Termini e Condizioni

Preamble

 

These Terms and Conditions constitute the overall contractual framework. They may be supplemented, where applicable, by regional appendices and by specific conditions applicable to certain services. In the event of any inconsistency, the applicable special appendix shall prevail over the general framework.

Waltio provides Users with software hosted remotely and made available via the Internet, along with the associated technical support. The software is designed to enable the User to consolidate all their cryptocurrency transactions and to prepare their reporting obligations.

Waltio does not constitute an accounting service, nor does it provide personalized legal, tax, or financial advice. The Platform is a technical tool. The User remains solely responsible for the accuracy of their declarations to the relevant authorities.

The Services are intended for Users residing in countries where the Company makes them available, as indicated on the Site. The Company reserves the right to limit, suspend, or withdraw access to all or part of the Services in certain countries or territories, particularly in light of changes in its offering, operational constraints, or applicable regulations.

It is the User’s responsibility to verify, prior to using the Services, that they are suitable for their situation and compliant with the laws, regulations, reporting obligations, and tax rules applicable in their country of residence or any other relevant jurisdiction. The Company does not guarantee that the Services meet the specific requirements of every local regulatory framework.

 

 

Article 1 – Purpose

 

These Terms and Conditions of Use (hereinafter the “Terms”) apply to the websites www.waltio.com, tax.waltio.com, and the Waltio application (hereinafter the “Site”) operated by WALTIO (hereinafter the “Company”).

The purpose of the Site is to provide any user (hereinafter the “User”) with the services defined in Article 2 (hereinafter the “Services”).

These Terms define the conditions for accessing and using the Site and the Services.

By accessing the Site or using the Services, the User declares that they have the legal capacity and authority to enter into a binding agreement and acknowledges that they have read, understood, and agree to comply with these Terms.

By accepting these Terms, the User agrees to receive communications from the Company for informational purposes. The User may withdraw their consent at any time by using the unsubscribe links included in communications or via their Account.

Acceptance of these Terms must be full and unconditional. Any conditional acceptance shall be deemed null and void.

Any User who does not agree to be bound by these Terms must cease using the Site and refrain from using the Services.

Article 2 – Services

2.1 Purpose of the Services

The Company provides Users with an online platform that, depending on the subscribed plan, allows them to centralize, import, reconcile, analyze, and track their digital asset transactions, in particular for reporting, data organization, and tax compliance purposes.

The Services may include, as applicable, the aggregation of data from third-party sources, the generation of reports and digital documents, and tools to assist the User in preparing their reporting obligations.

2.2 Plans and Pricing

The Services are offered under different plans, options, and access levels, the essential characteristics, limitations, and pricing conditions of which are described on the dedicated page of the Site in effect at the time of subscription.

The exact scope of available features depends on the subscribed plan, the country of commercialization, the available connectors, and the technical constraints of the data sources used.

2.3 Service Evolution

The Company may modify the Services, plans, features, interfaces, connectors, options, and technical access conditions at any time, in particular to improve the Service, adapt it to regulatory developments, or address technical, security, or operational constraints.

Such changes shall not deprive the User of the essential features corresponding to the subscribed plan, except where required by law, a third party, technical constraints, or force majeure.

2.4 Support and Exclusions

Depending on the subscribed plan, the Company may provide technical assistance related to the use of the platform.

The Company does not provide accounting services, legal advice, tax advice, or personalized financial advice. The Services are technical tools intended to assist with data processing and the preparation of digital documents.

2.5 Additional Services

Additional services may be offered on top of a standard plan (hereinafter the “Additional Services”).

These Additional Services cannot be subscribed to independently of an active main plan, unless expressly stated otherwise on the Site or in the applicable Offer.

They may include, depending on the Offer, personalized technical support, manual account review, data consistency checks, or enhanced handling of certain data processing operations.

The specific terms of performance, timelines, scope, and limitations of these services are detailed in Appendix A.

Additional Services are intended to improve the technical consistency and usability of the User’s data and do not constitute accounting services or personalized legal or tax advice.

The User remains solely responsible for the accuracy of their declarations and for the use of the deliverables provided by the Company.

If an Additional Service is subscribed to less than four (4) weeks before the applicable reporting deadline, the Company will use its best efforts to complete the service on time, without guaranteeing delivery before that deadline.

Article 3 – Access to the Site and Services

The Services are accessible, subject to the restrictions indicated on the Site, to any natural person who has reached the legal age in their country of residence and has the legal capacity to enter into these Terms, as well as to any legal entity acting through a duly authorized representative.

The countries in which the Services are available are indicated on the Site.

3.2 Account Creation

The “Account” refers to the User’s dedicated digital account on the Site, through which they can access the Services.

Use of the Services requires the User to create an account by completing the registration form provided for this purpose.

The User must provide all required information and undertakes to ensure that it is accurate. Incomplete registrations will not be validated.

The User agrees to update this information in their Account in the event of any changes.

The Company shall not be held liable for any damage resulting from inaccurate or incomplete information provided by the User.

Registration automatically results in the creation of an Account, granting access to a personal space through which the User can manage their use of the Services.

3.3 Account Security

Access to the Account is protected by a username and password chosen by the User.

The User may access their Account at any time by logging in using their credentials.

Credentials are confidential and constitute proof of identity on the Site. The password may be changed by the User and will never be requested by the Company.

The Account is strictly personal. The User must not share, lend, or transfer it to any third party, including individuals filing taxes within the same household.

The User must take all necessary measures to prevent unauthorized or fraudulent use of their Account.

The Company shall not be held liable in the event of identity theft or unauthorized use.

If the User becomes aware of or suspects unauthorized use, they must immediately notify the Company. The Company reserves the right to take appropriate measures.

Creating an Account does not guarantee the availability of all Services, features, or payment methods in all countries.

3.4 Termination of Access

These Terms take effect upon the creation of the User’s Account and remain applicable for as long as the Services are accessible.

The User may delete their account at any time via their profile or by contacting support at [email protected].

Deletion results in the automatic and immediate termination of any paid Subscription (Article 5).

Upon deletion, the User will no longer have access to the Services.

All personal data will be removed from active databases, subject to legal retention obligations (see Article 8.5).

Article 4 – Financial terms

The price of the Services is indicated on the Site.

Unless otherwise stated, prices are expressed in euros (EUR), which is the Company’s reference currency. When prices are displayed or paid in another currency, the actual amount charged may vary depending on the exchange rate applied by the payment provider, bank, or network.

Any bank fees, exchange fees, or other charges applied by third-party providers shall be borne exclusively by the User, unless expressly stated otherwise.

Unless otherwise specified, prices are displayed inclusive or exclusive of taxes depending on the applicable rules. Any applicable indirect taxes (VAT, GST, sales tax, or equivalent) will be charged or included in the price in accordance with applicable laws. Any change in tax rates may be reflected in the price.

Paid Services are offered subject to acceptance of a seasonal subscription with automatic renewal, which may be cancelled by the User from their Account.

The Company reserves the right to offer promotions or discounts at its sole discretion.

4.1 Price Changes

The Company may revise the price of the Services at any time. Users will be informed by email at least one (1) month before the new prices take effect.

Users who do not accept the new prices must stop using the Services in accordance with Article 5.2. Otherwise, they will be deemed to have accepted the new prices.

4.2 Invoicing and Payment Methods

Invoices are issued and communicated to the User by any appropriate means. Payment methods are described on the Site.

The User is free to choose their preferred payment method.

• Card payment (recurring debit): processed by the payment provider designated on the Site, which stores the User’s banking data.
• SEPA direct debit: where available, the User may authorize automatic payments via SEPA.
• PayPal: where available, payments are processed under PayPal’s own terms.

Payments are secured via Stripe. The User acknowledges being subject to Stripe’s terms and privacy policy. The Company does not store any banking data.

The User guarantees they are authorized to use the chosen payment method and undertakes to ensure that payment can be successfully processed.

4.3 Late Payment

Any delay in payment shall automatically result in:

• immediate payment of all outstanding amounts;
• immediate suspension of the Services;
• interest at twice the legal interest rate applied to the total amount due.

4.4 Refund Policy

A refund may be requested if both conditions are met:

• the User has not viewed the taxable amounts in the reporting section;
• the request is made within seven (7) days of subscription.

For Additional Services:

• a refund may be requested if no deliverable is provided within two (2) months;
• the Company may also issue refunds at its discretion, for example in case of:
  • poor or insufficient data quality;
  • technical limitations;
  • unsupported operations;
  • excessive volume;
  • inability to meet deadlines due to complexity.

This list is non-exhaustive. Refunds remain discretionary.

This policy is a commercial policy and does not affect any applicable legal withdrawal rights.

 

Article 5 – Subscription and duration

5.1 Subscription

Paid Services are offered under a seasonal subscription with automatic renewal.

The subscription starts upon purchase and runs until October 1st, then renews annually unless cancelled.

Additional Services are linked to an active subscription.

5.2 User Termination

The User may cancel their subscription at any time from their Account.

Cancellation:

• stops future billing;
• does not refund the current period;
• maintains access until the end of the current fiscal season (December 31).

5.3 Termination by the Company

The Company may suspend or terminate access in case of:

• breach of the Terms;
• fraud or misuse;
• regulatory or security risks.

No compensation or refund will be granted unless required by law.

Article 6 – User obligations

 The User agrees to use the Services in compliance with the Terms and applicable laws.

The User is solely responsible for:

• all data provided (transactions, APIs, documents, etc.);
• its accuracy and completeness;
• configuration choices;
• verification of outputs;
• compliance with legal and tax obligations.

The User must not:

• misuse the Services;
• provide false data;
• interfere with the platform;
• attempt unauthorized access;
• scrape or reverse engineer the Service;
• use the Service to build competing products.

The User remains solely responsible for any decisions made based on the outputs.

Article 7 – Liability

The Company provides the Services on a best-efforts basis (obligation of means, not result).

The Company does not provide legal, tax, financial, or accounting advice.

The Company shall not be liable for:

• incorrect data provided by the User;
• third-party failures (exchanges, APIs, blockchains);
• temporary service interruptions;
• force majeure events.

The User must keep backups of their data.

Liability is limited to direct damages and capped at the amount paid in the last 12 months.

Indirect damages (loss of revenue, data, etc.) are excluded.

7.1 Use of Artificial Intelligence

The Company may use artificial intelligence technologies as part of the Services, including for data processing, report generation, analysis, or calculations.

The User acknowledges that such technologies may produce results containing errors, inconsistencies, approximations, or biases.

Accordingly, the User remains solely responsible for reviewing, validating, and using any content, report, or calculation generated through the Services, including those resulting from artificial intelligence.

The use of such technologies does not alter the nature of the Services, which remain technical tools and do not constitute legal, tax, financial, or accounting advice.

For more information, Users may refer to the Privacy Policy.

Article 8 – Data protection

 

Article 9 – Right of withdrawal

Where the applicable law grants the User a statutory right of withdrawal, the User may exercise it under the conditions and within the time limits provided for by said law.

For Users located in the EEA/UK, the specific terms are set out in Appendix B.

Given the digital nature of the Services, their performance may begin immediately after registration or subscription. Where permitted by applicable law and provided that the required legal conditions are met, such immediate performance may have the effect of limiting or excluding the right of withdrawal.

Article 10 – Intellectual Property Rights

The systems, software, structures, infrastructures, databases and content of any kind (texts, images, visuals, music, logos, trademarks, databases, etc.) operated by the Company within the Site are protected by all intellectual property rights or database producers’ rights in force.

Any disassembly, decompilation, decryption, extraction, reuse, copying and, more generally, any act of reproduction, representation, distribution and use of any of these elements, in whole or in part, without the Company’s authorization, is strictly prohibited and may be subject to legal proceedings.

Article 11 – Links and Third-Party Sites

The Services may include, use or enable access to websites, applications, software, blockchains, wallets, exchange platforms, data providers, APIs, connectors or other services operated by third parties.

Such third-party services are provided under the sole responsibility of their publishers or operators and remain governed by their own contractual terms, privacy policies and operating rules.

The Company does not guarantee the availability, security, compatibility, accuracy, completeness or updating of the content, data or services provided by a third party.

The Company may not be held liable for any damage, delay, unavailability, processing error, calculation defect or loss of data attributable, directly or indirectly, to a third-party service or to the information transmitted by it.

The Company is not a party to any contractual relationship that may arise between the User and a third party accessible from the Site or in connection with the Services, and may not be held liable in this respect.

Article 12 : Amendements

The Company reserves the right to amend these Terms and Conditions at any time.

The User will be informed of such amendments by any useful means, with at least one (1) month’s notice before they enter into force, unless the amendment results from a legal, regulatory or security obligation, or from an overriding technical necessity.

Any User who does not accept the amended Terms and Conditions must cease using the Services and, where applicable, terminate their Account or Subscription in accordance with these Terms.

Any User who uses the Services after the amended Terms and Conditions have entered into force shall be deemed to have accepted them.

 

Article 13 – Mediation

In accordance with Articles L.612-1 et seq. of the French Consumer Code, the User has the right to have recourse, free of charge, to a consumer mediator with a view to the amicable resolution of any dispute between the User and the Company.

The mediator appointed by the Company is: CM2C (Centre de la Médiation de la Consommation de Conciliateurs de Justice)

Website: https://www.cm2c.net/

Postal address: 49 Rue de Ponthieu, 75008 Paris.

The provisions of this Article apply without prejudice to any mandatory rights enjoyed by the consumer User in their country of residence.

 

 Article 14 – Governing Law

These Terms are governed by French law.

However, where the User acts as a consumer, this choice of law may not have the effect of depriving the User of the protection afforded by the mandatory provisions of the law of their country of habitual residence where those provisions are applicable.

In the event of a dispute relating to the validity, interpretation, performance or termination of these Terms, the parties shall first seek an amicable solution.

Failing an amicable agreement, and subject to the mandatory rules applicable to jurisdiction, the courts within the jurisdiction of the Paris Court of Appeal shall have sole jurisdiction to hear the dispute where the User is not acting as a consumer.

Where the User acts as a consumer, jurisdiction shall be determined in accordance with the applicable mandatory rules.

In the event that these Terms are translated into one or more languages, the French version shall prevail in the event of any contradiction or difficulty of interpretation, unless otherwise required by mandatory law.

Updated: April 2026

 

APPENDIX A – Terms applicable to support services

A.1 Scope

This Appendix applies to Additional Services involving human intervention provided by the Company in addition to the software, in accordance with the Offer subscribed to by the User.

A.2 Purpose of the Support Services

The purpose of the Support Services is to assist the User in the technical processing of their data, in particular through aggregation, manual review of transactions, correction of certain technical inconsistencies, correction of pricing errors (“ghost prices”), as well as verification of the overall consistency of the inventory and the data used by the platform.

Depending on the subscribed Offer, they may also include enhanced assistance in preparing the User’s file.

A.3 Nature of the Service

The Support Services constitute technical services subject to a best-efforts obligation.

They do not constitute accounting services, personalized tax, legal or financial advice, or any regulatory validation of the User’s situation.

The expert or member of the Company’s team intervening in this context acts exclusively with a view to technical processing and data consistency.

A.4 Data Provided by the User

The Support Services are carried out exclusively on the basis of the information, access credentials, documents, transaction histories, exports, API keys, addresses, transactions and other data provided or validated by the User.

The User undertakes to provide accurate, complete, usable and sufficiently documented data.

The Company may not be held liable if certain transactions are missing at source, erroneous, unusable, incomplete, unavailable or not transmitted in a timely manner by the User or by a third party.

A.5 Timelines

Any completion times indicated to the User are given on an estimated basis. They may vary depending on the quality of the imported data, the volume of transactions, the complexity of the account, the responsiveness of the User and the technical constraints encountered.

Where a Support Service is subscribed to less than four (4) weeks before the reporting deadline applicable to the User, the Company will use its best efforts to perform the service before that deadline, without guaranteeing delivery within that timeframe.

A.6 Validation and Liability of the User

The User remains solely responsible for the final review, validation of deliverables, their methodological choices and any declaration or transmission made to an administration, advisor or third party.

The delivery of a deliverable, report or document by the Company shall not constitute either legal or tax approval, nor any guarantee of acceptance by an administration or third party.

A.7 Refunds

As long as the service has not started, the commercial refund policy set out in Article 4.4 may apply under the conditions described therein.

Once the Company has begun the review, analysis or technical processing of the User’s account, no refund may be required in respect of the Support Service, subject to any mandatory legal rights that may apply.

However, the Company retains the right to grant, on a commercial and discretionary basis, a full or partial refund, in particular in the event of technical impossibility, unusable data or absence of a deliverable.

A.8 Limits of the Service

The Company reserves the right to refuse, suspend or interrupt any Support Service where it considers that the data provided is insufficient, unusable, technically unusable, too voluminous, or concerns operations, assets or platforms that are not supported under reasonable conditions of performance.

APPENDIX B – Specific Provisions Applicable to Consumer Users Residing in the EEA and the United Kingdom

B.1. Scope

This Appendix applies only to Users acting as consumers or non-professionals and residing in the European Economic Area (EEA) or the United Kingdom.

In the event of any inconsistency between these Terms and Conditions and this Appendix, this Appendix shall prevail for the Users it covers.

B.2. Nature of the Services

The Services provided by the Company are digital services provided online, the performance of which may begin immediately after the User’s registration or subscription.

B.3. Immediate Performance

Given the digital nature of the Services, their performance may begin immediately after registration or subscription, in particular through opening access to the account, making features available, importing data, carrying out technical processing or generating digital deliverables.

B.4. Right of Withdrawal / Cancellation

Where the applicable law grants the User a statutory right of withdrawal or cancellation, such right may only be exercised under the strict conditions, limits and deadlines provided for by that law.

The commercial refund policy set out in Article 4.4 is separate from any statutory right of withdrawal or cancellation.

B.5. Effect of Immediate Performance

Where permitted by applicable law and provided that the required legal conditions are met, the immediate performance of all or part of the Services may have the effect of limiting or excluding the exercise of a statutory right of withdrawal or cancellation.

B.6. No Autonomous Contractual Right

These Terms do not grant the User any autonomous contractual right of withdrawal, cancellation or refund beyond any mandatory rights that may be provided for by applicable law or the commercial refund policy set out in Article 4.4.

B.7. Support Services

Where a Support Service involving human intervention begins immediately or before the expiry of a statutory withdrawal or cancellation period, the effects of any withdrawal or cancellation request shall be determined exclusively by the applicable law and, where relevant, by the actual state of performance of the service.

APPENDIX C – Provisions Applicable to Users Outside the EEA and the United Kingdom (International)

C.1. Scope

This Appendix applies to Users residing outside the European Economic Area (EEA) and the United Kingdom.

C.2. Right of Cancellation / Withdrawal

Unless otherwise required by mandatory law applicable to the User’s contract, no statutory right of withdrawal, cancellation or refund is granted solely by virtue of these Terms. Where the applicable law provides for a right of cancellation or withdrawal, it shall be exercised exclusively under the conditions, formalities and deadlines set out by that law.

C.3. Immediate Digital Performance

As the Services are provided in digital form and may be performed immediately, the User acknowledges that, where permitted by applicable law, the commencement of performance or the full provision of the Service may limit or exclude certain cancellation or refund rights.

C.4. Commercial Refund Policy

The commercial refund policy described in Article 4.4 shall apply, where relevant, independently of any local statutory rights. It constitutes a commercial gesture and does not amount to recognition of a general right to a refund.

C.5. Local Regulations

It is the User’s responsibility to ensure that the purchase and use of the Services are permitted in their country of residence and compatible with the applicable local laws, tax rules, reporting obligations, exchange control restrictions and regulations. The Company does not guarantee that the Services comply with the specific requirements of any particular jurisdiction.

C.6. Local Taxes and Fees

The User remains solely responsible for any local taxes, duties, withholdings, exchange fees, bank charges, network fees or other charges not directly collected by the Company at the time of payment.

The Company may also refuse, suspend or terminate the provision of the Services where it considers, in good faith, that their commercialization or performance in a given jurisdiction presents a regulatory, legal, operational or compliance risk.

APPENDIX D – Specific Provisions Applicable to Consumer or Non-Professional Users Residing in France

D.1. Scope

This Appendix applies to Users acting as consumers or non-professionals and residing in France when they subscribe to a Subscription containing an automatic renewal clause.

In the event of any inconsistency between these Terms and Conditions and this Appendix, this Appendix shall prevail for the Users it covers.

D.2. Automatic Renewal – Provisions of the French Consumer Code

In accordance with the applicable provisions of the French Consumer Code, the Company shall inform the User, in writing, by nominative letter or dedicated email, no earlier than three (3) months and no later than one (1) month before the end of the period during which non-renewal is permitted, of the possibility not to renew the Subscription.

In accordance with the provisions of the French Consumer Code, Articles L. 215-1 to L. 215-3 and L. 241-3 are reproduced below.

Article L. 215-1 of the French Consumer Code

“For service contracts concluded for a fixed term with an automatic renewal clause, the professional service provider shall inform the consumer in writing, by nominative letter or dedicated email, no earlier than three months and no later than one month before the end of the period during which non-renewal is permitted, of the possibility not to renew the contract entered into with an automatic renewal clause.

This information, provided in clear and understandable terms, shall mention, in a clearly visible box, the deadline for non-renewal.

Where such information has not been sent to the consumer in accordance with the provisions of the first paragraph, the consumer may terminate the contract free of charge at any time from the date of renewal.

Any payments made after the last renewal date or, in the case of contracts of indefinite duration, after the date on which the initial fixed-term contract was converted, shall in such case be refunded within thirty days from the date of termination, after deduction of the sums corresponding, up to that date, to the performance of the contract.

The provisions of this Article apply without prejudice to those which legally subject certain contracts to specific rules regarding consumer information.

By way of exception to the first paragraph of this Article, for contracts for the provision of television services within the meaning of Article 2 of Law No. 86-1067 of 30 September 1986 on freedom of communication and for contracts for the provision of on-demand audiovisual media services, the consumer may terminate the contract free of charge, at any time from the first renewal, where they change residence or where their tax household changes.”

Article L. 215-2 of the French Consumer Code

“The provisions of this chapter, with the exception of Article L. 215-1-1, do not apply to operators of drinking water and sanitation services.”

Article L. 215-3 of the French Consumer Code

“The provisions of this chapter also apply to contracts concluded between professionals and non-professionals.”

Article L. 241-3 of the French Consumer Code

“Where the professional has not made the refund under the conditions provided for in Article L. 215-1, the sums due shall bear interest at the legal rate.”