In accordance with the different laws to which our activities are subject, please find below the regulatory information governing all our contractual relationships.

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FINANCIAL INVESTMENT ADVICE

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This activity, which is governed by law no. 2003-706 of 1 August 2003, the French Monetary and Financial Code and the associated laws, decrees and ordinances, is exercised under registration no. 13002882 at the single register for insurance, banking and financial intermediaries (ORIAS), which can be consulted on the website www.orias.fr, member of the French Chamber of Financial Investment Advisers (CNCIF), an association approved by the French Financial Markets Authority.

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Noveo Finance has taken out professional liability insurance in accordance with articles L341-5, L541-3, L541-9, L519-3-4, L519-16, L519-4 and L519-17 of the French Monetary and Financial Code from COVE-RISKS SA located at 19-21, Allées de l’EUROPE 92616 CLICHY CEDEX.

Ownership links: there is no ownership link between Noveo Finance and the various product suppliers.

You can obtain an update of this information at any time.

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RGPD

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In compliance with the provisions of French Law No. 78-17 of January 6, 1978 (as amended) and Regulation (EU) 2016/679 of the European Parliament and of the Council of April 27, 2016 (General Data Protection Regulation, "GDPR") on the protection of natural persons with regard to the processing of personal data and on the free movement of such data, Noveo Finance undertakes to collect and process only such personal data (including but not limited to name, surname, email address) as is strictly necessary to fulfill the purposes required to respond to requests from its stakeholders.

 

Noveo Finance further commits to:

- Ensuring the security and integrity of such data;
- Disclosing personal information solely to third parties where transmission is necessary for the performance of agreed services;
- Acting in full compliance with all regulatory requirements to which it is subject.

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For any inquiries regarding our security policy, please contact us at: contact@noveofinance.com.

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Rights and Data Control

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Users are hereby informed of their right to request from the Data Controller (as identified below) the following, on a durable medium (e.g., postal mail, email):

- Access to their personal data, including the categories of data processed and the recipients thereof;
- The duration for which data will be stored, or the criteria used to determine that duration;
- Rectification, erasure, or portability of their personal data;
- Restriction of processing.

 

Users are advised that the exercise of certain rights may, on a case-by-case basis, render Noveo Finance unable to provide the agreed service to its clients.

 

The Data Controller, Mr. Morand Drouot, may be contacted at: rgpd@noveofinance.com.
Users may also file a complaint with the CNIL (Commission Nationale de l’Informatique et des Libertés): www.cnil.fr.

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COMPLAINTS

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In accordance with regulatory requirements, Noveo Finance has established a complaints handling procedure. All complaints shall be submitted by email to reclamations@noveofinance.com or by postal mail to the company’s registered address.

 

Noveo Finance undertakes to:

- Acknowledge receipt of the complaint within ten (10) business days of its submission;
- Provide a substantive response within a maximum of two (2) months, unless exceptional circumstances duly justify an extension.

Should the response be deemed unsatisfactory, complainants may refer the matter to the competent consumer ombudsman:

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The ombudsman
Autorité des Marchés Financiers (AMF)
17, Place de la Bourse
75082 Paris CEDEX 02
France
www.amf-france.org

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POLICY ON SUSTAINABILITY

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In March 2018, the European Commission published an action plan on financing sustainable growth, which included three recommendations targeting the financial sector:

- Reorienting capital flows towards sustainable investments with a view to achieving sustainable and inclusive growth;
- Managing financial risks stemming from climate change, resource depletion, environmental degradation and social issues;
- Fostering transparency and long-termism in economic and financial activities.

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Subsequently, Regulation (EU) 2019/2088 of the European Parliament and of the Council of 27 November 2019 on sustainability‐related disclosures in the financial services sector was adopted. This regulation establishes harmonised rules on transparency with regard to the integration of sustainability risks and the consideration of adverse sustainability impacts in investment decisions, as well as the provision of sustainability-related information on financial products.

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Noveo Finance, as part of this approach, is subject to Regulation (EU) 2019/2088 of the European Parliament and of the Council of 27 November 2019 on sustainability‐related disclosures in the financial services sector. This policy is therefore established in accordance with Article 3 thereof.

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Noveo Finance implements a financial product selection policy based, in particular, on the following criteria:

- An exclusion policy making it possible to exclude certain products whose underlying assets do not align with the company's values.
- A selection of investments, notably on the basis of the product governance framework that it implements within the firm and which enables it to select investments that meet its clients' sustainability preferences.
- The consideration of environmental (E), social (S) or governance (G) criteria of the products.

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It should be noted that Noveo Finance's services as a hedging advisor are limited to the analysis of financial risks and the proposal of technical hedging instruments. They do not include, unless specifically agreed in writing, any assessment of the environmental, social or governance (ESG) criteria of the underlying projects or counterparties. The client acknowledges that it is solely responsible for the selection of its banking partners and the ESG assessment of its projects.

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Remuneration Policy: Noveo Finance ensures that the remuneration structure, both fixed and variable, does not encourage excessive risk-taking with regard to sustainability. This remuneration structure does not take into account the distribution of specific products. Consequently, and like other investment contracts and vehicles, investment contracts and vehicles promoting ESG characteristics or qualifying as sustainable investments are recommended to the client provided they meet their objectives and needs.

 

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COOKIES

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Browsing the Noveo Finance website may result in the installation of cookies on your device. Cookies are small data files stored in a website visitor’s browser, designed to enhance user experience.

 

By using cookies, we can personalize site content to provide you with a smoother and more tailored browsing experience. By accessing this website, you consent to the use of cookies in accordance with this policy. However, you may individually manage or disable cookies through your browser settings.

 

Please note that disabling cookies may restrict your ability to use certain features or functionalities of our website.​​​

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HOSTING

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This website is hosted by Wix.com Inc

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WEBSITE PUBLISHER

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Morand Drouot​

contact@noveofinance.com