Terms of Use

1. Purpose
These General Terms and Conditions of Use (GTC) govern access to and use of the website accessible at [URL] (hereinafter the "Site") published by LEGAGNEUX Baptiste (hereinafter "Publisher").
By accessing the Site, you (hereinafter "User") acknowledge that you have read and agree to these Terms of Use without reservation. If you do not agree to all or part of these Terms, please do not use the Site.

2. Legal notices
In accordance with the provisions of Law No. 2004-575 of 21 June 2004 on Confidence in the Digital Economy (LCEN) and applicable legal obligations, the following information is made available:
Website Publisher: LEGAGNEUX Baptiste – individual
Email: theiaj@gmail.com
Hosting provider: Wix Online Platform Limited, 1 Grant's Row, Dublin 2 D02 HX96, Ireland.
The User may contact the publisher with any questions relating to the Site or its content.

2. Description of services
The Site offers articles, analyses, and studies related to investment, financial markets, and wealth structuring tools. This content is for informational and educational purposes only. It does not constitute personalized financial advice or an inducement to buy or sell assets.

3. Access and use
Access to the Site is free, except for certain restricted sections, which require registration or payment where applicable.
You agree to use the Site in accordance with the law, these Terms of Use, and accepted standards of morality. In particular, you agree not to:

• to disrupt the operation of the Site;

• to automatically extract data without authorization (e.g., scraping);

• to copy, distribute or exploit any content from the Site without the Publisher's permission.
  

4. Intellectual Property
The Site's content (text, images, logos, etc.) is protected by intellectual property law. Unless expressly authorized by the Publisher, any unauthorized reproduction or use is prohibited. The Publisher grants the User a non-exclusive, personal, and non-transferable right of access and viewing.

5. Responsibility
The content is provided "as is," and the Publisher makes no warranty as to its completeness or accuracy. The Publisher shall not be liable for any direct or indirect damages arising from the use of the Site or the interpretation of its content. Your decisions are made entirely at your own risk.

6. Personal data & cookies
The Site may collect personal data as described in the Privacy Policy. The Site uses cookies to improve user experience and compile statistics. By continuing to use the Site, you consent to the use of these cookies, in accordance with applicable law.

7. Links to third-party sites
The Site may contain links to other external sites. The Publisher has no control over these sites and assumes no responsibility for their content or operation.

8. Modification of the Terms of Service & Content
The Publisher reserves the right to modify these Terms of Use at any time. Modifications will be applicable as soon as they are posted online, and your continued use of the Site constitutes acceptance of the new Terms of Use. The Publisher may also modify or delete any content from the Site, in whole or in part, without prior notice.

9. Suspension / Termination of Access
The Publisher may suspend or terminate access for any User who does not comply with these Terms of Use, without notice or compensation.

10. Applicable Law and Jurisdiction
These Terms and Conditions are governed by French law. In the event of a dispute, the competent courts are those of the Nouvelle-Aquitaine region, unless otherwise required by law.

11. Contact
For any questions relating to these Terms of Use or the use of the Site:
Publisher: LEGAGNEUX Baptiste
Email: TheIAJ@gmail.com
Address: 1 Grant's Row, Dublin 2 D02 HX96, Ireland
Effective date: 30/10/2025