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Terms of Service

Last updated: September 2026 — version 2.0

1. Agreement to Terms; Privacy Policy

These Terms of Service (the "Terms") form a legally binding agreement between you ("you" or the "User") and ADVIJU INVESTISSEMENT SAS, a simplified joint-stock company incorporated in France (hereinafter "Fibo", "we" or "our"), governing your use of the Fibo mobile application (the "App"), the fibo-crypto.fr website (the "Site") and all associated features, tools, content and services (collectively, the "Functionality" or the "Service"). By accessing the Service, downloading the App or using any of the Functionality, you confirm that you have read, understood and agreed to be bound by these Terms. If you do not accept these Terms, you must not use the Service. These Terms supersede and replace any earlier version of the Fibo terms of use, in particular any version providing for a discretionary management mandate, an investment advisory service or a custody service for your digital assets. Those services ended on 1 July 2026 and are no longer offered. Our Privacy Policy describes how we collect, use and share your information. By using the Service, you also agree to the collection and use of your data in accordance with our Privacy Policy. The Privacy Policy forms an integral part of these Terms.

2. Changes to Terms or Functionality; Third-Party Services

Fibo reserves the right to amend these Terms at any time. In the event of a material change, we will notify you through the App, the Site or by any other reasonable means. The date of the latest update appears at the top of these Terms. Your continued use of the Service after the amended Terms are published constitutes acceptance of the new Terms. If you do not accept the amended Terms, you must stop using the Service. Fibo may, at any time and without notice, modify, suspend or discontinue all or part of the Functionality. We may also impose limits on certain features or restrict your access to all or part of the Service, without notice or liability. Any such interruption does not affect your access to your digital assets, which remain accessible using your private keys, independently of the Service. The Service may contain links to websites, applications or services operated by third parties. Fibo does not control these third-party services and accepts no responsibility for their content, privacy policies or practices. Your use of these third-party services is governed by their own terms.

3. Who May Use the Functionality

To use the Service, you must:

• Be at least 18 years old or have reached the age of majority in your jurisdiction of residence;
• Have the legal capacity to enter into a binding contract;
• Not be a person prohibited from using the Service under the laws of your jurisdiction of residence or any other applicable jurisdiction;
• Not appear on any economic or trade sanctions list, including those maintained by the European Union, the U.S. Treasury (OFAC) or any other competent authority;
• Not reside in a country or territory subject to a comprehensive embargo.

By using the Service, you represent and warrant that you meet all of the eligibility conditions above. If you use the Service on behalf of a legal entity, you represent and warrant that you have the authority to bind that entity to these Terms.

4. Right of Withdrawal

In accordance with Articles L.221-18 et seq. of the French Consumer Code, you have fourteen (14) days from the conclusion of the contract to exercise your right of withdrawal, without giving reasons and without penalty. However, by accessing and immediately using the Service, you acknowledge and agree that performance of the Service begins before the withdrawal period expires, and you expressly waive your right of withdrawal in accordance with Article L.221-28 of the French Consumer Code. To exercise your right of withdrawal before using the Service, you may contact us at the address set out in section 23. Contact Information.

5. Feedback

We welcome your comments, suggestions, ideas and other information relating to the Service (collectively, "Feedback"). You acknowledge and agree that Feedback is not confidential and that you grant us a worldwide, perpetual, irrevocable, royalty-free, sublicensable and transferable licence to use, reproduce, modify, adapt, publish, distribute and otherwise exploit the Feedback, in whole or in part, without restriction and without any obligation of compensation or attribution to you.

6. Content Ownership, Responsibility and Removal

6.1 Your Content

The Service may allow you to store, display or transmit certain content, including but not limited to profile information, wallet settings and preferences ("User Content"). You retain all of your intellectual property rights in your User Content. By submitting User Content to the Service, you grant Fibo a worldwide, non-exclusive, royalty-free, sublicensable and transferable licence to use, reproduce, modify, adapt and display that User Content to the extent necessary to provide and improve the Service.

6.2 Fibo Content

The Service contains content owned by or licensed to Fibo, including but not limited to text, graphics, images, logos, trademarks, interfaces and source code ("Fibo Content"). Fibo Content is protected by copyright, trademark and other applicable laws. You may not copy, modify, distribute, sell or lease all or part of the Fibo Content without Fibo's prior written authorisation.

6.3 Blockchain Content

The Service enables you to interact with public, decentralised blockchains. Information and content originating from those blockchains ("Blockchain Content") is not controlled by Fibo. Fibo is not responsible for the accuracy, legality or relevance of Blockchain Content. Your interaction with Blockchain Content is at your own risk.

6.4 Content Removal

Fibo reserves the right, but has no obligation, to monitor, review and remove any content accessible through the Service, at its sole discretion and for any reason, including breach of these Terms. This right applies solely to content displayed within the Service and confers on Fibo no power whatsoever over your digital assets.

7. Rights in App, Site and Functionality Granted by Fibo

Subject to your compliance with these Terms, Fibo grants you a limited, non-exclusive, non-transferable, non-sublicensable and revocable licence to access and use the Service for personal, non-commercial purposes. This licence does not permit you to:

• Use the Service for commercial purposes without Fibo's prior written consent;
• Copy, modify, distribute or create derivative works of the Service;
• Reverse engineer, decompile or disassemble the Service, except where expressly permitted by applicable law;
• Circumvent, disable or otherwise interfere with the security features of the Service;
• Use the Service in a way that could damage, disable, overburden or impair our servers or networks;
• Use robots, scrapers or other automated means to access the Service;
• Remove or alter any copyright or proprietary notice appearing on the Service.

All rights not expressly granted in these Terms are reserved to Fibo. Nothing in these Terms shall be construed as conferring any intellectual property right on you, by implication, estoppel or otherwise.

8. Acceptable Use and Enforcement Rights

You agree not to use the Service to:

• Breach any applicable law, regulation or order, including laws on anti-money laundering, terrorist financing and economic sanctions;
• Infringe the intellectual property rights, privacy rights or any other rights of a third party;
• Transmit viruses, malware or any other harmful code;
• Engage in fraudulent, deceptive or manipulative activity;
• Manipulate the price or trading volume of any digital asset;
• Take part in Ponzi schemes, pyramid schemes or other fraudulent arrangements;
• Attempt to gain unauthorised access to the Service, to other users' accounts or to computer systems connected to the Service;
• Use the Service in a manner liable to interrupt, degrade or impair its operation;
• Harass, threaten or intimidate other users;
• Circumvent or attempt to circumvent the security or access-restriction measures put in place by Fibo.

Fibo reserves the right, at its sole discretion, to investigate any suspected breach of these Terms and to take such action as it deems appropriate, including suspending or terminating your access to the Service, reporting to the competent authorities and bringing legal proceedings. Such measures relate to access to the software and in no circumstances allow Fibo to act on your digital assets, of which Fibo has neither custody nor control.

9. Fees

Downloading and basic use of the Fibo App are free of charge. However, certain Functionality may incur fees, including:

• Network fees (gas fees): blockchain transactions require payment of network fees to validators. These fees are not collected by Fibo and are determined by the underlying blockchain protocols;
• Publisher fees: Fibo collects, for its own account and in its capacity as publisher of the software, a commission on certain operations carried out through the Service, in particular digital asset exchanges (swaps). This commission remunerates the provision and maintenance of the software. It is taken in digital assets at the time of the operation, and its amount or rate is shown to you in the App before you authorise the operation. This commission is not consideration for any investment service, advisory service, order execution or custody service;
• Swap fees: the rates displayed when exchanging digital assets are estimates only and the final rate may differ owing to market volatility, slippage and other factors;
• Third-party fees: use of integrated third-party services (in particular services for buying and selling cryptocurrencies against legal tender) may incur additional fees charged directly by those third-party providers under their own schedules.

Fibo reserves the right to introduce new fees or amend existing fees at any time. Any change will be communicated through the App or the Site before it takes effect. You are solely responsible for paying all taxes, duties and levies applicable to your transactions carried out through the Service. Fibo provides no tax advice, makes no tax withholding on your behalf and files no tax return for your account.

10. Fiat Services and Arrangements with Third Parties

The Service integrates or interfaces with services supplied by independent third parties. Fibo is not a party to the agreements you enter into with those third-party providers and accepts no responsibility for their services, products or practices.

Provider	Service	Contractual relationship	Applicable terms
Transak	Purchase and sale of crypto-assets against legal tender (card, bank transfer). Transak carries out its own identity verification (KYC) and anti-money-laundering (AML) procedures.	Contract concluded directly between you and Transak	Transak Terms
Privy	Embedded wallet technology, authentication (Google, Apple) and account recovery. Keys remain under your exclusive control.	Technical service provider to Fibo	Privy Terms
Biconomy	Gasless transactions and account abstraction	Technical service provider to Fibo	Biconomy Terms
LI.FI	Bridge and cross-chain exchange aggregation for swaps	Technical service provider to Fibo	LI.FI Terms

Use of any third-party service is subject to that provider's own terms and conditions. It is your responsibility to read and accept those terms before using the third-party service concerned. Fibo does not warrant the availability, reliability or security of these third-party services. Identity verification (KYC) and anti-money-laundering and counter-terrorist-financing (AML/CFT) procedures required for operations in legal tender are carried out exclusively by the relevant third-party provider, and not by Fibo. Fibo has no access to the identity documents or verification data collected by that provider in the course of those procedures.

11. Third-Party Functionality

The Service may integrate, display or provide access to decentralised finance (DeFi) protocols, decentralised applications (dApps), smart contracts and other functionality developed and operated by third parties ("Third-Party Functionality"). Fibo does not develop, control or audit Third-Party Functionality. Fibo acts solely as a software interface facilitating access to it. Accordingly:

• Fibo does not warrant the operation, security or reliability of Third-Party Functionality;
• Fibo is not liable for losses, damage or harm arising from your use of Third-Party Functionality;
• The display or integration of Third-Party Functionality within the Service does not constitute an endorsement, recommendation, advice or warranty by Fibo;
• Yields or rates displayed for DeFi protocols are indicative, originate from the protocols themselves or from third-party sources, and are subject to change. Fibo guarantees no yield and promises no performance.

You acknowledge that interacting with Third-Party Functionality, including smart contracts, carries inherent risks, including bugs, exploits, security vulnerabilities and total loss of funds.

12. Termination

These Terms remain in force for as long as you use the Service. Termination by you: you may stop using the Service at any time by uninstalling the App and ceasing to access the Site. Given the non-custodial nature of the Service, your digital assets remain accessible through your private keys or recovery phrase, regardless of your use of the Fibo Service. Before uninstalling the App, it is your responsibility to export and safely store your private keys. Termination by Fibo: Fibo may suspend or terminate your access to the Service at any time, with or without cause, with or without notice, including for breach of these Terms. Such termination deprives you of access to the software but in no way affects your ownership of, or access to, your digital assets. Upon termination, those provisions of these Terms which by their nature should survive will continue to apply. Termination does not affect rights and obligations that arose before the termination date.

13. Warranty Disclaimers

THE SERVICE, THE APP, THE SITE AND THE FUNCTIONALITY ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT OR ACCURACY. Fibo does not warrant that:

• The Service will be available uninterrupted, secure or error-free;
• The results obtained from using the Service will be accurate or reliable;
• Defects in the Service will be corrected;
• The Service will be compatible with any other software, system or device;
• The Service will be free of viruses, malware or other harmful components.

You acknowledge and agree that your use of the Service is at your own risk. No advice or information, whether oral or written, obtained from Fibo or through the Service creates any warranty not expressly stated in these Terms. The warranty disclaimers above apply to the extent permitted by applicable law. Some jurisdictions do not allow the exclusion of certain warranties, in which case the above exclusions may apply only in part.

14. Legal Guarantee of Conformity

In accordance with Articles L.224-25-12 et seq. of the French Consumer Code, transposing Directive (EU) 2019/770, the Service benefits from the legal guarantee of conformity for digital content and services. If a lack of conformity is found within two (2) years of the Service being supplied, you are entitled to have the Service brought into conformity. If bringing it into conformity is impossible or cannot be done without disproportionate cost, you may obtain a price reduction or rescission of the contract, under the conditions provided by law. Important clarification: the legal guarantee of conformity applies to the software features of the Service (user interface, operation of the application, execution of the operations you initiate). It does not apply to, and must not be construed as covering:

• The results, performance or yields of the digital assets, blockchain protocols or smart contracts with which you interact through the Service;
• Fluctuations in the value of digital assets;
• The operation of the underlying blockchains, which are decentralised networks independent of Fibo;
• Services supplied by third-party providers, in particular services for buying and selling against legal tender.

15. No Professional Advice, No Regulated Status, No Fiduciary Duties

ADVIJU INVESTISSEMENT SAS ceased all digital asset service provider activity on 1 July 2026 and has applied to be struck off the register maintained by the French Financial Markets Authority (AMF), on which it had been registered under number E2023-089. Accordingly, and expressly:

• Fibo is not a digital asset service provider (PSAN) within the meaning of Article L.54-10-2 of the French Monetary and Financial Code;
• Fibo is not a crypto-asset service provider (CASP) within the meaning of Regulation (EU) 2023/1114 (MiCA);
• Fibo is not registered with or authorised by the French Financial Markets Authority (AMF), the French Prudential Supervision and Resolution Authority (ACPR) or any other supervisory authority;
• Fibo is not an investment services provider, a financial investment adviser, a portfolio management company, a broker, a dealer, a custodian, a credit institution or a payment institution.

Fibo is a software publisher providing a technical interface enabling its users to interact, by themselves, with public blockchains. Fibo does not:

• Recommend, endorse or guarantee any digital asset, protocol, investment or strategy;
• Provide investment advice, personalised recommendations or discretionary management services;
• Hold, store or control your digital assets or your private keys;
• Determine the suitability or appropriateness of any digital asset investment for you;
• Receive, transmit or execute orders for your account or on your behalf;
• Buy or sell digital assets on behalf of third parties.

Any general information, educational content, yield indicator and market data displayed in the Service is provided for information purposes only and constitutes neither a personalised recommendation, nor a solicitation, nor an offer to buy or sell. You should consult your own legal, financial, tax and other professional advisers before making any decision relating to digital assets. Any decision to buy, sell, hold or exchange digital assets is taken on your own initiative and at your sole responsibility.

16. Indemnity

To the extent permitted by applicable law, you agree to indemnify, defend and hold harmless Fibo, its officers, directors, employees, agents, affiliates, successors and assigns (the "Indemnified Parties") from and against any claim, damage, loss, liability, cost and expense (including reasonable legal fees) arising out of or connected with:

• Your use of, or inability to use, the Service;
• Any breach of these Terms by you;
• Any breach of applicable law or of a third party's rights by you;
• Any transaction you initiate through the Service;
• Your User Content.

Fibo reserves the right, at your expense, to assume the exclusive defence and control of any matter subject to indemnification by you, and you agree to cooperate with Fibo in defending such claims.

17. Limitation of Liability

TO THE EXTENT PERMITTED BY APPLICABLE LAW, in no event shall Fibo, its officers, directors, employees, agents or affiliates be liable to you or any third party for:

• Any indirect, incidental, special, consequential or punitive damages, including loss of profits, data, goodwill or other intangible losses;
• Any loss of digital assets resulting from the loss, theft or disclosure of your private keys, recovery phrase or authentication credentials;
• Any damage arising from (i) your access to or use of, or inability to access or use, the Service; (ii) any third-party conduct or content on the Service; (iii) any content obtained from the Service; or (iv) any unauthorised access to, use of or alteration of your transmissions or data.

To the extent permitted by applicable law, Fibo's total aggregate liability under or in connection with these Terms, whatever the cause and whatever the basis of liability (contract, tort, strict liability or otherwise), shall not exceed one hundred euros (EUR 100). The limitations of liability above apply to the extent permitted by applicable law. They do not apply where liability cannot be limited or excluded under French law, in particular in cases of wilful misconduct, gross negligence or personal injury.

18. Acknowledgment of Certain Risks; Other Disclaimers; Release of Claims

By using the Service, you acknowledge, understand and accept the following risks:

18.1 Blockchain Technology Risks

• Blockchains are experimental technologies. They may be subject to bugs, security vulnerabilities, attacks, forks or protocol changes;
• Blockchain transactions are irreversible. Once confirmed, a transaction cannot be cancelled, reversed or refunded by Fibo or by anyone else;
• Network fees (gas fees) are unpredictable and can be high during periods of heavy network congestion;
• Smart contracts may contain bugs or vulnerabilities that can result in the loss of your assets.

18.2 Digital Asset Risks

• The value of digital assets is extremely volatile and may fall to zero;
• Digital asset markets may be manipulated and are less regulated than traditional financial markets;
• Digital assets may be affected by legislative or regulatory changes that could affect their value, their legality or your ability to use them;
• Certain digital assets may be treated as financial instruments in some jurisdictions.

18.3 Service and Self-Custody Risks

• Your private keys and recovery phrases are your sole responsibility. Losing them results in the irreversible and permanent loss of access to your assets. Fibo has no means of restoring them;
• A transaction sent to an incorrect address cannot be recovered;
• Swap rates displayed in the Service are estimates only. The actual rate may differ owing to slippage, market volatility and other factors;
• The Service depends on internet and blockchain infrastructure, which may be unavailable or fail;
• Biometric passkeys and account recovery through Privy are subject to their own risks and limitations.

18.4 Regulatory Risks

• The regulatory environment for digital assets is constantly evolving. New laws or regulations could restrict or prohibit use of the Service in certain jurisdictions;
• Fibo may be required to modify, restrict or discontinue certain Functionality in order to comply with applicable law;
• As the Service is not a regulated service, you benefit from no guarantee scheme, compensation scheme or investor protection, and have no recourse to a supervisory authority in respect of its use.

Release of claims: to the extent permitted by applicable law, you waive any claim against the Indemnified Parties in respect of damage, loss or harm arising from the risks described above. This waiver does not apply where it is prohibited by applicable law, in particular in cases of gross negligence, wilful misconduct or personal injury.

19. Dispute Resolution

In the event of a dispute relating to these Terms or the Service, you and Fibo undertake to seek an amicable solution before commencing any legal proceedings. You may send a written complaint to Fibo at the address set out in section 23. Contact Information. Fibo will endeavour to respond to your complaint within thirty (30) days. Failing amicable resolution within sixty (60) days of receipt of the complaint, the dispute may be brought before the competent courts in accordance with section 21. Governing Law.

20. Consumer Mediation

In accordance with Articles L.612-1 et seq. of the French Consumer Code, where a dispute is not resolved amicably, you may use, free of charge, the consumer mediation service to which ADVIJU INVESTISSEMENT SAS is affiliated. The contact details of the competent consumer mediator will be set out below; its appointment is in progress. You may also use the European online dispute resolution platform: https://ec.europa.eu/consumers/odr.

21. Governing Law

These Terms are governed by and construed in accordance with French law, without regard to its conflict-of-laws rules. Any dispute relating to these Terms or the Service that cannot be resolved amicably shall be subject to the exclusive jurisdiction of the courts of Paris, France. However, in accordance with the French Consumer Code, if you act as a consumer, you may also bring proceedings before the courts of your place of domicile. Nothing in these Terms shall deprive a consumer of the rights mandatorily granted by the law of their habitual residence.

22. General Terms

22.1 Entire Agreement

These Terms, together with the Privacy Policy and any other document incorporated by reference, constitute the entire agreement between you and Fibo concerning the Service and supersede all prior or contemporaneous agreements, written or oral, relating to the Service — in particular any management mandate previously concluded, which ended under the conditions described in section 24.

22.2 Severability

If any provision of these Terms is held invalid, illegal or unenforceable by a competent court, that provision shall be modified and construed so as to achieve the objectives of the original provision to the extent permitted by applicable law, and the remaining provisions shall remain in full force and effect.

22.3 Waiver

Fibo's failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be express and made in writing.

22.4 Assignment

You may not assign or transfer these Terms, in whole or in part, without Fibo's prior written consent. Fibo may assign or transfer these Terms, in whole or in part, without restriction. Subject to the foregoing, these Terms shall bind the parties and their respective successors and assigns.

22.5 Notices

Fibo may send you notices through the App, the Site, by email or by any other reasonable means. You are deemed to have received any notice sent to the email address associated with your account. Notices you send to Fibo must be sent to the address set out in section 23. Contact Information.

22.6 Force Majeure

Fibo shall not be liable for any delay or failure in performing its obligations under these Terms where such delay or failure results from circumstances beyond its reasonable control, including but not limited to: natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, flood, pandemics, telecommunications or power network failures, blockchain or decentralised network failures, cyberattacks, or legislative or regulatory changes.

22.7 Relationship of the Parties

Nothing in these Terms creates a partnership, joint venture, employment, agency, management or franchise relationship between you and Fibo. You have no authority to commit or bind Fibo in any way, and Fibo has no authority to act on your behalf.

22.8 Headings

Section headings in these Terms are for convenience only and have no legal or contractual effect.

22.9 Language

These Terms were drafted in French. This English version is provided for information purposes; in the event of any discrepancy, the French version prevails.

23. Contact Information

For any question or complaint relating to these Terms or the Service, you may contact us:

• Company name: ADVIJU INVESTISSEMENT SAS
• Trade name: Fibo
• Registered office: 22 rue Durantin, 75018 Paris, France
• Company registration number (RCS): 919 110 387 R.C.S. Paris
• EU VAT number: FR55919110387
• Publication director: Victor Gillibert
• Email: [email protected]

24. Transitional provision — orderly wind-down and return of assets

24.1 End of the former offering

Until 30 June 2026, ADVIJU INVESTISSEMENT SAS offered, as a digital asset service provider registered with the AMF, a managed portfolio product based on a discretionary management mandate and including a custody service for digital assets on behalf of third parties. That offering ended on 1 July 2026, at the expiry of the French transitional period for the application of Regulation (EU) 2023/1114 (MiCA). From that date:

• Management mandates concluded with users are terminated by operation of law;
• ADVIJU no longer carries out any rebalancing, purchase, sale or exchange on behalf of users;
• No entry, exit or management fee is charged any longer under the former management mandate;
• ADVIJU is carrying out the orderly return of the digital assets still held on behalf of users, under the conditions described below.

24.2 How assets are returned

If digital assets belonging to you are still held under the former offering, they will be returned to you in full and free of any return fee, according to the option you choose:

• Return in crypto-assets — transfer of the assets to a wallet address that you own and provide to us. That address may be your Fibo non-custodial wallet or any other wallet of your choosing. It is your responsibility to verify that the address is correct and that the network is compatible: a transfer to an incorrect address is irreversible and cannot give rise to any compensation.
• Return in euros — conversion of the assets into euros and payment to a bank account in your name, held with an institution located in the European Economic Area. Conversion is carried out at the market rate observed at the time of execution; the value returned therefore depends on that rate and is not guaranteed. Any conversion fees charged by the third-party provider carrying out the operation will be shown to you before you confirm.

24.3 Timetable

Return operations are being carried out during September 2026. Given the number of cases, the need to verify each beneficiary's identity and the lead times of the third-party providers involved in conversions and transfers, this period may be extended until the end of October 2026. ADVIJU will notify you individually, by email and by in-app notification, when the procedure concerning you opens, of the choice available to you and of the deadline for exercising it.

24.4 Absence of instructions from you

If you do not communicate your choice and the necessary details (wallet address or bank details) before the deadline notified to you, ADVIJU will keep your assets available to you and will send you reminders. Failing a response once those reminders are exhausted, ADVIJU INVESTISSEMENT SAS shall continue to hold the assets concerned on behalf of their owners and shall implement the appropriate solution in accordance with French law applicable to unclaimed property.

24.5 Identity verification

Before any return, ADVIJU verifies your identity and your status as beneficiary, in order to prevent any return to an unauthorised third party. This verification may require supporting documents. It is carried out as part of the orderly wind-down of the former activity and in accordance with the record-keeping obligations that survive its cessation.

24.6 Scope of this section

The sole purpose of this section is to organise the closure of the former offering. It creates no new service, reinstates no management mandate, no custody service and no investment service, and must not be construed as the continuation of a regulated activity. Once the return has been completed, only sections 1 to 23 of these Terms govern your relationship with Fibo. For any question about the return of your assets, write to [email protected] stating the email address associated with your Fibo account.