Terms of sale

1. Who you are contracting with

These terms govern the sale of the Five Peers service. Five Peers is a service operated by Holco Invest (SAS), registered in France under SIREN 819 582 453, whose registered office is at 64 rue du Mont Cenis, 75018 Paris, France. Contact: contact@fivepeers.com.

Ordering the service means accepting these terms in the version published on the day of the order. The version in force is dated at the top of this page.

2. What the service is, and what it is not

Five Peers composes a board of five reasoning methods, works a decision you submit, and writes that decision into a record that belongs to you.

The service is a decision support tool. It does not provide legal, tax, accounting, financial, investment or medical advice, and it is not a regulated advisory service of any kind. You remain the sole decision maker and the sole person responsible for the decisions you take. No output of the service is a recommendation to act.

We make no promise as to any result, gain, saving or outcome obtained through the use of the service.

3. What is included at the date of these terms

Included: the composition of your board, the sessions opened under the list, and the decision record with its export. Access is free of charge, and no paid tier is open.

Not included, because it does not exist yet: the MCP connector and any automated connection to a third-party assistant or data source. These are published as a specification with a status on every block. Registering an interest in the connector gives you priority of access when it opens, and nothing more. No tier is sold on the promise of that connector.

4. Order, and how the contract is formed

You order by completing the enrolment path on the site and entering a payment card.

At that moment Stripe collects your card in setup mode. This is an imprint: no amount is authorised, no charge is made and no subscription starts. The contract for a paid subscription is formed only when you confirm, in writing, that you want the subscription to begin, after you have run real sessions. Until that confirmation, you owe nothing and may ask for the card to be removed at any time by writing to contact@fivepeers.com.

5. Prices

The service is not on sale at the date of these terms. No rate is set, no price is due, and access granted through the opening list is free of charge.

Prices will be published on the site before any paid launch. No rate will be applied to a place taken before publication without your express prior agreement.

6. Payment

No means of payment is collected. No bank card is requested, no charge or imprint is made, and no subscription is opened.

If the service becomes paid, payment terms will be published and your agreement obtained before any charge.

7. Duration, renewal and termination

This article applies only from the day a paid subscription is opened. While the service is not on sale, access granted under the list ends at your request, with no notice and no fee.

A subscription runs for twelve months from the day it begins and renews for successive periods of twelve months unless terminated at least thirty days before the end of the current period.

You may terminate by writing to contact@fivepeers.com. Termination takes effect at the end of the period paid for. Amounts already paid for the current period are not refunded, except where these terms or the law provide otherwise.

We may terminate with sixty days notice, and refund the unused portion of the period.

8. Right of withdrawal

This article applies only from the day a paid subscription is opened.

Where the law grants you a right of withdrawal, you have fourteen days from the start of the subscription to exercise it by writing to contact@fivepeers.com, and we refund within fourteen days of that request.

We grant the same fourteen day right by contract to business customers who would not otherwise benefit from it. This is a contractual commitment, not a legal obligation, and it does not turn a business customer into a consumer.

9. Your obligations

You provide accurate information, you keep your access credentials confidential, and you use the service for your own professional purposes.

You do not submit personal data of third parties beyond what a decision genuinely requires, you do not submit data you are not entitled to submit, and you do not use the service to make decisions that are unlawful or that would harm identified individuals.

10. Personal data

The decision record is hosted in France. Processing is described in the privacy policy, which forms part of these terms.

One point stated plainly rather than buried: working a decision calls a language model, and that call leaves our infrastructure. We do not claim that everything stays inside a border, because it does not. The record itself, and its export, are hosted in France.

11. Intellectual property, and what belongs to whom

The platform, the methods, the composition rules and the software remain the property of Holco Invest.

The content you submit and the decision record built from it remain yours. You may export the record in an open format at any time. Ending the contract does not deprive you of that export: we keep the record available for export for ninety days after termination, then delete it.

12. Confidentiality

Each party keeps confidential the information of the other that is not public. We do not sell your data, we do not use your decisions to train a public model, and we do not name you as a customer without your written agreement.

13. Availability

We do not commit to a service level at this stage of the product, and we prefer to say so rather than publish a figure we cannot hold. We announce planned interruptions where we can and we tell you when something has failed.

14. Liability

We are liable for direct damage caused by our own fault. Our total liability over any twelve month period is limited to the amounts you actually paid over that period.

We are not liable for indirect damage, nor for any decision you take, whatever the role our service played in your thinking. Nothing in these terms excludes liability that the law does not allow us to exclude, in particular in case of gross negligence, wilful misconduct or personal injury.

15. Force majeure

Neither party is liable for a failure caused by an event of force majeure within the meaning of article 1218 of the French Civil Code.

16. Changes to these terms

We may change these terms. A change applies to your subscription at its next renewal, and we tell you at least thirty days beforehand. If you refuse the change, you may terminate before the renewal without penalty.

17. Governing law and disputes

These terms are governed by French law.

Before any legal action we ask you to write to contact@fivepeers.com so we can try to settle the matter. Failing agreement, disputes with business customers are subject to the exclusive jurisdiction of the courts of Paris. Consumers keep the right to bring proceedings before the court of their own domicile and to use a consumer mediator free of charge.