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Terms of use

Last updated: 20 October 2026

1. Purpose and acceptance

These terms of use (the “Terms”) govern access to and use of the kipsum.fr website (the “Website”). The Website is published by Kipsum SAS, whose full details are given in the legal notice.

By browsing the Website, you accept these Terms. If you do not accept them, please do not use the Website.

2. Access to the Website

The Website is available free of charge to any user with Internet access. Connection and equipment costs remain the user’s responsibility.

Kipsum endeavours to keep the Website available at all times but is under no obligation to do so. Access may be suspended, in particular for maintenance, updates or in the event of force majeure, without Kipsum incurring any liability.

3. Intellectual property

The text, illustrations, logos, software, databases and layout of the Website are protected by intellectual property law. They belong to Kipsum or to third parties who have authorised their use.

You may browse the Website and print or download its content for your personal or internal use, without modifying it. Unless Kipsum has given prior written consent, you may not:

  • reproduce, republish or distribute all or part of the Website’s content;
  • sell, rent or sub-license this content;
  • use the trademarks and logos of Kipsum, or those of its partners and clients shown on the Website.

4. Use of the Website

You agree to use the Website fairly and lawfully. In particular, you may not:

  • interfere with its operation or security, or attempt to access its non-public areas;
  • extract its content by automated means (bots, scrapers or harvesting tools), other than indexing by search engines;
  • send unsolicited, fraudulent or unlawful messages through the contact form, or information about third parties without their consent.

5. Information and tools provided

Information published on the Website is provided for guidance only and may change. It does not constitute a contractual offer or advice tailored to a specific situation.

The savings estimator and the BACS decree eligibility test provide general estimates based solely on the information entered. They do not replace an audit and are not binding on Kipsum. Only a written proposal signed by Kipsum has contractual value.

6. Hyperlinks

You may link to the home page or any other page of the Website, provided the link is not misleading, does not imply a partnership with or endorsement by Kipsum, and does not appear on a website with unlawful content. Displaying the Website’s pages within another website (frames or iframes) is prohibited without written consent. Kipsum may ask for a link to be removed at any time.

The Website contains links to third-party websites (media, partners). Kipsum has no control over these websites and is not responsible for their content or practices.

7. Liability

Kipsum endeavours to publish accurate and up-to-date information but cannot guarantee that it is complete or error-free. To the extent permitted by law, Kipsum shall not be liable for indirect damage resulting from the use of, or inability to access, the Website, nor for damage caused by a virus or an intrusion despite the security measures in place. Nothing in these Terms limits any liability that cannot be limited by law.

8. Personal data and cookies

The handling of data submitted through the contact form and the use of cookies are described in our privacy policy.

9. Changes to these Terms

Kipsum may amend these Terms at any time, in particular to reflect changes to the Website or to regulations. The applicable version is the one published on the Website at the time of your visit; its last-updated date appears at the top of the page.

10. Governing law and disputes

These Terms are governed by French law. In the event of a dispute, the parties will first seek an amicable settlement. Failing that, and unless mandatory legal provisions provide otherwise, the courts within the jurisdiction of the Versailles Court of Appeal shall have jurisdiction.

11. Contact

For any question about these Terms: web@kipsum.fr.