Cette traduction est une traduction libre et en cas de divergence, la version française prévaut et est considérée comme la référence officielle.

<aside> 📌 APPLICABLE TO NATURAL PERSONS NOT ACTING FOR BUSINESS PURPOSES

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<aside> 📝 MONECO France, a société par actions simplifiée (simplified joint stock company) with share capital of 1,000 euros, registered with the Nanterre Trade and Companies Register under number 915 343 768, having its registered office at 99 Avenue Achille Peretti, 92200 Neuilly-sur-Seine and registered with the Autorité de Contrôle Prudentiel et de Résolution (ACPR) as a payment service provider under number 731771, referred to as the "Partner" in this Agreement, offers a financial application enabling its customers residing in France to have a Payment Account and a Payment Card in order to improve their access to banking services.

The MONECO service involves opening a Payment Account for each Customer with an associated Payment Card. The Payment Account enables the Customer to make transfers to and from a bank account or a Payment Account and the Payment Card enables the Customer to make online and in-store payments and cash withdrawals subject to the conditions set out in the MONECO General Terms and Conditions of Use.

In order to be able to offer these services, MONECO has called on the payment service provider XPOLLENS, which provides the Payment Services (opening of the payment account and associated payment services), which are the subject of this Agreement.

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The Partner wishes to offer payment services to natural persons who are not acting for professional purposes. These services include in particular the opening of a payment account and the provision of a payment card.

To this end, the Partner has called on the payment service provider XPOLLENS :

• XPOLLENS is a société par actions simplifiée (simplified joint stock company) with capital of 64,427,585 euros, having its registered office at 110 avenue de France 75013 Paris, registered with the Paris Trade and Companies Registry under number 501 586 341, (e-mail: [email protected]).
• XPOLLENS is an electronic money institution authorised by the Autorité de Contrôle Prudentiel et de Résolution, under bank code (CIB) 16528, to issue and manage electronic money and/or to provide certain payment services.
• XPOLLENS is subject to supervision by the Autorité de Contrôle Prudentiel et de Résolution (4 place de Budapest, CS 92459, 75436 Paris Cedex 09) and is registered on the list of institutions authorised to carry on business in France, as published on the website https://www.regafi.fr.
• The Partner is designated as XPOLLENS' Payment Service Agent.

These Terms and Conditions of Use (hereinafter the "Agreement") constitute a framework contract for payment services concluded between XPOLLENS and the Client:

• Their purpose is to set out the general conditions of operation of the Payment Account and the main payment services attached thereto and to specify the rights and obligations of the Client and XPOLLENS.
• The Account is opened in favour of an individual who is not acting for professional purposes, and may not record transactions related to the exercise of a professional activity.

<aside> ⚠️ Important information:

The Customer is asked to read the Agreement carefully before accepting it.

The User declares that, before accepting the Agreement, it has taken cognizance of the information and conditions relating to XPOLLENS, the use of Payment Services, charges, communication with the Service Provider, protective measures and corrective measures, amendment and termination of the Agreement and remedies, which are set out in the Agreement, and more generally of the information that is essential and decisive for its consent within the meaning of Article 1112-1 of the French Civil Code.

Access to and use of the XPOLLENS service implies the Client's full and entire acceptance of these Terms and Conditions. They may be consulted and downloaded at any time on any durable medium from the mobile application.

The Agreement shall remain in full force and effect regardless of any changes that may be made to the structure and legal personality of XPOLLENS, in particular in the event of a merger, takeover or demerger, whether or not a new legal entity is created.

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Definitions

Unless otherwise stipulated, capitalised terms used in the Agreement have the meaning given below. These terms may be used in the singular or plural.

• ACPR: Autorité de Contrôle Prudentiel et de Résolution.