Legal notice

1. Publisher

The verigopay.com website is published by:

Verigopay is a brand and service operated by Ca.Sa srl, a Belgian limited liability company (SRL), VAT BE 0784.675.956, registered office at Rue Jean-Baptiste Colyns 112 box 1, 1050 Ixelles, Belgium. The terms of service and privacy policy applicable to the Verigopay service are available on the dedicated pages of this site.

2. Publication director

The publication director of verigopay.com is Sérine Akar, in her capacity as managing director of Ca.Sa srl.

Any request related to the publication of this site (content correction, right of reply, reporting of illegal content) can be sent to info@verigopay.com with the subject line "For the attention of the publication director".

3. Hosting

The verigopay.com website and its application features are hosted on the cloud infrastructure operated by:

The Verigopay databases (user accounts, synced counterparties, checks) are hosted exclusively within the European Union by:

Transactional emails are sent by Resend Inc. using infrastructure located in the European Union (eu-west-1 region, Ireland).

Legal note: Vercel Inc. and Resend Inc. are headquartered in the United States but route requests and store caches on servers located in the European Union for the Verigopay service. No personal data of our users is stored permanently in the United States. Full details in our privacy policy.

4. Contact

For any question relating to the Verigopay service or this legal notice:

• General enquiries — info@verigopay.com
• Technical support and billing — info@verigopay.com
• Personal data (GDPR) — info@verigopay.com with subject "GDPR request"
• Postal mail — Ca.Sa srl, Rue Jean-Baptiste Colyns 112 box 1, 1050 Ixelles, Belgium

5. Intellectual property

The entirety of the verigopay.com site — including the Verigopay trademark, its logo, brand identity, texts, illustrations, videos, photographs, source code, database and features — is the exclusive property of Ca.Sa srl or licensed to it.

Any reproduction, representation, modification, publication, adaptation or exploitation, in whole or in part, of any element of the site, by any means whatsoever, without prior written authorisation from Ca.Sa srl, is strictly prohibited and constitutes an infringement under Book XI of the Belgian Code of Economic Law and applicable international conventions.

Third-party trademarks cited

The trademarks Qonto, Pennylane, Stripe, Odoo and any other third-party trademarks mentioned on the site belong to their respective owners and are cited only to identify the technical integrations offered by Verigopay. No official affiliation or partnership is implied unless explicitly stated.

Public data used

The checks produced by Verigopay rely on data from official European public registries, including:

• 🇫🇷 France — BODACC, INSEE/Sirene, RNE
• 🇧🇪 Belgium — BCE / KBO (Crossroads Bank for Enterprises), Belgian Official Gazette
• 🇩🇰 Denmark — CVR (Det Centrale Virksomhedsregister)
• 🇫🇮 Finland — PRH (Patentti- ja rekisterihallitus)
• 🇵🇱 Poland — KRS (Krajowy Rejestr Sądowy)
• 🇪🇪 Estonia — e-Äriregister
• 🇨🇿 Czechia — ARES (Administrativní registr ekonomických subjektů)
• 🇮🇪 Ireland — CRO (Companies Registration Office)

Other European official registries are progressively added as we roll out across the 27 EU member states (Croatia — sudreg, Slovenia — AJPES, etc.). This data is freely reusable under the conditions of the French Etalab v2.0 open licence, the open-data licences of the corresponding national authorities (CC-BY, EU PSI Directive), or equivalent contractual agreements signed with each issuing authority.

6. Personal data

The processing of personal data of the site and Verigopay service users is governed by the EU General Data Protection Regulation (GDPR) and the French Data Protection Act, as amended.

For full details on the data collected, the purposes, the retention periods and how to exercise your rights, please see our privacy policy.

For any data-related request, contact us at info@verigopay.com with subject "GDPR request". We will respond within one month at the latest.

If you disagree with our handling, you may lodge a complaint with the CNIL (France), the Belgian Data Protection Authority, or the supervisory authority in your country of residence.

7. Cookies

verigopay.com uses only strictly necessary technical cookies required for the service to work (in particular, keeping you logged in). These cookies are exempt from prior-consent collection, in line with the French data-protection authority (CNIL) cookie guidance.

No third-party analytics, advertising or marketing-tracking cookies are placed on the site. Technical details are available in our privacy policy.

8. Limitation of liability

Ca.Sa srl makes every effort to provide users with reliable information and a reliable service. Nevertheless, despite all the care taken, the site and service may contain inaccuracies or omissions.

The risk scores produced by Verigopay (Green / Amber / Red) are decision-support based on official public data. They never replace the user's responsibility for the final decision to make or not make a payment, nor any further checks required by the user's profession or applicable sectoral regulation.

Ca.Sa srl cannot be held liable for:

• Any errors or omissions in the source public data (BODACC, BCE, INSEE, RNE, etc.);
• The final decision taken by the user on the basis of the information supplied;
• Any direct or indirect damage resulting from a temporary interruption of the service, fraudulent third-party intrusion, or force majeure.

Use of the service implies acceptance of these limitations.

9. Applicable law and jurisdiction

This legal notice is governed by Belgian law. In the event of a dispute, and failing an amicable resolution, the competent courts shall be those of the judicial district of Brussels (registered office of Ca.Sa srl, Ixelles), subject to applicable mandatory consumer-protection rules.

10. Consumer mediation

In accordance with Book XVI of the Belgian Code of Economic Law, a consumer may refer the matter free of charge to the Belgian Consumer Mediation Service (mediationconsommateur.be) to resolve a dispute with Ca.Sa srl, after first attempting to resolve it directly with our team at contact@verigopay.com. EU-resident consumers may also use the European Commission ODR platform.

Verigopay being a service strictly aimed at professionals (B2B), this provision in practice only applies to users qualifying as consumers under the Belgian Code of Economic Law.