These General Terms and Conditions apply only to a limited list of Spendesk Customers benefiting from the Payment Services provided by Spendesk Financial Services SAS.
The terms and conditions applicable to other Customers are available here.
Spendesk offers an expense management platform for companies. The purpose of these General Terms and Conditions is to govern the Services provided by Spendesk to its Customers. The Services include Payment Services.
As part of the Payment Services provided by SFS SAS, Spendesk acts as a PSP agent in the name and on behalf of SFS SAS. As such, Spendesk is registered with the ACPR and listed in the French financial firms register (accessible here: https://www.regafi.fr/) under number 74593.
Table of contents
- 1. Definitions and interpretation
- 2. Subscription to the Services
- 3. Access to the Services
- 4. Payment Services
- 5. Dematerialisation Service
- 6. Customer's undertakings and guarantees
- 7. Spendesk's undertakings and guarantees
- 8. Insurance subscription
- 9. Financial conditions
- 10. Processing of complaints
- 11. Amendment of the Contract
- 12. Intellectual property
- 13. Processing of Personal Data
- 14. Professional secrecy and confidentiality
- 15. Right of withdrawal in case of solicitation
- 16. Effective Date and duration of the Contract
- 17. Termination or term of the Contract
- 18. Third-party claims
- 19. Liability
- 20. Assignment
- 21. Miscellaneous
- 22. Applicable law and competent jurisdictions
1. Definitions and interpretation
In these General Terms and Conditions, capitalized terms not specifically defined in the body of the General Terms and Conditions have the meaning attributed to them below:
|Acceptance Point||means the payment page or payment terminal allowing a Customer to send a Card Payment Order to an Acceptor;|
|Acceptor||means the acceptor of a Card Payment Order having an Acceptance Point;|
|Account||means, depending on the context, a Euro SFS SAS Account, a Euro TPL Account and/or a GBP Account;|
|ACPR||means the French supervision authority, Autorité de contrôle prudentiel et de résolution located at 4, place de Budapest – 75436 Paris Cedex 09;|
|Affiliate||means, with respect to a Party, any company which holds that Party, or that is held by that Party (the term "hold" ("contrôle" in French) having the meaning given to it in article L. 233-3, I, 1° and 2° of the French Commercial Code);|
|AML-CFT||means anti-money laundering and countering the financing of terrorism;|
|Beneficiary||means any natural person or legal entity who is the intended recipient of funds that are the subject of a Payment Transaction;|
|Business Day||means (i) for Spendesk, a calendar day, with the exception of Saturdays, Sundays, and public holidays in metropolitan France, (ii) for SFS SAS, a business day as defined in the SFS SAS GTC and (iii) for TPL, a business day as defined in the TPL GTC applicable to the relevant Service;|
|Card||means, depending on the context, a Euro SFS SAS Card, a Euro TPL Card, a GBP Card and/or a Prepaid Card;|
|CMF||means the French Monetary and Financial Code (Code monétaire et financier);|
|Contract||means the contractual framework governing the use of the Services, including (i) the current General Terms and Conditions, (ii) the Pricing Terms and (iii) the Partners' Documents;|
|Customer||means a natural person or legal entity, resident or registered in an EEA Member State or in the United Kingdom, acting on its own behalf in the context of its professional activity, having accepted the Contract and wishing to use the Services provided by Spendesk;|
|Dematerialisation Service||means the service described in article 5;|
|EEA||means the European Economic Area;|
|Effective Date||means the effective date of the Contract (i) agreed between the Parties in the Pricing Terms or (ii) failing that, corresponding to the date on which the Contract is signed by the Customer under the conditions of article 2.2;|
|Euro SFS SAS Account||means a payment account denominated in euros (EUR) and opened in the name of the Customer registered in an EEA Member State in the books of SFS SAS, and which is governed by the contractual documentation available in Annex 1;|
|Euro SFS SAS Card||means a physical or virtual debit card denominated in euros (EUR) which is made available to the Customer registered in an EEA Member State by SFS SAS, and which is governed by the contractual documentation available in Annex 1;|
|Euro TPL Account||means an electronic money account denominated in euros (EUR) and opened in the name of the Customer registered in the United Kingdom in the books of TPL, and which is governed by the contractual documentation available in Annex 1;|
|Euro TPL Card||means a physical or virtual debit card denominated in euros (EUR) which is made available to the Customer registered in the United Kingdom by TPL, and which is governed by the contractual documentation available in Annex 1;|
|External Account||means a bank or payment account held by the Customer with a PSP other than SFS SAS and TPL;|
|Fees||means the fees due by the Customer in return for the provision of the Services, as defined in the Pricing Terms;|
|Force Majeure Event||means a cause beyond the Parties’ control and/or which may be interpreted by a French court as a force majeure event. The Parties agree that a Force Majeure Event will include in particular the following events: adverse weather conditions, acts or omissions of a public authority, including changes to any regulations applicable to the Services, failures or constraints related to a means of telecommunications or a supplier, upheavals, insurrections and acts of a similar nature, declared or undeclared wars, strikes, sabotage, theft, vandalism, explosions, fires, lightning, natural disasters, or acts of third parties;|
|GBP Account||means a payment account denominated in pounds sterling (GBP) and opened in the name of the Customer registered in an EEA Member State in the books of TPL, and which is governed by the contractual documentation available in Annex 1;|
|GBP Card||means a physical or virtual debit card denominated in pounds sterling (GBP) which is made available to the Customer registered in an EEA Member State or in the United Kingdom by TPL, and which is governed by the contractual documentation available in Annex 1;|
|General Terms and Conditions||means the current general terms and conditions of use of Spendesk Services, including their annexes, but excluding the Partners' Documents;|
|Insurance Service||means the possibility for the Customer to subscribe to an insurance as described in article 8;|
|Main User||means the Customer (when it is a natural person) or a natural person duly authorised by the Customer to (i) enter into the Contract on behalf of the Customer and (ii) perform the functions provided for in the General Terms and Conditions, in particular those indicated in article 3;|
|Parties||means, within the framework of the General Terms and Conditions, together, (i) the Customer and (ii) Spendesk acting, as the case may be, either in its own name and on its own behalf, or as an agent of SFS SAS;|
|Partners' Documents||means, together, the SFS SAS GTC and the TPL GTC;|
|Payer||means any natural person or legal entity giving or authorising a Payment Order;|
|Payment Order||means an instruction by a Payer or Beneficiary to its PSP requesting the execution of a Payment Transaction;|
|Payment Services||means the payment services provided by SFS SAS and/or TPL (including the issuance, management, and provision of electronic money by TPL) as part of the provision of Euro SFS SAS Accounts, Euro SFS SAS Cards, Euro TPL Accounts, Euro TPL Cards, GBP Accounts, GBP Cards, and Prepaid Cards;|
|Payment Transaction||means an act of placing, transferring, or withdrawing funds from or to an Account, or via a Prepaid Card, irrespective of any underlying obligations between the Payer and the Beneficiary;|
|Personal Data||means personal data within the meaning of Regulation (EU) 2016/679 of the European Parliament and of the Council of 27 April 2016 on the protection of natural persons with regard to the processing of personal data and on the free movement of such data;|
|Personalised Security Credentials||means the personalised data provided to a User by Spendesk or, as the case may be, chosen by a User, which must be used by that User in order to log in to access the Platform and/or perform an action on the Platform, including to request the execution of a Payment Transaction (including the PIN Code associated with a Card);|
|PIN Code||means the four (4) digit code associated with a Card;|
|Platform||means the SaaS solution provided by Spendesk which allows Customers to use the Services, and which includes in particular the website available at https://www.spendesk.com (and/or any other website of which the Customer may subsequently be informed) and/or any mobile application that Spendesk may make available to the Customer;|
|Prepaid Card||means a physical or virtual prepaid card denominated in one of the following currencies: EUR, USD, GBP, NOK, SEK and DKK, which is made available to the Customer registered in an EEA Member State or in the United Kingdom by TPL, and which is governed by the contractual documentation available in Annex 1;|
|Pricing Terms||means the following elements which together define the Fees due by the Customer under the Contract: (i) the pricing agreement agreed between the Parties for accessing the Platform and the Services, and (ii) the pricing terms set out in Annex 1 for the additional Fees due to SFS SAS and/or TPL in respect of the Payment Services;|
|PSP||means a payment service provider;|
|Services||means the access to the Platform and related services, including the Payment Services and the Dematerialisation Service but excluding the Insurance Service, which will be addressed only in article 8;|
|SFS SAS||means Spendesk Financial Services, a simplified joint-stock company registered with the Paris trade and companies Register under number 900 518 101, whose registered office is at 51 rue de Londres, 75008 Paris – France. SFS SAS is licensed as a payment institution by the ACPR under number 17518 and is subject to the ACPR's supervision;|
|SFS SAS GTC||means, together, the contractual documentation relating to Euro SFS SAS Accounts and Euro SFS SAS Cards provided by SFS SAS, available in Annex 1;|
|Spendesk||means Spendesk SAS, a simplified joint-stock company registered with the Paris trade and companies Register under number 821 893 286, whose registered office is at 51 rue de Londres, 75008 Paris – France. For the application of the provisions of these General Terms and Conditions relating to Payment Services provided by SFS SAS, any reference to Spendesk will be construed as a reference to Spendesk SAS acting as an agent of SFS SAS. For the application of the provisions of these General Terms and Conditions relating to the other Services, any reference to Spendesk will be construed as referring to Spendesk SAS;|
|TPL||means Transact Payments Limited, a company registered in Gibraltar, whose registered office is at Unit 5.1, Level 05, Madison, Midtown, Queensway, GX11 1AA, Gibraltar, licensed as an electronic money institution by the Gibraltar Financial Services Commission and/or Transact Payments Malta Limited, a company registered in Malta, whose registered office is at Vault 14, Level 2, Valletta Waterfront, Floriana FRN 1914, Malta, licensed as an electronic money institution by the Malta Financial Services Authority under number 91879;|
|TPL GTC||means, together, the contractual documentation relating to GBP Accounts, GBP Cards, Euro TPL Accounts, Euro TPL Cards, and Prepaid Cards provided by TPL, available in Annex 1;|
|Transfer||means a Payment Transaction whereby the PSP which holds the Payer's account transfers, on the instruction of the Payer, a sum of money from the Payer's account to another account opened in the name of the Beneficiary;|
|User||means, depending on the context, (i) the Main User and/or (ii) any other natural person acting in the name and on behalf of the Customer in the context of their professional activity and who is authorised to use the Services in the name and on behalf of the Customer, within the limits of the authorisations issued to them by the Main User.|
Unless otherwise stated in these General Terms and Conditions, (i) words of one gender imply the other gender, (ii) words in the singular also imply the plural and vice versa, and (iii) the expressions "these General Terms and Conditions", "herein" and their derivative forms or similar expressions refer to the General Terms and Conditions in their entirety.
Unless otherwise stated in these General Terms and Conditions, in case of contradiction between the General Terms and Conditions and the Partners' Documents, the latter will prevail over the General Terms and Conditions.
In the absence of use of the term "Business Day" as defined in article 1.1, the term "day" means a calendar day.
2. Subscription to the Services
If the Customer meets all the criteria indicated on the Platform at the time of registration, it can subscribe to the Services by following the steps indicated on the Platform.
The Customer may only be a natural person or a legal entity acting for business purposes, resident or registered in an EEA Member State or in the United Kingdom. The Services are intended exclusively for professional customers and are not intended for consumers.
In any event, the Customer's registration implies in particular (i) the acceptance of the entire Contract and (ii) the payment of the Fees.
Spendesk may, at its sole discretion, refuse to allow any person to register for the Services, without having to explain its refusal.
2.2. Acceptance of the Contract
The acceptance of the Contract by the Customer is evidenced, during the registration process detailed in article 2.1, by the electronic signature of the Contract by an authorised representative of the Customer.
By accepting the Contract, the Customer expressly acknowledges that it has carefully read the General Terms and Conditions, the Partners' Documents, and the Pricing Terms in force on the day of its acceptance, that it has understood them and that it accepts them in their entirety and without reservation.
The Customer undertakes to bring the Contract to the attention of any User and, to ensure compliance with the provisions of the Contract by any User.
The Customer accepts the transmission and signing of any document by electronic means and acknowledges their enforceability in the event of a dispute.
2.3. AML-CFT checks
In accordance with applicable regulations, SFS SAS and TPL are required to collect certain documents and information about the Customer (including its legal representatives and its Main User), as well as its beneficial owner(s), (i) before entering into a relationship with the Customer and providing Payment Services, and then (ii) during the course of the business relationship with the Customer.
In this context, the Customer undertakes to provide Spendesk, at any time during the relationship, with any document and/or any information necessary to enable SFS SAS and/or TPL to comply with their AML-CFT obligations (the "KYC Information"). Verification and certification measures of the documents communicated by the Customer may be requested or carried out, if necessary. The Customer undertakes to promptly provide all the information requested, under penalty of having its access to the Services blocked.
The Customer acknowledges that, in the event that it does not provide the requested documents and information, Spendesk will be unable to provide the Services and, if necessary, will be obliged to terminate the Contract.
In case of any change affecting the KYC Information, the Customer must inform Spendesk as soon as possible.
The Customer agrees that the KYC Information is kept by SFS SAS and/or TPL, as the case may be, for the duration and under the conditions provided for by the applicable regulations.
3. Access to the Services
In these General Terms and Conditions, the term "Customer" must be interpreted as referring to (i) the Customer itself if it is a natural person or (ii) the Customer acting through a User (either the Main User or a User with the necessary powers and authorisations).
When the Main User is not the Customer or a legal representative of the Customer, it must be a natural person (employee or third party) specially authorised to act in the name and on behalf of the Customer (including to enter into the Contract on behalf of the Customer) through a power of attorney or delegation of powers granted by a legal representative of the Customer. The Customer undertakes to provide Spendesk, upon request, with proof of the Main User's powers.
Any act, decision, instruction, or request entered by a User on the Platform will be considered as an act, decision, instruction, or request of the Customer.
Access to the Services by Users requires their registration on the Platform. The Customer undertakes to have Users register on the Platform and use the Services in compliance with the provisions of the Contract.
The Main User may carry out via the Platform any act to manage the Services (including the Payment Services), including:
(i) inviting others to become Users and empower them to perform certain actions on the Platform;
(ii) requesting the issuance of Cards;
(iii) allocating a spending or withdrawal limit to each Card, within the maximum amounts authorised by Spendesk, SFS SAS and TPL;
(iv) requesting the execution of outgoing Transfers, including to an External Account; and/or
(v) crediting an Account.
The Main User may delegate powers to a User by assigning such User a profile on the Platform. When assigning powers to a User, the Main User may be required to select one of the predefined profiles offered by Spendesk, without being able to choose the combination of delegated powers/authorisations, or the terminology assigned to each profile ("Administrator", "Requester", "Controller", etc.).
4. Payment Services
The provisions included in the various contractual documents in Annex 1 apply alternatively according to (i) the Customer’s country of registration or residence and (ii) the Payment Services that it requested during its registration.
5. Dematerialisation Service
5.1. Operation of the Dematerialisation Service
Spendesk proceeds on behalf of the Customer to the dematerialisation, in accordance with the regulations applicable in France, of scans or photographs of invoices, estimates, expense reports and other similar documents (the "Content") uploaded by the Users to the Platform.
The Customer accepts and acknowledges that the dematerialisation of the Content uploaded by the User is carried out by Spendesk on behalf of the Customer.
5.2. Download of dematerialised Content
The Customer, subject to acting as the Main User or another User with corresponding rights, may download and export at any time the raw version of the Content uploaded to the Platform by its Users (i.e., the unconverted, unsealed, and non-timestamped version of the document).
The Customer may also at any time, during the term of the Contract and until its effective termination date, ask Spendesk to download and transmit to it the Content that has been subject to the Dematerialisation Service described in article 5.1 (i.e., the version of the document converted (if necessary), sealed and timestamped via an electronic seal).
The download is not instantaneous insofar as the Content subject to the Dematerialisation Service is stored on servers dedicated to long-term storage that imply a recovery period of several hours.
Notwithstanding the above provisions, Spendesk may retain a copy of the Customer’s Content, in particular for statistical and/or probative purposes, within the limits and periods permitted by law.
5.3. Liability for Contents
The Customer is solely liable for the Content it uploads to the Platform.
The timestamping service compliant with the eIDAS regulation does not constitute an electronic signature procedure. As such, the Dematerialisation Service does not have the objective or effect of certifying the authenticity of an invoice (within the meaning of the provisions of article 96 F bis of annex 3 and/or article 289, VII, 1° or 2° of the French General Tax Code), but only to guarantee the integrity of dematerialised Content. Spendesk cannot be held liable in this respect.
6. Customer's undertakings and guarantees
6.1. Supply and update of information
The Customer undertakes to supply Spendesk with all the information and/or documents necessary for the proper execution of the Contract and the provision of the Services and, more generally, to actively cooperate with Spendesk for the proper performance hereof. If the Customer does not comply with this obligation, Spendesk reserves the right to suspend the Services until the required information or documents are obtained.
The Customer guarantees to Spendesk that all information and documents it supplies to Spendesk, including those supplied on the Platform and those concerning each User, are accurate, up-to-date, and truthful on the day they are communicated to Spendesk, and are not vitiated by any information of a false or misleading nature.
If the information and/or documents supplied become inaccurate or obsolete during the term of the Contract, the Customer undertakes to update them and/or to transmit an updated version of the relevant documents on the Platform as soon as possible.
More generally, it is up to the Customer to formally notify Spendesk of any change in the relevant information. Spendesk will under no circumstances be liable for any damage suffered by the Customer resulting from any inaccuracy or change of which Spendesk has not been notified.
6.2. Compliance with regulations
The Customer undertakes, for itself and each of the Users, to (i) comply, in the context of its use of the Services, with the laws and regulations in force and not to infringe the rights of third parties or public order and (ii) carry out only activities that comply with applicable regulations.
The Customer will bear any fine, financial penalty or damages incurred by Spendesk resulting from an activity of the Customer that is illegal, unlawful, or contrary to common decency.
6.3. Use of the Platform and the Services
The Customer undertakes, for itself and for each of the Users:
(i) not to breach or attempt to breach, scan, or test the vulnerability of the security system and related systems of the Platform;
(ii) not to access or attempt to access any data that is not intended for the Customer;
(iii) to refrain from interfering with the normal operation of the Platform and from performing any action that could cause the interruption or degradation of one or more Service(s);
(iv) not to upload to the Services, display, send by email or otherwise transmit any material containing software viruses or other computer codes, files or programs designed to interrupt, destroy, or limit the operation of the Platform;
(v) not to attempt to interfere with the Services provided to any other customer, user, host, or network, including but not limited to exposing the Services to a virus, creating server overload, flooding the server, or flooding the messaging services; and
(vi) not to use the Services in a manner that: (a) violates or infringes the rights of a third party, including those relating to a contract, intellectual property, privacy, or advertising; or (b) makes or facilitates the storage or transmission of defamatory, tortious, or otherwise illegal content, including, but not limited to, harassing, threatening or obscene content.
The Customer acknowledges having read the characteristics and constraints, in particular technical, of all Services. The Customer is solely responsible for its use of the Services.
The Customer is informed and accepts that the use of the Services requires an Internet connection, and that the quality of the Services depends directly on this connection, as well as on computer equipment and/or third-party software, for which the Customer is solely responsible.
6.4. Security and confidentiality obligations
The Customer is solely responsible for Users maintaining the confidentiality of their Personalised Security Credentials, as well as any other data or information necessary to access the Platform and/or use the Services.
Users must not disclose to third parties their Personalised Security Credentials, as well as any other data or information necessary to access the Platform and/or use the Services. The Customer undertakes that the Users comply with this obligation of confidentiality.
6.5. Use of the Services solely for the account of the Customer
The Customer undertakes to use the Platform and the Services only for its own account, and not to allow any third party to use them in its place or on its behalf, without bearing full liability. Users may only use the Platform and the Services in the name and on behalf of the Customer.
6.6. Testing of new features
Spendesk may occasionally make new features available to some Customers prior to their official release date to all Customers (the "Beta Tests"). These features are referred to by Spendesk as "beta", "test" or another similar name.
The Customer is free to register to participate in the Beta Tests at its sole discretion. All restrictions on the use of the Services and Customer's undertakings under the Contract will apply to access and use of the Beta Tests. Spendesk may disable, modify, or discontinue the Beta Tests at any time, at its sole discretion and without notice. By participating in the Beta Tests, the Customer acknowledges and agrees that:
(i) Beta Tests must only be used for evaluation and testing purposes;
(ii) Spendesk provides the Beta Tests as is and without any guarantee;
(iii) Spendesk cannot be liable for any damages arising from or in connection with the Beta Tests, including those arising from the Customer's use of or inability to use the Beta Tests; and
(iv) Any Feedback of the Customer relating to the Beta Tests will be subject to the provisions of article 12.
7. Spendesk's undertakings and guarantees
Spendesk undertakes to provide the Services with diligence and according to best practices, it being specified that it is bound by an obligation of means, to the exclusion of any obligation of result, which the Customer expressly acknowledges and accepts.
Spendesk does not guarantee to the Customer that the Services will be completely free from errors, faults, or defects, or that they will be continuously available. In addition, the Services are standard and are therefore not offered for the sole purpose of a given Customer, according to its own individual constraints, nor to specifically meet its needs and expectations.
Spendesk undertakes to:
(i) make its best efforts to ensure the security of the Platform;
(ii) inform the Customer of any reasonably foreseeable difficulty, in particular regarding the provision of the Services or the proper operation of the Platform; and
(iii) carry out regular checks to verify the proper operation and accessibility of the Platform.
Spendesk reserves the right to modify at any time the technical arrangements for access to the Services and/or the Platform depending, in particular, on the evolution of the technology, the regulations, or its offer of Services, it being understood that such a modification cannot have the effect of reducing the general level of security of the Platform. It is the Customer's responsibility to ensure that the IT or telecommunications tools or equipment at its disposal are adapted to these evolutions.
8. Insurance subscription (option only available for Customers registered in France or Luxembourg)
As an option, the Customer has the possibility to provide all Card Users with group insurance taken out by Spendesk with a partner insurer.
8.1. Insurance Information
An information sheet on the various coverages, compensation ceilings and pricing terms is available here: https://www.spendesk.com/fr/product/insurance/.
The standardised insurance product information document is available here: https://spx-production.s3-eu-west-1.amazonaws.com/tos/2021_03_23-Fiche_IPID_Spendesk_03-03-2022.pdf.
If the Customer considers the product adapted to its needs and relevant to its activity and that of the Card Users, with Spendesk being available to assist the Customer in its choice, it is invited to read carefully the information notice of the group insurance contract no 4 091 933 available here: https://spx-production.s3-eu-west-1.amazonaws.com/tos/2021_03_10-notice_dinformation_des_assurances_spendesk.pdf.
This notice, for which Spendesk waives all responsibility, precisely defines the conditions of coverages, the applicable exclusions, the duration of cover and the formalities in the event of a claim. Adherence to the insurance policy requires the Customer to accept without reservation all the terms of the information notice. The Customer also undertakes to bring the information notice to the attention of all Card Users.
8.2. Management of claims
An insurance claim and its follow-up will be processed directly and exclusively with the partner insurer according to the instructions available here: https://helpcenter.spendesk.com/fr/articles/4967565-comment-faire-pour-contacter-l-assurance-ou-l-assistance, which the Customer will communicate to Card Users. Spendesk undertakes to assist Customers and Card Users to enable them to assert their rights effectively with the partner insurer.
8.3. Modifications of the insurance policy and insurance pricing terms
Spendesk draws the Customer's attention to the possibility that, after adherence, the partner insurer may make changes to its rights and obligations, as well as to those of the Card Users. Spendesk disclaims all liability in connection with the contractual and pricing changes, which are the sole decision of the partner insurer.
Any changes will be sent by Spendesk to the Customer, on the Platform and/or by email, no later than three (3) months before the date proposed for their entry into force. The Customer will be deemed to have accepted the proposed changes if it has not notified Spendesk of its refusal before the effective date indicated. The Customer will inform the Card Users of the changes made. If the Customer refuses the changes, it can withdraw from its insurance contract, without charge, by notification sent to Spendesk before the effective date of the changes, in the manner provided for in article 10. Its adherence will end upon the expiry of a period of two (2) months from the date of notification. The Customer will inform the Card Users of the termination of the insurance.
8.4. Termination of the insurance
Group insurance can be terminated by Spendesk or the partner insurer. No later than two (2) months before the proposed termination date, Spendesk will inform the Customer of this on the Platform and/or by email. The Customer will inform the Card Users. Termination is enforceable against the Customer and Card Users.
The Customer may terminate the insurance cover, after informing the Card Users by giving two (2) months' notice, notifying Spendesk in the manner provided for in article 10. The termination of the insurance by the Customer implies termination of the insurance cover for all Cards provided under the Contract.
Spendesk recalls that the insurance cover, inseparably linked to the Card, cannot continue after expiry or withdrawal of the Card. Non-payment for insurance services will also terminate the adherence.
8.5. Personal Data
By taking out insurance, the Customer expressly authorises Spendesk to transmit to the partner insurer all the information necessary for the subscription to said insurance, including Personal Data relating to the Card Users. The partner insurer will process this Personal Data as a data controller in accordance with the conditions and purposes defined in the information notice of the group insurance contract, referred to in article 8.1. The Customer is informed that the partner insurer, in its capacity as data controller, may, at the subscription stage and during the term of the insurance policy, request any additional information from it as well as from the relevant Users, including, where applicable, Personal Data.
9. Financial conditions
9.1. Pricing Terms
The prices of the Services are indicated in the Pricing Terms. The Pricing Terms may be provided free of charge to the Customer, upon request, on a durable medium.
9.2. Provision of invoices
Invoices are provided to the Customer on the Platform.
If the Customer wishes to dispute an invoice, it must inform Spendesk within sixty (60) days after the date of the invoice. After this period, the invoice can no longer be disputed.
9.3. Fees payment terms
The Fees due by the Customer to Spendesk in return for the provision of the Services are debited directly from the Account.
If the Customer has several Accounts and its debt is not inherent to a particular Account, Spendesk may decide at its sole discretion to debit all or part of the Fees from one of the Customer's Accounts.
The Customer expressly authorises Spendesk to debit from the Customer's Account(s) the Fees payable under the Contract.
In the event that the credit balance of an Account proves insufficient to allow the debiting of all Fees, the Customer undertakes to immediately credit the Account up to the amount due.
In case of insufficient balance of the Account, Spendesk reserves the right to block the Account, any Payment Transaction in progress, any use of Cards already issued, as well as the issuance of new Cards.
9.4. Fees payment frequency
Fees relating to the use of the Platform are invoiced and debited:
(i) monthly, if the Contract is for an indefinite term; or
(ii) according to the frequency provided for in the Pricing Terms, if the Contract is for a fixed term (as agreed between the Parties if applicable, under the conditions provided for in article 16).
The amount of the first invoice relating to the use of the Platform is debited by Spendesk one (1) month after the date of subscription to the Services by the Customer.
The Fees relating to the Payment Services provided for in Annex 1 are also debited directly from the Account by SFS SAS or TPL on the date of the relevant Payment Transaction and in the manner provided for in the Partners' Documents.
10. Processing of complaints
Any complaint related to the provision of the Services must be addressed by the Customer to Spendesk customer service:
by email to the following address: firstname.lastname@example.org;
by using the "chat" function available on the Platform; or
by post to the customer service address, at the registered office of Spendesk: 51 rue de Londres, 75008 Paris – France.
In the event of a complaint relating to the Payment Services, the time limits for processing complaints are specified in the Partners' Documents.
11. Amendment of the Contract
Spendesk reserves the right to amend, at any time, all or part of the Contract between Spendesk and the Customer. Any proposed amendment of the Contract will be sent by Spendesk to the Customer, on the Platform and/or by email, no later than two (2) months before the date proposed for its entry into force. The Customer will be deemed to have accepted the proposed amendments if it has not notified Spendesk, before the proposed effective date of these amendments, that it does not accept them. If the Customer refuses the amendments, it may terminate the Contract, without charge, before the proposed effective date of the amendments, under the conditions provided for in article 17.
As an exception under a fixed-term Contract, if the Customer refuses the amendments, the previous version of the Contract will continue to apply (excluding technical modification related to the evolution of the Platform or modification necessary under the applicable regulations, which will apply in any case), and the termination will be effective at the end of the current contractual term, as defined in the Pricing Terms.
The Partners' Documents may be amended at any time under the conditions and according to the time periods provided for in the Partners' Documents.
Spendesk cannot under any circumstances be held liable for any damage, in any capacity whatsoever, in connection with the amendment of the Contract, if the Customer refrains from terminating the Contract and continues to use the Services after the effective date of the amendments.
12. Intellectual property
The Parties expressly agree that no intellectual property rights are transferred to the Customer over any of the elements of the Services and the Platform made available to it under the Contract, including software, structures, infrastructures, source codes, databases, know-how, user interfaces, photos, brands, interactive elements or any content of any kind (texts, images, visuals, music, logos, brands, database, etc.) operated by Spendesk, and any technical documentation that may be provided by Spendesk to the Customer.
Subject to the payment of the Fees due to Spendesk and the provisions and limitations specified in the Contract, Spendesk grants the Customer a personal, non-exclusive, and non-transferable licence to use the Platform and the Services for its own purposes only. This right is granted for the term of the Contract.
The Customer is prohibited from carrying out:
any adaptation, modification, duplication, decompilation, disassembly, reverse engineering or reproduction of the Services and the Platform, regardless of their nature, any total or partial extraction (including the source code or other trade secrets) and, in general, any act that may violate the rights of Spendesk and/or its suppliers;
any reproduction, by any means and on any medium whatsoever, of the Platform;
any form of use of the Platform and associated documentation in any manner whatsoever for the purpose of designing, producing, distributing, or marketing similar, equivalent or substitute software;
any adaptation, modification, transformation, translation, arrangement of the Platform for any reason whatsoever, in particular for the creation of derivative or entirely new software, including to correct errors;
any direct or indirect transcription, or translation into other languages of the Platform;
any modification or circumvention of the protection code such as, in particular, Personalised Security Credentials; and/or
any deletion, partial or total modification of the existing notices relating to copyright, trademarks and, more generally, to intellectual property rights, attached to the Platform.
Spendesk encourages the Customer to provide suggestions, proposals, ideas, recommendations, or other feedback to improve the Services and the Platform (the "Feedback"). To the extent that the provided Feedback does not identify the Customer, its Affiliates or Users and does not include any confidential data specific to the Customer, the Customer grants Spendesk a royalty-free, fully-paid, sub-licensable, transferable, non-exclusive, irrevocable, worldwide licence to produce, use, sell, offer for sale, import and otherwise exploit the Feedback (including by integrating the Feedback into the Services) without restriction, for the duration of the intellectual property rights applicable to such Feedback.
13. Processing of Personal Data
13.1. Spendesk as the Customer's data processor
As part of the processing carried out for (i) the provision of the Platform, (ii) the provision of Payment Services to the Customer and Users and (iii) the provision of anonymised data on industry trends in business expenses according to predetermined criteria depending on the Customer's area of work, Spendesk acts as a data processor in accordance with the terms of Annex 3 (Data Processing Agreement).
13.2. Spendesk as data controller
In addition, Spendesk carries out the following processing operations in its capacity as a data controller:
commercial and contractual management with the Customer;
research and development concerning the Platform;
video and audio recording of calls for the purpose of improving the Services and training Spendesk personnel; and
supervision of Users' account on the Platform for the provision of technical support to the Customer, and for training purposes of Spendesk personnel authorised to process the Customer’s information.
For these purposes, Spendesk undertakes to comply with the obligations related to its capacity as a data controller, in accordance with the applicable regulations.
13.3. Spendesk and SFS SAS as joint data controllers
For the provision of Payment Services and in accordance with applicable regulations, Spendesk and SFS SAS also process Personal Data as joint data controllers. The respective roles of each of the joint data controllers are defined in a joint controllership agreement in accordance with the applicable regulations, which useful information for the Customer is made available in the information note in Annex 4.
14. Professional secrecy and confidentiality
14.1. Professional secrecy
In accordance with the regulations, Spendesk (as PSP agent), SFS SAS and TPL (as PSP) as well as their officers and employees are bound by professional secrecy regarding their Customers' data.
However, professional secrecy may not be held against the competent regulator(s) or against the judicial authority acting in the context of criminal proceedings.
In addition, Spendesk, SFS SAS and TPL may disclose information covered by professional secrecy to third parties, either when permitted by law or, on a case-by-case basis, with the express authorisation of the Customer.
In addition, each of the Parties undertakes to keep strictly confidential all documents and information of a legal, commercial, industrial, strategic, technical, or financial nature relating to the other Party of which it may become aware in the context of the Contract acceptance and performance, and not to disclose them without the prior written consent of the other Party.
This obligation does not extend to documents and information for which it can be demonstrated:
(i) that they were already known by the receiving Party;
(ii) that they were already public at the time of their disclosure, or have become public without breach of the Contract;
(iii) that they have been lawfully received from a third party; or
(iv) that their disclosure is required by the judicial authorities, pursuant to applicable laws and regulations, or with a view to establishing the rights of a Party under the Contract.
This obligation of confidentiality extends to all employees, contractors, interns, officers, and directors of the Parties, as well as their advisers and Affiliates, to whom confidential documents or information may only be transmitted if they are bound by the same obligation of confidentiality as that provided for herein.
This will continue to have effect for three (3) years following the end of the Contract, or any longer period provided for by the applicable law or regulation.
Each Party will, at its own expense, at the end of the Contract or at any other time, upon receipt of a written request from the other Party, (i) return or destroy all written confidential information provided to it directly or to its advisers and which is in the possession of that Party or in its custody and control, without retaining copies thereof; and (ii) provide a certificate signed by a legal representative confirming that, to its knowledge, and after conducting all appropriate investigations, the requirements of this article have been fully complied with.
However, the receiving Party may retain the confidential information to the extent that it is required to do so by applicable law or regulation, or if such confidential information has been created in accordance with automatic electronic archiving procedures. Any confidential information that is retained by the receiving Party in accordance with the above will continue to be subject to the confidentiality obligations of the Contract until such confidential information is returned or destroyed.
15. Right of withdrawal in case of solicitation
If the Customer has been solicited by Spendesk within the meaning of article L. 341-1 of the CMF, and subject to the exceptions provided for by the regulations, the Customer has, in accordance with article L. 341-16 of the CMF, a right of withdrawal that it can exercise within a maximum period of fourteen (14) full calendar days from the date of acceptance of the Contract, without having to justify reasons or incur any penalties.
The exercise of the right of withdrawal within the period referred to above entails the automatic termination of the Contract.
The Customer may exercise its right of withdrawal by using the form in Annex 2 of the General Terms and Conditions, or by any other notification of its choice. In the latter case, its statement must be unambiguous and clearly express the Customer's desire to withdraw.
If the Customer exercises its right of withdrawal, it is only required to pay the price corresponding to the use of the Services actually provided between the Effective Date of the Contract and that on which the right of withdrawal is exercised, excluding any penalty.
The Customer expressly consents to Spendesk providing the Services (including Payment Services) to the Customer before the end of the withdrawal period.
16. Effective Date and duration of the Contract
Unless otherwise stated in the Pricing Terms, the Contract takes effect for an indefinite period from its Effective Date until its termination under the conditions provided for in article 17.
By way of exception, the Parties can agree in the Pricing Terms specific to the Customer that the Contract is entered into for a fixed term, and from a specific Effective Date. The Contract is then tacitly renewed at its end, for new successive periods which duration is defined in the Pricing Terms, unless one of the Parties refuses the renewal at the end of the initial term or the renewed term, by written notification with a prior notice period of one (1) month (or any other notice period specifically defined in the Pricing Terms, which will prevail where applicable).
17. Termination or term of the Contract
17.1. Termination at the Customer’s initiative
Notwithstanding any provision to the contrary contained in the Partners' Documents, and in the case of an indefinite term Contract, the Customer may terminate the Contract at any time by giving two (2) months' notice, notifying Spendesk in the manner provided for in article 10.
Only in the case of an indefinite term Contract, no fee will be charged to the Customer for the termination notice period if the request for termination is notified by the Customer within ninety (90) days following the Effective Date of the Contract.
17.2. Termination at Spendesk’s initiative
Notwithstanding any provision to the contrary contained in the Partners' Documents, and in the case of an indefinite term Contract, Spendesk may terminate the Contract at any time by giving two (2) months' notice by notifying the Customer by any written means, and in particular by email or by message on the Platform.
By way of exception, and regardless of the Contract duration, Spendesk reserves the right to stop providing the Services to the Customer and to terminate the Contract as of right and without notice:
(i) in the event of a serious breach by the Customer and/or a User of the obligations provided for in the Contract, including, but not limited to, in case of communication of false information, exercise by the Customer of an activity that is illegal or contrary to common decency, threats against Spendesk employees or a failure to pay;
(ii) in the event of fraudulent or abusive use of the Services by the Customer and/or a User;
(iii) in the event of a change in the applicable regulations and/or the interpretation thereof by the competent authorities which would affect the ability of Spendesk, SFS SAS, TPL or their service providers to provide the Services; or
(iv) in the event of termination by SFS SAS and/or TPL of one of the Partners' Documents.
In the event of immediate termination of the Contract, Spendesk will inform the Customer by any written means, and in particular by email.
17.3. Early termination of a fixed-term Contract
This article applies only to the case of a fixed-term Contract.
A fixed-term Contract may be terminated prior to its term only (a) by Spendesk in the cases provided for in article 17.2, or (b) in case of a material breach or non-performance by either Party of any of its obligations under the Contract, after written notice of the breach or non-performance by the non-defaulting Party, and in the absence of remedy by the defaulting Party within thirty (30) days of receipt of the written notice.
In case of notice of early termination of the Contract (a) by the Customer without fault from Spendesk or (b) by Spendesk for fault of the Customer under the conditions of this article, the Customer will be immediately liable for all the monthly payments remaining due until the term of the Contract, and the Customer authorises Spendesk to debit its Account for the Fees due in this respect, under the conditions provided for in article 9.3.
In case of notice of early termination of the Contract (a) by the Customer for Spendesk's fault under the terms of this clause or (b) by Spendesk pursuant to clause 17.2 (iii) or 17.2 (iv), Spendesk will promptly provide a refund proportional to the remaining contractual period of any Fees prepaid by the Customer for the Services.
17.4. Effects of termination or term
The non-renewal or termination of the Contract by the Customer or by Spendesk will result in the termination of all Services provided under the Contract, including termination of all Payment Services described in the Partners' Documents, in accordance with the termination conditions set forth therein.
Likewise, the termination by the Customer or by SFS SAS and/or TPL of all Payment Services will entail termination of the Contract on the effective termination date of the last Payment Service provided to the Customer.
The end of the Services, regardless of the cause, will automatically and as of right result in the deactivation of all Users' access to the Platform. It is the Customer’s responsibility, prior to this deactivation, to retrieve the documents, elements, data, and information that it has stored on the Platform as part of its use of the Services.
18. Third-party claims
18.1. Indemnification by Spendesk
Spendesk undertakes to indemnify, defend, and hold harmless the Customer and its officers, directors, employees, Affiliates and Users against any claim, action or proceeding of third parties, insofar as it is caused by the Services breaching the intellectual property rights of a third party.
Notwithstanding the terms contained in this article and article 18.4, Spendesk will not be liable for third-party claims if the alleged infringement is based on or arises from (a) the combination or use of the Services with software or other materials not provided or approved for use by Spendesk, (b) the modification of the Services by any person other than Spendesk or its employees, or (c) the use of the Services non-compliant with the documentation provided or the Contract.
18.2. Indemnification by the Customer
The Customer undertakes to indemnify, defend, and hold harmless Spendesk and its officers, directors, employees and Affiliates against any claim, action or proceeding of third parties, insofar as it is caused by a breach by the Customer of its obligations under the Contract. The Customer undertakes to indemnify Spendesk for any damage that the latter may suffer, and to pay it all fees, charges and/or penalties that it may incur as a result.
18.3. Indemnification procedure
Any Party entitled to indemnification under this article (the "Indemnified Party") will comply with the following conditions in order to benefit from said indemnification:
(i) a prompt written notice by the Indemnified Party to the indemnifying Party (the "Indemnifying Party") of any third-party claim for which indemnification may be requested under this article (provided, however, that any failure or delay in providing such notice will not relieve the Indemnifying Party of its obligations, except to the extent that the failure or delay prejudices the defence of the Indemnifying Party);
(ii) a transfer to the Indemnifying Party of full control of the defence and settlement of the claim; and
(iii) a reasonable cooperation of the Indemnified Party, at the expense of the Indemnifying Party, to facilitate such defence or settlement.
Notwithstanding the above, the Indemnifying Party will not consent to the recording of a judgment or enter into any compromise or settlement agreement with respect to any third-party claim for which it defends the Indemnified Party under this article without the prior written consent of said Indemnified Party, unless such judgment, compromise, or settlement agreement:
(i) provides for the payment by the Indemnifying Party of money as sole remedy for the third party making a claim;
(ii) results in the Indemnified Party's full and general release from all liability arising from, relating to, or in connection with, the third-party claim; and
(iii) does not imply any finding or admission of a breach of law, regulation, or the rights of a third party by the Indemnified Party, and has no effect on other claims.
18.4. Other remedies of the Customer in the event of a claim from third parties
If the Services are, or, according to Spendesk, are likely to be, the subject of a third-party claim for infringement preventing the Customer's use of the Services, Spendesk may, at its sole discretion: (i) obtain for the Customer the right to continue to use the Services, (ii) replace or modify the relevant Services so that they are no longer in breach while providing substantially equivalent features, or (iii) if such solutions are not achievable on commercially reasonable terms, as determined by Spendesk, terminate the licence to use the relevant part of the Services, and promptly provide a pro rata refund of any Fees prepaid by Customer for the relevant part of the Services.
Without limiting Spendesk's obligation to indemnify the Customer in accordance with the provisions of article 18.1, the remedies provided for in this article will be the Customer's exclusive remedies with respect to third-party claims for any actual or alleged infringement by Spendesk of any third-party intellectual property right.
19.1. Liability limited to direct damages
Each Party’s liability under the Contract is limited to the direct damages suffered by the other Party, excluding any indirect damages.
19.2. Liability of the Customer
The Customer, acknowledging having read the characteristics and constraints, in particular technical, of all Services, is solely liable for the use of the Services by the Users.
The Customer is solely liable for the acts performed by the Users in connection with the use of the Services, including in the event of non-compliance with regulations, fraud, negligence, or abusive use of the Services. Spendesk cannot be held liable to the Customer or any third party for any fraudulent or abusive use of the Services by one or more User(s).
19.3. Liability of Spendesk
Spendesk cannot be held liable in the event of:
(i) misappropriation of Personalised Security Credentials and, more generally, any information of a sensitive nature for the Customer of which, for example, a third party might make a fraudulent use, if this misappropriation results from an action or omission of the Customer;
(ii) litigation related to the underlying relationship existing between (a) the Customer and (b) as the case may be, the Payer, the Beneficiary and/or the Acceptor, in particular in the event of breach by the Customer of its obligations towards the persons referred to in (b); or
(iii) damage suffered by the Customer resulting from an act or omission of a third party, including in the event of suspension of the Services or termination of the Contract at the request of a supervisory authority such as the ACPR.
In addition, the liability of Spendesk is limited, for all damages, to the amount of the Fees paid by the Customer during the twelve (12) calendar months preceding the event giving rise to the liability of Spendesk; it being specified that this limitation of liability does not apply (a) in the event of gross negligence or fraudulent conduct by Spendesk and (b) in the context of the indemnification procedure provided for in article 18.1.
19.4. Force majeure
The Parties will not be liable for any damage, delay, non-performance, or partial performance of their respective obligations under the Contract resulting from a Force Majeure Event.
The obligations of the Party affected by the Force Majeure Event will be suspended without incurring any liability whatsoever.
If a Force Majeure Event prevents either Party from performing an essential obligation under the Contract for a period of more than five (5) consecutive Business Days, the Parties will consult with a view to reaching a satisfactory solution. In the absence of agreement on such a solution within fifteen (15) Business Days following the expiry of the period of five (5) Business Days, either Party may terminate the Contract without compensation for the other Party in accordance with the provisions of article 17.
19.5. Liability of SFS SAS
The liability of SFS SAS as part of the provision of the Payment Services is provided for in the SFS SAS GTC.
19.6. Liability of TPL
The liability of TPL as part of the provision of the Payment Services is provided for in the TPL GTC.
19.7. Third-Party Services
The Customer may choose at its discretion to integrate the Services provided by Spendesk with third-party products and services (the "Third-Party Services"). Any acquisition by the Customer of Third-Party Services is solely between the Customer and the relevant Third-Party Service provider, and Spendesk does not guarantee, support, or assume any liability or other obligation with respect to such Third-Party Services unless expressly provided otherwise in the Contract.
In the event that the Customer elects to integrate or interoperate Third-Party Services with the Services provided by Spendesk in a manner that requires Spendesk or the Platform to exchange Customer’s data with such Third-Party Services or Third-Party Service provider, the Customer: (a) grants Spendesk permission to allow the Third-Party Services and Third-Party Service provider to access Customer’s data and information relating to the Customer’s use of the Services in an appropriate and necessary manner to enable the interoperability of such Third-Party Services with the Services provided by Spendesk; (b) acknowledges that any exchange of data between the Customer and any Third-Party Services is solely between the Customer and the Third-Party Service provider and is subject to the Third-Party Service provider's terms and conditions governing the use and provision of such Third-Party Services; and (c) releases Spendesk from any liability for any disclosure, modification or deletion of the Customer’s data resulting from access to such data by the Third-Party Services and the Third-Party Service provider.
The Customer may not assign or transfer all or part of its rights or obligations under the Contract to a third party, in any manner whatsoever.
Notwithstanding any contrary provision contained in the Partners' Documents, the Customer expressly authorises Spendesk, SFS SAS and TPL to assign to a third party all or part of their obligations under the Contract, subject to informing the Customer in advance.
If one or more provision(s) of the Contract are considered invalid or declared as such pursuant to a law, a regulation or following a final decision of a competent court, the other provisions will remain in full force and effect.
21.2. No waiver
Neither Party will be treated as having waived any rights by not exercising (or delaying the exercise of) any rights under the Contract.
21.3. Electronic communication
The Parties acknowledge that, under the conditions provided for in article 1366 of the French Civil Code, emails have the same probative force as written documents on paper. Consequently, emails and messages received electronically, including via the Platform, must be kept by the Parties under conditions that prevent any alteration of their form or content so as to constitute reliable copies.
All notifications made by email in the context of executing the Contract will be sent:
with respect to the Customer: to the address of the Main User or the User concerned, as registered on the Platform; and
with respect to Spendesk: to the address email@example.com.
21.5. Languages of the Contract
The Customer acknowledges and agrees that:
the language used in its pre-contractual and contractual relationship with Spendesk may be either English or French, or both, depending on the Partners' Documents applicable to the Services; and
to the extent permitted by law, (i) the French version of the General Terms and Conditions is deemed authentic for Customers registered or resident in France and (ii) the English version of the General Terms and Conditions is deemed authentic for Customers registered or resident outside of France; any other available translation of the General Terms and Conditions exists for information purposes only.
The Customer is informed that it can obtain at any time and free of charge from Spendesk a copy of the Contract on a durable medium.
21.6. Prior agreements
This Contract supersedes any prior oral or written agreement, and any other communications between the Customer and Spendesk relating to the subject matter of this Contract, including any confidentiality or non-disclosure agreements.
21.7. Commercial reference
The Parties are not authorised, except for any obligation imposed by applicable law or regulation, to publish or release any announcement, statement, press release or other publicity or marketing material relating to this Contract, or use the other Party's trademarks or logos without the other Party's prior written consent.
As an exception to the foregoing, Spendesk may include the Customer's name and logo as a commercial reference, including during events, in its commercial documents and on its website, in any form whatsoever, during the term of the Contract and beyond, for a period of six (6) months.
Spendesk agrees to cease such use of the Customer's name and logo as soon as possible upon receipt of a request from the Customer to firstname.lastname@example.org.
22. Applicable law and competent jurisdictions
22.1. Applicable law
The General Terms and Conditions are subject to French law.
The Partners' Documents are subject to the law specified in the Partners' Documents.
22.2. Competent jurisdictions
Any dispute relating in particular to the validity, interpretation, or execution of the General Terms and Conditions will be subject to the exclusive jurisdiction of the Commercial Court of Paris.
Any dispute relating in particular to the validity, interpretation, or execution of the Partners' Documents will be subject to the jurisdiction of the court(s) indicated in the Partners' Documents.