Terms of Service

ARTICLE 1: Definitions

This clause defines the key terms used in these General Terms of Use ("GTU"):

• User Content: means data submitted by the User on the Site.
• AI: means a software program capable of analyzing information and automatically generating responses or actions.
• Username and Password: means all information required to identify a User on the Site. The username and password allow the User to access member-only services. The password is confidential.
• User: means any person using the Site or one of the services offered by the Site.
• Member: means any User identified on the Site through an account.
• Pro Member: means a Member with a paid account and paid access to services offered on the Site.
• ODF: means ODF OPEN-DATA FINANCE SAS, registered with the Paris Trade and Companies Register under number 929.740.926.
• Site: means the website https://opendatafinance.com/ operated by ODF.

ARTICLE 2: Purpose

The purpose of these GTU is to define the legal framework for making the Site services available and for their use by the User.

The GTU must be accepted by any User wishing to access the Site. They form the contract between the Site and the User. Access to the Site by the User implies acceptance of the GTU.

If the GTU are not accepted, the User must refrain from accessing the services offered by the Site.

ODF reserves the right to unilaterally modify the content of the GTU at any time.

ARTICLE 3: Access to Site Services

The Site is accessible free of charge, from any location, to any User with Internet access. All costs necessary to access the service (computer equipment, software, Internet connection, etc.) remain the User’s responsibility.

Access to services offered by the Site varies depending on the User status.

3.1 The Site provides the User with free access to the following services:

• Information about the Site;
• Information about services offered by the Site: free access to resources available for paying users;
• A contact form.

3.2 The Pro Member benefits from services accessible to the User, which means access to the following services:

• A limited category of filters to identify and compare companies according to precise financial and sector criteria;
• Real-time data with alerts;
• Limited access to financial analyses;
• An interactive chatbot;
• Educational resources and analyses;
• A synthesis interface providing a personalized overview of financial information;
• A filtering and screening tool for companies according to economic, financial, or sector criteria;
• A personal area allowing the Member to build and view a continuously monitored list of companies;
• Personalized notifications to receive information based on predefined thresholds or events;
• A search tool with comparison option;
• A financial impact simulation tool for a given company;
• A tool to consult and explore data related to companies listed on the platform.

ARTICLE 4: Site Availability and Maintenance

ODF implements all means at its disposal to ensure quality access to Site services on a best-efforts basis.

Any event due to force majeure resulting in network or server malfunction does not engage ODF liability.

Access to Site services may at any time be interrupted, suspended, or modified without notice for maintenance or any other case, including in the event of GTU violation.

The User waives any claim for compensation following interruption, suspension, or modification of the GTU, except where otherwise required by law.

The User may contact the Site by email at support@opendatafinance.com.

ARTICLE 5: Obligations of Users and Members

5.1 Users and Members acknowledge and accept:

• The characteristics and limits of the Internet, including technical performance, response times for consulting, querying, or transferring information, interruption risks, and more generally risks inherent to any Internet connection and transmission, lack of protection of certain data against possible misappropriation, and risks of contamination by potential viruses circulating on the network;
• To take all appropriate measures to protect their equipment, their own data and/or software stored on their computer equipment against any harm. ODF liability cannot generally be engaged in cases of force majeure or fortuitous events beyond its control;
• To use the services mentioned in Article 3 in accordance with applicable laws and regulations;
• To be fully responsible for their use of services described in Article 3 and for the confidentiality of their username and password. Any account use is presumed to have been performed by the Member;
• To immediately inform ODF in case of suspected fraudulent access as a security measure;
• To hold ODF harmless from any claim or action from a third party resulting from unlawful, fraudulent, or non-compliant use of the Site by the User or Member, and to compensate ODF for any damage directly or indirectly attributable to such use;
• To waive any recourse against ODF in case of proceedings initiated by a third party against them due to unlawful use and/or exploitation of the Site.

5.2 Users and Members undertake not to:

• Upload, reproduce, publish, display, license, sublicense, or otherwise make available content: (i) that law or a contractual relationship prohibits from being made available, (ii) that infringes intellectual property rights, copyrights, or other proprietary rights, or (iii) that contains malware (such as viruses or Trojan horses) or any other malicious program;
• Disrupt or interrupt the Site or violate requirements, procedures, policies, or regulations of connected networks;
• Modify, adapt, or hack the Site and/or another site in a way that misleadingly suggests association with the Site;
• Use elements available on the Site (including, without limitation, visual texture files) without ODF express written authorization;
• Obtain or attempt to obtain materials or information by means not intentionally provided via the Site;
• State that information was generated by a human when this is not the case;
• Disseminate unsolicited advertising or electronic messages, or inaccurate warnings related to viruses;
• Infringe intellectual property rights, legislation, regulations, prevailing practices, or the legitimate interests of third parties and ODF;
• Cause harm to third parties, including minors, in any way.

5.3 Any creation of links to the Site must comply with the following conditions:

• Not replicate the Site homepage;
• Not remove, distort, or otherwise modify the size or appearance of ODF logos;
• Not create a frame or any other browser or environment around the Site;
• Not imply in any way that ODF approves products or services that are their own products or services;
• Not make false statements regarding their relationship with ODF or present other incorrect information about ODF;
• Not use any trademark displayed on the Site in any way without ODF express prior written consent;
• Not link the Site to a third-party website whose content is shocking, abusive, or likely to harm ODF;
• Not infringe intellectual property rights or other rights, and not violate applicable regulations or legislation in accordance with Article 6.1 below.

In any event, ODF expressly reserves the right, at any time and at its sole discretion, to request removal of any link to the Site that has not been, or is no longer, authorized, and to claim damages for the resulting harm.

ARTICLE 6: Intellectual Property and Ownership of the Site

6.1 Intellectual Property

All Site content, including but not limited to data, design text, source and object code software, scripts, downloads, graphic elements, photos, interactive functions and similar elements, as well as their selection and arrangement, and ODF trade names, trademarks, and logos appearing therein, are the property of ODF or licensed to ODF and are therefore protected by copyright and other intellectual property rights under applicable laws.

None of the above elements may be modified, reproduced, duplicated, copied, sold, resold, transmitted, published, licensed, transferred, visited, or otherwise exploited for any commercial purpose, stored on another website, or redistributed without ODF prior written consent.

6.2 Ownership of the Site

The structure of the Site and all its elements, whether or not protected by intellectual property law, are the exclusive property of ODF or have been licensed to ODF.

Any reproduction, extraction, display, alteration, modification, adaptation, or full or partial use, by any process, of the Site or any of its elements, and more generally any act not expressly authorized in writing in advance by ODF, is prohibited and may result in legal proceedings.

ARTICLE 8: Liability and Force Majeure

Information accessible on the Site, including results generated by analysis tools and AI, is provided for informational purposes only.

For all useful purposes, this information does not constitute investment advice or personalized recommendations and is provided without any guarantee of accuracy, suitability for a particular purpose, or timeliness.

Consequently, the User and Members alone assume full responsibility for use of information and content on the Site, and ODF shall in no case be held liable for direct or indirect damages resulting from use of Site information or content.

Any use of a service by the User or Members that directly or indirectly causes damage to Site services or to the Site will give rise to compensation owed to ODF.

Optimal security and confidentiality of transmitted data is not guaranteed by the Site or ODF. However, ODF undertakes to implement all necessary means to best ensure security and confidentiality of data on a best-efforts basis.

ODF liability cannot be engaged in cases of force majeure or due to an unforeseeable and insurmountable act of a third party.

ARTICLE 9: Hyperlinks

Many outgoing hyperlinks are present on the Site; however, the web pages these links lead to do not engage ODF liability, as ODF has no control over those links.

The User and Members therefore waive any claim against ODF regarding content and resources related to these outgoing hyperlinks.

ARTICLE 10: Duration

The GTU duration is indefinite. The GTU take effect with respect to the User and Members from the time they use the Site.

ARTICLE 11: Applicable Law and Jurisdiction

French law applies to the GTU.

In case of dispute relating to their interpretation or performance, the parties shall seek an amicable solution.

Failing an amicable agreement:

• if the User or Member acts in a professional capacity, competent courts are those within the jurisdiction of the Paris Court of Appeal;
• if the User acts as a consumer, territorial jurisdiction rules provided by the French Consumer Code apply.

ARTICLE 12: Entry into Force

These general terms entered into force on 01/01/2026.