This is a translation provided for convenience. In case of any discrepancy, the French version prevails.

General Terms of Use

Version of 5 October 2026 — the French version is authoritative (replaces the version of 4 October 2026)

Non-substantial update of 12 November 2026: article 15, consumer redress (the European online dispute resolution platform closed on 20 July 2025).

These general terms of use (the “Terms”, in French CGU) govern access to and use of the Idonis service, published by Vanbe SRL (CBE 0561.776.191), Rue de Landelies 106, 6110 Montigny-le-Tilleul, Belgium (“Vanbe”, “we”). Creating an account requires the express acceptance of the Terms (tick box at sign-up; version and date of acceptance kept). By using the service, you confirm that you have read and accept them and that you use the tool in full knowledge of its limits (Art. 3, 4 and 12).

1. Purpose of the service

Idonis aggregates, normalises and formats public data on Belgian businesses (identity, directors, annual accounts, deeds) and offers financial indicators, an indicative strength score and a conversational assistant powered by artificial intelligence. The service is intended for professional use (analysis, prospecting, credit/risk, M&A, due diligence).

2. Access and account

• Full access requires the creation of an account (valid e-mail address). You are responsible for the confidentiality of your credentials and for the activities carried out through your account.
• A limited demonstration is accessible without an account, on a selection of companies.
• You warrant that the information provided at sign-up is accurate.
• Personal account. An account is nominative and strictly personal: it may not be shared, lent, assigned or resold, and a set of credentials may not be used simultaneously by several persons. An organisation wishing to have several users subscribes to as many accounts.
• Users of an organisation. In the Enterprise plan, each user is a natural person who is a member of the client organisation's staff (employee, director or assigned collaborator), identified by an individual e-mail address; a generic address (e.g. info@, contact@) may not hold a user account. Related companies (subsidiaries, parent company, sister companies) are not covered by the organisation's subscription, unless Vanbe agrees in writing. Vanbe may deactivate a user account that does not comply with these rules, after informing the administrator of the organisation.
• Account e-mail address = official channel. Any notification provided for herein (change to a plan, amendment of the Terms, suspension, invoicing) is validly sent to the account's e-mail address. You keep it valid and check it; a notification is deemed received on the day it is sent.

3. Nature of the information — essential warnings

4. Artificial intelligence assistant

The conversational assistant relies on artificial intelligence models. In accordance with Regulation (EU) 2024/1689 (the “AI Act”), we inform you that you are interacting with an AI system.

• Scope. The assistant answers only questions relating to the finances and corporate life of Belgian companies and to the use of the service. Out-of-scope requests (programming, unrelated content, personal advice), attempts to obtain its internal instructions and abusive requests (see Art. 6) are refused; a refusal does not consume credits.
• Moderation. Each message is subjected, before processing, to an automated analysis (security and topic classification by models hosted in the European Union). The verdict is logged with the conversation in order to measure and correct classification errors. An unjustified refusal may be reported to support.
• Answers. The assistant cites its sources and flags estimates; it may nevertheless be wrong, omit or misinterpret. Its answers are neither certified, nor reviewed by a human, nor binding on Vanbe.
• Retention. Conversations are kept in your space (they can be deleted at any time) and may be consulted by Vanbe for security, support and service improvement purposes, under the conditions of the Privacy Policy.

5. What Idonis is not — regulated titles and professions

6. Permitted and prohibited use

• You undertake to use the service lawfully and fairly.
• Prohibited uses towards persons and businesses: using the service or the assistant to exert pressure on, intimidate, harass, threaten or disparage a business, a director or a shareholder; obtaining arguments for extortion or blackmail; drafting or having drafted threatening letters; disseminating assertions of insolvency, bankruptcy or fraud not based on an official publication; profiling, rating or discriminating against natural persons; circumventing a prohibition or a disqualification (e.g. from carrying on an activity or holding a directorship).
• Prohibited uses towards the service: attempting to obtain the instructions, configuration, models or internal economics of the assistant; circumventing its refusals or limits; accessing the data of another user; impersonating an identity or a role (administrator); automating conversations outside the API provided.
• Any breach may lead to the suspension or closure of the account, without refund of the credits consumed, without prejudice to the remedies of Vanbe or of the third parties concerned.
• The following are prohibited: massive automated extraction (scraping, crawling, harvesting) outside the interfaces provided, the unauthorised resale or redistribution of the data, the circumvention of technical limits or access restrictions, as well as the use of the service or its data to train, fine-tune, test or validate an artificial intelligence model of any kind, or to persistently feed an artificial intelligence system, a conversational agent or a search engine (building a corpus, an index or a vector database, retrieval-augmented generation known as “RAG”). Only real-time querying of the service by an assistant or an agent used internally, via the official API or MCP server (Art. 7 ter), for the needs of your own users, is permitted.
• Exports and downloaded files. Exported data (files, API, copies) remain subject to these Terms: use internal to your organisation, no redistribution, no building of a competing database. You delete the exports when your account is closed.
• Fixed-sum compensation (professionals). In the event of massive extraction, resale, redistribution, sharing of an account or an access, or use of data for artificial intelligence purposes contrary to this article, Vanbe may, in addition to suspending or closing the account, claim from the professional user a fixed-sum compensation (indemnité forfaitaire) equal to ten times the amounts paid by the user during the previous twelve months, with a minimum of €5,000 excl. VAT, without prejudice to any greater damage that Vanbe may prove.
• Company contact details. Where the service displays contact details of a company (website, role address, general number) extracted from its publications, it reproduces them as published, without any warranty of accuracy or timeliness. If you use them for a commercial communication, you are solely responsible for compliance with the applicable rules (Code of Economic Law, Books VI and XII; the “Do Not Call Me” list (Ne m'appelez plus); prior consent for unsolicited e-mail).
• Personal data: if you re-use data relating to persons (directors, shareholders), you become the controller of that data and must comply with the GDPR (specified purpose, legal basis, information of the persons). Discriminatory purposes or non-compliant profiling are in particular prohibited.

7. Subscriptions, credits and payment

• The service offers a free plan (“Free”) and paid plans (“Pro”, “Enterprise”), as well as credit packs for the AI assistant. The Enterprise plan is invoiced per user, with a minimum number of users, a single invoice and a shared pool of credits among the users of the organisation; programmatic access (API, webhooks, integrations) is offered as a separate paid option, not included in the price per user. The features and prices in force are shown on the Subscription page.
• Pro plan trial. A Free account may open, on its own initiative alone, a free trial of the Pro plan features for 14 days. The trial is free, without a bank card, without commitment and limited to one trial per account. It does not turn into a subscription: at the end of the period, it ends of its own accord, no payment is due or collected and the account reverts to the free plan. During the trial, the monthly credit allowance remains that of the free plan, plus a trial reserve of credits offered once only: this reserve expires with the trial and is distinct from the additional credits purchased, which do not expire. At the end of the trial, no data are deleted: the lists, alerts and histories created during the trial are kept; only the features reserved for paid plans cease to be accessible (in particular, e-mail alerts are suspended). Vanbe may cap the number of exports that can be made during the trial and refuse a new trial to an account that has already had one.
• Learning from conversations (free plan and trial period). Idonis improves through use: the conversations of free plan accounts, including during the trial period, may be reviewed by Vanbe in order to correct and improve the answers (accuracy of figures, choice of sources, detection of errors) — this is what makes the answers of the free plan more accurate over time. They are never published, never passed on to a third party and never used to train, fine-tune or validate an artificial intelligence model; you may object to this at any time (dpo@idonis.ai), without losing access to the service or to the trial. The conversations of paid Pro and Enterprise accounts are never used for this purpose. Details are set out in the Privacy Policy.
• AI assistant credits — two kinds. Each plan includes a monthly allowance of credits (the number depends on the plan): it is topped up at the start of each monthly period and cannot be carried over — monthly credits not used by the end of the period are lost. You may also purchase additional credits (one-off top-ups): these do not expire and are carried over from one period to the next. When the assistant is used, monthly credits are consumed first, then, once exhausted, the additional credits. A credit corresponds to a unit of consumption indexed to the actual cost of the AI model; the balance and consumption history are visible in your space. Termination or expiry of the plan ends the monthly allowance; additional credits already purchased remain usable as long as the account is active.
• Payment in advance. Any paid plan and any top-up is paid in advance, at the time of subscription or renewal; no paid access is opened and no credit is issued before payment has actually been received (rules specific to the Enterprise plan paid by invoice: Art. 7 bis). Card payments are processed by our provider Stripe. Vanbe does not store any bank card data. Prices are exclusive of VAT unless otherwise stated; the applicable VAT is calculated at the time of payment (Stripe Tax). A refused, cancelled or disputed payment results in the immediate suspension of the plan concerned (see Art. 10).
• Free plan and direct marketing. The Free plan — trial period included — is offered without financial consideration. Vanbe may contact registered users, using the contact details they have provided and including by telephone, to present its own offers and gather their feedback on use, on the basis of its legitimate interest in developing its relationship with its users (see the Privacy Policy). You may object to this at any time, without giving reasons and free of charge, from your space or by simple e-mail to contact@idonis.ai; the objection is taken into account without delay and does not affect your access to the service.
• The Pro subscription is renewable by period; it may be terminated at any time from the customer space, termination taking effect at the end of the current period (no pro rata refund unless mandatory law provides otherwise).
• Consumers — right of withdrawal: if you are a consumer, you have a period of 14 days in which to withdraw. By requesting immediate access to the digital service, you agree that its performance begins before the end of that period and acknowledge that you lose your right of withdrawal once the service has been fully performed (credits consumed).

7 bis. Enterprise plan — term, invoicing and audit

• Term. The Enterprise subscription is taken out for a monthly or annual period (annual by default), with a single renewal date for the whole organisation. It is tacitly renewed for a period of the same length, unless terminated by the administrator of the organisation from the console or by e-mail to contact@idonis.ai before the renewal date; termination takes effect at the end of the current period. A minimum number of users applies (see the Subscription page).
• Users during the period. The addition of a user is invoiced pro rata to the remaining period. The removal of a user gives rise to a pro rata credit note; credits already paid into the shared pool are not taken back.
• Invoice and bank transfer. The organisation may pay by card or on invoice, by bank transfer. An invoice is payable on its due date, and at the latest thirty days after it is issued; access under a new subscription is opened upon receipt of payment. Consumption beyond the pool of credits, where it is enabled by the administrator, is invoiced in arrears, each month.
• Late payment. Any sum unpaid on the due date bears, automatically and without formal notice, late-payment interest at the rate provided for by the loi du 2 août 2002 concernant la lutte contre le retard de paiement dans les transactions commerciales (Act of 2 August 2002 on combating late payment in commercial transactions), as well as a fixed recovery compensation of €40, without prejudice to higher justified recovery costs. After a reminder has remained without effect for fifteen days, Vanbe may suspend the organisation's access until payment in full, without the suspension terminating the contract or the sums due.
• Disputing an invoice. An invoice is deemed accepted if it is not disputed in writing, with reasons, within fifteen days of its issue.
• Indexation. The price per user of an annual subscription may be indexed once a year, on renewal, according to the formula: new price = base price × (0.2 + 0.8 × S / S₀), where S is the latest Agoria Digital reference salary index published before the renewal and S₀ the one published before the subscription. Any other price change falls under Art. 8.
• Audit of use. Vanbe may check, no more than once a year and subject to fourteen days' notice (unless there is serious evidence of a breach), that the organisation's use of the service, exports and API complies with Art. 2, 6 and 7 ter. The organisation provides the explanations and supporting documents reasonably requested. The information obtained remains confidential and is used solely for this audit. The audit is at Vanbe's expense, unless a breach is found.

7 ter. Programmatic access — API and MCP server

• Paid option. The API, webhooks and the MCP server are options of the Enterprise plan, subscribed separately; their volumes and technical limits (quotas, throughput) are stated at the time of subscription and in the technical documentation. Vanbe may limit or refuse calls that exceed these limits.
• Access keys. Access keys and tokens are confidential, specific to the organisation and may not be disclosed to a third party. The organisation is answerable for all calls made with its keys and informs Vanbe without delay of any compromise; Vanbe may revoke a key that is compromised or used in breach of these Terms.
• Internal use. Data obtained through the API or the MCP server are for the organisation's internal needs only. They may not be resold, redistributed, or incorporated into a product or a service offered to third parties, without Vanbe's prior written consent. Caching is permitted only for the time needed for the processing in progress; building a persistent copy, index or corpus is prohibited (Art. 6).
• AI assistants and agents. The MCP server allows an AI assistant or agent used by the organisation to query the service in real time. The organisation remains responsible for that assistant, its provider and the data it passes to it; the answers of the service remain subject to Art. 3 to 6 and 12.
• Changes. Vanbe may change the API and the MCP server. As far as possible, an incompatible change is announced to the administrator of the organisation with reasonable notice; failing agreement, the organisation may terminate the option concerned before the change takes effect.
• End of the option. At the end of the option or of the contract, the organisation stops all calls and deletes the data obtained through this channel, unless there is a legal obligation to retain them.

8. Changes to offers and products

• What has been bought is acquired. An executed order (credit top-up, paid subscription period) remains governed by the composition, price and conditions in force at the time of its payment. Vanbe never retroactively changes what you have already paid for.
• Offers change. Idonis is a service under continuous development. Vanbe may at any time change the composition of its offers and products (features included, quotas, credit allowance, sources and indicators available, AI models used, technical limits), their price or their name, for reasons relating in particular to technical, regulatory or public-source developments, to the cost of providers (AI inference, hosting) or to the direction of the product. Vanbe may also withdraw an offer or a feature.
• Recurring subscriptions. For an offer with recurring payment (e.g. monthly Pro), any change of composition or price is notified to you by e-mail at the account address, before the renewal from which it applies. This e-mail notification constitutes sufficient information. The current period, already paid for, is performed as subscribed; the change takes effect at the following renewal. If you do not accept it, you terminate your subscription from your space before that renewal, without charges or penalty; failing that, the renewal constitutes acceptance of the modified offer. No compensation is due as a result of a change to an offer notified in this way.
• Launch price. By way of exception to the previous paragraph, the price of a Pro subscription taken out at the launch price (€49 excl. VAT per month or €490 excl. VAT per year, depending on the billing cycle chosen) is not increased as long as that subscription remains active without interruption. This guarantee covers the price; the composition of the offer remains governed by the previous paragraph. It ends if the subscription is terminated, if it reverts to Free (for example following a refused payment) or if you switch to another offer.
• Free plan. The free plan may be modified, restricted or discontinued at any time, without notice or compensation.
• Additional credits. The number of credits of a paid top-up is acquired; however, the consumption per question (indexed to the actual cost of the AI model, Art. 7) may change with the models used. The scale in force can be consulted in your space.

9. Availability, performance and maintenance

• No guarantee of availability. The service is provided without any guarantee of availability, continuity or absence of interruption. Vanbe uses reasonable means to keep it accessible, but makes no service level commitment (SLA), except where an SLA has been expressly agreed in a separate written contract; in that case only, the levels, measurements and remedies provided for by that contract apply.
• No guarantee of performance. The same applies to response times, throughput, the depth or freshness of the data, the number of results and the behaviour of the AI assistant: these characteristics vary according to load, public sources, third-party providers and the models used, and are guaranteed only by a written contractual SLA.
• Maintenance and incidents. Vanbe may suspend or limit the service, at any time and without notice if necessary, for maintenance, updates, security, an incident or the failure of a third party (hosting provider, inference provider, public sources). As far as possible, scheduled maintenance is announced in the application. Unavailability gives no right to a refund or compensation, except under a contractual SLA.
• Security of your device. Vanbe implements reasonable measures against malicious software but does not guarantee that the service, exported files or linked third-party sites are free of it; you protect your own equipment.

10. Fraud, disputed payments and account security

11. Intellectual property

Public data remain the property of their sources. The interface, the processing, the calculated indicators, the Idonis Score, the editorial content and the visual identity are protected for the benefit of Vanbe SRL. No licence is granted beyond the normal use of the service.

12. Liability — release in full knowledge of the limits

The service is an information and analysis tool. By using it, you acknowledge that you are aware of its limits (Art. 3 to 5) and bear sole responsibility for the decisions you take, as well as for the use you make of the information obtained, including with regard to the businesses and persons concerned.

To the extent permitted by Belgian law, Vanbe cannot be held liable for: indirect damage (loss of turnover, customers or opportunity, damage to reputation); the decisions taken or not taken on the basis of the information, indicators, estimates or answers of the assistant; errors, delays or gaps in public sources; a refusal or an answer of the assistant; the use of the data by the user in breach of Art. 6 or of the GDPR, for which the user is solely answerable and in respect of which the user indemnifies Vanbe against any third-party claim; unavailability, degraded performance or a change to an offer (Art. 8 and 9). The service is provided without any guarantee of continuous availability or freedom from error.

Nothing herein excludes liability for wilful misconduct (dol), gross negligence (faute lourde), personal injury, or any liability that cannot lawfully be excluded (in particular towards consumers). Towards professionals, Vanbe's liability, if established, is limited to the amounts paid by the user during the twelve months preceding the event giving rise to the claim.

The price is not insurance. The price of the service is set according to its nature as an information tool and includes no guarantee of solvency or any cover for the risks that the user takes with regard to the businesses consulted.

Time limit for claims (professionals). Any claim relating to an error of the service must be reported to Vanbe without delay after its discovery. Any liability action against Vanbe must be brought within one year of becoming aware of the fact on which it is based.

Reporting. A business or a person who considers that information concerning them is inaccurate or out of date may report it (see the legal notice); Vanbe checks against the source and corrects or supplements it as soon as possible. The rights of access, rectification and objection are described in the Privacy Policy.

13. Your data and their retention

• As long as the account exists, your data remain. The data of your account (profile, preferences, conversations, lists, alerts, consumption history) are kept for the entire lifetime of the account, including during periods of inactivity or without a paid subscription.
• Deletion of the account. You may delete your account at any time from your space or by e-mail to dpo@idonis.ai. Vanbe undertakes that the data linked to the account are removed from active systems without undue delay and physically erased, backups included, within twelve months at the latest following deletion.
• Legal exception. Invoicing data and accounting records (invoices, payments, identity of the invoiced customer) are kept for the statutory accounting and tax retention period in Belgium, then destroyed. The elements necessary to handle a dispute or fraud (Art. 10) are kept until it has been concluded.
• Details of the processing, the legal bases and your rights are set out in the Privacy Policy.

14. General provisions

• Force majeure. Vanbe is not liable for a failure caused by an event beyond its reasonable control (failure of a hosting provider or a supplier, unavailability of a public source, cyberattack, network or power failure, decision of an authority, strike, disaster). The obligations affected are suspended for the duration of the event.
• Severability. If a clause herein is held to be null and void or unenforceable, it is deemed not written or replaced by a valid clause of equivalent effect; the other clauses remain in force.
• Assignment. Vanbe may assign the contract to a company that takes over the operation of the service, subject to the continuity of your rights; you may not assign your account (Art. 2 and 10).
• No waiver. Vanbe's failure to rely on a clause does not constitute a waiver of that clause.
• Entire agreement. These Terms, the Privacy Policy, the Sources page and, where applicable, a separate written contract (SLA, purchase order or special conditions of the Enterprise plan) constitute the entire agreement; in the event of conflict, the separate written contract prevails.

15. Amendment, governing law and disputes

• Vanbe may amend the Terms; the applicable version is the one online on the date of use. A substantial amendment is notified to you by e-mail and presented at your next sign-in for acceptance; if you refuse it, you stop using the service and may terminate your subscription.
• These Terms are governed by Belgian law, excluding its conflict-of-laws rules. Failing amicable resolution, any dispute falls within the exclusive jurisdiction of the courts and tribunals of the judicial district of Hainaut, Charleroi division (Belgium), subject to the mandatory jurisdiction rules protecting consumers.
• Consumers: you may have recourse, free of charge, to the Consumer Mediation Service (Service de médiation pour le consommateur, Belgium, mediationconsommateur.be); for a cross-border dispute, to the European Consumer Centre Belgium (eccbe.eu).