Essentials Terms and conditions Terms and Conditions of Use of the Sumeria Web Application for Individuals

Terms and Conditions of Use of the Sumeria Web Application for Individuals

General provisions

Introduction

This version of Terms and Conditions is applicable as of April 2, 2024.

Definitions

For the purposes of applying and interpreting these Terms and Conditions, words and expressions beginning with a capital letter shall, notwithstanding any definition given in another document, have the meanings set out below, whether used in the singular or in the plural:

“ACPR” means the French Prudential Regulation Authority (“Autorité de Contrôle Prudentiel et de Résolution”).

“Mobile Application” means any mobile application published by Lydia Solutions, for individuals, available for download from application stores (list available on the Lydia Solutions website), for compatible devices and operating systems. An active internet connection is required for its operation.

“Web Application” or “Sumeria Web Application” means the application interface published by Lydia Solutions accessible via web browsers from the website www.sumeria.eu that allows Customers to access their Personal Accounts in accordance with the procedures provided for by these Terms and Conditions.

“Authentication” means the procedure which allows Lydia Solutions to verify the access rights or validity of the use of a specific payment instrument, including the use of the Customer’s personalized Security Data.

“Strong Authentication” means authentication measures based on the use of two (2) or more elements categorized as “knowledge” (something only the Customer knows), “possession” (something only the Customer possesses) and “inherence” (something the Customer is) and that are independent, in that the breach of one does not compromise the reliability of the others, and is designed in such a way as to protect the confidentiality of the authentication data.

“Card” means the international systematic authorization Visa payment card issued by Lydia Solutions to the Customer, linked to the payment account and governed according to the provisions of the Card Agreement depending on the offer the Customer subscribed to.

“Customer” means the natural person, of legal age and capacity, acting for strictly non-professional purposes in the context of these Terms and Conditions accepted by the Customer having created a Personal Account.

“Personal Account” means the individual account that the Customer has the option to create when signing up on the Mobile Application allowing the Customer to access all data that are relevant to them stored by Lydia Solutions as well as all the functionalities of said account from the Web Application in accordance with the procedures provided for by these T&Cs, after identification with their Personalized Security Data.

“Electronic Money Account” means the electronic money account governed by the Electronic Money Account Agreement opened in the books of Lydia Solutions in the name of the Customer.

“Payment Account” means the payment account governed by the Payment Account Agreement opened in the books of Lydia Solutions in the name of the Customer. 

“Terms and Conditions” means this document.

“Content” is as defined in Article 18 of these Terms and Conditions. 

“Personalized Security Data” means all personalized data defined either by the Customer or by Lydia Solutions for Authentication purposes (e.g., login information, password, confidential code, TouchID, FaceID, Samsung biometry, etc.).

“IBAN” (“ International Bank Account Number“) means the details used to uniquely identify the use of the services described in the Lydia Electronic Money Account Agreement or the Lydia Payment Account Agreement.

“Partner(s)” is as defined in Article 1.2 of these Terms and Conditions.

“Party(ies)” means, individually, the Customer or Lydia Solutions and, collectively, the Customer and Lydia Solutions.

“Wallet” means the account linked to the Payment Account or to the Electronic Money Account on which the Customer’s money is stored, as well as any sub-account created if applicable, that they shared in accordance with the procedures and limits provided for either by the Payment Account Agreement or the Electronic Money Account Agreement. 

The French version of this document prevails over the English version.

Article 1: Introducing Lydia Solutions and its Partners

Lydia Solutions is a French simplified joint-stock company (société par actions simplifiée) with share capital of 1,786,707 euros, registered with the Paris Trade and Companies Register under the number 534479589, having its registered office at 14 rue Presbourg, 75001 Paris, France.

Lydia Solutions is authorized as an electronic money institution authorized to provide payment services under the supervision of the ACPR. The authorization granted to Lydia Solutions can be verified at www.regafi.fr and https://euclid.eba.europa.eu/register.

1 – Lydia Solutions Partners

Lydia Solutions partners act namely as investment service providers, financing companies or credit institutions. As such, they are authorized to offer their services to the Customer (hereinafter, the “Partner(s)“). 

The Customer acknowledges and accepts that the services made available by Lydia Solutions as part of their Personal Account are provided to the Customer only because of and within the framework of its contractual relationship with Lydia Solutions.

Article 2: Purpose

The purpose of these Terms & Conditions is to define the terms and conditions applicable to the connection, functioning and use of the Personal Account by the Customer from the Web Application.

Apart from the costs linked to the provision of an internet connection that remains the Customer’s responsibility, the connection to the Web Application is free and allows the Customer to access their Personal Account with the procedures provided for by these T&Cs.

Access to the Personal Account from the Web Application is securely provided by Lydia Solutions for the Customer only.

Article 3: Relations between the Customer and Lydia Solutions

1 – Acceptance of the Terms and Conditions 

Connection to their Personal Account and its usage via the Web Application imply full acceptance to these Terms and Conditions by the Customer, which they acknowledge and accept.

In other words, it is the Customer’s duty to read these Terms and Conditions prior to any connection to their Personal Account from the Web Application.

2 – Interpretation

Any reference to a provision of law means such provision as may be amended, replaced or codified to the extent that such amendment, replacement or codification applies or is likely to apply to the services described in the Terms and Conditions.

References made to an individual shall include their successors in title, assigns and permitted transferees. 

The headings of the Articles of these Terms and Conditions are provided for information only and shall not be taken into account in the interpretation of the Electronic Money Account Agreement or Payment Account Agreement.

In addition, any failure by one of the Parties to act on a breach by the other Party of any one of its obligations set out in these Terms and Conditions during the commercial relationship cannot be interpreted as an abandonment of the obligation in question.

3 – Connection to the Personal Account

To log in to the Personal Account from the Web Application, the Customer must enter the same Personalized Security Data they use to access the Mobile Application. 

A Personalized Security Data (ex. security code linked to a series of different figures) will be sent out to the electronic device where the Customer downloaded the Mobile Application that was recognized by Lydia Solutions following Strong Authentication measures. As such, the Customer acknowledges and accepts this Personalized Security Data cannot be disclosed by the Customer to any third party and grants them access to their Personal Account from the Web Application.

Once logged in to their Personal Account, the Customer can use the functionalities linked to the Personal Account as described in Article 4 of these Terms and Conditions for an indefinite period. When this period expires, the Client is automatically disconnected for security reasons.

4 – Online access to the Personal Account

The online access to the Personal Account from the Web Application is subject to Strong Authentication via the Mobile Application. The Customer acknowledges and accepts that any connection to their Personal Account from the Web Application via the entry of their Personalized Security Data information constitutes a written document within the meaning of Article 1365 of the French Civil Code.

5 – Strong Authentication

Pursuant to the applicable regulations, Lydia Solutions applies Strong Authentication measures via the Mobile Application when the Customer remotely accesses their Personal Account via the Web Application.

Lydia Solutions reserves the right to waiver the obligation to apply Strong Authentication measures in those cases expressly referred to by the applicable regulations and, in particular, the regulatory technical standards concerning Authentication and communication.

Article 4: Personal Account functionalities

The Personal Account functionalities, accessible via the Sumeria Web Application, include the following: 

  • view the details of the transactions registered in the Wallets: this functionality allows the Customer to (i) access information relating to the IBAN linked to the Wallet, (ii) download the bank details of any Wallet, and (iii) download the transaction statements for each designated Wallet
  • download bank details: this functionality allows the Customer to download the bank details of any Wallet with an active IBAN
  • download transaction statements: this functionality allows the Customer to download any monthly transaction statement provided by Lydia Solutions relating to their Payment Account or Electronic Money Account from the moment they were created
  • block Card(s): this functionality allows the Customer to block any Card in their possession (whether physical or virtual)
  • access the emergency chat: this functionality allows the Customer to access an emergency chat using a widget or communicating directly with Lydia Solutions customer service

The Customer can also use the following functionalities: 

  • log in and out of the Personal Account (including an automatic log out once the period defined by Lydia Solution has expired)
  • view the transaction history: this functionality allows the Customer to view the transaction details registered on their Electronic Money Account or their Payment Account and download this history in PDF format if needed
  • view the balance of each Wallet
  • view the security screen and/or the Personal Account: this functionality allows the Customer to block their Personal Account for security reasons.

Article 5: Customer representations and obligations

1 – Customer representations

The Customer represents that they are an adult natural person acting for non-professional needs, on their own behalf and in their own interest, and acknowledges and accepts that the services provided herein cannot under any circumstances be provided to them in the context of the performance of any business involving commercial, industrial, craft, professional or agricultural activities. 

The Customer has and must retain full legal capacity throughout the term hereof. The Customer also represents that they are not the subject of any ban imposed by law or court order during the term of these Terms and Conditions.

The Customer represents that all information provided by the latter to Lydia Solutions is and shall remain accurate for the duration of these Terms and Conditions. The Customer also undertakes to respond to any request to update this information issued directly by Lydia Solutions or any Partners. Lydia Solutions shall not be held responsible for the consequences in the absence of an update. 

It is the Customer’s responsibility to inform Lydia Solutions in writing of any change relating to their status as a user of Lydia Solutions services, in particular in the event of a change in their contact details (telephone number, address, e-mail), professional activity, civil status, capacity, marital status, nationality, personal address (home, tax and mailing address), identification elements concerning their possible authorized representative and status (in particular in the event of acquisition of the status of citizen of the United States of America or of a “Green Card”).

Lydia Solutions further reminds the Customer that their Personal Account and Electronic Money Account or Payment Account are strictly personal. Any loan or disposal thereof is strictly prohibited. Any assignment, rental, loan or transfer of an account to a third party is strictly prohibited and will result in the termination of these Terms and Conditions as well as the withdrawal of the Customer’s access to all services offered by Lydia Solutions, without notice.

2 – Customer obligations

The Customer undertakes to respect these Terms and Conditions, as well as all laws and regulations applicable to the access and/or usage of the Web Application and Personal Account.

The Customer is reminded that all Personalized Security Data required to log in to their Personal Account is strictly confidential. In other words, the Customer shall refrain from sharing them by any means whatsoever with a third party, including anyone impersonating a Lydia Solutions employee considering Lydia Solutions would never ask for such Personalized Security Data. In any case, the Customer is fully responsible for the conservation of this Personalized Security Data in perfectly safe and confidential conditions as well as for their usage by a third party.

The Customer also undertakes to keep all documents and/or information that are sent to them by Lydia Solutions via their Personal Account confidential.

The Customer is also informed that fraudulently accessing or remaining in a computer system, fraudulently introducing or modifying data in a computer system or impeding or distorting the functioning of a computer system is punishable as a criminal offence.

In any event, the Client is prohibited from: 

  • using or allowing for their Personal Account to be used illegally, maliciously, fraudulently or abusively (ex. hacking of the Web Application and/or the Personal Account)
  • bypassing in any capacity the means implemented by Lydia Solutions to ensure the security of Web Application and the Personal Account
  • damaging, compromising, overloading, disrupting or threatening the security and/or functioning of the Personal Account and/or the Web Application, or more generally any Lydia Solutions operating and/or computer system (including the Mobile Application)
  • impeding, perverting or harming the normal functioning or fraudulently using the Personal Account and/or the Web Application in any way or form whatsoever.

Any breach of the obligations of this Article may result in suspending the provision of all or part of the Personal Account and/or the Web Application for the Customer, or in closing their Personal Account in accordance with the procedures provided in Article 8 of these T&Cs, without prejudice to potential legal action.

The Customer shall notify Lydia Solutions without delay of any fraudulent use of their Personal Account by a third party they might deem abusive and/or inconsistent with these Terms and Conditions using one of the following communication channels: 

  • via email at: contact@sumeria.eu 
  • via letter sent to: Lydia Solutions, Customer Services, 14 avenue de l’Opéra, 75001 Paris, France

Regulations applicable to Lydia Solutions

Article 6: Data protection

As part of the business relationship, Lydia Solutions, acting in its capacity as data controller, may collect personal data related to the Customer. The Customer has a right to access, rectify and erase their data, to limit the processing thereof and to their portability. The Customer also has the right to object to processing for reasons related to their particular situation and the right to object at any time to the processing of their data for marketing purposes. 

Customers may exercise their rights over data and contact the Lydia Solutions Data Protection Officer as follows:

  • via letter sent to: Lydia Solutions, Data Protection Officer, 14 avenue de l’Opéra, 75001 Paris, France
  • via email at: dpo@isbs.eulydia-app.com

Information on data processing can be found in the Privacy Policy which is available to the Customer on the website https://www.sumeria.eu.

Modification – Term – Closure of the Personal Account

Article 7: Modification

Lydia Solutions reserves the right to modify these Terms and Conditions at any time. The Customer shall be deemed to have accepted these with each new connection to the Web Application.

On the other hand, any legislative or regulatory measure, such as any interpretation of a legal or regulatory rule by a competent authority, which could have the effect of modifying all or part of these Terms and Conditions, will be immediately applicable upon coming into force.

Article 8: Term – Closure of the Personal Account

1 – Term

These Terms and Conditions have been agreed by the Customer for an indefinite period. 

2 – Termination at the initiative of the Customer

The Customer may at any time and without cause request the closure of their Personal Account via one of the following communication channels: 

  • directly from the Mobile Application or the Personal Account
  • via email to customer service at contact@sumeria.eu
  • via letter sent to: Lydia Solutions, Customer Services, 14 avenue de l’Opéra, 75001 Paris, France

The Customer acknowledges and accepts that any request to close their Personal Account shall take effect one (1) month after receipt of their request by Lydia Solutions and result in the closure of their Payment Account or Electronic Money Account. For consequences relating to the closure of the Payment Account or the Electronic Money Account, the Customer is invited to consult the Payment Account Agreement or the Electronic Money Account Agreement.

3 – Closure at the initiative of Lydia Solutions

Lydia Solutions may at any time and without notice suspend, block or close the Personal Account if the Customer is in breach of their obligations towards Lydia Solutions, in particular in one of the cases below: 

  • termination at the initiative of Lydia Solutions, for any reason, of the Payment Account Agreement or the Electronic Money Account Agreement
  • failure to comply with the Customer’s obligations under the applicable regulations and/or the Terms and Conditions (in particular, with regard to the publication of illegal Content), or in the event of the Customer’s actions listed in the List of Prohibited Activities

As such, the Customer acknowledges and accepts that any closure of the Personal Account will also have the effect of closing the Payment Account and/or the Electronic Money Account due to the termination of the Payment Account Agreement and/or the Electronic Money Account Agreement, it being recalled that the said termination will be pronounced due to the fault attributable to the Customer, without prejudice to any recourse that Lydia Solutions may exercise for the purpose of enforcing its rights and protecting its interests.

Miscellaneous

Article 9: Liability

The Customer acknowledges that they have sole liability for the use of their Personal Account and its functionalities from the Web Application, including the use made by a third party.

The Customer is strongly recommended to follow the vigilance recommendations made by Lydia Solutions concerning the use of their Personal Account and its features from the Web Application, in particular: 

  • to take all necessary security precautions to ensure the confidentiality and retention of their username and password, it being recalled that the Customer is the guardian of the latter and retains solely responsibility for their use, including in particular any connection to their Personal Account made via the Web Application
  • to remain the sole user of their Personal Account via the Web Application by preventing any third party from making use thereof on behalf of the Customer or in place of the latter.

As such, the Customer acknowledges and accepts full responsibility for any consequences, direct or indirect, that could result from a lack of notification or late notification on their part following the loss or theft of their username and/or password or, in general, any fraudulent use of their Personal Account via the Web Application by a third party.

In any event, Lydia Solutions shall not be liable for circumstances or events that are unforeseeable and/or beyond its control and/or volition, such as: 

  • any cyber-attack, including in particular any unexpected interruption or worms or bugs or viruses in the Web Application and/or the Personal Account (e.g. denial of service (DDoS))
  • any malfunction, interruption or suspension of the Personal Account and/or the Web Application or any damage or loss of data that may or may not result from fraudulent or unauthorized intrusion by a third party having resulted in the deletion or modification of all or part of the information made available to the Customer on the Web Application and/or their Personal Account,
  • any momentary difficulty or impossibility, temporary or not, to access the Web Application and/or the Personal Account due to disruptions caused by third parties or their respective environments (e.g., Internet service providers, telecommunications networks, etc.)
  • any unauthorized or fraudulent use of the Personal Account and/or the Web Application resulting from a consensual or non-consensual disclosure of the Customer’s data and/or Personalized Security Data

The Customer is also informed that Lydia Solutions may interrupt, suspend or modify the Web Application for maintenance purposes, and will make its best efforts to give advance notice of such maintenance operations via a general information message on the Web Application or, as applicable, by any other method. This interruption, suspension or modification cannot in any way trigger the liability of Lydia Solutions and does not generate any right to compensation.

In addition, the Customer acknowledges that they have been informed of the characteristics and limits of the Internet network, including its technical performance. Therefore, Lydia Solutions cannot under any circumstances be held liable for the reliability of the data, access or response times, any restrictions on access to the Internet or the networks connected to it. Lydia Solutions cannot be held liable in the event of interruption of the networks providing access to the Web Application or the total or partial unavailability of the Web Application resulting from an interruption by a telecommunications operator or in the event of a transmission error or problems related to the security of transmissions, in the event of a failure of the Customer’s reception equipment or telephone line.

Article 10: Force majeure

Lydia Solutions shall have no liability in the case of an event of force majeure as defined in Article 1218 of the French Civil Code and according to the interpretation adopted by the case law of the French Supreme Court (Cour de cassation).

Article 11: Assignment

These Terms and Conditions and all rights and obligations relating thereto may not be assigned, in whole or in part, by the Customer, whether in return for payment or free of charge. 

Lydia Solutions reserves the right to assign these Terms and Conditions and all or part of the rights and obligations relating thereto to any third party institution provided that the latter has the necessary authorizations to provide the Customer with the electronic money services and/or payment services provided for herein.

Article 12: Language – Governing law – Jurisdiction

The French language is used in all pre-contractual and contractual relations as well as for any communication between the Customer and Lydia Solutions.

These Terms and Conditions as well as the pre-contractual relationship are subject exclusively to French law. In the event of a translation, only the French version of these Terms and Conditions shall prevail between the Parties. 

Jurisdiction is granted to the courts in France.

Article 13: Severability

If any one of the provisions of these Terms and Conditions is invalid or unenforceable under the law and regulations, it will be deemed unwritten. However, this shall not affect the validity or enforceability of the other provisions of these Terms and Conditions and, in any case, it shall not impact the continuity of the contractual relationship unless this Article is likely to modify the subject of these Terms and Conditions.

Article 14: Death

The death of the Customer brings these General Terms and Conditions to an end.

Article 15: Lydia Solutions capacity as host entity

Lydia Solutions hosts public communication areas allowing, in particular, Customers and members to participate in chat rooms, instant messaging systems, and to disseminate Content, as defined in Article 18 below of these Terms and Conditions. These public communication areas are places of free discussion over which Lydia Solutions has no control and where only Customers can publish. Therefore, Lydia Solutions cannot be considered as having the capacity of content publisher but rather exclusively as the host which consists in making available to the Customers technical means allowing the direct and permanent storage of information intended to be communicated to the public. To do this, Lydia Solutions complies with the definition provided in Article 6.I.2 of Law No. 2004-575 of 21 June 2004 on trust in the digital economy (“LCEN law“). 

Paragraph 5 of I of Article 6 of the LCEN law states that:

“Knowledge of the disputed facts is presumed acquired by the persons designated in 2 (of Article 6 I 2 of the LCEN law, that is to say the hosts) when they are notified of the following elements: the date of notification; if the notifier is a natural person: their surname, given names, profession, domicile, nationality, date and place of birth; if the applicant is a legal person: its form, name, registered office and the body representing it legally; the name and domicile of the recipient or, in the case of a legal person, its name and registered office; a description of the disputed facts and their precise location; the reasons why the content must be removed, including the mention of the legal provisions and justifications of facts; a copy of the correspondence addressed to the author or publisher of the disputed information or activities requesting their interruption, withdrawal or modification, or the justification that the author or publisher could not be contacted”. 

Immediately upon being informed of the allegedly unlawful or unscrupulous nature of any given Content under the conditions provided for in Article 6, I, para. 5, of the LCEN law as indicated above, Lydia Solutions shall promptly implement the necessary measures to ensure that the Content is no longer accessible. These measures may range from the removal of Content to a temporary or even definitive ban preventing the Customer from using the Service concerned in view of the seriousness and repetitive nature of the breaches observed. Lydia Solutions also does not carry out any general oversight of Content beyond its contribution to the suppression of, in particular, apologist content relating to crimes against humanity, incitement to racial hatred, as well as child pornography, incitement to violence, in particular incitement to violence against women, and attacks on human dignity in accordance with the provisions of Article 6, I, para. 7, of the LCEN law. 

In addition, Lydia Solutions is in no way responsible for the Content it hosts. Lydia Solutions, in its capacity as Content host, shall have no liability or responsibility for the activities or information stored at the Customer’s request if it was not actually aware of their unlawful nature or of the facts and circumstances giving rise to this nature or if, once made aware of such Content, it then acted promptly to remove such information or block access thereto. In this regard, Lydia Solutions reserves the right to withdraw or suspend access to any Content following the receipt of a notification or if it is actually aware of the manifestly unlawful nature of the Content. Lydia Solutions shall have no liability whatsoever as a result of this withdrawal. Lydia Solutions has no liability of any kind whatsoever if the Content is shared by the Customer.

Article 16: Intellectual property, cookies and links

1 – Intellectual property

Lydia Solutions grants the Customer a personal and exclusive right that cannot be assigned or transferred but may be terminated covering the use of the Lydia Solutions mobile applications, APIs and Lydia Solutions Web Application for the sole purpose of using the Lydia Solutions service. The Customer acknowledges that the sole use of these Lydia Solutions mobile applications, APIs and Lydia Solutions Web Application does not allow it to claim intellectual property rights of any kind over them. Lydia Solutions retains exclusive ownership of the rights attached to the Lydia Solutions mobile applications, APIs and Lydia Solutions Web Application, as well as all of their content, including the names, trademarks, domain names, logos or other distinctive signs held thereby. Reproduction of these elements is permitted for information only or for strictly private use.

2 – Cookies

When using the Web Application, information relating to the Customer’s navigation may be stored in files known as Cookies installed on the Customer’s terminal (e.g., computer, tablet, smartphone), subject to the cookies choices recorded which may be modified by the Customer at any time.

Information regarding the processing of cookies can be found in the Policy on the use of trackers and cookies.

3 – Links

The Web Application and, where applicable, these Terms and Conditions may contain links which take the Customer through to the Web Application and/or the sites of Lydia Solutions Partners or third party sites.

The Customer acknowledges and accepts that Lydia Solutions does not exercise any control over the sites of Lydia Solutions Partners and shall not be held responsible for any unavailability of the latter or for the content, advertisements, products or services accessible from or via the sites of the Lydia Solutions Partners or sites belonging to third parties.

In this respect, the Customer remains responsible for their browsing on the sites of Lydia Solutions Partners and/or third parties and it is their responsibility to contact them directly if necessary.

Article 17: Content description

The Customer undertakes to comply with the laws and regulations in force and not to infringe the rights of third parties, and, in particular:

(a) that the Content does not in any way infringe the rights that third parties, natural persons or legal entities, may hold in particular in terms of industrial property, copyright or related rights, the sui generis right applicable to databases, image rights or the right to privacy (b) not to publish Content that (i) is discriminatory, abusive, defamatory or racist, indecent, (ii) is violent or pornographic in nature, (iii) constitutes an apology for crimes against humanity, a denial of genocide, an incitement to violence, racial hatred or child pornography, (iv) is likely to harm users in any way, to induce them to endanger themselves in any way, or (v) is likely by its nature to offend respect for the human person, human dignity, gender equality or the protection of children and adolescents The Customer also undertakes not to publish Content encouraging the perpetration of crimes and/or offences or encouraging the use of prohibited substances, Content containing incitement to discrimination, hatred or violence. 

The Customer is informed that storing or disseminating by any means whatsoever, on any medium, Content of a violent or pornographic nature or likely to cause serious harm to human dignity is punishable by a three year prison sentence and a fine of €75,000 when this Content is likely to be seen or observed by a minor. 

The Customer is informed that, in all these cases, Lydia Solutions will provide, upon request from a judicial authority, all the information allowing or facilitating the identification of the Customer as well as the IP addresses and connection times if still in its possession. The Customer is also informed that Lydia Solutions reserves the right to disclose to the relevant authorities any Content that is manifestly illegal.

Article 18: Services for the circulation of the Content submitted by the Customer

Some services offer the Customer the possibility to personalize the Mobile Application as well as public communication areas allowing them to upload an avatar, a profile photo and wallpaper, to participate in chatrooms, to add comments, articles, images and messages of any kind (hereinafter, collectively, the “Content”), made available in particular to other Customers. 

1 – Ownership of the Content

The Customer represents that they are the holder of the moral and property rights relating to the Content published thereby on the Mobile Application or hold the necessary authorizations for the publication of the said Content and its use by Lydia Solutions without the conditions defined in the following paragraphs of this Article 1. 

The Customer shall not copy, reproduce or otherwise use Content relating to other Customers other than for the sole purposes of using the services for personal and private ends. 

2 – Content publication rules

The Customer shall ensure that the Content does not infringe public decency and does not constitute the reproduction of unlawful content (such as, for example, forgery, apology for crimes against humanity, incitement to racial hatred, child pornography, incitement to violence, offences against human dignity), in accordance with Article 18 below. The Customer undertakes not to post Content in violation of the legislation in force or likely to harm the interests or image of Lydia Solutions.

The services shall be made available to Customers in their sole capacity as private natural persons. Any advertising, of any kind whatsoever, relating to advice or the provision of services is strictly prohibited and any breach found will result in the removal of access to the service concerned.

The Customer is prohibited from harassing one or more other Customers and/or members in any way whatsoever (psychological pressure, insults, threats) and from collecting and storing personal data relating to them. The Customer defines the scope of their own private life and it is their responsibility to communicate to Lydia Solutions and other Customers and/or members only that information concerning them whose dissemination they consider cannot be detrimental thereto. 

3 – Compliance with regulations in force

The Customer undertakes to comply with the laws and regulations in force and not to infringe the rights of third parties, and, in particular, not to falsify data, Content or documents, or data used for identification or connection to services.

4 – Reporting abuse

If the Customer finds or considers that Content is manifestly unlawful, they may report this to Lydia Solutions: 

  • via email at: contact@sumeria.eu 
  • via letter sent to: Lydia Solutions, Customer Service, 14 avenue de l’Opéra, 75001 Paris 
  • by contacting the virtual help centre accessible via the Mobile ApplicationLydia App 

All reports of infringements must include the information described in Article 6, I, para. 5, of the LCEN law as reproduced in Article 15 of the Terms and Conditions. 

Any abusive report of Content wrongly claimed to be in breach of the law, with the sole aim of obtaining the removal of such Content, will expose the Customer to civil and/or criminal law penalties. 

Lydia Solutions therefore reserves the right to remove without notice any Content potentially published in breach of the provisions of these Terms and Conditions or that may violate the rights of a third party or Lydia Solutions.