General Terms of Sale

1. Purpose

These General Terms of Sale (the "Terms of Sale") govern the paid services offered by ADVIJU INVESTISSEMENT SAS ("Fibo") through the Fibo application (the "App").

They supplement the Terms of Service. Current prices are also set out on the Pricing page of fibo-crypto.fr.

By using the App's paid services, the User confirms having read and accepted these Terms of Sale. They are available at any time in the App and on fibo-crypto.fr. In the event of any discrepancy, the French version prevails.

2. Provider

3. Description of paid services

3.1 Digital asset swaps

The App allows the User to swap one digital asset for another, on the same network or between two networks, directly from their non-custodial wallet.

• Swaps are executed by third-party protocols and services (in particular the LI.FI aggregator, decentralised exchange protocols and cross-network bridges);
• Fibo provides the software interface giving access to them; Fibo is not an exchange and does not execute transactions on the User's behalf;
• Fibo never holds the User's digital assets; the User signs each transaction with their own keys.

3.2 Other services

• Sending assets to another Fibo user or to an external address: no Fibo fees; only network fees apply (article 4.2).
• Savings accounts (DeFi deposits): access to third-party decentralised yield protocols (such as Aave or Beefy). Funds are deposited directly into the smart contracts of the protocol concerned and are not held by Fibo. Network fees apply; Fibo fees only apply if the User chooses to convert an asset when depositing (article 4.1). Any protocol-specific fees are set by the protocol. Yields shown are variable, not guaranteed, and depend solely on the third-party protocol, over which Fibo has no control; Fibo takes no share of these yields.
• Buying and selling with euros: service provided by the third-party provider Transak, which contracts directly with the User. The applicable fees are Transak's, shown by that provider before the order is confirmed.

4. Prices and fees

Fibo charges two types of fees: Fibo fees (its commission) and network fees. Their amounts are shown separately in the App before every confirmation.

4.1 Fibo fees

4.2 Network fees

• Network fees cover the execution of the operation: blockchain fees and the fees of the technical providers that make it possible (transaction relay, cross-network bridge, swap service), including Biconomy and LI.FI.
• On Ethereum-compatible networks, Fibo advances the execution cost and takes the network fees from the amount of the operation; their amount is calculated by Fibo from its providers' quote at the time of the operation.
• On Solana, network fees are set at 0.00005 SOL per operation, charged on top of the amount sent or taken from the amount swapped.
• On Bitcoin, mining fees are paid directly to the network's miners.
• They vary with the network and how busy it is. Their amount is shown before confirmation; for swaps between networks, part of it may be estimated and the amount received is guaranteed at the minimum shown.

4.3 Pre-contractual information

Before every paid operation, the App shows:

• the amount committed;
• the Fibo fees;
• the network fees;
• for a swap, the estimated amount the User will receive and the guaranteed minimum.

The User confirms the operation after reviewing all of this information.

4.4 Estimates and price movements

• The amount received in a swap is an estimate: it may vary between display and execution because of market movements ("slippage").
• Fibo applies a price tolerance and shows the guaranteed minimum; if execution would result in a lower amount, the transaction fails and the assets remain in the User's wallet (except any network fees already incurred).
• Quotes are valid for a limited time; when a quote expires, the App requests a new one before confirmation.

5. Payment terms

• Fibo fees and network fees are charged in digital assets, automatically, when the operation is executed, from the amount of the operation (except Solana network fees on transfers and Bitcoin mining fees, which are charged on top of the amount).
• No separate payment is required from the User.
• Fees are definitively earned once the transaction has been executed and confirmed on the blockchain.

6. VAT

Fibo fees are subject to value added tax (VAT) in accordance with applicable law:

• Users resident in France: standard rate of 20%;
• Users resident in another EU Member State: One-Stop Shop (OSS) rules;
• Users resident outside the European Union: VAT not applicable, in accordance with territoriality rules.

Fees shown in the App include all taxes.

7. Right of withdrawal

8. Legal guarantee of conformity

In accordance with Articles L.224-25-12 et seq. of the French Consumer Code, the service benefits from the legal guarantee of conformity applicable to digital content and services. In the event of a lack of conformity of the software (technical defect preventing normal use of the service), the User may request that the service be brought into conformity, free of charge and within a reasonable time.

This guarantee does not cover:

• changes in the value and exchange rates of digital assets;
• price differences inherent to decentralised markets, within the guaranteed minimum shown;
• transaction failures caused by congestion or malfunction of blockchain networks;
• errors made by the User (wrong address, wrong network, etc.).

9. Liability

The liability provisions of the Terms of Service apply to the services governed by these Terms of Sale. In particular, Fibo cannot be held liable for:

• differences between the estimated amount and the amount actually received, within the guaranteed minimum shown;
• transaction failures on blockchain networks (congestion, insufficient fees, etc.);
• User errors (sending to a wrong address, selecting a wrong network, etc.);
• malfunctions of the third-party protocols and services used to execute operations;
• losses related to the volatility of digital assets;
• force majeure within the meaning of Article 1218 of the French Civil Code.

To the extent permitted by law, Fibo's total liability under these Terms of Sale is capped at one hundred euros (€100) per User per calendar year. This cap does not apply in the event of gross negligence or wilful misconduct by Fibo, or in the event of personal injury.

10. Complaints and mediation

For any complaint about the paid services, the User may write to [email protected]. Fibo acknowledges receipt within 10 business days and responds within 30 days at the latest.

Consumer mediation: in accordance with Articles L.612-1 et seq. of the French Consumer Code, if a dispute is not resolved amicably, the User may refer it free of charge to the consumer mediator to which ADVIJU INVESTISSEMENT SAS belongs, whose contact details are given in the Terms of Service (section 20).

11. Changes to these Terms of Sale

Fibo may amend these Terms of Sale. The Terms of Sale applicable to an operation are those in force when it is executed; new Terms of Sale only apply to operations carried out after they come into force. The User is informed of any material change by a notification in the App or by any other appropriate means, and the prices that apply are always those shown in the App before confirmation.

12. Governing law

These Terms of Sale are governed by French law. In the event of a dispute about their interpretation or performance, the parties will seek an amicable solution. Failing this, the courts of Paris will have jurisdiction, subject to the mandatory rules of territorial jurisdiction applicable to consumers (Article R.631-3 of the French Consumer Code).

13. Contact

For any question about these General Terms of Sale:

• Email: [email protected]
• Post: ADVIJU INVESTISSEMENT SAS — 22 rue Durantin, 75018 Paris, France
• Website: fibo-crypto.fr