Bilanea

Terms

Terms of service and sale

By creating an account you accept the terms below. They are written to be read: each section describes what you can expect from the service and what we expect from you.

1. Purpose and access to the service

Bilanea provides an online company financial analysis service based on accounting documents, as well as a marketplace connecting sellers and buyers. The service is reserved for professionals and persons acting in a professional capacity. The user warrants holding the necessary rights over the documents they upload.

2. Account and organisation

Each user has a personal account attached to one or more organisations. The owner of an organisation is responsible for the members they invite and the roles they assign. Credentials are strictly personal; any activity performed from an account is deemed performed by its holder.

3. Credits, subscriptions and billing

Each analysis consumes one credit. An organisation's first analysis is free. Credits bought in packs never expire; credits included in a subscription are topped up every month and do not roll over. Subscriptions have no commitment and can be cancelled at any time, effective at the end of the paid period. Prices exclude tax. An analysis that failed for a cause attributable to the service is automatically re-credited.

4. Nature of the results

Reports are produced by a deterministic computation engine from the submitted documents, complemented where applicable by AI-assisted extraction or writing, flagged as such. They are a decision aid and not investment advice, a certified appraisal or a financing commitment. The user remains solely responsible for their use and for the decisions they make.

5. Marketplace

  • The seller warrants the accuracy of the documents provided and the absence of identifying information in the public part of the listing; listings are reviewed before publication and may be refused
  • Publication is included in subscriptions for a number of simultaneous listings, otherwise billed at the current rate
  • The electronically signed non-disclosure agreement binds the buyer towards the seller; Bilanea keeps the proof of signature
  • An offer is committed with a reservation deposit collected on a secured payment account; it is refunded if the seller declines the offer or if the file is cancelled by mutual agreement, and deducted from the price at signing
  • A 3% success fee on the sale price is due by the seller at the final signing of a transaction initiated on the platform, including if it closes off-platform within twelve months
  • Bilanea is not a party to the sale and provides no legal advice; the parties remain free to use their advisors

6. Data and confidentiality

Documents and reports remain the property of the user. Bilanea processes them only to provide the service, in accordance with the privacy policy, and does not use them to train models. The user may delete them at any time.

7. Availability, liability and termination

The service is provided with a 99.5% availability target excluding planned maintenance. Bilanea's liability is limited to the amounts paid over the last twelve months. Bilanea may suspend an account in case of breach of these terms, in particular fraudulent use of the marketplace. The user may delete their account at any time; payment obligations arising before termination remain.