Legal Notice (Mentions Légales)

1. Publisher Information

This website sepabill.com (hereinafter "the Website") is published by:

2. Publication Director

The Publication Director (Directeur de la publication) of the Website is the legal representative of SAS BEHINDER.

3. Hosting Provider

The Website is hosted by:

4. Important Disclaimer – Financial Services

Sepabill provides software and technology services only. SAS BEHINDER is not a bank, payment institution, or electronic money institution.

Financial services accessible through Sepabill are provided exclusively by SWAN, a licensed payment institution supervised by the Autorité de Contrôle Prudentiel et de Résolution (ACPR) in France. SAS BEHINDER acts solely as a SWAN reseller/distributor and does not provide regulated financial services in its own name.

User funds are safeguarded by SWAN in accordance with French and EU regulations, including PSD2 (Payment Services Directive 2), through segregation mechanisms and separate accounts, and are fully separated from the payment institution's own funds.

5. Terms of Use

By accessing and using this Website, you agree to comply with and be bound by these Legal Terms, our Privacy Policy, and our Cookie Policy.

If you do not agree with any part of these terms, you must discontinue use of the Website immediately.

6. Prohibited Uses

Users are prohibited from:

• Using the Website for any unlawful purpose or in violation of applicable laws
• Attempting to damage, disable, or impair the Website's functionality
• Attempting to gain unauthorized access to the Website's systems or networks
• Transmitting any viruses, malware, or other harmful code
• Engaging in any activity that interferes with other users' access to the Website
• Disseminating offensive, defamatory, discriminatory, or illegal content
• Using automated systems (bots, scrapers) without express authorization

7. Intellectual Property

All content on this Website, including but not limited to text, graphics, logos, images, software, and design, is the exclusive property of SAS BEHINDER or its licensors and is protected by French and international intellectual property laws.

Reproduction, distribution, modification, or use of any content from this Website without prior written authorization from SAS BEHINDER is strictly prohibited and may result in legal action.

8. Third-Party Links

This Website may contain links to external websites. SAS BEHINDER has no control over and assumes no responsibility for the content, privacy policies, or practices of any third-party websites. Access to such external sites is at your own risk.

9. Limitation of Liability

SAS BEHINDER endeavors to ensure the accuracy of information on the Website but cannot guarantee that it is complete, accurate, or up-to-date at all times. The information is provided "as is" without warranty of any kind.

To the fullest extent permitted by French law, SAS BEHINDER shall not be liable for:

• Any direct or indirect damages arising from the use of or inability to use the Website
• Any interruption, suspension, or termination of services
• Any loss of data or security breaches beyond our reasonable control
• The content or practices of any linked third-party websites

10. Personal Data Protection

Personal data collected through this Website is processed in accordance with the General Data Protection Regulation (EU) 2016/679 (GDPR) and French Law No. 78-17 of January 6, 1978 (Loi Informatique et Libertés), as amended.

For detailed information about how we collect, use, and protect your personal data, please refer to our Privacy Policy.

11. Modifications

SAS BEHINDER reserves the right to modify these Legal Terms at any time. Changes will be effective immediately upon posting on the Website. Your continued use of the Website following any changes constitutes acceptance of those changes.

12. Applicable Law and Jurisdiction

These Legal Terms are governed by and construed in accordance with French law. Any dispute arising from the use of this Website shall be subject to the exclusive jurisdiction of the competent courts of Paris, France.

13. Contact

For any questions regarding these Legal Terms, please contact us at: