1. Scope

Terms & Conditions govern the use of the services ("Services") that are made available by the Site. They represent the whole agreement and understanding between the Site and the Private Investors and Finance Professionals who register and subscribe to our Services.

2. Intellectual property and other rights

Planet of finance is the owner and operator of the Site. Trademarks, names, titles, logos, photos, designs, text, and other elements featured on the Site are all the property of Planet of finance. Screen displays, downloads, and copies of pages of the Site, of the software available on the Site, or of the information it contains, or the running of any applications accessible on the Site, do not establish any rights in favour of users (they confer no license, no general right of use, no intellectual property rights, etc.). It is strictly forbidden to reproduce (in full or in part), copy (other than temporary copies in the cache), transmit (electronically or by other means), modify, link, or use the Site or any of its elements for the purposes of publication or commercial use without prior written agreement; only strictly private usage for the own account of the visitor or member is authorized. Furthermore, the intellectual property rights of Planet of finance and our contractual partners (copyrights, trademark rights, etc.) are expressly reserved.

3. Collecting and processing your electronic data

When you access the Site, various data are registered (e.g. your IP address, your browser type, the date and time of access, the name of the file accessed, your location). These data are analyzed for statistical purposes. The data are handled confidentially. They are not sent to third-parties, unless required under prevailing law, for example at the request of the responsible law enforcement authorities. However, this shall not affect any data processed by services of third-party providers, e.g. via cookies and social plugins. By using our Site, you consent to the data collected about you being processed by us or by our services providers.

4. Accessibility to the Site

We allow you to access the Site according to the state and the manner in which it is available at the time of access. We may modify, replace, suspend, or take down the Site, in whole or in part, at our sole discretion. We reserve the right to retain, withdraw, or delete any content available on the Site, with or without prior notice, and even if it concerns content provided by a member. Furthermore, we are not obliged to save, maintain, or provide a copy of the contents of the Site, in whole or in part, even if such content has been provided by a visitor or a member.

5. Third-party websites

The Site may contain links to third-party websites, in particular third-party sites of contractual partners of Planet of finance. You are solely responsible for  deciding whether to access or use a third-party site. Planet of finance is not responsible for the characteristics, content, advertising, products, or services offered or for any other documents available on or via third-party sites.

6. Internet

The Site is accessible via the Internet over which Planet of finance has no control. Be aware that the Internet is not a secure environment and there are risks in connecting to it, e.g. technical risks, the risk of inadvertently downloading malware (viruses, spyware, Trojan horses, etc.), or, as the case may be, the risk of enabling third- parties to access, without your consent, the functions and contents of your computer and your confidential data. Planet of finance accepts no liability in this respect.

7. Membership

When you become a member of the Site, you agree to enter into a binding contract with Planet of finance, the contents of which are reflected in these Terms of Use & Confidentiality Agreement. Upon application for membership of our Site, you acknowledge that you have read and understood Terms & Conditions and that you have agreed to be bound by their provisions. Membership is personal and available to people over the age of 18 (eighteen). The membership and benefits cannot be transferred and used by anyone other the individual person. Membership will be confirmed by text message sent on the phone number you provide via a verification code that you need to input in order to validate your account. Each Private Investor has a unique membership number that can be found when logged in to our Site in their account section. Membership on the Site is subject to acceptance by Planet of finance, which may refuse membership without giving reasons. Without prejudice to the general applicability of the aforesaid, we may in particular refuse membership to an ex-member previously barred from our Site, or to a candidate who is already enrolled as a member, or to a candidate whose capacity or ability to enter into a contractual relationship within these Terms of Use we have reason to doubt.

8. Password

When you become a Member of the Site, you must choose a password. You undertake expressly to:

• Keep your password secure and confidential
• Not communicate your password
• Not authorize other people (or, if you are a legal entity, external to your organization) to use your account
• Not use the account of other users
• Not transfer your account to a third-party in any other way. You are responsible for all uses of your account until you close it. We are authorized to consider access to your account using your password to be legitimate access and we are therefore authorized to consider any person who accesses your account with your password to be duly legitimized. We will only control identification via the password.

9. Providing content for the Site

By completing the membership registration form (including the profile data, i.e. the data you are asked to supply in the registration form) or by submitting us information or content of any type whatsoever (e.g. in a blog), you represent and warrant that you are entitled to supply us with this information and content, that the information and content supplied are correct, and that by making this information or content available you have not breached your obligations toward third-parties or infringed any other rights of third-parties. Furthermore, you are required to keep your profile data correct and up to date. You grant Planet of finance a non-exclusive, irrevocable, worldwide, perpetual, unlimited, assignable, sub-licensable, royalty-free right to copy, create derivative works from, disseminate, publish, withdraw, retain, add to, analyze, and use or market in any currently known or future way any element that you provide, directly or indirectly and in particular any data profile provided when completing our registration form, your details, and any other data or content that you submit via our Site.

10. Deletion

You may require at any time to delete or modify the data or content that you have provided via your account. However, we expressly draw your attention to the fact that Planet of finance has no authority over the third- parties with whom you may have at your discretion shared this information or content, and you may have not requested Planet of finance to delete or modify information or content that has not been deleted by such persons or has been copied or saved by other users. Article 17 (Processing of personal data) contains additional information on the options for modifying or deleting identifiable personal data that have been communicated to Planet of finance.

11. Communications

When signing a membership agreement to join Planet of finance, members are requested to consent to receiving information and offers from Planet of finance via email. The contact information provided by members will be used for communication concerning membership, updates, news, events, partnerships or third parties. Further information about the processing of personal data, requirements for transparency, corrections and deletions can be found under our Confidentiality Agreement.

12. Sharing profile data. Exchange of information between members

Planet of finance provides a secure communication system on the Site. All members (both Private Investors or Finance Professionals) can interact via direct message with any other member of Planet of finance and undertakes, by accepting the Terms of Use upon membership application, to the information obtained via the Site pursuant to article 9. Planet of finance is not liable for the use (whether misuse or not) or misappropriation of your profile data, other data or information that you communicate, or the content you allowed or authorized to be shared via the Site, or that you divulge in another way.  When you register as a Finance Professional, your profile will appear on the result pages displayed in the research process of a Private Investor. By accepting these Terms of Use you acknowledge and accept that the data you provided when you have registered your account is publicly disclosed to all members and non-members. You may at any time ask us to delete your profile from the Site by contacting us via email at contact@planetoffinance.com.

13. Members of the Site

You acknowledge that Planet of finance will not verify or conduct due diligence regarding the financial circumstances of members, solvency, organization, or any other aspect relating to them. You may not assume that the information, content, or profile data you have received directly from other members, or which are publicly or privately displayed, are correct or true, do not breach the rights of third- parties, or do not contravene the rights of third- parties or the law. Therefore, you must perform your own due diligence prior the execution of any contract with a member. Planet of finance offers no warranty that said information, content or profile data is true, complete, correct, or in compliance with the rights of third-parties or with the law.

14. Site (layout and content)

You acknowledge that Planet of finance may at any time change the content, look, or functionalities of the Site, including the sections of the Site reserved for members. Planet of finance therefore offers no warranty that the Site will continue to operate or even exist. All information is supplied, “in its current state”.

15. Technical access

Planet of finance offers no warranty and accepts no liability in this respect on its own behalf and on behalf of its auxiliaries, that the services offered by the Site will function without interruption or without error. Planet of finance may at any time and without prior notice suspend access to the Site, for example to undertake maintenance or improvements to the Site, to implement updates, or to repair errors or faults. Planet of finance shall not be liable for any damages arising from a temporary or permanent interruption to access to the Site, from a fault, from network problems (overload, breakdown, transmission error), where access to the Site or to the network is delayed or made impossible or restricted by the misconduct of any third parties, or for other reasons (including but not limited to viruses, malware, spyware, or failures on the part of access providers, etc.). Members are responsible for their IT, technical, and communication equipment and it is their responsibility to take all possible measures (password, installation of antivirus software, etc.) to protect their equipment and the data it contains.

16. Processing of personal data by Planet of finance

Planet of finance will process personal data for the purposes of achieving the objectives of the Site, as indicated in the introduction to these Terms of Use and on the Site. The main purpose of the platform is to offer members the opportunity to interact with each other. By becoming a member, you expressly consent that we will process your personal data in accordance with the purposes of the Site and the Services offered. We reserve the right to transfer your personal data to a future buyer in the event of the sale of the Site by Planet of finance, merge, or any other similar transaction of the Site. Members are responsible for the accuracy of the data that they supply and that Planet of finance consequently processes. Members may at any time require Planet of finance to access, modify, correct, or delete their personal data. Members also have the right to oppose to the use of their personal data. In this case, they agree to unsubscribe a specific service and/or to close their individual account. Members acknowledge it in order for the Site to aim its objective, perform its activity, and approve them to become a member, they must fill in some questions that allow Planet of finance to establish their personal profile. In case members exercise their right to delete their data, their request of deletion is deemed to be also a request to close their account and to leave the community of Planet of finance members. Data shared with third parties during the subscription period (whether members or not) may remain accessible to such third parties and subject to third-party personal data protection policy. To fulfil Planet of finance legal obligations, resolve conflicts, or comply with the provisions of these Terms of Use, Planet of finance shall maintain their personal data archived for 4 (four) years after the closing of their account. Planet of finance will maintain the security of data in compliance with Monaco law. Members expressly agree that their personal data shall be communicated abroad (outside Monaco) and worldwide when they have registered as a member. By giving their consent to their personal data processing, they also authorize Planet of finance to transfer their data to Planet of finance services providers to process their data on Planet of finance behalf notwithstanding their location in the world.

17. Data Protection

Pursuant to Article 2 and Article 6 of the law number 1165 of 23 December 1993, amended, regulating the processing of personal information (personal data), this Site was the subject of an implementation declaration treatment given to the President of the Commission de Contrôle des Informations Nominatives de Monaco (CCIN). In accordance with the said law number 1,165, the personal information collected on the Site is processed, stored and used under conditions designed to ensure the information security and protection. During the consultation of Planet of finance website, the IP address currently used by the members' computer, the date and time, the type of browser and operating system of their computer and the pages they visited, are recorded for statistical purposes via the “Google Analytics” tool for this purpose and can be transmitted to foreign countries. We certify that members' personal data will not be passed to other third parties unless required by Monaco authorities or if they expressly gave your consent to such transfer and/or sharing. Not filling completely or partially or misinforming the membership questions will prevent members from benefiting from all or part of the services of Planet of finance. To exercise their rights of access, modification, opposition and deletion of their personal data stored by Planet of finance, members can contact at any time by post: Planet of finance , 2 Rue du Gabian, “Les Industries”, 98000 Monaco or by e-mail:  contact@planetoffinance.com , stating in the subject of your email DATA PRIVACY.

18. Account closure

When a members’ account is closed (whether at their initiative or at Planet of finance’), Planet of finance will delete their data profile from the Site and, at their request, will delete their name and other identifiable personal data from Planet of finance database. Planet of finance is not obliged to retain their data, and Planet of finance has the right to delete all or some of the data on their account without liability on Planet of finance part. However, Planet of finance may retain some of their data if Planet of finance deems this necessary to prevent fraud or future misuse, or for legitimate business reasons, e.g. where this is to analyse aggregated personal data, to prepare a lawsuit, or is required by law. Planet of finance accepts no liability for deleting or retaining (subject to the provisions of this document) data, and no liability for not deleting data. The closure of members' account includes deactivating access to the section reserved for Members.

19. Non-competition

By becoming a member of the Site, members confirm that they are not and do not represent a competitor of Planet of finance (within the meaning of these Terms of Use), i.e. a person who exploits, or intends to set up and exploit, a Site of the same type as the www.planetoffinance.com or a social network for wealth management professionals to meet and exchange information, and one that in particular allows such professionals to identify opportunities for synergies, sales, acquisitions, mergers, recruitment, or other types of collaboration in their professional field.

20. Indemnity

Members shall indemnify Planet of finance and hold us harmless against any and all losses, damages, or expenses (including but not limited to reasonable lawyers’ fees) relating to claims, costs, or requests of third parties resulting from (1) non-adherence to the provisions of these Terms of Use, including but not limited to uploading content in breach of the rights of a third-party or of prevailing legislation, (2) any content supplied to Planet of finance, and (3) any activity in which members become involved via the Site. This is without prejudice to any other rights conferred on us by law.

21. Amendments

We reserve the right to amend, add, or replace at any time the provisions of these Terms of Use, which shall take effect when displayed on the Site or notified in any other way. For example, Planet of finance may display a header or banner on the Site if these Terms of Use are modified to alert members to read the amendments in question before continuing to use the Site; we also reserve the right to send an e-mail to members in order to inform them about those changes. If members do not wish to accept the modifications, they may terminate the contractual relationship at any time in accordance with Article 5 of the Terms and Conditions of Sale stop using the Site. By using the Site following the display on the Site of a notification of an amendment or following the transmission of an e-mail, you accept the amendments made to these provisions.

22. No waiver

Failure by us to act in relation to a breach committed by you or by others shall not be deemed to be a waiver by us of our right to take action with regard to the said breach or to a future, similar, or other breach.

23. Assignment

Except with our express written consent, members may not assign their rights or obligations arising from the contractual relationship created by these Terms of Use. We reserve the right to assign our rights and obligations arising from the contractual relationship created by these Terms of Use, even without members' consent.

24. Confidentiality Agreement

This Confidentiality Agreement forms a part of the Terms of Use & Confidentiality Agreement. When members accept the Terms of Use they also adhere to the Confidentiality Agreement. They undertake to keep the content, information, and profile data that they receive via the Site, or that they can access via the Site, strictly confidential; in particular, they undertake not to send or disclose such data to a third-party or anyone that is not a member of the Site. They may not exploit or use the content, information, or profile data that they receive or access via the Site other than for the purposes permitted under the Terms of Use of the Site; specifically, they may not exploit or use these elements in any way contrary to the principle of good faith or for purposes other than those for which the Site was designed. Except with the express written permission of the members from whom they have obtained identifiable personal data, in particular the profile data relating to said members when requesting contact or in any other way, they may not disclose the information that the members in question communicate to them. The above-mentioned obligations shall apply without any time limit, and they remain bound to the duty of confidentiality even after they have ceased to be a member. On Planet of finance, they might send and/or receive business opportunities/messages from other members: they will keep any data and information that they receive, or that is accessible to them, via the Site, strictly confidential; specifically they will not send it or disclose it a third-party who is not a member of the Site; they will not exploit or use the data or information that they receive, or that is accessible to them, via the platform, other than for the purposes permitted under the Terms of Use of the Site; specifically, they will not exploit or use this data or information in any way contrary to the principle of good faith or for purposes other than those for which the Site was designed; except with the express written permission of the members whom they are about to contact, they will not disclose the information that the members in question communicate to them; they understand that the above-mentioned obligations shall apply without any time limit and that they remain bound to the duty of confidentiality even after they have ceased to be a member; they will use the Site in their own name and on their own account; they will not act on behalf of a third-party (whether members or non-members). We will maintain the confidentiality of any information, data, documents, and other items they entrust us with. However, they acknowledge and agree that we can make they anonymized profile data available to all members based on the data they supplied to us in the membership application.

1. Contracting parties and contacts

In the present contract, Planet of finance is considered to be the "Seller", whereas Finance Professionals that subscribe to the Premium Membership are considered to be the "Buyer" on the Site. The registration on the Site is free for Private Investors and Finance Professional opting for a free account. When the buyer buys a subscription via the Site, the buyer enters into a Sale Agreement with the Seller. If members have any questions regarding these Terms and Conditions of Sale, they can contact us at the following address:

• Planet of finance
• 2 Rue du Gabian, “Les Industries”, 98000 Monaco
• Tel: +377 99 90 32 97
• contact@planetoffinance.com

2. Orders and conclusion of the Sale Agreement

When Finance Professionals register on the Site, their sign up for a free account. The free account offers members the possibility to visualize all the other members, without the possibility to directly contact them. Finance Professionals have the option to upgrade to a Premium membership and pay € 9.90 billed monthly. The Premium membership offers unlimited contacts with other members registered on the platform. The price of the Premium subscription can be amended at any time by Planet of finance, but the Buyer will be notified, if the price increases, at least one month before the change. However, the price of the subscription billed to the Buyer is always the price displayed at the time the buyer confirms his/her order

3. Checking and stopping an order

When the Buyer subscribes for the Premium membership on the Site, he/she must check the order, in particular the price, and any fees, on the display screen that summarises the Buyer’s order, before final submission of the order to Planet of finance. The Buyer then has the option to confirm or cancel the order (and to start over again). Pursuant to law n° 1,383 of 2nd August 2011 amended and consumer protection rules, the Buyer may change or withdraw his/her order after its final submission to Planet of finance.

4. Refunds

No refund is available. The Buyer retains access to the subscription until it expires. Also, it cannot be exchanged with another person. The Buyer will automatically be billed monthly. The Buyer may cancel his/her subscription at any time. The Buyer is responsible for the full subscription fee in the monthly billing cycle in which he/she cancels.

5. Cancellation

The Buyer will automatically be billed monthly. The Buyer may cancel his/her subscription at any time. The Buyer is responsible for the full subscription fee in the monthly/yearly billing cycle in which he/she cancels.

6. Price

• Premium membership
• The Finance Professionals opting for a Premium membership will be charged a monthly fee of € 9.90. The price of the subscription can be amended at any time, but the Buyer will be notified at least one month before the change if the price invreases. However, the price of the subscription billed to the Buyer is always the price displayed at the time the buyer confirms his/her order.

7. VAT

All prices include VAT at the prevailing rate according to the order.

8. Payment methods

On www.planetoffinance.com, payments must be made exclusively by credit card. To process credit card payments, we use an external secure payment service and, subject to the duty of care applicable to the service provider we have chosen, we are not liable for any damages resulting from acts or omissions of said service providers. We reserve the right at any time to add new payment methods (e.g. online transfer, debit card, or against the invoice), change the payment options, or withdraw certain payment options. On the mobile application, payment will be charged to the member's Apple ID account at the confirmation of purchase. Currently Planet of finance accepts payments by VISA, Mastercard and American Express credit cards.

9. Liability

We accept no liability of use of the Services. If said exclusion of liability is not permitted by applicable law and its provisions or is only partially permitted thereunder (e.g. liability is only excluded in the event of ordinary negligence), said exclusion of liability shall apply to the full extent permitted by law.

10. Warranty

Planet of finance offers no warranty regarding the contents of Publications, in particular whether they are correct and up to date, of use to you, or suitable for the use that you intend to put them to or the gain you hope to derive from buying them. Likewise, Planet of finance offers no warranty regarding the contents of the software, its functionality, the precision or exactness of the results or data that it provides, the processing quality of the data it produces, or the usefulness of the data with respect to the use you intend to put them to.

11. Form for personal information

During the process of entering into a contract, the buyer is required to provide us with personal information (in particular last name, first name, credit card details). The buyer is required to supply us with complete, correct and true details, in particular so that we may accurately establish the buyer’s identity, process the transaction in a satisfactory manner, and, where necessary, contact the buyer in relation to the transaction(s) that he/she has initiated.

12. Purchases not permitted for underage individuals

By confirming his/her order, the buyer also confirms that he/she is not underage and has reached the age of majority (and can fully exercise his/her civil rights) in the country of which he/she is a national.

13. Confidentiality and data protection

The information the buyer provides us with while using the Site (in particular the information contained in the form of personal information) will be treated confidentially. We will only transmit or process data about the buyer (personal data) to/via third parties if said transmission or processing is necessary for the purposes of properly executing the transactions the buyer initiates on the Site. The provisions of the Global Privacy Policy in relation to personal data protection apply to each Terms and conditions of Sale.

14. Time of application and changes to the Terms and Condition of Sale

The Terms and Conditions of Sale applicable to a purchase are those prevailing at the time the related order is submitted. Planet of finance reserves the right to change these Terms and Conditions of Sale at any time, without prior notice. The buyer should not presume that there have been no changes in these Terms and Conditions of Sales since his/her last purchase and he/she must, each time he/she makes a purchase, review and accept the Terms and Conditions of Sales, which are accessible on the Site. We suggest that the buyer prints or saves on a storage device a copy of the Terms and Conditions of Sale in force at the time of each of his/her purchases.

15. Interpretation

If any provision in these Terms and Conditions of Sale is cancelled or declared null and void, invalid, or ineffective by any judicial authority, said cancellation and the status of being null and void, invalid, or ineffective shall not affect the other provisions in these Terms and Conditions of Sale, which remain in force to the fullest extent possible. If a provision is partially cancellable, null and void, invalid, or ineffective, the remaining part that is legally admissible shall be construed so as to remain in force to the fullest extent possible.

16. Applicable law

Terms and Conditions of Sale are constructed and governed by the Monaco law.