LEGAL NOTICE 

Publisher: 

This website, accessible at welcomeaccount.com (hereinafter referred to as the “Site”), is published by [Welcome Place], a simplified joint-stock company with a sole shareholder and share capital of €100, whose registered office is located at 60 rue François 1er 75008 Paris, registered with the Paris Trade and Companies Register under number [920756020]. Individual VAT identification number: FR [FR 42 920 756 020]. 

[Welcome Place] is registered as Okali’s payment services agent with the Autorité de Contrôle Prudentiel et de Résolution under REGAFI number [737375], with its postal address at 4 Place de Budapest, CS 92459 75436 Paris Cedex 09. 

Okali is an electronic money institution authorised to provide payment services, approved and supervised by the ACPR. Registered office: 50 rue La Boétie, 75008 Paris. R.C.S Paris: 890 111 776. Bank code (CIB): 17448. National identification number on the Payment Institutions Register (PIR) of the European Banking Authority (EBA): 890 111 776. See on the websites: https://www.regafi.fr/ and https://euclid.eba.europa.eu/. 

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Contact: 

Email address: [contact@welcomeaccount.com] 

Publication director and editorial manager: 

Mr.  [Shahsavari Roohollah], [Chairman and CEO] 

Hosting: 

Microsoft Azure Ireland – 1, One Microsoft Place, South County Business Park, Leopardstown, Dublin 18, D18 P521, Ireland. 

Tel.: +353 1 295 3826. 

Website: https://azure.microsoft.com 

Email address: azuresupport@microsoft.com 

Trademarks: 

Twitter is a registered trademark of Twitter Inc. 

‍LinkedIn is a registered trademark of LinkedIn Inc. 

Facebook is a registered trademark of Meta 

Instagram is a registered trademark of Meta 

Youtube is a registered trademark of Google LLC 

Enfuce is a registered trademark of © Enfuce Financial Services Ltd 2024  

Visa is a registered trademark of Visa 

Microsoft is a registered trademark of Microsoft  

Station F is a registered trademark of Station F  

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Terms and Conditions of Use of the Site 

By accessing this website and the information it contains, the internet user (hereinafter referred to as the “User”) acknowledges having read these General Terms and Conditions of Use (hereinafter referred to as the “GTU”) and undertakes to comply with them. The publisher reserves the right to amend these GTU at any time, in particular in order to adapt them to changes in the site. The User therefore undertakes to consult them regularly. The User is deemed to accept this latest version each time they connect to the site. 

Presentation and purpose 

The Site is an information and presentation website for the general public (prospects and customers) of the activity and offers marketed by [Welcome Place]. 

Access conditions 

The Site is subject to French law. The majority of the content and services are offered in French. However, if some of them were published in English, the French version shall prevail in the event of any dispute. 

Pricing 

Access to the Site is free, excluding internet access provision and telephone communications, the costs of which are invoiced directly by the operators. 

Accessibility 

The Site is accessible 24 hours a day, 7 days a week, except in cases of force majeure, acts of third parties and/or maintenance work and interventions necessary for the proper functioning of the site. In such a case, this interruption will be notified by means of a warning displayed on the homepage or by any other method. This interruption can in no event give rise to the publisher’s liability and does not entitle any compensation. Furthermore, the publisher may at any time terminate access to this site following any breach of these conditions by the user. 

By visiting the Site, the User acknowledges and accepts the procedures in force on the Internet network, particularly with regard to technical performance, response times, connection times, information queries or transfers, the risks of interruption, the risks of contamination by viruses, trojans, worms, time bombs or other programs and processes circulating on the network and, more generally, all risks associated with the use of the Internet. [Welcome Place] is not responsible in the event of connection problems to the Internet network. In particular, the user declares that they have access to the internet and a recent, up-to-date browser allowing them to benefit from all the Site’s functionalities. 

Liability 

The User is informed that use of the Internet does not guarantee confidentiality of correspondence; it is their responsibility to take all appropriate measures to protect their own data and/or tools. 

The User undertakes to respect the integrity of the site and shall not obstruct or force the functioning of the Site, modify, alter or fraudulently delete the content accessible via the Site, or fraudulently introduce data on the Site.  

Consequently, the publisher:   

• shall not be held liable for any damage that may be suffered, during a visit to its site, by the User’s technical environment and in particular their computers, software, network equipment (modems, telephones, etc.) and any other equipment used to access or use the service and/or information;  

• cannot be held liable in the event of improper use of the site by the User; 

• cannot under any circumstances be held liable for the reliability of data transmission, access times, possible access restrictions on the Internet network or the networks connected to it; 

• shall be liable in the event of interruption of access networks or total or partial unavailability of the site resulting in particular from the telecommunications operator, in the event of transmission errors or problems related to the security of transmissions, in the event of failure of the receiving equipment or your telephone line.   

When the User accepts the GTU for the needs of third parties (including legal entities) and enters personal information on behalf of that person, they certify on their honour that they are authorised and have all the powers and authorisations necessary to accept these general terms and conditions of use and provide information on behalf of third parties on the site. Consequently, the user fully indemnifies the publisher against all consequences of claims made by the third parties (including legal entities) concerned regarding this authorisation and/or in the event of fraud by the User. 

Hyperlinks 

The Site may contain information made available by external companies or hyperlinks to other sites that have not been developed by [Welcome Place]. 

The existence on the Site of a hyperlink leading to another site does not constitute validation of that other site or its content. The User decides, under their sole responsibility, to access another site via a hyperlink: the publisher assumes no responsibility for these sites, their content, advertising, products or services available on or from these sites. 

Furthermore, the publisher cannot be held liable for the information, opinions and recommendations made by these third parties. 

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Finally, any hyperlink to this website must be subject to the publisher’s express prior authorisation, and the publisher reserves the right to remove this link at any time. 

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Intellectual property 

The Site must be considered as an indivisible whole. 

Along with all the elements contained therein (information, data, text, sounds, images, drawings, graphics, distinctive signs, logos, trademarks, etc.), they are the exclusive property of the publisher or its partners and are subject to the provisions of the Intellectual Property Code. As such, they are protected against any unauthorised use by law or these terms of use. Reproduction of these elements is authorised only for information purposes and/or copies or reproductions intended for strictly private and personal use. 

Any other reproduction, representation or distribution, in whole or in part, of the content of this site, on any medium or by any process whatsoever, is prohibited. Failure to comply with this prohibition constitutes counterfeiting and may incur the civil and criminal liability of the infringer. 

It is in particular strictly prohibited to use or reproduce the names “ [Welcome Account » and « Welcome Place] ” and/or its logos, alone or associated, for any purpose whatsoever, and in particular for advertising purposes, without the publisher’s prior written consent. Likewise, downloading or any other form of copying of software or information present on the site does not confer any rights over them. It is strictly prohibited to reproduce them (in whole or in part), to transmit them (electronically or by any other means) and to modify them. It is also prohibited to use this site for public or commercial purposes without the publisher’s prior written authorisation. 

Disclaimer regarding published information 

The publisher of this website endeavours to ensure the accuracy and updating of the information published on this site, the content of which it reserves the right to correct at any time and without notice. However, the publisher cannot guarantee its completeness or the absence of modifications made by a third party (intrusion, virus, etc.). 

The User is informed that the content of this website is for information purposes only. The information contained therein cannot be regarded as an offer to the public, a solicitation or direct marketing by the publisher towards the User. 

Information on products and services 

Any online application for a product or service offered by the publisher implies that the transaction is subject to the applicable contractual and pricing terms and conditions, as well as French law. 

For any information request, you may contact [Welcome Place] using the contact form on our Site at the following address: [welcomeaccount.com] 

The User is informed that access to certain products and services may be subject to restrictions for certain persons or in certain countries other than France. As such, none of the products and services will be provided by the publisher to any person if the law of their country of origin or any other country that may apply to them prohibits it. It is the responsibility of any person wishing to subscribe to products and services to check that their legal and tax status allows them to do so. 

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Complaints 

We will do everything possible to resolve the situation as quickly as possible. Your feedback is important to us; it helps us improve the services and products we offer you. 

If you are dissatisfied, please let us know by contacting us by email at the following address: [contact@welcomeaccount.com] 

You may also send us a letter by post to the following address: 

[Welcome Place] – Complaints handling service, 

[Welcome Place  

STATION F  

44 rue Eugène Freyssinet  

75013 Paris  

France ] 

Our aim is to respond immediately to all your concerns, but sometimes the complexity of the issues may increase response times. If a reply cannot be given to you immediately, we will send you confirmation that your complaint has been received within 10 working days and the reply will be sent to you within two months. ‍ 

Special cases: If the complaint concerns the payment services provided by [Welcome Place], we undertake, in accordance with the regulations, to provide you with a reply within 15 working days of receipt of your complaint, except in exceptional situations where the reply will be provided to you no later than 35 working days. 

If the response we have given to your complaint does not satisfy you and before any recourse to an arbitral or state court, you may contact the Mediator of the Association of Financial Companies, of which Okali is a member. 

To initiate this mediation, the User may contact the ASF Mediator by post at the following address: 

ASF Mediator, 

75854 Paris Cedex 17. 

The ASF Mediator may also be contacted by completing a form on the website accessible at the following address: https://lemediateur.asf-france.com/Saisine. 

Your referral file must contain: your surname, first name and address, the name of the institution concerned, the response you are disputing or, failing that, a copy of the letter sent to the institution, a summary of the facts and your expectations, a copy of the key documents in your file and your file reference number. 

Mediation is not compulsory, so the User may withdraw from the procedure at any time. 

IN THE EVENT OF A DISPUTE, ONLY THE FRENCH COURTS SHALL HAVE JURISDICTION. IF MEDIATION FAILS OR IS NOT CONSIDERED, THE DISPUTE THAT MAY HAVE GIVEN RISE TO MEDIATION SHALL BE REFERRED TO THE COMPETENT COURT DESIGNATED ABOVE. 

Data protection and privacy 

The use of the Site and the provision of the products and services offered by [Welcome Place] may result in the Company and, where applicable, its partners, processing the User’s personal data. The terms of this processing are set out in [Welcome Place]’s Personal Data Protection Policy, which forms an integral part of the GTU and is accessible at the following address: [https://welcomeaccount.com/privacy-policy/].