By using this website, you agree to these terms. They define your rights and obligations as well as those of Véloci.
Last updated: May 2026
These Terms of Use govern access to and use of the website veloci-patrimoine.com (the "Site"), published by Véloci, represented by Nicolas GADEK-BEAUPREZ, wealth management advisor based in Nancy, France.
Accessing the Site implies full and unreserved acceptance of these Terms. If you do not accept these terms, please do not use the Site.
The Site offers the following services:
These services are provided free of charge, with the exception of advisory services which are subject to a separate fee agreement.
The Site is accessible 24/7, subject to maintenance or force majeure. Véloci reserves the right to suspend, modify or interrupt access at any time without notice or compensation.
Users are responsible for their own hardware, internet connection and the security of their login credentials.
Access to the client area and the community requires creating an account with a valid email address. By creating an account, the user agrees to:
Véloci reserves the right to suspend or delete any account that fails to comply with these Terms, without prior notice.
The Véloci community is a space for discussion about wealth management, savings and personal finance. By posting in the community, users agree not to:
Véloci moderates the community and reserves the right to remove any non-compliant content without obligation to justify. Content posted by users does not engage Véloci's liability and does not constitute financial advice from Véloci.
All elements of the Site (texts, blog articles, calculators, source code, visual identity, logo, photographs, data) are the exclusive property of Véloci or its partners, and are protected by French and international copyright and intellectual property laws.
Any reproduction, representation, modification, adaptation, translation, extraction or reuse of any part of the Site, by any means, is strictly prohibited without prior written authorisation from Véloci.
Users who post content in the community grant Véloci a non-exclusive, royalty-free, worldwide and perpetual licence to use, reproduce and display such content in the context of the Site's operation.
Informational nature: The information, articles, calculators and tools on the Site are provided for general informational purposes only. They do not constitute personalised investment advice within the meaning of MiFID II, nor a recommendation to buy or sell financial instruments.
No warranty: Véloci does not guarantee the accuracy, completeness or currency of published information. Financial markets evolve constantly; any information may have become outdated.
Risk of loss: All investments carry a risk of capital loss, including partial loss. Past performance is not indicative of future results.
Calculators: Calculator results are theoretical estimates based on simplified assumptions. They do not take into account your personal, tax or wealth situation.
Véloci accepts no liability for investment decisions made solely on the basis of information available on this Site. Only a personalised wealth review, formalised in writing following the provision of a Client Relationship Document (DER), can give rise to recommendations tailored to your situation.
The Site may contain links to third-party websites. Véloci exercises no control over these sites and accepts no liability for their content, data protection practices or availability.
Creating hyperlinks to the Site is subject to prior written authorisation from Véloci.
The processing of personal data collected via the Site is described in our Privacy Policy, compliant with the General Data Protection Regulation (GDPR).
The Site uses only strictly necessary cookies for its operation (theme, language, session state). No advertising or third-party tracking cookies are used. For more information, see our Privacy Policy.
Véloci reserves the right to modify these Terms at any time. Modifications take effect upon publication on the Site. The date of last update is shown at the top of this page. Continued use of the Site after modification constitutes acceptance of the updated Terms.
These Terms are governed by French law. In the event of a dispute relating to their interpretation or performance, the parties agree to seek an amicable resolution before resorting to legal proceedings.
Failing amicable resolution, any dispute shall be subject to the exclusive jurisdiction of the competent courts of Nancy, France, unless mandatory consumer protection provisions apply.
For disputes relating to financial services, the competent mediator is the AMF Mediator (Autorité des marchés financiers) — see legal notice for contact details.
For any questions regarding these Terms: