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General terms of use and of sale

Last updated: 22 June 2026

Under review. The clauses have been drafted and the Publisher's identity has been provided. Still to be added are the [SIREN number] and validation by legal counsel before final publication.

1. Purpose

These terms govern access to and use of the Vigilae service (the "Service"), published by Vigilae SAS (the "Publisher"), by any professional subject to AML/CFT obligations (the "Client" or "User").

2. Acceptance

Creating an account, entering an access code, or using the Service constitutes full and unreserved acceptance of these terms.

3. Description of the Service and core principle

Vigilae is an AML/CFT compliance assistance tool: opening a due-diligence file per client or transaction, document extraction, identification of beneficial owners, deterministic risk scoring, screening against sanctions, asset freezes and PEPs, preparation of the suspicious activity report, and assembly of a sealed evidence file.

Core principle: the AI perceives, the engine classifies, the professional decides and reports. The Service prepares, structures, screens, and traces. The User remains solely responsible for decisions and remains the sole reporting party to the FIU. The Service is no substitute for the User's analysis, decision, or report. No transmission to the FIU is carried out automatically by the Service.

4. User obligations

The User remains solely responsible for compliance with their legal and regulatory obligations. In particular, the Service does not relieve the User of the duty:

to develop and keep up to date their written risk classification (risk mapping) (art. L.561-4-1 CMF);
to appoint an officer responsible for implementing the AML/CFT framework;
to ensure the training of their staff;
to assess the risk, to decide whether or not to enter into a business relationship, and to file a suspicious activity report when the conditions of art. L.561-15 CMF are met;
to apply asset-freeze measures without delay, regardless of the amount;
to maintain the confidentiality of the suspicious activity report (art. L.561-18 CMF).

The User undertakes to provide accurate information, to keep their credentials secure, and to use the Service in accordance with the applicable regulations.

5. Accounts and access

Full access to the Service is subject to the creation of an account and, where applicable, the entry of a valid access code. A view-only demonstration may be offered. The User is responsible for the confidentiality of their credentials and for the actions carried out through their account.

6. Pricing and payment

The offers and prices in force are presented on the Pricing page (prices shown exclusive of tax). The Service is provided by subscription (monthly or annual, depending on the chosen offer), payable in advance — by bank card via a secure payment provider, or by bank transfer for quote-based offers. Unless terminated under the conditions of Article 10, the subscription renews automatically by tacit renewal for successive periods of the same duration. Any price change is notified at least 30 days before it takes effect, and the User remains free to terminate before that date. Save for any mandatory provision to the contrary, sums paid in respect of a period already begun are non-refundable.

7. Limitation of liability

No tool can guarantee full compliance or the absence of sanctions. The Service strengthens the control, traceability, and speed of the AML/CFT process, but regulatory responsibility remains that of the User. The Publisher cannot be held liable for decisions taken by the User, for a failure to report, for the improper application of measures, or for the consequences of inaccurate or incomplete information provided by the User. The Publisher is bound only by an obligation of means (best-efforts obligation). Its liability, on all grounds combined, is limited to the amounts actually paid by the User over the twelve (12) months preceding the triggering event, and excludes indirect damages (loss of operations, data, revenue, or reputation), subject to public-policy provisions.

8. Availability and maintenance

The Publisher uses reasonable means to ensure the availability of the Service, without any guarantee of uninterrupted operation. Maintenance operations, whether scheduled or exceptional, may cause temporary interruptions; scheduled interruptions are, as far as possible, announced in advance. An enhanced service level (SLA) may be provided for certain offers, under the conditions of the corresponding contract.

9. Intellectual property and data

The Service, its components, and the brand remain the property of the Publisher. The User retains ownership of and responsibility for the data they submit. The processing of personal data is governed by the Privacy Policy and, where applicable, by a data-processing agreement (DPA).

10. Term, termination, reversibility

The contract takes effect upon subscription for the chosen term and renews in accordance with Article 6. Either party may terminate it at the end of the current period, subject to reasonable notice, or in the event of a serious, uncured breach by the other party following formal notice. At the end of the contract, the User may export their data for thirty (30) days; thereafter, the Publisher deletes it from its active systems. It is the User's responsibility, in their capacity as data controller, to retain the due-diligence data they have exported for the statutory period of five (5) years required by the AML/CFT regulations (art. L.561-12 CMF).

11. Governing law and disputes

These terms are governed by French law. Any dispute shall be submitted, failing amicable resolution, to the courts having jurisdiction over the Publisher's registered office, subject to public-policy rules.

12. Contact

For any question: contact@vigilae.org.