Terms of Use

These terms of use (hereinafter the "Terms") constitute a legally binding agreement entered into between any person accessing or using the Noryo service (hereinafter the "User" or "you") and Evorax Technologies, the publisher and operator of the Noryo service (hereinafter the "Publisher", "Noryo" or "we"), whose full identification appears in the Legal Notice. These Terms govern access to and use of the Service in their entirety.

We invite you to read these Terms carefully before any use of the Service. By creating an account, accessing the Service or using it in any way whatsoever, you acknowledge that you have read, understood and accepted these Terms in their entirety, together with the documents to which they refer. If you do not accept these Terms, you must not access or use the Service.

Article 1 - Definitions

In these Terms, capitalised terms have the meaning ascribed to them below, whether used in the singular or the plural.

Article 2 - Purpose and acceptance

2.1 Purpose

The purpose of these Terms is to define the terms and conditions under which the Publisher makes the Service available to the User, as well as the rights and obligations of the parties.

2.2 Acceptance

Acceptance of these Terms is full and complete. The User may not accept only part of the Terms nor qualify them with reservations. Any use of the Service constitutes acceptance of the Terms in force on the date of such use.

2.3 Interaction of the Contractual Documents

These Terms apply without prejudice to the other Contractual Documents, which form an integral part of them. In the event of conflict, the provision most specific to the subject concerned prevails, subject to mandatory legal provisions.

Article 3 - Capacity and eligibility

3.1 Legal capacity

The User represents and warrants that they have full legal capacity to enter into these Terms. The Service is intended for adults.

3.2 Minor members of a household

A minor may only be associated with the Service as a "junior" member of a household, at the initiative and under the sole responsibility of an adult member, who warrants that they hold the required authority.

3.3 Regulatory compliance of the User

The User warrants that their use of the Service complies with the laws and regulations applicable to them.

Article 4 - Account

4.1 Creation

Access to the features of the Service requires the creation of an Account. The User undertakes to provide accurate, truthful, complete and up-to-date information, and to update it without delay in the event of any change.

4.2 Uniqueness and personal nature of the Account

The Account is personal. Except for the expressly provided household feature, the User shall refrain from sharing their Account or transferring access to it to a third party.

4.3 Security of credentials

The User is solely responsible for maintaining the confidentiality of their credentials and for controlling their devices. Any operation carried out using their credentials is deemed to originate from them. They shall inform the Publisher without delay, at legal@noryo.app, of any loss, disclosure or unauthorised use.

4.4 Accuracy of information

The User remains responsible for the accuracy of the information they provide or upload and for the consequences of erroneous or outdated information.

Article 5 - Description of the Service

5.1 Nature of the Service

The Service is a personal financial organisation tool with an informational purpose. It is neither a credit institution, nor a payment institution, nor an investment services provider, nor a financial investment adviser.

5.2 Features

The Service may include, depending on the Plan and the activated settings:

• the read-only aggregation of the User's bank accounts, through the Aggregation Provider;
• the categorisation of transactions, budget tracking and the production of projections;
• the detection and tracking of subscriptions and recurring commitments;
• the analysis of documents and receipts, as well as their storage within a dedicated space;
• the Assistant, providing information and analyses;
• household, export, notification and dashboard features.

5.3 Informational nature and absence of advice

5.4 Changes to features

The Publisher may add, modify or remove all or part of the features, in particular for reasons of security, quality, compliance or economic viability, while respecting the rights acquired under a current Paid Plan.

Article 6 - Bank account aggregation

6.1 Use of an authorised provider

The connection of bank accounts is ensured by the Aggregation Provider, within the framework of the second Payment Services Directive. The Publisher is not itself an account information service provider.

6.2 Consent and read-only access

The connection is based on the User's explicit consent, collected by the Aggregation Provider. Access is strictly limited to consultation; no payment operation may be initiated.

6.3 Revocation

Consent may be revoked at any time. The terms are specified in the Account Access Conditions.

Article 7 - Artificial intelligence

The use of the Assistant is governed by the AI Terms of Use and the AI Transparency Policy. The Assistant's responses may be inaccurate or incomplete; the User retains full responsibility for the decisions and actions they confirm.

Article 8 - User Content

8.1 Ownership

The User retains all rights they hold in their User Content.

8.2 Licence granted to the Publisher

The User grants the Publisher a non-exclusive licence, strictly limited to what is necessary for the hosting, processing and provision of the Service, for the duration of use of the Service.

8.3 User warranties

The User warrants that they hold the necessary rights in their User Content and that it does not infringe the rights of third parties or the law.

Article 9 - Publisher's intellectual property

9.1 Ownership of rights

The Service and all of its components, in particular the software, code, interfaces, databases, trademarks, names, logos, graphic charters and editorial content, are protected and remain the exclusive property of the Publisher or its licensors.

9.2 Licence to use

The Publisher grants the User a personal, non-exclusive, non-assignable and non-transferable right of use, for the sole duration of use of the Service and for their own needs, to the exclusion of any other use.

Article 10 - Acceptable use and restrictions

The User undertakes to use the Service in accordance with its intended purpose, the law and these Terms, and in particular to comply with the Acceptable Use Policy. They shall refrain in particular from any breach of the security, integrity or availability of the Service, any mass extraction of data and any attempt to reconstitute the code, except within the limits permitted by law.

Article 11 - Paid Plans

The financial conditions and the terms of subscription, renewal, termination and withdrawal of Paid Plans are governed by the Terms of Sale.

Article 12 - Availability, maintenance and continuity

12.1 Availability

The Publisher implements reasonable efforts to ensure the accessibility of the Service, without any guarantee of uninterrupted availability. The Service is provided under a best-efforts obligation.

12.2 Maintenance

The Publisher may carry out maintenance operations, whether scheduled or not, that may result in a temporary interruption of all or part of the Service.

12.3 Technical dependencies

The operation of the Service requires resources and connections that are the responsibility of the User, as well as services provided by third parties, whose availability the Publisher does not control.

Article 13 - Third-party services and links

The Service may rely on third-party services or include links to third-party resources. The Publisher exercises no control over these services and resources and disclaims any liability as to their content, availability and practices.

Article 14 - Warranties and exclusions

14.1 Data from third parties

The information provided by the Service originates in particular from third parties, in particular banks and the Aggregation Provider. It is not guaranteed to be accurate, complete, continuous or up to date.

14.2 Scope of warranties

Within the limits permitted by law, and without prejudice to the statutory warranties from which the consumer User benefits, the Service is provided as is and as available, without any warranty of fitness for a particular purpose.

Article 15 - Limitation of liability

15.1 Principle

Within the limits permitted by law, the Publisher's liability cannot be incurred on account of decisions made by the User on the basis of the information provided by the Service, nor for indirect damage, such as loss of business, loss of data not attributable to the Publisher or consequential financial harm.

15.2 Mandatory provisions

No provision of these Terms may limit or exclude the Publisher's liability in the event of gross negligence, wilful misconduct or personal injury, nor set aside the rights that the law, in particular consumer protection law, does not allow to be excluded.

Article 16 - User conduct

The User is liable for the harmful consequences of any use of the Service contrary to these Terms, the law or the rights of third parties, under general law.

Article 17 - Term, suspension and termination

17.1 Term

These Terms apply throughout the duration of use of the Service.

17.2 Termination by the User

The User may stop using the Service and delete their Account at any time.

17.3 Suspension and termination by the Publisher

The Publisher may suspend or terminate access, where appropriate without notice in the event of a serious breach, in particular in the event of abusive or fraudulent use, use contrary to these Terms or use liable to compromise the security of the Service or the rights of third parties.

17.4 Effects and survival

Termination results in the cessation of the right of use. The provisions which, by their nature, are intended to survive, in particular those relating to intellectual property, liability and governing law, remain in force. The fate of the data is governed by the Privacy Policy.

Article 18 - Personal data

The processing of personal data is described in the Privacy Policy and on the Exercise Your Rights page.

Article 19 - Force majeure

The Publisher's liability cannot be incurred in the event of non-performance resulting from a case of force majeure, within the meaning of Article 1218 of the French Civil Code, or from an unforeseeable and insurmountable act of a third party.

Article 20 - Amendment of the Terms

The Publisher may amend these Terms in order to take account of legal, regulatory, technical or Service-related developments. Substantial amendments are brought to the User's attention by an appropriate means. Continued use of the Service after the amendments take effect constitutes acceptance of the applicable version.

Article 21 - General provisions

21.1 Partial invalidity

If any provision of these Terms is declared void, illegal or unenforceable, the other provisions retain their full effect.

21.2 No waiver

The fact that the Publisher does not invoke a provision shall not constitute a waiver of the right to invoke it subsequently.

21.3 Assignment

The User may not assign these Terms without the prior consent of the Publisher. The Publisher may transfer them in the context of a reorganisation, merger or transfer of business, without any reduction in the User's rights.

21.4 Entire agreement

These Terms, together with the Contractual Documents, express the entire agreement of the parties relating to their subject matter and supersede any prior agreement.

21.5 Headings and language

The headings of the articles are indicative only. The French version of these Terms shall prevail.

Article 22 - Governing law and dispute resolution

22.1 Governing law

These Terms are governed by French law.

22.2 Complaint and mediation

Prior to any action, the User is invited to send a complaint to legal@noryo.app. The consumer User may use consumer mediation free of charge under the conditions specified in the Terms of Sale.

22.3 Jurisdiction

Failing amicable resolution, the dispute falls within the jurisdiction of the competent courts in accordance with the applicable rules of law, the consumer being able in particular to bring the matter before the court of their place of residence.