Terms of service
Last updated: 29 September 2026. In force from 26 September 2026.
These terms are the contract between you and Mahé Chadeffaud, entrepreneur individuel, sole proprietorship (entreprise individuelle, micro-entreprise), SIREN 109 270 363, SIRET 10927036300012, APE 58.29C, registered office 7 rue Marie-Thérèse Hermann, 74000, Annecy, France, email [email protected], telephone +262 693 65 63 70 ("we", "us"), for the use of the website https://stonetotem.com and the service it provides (the "Service"). The Service is supplied only to Approved Accounts. By using it you accept these terms; if you do not, do not use it.
1. Definitions
- Service: STONETOTEM, a decision engine (StoneIR) running on our platform (The Cairn), which compares the options of a business decision from the figures you give and states the precision of its answer.
- Decision: one decision submitted to the engine and computed to a result: its options, its figures and the report returned (one business question answered by the engine, up to 6 turns (question + up to 5 precision questions)).
- Package: a subscription for an organisation, with a number of Seats and of Decisions per month, agreed in writing before access opens.
- Seat: one person using a Package with their own Account.
- Approved Account: an Account opened with an email address we have admitted to the Service after a request for access.
- Consumer: a natural person acting outside their trade, business, craft or profession, within the meaning of the preliminary article of the French Consumer Code.
2. What the Service is, and what it is not
The Service compares the options of a business decision from figures you provide and reports which option wins, with its precision, or declines to answer. Results are statistical estimates, not guarantees. They are not a professional financial, investment, tax or legal opinion. You remain responsible for your decisions. See the disclaimer.
Only the Enterprise domain is supplied today. Government and Finance are in development: they are not sold and no commitment is made about them.
3. Access by request
Access is granted organisation by organisation. A request made through the access form is not a contract: we may accept it, ask for details or decline it without giving reasons. The Service is reserved to adults aged 18 and over acting for an organisation. There is no free trial and no free use of the Service.
4. Packages and prices
The Enterprise Packages and their prices are published on the packages page: Team 349 EUR per month, 12 Seats, 340 Decisions per month; Business 389 EUR per month, 50 Seats, 390 Decisions per month; Enterprise 1,369 EUR per month, 50 Seats, 1634 Decisions per month. The annual option is paid once upfront.
The Package, its term, its price and the invoicing method are confirmed in writing (a quote or order form accepted by both parties) before access opens; that written agreement prevails over this page for what it covers. Prices are in euros. Today VAT is not applicable, article 293 B of the French General Tax Code (micro-entreprise VAT franchise); where VAT becomes due, the written agreement states how it applies. Decisions not used in a month do not carry over. When the Decisions of a month are used up, the Service stops computing new Decisions until the next month unless the written agreement provides otherwise.
Where we sell. We do not supply the Service in countries under sanctions (Belarus, Cuba, Iran, North Korea, Russia, Syria, and the occupied regions of Ukraine) and, until we are registered there, in countries that tax a foreign seller of digital services from the first sale (United Arab Emirates, Albania, Armenia, Angola, Aruba, Bangladesh, Bahrain, Bahamas, Chile, Cameroon, Colombia, United Kingdom, Georgia, Guinea, India, Kenya, Kyrgyzstan, South Korea, Kazakhstan, Laos, Morocco, Moldova, Montenegro, North Macedonia, Mauritania, Mexico, Oman, Peru, Serbia, Saudi Arabia, Senegal, Tajikistan, Tanzania, Uruguay, Uzbekistan, Vietnam).
Renewal, cancellation and price changes. A Package renews at the end of its term unless either party cancels in writing at [email protected] before that date. Cancelling stops the next renewal and does not interrupt the period already paid. We announce a price change at least 30 days before it applies, and only from the next term.
5. Right of withdrawal and refunds
If you are a Consumer resident in the European Union, you have 14 days to withdraw from a purchase, without giving a reason and without penalty, counted from the day the contract is concluded (Directive 2011/83/EU, articles L221-18 and following of the French Consumer Code), by an unambiguous statement to [email protected] or by post to 7 rue Marie-Thérèse Hermann, 74000. For a service started at your express request during that period, only the proportionate amount for service actually supplied may be retained (article L221-25). Refunds are made by the same means of payment within 14 days of your request, at no cost to you. A failed or empty result is not counted as a Decision.
6. Acceptable use
You agree not to: share an Account between several people; query the Service automatically outside the access agreed in writing; resell or expose the Service or its outputs as your own service without a written agreement; attempt to extract, reconstruct or reverse-engineer our engine, data or parameters; circumvent the Decisions per month or the Seats; submit illegal content or personal data about other people; use the Service to profile, screen or decide about individuals, in particular in employment, credit, insurance, housing, education or access to public services, without a separate written agreement setting the safeguards the law requires; use it for any practice prohibited by Article 5 of the EU AI Act (Regulation (EU) 2024/1689); or interfere with the security or availability of the Service.
7. Intellectual property and your data
The Service, its interface, texts, engine, data and code remain ours or our licensors'. You get a non-exclusive, non-transferable, revocable licence to use it under these terms. The figures you submit remain yours; you grant us the licence needed to compute your Decisions and keep them for the period stated in the privacy policy. You may use your results freely, provided you do not present them as a certainty or as professional advice.
8. Conformity
We owe you a Service that conforms to the contract, under Directive (EU) 2019/770 and articles L224-25-1 and following of the French Consumer Code where they apply. If it does not, you may require it to be brought into conformity; failing that, you may obtain a price reduction or termination and a refund. Nothing in these terms limits this legal guarantee.
9. Availability and liability
We aim to keep the Service available but do not promise uninterrupted availability; planned maintenance is announced when we can. We are liable for the proper performance of this contract under the law. Nothing in these terms excludes or limits our liability for death or personal injury, fraud, gross negligence or wilful misconduct, breach of an essential obligation, the legal guarantees, or anything else the law does not allow to be excluded.
10. Suspension and termination
You may stop using the Service and ask us to delete your Account at [email protected]. We may suspend or close an Account that breaches section 6 or puts the Service at risk; except for a serious breach, we warn you first. If we close an Account for a reason that is not your fault, or stop the Service, we refund the unused part of the Package and let you export what is yours, with at least 30 days' notice when we stop the Service.
11. Changes to these terms
We tell existing customers by email at least 30 days before a change that affects their rights or obligations. If you do not accept it, you may cancel and we refund the unused part of the Package.
12. Language
These terms are written in English. Contact [email protected] for assistance in French.
13. Applicable law, complaints, mediation and courts
These terms are governed by French law. A Consumer resident in another country keeps the protection of the mandatory rules of that country (Regulation (EC) No 593/2008, article 6).
Complaint first. Write to [email protected] with a description of the issue.
Mediation. A Consumer may refer an unresolved dispute, free of charge, to our consumer mediator CM2C, Centre de la Médiation de la Consommation de Conciliateurs de Justice, 49 rue de Ponthieu, 75008 Paris, France ([email protected], +33 1 89 47 00 14), https://www.cm2c.net, within one year of the written complaint (articles L611-1 and following of the French Consumer Code). The EU online dispute resolution platform closed on 20 July 2025 (Regulation (EU) 2024/3228); for a cross-border dispute in the EU, contact the European Consumer Centre France, https://www.europe-consommateurs.eu.
Courts. Failing an amicable settlement, the courts of Annecy, France, have jurisdiction. This does not apply to a Consumer, who may sue before the courts designated by article R631-3 of the French Consumer Code and articles 17 to 19 of Regulation (EU) No 1215/2012, and may only be sued in their country of residence.
Consumer protection authority. In France: the DGCCRF (Direction générale de la concurrence, de la consommation et de la répression des fraudes), https://signal.conso.gouv.fr.