Terms applicable to the introductory meeting booked and paid for online through Calendly. French law applies; this English version is provided for convenience, and the French version prevails in case of discrepancy.
1. Purpose and scope
These general terms of sale (the “Terms”) govern the booking and delivery of the introductory meeting offered by paro conseil SAS (the “Firm”) through its online scheduling tool (Calendly), and its online payment. They apply to every booking, unless otherwise agreed in writing with the client.
The client acknowledges having read the Terms before booking and accepts them by ticking the box provided on the booking page. This acceptance is recorded with the booking.
The Terms do not govern investment advisory work, which is covered by a separate client entry document and engagement letter (see Article 9).
2. Identity of the provider
paro conseil SAS, a company with a share capital of €2,000, registered with the Paris Trade and Companies Register under number 920 130 457, with its registered office at 60 rue François 1er, 75008 Paris (administrative address: the Firm does not receive clients there). Contact: via the contact form on this website.
paro conseil operates as an independent investment advisor (conseiller en investissements financiers, CIF), registered with ORIAS under number 26000702 (www.orias.fr). The Firm is a member of CNCEF Patrimoine, a professional association approved by the French financial markets authority (AMF), and its CIF activity is subject to AMF supervision (17 place de la Bourse, 75082 Paris cedex 02).
The Firm holds professional liability insurance with AIG (policy no. AIPIR300023).
3. Description of the service
The introductory meeting is a conversation by video call or phone, of the duration shown on the booking page. Its purpose is to understand your patrimonial situation and objectives, to explain the main asset classes and French savings wrappers (for example PEA, assurance-vie, PER, securities account), and to determine whether, and how, the Firm can help you.
After the meeting, the Firm provides, within an indicative period of one week, a one-to-two-page scoping document setting out the needs identified, how the Firm can address them, and the cost of any follow-on advisory work.
The introductory meeting is not personalised investment advice. No personalised recommendation concerning an institution, a product or a financial instrument is given in this context. The explanations are general and educational in nature.
4. Price and payment
The price of the meeting is the price shown on the booking page at the time of booking, from €150 including VAT, VAT at the prevailing rate included. It is payable in euros, in full and immediately, by bank card at the time of booking.
Payment is processed by the payment provider Stripe, through Calendly. The Firm has no access to your card details. The booking is confirmed only once payment has been received. An invoice is sent to the client by email.
5. Deduction from advisory fees
If, following the meeting, the client chooses to engage the Firm for advisory work, 100% of the amount (including VAT) paid for the meeting is deducted from the amount (including VAT) of the advisory fee, provided the advisory engagement is entered into within twelve (12) months following payment for the meeting. This deduction is a commercial gesture: no refund is due if the advisory engagement is not entered into.
6. Rescheduling and cancellation
The client may reschedule or cancel the appointment free of charge up to twenty-four (24) hours before the scheduled time, using the link in the confirmation email. If cancelled within this period, the price paid is refunded to the original payment method; if rescheduled, it carries over to the new slot.
After this period, or if the client does not attend, the price remains due and is not refunded, except in cases of force majeure or with the Firm’s agreement. If the Firm cancels or needs to move the appointment, the client may choose between a new slot and a full refund.
7. Right of withdrawal (consumer clients)
Where the client is a consumer, they have fourteen (14) days from the conclusion of the contract, that is, from the paid booking, to withdraw without giving any reason. They may do so by any unambiguous statement sent to the Firm through the contact form, or by using the template below.
Performance before the end of the period. The client may expressly request that the meeting take place before the withdrawal period expires, by ticking the box provided when booking. They then acknowledge that, if the service is fully performed before the end of the period, they lose their right of withdrawal. If they withdraw after requesting that performance begin but before it is complete, they will pay an amount proportionate to what has been provided up to the time they communicated their decision to withdraw.
If withdrawal is validly exercised, the Firm refunds the client, less any proportionate amount mentioned above, no later than fourteen (14) days after receiving the decision, using the same payment method.
The right of withdrawal does not apply to clients acting for professional purposes, in particular where the service is invoiced to a company.
Withdrawal template: “To paro conseil SAS, 60 rue François 1er, 75008 Paris. I hereby give notice of my withdrawal from the contract for the service ‘introductory meeting’ booked on [date], for which I paid [amount]. Client name: [ ]. Email: [ ]. Date: [ ].”
8. Obligations and liability
The client undertakes to provide accurate and complete information and to be available at the time of the appointment. The Firm has an obligation of means. Investment or wealth management decisions made by the client remain the client’s own, and the Firm cannot be held liable for decisions made solely on the basis of the general explanations given during the meeting.
9. Follow-on advisory work
Any investment advisory work is separate from the introductory meeting. It is entered into separately, after delivery of the client entry document, collection of the client’s investor profile and signature of an engagement letter setting out its scope and fees. Advisory fees are presented on the Fees page.
10. Personal data
Data collected at booking (identity, contact details, answers to the form questions) is processed by the Firm to manage the appointment, process payment, issue the invoice and comply with its legal obligations. It is processed through Calendly and Stripe, as service providers. For more information and to exercise your rights, see the privacy policy (in French).
11. Complaints and mediation
In the event of a complaint, the client is invited to contact the Firm through the contact form. The Firm undertakes to acknowledge receipt within a maximum of ten (10) working days and to respond within a maximum of two (2) months of sending.
Failing an amicable solution, the client may refer the matter free of charge to a consumer mediator within two (2) months of sending a first written complaint: for CIF activities, Ms Marielle Cohen-Branche, AMF Mediator, Autorité des marchés financiers, 17 place de la Bourse, 75082 Paris cedex 02 (www.amf-france.org/fr/le-mediateur). For disputes with a legal entity, the CNCEF Mediator, 8 rue du Faubourg Poissonnière, 75010 Paris.
12. Governing law and jurisdiction
The Terms are governed by French law. If mediation fails, the dispute may be brought before the competent courts. A consumer client may bring proceedings before the court with territorial jurisdiction under the applicable provisions of the French Code of Civil Procedure or before the court of the place where they lived when the contract was concluded.
13. Retention and changes
The Terms in force are those applicable on the date of booking. They are sent to the client by email after booking so that they can be kept. The Firm may amend them at any time; amendments do not apply to bookings already confirmed.
Version in force as of 11 October 2026.