Terms of Use and Sale

In the event of a discrepancy, the French version prevails, subject to any mandatory rules applicable to the customer. The reference version is available at /fr/legal/term.

Version 2.3 — In force from 17 September 2026

1. Purpose and identity of the supplier

These terms of use and sale, hereinafter the "Terms", govern access to and use of the LinkyFlow service, including the website, the web application, the Excel extension or add-in, the APIs, the MCP server and the associated functions available at the time of use.

LinkyFlow is provided by GOLDEN F, a French société par actions simplifiée unipersonnelle with a share capital of €300, located at 21 avenue Pasteur, 92400 Courbevoie, France, registered with the Nanterre Trade and Companies Register under number 998 971 410, VAT number FR11998971410. Contact: contact@linkyflow.com.

2. Definitions

In these Terms:

• "Customer" means the natural or legal person who creates an account, subscribes to a plan or uses the Service;
• "Consumer" means a natural person acting for purposes outside their trade or profession;
• "Business Customer" means any person acting for the purposes of their professional activity;
• "Service" means LinkyFlow and its available interfaces;
• "Provider" means a third-party service connected by the Customer, in particular an exchange platform, a store, a payment service or another API;
• "Customer Data" means the data, settings, queries, connection credentials and content transmitted or made accessible by the Customer;
• "Plan" means the free plan, the trial or the subscription chosen by the Customer.

3. Scope and acceptance

The Terms are accessible before an account is created and before any paid subscription. The Customer must accept them by means of a box that is not pre-ticked. The accepted version, its date and the timestamp of acceptance are retained.

The privacy policy informs the Customer about the processing of personal data. It is not presented as a blanket consent. Consents that are required, in particular for certain trackers, are collected separately.

If the Customer acts for an organisation, they declare that they have the authority to bind it.

The Service is reserved for persons aged at least eighteen and having the necessary legal capacity.

4. Description of the Service

LinkyFlow is a software tool that connects third-party services to Excel and to other compatible interfaces, displays or processes the data the Customer requests and, when the Customer enables the corresponding permissions, transmits actions to the Provider concerned.

Depending on the connectors and the Plan, the functions may allow market data, balances, operations, orders, products, payments or inventories to be consulted, and orders, updates or other instructions to be transmitted to the Provider.

The available functions, their limits, their refresh frequency, the number of connections and any action caps are shown on the pricing page, in the application or at checkout before subscribing. This information forms part of the essential characteristics of the chosen Plan.

LinkyFlow holds no funds, no crypto-assets and no means of payment belonging to the Customer. The Service is designed as a software interface and does not carry out asset custody, portfolio management, investment advice or tax or accounting advice. It recommends no transaction, no asset, no strategy and no accounting or tax treatment. Any function liable to constitute a regulated service is only offered in the countries and under the conditions where GOLDEN F is legally authorised to provide it.

5. Requirements and compatibility

The Customer must have a device, an internet connection, a compatible version of Excel or a compatible client, as well as valid accounts with the Providers they choose. Known compatibilities and restrictions are stated in the documentation.

A Provider's functions depend on its own APIs, authorisations, quotas, terms and availability. GOLDEN F is not a party to the contract between the Customer and the Provider.

6. Account creation and security

The Customer provides accurate information and keeps their email address up to date. They protect access to their account, their mailbox, their devices and their workbooks. Any activity carried out from a validly authenticated session is presumed to come from the Customer, save proof of fraudulent access or of a failure attributable to GOLDEN F.

The Customer informs GOLDEN F without delay at contact@linkyflow.com if they suspect unauthorised access.

GOLDEN F may ask for reasonable verification of identity or of authority to represent where this is necessary for security, billing, fraud prevention or the exercise of a right.

By creating their account, the Customer accepts that the signed-in application — app.linkyflow.com and the Excel task pane — measures its own usage and records technical diagnostics: pages and screens viewed, feature events, errors and performance. This measurement serves only to operate the Service, observe faults and fix them. It serves no advertising, no profiling and no resale, and the trackers involved are listed exhaustively in the cookie policy, which also states how to object to them. The sign-in screen restates this before the account is created. The public website linkyflow.com, which addresses visitors without an account, remains subject to the consent banner described in that same policy.

7. Provider connections and secret credentials

The Customer chooses the Providers they connect and grants the necessary authorisations. They must use the lowest level of authorisation compatible with their need: read-only for consultation, and write permissions only when they genuinely wish to transmit actions.

For an exchange platform, the Customer must not grant a withdrawal permission to LinkyFlow. Enabling a trading permission allows orders to be sent and carries financial risk. For a store or another service, a write permission may modify products, prices, stock, orders or other operational data.

Secrets are encrypted in transit and at rest, isolated per Customer and excluded from logs, analytics tools and content sent to an artificial intelligence. They are never displayed in clear again after being saved.

The Customer may delete a connection and must also revoke the authorisation or the key directly with the Provider when they no longer wish it to be usable.

8. Actions, orders and Customer controls

Any write action or transaction must result from an explicit instruction from the Customer and must display, before confirmation where the function allows it, the Provider, the connection, the nature of the action and its essential parameters.

The Customer must check the parameters, units, currencies, quantities, prices, accounts and consequences before confirming. Once transmitted, the instruction may be executed immediately by the Provider and may not be capable of being cancelled by LinkyFlow.

The Provider's system and its records are authoritative as to the acceptance, rejection, execution or final state of an instruction. Where the LinkyFlow display and the Provider differ, the Customer must stop the action and check their Provider account directly.

Scheduled functions, formulas, scripts, automations, APIs or agents may repeat an action. The Customer remains responsible for their configuration, their limits and their monitoring. LinkyFlow must provide the confirmations, caps and protections announced in the interface.

9. Market data, accounting data and results

The data displayed comes from the Providers and may be delayed, incomplete, rounded, corrected or unavailable. It does not constitute a single official source. The Customer must check with the Provider any data used for a transaction, a declaration, an accounting close, a financial decision or a tax decision.

The calculations, examples, exports and tables produced by LinkyFlow are technical tools. They do not replace the Customer's own checks or the opinion of a qualified professional.

10. Plans, limits and reasonable use

A free Plan may be offered with limited functions and volumes. No means of payment is required for the free Plan, unless clearly stated otherwise before a separate function is enabled. No paid overage is charged automatically without prior information and the Customer's express agreement.

Paid Plans, their prices, limits, periods and characteristics are presented before the order. Usage counters and the applicable calculation rules must be accessible in the application.

When a limit is reached, LinkyFlow may suspend the function concerned until the quota renews, or propose a change of Plan. The suspension must not alter data the Customer already holds with their Providers.

GOLDEN F may change the free Plan for an objective reason, subject to reasonable information where a change substantially affects an existing use. A free Plan may be discontinued after reasonable notice, save for a security emergency or a legal obligation.

11. Prices, taxes and invoicing

The applicable prices are those displayed on the pricing page and in the checkout summary at the time of the order.

For a Consumer, any price in euros is displayed inclusive of all taxes. At the current list price, the Starter plan is billed at €19.99 including tax per month, the Pro plan at €49.99 including tax per month and the Business plan at €99.99 including tax per month. The amount excluding tax and the applicable VAT appear on the invoice.

For a Business Customer, VAT treatment depends in particular on their country and on the validity of the VAT number provided. The invoice states, as the case may be, the VAT charged or the applicable reverse-charge wording.

A promotion or coupon states, before the order, the amount or percentage of the discount, its duration, its conditions and the price that will apply afterwards. Unless stated otherwise, a promotion does not change the renewal frequency.

Invoices are made available electronically. The Customer must provide accurate billing information and keep it up to date.

12. Free trial and formation of the paid contract

Where the checkout says so, the Starter and Pro subscriptions begin with a fifteen-day free trial. The summary shows the start date, the expected date of the first charge and the amount that will be charged. The Customer may cancel before that date without being charged.

The order is concluded once the Customer has been able to check and correct their summary, has accepted the Terms and has activated the button clearly indicating the obligation to pay at the end of the trial. An acknowledgement of receipt and a durable copy of the contractual information are sent electronically.

The free trial does not create a new withdrawal period when it converts into a paid subscription. The statutory period runs from the initial conclusion of the contract.

GOLDEN F may limit a trial to one trial per Customer, organisation, means of payment or set of reasonably related indicators, in order to prevent abuse.

13. Payment and payment incidents

Subscriptions are paid in advance for each period using the methods offered at checkout. Full card details are entered with the payment provider and are not received by GOLDEN F.

If a payment fails, the Customer is informed and may update their means of payment. After reasonable attempts and prior information, GOLDEN F may suspend the paid functions or move the account to a compatible free Plan. Suspension does not extinguish payment obligations already due.

For a Business Customer, any sum unpaid at maturity carries, automatically and without reminder, penalties at the rate applied by the European Central Bank to its most recent refinancing operation plus ten percentage points, and in any event not less than three times the statutory interest rate. A fixed indemnity of €40 for recovery costs is also due. Additional compensation may be claimed on supporting evidence where recovery costs exceed that amount. These provisions do not apply to Consumers.

No discount is granted for early payment, save written agreement to the contrary.

14. Term, renewal and ordinary termination

Unless the checkout states otherwise, the paid subscription is concluded for one month and renews automatically for monthly periods until it is terminated.

The Customer may terminate at any time from their account or by means of the "Terminate your contract" function. Ordinary termination takes effect at the end of the period already paid for. Until that date, the Customer keeps the functions of their Plan, save for non-payment, fraud, a security risk or a serious breach.

GOLDEN F confirms on a durable medium the receipt of the request, its effective date and its consequences. Deleting the account and terminating the subscription are two distinct actions.

Sums already paid for the current period are not refunded on the sole ground of an ordinary termination during the period, without prejudice to the right of withdrawal, the legal guarantee, an announced commercial refund or any other mandatory right.

15. Consumers' right of withdrawal

The Consumer has fourteen days from the conclusion of the distance contract to exercise their right of withdrawal, without having to give reasons.

They may use the free "Withdraw from the contract" function available from the website and from their account during the statutory period, send the form set out in the annex, or address any unambiguous statement to contact@linkyflow.com.

The online function makes it possible to identify the Customer and the contract, to state the email address for confirmation, to check a summary and then to confirm the withdrawal. GOLDEN F then sends an acknowledgement of receipt on a durable medium including the content, the date and the time of the request.

Where the Consumer expressly requests immediate access to the Service during the withdrawal period, that request does not amount to an early waiver of their right for a service supplied continuously. If they exercise their right after the start of a paid period, they may owe only the amount proportionate to the service actually supplied up to their decision, where the statutory conditions are met. No amount is due in respect of a period announced as free.

GOLDEN F refunds the sums due at the latest within fourteen days of being informed of the withdrawal, using the same means of payment, unless expressly agreed otherwise at no cost.

16. Legal guarantee of conformity for digital services

The Consumer benefits from the legal guarantee of conformity applicable to digital content and services. GOLDEN F provides the updates necessary to maintain conformity for the duration of the contract. In the event of a defect, the Consumer may request that conformity be brought about free of charge and without undue delay. In the situations provided for by law, they may obtain a price reduction or bring the contract to an end.

Translation of the notice required by the annex to article D. 211-4 of the French Consumer Code. The French version prevails.

The consumer is entitled to the legal guarantee of conformity should a lack of conformity appear throughout the period during which the digital service is supplied, that is, for the duration of their subscription: one month, renewed by tacit renewal until it is terminated. During that period the consumer need only establish the existence of the lack of conformity, not the date on which it appeared.

The legal guarantee of conformity entails the obligation to provide all updates necessary to maintain the conformity of the digital content or digital service throughout the period during which the digital service is supplied, that is, for the duration of their subscription: one month, renewed by tacit renewal until it is terminated.

The legal guarantee of conformity entitles the consumer to have the digital content or digital service brought into conformity without undue delay following their request, free of charge and without major inconvenience to them.

The consumer may obtain a price reduction while keeping the digital content or digital service, or may bring the contract to an end and be reimbursed in full in exchange for relinquishing the digital content or digital service, if:

1. The trader refuses to bring the digital content or digital service into conformity;

2. Bringing the digital content or digital service into conformity is unjustifiably delayed;

3. Bringing the digital content or digital service into conformity cannot take place without cost being imposed on the consumer;

4. Bringing the digital content or digital service into conformity causes major inconvenience to the consumer;

5. The lack of conformity of the digital content or digital service persists despite the trader's unsuccessful attempt to bring it into conformity.

The consumer is also entitled to a price reduction or to rescission of the contract where the lack of conformity is so serious that it justifies an immediate price reduction or rescission. In that case the consumer is not required to ask first for the digital content or digital service to be brought into conformity.

Where the lack of conformity is minor, the consumer is entitled to cancel the contract only if the contract does not provide for the payment of a price.

Any period during which the digital content or digital service is unavailable in order to be brought back into conformity suspends the remaining guarantee period until the digital content or digital service is supplied in conformity again.

These rights result from the application of articles L. 224-25-1 to L. 224-25-31 of the Consumer Code.

A trader who obstructs in bad faith the implementation of the legal guarantee of conformity is liable to a civil fine of up to €300,000, which may be raised to 10% of average annual turnover (article L. 242-18-1 of the Consumer Code).

The consumer also benefits from the legal warranty against hidden defects under articles 1641 to 1649 of the Civil Code, for two years from the discovery of the defect. That warranty gives a right to a price reduction if the digital content or digital service is kept, or to a full refund in exchange for relinquishing it.

Contact for implementing the guarantee: contact@linkyflow.com.

17. Maintenance, availability and updates

GOLDEN F uses reasonable means to ensure the availability and security of the Service. No contractual availability rate is promised save under a separate written commitment.

Scheduled maintenance, incidents, security updates or Provider unavailability may temporarily interrupt all or part of the Service. Where possible, maintenance with a significant impact is announced in advance.

Updates necessary for security and compliance must be installed or taken into account by the Customer where action on their part is required.

GOLDEN F may modify the Service for reasons of security, compliance, technical evolution, interoperability or improvement. A modification with a more than minor negative impact for a Consumer is announced on a durable medium together with its reason, its date and the applicable rights, in particular the possibility of bringing the contract to an end at no cost where the law so provides.

18. Support

Support is available at contact@linkyflow.com. Its level and any response times depend on the Plan or on a separate agreement. No immediate reply is guaranteed.

To help diagnosis, the Customer may be asked to provide a description, times, technical identifiers and screenshots. They must never send a password, a private key, a secret API key, a full token or card data.

19. Customer Data and data protection

The Customer keeps their rights over their Customer Data. They grant GOLDEN F the limited authorisation to host, encrypt, transmit, display and process it solely in order to provide, secure and support the Service, comply with the law and carry out their instructions.

The Business Customer warrants that they have a legal basis and the rights necessary for the personal data they connect to LinkyFlow to be processed. Where GOLDEN F acts as a processor, the data processing agreement available at /legal/dpa applies.

The privacy policy available at /legal/privacy explains the processing whose purposes GOLDEN F determines. The list of technical subprocessors is published at /legal/subprocessors.

Data written into a workbook, transmitted to an API or handed to an MCP or AI client chosen by the Customer leaves the environment controlled by GOLDEN F and is then governed by the choices and the security of the Customer and of the receiving service.

20. Intellectual property

GOLDEN F and its licensors retain the rights to the Service, its code, its interfaces, its documentation and its brand elements. These Terms grant the Customer, for the duration of their access, a personal, limited, non-exclusive, non-transferable and revocable right to use the Service in accordance with the Plan and its purpose.

The Customer must not copy, resell, rent, circumvent the limits of, substantially extract from, decompile or attempt to reconstitute the Service, save under a mandatory right or a written authorisation.

Comments and suggestions may be used by GOLDEN F to improve the Service, without transfer of ownership over the Customer Data and without disclosure of confidential information.

21. Prohibited uses

The Customer must not:

• use the Service for unlawful or fraudulent purposes or in a way that infringes third-party rights;
• access an account, data, a connection or infrastructure without authorisation;
• circumvent quotas, security controls, confirmations or the restrictions of a Plan;
• disrupt the Service, launch malicious code, an attack or an abusive volume;
• share or resell access contrary to the Plan;
• use a Provider's data in breach of its rights or terms;
• use an action function without sufficient authorisation from the holder of the Provider account;
• deliberately enter sensitive data or secrets into support, analytics or telemetry fields.

22. Suspension and termination by GOLDEN F

GOLDEN F may suspend access immediately where necessary to prevent fraud, unauthorised access, a security breach, damage to systems or a breach of the law. It informs the Customer as soon as reasonably possible.

For another remediable breach, GOLDEN F asks the Customer to correct it within a reasonable time before terminating. In the event of a serious or repeated breach, persistent non-payment or unlawful use, GOLDEN F may terminate the contract after giving reasons, subject to the Consumer's mandatory rights.

At the end of the contract, the Customer must export whatever they wish to keep before their access expires. Deletions follow the privacy policy and, for data processed for a Business Customer, the DPA.

23. Liability

23.1 Consumers

GOLDEN F answers for the performance of its obligations under the conditions provided by law. No clause of these Terms limits the legal guarantee of conformity, the Consumer's mandatory rights, or liability which cannot lawfully be excluded or limited.

GOLDEN F is not liable for a decision taken by the Customer on the basis of data manifestly supplied by a Provider, for a misconfiguration by the Customer, for an instruction confirmed with incorrect parameters, for a withdrawal of permission by the Provider or for unavailability attributable exclusively to the Provider, except where GOLDEN F contributed to the damage through a breach attributable to it.

23.2 Business Customers

To the extent permitted by law, GOLDEN F does not compensate indirect damage such as a loss of opportunity, margin, turnover or reputation, where it is not the immediate and foreseeable consequence of the breach.

For all direct damage arising from the same triggering event, GOLDEN F's total liability towards a Business Customer is limited to the amount excluding tax paid by that Customer during the twelve months preceding the triggering event. This limit does not apply to wilful misconduct, gross negligence, personal injury, breach of an essential obligation where it would deprive that obligation of its substance, or liabilities which cannot be limited by law. Obligations relating to personal data further remain subject to the applicable mandatory rules and to the DPA.

The Business Customer must take reasonable measures to limit their damage, in particular stopping an abnormal automation, revoking a compromised key and backing up their files.

24. Force majeure

Neither party is liable for a delay or failure caused by an event meeting the criteria of force majeure under French law. The party concerned informs the other within a reasonable time and limits the effects of the event. If the impediment continues and durably deprives the contract of its usefulness, either party may bring it to an end under the conditions provided by law.

25. Changes to the Terms and to prices

GOLDEN F may modify the Terms for an objective reason, in particular a legal, regulatory, technical, security or Service development.

A purely favourable, editorial modification, or one imposed immediately by law, may take effect on publication. A substantial unfavourable modification is notified on a durable medium before it comes into force. The Customer may terminate before that date if the modification affects their subscription and they do not wish to accept it.

A price increase applies only to a future renewal period, after prior information allowing the Customer to terminate before it applies. Merely continuing to browse the website does not amount to acceptance of a substantial modification of an ongoing contract.

Previous versions and their period of application are retained.

26. Complaints

Any complaint may be addressed to:

GOLDEN F — LinkyFlow 21 avenue Pasteur 92400 Courbevoie — France contact@linkyflow.com

The Customer describes the problem, the account concerned, the date, the expected outcome and any useful details, without transmitting any secret.

27. Applicable law and competent courts

The Terms are governed by French law.

The Consumer keeps the benefit of the more protective mandatory provisions of their country of residence. They may bring proceedings before the competent courts under the applicable mandatory rules, in particular those of their domicile where those rules so provide.

For any dispute between GOLDEN F and a Customer having the status of a trader, express jurisdiction is given to the competent courts of Nanterre, including in the event of multiple defendants or of third-party proceedings, subject to any mandatory rule to the contrary.

28. General provisions

If a clause is declared invalid, the other clauses remain applicable. Failure to exercise a right immediately does not amount to a waiver. The Customer may not transfer the contract without the written agreement of GOLDEN F, save under a mandatory right. GOLDEN F may transfer the contract as part of a restructuring or a disposal of the Service, provided it does not reduce the Consumer's rights and informs them where the law so requires.

The Terms, the order summary, the characteristics of the Plan, the DPA where it applies and any special conditions constitute the contractual agreement.

Annex — Model withdrawal form

To GOLDEN F — LinkyFlow, 21 avenue Pasteur, 92400 Courbevoie, France, contact@linkyflow.com:

I hereby give notice of my withdrawal from the contract for the supply of the LinkyFlow service below.

• Plan subscribed to:
• Date the contract was concluded:
• Subscription reference, if available:
• Consumer's first and last name:
• Email address used for the account:
• Consumer's postal address, if the request is sent by post:
• Date of the request:
• Consumer's signature, only where sent on paper: