Terms of service

Last updated: 26 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"). By using the Service you accept them. If you do not accept them, do not use the Service.

1. Definitions

• Verdict: the output of the Service for one project: a chance expressed as a number out of 100, a range, the cohort it comes from, and the conversation that follows it.
• Credit: a unit bought in advance that entitles you to one Verdict.
• Plan: a subscription giving access to Verdicts up to a daily cap.
• Account: the space opened with your email address when you first pay.
• 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

Stonetotem helps adults explore decisions across life, including health, money, relationships and work. It provides estimates and practical suggestions based on the available facts and statistical calculations. Its scope and limitations depend on the question and evidence available; not every feature in development is offered in this preview.

You interact with AI. Outputs may be wrong and are not a professional medical, financial, investment, tax or legal opinion, diagnosis or prescription. Consult a qualified professional for consequential decisions. Do not delay medical care, change treatment or risk money you cannot afford to lose based on an output. See the disclaimer and emergency contacts.

Numbers are uncertain estimates, not guarantees of personal outcomes. You choose what matters to you and what to do. This does not exclude our contractual duties or mandatory consumer rights.

3. Eligibility

You must be at least 18 years old to use the Service. The free Verdict, credits, plans and the Account are all reserved to adults, because using them involves entering into a contract and, except for the free Verdict, paying. If you are under 18, do not use the Service; if we learn that an account belongs to a minor, we close it and refund what has not been used.

4. The free Verdict

During the beta, no free Verdict is offered: this section is suspended until we announce otherwise on this page. When it is offered again, each visitor will get one Verdict free of charge, without an Account, counted with a strictly necessary cookie (see the cookie policy); deliberately circumventing that count, for instance by scripting fresh browser sessions, is a breach of section 9.

5. Prices

All prices are in euros and are the total price you pay: they include all taxes and charges. VAT is not applicable, article 293 B of the French General Tax Code (micro-entreprise VAT franchise), so no VAT is charged and none can be reclaimed. If we lose the benefit of that franchise, we will tell you before the change applies. There are no additional delivery or handling fees, since the Service is delivered online. Your bank or card issuer may apply its own currency conversion or international fees, which we do not receive and do not control.

6. Credits

• You choose the amount you want to spend, with a minimum of 1 EUR.
• 1 EUR buys 2 Verdicts. The rate is the one displayed at the moment you pay.
• Credits are bought in a single, one-time payment. There is nothing to cancel and nothing renews.
• Credits never expire. They remain usable for as long as the Service exists. Section 15 says what happens to them if we stop the Service.
• Credits are personal and non-transferable. They cannot be sold, given, pooled, exchanged for money outside the refund cases in section 8, and they are not a payment instrument, electronic money or a voucher usable anywhere else.

7. Plans

Three plans give access to Verdicts up to a daily cap, counted per calendar day, Paris time:

• Light: 4.99 EUR every 28 days, or 49.00 EUR a year paid upfront. Up to 5 Verdicts a day.
• Standard: 9.99 EUR every 28 days, or 99.00 EUR a year paid upfront. Up to 30 Verdicts a day.
• Plus: 19.99 EUR every 28 days, or 199.00 EUR a year paid upfront. Up to 100 Verdicts a day.

Four-week billing is not monthly billing. There is one payment every 28 days. Thirteen periods cover 364 days, so calendar-year charge counts depend on the payment dates. Thirteen payments cost Light: 64.87 EUR; Standard: 129.87 EUR; Plus: 259.87 EUR. The annual option is paid once upfront.

Renewal. Plans renew automatically: every 4 weeks for the 4-week option, every 12 months for the annual option, at the price then in force, until you cancel. For the annual option we send you a reminder by email at least 30 days before each renewal, telling you the date and the amount.

Cancellation. You can request cancellation at any time without giving a reason via [email protected]. Any online subscription must also provide the legally required online cancellation facility before being offered. Cancelling stops the next charge; it does not interrupt the period you have already paid for, which runs to its end, and it does not by itself give a right to a refund of that period (see sections 8 and 15). Unused Verdicts inside a daily cap do not carry over to the next day, and unused days do not carry over to the next period.

Price changes. We may change prices. For an existing plan, we tell you by email at least 30 days before the change takes effect, and the new price applies only from the next period. If you do not accept it, cancel before that date and you will not be charged the new price. A change of price never applies retroactively, and never to credits already bought.

Fair use of the caps. The daily caps exist to keep the Service affordable. They are individual: an Account is used by one person. Sharing credentials, sharing an Account between several people or an organisation, or querying the Service automatically, is not covered by a plan.

8. Right of withdrawal and refunds

If you are a Consumer resident in the European Union, you have 14 days to withdraw from your 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). To withdraw, send an unambiguous statement to [email protected] or by post to 7 rue Marie-Thérèse Hermann, 74000; you may use the model withdrawal form annexed to article R221-1 of the Consumer Code, but you are not obliged to.

Starting immediately requires a separate express request. Accepting these terms alone does not waive withdrawal. For a service started at your express request, only the proportionate amount lawfully due for service actually supplied may be retained under article L221-25; where the required request or information is missing, no such amount is due. Any digital-content exception requires all applicable express consent, acknowledgement and durable-confirmation conditions; it is never presumed.

Unused credits are refundable at their purchase value on request, including after 14 days. A failed, empty or duplicate paid result is refunded in credits or money at your choice. For plans, cancellation stops future renewal; withdrawal rights and the legal conformity guarantee remain applicable.

Optional withdrawal form

To Mahé Chadeffaud, entrepreneur individuel, 7 rue Marie-Thérèse Hermann, 74000, [email protected]: I notify you that I withdraw from my contract for the following service. Please include the service or order reference, order date, your name and address, and the date of your notice. Sign only if sending on paper.

Refunds are made using the same means of payment as the purchase, within 14 days of our receiving your request, at no cost to you.

9. Acceptable use

You agree not to: query the Service automatically, scrape it, or use it beyond a normal human pace; resell, sublicense or expose the Service or its outputs as a service of your own; attempt to extract, reconstruct or reverse-engineer our models, our data, our prompts or our parameters, including by systematic querying; circumvent the free-Verdict count, the daily caps, the payment or the Account; submit content that is illegal, defamatory, or that concerns an identified third party without a legitimate reason; submit data about another person that could reveal their health, origins, opinions or sexual life; use the Service, without a separate written agreement with us, to profile, screen or make decisions about other people, in particular in employment, credit, insurance, housing, education or access to public services (organisational and public-sector uses are offered only under such an agreement, which sets the safeguards the law requires); use the Service for any practice prohibited by Article 5 of the EU AI Act (Regulation (EU) 2024/1689); or interfere with the security or the availability of the Service.

You keep the responsibility for what you type. Do not type anything you are not allowed to disclose.

10. Intellectual property

The Service, its interface, its texts, its databases, its cohorts, its models and its source code are protected and remain ours or our licensors. Nothing here transfers any right in them. You get a personal, non-exclusive, non-transferable, revocable licence to use the Service under these terms.

The text you type remains yours. Optional learning follows your separate consent described in the privacy policy. You grant us the licence needed to run the Service on it: to process it, to compute a Verdict, and to keep it for the period stated in the privacy policy. You may use the Verdicts you obtain freely, including publicly and commercially, provided you do not present them as a certainty, as qualified professional advice, or as an assessment made about someone else, and provided you say that they come from stonetotem when you publish them.

11. Conformity of the digital content

We owe you a Service that conforms to the contract and to what you can legitimately expect, under Directive (EU) 2019/770 and articles L224-25-1 and following of the French Consumer Code. That means the Service must have the qualities, functionality, compatibility, accessibility, continuity and security that are usual for this kind of service, and it must keep them for the whole time it is supplied, updates included. If it does not, you may require it to be brought into conformity within a reasonable time and without significant inconvenience; if that fails, or is impossible, or if the defect is serious, you may obtain a price reduction or the termination of the contract and a refund. This legal guarantee is free, it lasts two years for a one-off supply and for the whole supply period for a plan, and nothing in these terms limits it. During the first year, a defect that appears is presumed to have existed from the start, and we bear the burden of proving otherwise. You also keep the legal guarantee against hidden defects (articles 1641 and following of the Civil Code).

We provide the updates, including security updates, needed to keep the Service in conformity, and we tell you about them.

12. Availability, maintenance and the limits of the estimate

We aim to keep the Service available at all times but we do not promise uninterrupted availability. We may interrupt it for maintenance, and we announce planned interruptions on the status page at least 48 hours ahead when we can.

The Verdict is computed from historical cohorts. Those cohorts are incomplete, they end on a given date, they may not contain cases exactly like yours, and the past does not have to repeat. Incomplete data can make an estimate unreliable. The conversation around the Verdict is produced by a language model and may contain errors; the numbers and explanations both need to be checked against their evidence.

13. Liability

We are liable to you for the proper performance of this contract, under the conditions of the law, in particular article L221-15 of the French Consumer Code.

Nothing in these terms excludes or limits our liability for death or personal injury, for fraud, for gross negligence (faute lourde) or wilful misconduct (faute dolosive), for a breach of an essential obligation of the contract, for the legal guarantees of conformity and against hidden defects, for damage caused by a defective product, or for anything else that the law does not allow to be excluded. Any clause purporting to do so would be void, and its nullity would not affect the rest of these terms.

The uncertainty of an estimate does not remove liability for a failure to meet our obligations. Any force majeure defence applies only where the legal conditions are met; a provider outage alone does not automatically meet them.

14. Suspension and termination

You may stop using the Service at any time, cancel a plan through the cancellation facility or by contacting us, and ask us to delete your Account at [email protected].

We may suspend or close an Account that breaches section 9, that is used fraudulently, or that puts the security of the Service at risk. Except where the breach is serious or where the law forbids it, we warn you first and give you a chance to put things right. If we close an Account for a reason that is not your fault, we refund unused credits and the unused part of a plan. If we close it for a serious breach on your part, we refund unused credits only, and we may refuse to serve you again.

15. Changes to the Service and to these terms

We may change these terms, in particular to follow a change in the law or in the Service. We tell existing customers by email at least 30 days before a change that affects your rights or your obligations, and the new version applies to you from the date it takes effect. If you do not accept it, you may stop using the Service and cancel; we refund the unused part of a plan and your unused credits.

If we ever stop the Service, we announce it at least 30 days in advance, we let you export what is yours, and we refund every unused credit and the unused part of every plan.

16. Language

These terms are written in English. Contact [email protected] for assistance in French. This page is the English version; mandatory language and consumer-information requirements remain applicable before sale in France.

17. Applicable law, complaints, mediation and courts

These terms are governed by French law. If you are a Consumer resident in another country, that choice cannot deprive you of the protection of the mandatory rules of the law of your country of residence (Regulation (EC) No 593/2008, article 6).

Complaint first. Please write to [email protected] before anything else; include the order reference and a description of the issue.

Mediation. If our answer does not satisfy you, you may refer the dispute, free of charge for you, 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 your written complaint (articles L611-1 and following and R612-1 of the French Consumer Code). Mediation is optional and you may leave it at any time.

Online dispute resolution. The European Commission online dispute resolution platform that used to be reachable at https://ec.europa.eu/consumers/odr was closed on 20 July 2025 by Regulation (EU) 2024/3228, which repealed Regulation (EU) No 524/2013, and it no longer accepts complaints. There is therefore no ODR link to give in 2026. For a cross-border dispute inside the European Union, contact the European Consumer Centre France, https://www.europe-consommateurs.eu, which is free.

Courts. Failing an amicable settlement, the courts of Annecy, France, have jurisdiction. If you are a Consumer, this does not apply to you: you may bring proceedings before the court of the place where you lived when the contract was concluded, the place where the harmful event occurred, or any court having jurisdiction under articles R631-3 of the French Consumer Code and 17 to 19 of Regulation (EU) No 1215/2012, and we may only sue you before the courts of your country of residence.

Consumer protection authority. In France, the competent authority is the DGCCRF (Direction générale de la concurrence, de la consommation et de la répression des fraudes). You can report a problem at https://signal.conso.gouv.fr.