Terms of Sale & Terms of Use

[À COMPLÉTER — dénomination sociale exacte (razón social)] ([À COMPLÉTER — forme juridique (S.L., S.L.U., autónomo…)]), Spanish tax ID (NIF/CIF) [À COMPLÉTER — NIF / CIF espagnol], [À COMPLÉTER — adresse complète du siège social en Espagne] (Spain). Commercial register: [À COMPLÉTER — Registro Mercantil de …, tome, folio, feuille, inscription — ou « non soumis à immatriculation » si autónomo]. Contact: contact@simonlgcy.com.

The site offers online financial-markets education content in three tiers: Starter (free, available upon account creation), Advanced Academy (monthly subscription), and PRO — Saymon Strategy (one-time payment, lifetime access). Individual coaching sessions may also be offered.

All content is provided strictly for educational purposes. It does not constitute investment advice — see the Risk Warning, which forms an integral part of these terms.

Prices are displayed in euros, all taxes included. VAT regime applied: [À COMPLÉTER — régime de TVA appliqué (guichet unique OSS, IVA espagnol, franchise…)]. Seller's VAT number: [À COMPLÉTER — NIF-IVA (format ESX0000000X) ou mention du régime applicable]. For sales of digital content to consumers established in the European Union, the applicable VAT is that of the buyer's country of residence.

Payment is made online by card via the secure provider Stripe. On some one-off offers, Stripe may present instalment payment operated by Klarna Bank AB: that service is provided and financed by Klarna, subject to its approval and to its own terms, which the buyer enters into directly with Klarna. SIMONLGCY is neither a lender nor a credit intermediary and receives the price in a single settlement. The number of instalments, their schedule and any cost are those displayed by Klarna before confirmation. Subscriptions are not eligible. SIMONLGCY never stores card data. Applicable prices are those displayed at the time of order; they may change at any time for future orders.

Before confirming an order, the customer is given the course description, its price including taxes, and these terms. The order is confirmed by payment on the provider's secure page. In accordance with Articles 27 and 28 of Law 34/2002, a confirmation is sent electronically to the email address given at payment.

The contract is concluded in French or English, depending on the site language chosen by the customer. A copy of the terms applicable to an order can be requested at any time at contact@simonlgcy.com.

Access to courses requires a personal account. The customer agrees to provide accurate information and keep their credentials confidential. The account is strictly personal: sharing credentials or making content available to third parties is a breach of these terms and may result in suspension or termination of access without refund.

Access to paid content opens immediately after payment confirmation, in the member area.

The member area and the community rely on mutual respect. The following are prohibited in particular: harassment, intimidation or insults towards another member or the team; hateful, racist, sexist or discriminatory speech; sharing an account or its credentials; copying, distributing or reselling course content; commercial soliciting and spam; posting personalised investment advice or promises of profit.

In case of a breach, the seller first issues a warning and asks for the behaviour to be corrected. If the breach is repeated, or is serious from the outset (harassment, hate speech, reselling content, fraud), access may be suspended and then permanently closed, without prior warning. The reason is given to the person concerned, who may dispute it by writing to contact@simonlgcy.com.

Exclusion pronounced for a breach of these terms gives rise to no refund of amounts already paid, whether a one-off purchase or subscription instalments already settled; the current subscription simply stops renewing. This absence of refund does not affect the rights granted to consumers by law in the event of a breach by the seller.

The subscription runs for one month and renews automatically at each term. It can be cancelled at any time from the member area or by email; cancellation takes effect at the end of the current period, free of charge. No pro-rata refund is made for a started period.

In accordance with the consolidated text of the Spanish General Law for the Defence of Consumers and Users (Royal Legislative Decree 1/2007), cancellation is as simple as subscribing: it requires no justification, incurs no penalty and is subject to no additional formality.

“Lifetime” access means the entire period during which the seller markets the course, and no less than five (5) years from purchase. Should the service be permanently discontinued, the seller will use reasonable efforts to provide a means of accessing purchased content.

Consumers have fourteen (14) calendar days to withdraw, without giving reasons and without penalty, in accordance with Articles 102 et seq. of the consolidated text of the Spanish General Law for the Defence of Consumers and Users (Royal Legislative Decree 1/2007). For the supply of digital content, this period runs from the conclusion of the contract.

Exception applicable to the courses: as this is digital content not supplied on a tangible medium, performance begins immediately after payment. Before confirming the order, the customer gives prior express consent to that immediate performance and expressly acknowledges thereby losing the right of withdrawal (Article 103(m) of the same text). This consent is collected via a mandatory checkbox on the secure payment page, and its acceptance is recorded with the order.

As long as no paid content has been accessed, withdrawal may be exercised within the fourteen-day period by writing to contact@simonlgcy.com. The refund is then made using the same means of payment, no later than fourteen days after receipt of the request. The model withdrawal form annexed to the consolidated text is provided on request at that address.

Courses, videos, documents and materials remain the exclusive property of the seller. Purchase grants a personal, non-exclusive, non-transferable viewing licence. Recording, copying, reselling, or public or private distribution of the content, in whole or in part, is prohibited.

The content supplied must match the description given at the time of sale. In the event of a lack of conformity — content that is inaccessible, incomplete or substantially different from what was announced — the consumer may require it to be brought into conformity and, failing that within a reasonable time, obtain a price reduction or termination of the contract. These rights arise from the consolidated text of the Spanish General Law for the Defence of Consumers and Users, as amended by Royal Decree-Law 7/2021 transposing Directive (EU) 2019/770 on digital content and services.

SIMONLGCY provides education and does not give personalised investment advice, portfolio management services, or any inducement to take market positions. Trading carries a risk of partial or total capital loss. The customer's investment decisions are their sole responsibility. The seller cannot be held liable for financial losses incurred by the customer in the markets.

The seller has a best-efforts obligation regarding platform availability and may perform maintenance. Videos are streamed via third-party services whose availability is beyond the seller’s control.

Personal data processing is described in the Privacy Policy, accessible from the site footer.

Any complaint may be sent to contact@simonlgcy.com; the seller undertakes to reply within one month. Alternative consumer dispute resolution: [À COMPLÉTER — adhésion ou non au Sistema Arbitral de Consumo, ou entité de résolution alternative accréditée].

Consumers residing in Spain may also refer the matter to the consumer services of their municipality or autonomous community (Oficina Municipal de Información al Consumidor, Junta Arbitral de Consumo). The European online dispute resolution platform, available at ec.europa.eu/consumers/odr, stopped accepting new complaints following Regulation (EU) 2024/3228; the alternative dispute resolution bodies accredited in each Member State remain competent.

The contract is governed by Spanish law. This clause does not deprive consumers of the protection afforded by the mandatory provisions of the law of their country of habitual residence. Disputes between the seller and a consumer fall within the jurisdiction of the courts of the consumer's domicile, in accordance with Regulation (EU) No 1215/2012; disputes between the seller and a business fall within the jurisdiction of the courts of the seller's registered office.

The French version of this document is authoritative. The English translation is provided for convenience only.