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

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FINANCIAL INVESTMENT ADVICE

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This activity, 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 with the single register for insurance, banking and financial intermediaries (ORIAS), which can be consulted at www.orias.fr, as a member of the CNCEF, an association approved by the French Financial Markets Authority (Autorité des Marchés Financiers).

Noveo Finance may provide independent investment advice.
 

Noveo Finance has no ownership links with the various product suppliers that could pose a risk to the independence of the advice provided.
Furthermore, Noveo Finance will not accept any remuneration, commission, or monetary or non-monetary benefit in connection with the provision of its services, paid or provided by a third party or by a person acting on behalf of a third party. Should any such payment be received, Noveo Finance undertakes to return it in full to its client without delay.
 

In the context of these activities, Noveo Finance holds 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, taken out with MMA IARD Assurances Mutuelles, located at 14 Boulevard Marie et Alexandre Oyon, 72030 Le Mans Cedex 9.
 

You may obtain an update of any of the above information at any time, upon simple request..

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GDPR

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

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

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 identified below, on a durable medium (e.g., postal mail, email), the following:

• Access to their personal data, including the categories of data processed and the recipients thereof;

• The retention period applicable to their data, or, where not determined, the criteria used to establish such period;

• Rectification, erasure, and portability of their personal data;

• Restriction of the processing of their personal data.

 

It is specified that the exercise of certain of these rights may, on a case-by-case basis, render Noveo Finance unable to provide the service agreed with its client.

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

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COMPLAINTS

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In accordance with applicable regulations, Noveo Finance has established a complaints handling procedure. Clients may submit a complaint free of charge to Noveo Finance as a Financial Investment Adviser (CIF) and may obtain information on the complaints handling procedure upon simple request, in particular by writing to: reclamations@noveofinance.com.

 

Noveo Finance undertakes to:
- Acknowledge receipt of the complaint within ten (10) business days of its receipt;
- Provide a substantive response within a maximum of two (2) months from the date on which the complaint was submitted, 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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SUSTAINABILITY RISK POLICY

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In March 2018, the European Commission published an action plan on financing sustainable growth, which included three key 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.

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.
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.

Where appropriate, Noveo Finance implements a financial product selection policy based, in particular, on the following criteria:
- An exclusion policy enabling the exclusion of 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 implemented within the firm, enabling the selection of investments that meet clients' sustainability preferences;
- The consideration of environmental (E), social (S) and governance (G) criteria of the products.

It should be noted that Noveo Finance's services as a hedging adviser 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 its 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 clients solely where 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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Mr. Morand Drouot​

contact@noveofinance.com