User acknowledges having reviewed the Platform and its characteristics.
The User acknowledges having reviewed the general terms of the Providers whose services they use via the Platform. These general terms are presented to the User when the latter accesses a Service involving, in whole or in part, the provision of services by a Provider.
The User undertakes to make strictly personal use of the Services. They therefore refrain from assigning, granting or transferring all or part of their rights or obligations under these terms to a third party, in any way whatsoever, and undertake to pay the price of the Finary Plus Services. These obligations constitute essential obligations.
The User is solely responsible for content of any nature (editorial, graphic, audio, audiovisual or other) that they publish on the Platform and for any consequence that may result therefrom.
The User warrants the Service against fraudulent, unfair or bad-faith use of the Service, in particular if it interferes with other Users' use of the Services.
The User warrants to Finary that they hold all the rights and authorisations necessary for the dissemination of such Content. They undertake to ensure that such Content is lawful, does not infringe public order, morality or the rights of third parties, does not breach any legislative or regulatory provision and, more generally, is in no way liable to engage Finary's civil or criminal liability.
The User thus refrains from disseminating, in particular and without this list being exhaustive:
The User undertakes to indemnify Finary for any harm it may suffer and to pay it all costs, charges and/or awards it may have to bear as a result.
The User undertakes to use the Services in compliance with the GTU and with the legislation in force.
In the event of non-compliance with one or more provisions of the GTU, the User's liability may be engaged and they may be required to indemnify Finary for any resulting consequence.
The User is informed and expressly accepts that the use of the Services, information and tools made available to them is carried out under their own responsibility.
The User expressly accepts and acknowledges that the reception or download of any content obtained by means of the Services is carried out under their sole responsibility and remains entirely responsible for any damage that may be caused to their computer and/or mobile-telephone systems as well as, where applicable, for any data loss that may result.
When the User becomes aware of the loss, theft, misappropriation or any unauthorised use of their User Account or their Identification Data, they shall inform Finary without delay for the purpose of blocking their User Account.
To this end, the User clicks on the "forgotten password?" link available in the identification section of the Platform. In this case, an email containing a secure link is sent to the User to change their password, and the old password is then automatically deactivated.
As the User is responsible for the preservation and confidentiality of their password, they assume all liability for the consequences of disclosing said password to anyone.
It is strictly prohibited to use the Services for the following purposes:
Users are strictly prohibited from copying and/or misappropriating for their own purposes or those of third parties the data collected on the Platform other than that which belongs to Users, the concept, the technologies or any other element of the Platform.
The following are also strictly prohibited: (i) any conduct liable to interrupt, suspend, slow down or prevent the continuity of the Services, (ii) any intrusion or attempted intrusion into Finary's systems, (iii) any misappropriation of the Platform's system resources, (iv) any action liable to impose a disproportionate load on its infrastructures, (v) any breach of security and authentication measures, (vi) any act liable to harm Finary's financial, commercial or moral rights and interests, (vii) any conduct liable to copy, modify or misappropriate any element belonging to Finary or any concept it operates in connection with the Services, and lastly, more generally, (viii) any breach of these General Terms.
It is strictly prohibited to monetise, sell or grant all or part of access to the Services or the Platform, as well as to the information hosted and/or shared therein.
The User may delete their User Account at any time within their settings in the mobile Application or on the Site.
The User is informed that they may create only one User Account per email address, and that holding several User Accounts is not authorised and may lead to the suspension of a User Account (see the following article).
In the event of a breach of the "Obligations and responsibilities of the User" articles, and in particular the essential obligations, and "Prohibited conduct", or more generally in the event of a breach of laws and regulations by the User, Finary reserves the right to take any appropriate measure and in particular to:
These sanctions are without prejudice to any damages that Finary may claim from the User.
Finary allows its existing Users to refer natural persons who are not already Users of the Application or of the Finary web version.
The benefits of the Referral programme are indicated in the Finary Application and on the Finary website in the Account settings.
Finary reserves the right to cancel, delete or block any User creating fictitious Accounts, falsifying Accounts, or making any abusive use of this programme.
Any decision taken in this respect is at Finary's sole discretion.
Finary undertakes to provide the Services with diligence and in accordance with best practice, it being specified that it is subject to a best-efforts obligation, to the exclusion of any obligation of result, which the User acknowledges and expressly accepts.
Finary acts exclusively for the purpose of providing the Services described in these General Terms and in the Specific Conditions.
Finary does not warrant to the User that the Services offered will meet all of their needs and expectations.
The Platform constitutes only a set of tools enabling the User to better grasp the extent of their wealth, through the aggregation and analysis of the data they have themselves entered. Finary is in no way a guarantor of the completeness or currency of this data, which is the sole responsibility of the User.
Finary cannot be held liable for the decisions made by the User or by any third party designated by them, nor for the success of any operation or investment of any kind they may wish to undertake after registering on the Platform. Likewise, Finary may under no circumstances be held liable for the Content published by the User on the Platform, over which it exercises no control, verification or moderation of any kind.
Finary undertakes to carry out regular checks to verify the operation and accessibility of the Services. In this respect, Finary reserves the right to temporarily interrupt access to the Platform for maintenance reasons.
Likewise, Finary cannot be held liable for temporary difficulties or impossibilities in accessing the Platform that originate from circumstances external to it, force majeure, or that are due to disruptions of telecommunications networks, Users being informed of the complexity of global networks and of the peak-time influx of internet users.
The Services are provided by Finary as is and without warranty of any kind, express or implied. In particular, Finary does not warrant to Users (i) that the Services, which are subject to ongoing research to improve their performance and progress in particular, will be entirely free from errors, defects or faults, (ii) that the Services, being standard and in no way offered solely for a given User according to their own personal constraints, will specifically meet their needs and expectations.
Finary's liability is limited to direct, proven damage suffered by the User as a result of using the Services. Finary cannot be held liable for damage suffered by the User for reasons independent of and not attributable to Finary. This may include in particular the following cases:
In any event, Finary cannot be held liable for damage, whether direct or indirect, related to the use of services rendered by third-party providers to which the User may have had access via the Platform.
Finary allows you, via this Feature:
No information contained on the Site or the Application is liable to constitute an investment recommendation, a recommendation to subscribe to a service or to purchase a product, unless it is clearly identified as such.
The User acknowledges that there is no joint liability between Finary and third parties, and that they may not engage Finary's liability on account of these third parties.
By way of exception to the foregoing, the User may be led to conclude, through the Site, a contract with Finary under which Finary may recommend third-party services or products such as banking institutions or insurance undertakings.
In this case, Finary's contractual liability for these recommendations may only be engaged in accordance with the terms and conditions of said contract.
The proper performance of Financial Investment Advice is carried out as follows in the Finary Application or on its Site or in the Partner Application:
Subscription to a Life Insurance Contract with a Partner Insurer is carried out as follows in the Finary Application or on its Site or in the Partner Application:
The Invest Feature also enables investment in Digital Assets. The conditions applicable to this service (account opening, purchase, sale and exchange of Digital Assets, custody, deposits, withdrawals and transfers, order settlement, as well as Staking and Lending services) are governed by the Digital Asset Services General Terms and Conditions (the "Crypto Terms"). Users wishing to access this service are invited to review and accept them beforehand; they are available on the Site and the Application.
The creation of the Investor Profile of a natural person is carried out via the Application or the Site; the User is then required to provide all of the following information in addition to the elements already provided when creating their User Account:
The User is required to provide documents to Finary (in particular an identity document and a selfie, and potentially other additional documents).
Registration for and access to the Invest Feature are conditional on completion of the AML-CFT procedures implemented by Finary and on meeting the regulatory requirements related to these procedures.
The creation of the Investor Profile of a legal entity is carried out via the Application or the Site; the User is then required to provide all of the following information in addition to the elements already provided when creating their User Account:
Registration for and access to the Invest Feature are conditional on completion of the AML-CFT procedures implemented by Finary and on meeting the regulatory requirements related to these procedures.
When creating their Investor Profile, the User agrees to provide the personal information required to verify their identity.
This information and the KYC process are described in Finary's privacy policy.
The list of required documents may differ in the case of the creation of a legal entity or a natural person; moreover, this list is non-exhaustive and may change depending on the level of risk perceived by Finary at the time of onboarding, or at any time during the relationship between the User and Finary.
The terms of deposit, custody and withdrawal of the funds relating to investment in Digital Assets, as well as the associated operations and means of payment, are governed by the Crypto Terms. The obligations and general limitations of liability provided for in the "Obligations of Finary" article of these GTU remain applicable.
Finary makes available to the User a connector (the "MCP Connector") enabling them, upon request, to connect a third-party artificial intelligence assistant of their choice in order to view their own aggregated financial data. The Connector operates exclusively on a read-only, aggregated basis and serves the data from Finary's systems. It does not allow any operation, any order, or any access to other users' data. The Connector constitutes the only authorised
programmatic means of access to the User's data; any other automated access to Finary's Services remains prohibited.
Activation of the MCP Connector is subject to the User's explicit consent, collected via a dedicated screen. By activating the Connector, the User expressly requests Finary to communicate their data to the assistant they designate and expressly authorises Finary, by way of exception to the professional secrecy provided for in Article L. 531-12 of the French Monetary and Financial Code, to carry out this communication. Consent is revocable at any time from the User's account; revocation deactivates the Connector and invalidates the associated access tokens.
The connected assistant and its provider are chosen and mandated by the User alone and act as autonomous data controllers, under their own terms and privacy policies, where applicable outside the European Union. They are neither providers nor sub-processors of Finary in respect of the Connector. Finary does not warrant the operation of the assistant, the processing it carries out, or the content it generates.
The Connector provides raw data. The content generated by the assistant from this data does not constitute investment advice or a recommendation by Finary, may be inaccurate, and may not engage its liability. The User remains solely responsible for their investment decisions.
Access relies on personal tokens with restricted scope. The User undertakes not to share them, to protect their account with the assistant provider, to revoke the Connector in case of doubt and to report any incident to Finary. Use of the Connector is strictly personal; it may not be used to provide a service to third parties. Finary may suspend or revoke access in the event of abnormal use, security risk or breach of this article.
The processing operations related to the Connector are described in Finary's Privacy Policy. The access tokens and connection logs are retained for twelve (12) months from revocation of the Connector.
The systems, software, structures, infrastructures, databases, code and content of any nature (texts, images, visuals, logos, trademarks, databases, the Application, the Site, the related technology, etc.) operated by Finary on the Platform, excluding the Content owned by the User, are protected by all intellectual property rights or database-producers' rights in force.
Accordingly, the software, software packages, interfaces, databases, know-how, data, texts, articles, newsletters, press releases, presentations, brochures, illustrations, photographs, computer programs, animations, and all other information provided by Finary to the User remain the property of Finary.
The GTU do not confer on the User any ownership right over the Finary Services and all their components, which are and remain the exclusive property of Finary.
The licence that Finary grants to the User does not entail any transfer of ownership.
The making available of the Finary Services as provided for in these GTU may under no circumstances be construed as a transfer of ownership for the benefit of the User.
Consequently, the User refrains from, and indemnifies Finary against, any conduct or any act liable to directly or indirectly infringe Finary's intellectual property rights.
Without prejudice to the foregoing, Finary grants the User a SaaS licence of non-exclusive use of the Platform, non-assignable, non-transferable and for the term provided for in the "Term and termination of the Services" article, solely for their own needs in connection with the use of the Services, to the exclusion of any other purpose.
The User is strictly prohibited from accessing and/or using the source code of the Application, the Site and/or their software components. The User acquires no intellectual property right over the Platform or any right other than those conferred by these terms.
This right of use confers no ownership right on the User over the Content. The User therefore refrains from selling, lending, pledging, licensing, reproducing, marketing, adapting, modifying, transforming or decompiling any element of the Platform.
Any disassembly, decompilation, decryption, extraction, reuse, copying and, more generally, any act of reproduction, representation, dissemination and use of any of these elements, in whole or in part, without Finary's authorisation, is strictly prohibited and may give rise to legal proceedings.
The User expressly undertakes that the use of the Application shall in no way infringe Finary's rights and, in particular, that such use shall not constitute an act of infringement, unfair or parasitic competition against the Platform.
All product and service trademarks contained in or associated with the Services that are not Finary's trademarks belong to their respective owners. References to the names, trademarks, products or services of third-party banking institutions do not constitute a recommendation regarding the products or services of these institutions.
The User expressly authorises Finary to use their profile image for the purposes of illustrating the Site or promoting it, by any means and on any medium, worldwide, for the duration of the User's registration on the Site. This authorisation is granted free of charge.
For the duration of their use of the Services, Users authorise Finary to use the testimonials they publish on the Site to promote it, according to the following terms:
The User expressly authorises Finary to use their Testimonials and image as commercial references, in particular at events or functions, in its commercial documents, on its Platform and Site, in any form whatsoever, for the duration of the Services and for 3 (three) years after their end.
The User expressly authorises Finary to cite them and to use, where applicable, the reproduction of their trademark or logo as commercial references, in particular at events or functions, in its commercial documents, on its Platform and Site, in any form whatsoever, for the duration of the Services and for 3 (three) years after their end.
Finary may publish and/or send the User any advertising or promotional messages, in particular by directing them to third-party platforms.
Finary is nevertheless not responsible for:
Finary maintains a personal data protection policy and a cookie policy, and attaches paramount importance to protecting the personal data of all its users.
The two policies mentioned enable one to review and understand how users' personal data is processed.
Customer Service undertakes to respond efficiently and quickly to all requests and questions from its Users, in the shortest possible time.
Finary's Customer Service can be reached by email at the following address: hello@finary.com.
In addition to the email address above, a chat service is available on the Application or the Site to respond efficiently to Users' questions.
Customer Service is available Monday to Friday, excluding public holidays, from 8 a.m. to 6 p.m. Depending on the need identified, Finary will estimate the response time and keep the User informed.
No Party may be held liable for a failure to perform its contractual obligations if such failure is due to an event beyond the Parties' control constituting force majeure, as defined in Article 1218 of the French Civil Code.
By force majeure, the parties agree in particular to mean the occurrence of an event presenting the characteristics of unforeseeability and irresistibility usually recognised by French law and courts, as well as strikes, terrorist activities, riots, insurrections, wars, government actions, epidemics, natural disasters or a fault attributable to a third-party telecommunications provider.
The prevented party shall inform the other party as soon as possible, stating the nature of the force majeure event. The parties shall come together to jointly determine the most appropriate means to remedy, if possible, the consequences of the event(s) constituting force majeure.
If the force majeure event lasts more than 3 (three) months, each party may terminate its contract as of right, without judicial formality, without notice and without any right to compensation of any kind, by sending a registered letter with acknowledgement of receipt having immediate effect.
If, following a force majeure event, the affected party is prevented from fulfilling only part of its contractual obligations, it remains responsible for performing the obligations not affected by the force majeure event as well as for its payment obligations.
As soon as the force majeure event ceases, the prevented party must immediately inform the other party and resume performance of the affected obligations within a reasonable time.
Apart from the specific term and termination of the Subscription as provided for in the article below, the User subscribes to the Freemium Services for an indefinite term from acceptance of the GTU by the User.
They may unsubscribe from the Freemium Services at any time, directly and free of charge, through their User Account by clicking on the "Delete my Finary account" option. Termination of the Freemium Services takes effect immediately.
The Premium Service is subscribed in the form of a Subscription.
The Subscription begins on the day of its subscription for an initial monthly or annual commitment period (the "Initial Period").
At the end of the Initial Period, the Subscription renews tacitly for successive commitment periods of the same duration as the Initial Period, unless cancelled by Finary or by the User at the latest:
If the Subscription is renewed at the end of the Initial Period, it is renewed for successive periods of the same duration, unless cancelled by the User or by Finary in compliance with the above notice period.
Deactivation takes effect within a maximum of 7 (seven) days from this request. It results in the User's Account switching to the Freemium Service.
Finary also reserves the right to close and delete any User Account that remains inactive for a continuous period of 6 (six) months.
In any event, cancellation of the Subscription is carried out by email or via the User's Account.
Finary reserves the right to amend these GTU at any time, in particular with a view to adapting them to developments in the Services or in the legislation in force, and will inform the User by any useful written means and in particular by email at least 2 calendar months before their entry into force.
The User is deemed to have accepted the amendment of the GTU if they have not notified Finary, before the proposed entry-into-force date of this amendment, that they do not accept it.
If the User has subscribed to a Subscription, the amended GTU apply as of the renewal date of the Subscription.
If the User refuses the amendment of the GTU, they may unsubscribe from the Services, free of charge, before the proposed entry-into-force date of the amended GTU, in accordance with the terms described in the article above.
It follows that Finary may under no circumstances be held liable for any damage resulting from the amendment of the GTU where the User refrains from unsubscribing from the Services and continues to use the Services after the entry into force of the amendment.
Finary may terminate the Contract subject to at least two (2) months' notice. In this case, and for Users who have subscribed to the Premium Services only, Finary will compensate the User concerned for the unused period on a pro rata temporis basis.
In the event of termination of the Services, Finary deletes from its information systems any other Data relating to the User and their User Account, with the exception of information that may need to be retained by Finary under its legal obligations, in particular regarding anti-money laundering and counter-terrorist financing.
The fact that neither Finary nor a User has required the application of any clause, whether permanently or temporarily, may under no circumstances be considered a waiver of either party's rights to enforce said clause.
These GTU may not be assigned in whole or in part by the User, whether for consideration or free of charge.
In the event of a breach of this prohibition, the GTU will be immediately terminated by Finary without notice and the User's liability may be engaged.
In the event that any of the provisions of these GTU is held by a competent court to be null or unenforceable, in whole or in part, under the law, that provision shall, to the extent necessary, be deemed no longer to form an integral part of the GTU. Nevertheless, the legality, validity and binding nature of the other provisions of the GTU shall remain fully in force and produce their effects.
The language used for drafting the contractual documents and subsequent communications between Finary and the User is French. The contractual documents and certain subsequent communications are also available in English for information purposes only. In the event of any conflict or discrepancy between the English version and the French version, the French version prevails over the translated English version.
The nullity of one of the provisions of the Conditions does not entail the nullity of all of these GTU.
In accordance with Law No. 2014-344 of 17 March 2014, the User is informed that, as a consumer within the meaning of the Consumer Code, they may register free of charge on the BLOCTEL telephone-marketing opt-out list (www.bloctel.gouv.fr) in order no longer to be canvassed by telephone by a professional with whom they have no ongoing contractual relationship.
In the event of a dispute, the User may refer the matter to the AMF Ombudsman with a view to an amicable resolution, by filing their request with the AMF's services, preferably online at the following link: https://www.amf-france.org/fr/le-mediateur-de-lamf/votre-dossier-de-mediation/vous-voulez-deposer-une-demande-de-mediation.
If the User is a foreign consumer but located in the European Union, they may go to the European online dispute resolution platform for consumer disputes accessible here.
The General Terms are governed by French law.
