TERMS AND CONDITIONS OF SALE

COLBER – Financial decision assistant (Phase 1)

Last updated: February 02, 2026

PREAMBLE

These General Terms and Conditions of Sale (hereinafter the "GTCS") govern the contractual relations between, on the one hand:

The Seller (The Publisher): Thomas FOURNIER, sole proprietor operating under the micro-enterprise regime.

Commercial name: COLBER

SIRET: 999 341 795 00014

Registered office: 14 Boulevard Jean Jaurès, 92100 Boulogne-Billancourt, France.

Email: contact.colber@gmail.com (Hereinafter "COLBER")

And on the other hand:

The Buyer (The Client): Any natural or legal person, consumer or professional, purchasing a Service or subscribing to a paid Subscription on the COLBER Site or Application. (Hereinafter the "Client" or the "User").

ARTICLE 1 – PURPOSE AND SCOPE

The purpose of these GTCS is to define the rights and obligations of the parties in the context of the online sale of Services and Subscriptions offered by COLBER.

They apply, without restriction or reservation, to all sales concluded by COLBER with buyers wishing to acquire the services offered for sale by the Seller on the website colber.app or the mobile Application.

The Client declares having read these GTCS and having accepted them by checking the box provided for this purpose before the implementation of the online ordering procedure.

ARTICLE 2 – CHARACTERISTICS OF THE SERVICES

The Services offered for sale are those appearing on the Site and the Application on the day of consultation by the Client. They notably include access to decision support modules (Phase 1):

• Radar module: Signal engineering and market analysis.

Important Warning: In accordance with Article 7 Bis of the Terms of Use (TOU), the Client expressly acknowledges that the Services are decision support tools of an informative, statistical, and educational nature. COLBER provides no personalized investment advice. The purchase of a Subscription guarantees no financial result nor any yield.

ARTICLE 3 – SUBSCRIPTION METHODS AND SALES CHANNELS

The contractual terms differ depending on the acquisition channel used by the Client:

3.1. Subscription via the Website (Direct sale)

When the Client subscribes via the Website, the contract is concluded directly between the Client and COLBER. The management of the Subscription (payment, invoicing, termination) is governed by these GTCS and secured by the payment provider Stripe.

3.2. Subscription via Stores (Indirect sale)

When the Client subscribes via the Apple App Store or the Google Play Store, COLBER is not a party to the payment contract. The financial management of the Subscription (payment, renewal, refund) is governed exclusively by the general terms of sale of Apple or Google. For any claim related to billing on these channels, the Client must contact the relevant platform directly.

ARTICLE 4 – RATES

4.1. Price determination

The Services are provided at the unit rates in force appearing on the schedule accessible on the Site or Application on the day the order is recorded by the Seller.

Prices are expressed in Euros and All Taxes Included (ATI). They take into account any reductions (discounts, rebates, and refunds) that may be granted by COLBER under the conditions specified on the Site or Application.

4.2. Price revision

COLBER reserves the right to modify its prices at any time, it being understood that the price appearing on the Site or Application on the day of the order shall be the only one applicable to the Client for the initial period subscribed.

For subscriptions with renewal: The Client will be informed of any price modification by email at least four (4) weeks before its entry into force. The new rates will apply only upon renewal of the Subscription. The Client refusing this modification has the option to terminate their Subscription before the date of application of the new rate, according to the terms provided in the "Termination" article.

ARTICLE 5 – PAYMENT

5.1. Methods and payment deadlines

The price is payable in full immediately, on the day the order is placed by the Client. No discount will be granted for early payment.

For Web subscriptions, payment is made by secure payment via credit card through the provider Stripe. The Client guarantees to the company COLBER that they have the necessary authorizations to use the payment method chosen during the validation of the order.

5.2. Late payment and penalties

In the event of total or partial default of payment at the due date, the company COLBER reserves the right to immediately suspend access to Premium Services and to demand full payment of the sums due.

Furthermore, any late payment will automatically result, without prior formal notice, in the application of late penalties calculated on the basis of a rate equal to three (3) times the legal interest rate in force.

If the Client is acting as a professional, they will also accurately be liable for a fixed compensation for recovery costs of forty (40) euros (Articles L.441-10 and D.441-5 of the French Commercial Code). When the recovery costs incurred are higher than the amount of this fixed compensation, COLBER reserves the right to request additional compensation upon justification.

ARTICLE 6 – DURATION AND TACIT RENEWAL

Subscriptions are subscribed for a specific duration (monthly or annual) specified at the time of the order.

Unless terminated by the Client before the due date, the Subscription is tacitly renewed for a duration identical to that initially subscribed.

In accordance with Article L.215-1 of the French Consumer Code, the Consumer Client will be informed in writing, at the earliest three months and at the latest one month before the end of the period authorizing the rejection of the renewal, of the possibility not to renew the contract.

ARTICLE 7 – RIGHT OF WITHDRAWAL

In accordance with the legal provisions in force, the Consumer Client has a period of fourteen (14) days from the subscription to exercise their right of withdrawal without having to justify reasons or pay a penalty.

To exercise this right, the Client must notify their decision by email to the address: contact.colber@gmail.com.

In case of valid withdrawal, COLBER will proceed with the refund of the sums paid within a period of fourteen (14) days, via the same means of payment as that used during the order.

ARTICLE 8 – TERMINATION

The Client may terminate their Subscription at any time:

• Via the web: Termination is carried out from the Client's personal space. It takes effect at the end of the current Subscription period.
• Via the stores: Termination must be carried out directly in the settings of the Client's Apple or Google account.

No pro-rata temporis refund is made for the period strictly commenced, except in the exercise of the right of withdrawal.

ARTICLE 9 – LIABILITY

COLBER commits to providing the Services diligently and according to the rules of the art, it being specified that it is bound by an obligation of means, to the exclusion of any obligation of result.

Limitation: COLBER's liability cannot be engaged for financial losses suffered by the Client on the markets, as COLBER is neither a custodian nor a fund manager. In any event, COLBER's liability is strictly limited to the amount of sums effectively paid by the Client for their Subscription during the last twelve (12) months.

ARTICLE 10 – FORCE MAJEURE

The execution of the Seller's obligations under these terms is suspended in the event of the occurrence of a fortuitous event or force majeure which would prevent its execution (Article 1218 of the French Civil Code). If the impediment lasts more than three (3) months, the contract may be terminated automatically by either party.

ARTICLE 11 – PERSONAL DATA

Personal data collected during the order (notably via Stripe) are necessary for transaction management and invoicing. They are processed in accordance with COLBER's Privacy Policy and the GDPR. The Client has a right of access, rectification, and erasure of their data which they can exercise at the address contact.colber@gmail.com.

ARTICLE 12 – APPLICABLE LAW AND DISPUTES

These GTCS are governed by French law. They are drafted in the French language. In the event that they are translated into one or several languages, only the French text shall prevail in case of a dispute.

All disputes to which the purchase and sale operations concluded pursuant to these GTCS could give rise, concerning both their validity, their interpretation, their execution, their termination, their consequences and their follow-up and which could not be resolved between the Seller and the Client will be submitted to the competent courts under the conditions of common law.