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Mis à jour le June 20, 2026
Terms of Service
Terms and Conditions — YaniPay Services
01
Preamble
These Terms of Service ("Terms" or "TOS") govern access to and use of the services offered by YaniPay SAS("YaniPay", "we", "us" or "our") via its website, mobile application, and platforms ("Services").
Any use of the Services implies unconditional acceptance of these Terms by the user ("you" or "User").
French version available
La version française de ces conditions est disponible à : /cgu-cgv
Important
By creating an account or using our Services, you acknowledge that you have read, understood and accepted these Terms in their entirety. If you do not accept these terms, please do not use our Services.
02
Company Information
- Company name
- YaniPay SAS
- SIRET
- 927 884 759 00014
- APE Code
- 6202A
- Share capital
- €300
- Registered address
- 5 Chemin Bras Pétard, 97412 Bras-Panon, La Réunion, France
- CEO / Director
- Johan LEPINAY
- Hosting
- Vercel Inc., 340 Pine Street Suite 900, San Francisco CA 94104, USA (Art. 6 LCEN)
03
Definitions
"Account"
Secure personal space created by the User to access the Services.
"Banking Services"
Payment services, money transfers, account management and bank card.
"Loyalty Services"
Loyalty programme, cashback, rewards and partner benefits.
"Identity Services"
Identity verification (KYC), strong authentication and account protection.
"YANICoin" / "YANI"
Native digital token of the YaniPay ecosystem used for rewards and services.
"UNIK Card"
Physical or virtual payment card issued by YaniPay or its partners.
04
Services Description
YaniPay offers a full range of digital financial services:
1. Banking Services
- • Payment account opening and management
- • SEPA instant and international transfers
- • UNIK payment card (physical and virtual)
- • Contactless and online payments
- • Multi-currency management (EUR, USD, crypto)
2. Loyalty Services
- • Cashback programme (up to 3% in YANI)
- • Loyalty points accumulation
- • Exclusive partner offers
- • Status levels (Bronze, Silver, Gold, Platinum)
3. Identity Services
- • Compliant identity verification (KYC)
- • Strong authentication (2FA, biometrics)
- • Real-time fraud protection
- • Secure document manager
Service availability
Certain services may not be available in all regions or for all types of users. Payment services are provided in partnership with authorised institutions. Services are currently in beta — some features may be limited.
05
Eligibility and KYC
Access to the Services requires account creation and identity verification in accordance with anti-money laundering regulations.
Registration requirements
- • Be a natural person aged 18 or over, or a legal entity
- • Reside in an eligible country (France and overseas territories)
- • Have a valid email address
- • Provide accurate and complete information
Prohibited uses
- • Money laundering and terrorism financing
- • Fraud, scams and identity theft
- • Tax evasion
- • Transactions with sanctioned countries
- • Trade in illicit goods
06
Pricing
Applicable fees are detailed in our pricing schedule available on our website. Key fees:
Indicative pricing
Account openingFree
Monthly account fee€0 to €9.99/month
UNIK Standard CardFree
UNIK Premium Card (metal)€49.99 (one-time)
SEPA transferFree
Instant transfer€0.50
ATM withdrawal (eurozone)3 free/month then €1
Currency conversion1% above interbank rate
Fees may be modified with 2 months' notice. You will be notified by email of any change and may close your account without charge if you do not accept the new fees.
07
User Obligations
By using the Services, you agree to:
Accuracy of information
Provide accurate, complete and up-to-date information. Any false statement may result in immediate account suspension.
Account security
Keep your credentials confidential. You are responsible for all use of your Account.
Lawful use
Use the Services in accordance with the law and these Terms. Any illegal activity is strictly prohibited.
Reporting
Notify us immediately of any unauthorised use of your Account or security breach.
08
Liability
YaniPay's liability
YaniPay commits to using all reasonable means to ensure service continuity and security. Our liability shall not be engaged in cases of: force majeure, telecommunications network outages, failures of banking partners' systems, third-party fraudulent use of your credentials, or User breach of these Terms.
Limitation of liability
To the maximum extent permitted by law, YaniPay's total liability shall not exceed the fees paid by the User in the 12 months preceding the event giving rise to the claim.
09
Intellectual Property
All elements of the Site and Services (logos, trademarks, text, images, software, etc.) are protected by intellectual property rights.
Use of the Services does not confer any ownership rights over these elements. Any unauthorised reproduction or use is strictly prohibited.
10
Termination and Suspension
Termination by User
You may close your Account at any time, free of charge, from your personal space or by contacting support. Termination takes effect within 30 days maximum.
Termination by YaniPay
YaniPay may close your Account with 2 months' notice, except in cases of serious breach (fraud, illegal activity) where termination may be immediate.
11
Changes to Terms
YaniPay reserves the right to modify these Terms at any time. You will be notified of any material change by email and/or in-app notification at least 2 months before it takes effect. Continued use of the Services after the change takes effect constitutes acceptance. You may close your Account without charge if you do not accept the new Terms.
12
Disputes and Mediation
In case of dispute, please contact our customer service first. If unresolved, you may use free consumer mediation services:
Complaints
Email: reclamations@yanipay.com — Response within 15 working days
EU Online Dispute Resolution (ODR)
13
Governing Law and Jurisdiction
These Terms are governed by French law. In case of unresolved dispute, the competent courts of Saint-Denis de La Réunion shall have exclusive jurisdiction, subject to any mandatory statutory provisions to the contrary.
Language of contract
These Terms are provided in English for informational purposes. The official binding version is the French version (CGU/CGV) available at /cgu-cgv. In case of discrepancy, the French version shall prevail.
14
Contact
For any questions relating to these Terms:
Customer Service
Legal Team
See also our Privacy Policy, Legal Notice and Support. French version: CGU/CGV.