Terms of Use

These Terms of Use set out the conditions for accessing and using the online banking services offered by Vialmas S.A.S. through the vialmas.com website and the Vialmas mobile application, in accordance with French law and European directives (PSD2, GDPR).

Using the Vialmas services implies full and unreserved acceptance of these Terms of Use. If you do not accept these terms, you must not use our services.

To access the Vialmas services, you must:

• Be a natural person of legal age with full legal capacity
• Reside in one of the 27 countries of the European Union or the European Economic Area
• Provide accurate and complete information when registering (KYC)
• Have a compatible device and an internet connection
• Hold a valid European identity document

You are responsible for keeping your login credentials confidential (PSD2 strong customer authentication). Any use of your account is deemed to have been made by you. In the event of loss, theft or fraudulent use of your credentials, you must inform us immediately through the app or on +33 1 85 73 00 00.

Vialmas offers the following services in the EEA:

• Opening and management of a EUR payment account
• Visa/Mastercard bank cards (debit and credit)
• Instant SEPA transfers and international SWIFT transfers
• Almas Credit (personal loans up to EUR 75,000)
• MiFID II-compliant savings and investments
• Mobile payments (Apple Pay, Google Pay)

The prices applicable to the Vialmas services are set out in our price list, available on the website and in the app. Vialmas reserves the right to change its prices with 2 months' notice, in accordance with the French Monetary and Financial Code.

User responsibilities:

• Use the services for their intended purpose and in accordance with the law
• Keep their credentials and authentication devices secure
• Report any anomaly or unauthorised transaction within 13 months (PSD2)

Vialmas responsibilities:

• Ensure the availability of the services (99.9% SLA)
• Secure transactions and data (TLS 1.3 encryption, 3D Secure 2)
• Refund unauthorised transactions within 24h (PSD2)
• Handle complaints as promptly as possible (max. 15 business days)

Vialmas implements security measures that meet European standards: AES-256 encryption, strong authentication (2FA/biometrics), AI-based fraud detection, and PCI-DSS compliance for payments. You must also contribute to this security by never disclosing your access codes.

Vialmas may amend these Terms of Use at any time. Changes will be notified by email and/or in-app notification with 2 months' notice. Continued use of the services after the changes take effect constitutes acceptance.

You may close your account at any time, free of charge, through the app or by contacting customer service. Vialmas may also close your account in the event of a breach of these Terms of Use, with 2 months' notice except in cases of serious misconduct or suspected fraud.

In the event of a dispute, you may refer the matter free of charge to the Mediator of the Autorité des Marchés Financiers (AMF) or the Mediator of the Fédération Bancaire Française (FBF). These Terms of Use are governed by French law. Failing an amicable settlement, the courts of Paris shall have jurisdiction, subject to the mandatory provisions of consumer law.