Terms and Conditions of Sale

These Terms and Conditions of Sale (the “Terms”) govern sales concluded between:

hereinafter referred to as “NEXORA”, “StixBNK”, “we”, “us” or “our”,

and

any natural person acting for purposes outside their trade, business, craft, liberal profession or agricultural activity, hereinafter referred to as the “Customer” or “you”.

Article 1 – Purpose

These Terms set out the conditions under which NEXORA, through the StixBNK solution, sells products, services, digital content and/or digital services offered on its website or through a checkout or payment interface operated in its name.

Where expressly indicated on the order page, checkout page, payment page, invoice, order summary or any other contractual support, NEXORA acts as Merchant of Record (“MOR”), meaning that NEXORA is the contracting seller vis-à-vis the final Customer for the relevant transaction.

In such case, NEXORA is the legal seller for the transaction concerned, collects the payment in its own name or for its own account, and issues the corresponding commercial documentation, unless expressly stated otherwise.

Article 2 – Definitions

For the purposes of these Terms:

• Customer means any consumer purchasing a product or service governed by these Terms.
• Merchant of Record or MOR means the legal entity identified as the seller of record for the transaction vis-à-vis the final Customer.
• Merchant means the brand, publisher, seller, trader or commercial partner whose products or services are presented to the Customer.
• Digital Service means a service that allows the Customer to create, process, store or access data in digital form, or to share digital data.
• Digital Content means data produced and supplied in digital form.
• Order means any purchase or subscription validated by the Customer with an obligation to pay.
• Subscription means any recurring offer that renews periodically and grants access to a product, service, digital content or digital service.
• Payment Service Provider or Payment Partner means any technical or regulated provider involved in processing, initiating, securing, routing, authenticating or verifying a payment transaction, including, where relevant, open banking partners.
• Account means any user account or customer space enabling access to certain services, subscriptions, order history, billing information or technical features.

Article 3 – Scope of Application

These Terms apply to all sales concluded between NEXORA and the Customer relating to products, services, digital content or digital services marketed under the StixBNK brand, unless specific terms have been expressly accepted in writing.

The Terms applicable to an Order are those in force on the date on which the Order is placed.

These Terms apply only to consumers. Business customers may be subject to separate contractual terms.

Article 4 – Pre-Contractual Information

Before placing an Order, the Customer is provided, in a clear and comprehensible manner, with the essential information relating in particular to:

• the main characteristics of the product or service;
• the total price including all applicable taxes;
• the identity of NEXORA;
• payment methods;
• the existence, conditions and limits of any right of withdrawal;
• the duration of the contract and the termination conditions, where the offer is a Subscription;
• the main functionalities and relevant compatibility/interoperability information for Digital Content or Digital Services, where applicable.

The Customer acknowledges having reviewed this information before validating the Order. French consumer law requires this pre-contractual information, and French law also contains dedicated rules for digital content and digital services.

Article 5 – NEXORA’s Role / Merchant of Record

Where the checkout, payment page, Order summary or other contractual materials indicate that StixBNK / NEXORA acts as Merchant of Record, the Customer acknowledges that:

• NEXORA is the contractual seller for the relevant transaction;
• payment is made to NEXORA or for NEXORA’s benefit;
• NEXORA is the Customer’s contractual point of contact for invoicing, refunds relating to the relevant transaction, and complaints related to the sale, subject to the exclusions set out in these Terms;
• the Merchant partner may remain responsible, depending on the nature of the offer, for certain aspects such as technical delivery, operational performance, product support, functional access, use conditions, or specific product-related obligations.

Where NEXORA does not act as Merchant of Record, this will be expressly stated in the relevant purchase flow or in the applicable specific terms.

Article 6 – Ordering Process

The Customer selects the desired offer, reviews the Order summary, reads these Terms and, where applicable, the Privacy Policy, and then validates the Order.

Validation of the Order implies:

• full acceptance of these Terms without reservation;
• acknowledgement of the obligation to pay;
• where applicable, express consent to immediate performance of a Digital Content or Digital Service contract and acknowledgement of the resulting loss of the right of withdrawal under the conditions set out in Article 12.

The contract is formed when NEXORA confirms the Order.

NEXORA then sends the Customer an Order confirmation on a durable medium, including by email where appropriate, summarising the Order.

Article 7 – Prices

Prices are displayed in euros and include all applicable taxes, unless expressly stated otherwise.

The applicable price is the one displayed at the time the Order is validated.

Any discounts, promotional offers or time-limited offers are governed by their own specific conditions.

Any additional charges are indicated to the Customer before final validation of the Order.

Article 8 – Payment

Payment is due immediately upon Order, unless expressly stated otherwise.

The Customer may pay using the payment methods offered on the payment interface.

Where payment is initiated through a pay-by-bank or open-banking solution, the Customer may be redirected to the interface of a Payment Partner and/or their bank in order to authenticate and authorise the transaction.

NEXORA may use technical providers or regulated partners to process, initiate, secure, authenticate, route or verify payments.

NEXORA reserves the right to refuse, suspend, cancel or place on hold any Order in case of:

• fraud or attempted fraud;
• payment incident;
• manifestly inaccurate, incomplete or misleading information;
• abusive use of the services;
• a regulatory, compliance or security issue affecting the transaction.

Article 9 – Technical Requirements and Access Conditions

Access to certain products, Digital Content or Digital Services offered by NEXORA may require the use of compatible equipment, internet access, and, where applicable, updated software, browsers, operating systems or applications.

The Customer remains solely responsible for:

• obtaining, operating and maintaining their equipment;
• their internet or mobile connection;
• any telecommunication, data or internet access charges billed by their provider;
• keeping their technical environment up to date.

NEXORA does not guarantee that the services will be fully accessible on equipment or configurations that do not meet the communicated prerequisites.

Article 10 – Provision of Products and Services

The method of supply depends on the nature of the offer purchased.

Depending on the case, supply may take the form of:

• immediate access to Digital Content;
• activation of an Account;
• provision of a Digital Service;
• an email confirmation;
• delivery of a licence, identifier, token, secure link, access code or other means of access.

Any delivery or activation timeframe is indicated before the Order is validated where relevant.

NEXORA uses reasonable means to ensure the accessibility and availability of the service, subject in particular to maintenance operations, updates, technical incidents, bank or partner constraints, security measures and third-party dependencies.

Article 11 – Customer Account

Certain offers require the creation of an Account.

The Customer undertakes to provide accurate, complete and up-to-date information.

The Customer is solely responsible for maintaining the confidentiality of their login credentials and for all use made of their Account, except where unauthorised use is not attributable to the Customer.

NEXORA may suspend, restrict or delete an Account in case of:

• breach of these Terms;
• fraud or attempted fraud;
• abusive, unlawful or suspicious use;
• false, incomplete or misleading information;
• a security or compliance requirement.

Article 12 – Right of Withdrawal

12.1 Principle

Where provided by law, the Customer, acting as a consumer, has a period of fourteen (14) days to exercise their right of withdrawal without giving any reason and without incurring costs other than those provided by law.

This period runs from:

• the conclusion of the contract, for services and Digital Content or Digital Services not supplied on a tangible medium; or
• receipt of the goods, for the sale of goods.

To exercise this right, the Customer may contact NEXORA at: Email: support@stixbnk.com or by post at the registered office address stated above.

12.2 Exception for Digital Content and Digital Services

The Customer acknowledges that, for Digital Content not supplied on a tangible medium and for certain Digital Services performed immediately after the Order, the right of withdrawal may be lost where:

• the Customer has given prior express consent to immediate performance; and
• the Customer has acknowledged that they would thereby lose their right of withdrawal; and
• NEXORA has provided confirmation on a durable medium.

In such case, once performance has begun, no refund shall be due under the legal right of withdrawal. EU/French consumer rules specifically allow loss of withdrawal rights for digital content/digital services in those circumstances.

12.3 Refunds Following Valid Withdrawal

Where withdrawal is validly exercised, NEXORA will reimburse the sums due within the legal time limits, using the same means of payment as that used for the original transaction unless the Customer expressly agrees otherwise.

Article 13 – Subscriptions

Where the purchased offer is a Subscription, its essential characteristics, billing frequency, price, initial duration and renewal conditions are indicated before the Order is placed.

Unless stated otherwise, the Subscription renews automatically for successive periods of the same duration.

The Customer is informed, under applicable law, of the option not to renew the Subscription before renewal takes effect. French consumer law contains specific rules on renewal and termination of consumer contracts.

The Customer may cancel their Subscription at any time from their online account where such functionality is available, or by any other means indicated on the website.

Cancellation takes effect at the end of the current paid period, unless a more favourable legal or commercial rule applies.

NEXORA sends confirmation of cancellation to the Customer on a durable medium within a reasonable time.

Article 14 – Use Restrictions

The Customer undertakes to use the website, the StixBNK interface, the services, content, checkout flows, payment journeys, APIs, technical modules and all elements made available by NEXORA in accordance with these Terms, applicable law and their intended purpose.

The Customer must not, directly or indirectly:

• copy, reproduce, distribute, assign, lease, rent, resell, sublicense or commercially exploit all or any part of the services or their components;
• circumvent, disable or attempt to circumvent security, authentication or access-limitation measures;
• reverse engineer, decompile, disassemble, translate, adapt or attempt to access source code, except where expressly permitted by mandatory law;
• introduce viruses, malware, harmful scripts or any element likely to impair the operation, integrity or security of the service;
• use the service for unlawful, fraudulent or abusive purposes, or in a way that infringes the rights of NEXORA, a Merchant partner, a Payment Partner, a bank or a third party;
• perform load testing, automated scans, abusive scraping, mass extraction of data or robotised use not expressly authorised by NEXORA.

Any breach of this Article may result in immediate suspension or termination of the relevant service or Account, without prejudice to any legal action or claim for damages.

Article 15 – Third-Party Services and Partners

In providing the services, NEXORA may rely on third parties, including technical providers, hosting providers, Payment Partners, open-banking partners, banks, authentication providers, fraud-prevention tools, KYC providers, infrastructure vendors and Merchant partners.

The Customer acknowledges that certain elements of the service or of transaction execution depend on systems, infrastructure, authorisations, procedures or conditions controlled by third parties.

Accordingly, NEXORA shall not be liable for:

• unavailability, refusal, delay or malfunction exclusively attributable to a third party;
• payment interruption or failure caused by the Customer’s bank, a Payment Partner, a payment initiation partner or a telecommunications network;
• the content, contractual terms or privacy policy applicable to third-party services;
• the performance of obligations falling exclusively on a Merchant partner, where clearly identified as such.

The use of third-party services may be subject to separate terms and conditions, which the Customer is invited to consult where relevant.

Article 16 – Security, Authentication and Unauthorised Access

Where access to a service, customer area or feature requires credentials, codes, secure links, passwords, one-time authentication factors or any other means of authentication, the Customer undertakes to keep them confidential and not disclose them to unauthorised third parties.

The Customer is responsible for actions carried out from their Account or using their credentials, except where fraudulent use is not attributable to the Customer.

The Customer must inform NEXORA as soon as possible of any loss, disclosure, suspected unauthorised access, fraud or misuse affecting their Account or authentication means.

For reasons relating to security, fraud prevention, legal compliance or protection of the Customer, NEXORA or third parties, NEXORA may temporarily suspend access to a service, Account or transaction without prior notice where the situation reasonably requires it.

Article 17 – Information and Content Provided by the Customer

The Customer undertakes to provide NEXORA with accurate, complete, sincere and up-to-date information in connection with an Order, Account creation, support request, refund request, security review or any verification required for contract performance.

Where the Customer submits documents, files, supporting evidence, messages, content, data or other information, the Customer warrants that:

• they have the necessary rights and authorisations to submit and use them for the intended purpose;
• such items do not infringe any third-party rights;
• they are not unlawful, fraudulent, misleading, malicious or technically harmful.

NEXORA reserves the right to refuse, suspend, delete or disregard any content or request that is manifestly unlawful, fraudulent, incomplete, technically dangerous or non-compliant with these Terms.

Article 18 – Legal Guarantees

The Customer benefits from the mandatory legal guarantees available under French law.

Where the sale concerns Digital Content or a Digital Service, NEXORA is liable for lack of conformity under the conditions set out in the French Consumer Code, which includes a dedicated regime for digital content and digital services.

Where the sale concerns goods, the Customer also benefits, where applicable, from the legal guarantee of conformity and the guarantee against hidden defects under the legal conditions in force.

Any request under the legal guarantees may be sent to: support@stixbnk.com

Article 19 – Support, Complaints and Commercial Refunds

For any question, complaint or request relating to an Order, the Customer may contact NEXORA at: support@stixbnk.com

Any request for a refund outside the legal right of withdrawal or outside the legal guarantees will be reviewed on a case-by-case basis in accordance with the commercial policy applicable to the relevant offer.

A refund may in particular be refused in case of:

• abusive or bad-faith use;
• fraud or attempted fraud;
• full consumption or completion of the service;
• a ground excluded by these Terms or by the specific conditions applicable to the offer.

Article 20 – No Professional Advice

Unless expressly stated otherwise, any information, content, indicators, messages, payment statuses, enriched data, interfaces or outputs made available through the services are provided for informational purposes only.

They do not constitute:

• legal advice;
• financial advice;
• banking advice;
• accounting advice;
• tax advice; or
• any personalised recommendation.

The Customer remains solely responsible for assessing whether the service is appropriate for their needs and, where appropriate, for consulting a competent professional.

Article 21 – Liability

NEXORA is liable, under the conditions provided by applicable French law, for direct and foreseeable damage resulting from a breach of its contractual obligations.

However, to the extent permitted by law, NEXORA shall not be liable for:

• indirect or non-material damage, such as loss of opportunity, loss of chance, commercial loss, reputational damage or business disruption, where such damage does not result from a breach of a mandatory legal obligation;
• consequences arising from use of the service contrary to these Terms, to the provided documentation or to its intended purpose;
• incompatibility between the service and the Customer’s equipment, software, browser, operating system or settings where the relevant prerequisites were correctly communicated;
• interruptions, delays, unavailability or malfunctions attributable to a third-party provider, Payment Partner, open-banking partner, bank, telecom operator, host or any third party outside NEXORA’s reasonable control;
• any refusal, blocking, strong customer authentication, rejection or delay imposed by a bank, payment provider or legal/regulatory requirement;
• damage resulting from unauthorised access to the Account or service where this results from negligence by the Customer in safeguarding credentials or authentication means;
• content, services, contractual commitments, products or performance falling exclusively within the scope of a Merchant partner or another clearly identified third party.

Nothing in these Terms excludes or limits any mandatory consumer rights, or NEXORA’s liability where such exclusion or limitation is prohibited by law.

Article 22 – Personal Data

NEXORA processes the Customer’s personal data in accordance with its Privacy Policy, available at: https://stixbnk.com/pages/privacy.php

Personal data are processed in particular for:

• order management;
• provision of the service;
• invoicing;
• fraud prevention;
• customer support;
• compliance with legal and regulatory obligations.

The Customer has the rights granted by applicable personal data protection laws.

For any question relating to personal data, the Customer may contact: privacy@stixbnk.com

Article 23 – Intellectual Property

All elements of the website, the StixBNK interface and related services, including texts, visuals, graphics, logos, databases, software, interfaces, trademarks, designs and content, are protected by intellectual property rights.

Unless expressly authorised in writing by NEXORA or the relevant rights holder, any reproduction, representation, adaptation, extraction or exploitation, in whole or in part, is prohibited.

No transfer of intellectual property rights takes place by virtue of these Terms or the Customer’s use of the services.

Article 24 – Feedback and Suggestions

Where the Customer sends NEXORA any suggestions, ideas, comments, proposals for improvement, user feedback or opinions relating to the services, functionalities or interfaces of StixBNK, the Customer authorises NEXORA to use, reproduce, adapt and exploit them free of charge for the purposes of improving, developing, promoting or operating its services, subject to compliance with personal data rules and any confidential information obligations.

Article 25 – Force Majeure

NEXORA shall not be held liable for any non-performance, delay or disruption resulting from an event beyond its reasonable control, including without limitation:

• force majeure events;
• network incidents;
• cyberattacks;
• large-scale infrastructure failures;
• power outages;
• banking blocks;
• acts or omissions of critical service providers;
• administrative or judicial decisions;
• legal or regulatory changes requiring immediate adaptation;
• interruption or failure of an essential third-party partner.

Article 26 – Maintenance, Evolution and Modification of Services

NEXORA may correct, update, evolve, suspend temporarily or modify all or part of the website, the StixBNK interface, payment flows, functionalities, authentication methods, technical access methods or services, in particular for technical, security, maintenance, regulatory, contractual or service-improvement reasons.

Where such changes materially affect an ongoing service, NEXORA will inform the Customer by appropriate means within a reasonable time, unless urgency, security constraints or legal obligations prevent prior notice.

The Customer acknowledges that some maintenance or evolution operations may result in temporary interruptions, slowdowns or limited availability.

Article 27 – Notifications and Communications

NEXORA may send the Customer, by email, through the online account, by in-product notification or by any other appropriate durable medium, any communication relating to:

• the Order;
• payment;
• service performance;
• Account security;
• suspicion of fraud;
• cancellation;
• refund;
• changes to these Terms;
• any information required by law.

The Customer undertakes to keep their contact details up to date.

Certain communications relating to contract performance, security or legal obligations are necessary and cannot be opted out of for as long as the contractual relationship remains in force.

Article 28 – Suspension and Termination by NEXORA

NEXORA may suspend, restrict or terminate, by operation of law and with immediate effect, all or part of access to the service, an Account, a transaction or an offer in case of:

• fraud or attempted fraud;
• unlawful, abusive or non-compliant use;
• false, inaccurate or misleading information;
• legitimate suspicion of a security compromise;
• non-payment or payment incident;
• a legal or regulatory obligation requiring suspension;
• conduct harming the interests, security or reputation of NEXORA, a Merchant partner or a third party.

Where possible and compatible with security requirements or legal obligations, NEXORA will inform the Customer of the suspension or termination and its reasons within a reasonable time.

Suspension or termination under this Article does not prevent NEXORA from claiming any sums due or from taking legal action to seek compensation.

Article 29 – Partial Invalidity

If any provision of these Terms is declared invalid, void or unenforceable, the remaining provisions shall remain in full force and effect.

Article 30 – Consumer Mediation

In the event of a dispute, the Customer is invited to contact NEXORA’s customer support first in order to seek an amicable solution.

In accordance with the French Consumer Code, consumers must be given effective access to a consumer mediation scheme for disputes relating to contract performance.

Les litiges entre NEXORA SASU et le consommateur peuvent par ailleurs être résolus par un médiateur à la consommation (L.611-1 – L.616-3 et R.612-1 à R.616-2 du Code de la consommation), à ce titre NEXORA SASU met à votre disposition le médiateur de la FEVAD dont les coordonnées sont les suivantes : 60 Rue La Boétie – 75008 Paris – http://www.mediateurfevad.fr

Article 31 – Governing Law and Competent Courts

These Terms are governed by French law.

In the event of a dispute, and failing amicable resolution or mediation where applicable, jurisdiction shall be determined by the ordinary rules of French law.

For consumers, any mandatory protective rules regarding territorial jurisdiction remain fully applicable.

Article 32 – Contact

NEXORA SASU
195 RUE PIERRE ET MARIE CURIE
27310 BOURG-ACHARD
France

Email: support@stixbnk.com
Website: https://stixbnk.com

© 2026 NEXORA SASU. All rights reserved.